I called Homecomings Financial and talked with their representative. I had spent a lengthy time on the phone, over 45 minutes and it was to not avail.
He kept repeating the same company line over and over. I was asking for a lowering of my payment or interest rate which is 11% which seem impossible for them to do. I asked to be referred to his supervisor. I spent another 45 minutes of fruitless conversation with the rep who didn't understand the definition of negotiates.
She was no help and basically stated that if had my finances in order and didn't need to lower my rate or payment then I could have my rate lowered or payment reduced.
I then spent another 15 minutes asking to make a complaint which also seem difficult for her to manage. This is a real badly managed company with very poor customer service.
Monetary Loss: $48.