Ascension Capital

[LimpDisc]

Anyone deal with these people after filing CH7? Both our auto loans are with Capital One and were transferred to Ascension Capital a couple of days after filing. Trying to get some information about what to expect from this company.

Found some information on the forums, but little about posters who decided to retain a vehicle.

Thanks!

[aces67]

We had an auto loan with HSBC that was transferred to Ascension. The only real problem I had with them is when you want answers about something you can't get a hold of anyone. There is only one person that handles your case and only that person can help you. If that person is gone or busy then you have to leave a message. In our case the woman never returned messages.

[mickeyme]

Yes, they seem to have limited info and it took them almost 2 months after discharge to transfer the loan back to Capital One.

[LimpDisc]

Either of you have issues making payments to them?

[seth]

they were okay. i paid by phone, no extra charges. the only problem is getting in touch with a live person. you can leave a message and the call back will be a couple of days. one more thing, when my bk 7 was discharged it was the 17th and my due date was 20th.
so when i tried to pay the 19th by phone, my account was in the limbo between ascension and capitalone. my payment was late after i got a discharge!!!! i ended up mailing the payment to capitalone with a short explanation. it didnt show late on my credit report so i assume they understood the situation.

Good luck to all of us,

seth- not a lawyer or a smart financial manager.

[aces67]

I had no problems with my payments just trouble when I needed something. Like Seth said you can't get a LIVE person.

They don't pay very close attention either. We converted from a 7 to a 13 and then back to a 7. They were notified but paid no attention so when we were discharged we had a few problems straightening it all back out.