Subject: No-interest loan payoff. Set amount was established at the purchase. Monthly payments were automated and never late. Because of a change in mid-loan, the final month payment was not for the full amount. Yet, HMFC debited personal checking for the full amount. They said it would take them 21 days to refund the extra money they should not have taken from personal account. Frustrating when they take more than what they are owed for the final payment and then won't refund the overdraft promptly "because of their internal... read full review »