Hampton Roads Finance Corp

01/09/09

Better than BHPH - Last resort financine

by mylar at Citysearch

Monthly payment not weekly. Reasonable as long as you want to make it work. good program to fix your credit and buy a car

• Pros: finance even after a=bankrupcy
• Cons: call you even if 2 days late

10/29/09

GREAT RESOURSE TO FIX THE PAST

by torrijean at Citysearch

I just got off the phone the lady manager. And what i had been dreading didn't come true. I lost my joband havnt kept up the car paments. i sent in what i could when i could and everytime i did i got calls saying it was never enough.

because it wasnot a whole payment.

i stopped answering cause i still aint got the monies.

well after tonight i am glad i talk to the manger. she called my gramma to get me on the phone, which made me mad but i see now she couldnt help cause i wasnt calling back. she gave me 2 referments for the pass due months so i could catch up.

I thought she would be all up in my face and busness and repo the car or threaten me the way others do but didnt. i explained she listened.

what she says sounds true and she is pushy but she cleard up my questions was not rude or mean even when she told me what she couldnt do or what could happen if i didnt do nothing.

SO........... TRUE DAT they really try to help if you let them.

• Pros: 2nd chance loans
• Cons: high interst

09/26/09

SERVICE AND OPTIONS ++/ Interest Rates ---

by timmbu at Citysearch

Getting the loan easy. Making the payments on time not so much. What system overload, payment by the due date or it is considered late. What is th grace period for?

LIKE IT OR NOT- they are right. They didn't FIX MY CREDIT, I DID. (They just made me participate)

I had credit cards, student loans, medical bills plus colections and judgments. I paid (most of the time) but on MY schedule not neccessarily the companys. Every company put that on the credit report. Not one, not a single one of the credit comapnies ever took time to say "you can pay late if you want to we'll make more money off you!" Hampton Roads Finance did. They said right up front in the paperwork that they were giving the loan not beacuse I was a good creidt risk but in spite of the fact that I was not. The paper with the contract said right on it "we care how you pay and expect you to pay on time or call Before you are late" When you talk to the people at their office they say the same thing and I respect that. I have been late and benn on the "dark side" , I guess hearing the "lecture" all those time must have sunk in because calling in before hand if I have a problem DID MAKE A DIFF I learned - these people are for real, and want to be on my team. Paying on time meant making ME wait (not the bills) when I was out of money NOT spending my bill money on date night or whatever.

I want to buy a house some day and that means "bad credit/bad house or no house" OR "good credit/nice house" SO I read the others saying the loan company is mean or heartless. They havent been so far to me. But I have $12000 of their money. I am paying it back - I'm not the guy whining about why they owe me 16 options to pay them back, or the lady whos mad because she couldnt skip her car payment to buy xmas presents or the other crazys who don't knnow the diff between the car lot and the bank. "sales people nice!!!/loan people mean!!!" give me a break. The salesman would kiss your dogs butt if it meant selling the car! The loan company never even met me and paid down $12k. What's mean about that?

• Pros: Help when you need or ask for it
• Cons: High rates

09/24/09

These people are very non-professional

by Registered Member at Citysearch

These people are the most unprofessional and non courteous people I've ever come across in my entire life. They lie just to prove a point, and hate to be proven wrong. They will hold an constant vendetta against you if you do so. They speak to you as if you are a child and obviously have not come across the right person. If they continue in the manner in which they're heading, they will have some serious lawsuits on their hands. That's a promise.

• Pros: Pros?
• Cons: Do you have a year or two?

09/17/09

GREAT HELP!! Don't give up!

by semper fi at Citysearch

I agree completely with "momluvbrian" there are 5 or 6 workers and the manager Ms Cando. If you can get past the "account collectors" that work for her and get right to Ms.Cando you will get respect, courtesy, fairness and most importantly RESULTS. The assistant managers Pat and LaVern are "chips off the Cando block" also.

Skip the "B team" - AMANDA = whiney, small minded, rude. LORI = Loud, rude, smart mouth, rude, MEAN (did forget rude?) WILLIAM = weasel, nasty, likes to be mean, rude.

If they call and are not nice ask to talk to the manager Karen Cando. Or call her receptionist 431-9942.

She is honest and will work with you in person or on the phone - IF YOU work with her. I started off yelling @#$%$# at her because of Lori. Ended up calling her back - twice to tell her I was sorry for ME BEING RUDE. She didnt take it easy on me, I had to explain all of what was going on. When she was done I knew exactly what was expected, what the "rules" were and several options (none of the options included the "R" word).

I totally pegged Karen wrong in the beginning. When I was yelling and swearing she wouldnt have any of it and told me so. What she said made sense and definately WORKED OUT FOR ME! I signed up for the NEW FLEXIBLE PAY auto payment she started in 2009 and it has been great! No more calls because I am late. My landlord told me I should either marry her or have her adopt me, LOL. Because of her my rent is straight too!

Thank you HRFC for the chance, Bless you Karen Cando for the help.

• Pros: Know their stuff
• Cons: Not every account rep is good

08/26/09

OMG!!!!! The $UCK AT PICKING UP THE PHONE!!

by iLoveit757 at Citysearch

Why dont they ever pick up the phone?? I have been calling got 3 hours trying to pay my car paymant. the last time I called they told me that they didnt take CC payments anymore and that I had to use a check....So I went and seeked high and low for a check...(really who has checks??) so I couldnt find one, so I call back 50 times and no one picks up.......call back and hour later still no one. Then I call back again and the attandant transfers me to the acct mngr and I get her voicemail... By this time Im like WTF!!! OMG where are you guys?? So I call back still know one is home....then finally I get someone....I tell her I cant find my checks but here is my acct number and R#, and a check number....she is like NO, I need and real check. it has to be right in fromt of you...So Im like what dfnc do it make I mean its not like im putting it in your hands. why cant I just give you the info...she just wouldnt take it. Now I have never been late, I pay on time every month, you dont take my normal payment witch is CC payments b/c you cant afford to pay the fee, so now you cant take my checking info....wow. You want me to money gram it.... I dont think so. I mean I gave up, I still havent paid it yet I m just going to have to waste my gas and drop it off at there office. (thats what she suggested Oh and FYI they don’t give you change so make sure you have the full amount!

• Pros: None
• Cons: Everything

08/24/09

don't give up

by momluvbrianreese at Citysearch

I ducked the phone calls from hrfc for months i just didnt have the money and i had made arrangements and just couldnt keep them so i was shame so i just sat and waited for them to come get my car.well i got a call from a mr. william masden his voice sounded like he would understand so i got up the nerve to call back when i spoke with him he made me sorry i had called he talked so nasty to me i was in tears and i wanted to hang up but something told me to hold on i dont know what made him do it but he put mrs. karen cando on the phone and she was like a angel she was so caring and understanding she was not nasty or tried to make you feel bad it was like she put herself in my place after talking to her i felt as though a weigh was lifted off of me she helped me keep my car she treated me like a human being unlike mr. masden who had no feelings. Even though its her job to help us im still trying to think of something to do for her to let her no how much she helped me. And to Mr. Masden you never no when you will be in a situation like your customers so you need to take lessons from mrs. cando and learn how to treat customers you are the reason people are scared to call but thanks to me having faith in the lord and staying on the phone he let mrs. cando come in

• Pros: It helps to have patience
• Cons: don't let a nasty respresentive discourage you

08/21/09

NO /) @ ^^ CLUE

by Nismo04Racer at Citysearch

Ok here it is. I just found out today on the phone that i could of been having a split payment, after paying a year and a half on my car. There has been so many times that would call and ask them if there are any other options for me to lower my payments and all the kept on saying was "NO". I talked to traci who was very kind and easy to talk to. The main reason I'm ANGRY is for them not notifying me either around when i was getting ready to start my payments or at least no more than a few months after. I will admit the people that i've dealt with and talked to were very nice and never yelled at me or anything of it. But, i'm still ANGRY and hoping that i can hopefully get some sort of my money credited back to me or towards another car payment. PLEASE COMMENT BACK AND TELL ME WHAT YOU THINK.

• Pros: VERY HELPFUL TO ME AND KIND BUT::::::
• Cons: NOT VERY UP FRONT WITH THEIR PAYMENT OPTIONS

08/21/09

NO /) @ ^^ CLUE

by Nismo04Racer at Citysearch

Ok here it is. I just found out today on the phone that i could of been having a split payment, after paying a year and a half on my car. There has been so many times that would call and ask them if there are any other options for me to lower my payments and all the kept on saying was "NO". I talked to traci who was very kind and easy to talk to. The main reason I'm ANGRY is for them not notifying me either around when i was getting ready to start my payments or at least no more than a few months after. I will admit the people that i've dealt with and talked to were very nice and never yelled at me or anything of it. But, i'm still ANGRY and hoping that i can hopefully get some sort of my money credited back to me or towards another car payment. PLEASE COMMENT BACK AND TELL ME WHAT YOU THINK.

• Pros: VERY HELPFUL TO ME AND KIND BUT::::::
• Cons: NOT VERY UP FRONT WITH THEIR PAYMENT OPTIONS

08/21/09

NO /) @ ^^ CLUE

by Nismo04Racer at Citysearch

Ok here it is. I just found out today on the phone that i could of been having a split payment, after paying a year and a half on my car. There has been so many times that would call and ask them if there are any other options for me to lower my payments and all the kept on saying was "NO". I talked to traci who was very kind and easy to talk to. The main reason I'm ANGRY is for them not notifying me either around when i was getting ready to start my payments or at least no more than a few months after. I will admit the people that i've dealt with and talked to were very nice and never yelled at me or anything of it. But, i'm still ANGRY and hoping that i can hopefully get some sort of my money credited back to me or towards another car payment. PLEASE COMMENT BACK AND TELL ME WHAT YOU THINK.

• Pros: VERY HELPFUL TO ME AND KIND BUT::::::
• Cons: NOT VERY UP FRONT WITH THEIR PAYMENT OPTIONS

08/21/09

NO /) @ ^^ CLUE

by Nismo04Racer at Citysearch

Ok here it is. I just found out today on the phone that i could of been having a split payment, after paying a year and a half on my car. There has been so many times that would call and ask them if there are any other options for me to lower my payments and all the kept on saying was "NO". I talked to traci who was very kind and easy to talk to. The main reason I'm ANGRY is for them not notifying me either around when i was getting ready to start my payments or at least no more than a few months after. I will admit the people that i've dealt with and talked to were very nice and never yelled at me or anything of it. But, i'm still ANGRY and hoping that i can hopefully get some sort of my money credited back to me or towards another car payment. PLEASE COMMENT BACK AND TELL ME WHAT YOU THINK.

• Pros: VERY HELPFUL TO ME AND KIND BUT::::::
• Cons: NOT VERY UP FRONT WITH THEIR PAYMENT OPTIONS