Your HOF SA was giving you incorrect information. Most HOF diamonds are sold separately from the settings. The HOF loose diamonds are featured as part of their display. The prices for HOF are high, but so are stones from Tiffany's. It depends upon whether you would rather buy a superideal cut diamond online or not. I have both HOF diamonds and ACA diamonds from WF...WF will save you money and you will get a beautiful stone, either way. Although a lot of people on PS use WF, we also recommend Good Old Gold, Crafted By Infinity, James Allen and Engagement Rings Direct [for cushions]. Many of our members have gotten excellent work on settings from WF, I'm sorry that Ame had a bad experience. It's unlike WF not to work with a customer to make things right. HTH.A year ago, my sister-in-law and I shopped for H&A stones for her anniversary upgrade. I was shocked by the price of Hearts On Fire, but they are truly beautiful and sparkley. She's all about H&A, D color, IF/VVS and being able to see the perfect arrows using her idealscope, though once you set the stone, you will not see the hearts. Once set, I can't tell the difference bet. my excellent E VVS1 versus her D VVS1 H&A except hers is a carat larger than mine. What I don't like about Hearts On Fire is that the stones are already set and the SA told us they do not sell loose stone. You will definitely get more for your buck if you opt for GIA excellent cut and not a certified H&A. Most posters at Pricescope will lean towards Whiteflash. My girlfriend received her H&A stone from Whiteflash, and she was absolutely in love with it and the price was much less than HOA. I would recommend that you shop around, bring an idealscope with you (you can buy it cheap on Ebay for less than $25) and test out several loose stones and see for yourself. Pay attention to light return.
ETA: HOF and ACA from WF are graded by the AGS lab. They are the most strict in terms of their grading and I would recommend them over GIA if you are a "cut" person. In general, I would only accept grading from either AGS or GIA. I don't think that there are HOF haters, as much as people who are put off by their prices. Again, compare HOF prices with Tiff's and there isn't much difference.