I have had a personal loan with Beneficial Finance for approximately 4 1/2 years. The loan amount was for $15,000.00. I was paying approximately $300 a month before my divorce. My ex-wife could not afford the $300 a month payment, so she applied for a financial hardship with Beneficial. Beneficial gave my ex-wife the "run around" several times. My ex-wife sent in the necessary documents for the hardship a few times (because Beneficial somehow lost or misplaced the documents), however, Beneficial took their sweet time approving the hardship. When the hardship finally went through, the payment was lowered to approximately $150 a month. This hardship was for 6 months and after the 6 months was up, my ex-wife could apply again. So, here recently she did--she was denied. Now, my ex-wife has not had an increase in pay or won the lottery. Beneficial told her to re-apply in a month---WHAT!!! This is crazy!!! Now in saying all of that, I need to say this, remember me saying that the loan was $15,000 and that amount has been paid on for years now....the balance as of May 2010 is $14,383.45. Ya, do the math. Beneficial is a rip off--the loan is paid down roughly $700 after several years. My next step is the Attorney Generals office. I am looking at having Beneficial Finance investigated.