text:
About the Photo:
This picture was taken during my semester abroad in East Africa, mainly in Kenya and Tanzania. I spent a month, independent from the other students in my program, living with the Hadzabe, hunter-gatherers from northern Tanzania. There are only between 1,000-1,500 Hadzabe still living their traditional, semi-nomadic, hunting and gathering lifestyle, which has been their manner of existence for over ten thousand years. While with the Hadzabe I spent my days hunting with the men, who hunt, kill, and eat any of the indigenous wild game in the Yaeda Valley region, except for elephants and reptiles. The wild game we killed and ate include giraffe, vervet monkey, porcupine, striped hyena, squirrel, eland, dik-dik, bush-pig, impala, guinea fowl, bush-baby, baboon, and an assortment of birds. Our water was gathered from baobab trees, or from a small lake that had formed several kilometers from camp, as a result of the seasonal rains. We cooked our food over an open fire. While we hunted, the women gathered berries and tubers to supplement our communal diet. After hunting all morning, the remainder of the day is dedicated to the refinement of equipment, including making and sharpening the arrow supplies. Nails are melted and hammered with rocks to form new arrowheads. Every few days, in the search for fresh honey, the Hadzabe communicate with songbirds by whistling, which guides them to bees' nests burrowed in trees. During the evening we sat around campfires as I listened to my Hadza friends weave elaborate, exaggerated hunting tales; the Hadzabe are famous for having perfected the craft of storytelling. We slept in clusters around campfires, sleeping head-to-toe for body warmth. The Hadzabe speak Hadzane, their native language, comprised of clicking tones, and Swahili. They do not speak or understand English so we communicated through Kiswahili, which I had learned in class in Kenya, but significantly refined during my complete cultural immersion into Hadzabe society.
I have previously noticed the Worldview Photo Contest winners generally do not have themselves in the pictures, but I simply could not bring myself to select a different picture from my semester abroad. I took several thousand pictures during my five months in East Africa, including pictures from climbing the truly majestic Mt. Kiliminjaro, rafting the magical Nile River, experiences staying with the impressive Maasai, time spent in two different rural villages, and many more from a litany of other experiences. However, this picture is easily my most cherished photograph, as it captures the spirit of my journey with the Hadzabe. Although I was the only white, non-Hadzabe person I saw during my time spent in Yaeda Valley, the Hadza truly accepted me into their society, as a friend and brother. It was tremendously difficult to leave when it was time for my departure, although I know I will return there one day.
If nothing else, I want to say thank you to Hamilton College for having provided me with the irreplaceable and incomparable experience of living with, hunting with, cooking with, sharing stories with, and falling asleep looking at the stars with the Hadzabe, some of the most unique and inspiring people on the planet. Truly, immensely, thank you. — Michael Bethoney '11


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Home » Companies » Mortgage Companies
About Beneficial
From their website:
"For more than 85 years, we've been helping people find solutions to their financial needs. Our tradition of caring has made Beneficial the name people trust when they need help meeting financial goals and improving their finances along the way."
Beneficial's Parent Company is: HSBC
Blog Entries about Beneficial
- Forbearance with Beneficial
- Does Beneficial do Loan Modification?
- Loan Modification with Beneficial
- Forbearance with Beneficial
- Don't let Beneficial Foreclose on My Home
- this is MY home!
- We need a deed in lieu of forclosure with Beneficail to be approved
- Will my second Mortgage Foreclose?
- I can't afford my home, taxes or insurance... what now?
- Benificial may force me to lose my home to foreclosure
Sister Companies
Checked Better Business Bureau: Yes
Better Business Bureau Issues
From the BBB website (HSBC):
"The Bureau processed a total of 6179 complaints about this company in the last 36 months, our standard reporting period. Of the total of 6179 complaints closed in 36 months, 2299 were closed in the last year."
Beneficial's Contact Information
|Web Site:
|961 N Weigel Ave
Elmhurst IL 60126
Beneficial Success Stories from our clients:
We would like to demonstrate to you what we call success. When we save someone's home they are approved for a "Workout" with their Mortgage Company. The Mortgage Company will forward a contract for the client to sign going over the terms of the workout. This workout has many different options and terms. This is a small sample of some of the workouts we have negotiated for our clients and should give you an idea of what we can do for you. Please call us if you have any questions.
Files & Photos
|File Name
|Size (KB)
|Repayment Plan
Reader Comments & Ratings
Average Rating: (1.6/5)
by Anonymous From Bethlehem, PA on September 02, 2014
by Debra Mizgala From West Winfield, NY on February 25, 2014
They will not work with you and their accounting system is the lack of an accounting system. There numbers do not add up. Even after sending payments continously they state we are behind on our payments but can not tell me were my payments have been applied.
by Lisa Pardonnet From Idaho Falls, ID on January 23, 2014
by Becky From Villa Rica, GA on December 04, 2013
Just want to say to all of you who think its any better for those with Fannie Mae loans, its not. FM gives too much authority to the Servicer and their customer service is a joke. No one knows anything and their executive staff is in hiding or something. They don't respond for nothing. The company behind this book www.outskirtspress.com/shortsale advocated for me to save my house. Get the book and get help from The Advocate Group. Blessings.
by william dauito From Newfield, NJ on August 10, 2013
by Anonymous From Manheim, PA on July 18, 2013
by Anonymous From Oxford, WI on June 22, 2013
beneficial finance screwed my socks off and lied their ass off about my loan but uncle sam does not care about the little guy.
by Anonymous from Lithonia Georgia From Lithonia, GA on June 14, 2013
HSBC Beneficial is the worst company ever. I am stuck with a house note and another loan which I hate the day I ever got involved with them. They are very hard to deal with. Paid them on time for many years, in fact had my mortgage automatically deducted each month for years until running into financial hardship. Would only give me a 6 month modification. That's what I got for paying them on time for so many years. I am really stuck, because my home is underwater. The government needs to help the people whose homes are underwater even though they are not Fannie Mae or Freddie Mac mortgagees. We are suffering too. They always refer you to the Hud hotline # if you are haveing financial difficulties, this is a joke, take it from me. I am just praying that God will come thru for me in this situation, because no one else cares. If a class action suit is filed against this company, please let me know. HELP!
by Anonymous From Kearny, NJ on May 29, 2013
Horrible customer service. No loyalty to customers that have paid on time for 7 years. Will not work with you at all.
by JEFFREY VETTER From Berlin, WI on April 23, 2013
How long can this company go on ruining people's lives, then their affiliate HSBC admits to money laundering and funding Al-Qaeda. The gov.collects their fines no problem, but what about the gov. when its citizens are having problems-non existence is the word, and HUD who is the we are too call for help? That's even a bigger joke-I called xxxx-HOPE and after speaking to a so-called professional counselor and after speaking to her for 2 hrs. Explaining that I was permanently and totally 100% disabled from work injury, her finale suggestion was for me to get a job and this is what she suggested in writing to Beneficial to help me out. We all know what Beneficial will do now. Funny thing is that before Nov.6, 2012 it seemed like we some of the most important people on earth, but alas when Nov.7 dawned all we were good for was having our taxes raised and being good vigalent citizens once again. What a joke!!!!!!!!
by Denise Carpenter From Kahuku, HI on March 28, 2013
by Joel From Groveton, NH on March 23, 2013
My house burned on 1/3/2013. I sen the insurance check to Beneficial one week later to pay the mortgage off. I am due a refund of what ia left so that I can rebuild my home and life. I have been told 3 times that the check has been mailed and the next person I talk to says it hasn't been mailed. They are dragging their feet for 3 Months now and my refund is $124, 000 that they owe me back! They hang up on me or transfer me 3-4 times every call and it takes 2-4 hours each time. Its rare that I speak to anyone that I can understand!
by Becker From Tampa, FL on February 26, 2013
I have been waiting for reply since a letter dated December 28,2012 I received letter a letter that I would hear something by Jan 18,2013. ..here it is February 26 no reply. Have made many phone calls finally on February 19th I was email with 4 copies of extension letter that were sent to two different addresses. The customer service of this company is rated 0. They have double charged me interest when i went to payoff the loan . The loan stated in 2003 110,000.00 my payoff as on 11/01/2012 is 98,987.00 I have paid over 87,000.00 in the past 9 years. Where did my money go......Very upset with this company they need to be investigated
by b From Tampa, FL on February 26, 2013
by Anonymous From Desoto, TX on February 26, 2013
Much the same issues for me too. I started recording my conversations and get names of everyone there I talk to. Also had them lie to me with a housing coalition on the phone with me on setting up a payment.
by stephen Bullard From Pembroke, NC on January 20, 2013
I rate them -10
by Anonymous From Linn Creek, MO on January 03, 2013
There are thousands upon thousands of complaints against Beneficial. Why doesn't the U.S. Government investigate their unscrupulous practices and shut them down?
by kathy miller From Raven, VA on December 28, 2012
This is the worst loan company I have ever had to deal with because of them I lost my home they would not work with me in any possible way cause I could not work my income was decreased and they took advantage of that even after I had paid them ahead for 2 years they still foreclosed my home and they need to be stopped for their actions on people in hard times they have no feelings at all they only want the money in their pockets any way they can get it whatever they can do to get it they need to suffer for these actions and the sooner the better
by Anonymous From Antigo, WI on December 21, 2012
they won't work with me once I got behind. They refuse to lower my payment of 1132 and each month it gets higher and little goes to principle after 8 years ($40) goes to principle of 1143/ month
by carmen From Brooklyn, NY on December 13, 2012
I've been on modification payments before, now after reapplying I'm being denied and charged with late payments. Every week they want same documents faxed. Then I get letter I was late or did not send documents. Are they kidding me. Who is out there to help us avoid losing our homes?
by Anonymous From Portland, OR on November 25, 2012
by Bigred From Lynchburg, VA on October 25, 2012
Beneficial sucks!!!!! This company is so dishonest. Some one please help us.
by Anonymous From Glendale Heights, IL on October 01, 2012
I wish Beneficial,Household Finance,HSBC Mortgage Company take a hike and stop screwing all of us!!!!! Hello SENATORS ATTORNEY GENERALS CONGRESS PRESIDENT HELP US PLEASE AND THANK YOU!
by Anonymous From Troutdale, OR on September 30, 2012
by Mary Schroeder From Three Oaks, MI on September 25, 2012
by Julie From Oregon City, OR on September 04, 2012
My mom has been battling with these guys for months now. She had a major stroke and is on a fixed income now. She had insurance on the property for when something like that happens. She sent in Paperwork to restart it and they said they didn't get the paperwork. Now she has so pay almost $900 a month and she doesn't even get $900 in SS. Every time she calls them she gets someone from India that she cant understand and they wont help her. Now I'm involved and Pissed at this company. So much that I'm going to try and transfer the mortgage to my bank and take over the payments. Beneficial Mortgage is a Joke. They wont talk to or help the people that need it the most. They are only in it for the money. They suck so much they don't even have a comments area on there site to leave a message.
by Teresa Brundidge From Phenix City, AL on August 06, 2012
by Anonymous From Orlando, FL on May 12, 2012
by robert kilday From Mchenry, IL on May 01, 2012
Beneficial finance made 15% profit in 2011 or 19 billion. I send an Email to the today show every month. Like Shawshank redemption Tim Robbins part everyone send e-mails to the today shoe. Go to their home page and click on contact us. Then complain about HSBC or Beneficial Finance if enough do it they will listen. I sent 5 letters to the prosecuting attorney generals in IL. Lisa Madigan State of IL, Chicago, Northern IL, McHenry County. everyone send complaints weekly or monthly and do not stop. The louder we are the better chance we have!
by Robert Manning From Cleveland, OH on March 20, 2012
Not willing to work with me. I am behind on payments and only option was to send certain amount by certain date or will foreclose
by Carrie From Pittsburgh, PA on March 06, 2012
by Anonymous From Fitchburg, MA on February 09, 2012
The worst Company out there!! I would not recommend them to my worst enemy. i was two months behind they threatened me with foreclosure.. and there strong arm antics. I recently became totally disabled and spoke to them to see if they could help me out. they said no because I did not have disability insurance with them. I would like to walk away from it and let them deal with it. AGAIN the worst. they do not care.
by kimberly From Virginia Beach, VA on February 02, 2012
worst company ever...we were late one time but owe 10000 in late fees....they lie to make you appear late when you are not late so they can rip you off...paid late charges and they did not apply it to the late charges....
by Elizabeth Mince From Jackson, GA on January 31, 2012
When my husband lost his job I contacted them before the first late payment and many times after asking for help with a loan modification and was clearly advised that they did NOT have to assist and payment in full was the only answer they'd accept, which I obviously couldn't give them. We've lived in our home for 16 years and prior to the past year + we'd never even made a late payment!! I'm now out of work pending disability and without medical insurance. My husband has a job now but is grossly underemployed and without medical benefits. I wonder if this is what the depression felt like to those who survived it????
by Anonymous From Cincinnati, OH on December 02, 2011
I've been waiting for them to foreclose on this house for 2 years I've not made a payment going on three years I can no longer afford to pay for this place let alone the repairs I'm on social security disability I'm sick and can no longer pay the pills or keep up the repairs i filed chapter 7 last month and told them they can take it I wish they would just foreclose me and let me get a place i can afford... William cincinnati Ohio 45226
by Chad or Angela Harkleroad From Rural Valley, PA on November 29, 2011
by Jody Smith From Spiceland, IN on November 16, 2011
Job lost, they kept denying a hardship, would not modify our loan. They said, "we don't have to! We did not get help from the government." They are horrible liars!!!!! I have a disabled 6 year old and medical bills out the wazoo. I have 3 other children, too. They are horrible liars. I am obviously going to be foreclosed on and still feel like I will never be rid of these criminals. I know they have been under investigation and HSBC stands for Hong Kong Bank of China. Sure wish I would have known this. I cannot afford 1600 a month. We only make 3800. We have 4 kids, high utilities in this town, our mortgage, food, etc. They said we can afford it. Really? We can barely afford gas to drive to work in our piece of crap, old cars. Our credit is ruined.
by javier martinez From Bakersfield, CA on November 02, 2011
they are willing to help.
by Eldoris Gardner From Saranac, NY on October 27, 2011
I would never recommend Beneficial or HSBC to anyone.
by sherry rochon From Cleveland, OH on October 26, 2011
by Dawn Tutt From Sioux Falls, SD on September 04, 2011
by richard tormey From Oxford, WI on July 21, 2011
There loan officer lied his ass off to us. We took out a loan for 12,300.00 with disability ins. and death we were told it would pay even if I lost my job forever the ins. would pay the loan they paid for less then six month . Then they stopped paying now we owe more on the loan then when we took it out three year's ago. No matter how hard up you are for money Do Not get in valved with those people. you will get screwed and not even a Kiss/
by Steve Nasdeo From Columbus, OH on July 06, 2011
they made modifications to my mortgage without my permission. They used to accept partial payments, then when enough was sent for a payment, they would apply it. They changed this without informing me and no longer accept anything but a full payment. Now they want over $6K before they will talk to me about my account.
by Anonymous From Reno, NV on June 28, 2011
by Patti Breton From North Berwick, ME on June 16, 2011
by Anonymous From Oakdale, LA on June 16, 2011
by Bonnie Siebrands From Willow Lake, SD on June 14, 2011
The problem with this company is their employees are not well educated with their mortgage system. When asking questions you will get a different answer from each collector or customer service or they just cannot answer them. I have asked to speak with a supervisor they refuse to transfer you.
by Mark Limbocker From Astoria, OR on June 11, 2011
by Denise From Wilderville, OR on June 02, 2011
Horrible lying company. Kept trying to take money out before the were scheduled too causing overdrafts. Lost my home because they refused payments though I had been only 1 month behind.
by george From Saint Petersburg, FL on May 27, 2011
Worst credit company i ever came across!!! All sand buggers from india who cant speak english
by carla From Melbourne, FL on May 09, 2011
I am sorry that i ever got into bed with this company. I have lost income due to space industry layoffs. After a year of supposedly lowering my interest from 9 to 5.25 percent, i realized that they did not really lower interest because the balance of payment not paid was being tact on to what i owe.????! I have had enough with this company. I have requested deed in lieu. If they play games, they can foreclose and shove this condo where the sun doesn't shine.
by Faith From Millersville, MD on April 18, 2011
These people are the WORST. I have lost 35 percent of my income. I begged for a modification - they had every excuse in the book not to work with me. They all but told me that they are looking to get rid of loans that are "upside down" regardless if the customer is making the payments. And THEY are the ones who granted the high interest ridiculous loan! STAY CLEAR OF THIS COMPANY
by Louise From Tremont, PA on April 14, 2011
contacted one of our congressman in our area to see if he can do something about the way they are treating the people
by L.H W From Indianapolis, IN on April 06, 2011
Beneficial, what a bunch of schemers. I am current on my mortgage but even so they try to make it hard on you to make payments. They have no branches here in Indiana. So I want to schedule my payment but I can only schedule the payment online 14 days prior to the due date. I figure this increases the odds of you forgetting to make it. I almost thought about changing my religion to voodoo and pray that plague would fall on all the leaders and their children of this horrible company. their offspring will probably be as evil and greedy as they are. Pain and suffering to them all.
by Claudia Rodriguez From Mission, TX on March 24, 2011
Taking out a home equity loan with Beneficial was the worst mistake of my life. My judgement at the time was very unstable since my daughter had just passed away with cancer. For the past ten years I have only managed to pay interest. I started with a 20,000.00 loan and now owe 22,000.00. I am desperate.
by Anonymous From Eden, NC on March 17, 2011
The worst company - will not work with you in these hard times. Talk to different people that say they are recording the conversation - yet when you ask them to pull it back they give some off the wall excuse. I wish someone would have told me about them.
by Anonymous From Waxhaw, NC on February 13, 2011
All i have to say is,This is one of the worst lenders out there !!!!! do not repeat do not go to them for anything !! you will be sorry !i have gone on line to pay my payments and have been locked out on more than one occasion. You have to re register every time. Which is time consuming and when you have to make a payment quick. Your not able to. Watch them they're sneaky and crooked as heck!!!
by Anonymous From Worcester, MA on January 27, 2011
We applied for their hardship program in July. Have been denied 4 times. My husband's hours had been cut, we were paying off loans and credit cards which they will not count as income loss. Never return calls, send back partial payments. We are working with lawyers now to save our home. I wish I NEVER heard of them!
by Adrian Cruz From Leavenworth, KS on January 26, 2011
by Anonymous From Catawba, NC on January 05, 2011
by Anonymous From Newark, OH on November 18, 2010
I agree with all the comments that Beneficial WON'T work with you. They send partial payments back. You have to explain your situation EACH time you call because you talk to someone completely different each time. They try to call you several times a day & most of these times they do NOT leave a message! I received notice that my foreclosure was dropped in July 2010. But, I've not received any statements from them. This makes me wonder what is going on. They WON'T answer my questions via e-mail. And, when I recently called a phone number, I was transferred around 3 times & that department was closed. I don't think anyone knows what the he** they are doing.
by Anonymous From Winchester, VA on November 08, 2010
Their hardship program is a joke. You have to reapply every 6 months, you get different answers each time, talking to different people at the company. They pursued me for a refinance loan which raised my interest rate from 5% to 8% and monthly payment from $1600 to $2100. The lady asked me to write a letter saying I babysat for extra money because it would help the loan go through more easily.
by Anonymous From Reseda, CA on November 08, 2010
HSBC - Beneficial are one of the worst Mortgage Companies, they refuse to work with people!!! Not working with people who at least still have jobs but their hours have been cut, pushes people to the edge...
by Anonymous From Mobile, AL on October 18, 2010
by Anonymous From Columbia, NJ on September 28, 2010
They have TOO many people handling our foreclosure account!! none speak to one another neither do the note your account! We are about to lose our home!
by Heather Stjean From Marion, OH on September 27, 2010
Was told if I made 3 payments in a month that my mortgage would be brought current.... after I did... was sent a letter saying need another $1700.00 in 30 days... mortgage was never brought up to date..
by Judy From Homeland, CA on September 25, 2010
Bottom Line: Beneficial,Hsbc should be investigated and why they are not is beyond me. i have contacted FTC,state senator, governor etc.. Beneficial forced us to file Chapter 13 after my husband lost his job as to no fault of his own. everyone who had them for a mortgage knows exactly what they do! absolutely nothing. we were never late on payments and were not late when we had to file Bankruptcy. now we do not get any statements mailed and forget trying to get one. you call them and you get india or whatever. how they get away with their lies is despicable. the only help you get from the USA is if you had Freddie and Fannie. HSBC know they can get away with whatever they want.
by anonymous from Lyndonville, NY From Lyndonville, NY on September 23, 2010
This company sucks and I would highly advise anyone who is a first time homeowner not to use them. They claim they can help you out and make things worse. We struggle to make payments and when I called to try to work something out they would not help. I have tried to refinance somewhere else but now our credit is ruined.
by Paula Evans From Sturgeon, MO on September 09, 2010
Refuses to help homeowners when they fall behind due to unexpected difficulties. They say that you may qualify for special programs but deny you every time
by Anonymous From Griffin, GA on September 08, 2010
by John Gervais From Spokane, WA on August 17, 2010
by martin From Farmington, NH on July 20, 2010
lost my home to them. Any attempts to pay anything that I was capable of paying were denied. would not take payment.
by Anonymous From Whitesburg, TN on July 17, 2010
by libby gosnell From Dandridge, TN on July 16, 2010
by Anonymous From Honolulu, HI on July 06, 2010
when your home goes into foreclosure , their is so many operators, at beneficial, that you have to discuss your information with each of them, instead of one person, some of them don't understand a signed form letter with a notary stamp from your state, is the power of attorney authorization. dealing with beneficial in this time of desperate need to help my mom save our home is very sad, to see american people trying every which way to save our home, from foreclosure, i'm trying my best, to save our home on behalf of my mom who is in the hospital at the moment.
by Anonymous From Savannah, GA on June 29, 2010
you can file your complaints on the federal trade commission website. After this many they might take notice.
by Anonymous From Savannah, GA on June 29, 2010
File all your complaints at www.ftc.gov
by timothy garland From Sanbornville, NH on June 20, 2010
can't work with them from my side
by Mary Wright From Toledo, OH on June 17, 2010
by Scott Turk From Springfield, MO on June 14, 2010
by Laurie Brewer From Hagerstown, MD on May 21, 2010
I have never had ONE positive experience with this company from settlement to today. I have never been spoken to with such total disregard for my current situation. They told me it is not their fault that my mother died and I should have better financial management skills. Actually, one woman actually laughed at me when I explained my situation. I honestly wish that I was not sitting with negative equity and had the ability to refinance. I tell anyone that is looking for a mortgage company that Beneficial/HSBC is not the place for anyone!
by Anonymous From New Freedom, PA on May 15, 2010
by Anonymous From Mauston, WI on May 10, 2010
worst company I've ever dealt with. I have had a loss in hours which has cut my monthly income in half. I called these people up to let them know I could no longer afford the monthly payment. They pretty much told us they didn't care if we couldn't afford it. there is nothing they could do for us. Our pmt is 921 on a 78,000 loan. They did drop it by 100 as if that was really going to help us get by. they are crooked and i bet if everyone gets together and had a lawyer look at all of the loans they would find 90% of them to be fraud in some way or another. i hate beneficial. oh and did they tell anyone else they didn't except Obama's bail out plan, that's what they told us.
by Ron Bowlin From Flower Mound, TX on May 05, 2010
Continual contradictions from one phone conversation to the next. They conveniently tell me they've mailed information to me regarding my hardship application, when actually I've received nothing. Then they allow the time to expire and cancel my hardship application - they did this twice. I requested a payoff just this week and upon receiving the payoff, the balance is $35,000 MORE than what shows on my monthly statements.
by Angi T. From Tonica, IL on May 01, 2010
THey are horrible. I asked several times for hardship assistance and was refused. Then I get served papers that state I refused to pay them......What a rip-off. No wonder HSBC had to close down all the Beneficial locations!!
by Anonymous From Moreno Valley, CA on April 18, 2010
AWFUL!!!!...my husband and I lost our home because this bank refused to help us! THE GOVERNMENT NEEDS TO SHUT THIS BANK DOWN!!!
by Mike Brown From New Washington, OH on April 09, 2010
We lost our house dealing with these pirates I would recommend all of them be put in jail
by Anonymous From Cecilia, LA on April 07, 2010
by Lindsey Riley From Durham, NC on April 03, 2010
by Regina Johnson From Spring, TX on April 03, 2010
I made an agreement to get caught up on my mortgage and they have not followed through. I have made numerous attempts to make payments and all returned because it was lower 'than what was agreed' but I have not seen anything with a new amount on it and I have no idea what I should be paying.
by Anonymous From Alfred, ME on March 27, 2010
by Tracey Padilla From Killeen, TX on March 26, 2010
by Anonymous From Cedarville, NJ on March 25, 2010
by Scott & Mindy From Joliet, IL on March 22, 2010
This is the worst company we have ever encountered! They made promises and never kept one of them. They told us they would give us a loan that we can afford - LIARS!! Long story short, they are horrible! They stuck us with a loan we COULD NOT AFFORD then said well, pay on time and we will re-finance free of cost. Yeah right, we never made it that far. We told them we were sinking and they don't do a thing. They give us the government #'s to call but they DO NOT participate. I It's a vicious circle. WHy the hell do they give those #'s out and they don't even participate in the programs! Every time we call, it's a different person and have to go through the same story. We talked to this horrible company about 3 times a week and get nowhere. We have reported them to the BBB and Lisa Madigan's office.
by Anonymous From Newark, OH on March 09, 2010
by Teresa McCabe From Hays, KS on March 08, 2010
When we took out the loan, we THOUGHT that all of the taxes and insurance were included. NOT. yes, we thought we read everything right. We were also told that if we made payments every 2 weeks we would be able to get a better interest rate. That did not happen. Also, not too long after we signed papers, they closed the business near us. I think they are raping us right now. My credit was excellent before.
by Liza From Kingsville, TX on March 05, 2010
I thought I was the only one suffering with this company (Beneficial) never in my life have I deal with crooks like this. They should be a law and nothing will be done until we loose our homes.
by Anonymous From Hagerstown, MD on February 26, 2010
I wish that I never got hooked up with them
by Anonymous From Clio, MI on February 26, 2010
I'm very frustrated...There is NO WAY I can EVER afford to make a payment of $1396.00, again! I would LOVE to have a $700.00 payment FIXED. The MOST I can pay is $850.00 and that is a stretch! But I CAN pay it. I need to live, too.
by Anonymous From Fitchburg, MA on February 24, 2010
Theyare awful bank hate them. help the people who were cheated.
by Tammy Keen From Indianapolis, IN on February 11, 2010
by Anonymous From San Antonio, TX on February 05, 2010
by Anonymous From Chapmansboro, TN on February 04, 2010
Beneficial will not work with their clients on changing anything when financial hardship falls on their customers. We were strong armed into this loan and lied to from the start. I do NOT suggest Beneficial as a company for anyone to do business with.
by Agueda Miranda From Elmwood Park, IL on January 28, 2010
Beneficial Finance, They very rude, they have no human compassion, they treated me very bad. They don' care, . After all the stress of explaining to them home situation, the conversation got worse, The lady humiliated me, and told me if I could not pay the to give them the key of the house, and If I could not pay for the car, to go ahead. and returning to the dealer.
by Joyce Cain From North Augusta, SC on January 23, 2010
We have found the people at all spectrums of activity of HSBC to be rude, arrogant, non-caring and totally unwilling to work with us in any capacity to be able to keep our home. Further they admitted they never took into consideration any kind of living expenses when they made the outrageous loan that they were going to redo and this should have been illegal. We cannot get a copy of the appraisal from them and have been trying for several weeks. They refuse to accept any kind of payment on loan and want it brought up to date immediately. This is impossible with the condition of the economy, we cannot earn any more money at our age and if we could work, there are no jobs. What on earth are we to do?
by Anonymous From Earlimart, CA on January 17, 2010
by anonymous From Marietta, OH on January 13, 2010
this is the worst company i have ever been involved in. we had a house fire and beneficial told us not to make payment but to use our payment to help rebuild the house so it will be livable again. after we got our house rebuilt we got in touch with beneficial so we could start getting caught up again. this is where they told us that because we were behind that foreclosure has already started the next thing we knew we were listed in the paper the house was being sold on the sheriffs steps in 1 month. we tried to work out arrangement and they wanted no part of it. we are now filing bankruptcy and these payments are even higher and we can't even make that what the hell are we supposed to do now. also they included in our payment their attorney fees which is another 40,000. why do we have to pay for an attorney when their company has attorneys i think this is another scam so some selfish S.O.B. can sit back and relax if anyone can help us we would greatly appreciate it. if beneficial would eliminate those ridiculous attorney fees i have someone that will buy our house.
by Kim Henderson From Indianapolis, IN on January 13, 2010
by stephen bullard From Pembroke, NC on January 07, 2010
by Anonymous From Bloomfield, CT on January 05, 2010
I usual don't ever post on these sites, but for BENEFICIAL I will. this is the worst company I have ever dealt with. They were wonderful when we tried to get the loan but then when financial difficulties kicked in they were horrible. They lied at every turn, they would find a reason to deny the hardship requests and finally I had to file a compliant with my local Equal Housing Opportunity Branch to final get someone to listen. They agreed to reduce my rate for 2 year, however I am trying really hard to get my credit in order before that time to refinance away from them, cause I know after that 2 years is up, they are going to SCREW ME! I wish some attorney out there would file a class action against this company.
by Anonymous From Katy, TX on January 04, 2010
by marcus dunford From Las Cruces, NM on January 03, 2010
Seems like the interest. rates were a little high. Now my credit score is bad and they do not want to help.
by Rodney From Huntington, WV on December 23, 2009
Beneficial yelled at me acts when I didn't want to make payments any longer. I pulled my pants down and mooned them, they told me...oh yeah!!! That's the good stuff, then they let me skip a payment. Hurray!!!!
by Anonymous From Dandridge, TN on December 15, 2009
I have 2 loans with this company,I have to rate them as one of the worst companies in the world to do business with. I called today to try to work out a payment arrangement with them on my loans. I was explaining that my income has dropped by 50% this year and I cannot afford the payments at the high interest rate they are charging. I was speaking to a rep in their hardship department. He said his name was Curtis Richardson,and he has to be one of the rudest people I have ever tried to talk to. I was informed that I was not going to be able to apply for their hardship plan and when i asked to speak to his supervisor I was told no. When I asked why,I was told this wasn't something his supervisor should be involved with. Anybody want to know how cold it will be in hell before i do business with or recommend this company to anyone?
by MAry BRown From Moreno Valley, CA on December 14, 2009
by Amanda Harris From Staunton, VA on December 10, 2009
by Dorothee Rosser From Jacksonville, AL on November 27, 2009
I contacted the lender in May, asking for hardship help, it took three tries before I was denied. I have been contacted once for collections and agreed to pay $1,400 as a goodwill gesture on November 17. The money was supposed to be paid out of my checking account, but was not withdrawn. When I called today (11/26), I was told that my account was flagged because I had put a stop payment on my automatic withdrawals,in order to save overdraft fees. On 10/26, I faxed again a hardship application to the lender with no answers. I was told today that I had to call first and get a "preview interview" to see if I even qualified for the hardship. I am upset that a)I had called several times to find out guidelines, etc. The phone numbers given to me, were never working and I had to always go through customer service, who sometimes connected me. I was told today that although I mailed the $1,400 payment on what I owe, that would not preclude their foreclosure. I am trying to work with HFC, but 2/3 of my main income goes to the mortgage company at 9 percent.
by zella Huff From Rock Island, WA on November 24, 2009
by Terri From Hudsonville, MI on November 11, 2009
For years we made a half of a house payments every two weeks, always on time. This July when my husband lost his job (which was 3/5's of our income) I called them that very day. I gave him our monthly expenses right there over the phone and our income. I was to then fax over proof of income and he said that within two weeks "hardship dept" should have a decision. The following week I was admitted to the hospital through emergency for a week. By the time I returned home from the hospital I had received a letter that my application had been suspended as they had not received the hard copy of proof of income. I sent the info to them as soon as I got back to work (which was exactly two weeks from the initial phone call to them) including my hospital discharge paperwork so that they would know that I was being completely honest, up front and acting in good faith. They then took three weeks to let us know they wanted additional information. I sent that in immediately and again they took another three weeks to respond. I placed calls to them at least twice a week but to no avail. They were nothing but evasive and misleading. All the while they kept telling me to keep the payments current. I have given them the same information over the phone repeatedly and they have promised that it's all been noted on my accounts. They were also told that due to my hospitalization in July/august I required surgery and would be on disability for 4-6 weeks and I gave them those dates also. It is now November 11 and they still claim that they do not have all the information necessary and get this.....their latest scheme is that they have no information on one of the mortgages. I explained that every time I faxed info to them I included both Loan #'s but they said that I was supposed to fax everything separately and twice. Once for each mortgage. WTF...don't they have a copy machine or anyone with an 8th grade education? When you receive a fax that has two account numbers you input the information received on both accounts. Oh no that's not how it works. I now have to send everything again and oh by the way you're behind on the mortgage can you make that payment today? I told her I would but since it's fall all the money has fallen off the money trees out back...so sorry. In addition, they received notice from us in writing in september that I was going on disability, one of the mortgages had the accident and disability insurance that we have been paying the premium on for years. They just told me today that no claim has been filed even though they knew this for two months! After claiming they couldn't find the policy and I pointed out that I was holding a statement in my hand showing the policy they finally found it. Now they are supposed to mail out in 7-10 days paperwork for me to complete and my physician. How uneducated and incompetent are all of the employees there or are they all just crooks! If you really were going to help someone you would have sent that paperwork out two months ago when you were notified that the policyholder was going on disability in the meantime they think I should make that payment with what? It has been just under four months since I first contacted them and we are in the same place we were the first day I called. I worked 17 years for a 40 million dollar insurance broker and never ever would we have even considered treating a customer this way. In fact had any of my employees been even half as inept as the people at beneficial, they would have been out of a job immediately! To top it all off their collections department is now calling my home every hour from 8 am. to 9 pm and guess where they are calling from....India. They cannot be understood much less trusted. The last one that called I explained that I am an american with a debt to an american company drwan up on american soil for an american home and I only deal with americans on american soil who speak clear, concise and coherent english. Beneficial is probably paying these poor slobs in india all of a $1 a week, slave wages because they are too cheap to take care of their american customers with american workers. There has got to be someone that these people can be turned into. If there is a lawyer or group that is going after Beneficial please contact me at email@example.com as I am willing to be part of any class action suit or group claims/actions against them. THEY MUST BE STOPPED!!!!! Lastly...a warning to all, if you are looking for a mortgage stay away from Beneficial/Household Finance/HFC/HSBC or you'll be sorry someday. If you have a mortgage with them and even if you are financial sound right now I would highly suggest it is in your own best interest that you do some research and refinance as quickly as possible with a reputable company that does care about their clients and is willing to work with them.
by Anonymous From Mossyrock, WA on November 08, 2009
Refinancing was not offered and help with payments or allowing a grace period to restructure was not listened to. We did not have the ability to shop around and took a higher than normal interest rate, we thought it was because we were dealing with a manufactured home. At this point, we'll have to do the best we can for a few years until we can get to a bankruptcy court...the outlook does not look favorable.
by Theresa From Pine City, NY on October 26, 2009
They don't know what they are doing in their offices. The employees don't seem to care about errors.
by Anonymous From Copperas Cove, TX on October 26, 2009
by Theresa From Pine City, NY on October 22, 2009
Beneficial sucks!!!! I'll ban with anyone who wants to. Anyone know how to contact their foreclosure department?
by Anonymous From Alburtis, PA on October 06, 2009
by Margaret Upchurch From Greensboro, NC on October 04, 2009
by Anonymous From Hermann, MO on September 22, 2009
Awful company to work with. I try to call the number and get a voice mail and no return phone call. Will not work with you at all
by DENEENE HOLLAND From Crisfield, MD on September 13, 2009
by Anonymous From Salisbury, MD on September 13, 2009
by Roy McClung From Parachute, CO on September 10, 2009
They were pretty good to work with early on, but I don't think they were very up front about a lot of things. They also closed their local offices without letting us know so we now have to deal with a corporate voice in another city that doesn't care about our local situation or relationship.
by Connie From Newark, OH on August 31, 2009
I agree this company sould be sued. WE who have been screwed by this company should band together and do something.I learned this in 1986. I had 4 loans from them perfect always paid on time. Then took another loan and 3 months in I lost my job I did get behind 2 months and got so much harassment Here I been a loyal custmer and going through bad times. They didn't even try to help me. I started working again and catching up on my living bills home car told them I would be able to pay soon. They called my job Well I went to pay them and they would not take it and took me to court !!! Anyone want to gather together on this? Let me know I'm for it. It's time we stop laying down and stand up for our rights.
by Anonymous From Oregon, WI on August 21, 2009
Why is this company allowed to be in business? Corruption based on these types of lending practices will only stop if people sue, create class action suits and Government steps in to represent those unable to afford representation against such a large firm.
by Anonymous From Colonial Heights, VA on August 21, 2009
Beneficial rejected payments from us, then filed a notice of default with the courts and are trying to foreclose due to these payments we can prove are 100% up-to-date. We have an attorney that appears afraid of this company and wants us to pay arrears that we have proven are not due. Worst company in the history of finance. I will live in a box, a cave, or a hole in the ground before I pay these people money I do not owe. Stay away from this company, they seem to be exempt from US law and will run over us all if allowed. Mr. President please help. I've been a soldier for 25 years doing my part to preserve the American way of life, this company denegrates it.
by Anonymous From Galt, CA on August 18, 2009
by mary kay jones From Danville, KY on August 17, 2009
The problem I have with Benefecial is that I cannot ever get the same information consistently and I would like to be able to work with one CSR rather than someone different every time I call. I spend a lot of time on hold and cannot get through in a timely manner. My debt keeps piling up with them and it seems it never goes down.
by Linda Skavlem From Graham, WA on August 13, 2009
They have always been very helpful in the past and worked with me.
by heartbroken From Las Vegas, NV on August 10, 2009
The President must do something.Its not right what they are getting away with. I paid my second off only a year and a half ago of 50k then times got hard being a small business owner and medical condition and to top it off a terrible divorce im luck im sane. They refuse to work with me and any day I know they are going to throw me in the street.Its crazy I offer to pay them 1400 a month and houses in my development are selling for 99k and they refuses to take 1400 a month! its not right someone has to stop them. this will ruin my life its all i have.
by Anonymous From Auburn, IN on July 10, 2009
this company is nothing but a loanshark stay away
by Terry and Suzan Noerr From Hawthorn, PA on July 06, 2009
I have had nothing but problems with this company. I filed bankruptcy and chose to keep my home, not put it on the bankruptcy and they treat me terribly now. I don't get a statement or bill or anything from them showing my balance or anything. I've called many times, they told me to request it in writing: I've done that a hundred times and they've lied to me, they still haven't done it. They are liars and cheaters. Predatory lenders.
by Anonymous From Carlton, GA on July 01, 2009
They will not try to work with you. And they give false information.
by Gary Rink From Mountlake Terrace, WA on June 18, 2009
by kym weathers From Central Point, OR on June 14, 2009
i have paid 3600.00 a month to beneficial, my house is upside down cant refinance it, causing me to loose my home they wont work with me on lowering the payment, said the house was worth it when they did the loan a year ago, but they lied the house was not worth what the loan was for at that time either, then they had me put my husband on the loan i got the loan they then took him off the next day.. i need to try to save my home i have a disabled son but they wont help me lower the amount.. don't trust this company!!! obama please check them out...
by Anonymous From Rushville, OH on June 03, 2009
by robyn osborne From Morristown, TN on May 29, 2009
if i could get lower house payment i could make it
by Sharon Bennett From Blackshear, GA on May 22, 2009
They have worked with us.
by Anonymous From Steubenville, OH on May 13, 2009
This company should be shut down. President Obama needs to look at this company and put a stop to their predatory ways.
by Anonymous From Concordia, KS on May 11, 2009
by Anonymous From Warsaw, IN on May 05, 2009
Since I came out Chapter 13 I can't even get a statement to pay my payments. When I have tried to contact them I get an answering machine and never a call back. And I tried to go to local branch but they have closed all the branches.
by Anonymous From Bicknell, IN on May 01, 2009
by Willie From Lancaster, SC on April 28, 2009
Loan Sharking! This is what this company is. You talk to this one and that one and no one knows anything about what you're talking about.They are cocky and rude.I was on hardship for 6 months and asked for another due to job loss they granted it but during the transaction they declared that i owe 236.oo they will not get it.I have been paying on this loan for 2 years and it is still 2000 dollars more than i borrowed.Tell everyone you know don't mess with Beneficial.
by Chris From Bridgton, ME on April 27, 2009
The WORST mortgage company EVER!!!! They won't work with you in times of need, they want to foreclose and take your home. Perfect example of predatory lending. We are currently trying to sue them. Stay FAR away from them if you're looking to refinance. BEWARE!!!!!
by Anonymous From Westland, MI on April 26, 2009
They told me I had to miss three months of payments before they could help me, and then when that time came they said no. Now, I can't get caught up due to that and the fact that they pushed me back up into a higher repayment because they denied helping me. I am in big trouble now because of their adding in taxes and modifying without telling me anything. They have not informed me of anything that they have been doing with my account, and now my three loans put me in an 83% of my income to have to pay them each month.
by wayne morgan From Smyrna, GA on April 26, 2009
by wayne morgan From Smyrna, GA on April 25, 2009
by Tyrone Peterson--Owner From Madison, WI on April 23, 2009
For the Homeowners that carry Beneficial or HSBC as their current mortgage provider. Over the past six months a team of lawyers, lenders, and wholesale lenders have been elimating the various problems on this blog.
by Christina Rotella From Clifton Park, NY on April 15, 2009
It did not seem to matter that i am working again and I have given them so much $$ in such a short amount of time which I feel shows my commitment to save my house.
by Anonymous From Warren, MI on April 04, 2009
Beneficial is the reason I have to file bankruptcy and lose my home!
by Jackieann Withrow From Clendenin, WV on March 30, 2009
by Anonymous From Harlan, IN on March 18, 2009
we have called them a couple of times in the past year asking them what we can do about lowering our payments and they say there nothing they can really do for us.
by max From Missoula, MT on March 17, 2009
having the same trouble. Due to things breaking down and some medical bills, we are a couple thousand behind and no one will work with us. Wish I had not refinanced with them 5 years ago.
by joann amendola From Trenton, NJ on March 07, 2009
This company refuses to work with me on my mortgage they just want to foreclose on my home, also for the last year ive been making partial payments being i coulndnt afford the hole one and they wont even count the money ive paid. there trying to say ive made no payments but i have the checks to prove ive paid something.
by Todd From Bristol, CT on March 05, 2009
I refinanced with Beneficial three years ago. Mortgae was(pay twelve months in a row without being late, the interest rate would drop. this would happen every year for ten years resulting in six percent interest rate). That was fine until we had fallen behind.In July of 2008 I had worked it out with Beneficial to pay my back taxes. This was a three way call, me, beneficial and the town I live in. At the end of the call it was agreed Beneficial will pay the property taxes. Five months later I am served papers from the sheriff saying the town was foreclosing on my house. I called Beneficial 100 times and redirected a thousand times with no help at all. I visited my local branch to ask for help with my situation and I might as well ask to perform heart surgery. She said she had know idea what to do and she would call someone. After a half a dozen calls she found who she needed to talk to. Even a branch manager had a hard time getting through to them. After all was said and done benefical finally paid the taxes that they said they were going to pa six months prior. In the meantime they jacked my interst rate to 9.75 percent, tacked my back taxes on my monthly payment. my monthly payment went ftom $2,150 to $3187.00. I applied for hardship and now my payment is $1832. Temporarily(six months). Now that Beneficial is closing up shop in the U.S. can you imagine how much harder it will be to get through to them. Is there anyone who knows how to get loan permanitely modified? Sorry for the rant but I,m sure you all understand. Good luck to you all!!!!!
by Claudette Walker From Phoenix, AZ on March 04, 2009
This company does not communicate or document information correctly, their representatives do not complete tasks timely and they seem to prey on people during a crisis. I brought this companies insurance (disability) they denied my claim which resulted in a law suit being filed against them.
by Tracie From Walnutport, PA on February 15, 2009
We went with Beneficial in April 2008. First they LOST 90,000.00 due to an internal error that took 5 months to fix-after our lawyer became invovled. At that time, we were given in writting our new monthly payment that would start on July 1. Since they were still trying to find our 90,000.00 in July we could not start the new program we were promised. Bottom line--we are going to court. I am looking for anyone that has had a problem with beneficial to contact me at firstname.lastname@example.com. WE NEED TO STOP THIS COMPANY!!!! The more people we have the better the case it would be...Contact your state's department of banking....We did!
by Anonymous From Walnutport, PA on February 15, 2009
by Michael & Cindy Miller From Hillsboro, MO on February 12, 2009
I feel taken advantage of, I should have done more research but did not have a clue where to start.
by Anonymous From Wheeling, WV on February 11, 2009
by Anonymous From Wheeling, WV on February 11, 2009
by Anonymous From Orlando, FL on February 10, 2009
this is the worst company, currently having a hard time with a 2nd mortgage and they don't want to help.
by Becky From Greenwood, IN on February 10, 2009
This is the worst company ever! I feel royally screwed. They put us into a ten percent mortgage refinance a year ago and then said that we could refinance a year later with no closing fees at a "much lower rate", etc. I went in every month for three months recently asking for a refinance, esp. because my husband is in construction and was getting ready to experience a layoff. Every month they said that they could not help us. We owed more then our house is worth, etc. Now three months later my husband is laid off and we missed a payment. They called us a few weeks back saying they could refinance. Then they did not call us back. Once my husband got a hold of them their response was, "sorry can't help you because you are three months late in your student loan bills." Why call us in the first place then? During all of this we constantly receive "personal loan" shit in the mail trying to get us into more debt. Now I have contacted them and they say that we can apply for "hardship" on their website. There is nothing for "hardship" on their website. Can somebody please tell me what the hell they are trying to pull? If I had the money and means I would sue the shit out of them.
by Becky From Greenwood, IN on February 10, 2009
This is the worst company ever! I feel royally screwed. They put us into a ten percent mortgage refinance a year ago and then said that we could refinance a year later with no closing fees at a "much lower rate", etc. I went in every month for three months recently asking for a refinance, esp. because my husband is in construction and was getting ready to experience a layoff. Every month they said that they could not help us. We owed more then our house is worth, etc. Now three months later my husband is laid off and we missed a payment. They called us a few weeks back saying they could refinance. Then they did not call us back. Once my husband got a hold of them their response was, "sorry can't help you because you are three months late in your student loan bills." Why call us in the first place then? During all of this we constantly receive "personal loan" shit in the mail trying to get us into more debt. Now I have contacted them and they say that we can apply for "hardship" on their website. There is nothing for "hardship" on their website. Can somebody please tell me what the hell they are trying to pull? If I had the money and means I would sue the shit out of them.
by Anonymous From Cadet, MO on February 09, 2009
they draw you into bad loans when the times was good and now they don't want to help people save their homes.
by gene plymale From Wooster, OH on February 06, 2009
they are not very timely on insurance payments when they owe you but expect you to pay even when you cant
by Anonymous From Dayton, NV on February 04, 2009
When I refinanced with this co. they didn't have the ability to include my insurance on the house in the loan but I heard six months later they changed their policy but it was too late for me to be able to change my loan. I was desperate to refinance at the time because of a adjustable rate on my prior loan. I should have researched to find a better deal somewhere else. We live and we learn unfortunately.
by Anonymous From Katy, TX on December 29, 2008
I ended up refinancing with this company and they are the worst. I sometimes send extra payments on principle and they drag their feet about posting them until I call and call. They also offered bi-weekly payments, but they don't apply them until the last possible moment the payment date. They will hold money so they can take advandage of the high interest rates on your balance. Forget paying bi-weekly. Its just a joke.
by Barbara Harrison From Orlando, FL on December 23, 2008
They are extremely rude and many times non-responsive.
by Anonymous From Charlotte, NC on December 18, 2008
Benefical gave us a home equity line for $30,000 our home value is 125,000 we owe 110,000 so we are upside down in our home and feel trapped. We called them to try and get a lower rate because my husband and I are both unemployed. They said that since we owed more on our home than it was worth then we could not refiance for a lower rate. My husband asked why did we get approved for a loan more than the value of our house and the lady told him that they have now changed how the do assement values of homes now. Okay and so what I'm I suppose to do. My current mortgage company will not refiance me either due to this loan being more than the value of my home. We all know that now is a great time to refiance.
by Anonymous From Charlotte, NC on December 18, 2008
Benefical gave us a home equity line for $30,000 our home value is 125,000 we owe 110,000 so we are upside down in our home and feel trapped. We called them to try and get a lower rate because my husband and I are both unemployed. They said that since we owed more on our home than it was worth then we could not refiance for a lower rate. My husband asked why did we get approved for a loan more than the value of our house and the lady told him that they have now changed how the do assement values of homes now. Okay and so what I'm I suppose to do. My current mortgage company will not refiance me either due to this loan being more than the value of my home. We all know that now is a great time to refiance.
by Raquel Feliciano From Paterson, NJ on December 08, 2008
I think that Beneficial can give us a better workout loan considering our situation.
by Anonymous From Willoughby, OH on December 06, 2008
by rosalyn burston From Willoughby, OH on December 06, 2008
don't mess with them at all,they will give you a loan,but they are not right. NEVER EVER AGAIN
by Anonymous From Richmond, VA on December 04, 2008
Please, please!!! Find another lender other than Beneficial. We were fine until we refinanced with them and it's been down hill ever since.
by Amanda Reyer From Randallstown, MD on December 02, 2008
by Anonymous From Terre Haute, IN on November 22, 2008
Loan Sharks! Like others who have posted here, I too am on Beneficials "hardship Program". I am also filing chapter 13 bankruptcy on my unsecured debts. I have asked Beneficial for a permanent loan modification, as foreclosure would not benefit them or me. To date, I have received no response from them. Their collection people still call wanting back payments (though I am on the hardship plan) and each representative states a different dollar ammount owed. Sound right to you? This company preys on those of us with less than perfect credit and screws us into mortgages we cannot afford. Due to the rise in foreclosures, I am taking no crap from them, if they want this house they can have it. If enough of their BS loans goes into foreclosure maybe they will go bankrupt and all of the rude jerks calling my house will be out of work and they will know what it feels like to get rediculous phone calls all the time!
by Sandy From Dayton, OH on November 17, 2008
Beneficial wants to keep my insurance check for repair to my roof due to a storm. They want me to pay out of my pocket and then, they may, send me the check. Excuse me, do they pay my house insurance? i don't think so. Beneficial raked me in, sold me on the equity line which was not true and now, in order to get my freddie mac interest reduced they want me to reappraise my house for 195K and with today's times, not going to happen. Absolutely will not do anything for anybody. I'm taking this higher, hopefully eveyrone else will too.
by Anonymous From Jacksboro, TN on October 30, 2008
by Anonymous From Jacksonville, FL on October 24, 2008
by Anonymous From Pinebluff, NC on October 20, 2008
Prey on people with bad credit.
by Anonymous From Upper Marlboro, MD on October 15, 2008
by Shandon-dy Diehl From Muncy, PA on September 24, 2008
by Anonymous From Bath, ME on September 24, 2008
Glad we live in Maine! The staff here is exellent, we have never heard of a complant up here.
by Stephen From Round Rock, TX on September 22, 2008
Don't have enough room here to say how bad this company is. They HAVE to have trained their sales people in misdirection. If you're not careful, they'll have you believing that the "side loan" with your mortagae is actually a good deal at 19%. I was incredulous....I challenged the Beneficial rep on this and she acted offended I would even question them on their loan practices. My suggestion....before going to Beneficial....file banruptcy!!!!!
by Dianne Lida From Long Branch, NJ on September 15, 2008
by Anonymous From Oshkosh, WI on September 12, 2008
by JULIE BARNEY From Lake Placid, NY on September 01, 2008
by Anonymous From Harold, FL on August 31, 2008
Since we declared chapter 13 they will not communicate with me at all. We got behind 3 months and the wanted to lift the stay. We caught up but are now one month behind they will not talk to us about helping us in anyway.
by Anonymous From Springfield, OR on August 24, 2008
I have been w/beneficial since 1991,back then they were ok. When they merged w/household bank I've been living a nightmare! I did bancruptcy but this account was not involved. I have had absolutely no access to my account,no statements,or contact from this company! I am at my witts end with this! It's been almost 4 years! Know any good companys in springfield oregon?
by Anonymous From Ruther Glen, VA on August 06, 2008
I pretty much have the same stuff to say, we refinanced/consolidated our debt, went thru hardship had to file bankruptcy AND still can't pay our mortgage. Contacted a third party (Acorn Housing) to process harship paperwork....we shall see what happens!
by Anonymous From Canton, OH on July 29, 2008
They have worked with me but now I'm paying close to 400 more a month for attorney fees they attached to my loan for 12 months. My mortgage payment is more than one of my take home pays a month. I have other bills to pay and am having a hard time with this. The interest is 10% and they will not lower it.
by Penny Johnson From Spokane, WA on July 28, 2008
by April Leach From Shapleigh, ME on July 21, 2008
by Porter Peoples From Quincy, IL on July 11, 2008
by Porter Peoples From Quincy, IL on July 11, 2008
by poor in Carolina From Raleigh, NC on July 11, 2008
Got one month behind due to poor economy and surgical bills. Two years later am still paying for that past due payment with high interest rates. We were under the impression that we could skip one payment and tack it onto the end of the loan. No such. They really get you in the end if you know what I mean.
by Anonymous From Washington, IL on July 07, 2008
by Anonymous From Greenville, GA on June 09, 2008
by Anonymous From Lansing, MI on June 02, 2008
by Anonymous From Vinton, LA on May 29, 2008
by Lisa Brown-Jenkins From Detroit, MI on May 22, 2008
They have never been willing to assist with any solutions to bring my account current. Any attempts to pay anything that I was capable of paying were denied. The last person I spoke with told me that he couldn't do anything else for me unless I could make the account current on the phone with him right then.
by Anonymous From Chestertown, MD on May 17, 2008
There are too many chiefs and not enough indians! One office doesn't know what the other office in another part of the country is doing. You can never get a manager and one manager has never heard the name of the other manager. Very few speak English well which is important to me when I am discussing the most important bill I have
by Roger denson From Tulsa, OK on May 16, 2008
by Anonymous From Fruita, CO on May 14, 2008
2nd mortgage was at a very high rate, which was one of the reasons we were experiencing trouble making payments. Was also in process of waiting for disability decision at this time.should not have lent me 2nd mortgage with that high an interest rate, knowing I would have trouble making payment on 2nd mortgage.
by Anonymous From El Paso, TX on May 05, 2008
When I needed them they were not of any help to me. I informed them of my situation and they never even advised me of short sale or deed in lieu of foreclosure. I had to check around to see what I could do.
by gregory chadwick From Clyde, NY on April 29, 2008
They have bad bussiness practices.They even hold onto payments purposely.They say they do not have to cash them if they do not want to.
by lydia cruz From Banning, CA on April 24, 2008
by Anonymous From Chapel Hill, TN on April 21, 2008
While I understand they need their money, they could be a little more compassionate, not as rude or judgemental towards late payers.
by Anonymous From Detroit, MI on April 17, 2008
by Anonymous From Delphi, IN on April 08, 2008
by Anonymous From Grove City, PA on April 04, 2008
by Rodney Amspaugh From Newark, OH on March 31, 2008
by Anonymous From Manheim, PA on March 30, 2008
Very quick and easy to sign on the loan but after you sign they are no longer friendly or willing to talk to you like a customer.
by Angela From Thomasville, NC on March 26, 2008
We refinanced w/ Beneficial and also got the "Home Equity Line". Our house appraised at 110,000, however they loaned us $128,000 with 11% interest. They made it look good, because it looked as if we could pay off everything else and only have 1 payment per month. They do make it look good, however there is nothing good about Beneficial. BENEFICIAL SHOULD BE INVESTIGATED BY THE GOVERNMENT!!!
by Anonymous From Wanamingo, MN on March 19, 2008
Beneficial is a company that is making Americans Poor, we had a personal loan with interest rate of 21%, we paid $250/mo. and $117 went to interest every month, and now that I can't pay the bills d/t hardship, they are unable to help, so we will be filing bankruptcy
by Anonymous From Muskegon, MI on March 16, 2008
by Anonymous From Jackson, TN on March 13, 2008
The person that gave him the loan no longer works with the company. He told my spouse to come back in six months and he would refinance the loan. The manager of the company ran my spouses credit and said that ther was nothing that they could do for him.
by Chantel From Norfolk, VA on March 11, 2008
Thanks for all the postings....we have decided not to go with Beneficial after researching them here and various other places.
by Peggy casper From Surprise, AZ on March 09, 2008
by Anonymous From Mohnton, PA on February 26, 2008
by Anonymous From Palm Coast, FL on February 19, 2008
I refinanced with Beneficial and was told that within 6-8mos I could do an in-house refinance. When that time came they told me that they couldn't do anything for me because my loan was 100% and no houses were moving in my city. I could not afford my mortgage and decided to sell. I had a buyer that wanted to assume the mortgage or have me refinance and add him to it. They would not work with us at all. Eventually, my buyer got tired it had been almost 3mos. I had no choice but to try and keep my head above water. Eventually, I got caught up in Payday loans and got a car title loan and still I fell behind in my mortgage pushing 90 days with each month. Luckily I was approved for the hardship program which reduced my payment by $400 for 6mos. My time is almost up and I am wondering if I can refinance with a hardship program in my past. I know I will not be able to afford the mortgage again and selling is harder to do now than it was then. I am worried that no one else will take a chance on me with the smear on my credit. I know being late by 60 days is bad but what about the Hardship Program status as everyone knows it's a program for homeowners facing foreclosure. I really need to get out of this high interest rate mortgage. Anyone have any info on what being in the hardship program does for your credit status? Is it just as bad (looking) as having foreclosed in the eyes of other lenders in lending world? It would be nice to be able to refinance in-house with Beneficial but that's probably not going to happen for me. Thanks for any helpful info.
by Anonymous From Jamestown, NC on February 15, 2008
by kenneth walker From Chicago, IL on February 10, 2008
by Joe Gutierrez From Granada Hills, CA on February 07, 2008
by Simon From Cincinnati, OH on February 07, 2008
I am a loan officer and I have come across a lot of customers that have been misled by Beneficial. One case in particular really rubbed me the wrong way. These customers had just closed on a loan at 11.2% interest rate with beneficial and were *5 years old with 670 credit scores plenty of equity in their home. I got them approved FHA at a 5.75% fixed lowering the beneficial payment by 300 dollars a month. They told them their escrow were included in their payment which after reviewing their closing docs wasn't also they were telling them its fixed when in fact it was a 3 year arm with a 5 year prepayment penalty. I faxed in the cancellation form to the beneficial office and they had the nerve to call me and say their deal was better than mine because my closing costs were 2000 dollars higher which was due to their escrow account being paid so that they would be included in their payment, My customers are on a fixed income of 1900 a month beneficial s payment was 1050 a month mine 750 w/escrow! STAY AWAY FROM THIS COMPANY
by Greg From Creston, OH on February 06, 2008
They over appraise your home.High interest rates.No way you can ever pay them back.Payment are so high.I got behind due to a heart attack of work for months harassed me every day. I ended up in bankruptcy
by Anonymous From Winton, CA on February 05, 2008
by Douglas Cherry From North Vernon, IN on February 04, 2008
by Diana Balsam From Rochester, WA on February 01, 2008
By the way I tried to work it out with them from September - December. I applied for their hardship program. First, they kept telling me they had not received the paperwork. I faxed it over and over in a weeks time. Then I sent it overnight mail with a return receipt and with that submission came a letter of denial. They have been unwilling to work with me. I have tried everything to refi prior to coming to you.
by Anonymous From Chandler, AZ on January 26, 2008
they suck we have nothing good to say about this lender
by Anonymous From Wheeling, IL on January 24, 2008
by Anonymous From Asheboro, NC on January 23, 2008
For almost a year I made double payments on my mortgage. I have recently gotten behind due to a child having emergency surgery, changing jobs, and paying college tuition for another child. Beneficial has refused to work with me and is threatening to foreclose on my home. They refuse to accept anything less than the past due amount or arrange an acceptable payment plan. I refinanced with them over 5 years ago and have never been behind on payments. I also need to mention that when I refinanced they also set up a "home equity line of credit" that I recently found out is no such thing...it is a revolving credit account that I have no access to!!! In addition I have been turned down for refinance through other companies because for some apparent reason that cannot be explained there is a ridiculous amount of deferred credit on my account that they refuse to remove. Lastly they have been very rude and inconsiderate during my phone calls to and from them. DO NOT DO BUSINESS WITH BENEFICIAL.
by Joe Zimmerman From Las Vegas, NV on January 04, 2008
Please don't do business with this company. This is predatory lending at it's best. They thrive on people with low credit scores and then screw you blind
by Anonymous From Paulding, OH on January 03, 2008
We have two loans with them and our mortgage is constantly behind because they come to us twice a year and ask for interest advance payments of at least 2500.00 We are a family barley living paycheck to pay check and after a recent foreclosure looming over us we have know got payday loans that have us further into quick sand. I don't wish this company on my worst enemy
by wade prewitt From Louisville, KY on December 27, 2007
Beneficial granted me and my wife a loan to help get us back on track ,our payments were there until i was hurt and needed surgery for my shoulder . When i contacted them and explained what going on and inquired about the disability insurance we had on the loan and they had stated that i only had unemployment. I was outraged and couldn't make any of the payments because they were unwilling to help and lied to get us to sign.We would have never taken the loan if we didn't have a safety net and insurance covering me if i was ever hurt or unemployed.They will deny and lie to make sure your in default. Stating that there is no such clause to help when your unable to pay due to a set back.
by Anonymous From Greenwood, IN on November 12, 2007
I got a refinance loan with a high interest rate from them. They told me I could refinance a year later at a lower rate after proving to them that I could pay on a timely manner. I went back 18 months later to refinance and they sent me a letter saying that there wasn't anything they could do for me.
by alan From Danville, VA on November 09, 2007
We were given an excellent proposal only to have everything show up different on the final paperwork. The guy we were working with called and told us the loan was approved and go over all terms. Two hours later, when we got there, EVERYTHING had changed with no real explanation. We felt obligated since the lawyer was there and were basically forced into to doing the loan. This company is terrible!!
by Mumford From Junction City, KS on September 26, 2007
We are currently selling our house which has a mortgage with Beneficial. We have a cash buyer and Beneficial is interfering with the close of the sale. They play phone tag by not retuning calls. Our buyer is anxious and our real estate agent is dumbfounded by Beneficial's reluctance to assist us, with this transaction. They are the worst.
by Sandi From Orange, MA on August 28, 2007
We have been doing business with Beneficial for over 20 years. We have had a few personal loans and now our mortgage through them.Other than their high interest rates, we were very satisfied. As of the last two years, Beneficial has been the worst bank I have ever dealt with. They have lost a payment, accidentally withdrew money from the wrong account costing us over $400. and have been very unprofessional and unhelpful. If we ever get our present mess taken care of with them and can refinance with someone else, we will NEVER DO BUSINESS WITH BENEFICIAL AGAIN!!!
by Anonymous From Toms River, NJ on August 25, 2007
Service is average with Beneficial. Unfortunately I am at this website, due to lack of cooperation and non-speedy return phone calls in the past.
by Marie From Granby, MA on July 22, 2007
We got behind due to a layoff. They would not work with us - and our payments are too high to pay them, plus the back-amount owed. The hassle us every day and treat us like we are stupid.
by Anonymous From New Paris, IN on April 05, 2007
The initial process was great but once we got behind on our payments cooperation was not what I expected
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IMPORANT NOTICE – PLEASE READ There is no guarantee you will receive a loan modification. Even if you accept this offer and use our service, your lender may not agree to change your loan. Loan Modification approval is dependent on criteria including but not limited to hardship, income, debt ratios. American Foreclosure Specialists is not a Bank, nor a government agency or government affiliate. Our services are not approved by the government or your lender. American Foreclosure Specialists assists in the document preparation, working with and communication with your Mortgage Bank in the attempt to acquire an approved Loan Modification. If you stop paying your mortgage, you could lose your home and damage your credit rating. Loan Modification Plans are dependent upon mortgage company criteria and financial information gathered as part of the efforts of AFS. The information and notices contained on this website are intended as informational and should not be regarded, as financial or legal advice. AFS attempts to ensure that the material contained on the website is accurate and complete at the date first published, however you should recognize that information contained on this website may become out of date over time. Readers who have particular questions regarding real estate law, finance, or who believe they require legal counsel, should seek the advice of a financial advisor or an attorney. Submitting a contact request, gives AFS consent to contact you by telephone and/or email, even if you have previously listed yourself on any state or federal Do-Not-Call List.

subset: commoncrawl


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WASHINGTON - The U.S. attorney's office in Manhattan is conducting a criminal investigation of Goldman Sachs over mortgage securities deals the big Wall Street firm arranged, a knowledgeable person said Thursday.
The person said the probe stems from a criminal referral by the Securities and Exchange Commission. The source spoke on condition of anonymity because the inquiry is in a preliminary phase.
The SEC earlier this month filed civil fraud charges against Goldman and a trader in connection with the transactions in 2006 and 2007. The agency alleged the firm misled investors by failing to tell them the subprime mortgage securities had been chosen with help from a Goldman hedge fund client, Paulson & Co., that was betting the investments would fail. Goldman has denied the charges and said it will contest them in court.
Word of the Justice Department action came a day after a group of 62 House lawmakers, including Judiciary Committee Chairman John Conyers, D-Mich., asked Justice to conduct a criminal probe of Goldman. "On the face of the SEC filing, criminal fraud on a historic scale seems to have occurred in this instance," the lawmakers, mostly Democrats, said in a letter to Attorney General Eric Holder.
SEC spokesman John Nester wouldn't confirm or deny that the agency had made a referral to the Justice Department for a criminal investigation. He declined any comment on the matter, as did Yusill Scribner, a spokeswoman for the U.S. attorney's office in Manhattan.
Goldman spokesman Lucas van Praag said, "Given the recent focus on the firm, we're not surprised by the report of an inquiry. We would cooperate fully with any request for information."
The Wall Street Journal first reported the Justice Department action.
The Justice Department move was the latest in a dramatic series of turns in the Goldman saga, which has pitted the culture of Wall Street against angry lawmakers in an election year, in the wake of the financial crisis that plunged the country into the most severe recession since the Great Depression of the 1930s.
At the Capitol Thursday, following days of failed test votes, the Senate lurched into action on sweeping legislation backed by the Obama administration that would clamp down on Wall Street and the sort of high-risk investments that nearly brought down the economy in 2008.
And two days earlier, a daylong showdown before a Senate investigative panel put Goldman's defense of its conduct in the run-up to the financial crisis on display before indignant lawmakers and a national audience. The panel, which investigated Goldman's activities for 18 months, alleges that the Wall Street powerhouse bet against its clients - and the housing market - by taking short positions on mortgage securities and failed to tell them that the securities it was selling were at very high risk of default.
Goldman CEO Lloyd Blankfein testily told the investigative subcommittee that clients who bought the subprime mortgage securities from the firm in 2006 and 2007 came looking for risk "and that's what they got." Blankfein said the company didn't bet against its clients - and can't survive without their trust. He repeated the company's assertion that it lost $1.2 billion in the residential mortgage meltdown in 2007 and 2008. He also argued that Goldman wasn't making an aggressive negative bet - or short - on the mortgage market's slide.
In addition to the $2 billion so-called collateralized debt obligation that is the focus of the SEC's charges against Goldman, the subcommittee analyzed five other such transactions, totaling around $4.5 billion. All told, they formed a "Goldman Sachs conveyor belt," the panel said, that dumped toxic mortgage securities into the bloodstream of the financial system.
A collateralized debt obligation or CDO is a pool of securities, tied to mortgages or other types of debt, that Wall Street firms packaged and sold to investors at the height of the housing boom. Buyers of CDOs, mostly banks, pension funds and other big investors, made money off the investments if the underlying debt was paid off. But as U.S. homeowners started falling behind on their mortgages and defaulted in droves in 2007, CDO buyers lost billions.
It wasn't immediately known whether the Justice Department's inquiry also encompasses the five other transactions.
The investigation, even though at a preliminary stage, opens a momentous new front in the legal aftermath of the near-meltdown of the financial system.
The Justice Department and the SEC have previously launched wide-ranging investigations of companies across the financial services industry. But a year after the crisis struck, charges haven't yet come in most of the probes. In addition to fallen mortgage lender Countrywide Financial Corp. and bailed-out insurance giant American International Group Inc., the investigations also have targeted government-owned mortgage lenders Fannie Mae and Freddie Mac and crisis casualty Lehman Brothers.
Last August, a federal jury in New York convicted former Credit Suisse broker Eric Butler of conspiracy and securities fraud in connection with a $1 billion subprime mortgage fraud. But the swift acquittal in November of two former Bear Stearns executives in the government's criminal case tied to the financial meltdown showed how tough it can be to prove that investment bank executives committed fraud by lying to investors. The SEC sued the two executives in a civil suit, and that case is still pending.
The government must show that executives were actually committing fraud and not simply doing their best to manage the worst financial crisis in decades, some legal experts say.
The SEC civil fraud case against Goldman also could be difficult and faces pitfalls, in the view of some experts. To prove it, they say, the agency must show that Goldman misled investors or failed to tell them facts that would have affected their financial decisions. The greatest challenge, the experts say, will be boiling the case down to a simple matter of fraud: the issues involved are so complex that Goldman may be able to introduce enough complicating factors to shed some doubt on the SEC's claims.
Political intrigue has surrounded the SEC suit, meanwhile, as some Republicans have accused the agency of timing the April 16 announcement of fraud charges against Goldman to bolster prospects for the financial overhaul legislation while it was at a critical stage in the Senate.
The speculation was heightened by the revelation that the SEC commissioners approved filing of the charges on a 3-2 vote, along party lines, with both Republicans opposing the move.
SEC Chairman Mary Schapiro has insisted there was no connection between the timing of the agency lawsuit, which followed a monthslong investigation of the firm, and the push for the legislation in the Senate. Last week, President Barack Obama denied any White House involvement in the timing of the SEC case.
"We don't time our enforcement actions by the legislative calendar or by anybody else's wishes," Schapiro told a Senate Appropriations subcommittee on Wednesday. "We bring our cases when we have the law and the facts we believe support bringing our cases."
© 2010 The Associated Press. All rights reserved.
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14 Weird, Costumed Halloween Hookup Stories
Serial killers and pregnant Britney: the unsexy costumes that still got us laid.By Maureen O'Connor
Serial killers and pregnant Britney: the unsexy costumes that still got us laid.By Maureen O'Connor
She started with, "hey...have we chatted before?"
You worry about small talk, Spotify playlists, and staining the furniture.By J.L. Scott
It was a nightmare.By Rose Surnow
A week of living like Manti Te'o.By Josh Gondelman
Twelve fitness trends turned into sex acts, 30 minutes a day, two weeks.By C. Maria McMillan
You know the slit in the crotch of Spanx? I tried to have sex through it.By Julieanne Smolinski
"Genital show and tell" with an octogenarian.By Rose Surnow
Death-defying sex beneath midtown's falling crane; ex sex; text sex.By Alyssa Shelasky and Maureen O'Connor
Jobless, she turned to kink for cash— and designer purses and a new computer.By Goddess Nia
On practicing orgasms with a platonic friend.By Rose Surnow
Notes on four years of postcoital prayer.By Anonymous
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For six years, my sex life has been mostly extramarital.By Alex Sears
A Method actress describes orgasm to Naomi Wolf, in an excerpt from Vagina: A New Biography.By Naomi Wolf
In chemotherapy and wearing a wig at 28, I channeled my anger into sex.By Anonymous
I thought women who claimed to have exercise orgasms were lying. Then I got a new pair of running tights and became one.By Anonymous


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|Rancho coed headed to Hashimoto
RPs Sister Cities Commission selects Emily Wood as 2013 student ambassador
The longest trip Emily Wood ever had was to Washington DC when she was in an Exploratory Learning program at Mountain Shadows Middle School. She went back there to attend an environmental seminar sponsored by George Mason University.
Now, as an ambassador with the Rohnert Park Sister Cities program, she'll be flying trans-Pacific to Hashimoto City, Japan, the end of July. It's a longer trip.
Emily, 18 and a 2013 graduate of Rancho Cotate High School, will be going to UC Davis in September to major in environmental science with an emphasis on wildlife protection. At RCHS she garnered more than a few honors, including one of the four valedictorians of the senior class and a listing in the Top 20 students.
The Sister Cities Commission has had more than 30 years working with Hashimoto. The foreign exchange of student ambassadors began in 2003. For this year's choice of a single student, they had a dozen applications for the post, evenly divided between male and female RCHS candidates.
When Emily arrives, she'll be a guest in the home of Kouyuu Shizuka, 46, and his wife Kiyo. He is a Buddhist priest and part of their house is a Buddhist temple. They have hosted several student ambassadors from Rohnert Park in the past.
They have two sons, Masakusa, 16, and Naoki, 11. Masakusa, is a student at Wakayama Chiben High School and a member of the school's varsity basketball team. Naoki is an elementary school student.
The connection here is Masakusa Shizuka is shimoto's student ambassador with the Sister Cities program on the other side of the Pacific.
Both teens will have a busy schedule in the 10 or so days they'll be spending in the Shizuka household.
Emily's been in touch with her soon-to-be host family via e-mail.
"I'm taking an on-line course in conversational Japanese language and I hope my e-mails are at least understandable," she smiled. "I know when I get to Hashimoto it will be total immersion in Japanese and, truthfully, I'm looking forward to this next step."
While Masakusa and Emily are over there, they'll be visiting city dignitaries as well as visitors to the Buddhist temple in their host family's home. She's also an earnest camper and has made many backpacking trips to Yosemite and other California camping trails and sites.
"I don't know if we will have time for outdoor trips," she said. "Judging from trips other student ambassadors have made, the Japanese host families like to present a genuine California teen to as many dignitaries and groups as they possibly can do in the short time we'll be available. We, Masakusa and I, will do our best."
Both student ambassadors will return in early August for more receptions and visits with dignitaries in Rohnert Park. Plans are already being made for them to attend the Aug. 13 RP City Council meeting and be introduced.
There'll be tours around town showing some of the city's highlights to Masakusa for him to bring home later in August.
Emily's parents are divorced, an amiable parting of the ways, for Emily spends time with both her parents and they have room for Masakusa as well in their households.
With a busy schedule in RP, they'll need time to catch up on their sleep.
"I've got to find time for my other pursuits," she added. "I try to get at least 90 minutes of practicing the piano every day, and now I'm also involved in a kick-boxing program at Sonoma Mountain Village. Oh, there's a horse I have available in a stable out near Petaluma Hill Road that's a favorite of mine."
Not much sense to ask Emily what she does in her spare time. She doesn't seem to have any. "Oh, but I do have one advantage already – I love Japanese food."


text:
On Feb 6, 4:30*pm, Ron Hunter
> On 2/6/2010 11:27 AM, Shivashis Saha wrote:
> > Greetings,
> > I am having a strange problem in Thunderbird 3.0. I am using Windows
> > 7, if this information is useful.
> > I am using thunderbird 3.0 to read emails. Occasionally, I also go to
> > the web-browser to read the emails when I am not accessing emails from
> > my laptop, where Thunderbird is configured.
> > I am observing that sometimes, when I try to open a message, with a
> > particular subject, the body of the email is not the one I am looking
> > for. The email has the subject, but the body is from some other email,
> > which may have been received in close proximity.
> > So, my guess is, due to indexing the message body is some how is
> > getting changed. The sad part, those messages whose body are getting
> > changed, I am unable to recover their body.
> > Can anyone help me to fix this problem? If more information is needed
> > to fix it, please let me know.
Thanks for the reply.
If the inbox is corrupted, how do you fix it?
> > Thanks a lot for your time.
> > Thanks,
> > Shivashis
> Yes. Find the Thunderbird profile, and open the folder in a file
> manager. *Find the 'Mail' folder, and open it. *Select the sub-folder
> with the name of your email account, and then open that. *Delete the
> inbox.msf file. *DON'T delete the Inbox (no extender) file!
> Thunderbird will recreate the index when it restarts.
> If that doesn't fix the problem, likely you have a corrupted Inbox file.
> --
> Ron Hunter -- rphun...@charter.net


text:
Jack Parker announced he would retire as head coach of the Boston University hockey team, but his retirement might end in a championship celebration!
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