HSBC Mortgage

We have been trying to get a long-term modification for the past two years. We have done everything HSBC has told us to do including falling behind so that we would qualify. Lies! We have submitted every document they have requested over and over again. We have even worked with HUD (who by the way have told us we qualify) and the runaround continues!

My next question will be that in light of the recent news that they took money from AIG, now will they be required to do long term modifications? Why are international banks permitted to own mortgages here in the US but not have to follow the programs here? Still waiting for our modification!

I am writing to share my absolute disgust with HSBC and it's mortgage services. I have a Line of Equity that I pay each month. The President of the USA is making banks provide considerations for people unable to pay their mortgages, but someone like me gets no consideration. In 2009, I erroneously made a late payment. Since then I am unable to make my monthly payments online because of a freeze on the account. I don't even want to use the line at all. I don't even want to remain a customer at this point really. All I want to do is pay electronically, like I do the rest of my bills and the rest of the modern world, and not have HSBC treat me like I am a bad customer or I'm stuck in the 1940's.

They don't even make any sense. A couple of months ago, at the insistence of a customer service rep, I applied for overdraft protection, which later I realized turned out to be another line of credit that they gave me access to use but they won't even let me make electronic payments on my existing line. Does that make any sense? HSBC doesn't mind hitting my credit score by giving me another line of credit but they seem to mind me paying down my debt in a way that's convenient to me - the customer. This is utterly ridiculous! I wish someone can tell me how this makes any sense or is fair to me who has been a customer for almost 15 years! 15 years! With several accounts! Well, it won't be much longer that I will be customer.

Is this company above the law? Three weeks before closing our reverse mortgage, we attempted to print our mortgage information. Our account number did not exist, according to HSBC's website. We printed the information. Fax the information to the reverse mortgage company. How do you expect to close a loan on an account number that is no longer "valid?" HSBC had just cashed March's cashier check on our 7 year account number, and another problem arose. Are we supposed to believe accuracy on our 1099? Do we believe their website? Most consumers do.

How do you write a consumer about a "short sale" on an "Invalid" account number? Did they see our proof? Yes. Have they ignored our proof? Yes. We continue to see nothing being done, but letters of a short sale? Why are other companies held accountable for what they send to the internet, but HSBC remains untouched? We are 65 and 68 year old minority senior citizens, and we have been denied the opportunity given to other to enjoy retirement. We get to pay HSBC, until we decide to sell our home, and then who knows what the payoff will be? Laws have been written and executed, concerning internet fraud, scams, and deceit. We caught the error, before money was disbursed, and now our hands are spanked.

What happened to other seniors who did not have computers and printers? We hope we were the only ones. Our consequences are that we continue to be harassed with letters and threats of "short sale, continue to pay on an account number said to be "invalid", and accept tax documents that might, or might not be accurate, because after all, the internet said our mortgage account did not exist. How do you write letters of harassment and threats to senior citizens, who had 3 weeks before finalizing a reverse mortgage? When did HSBC receive the go they could go beyond internet law?

This is a continuation of a complaint with HSBC, and our Constitutional Right to do a reverse mortgage. We followed the Federal requirements for a reverse mortgage. When we went to the internet to review our information before closing, we saw "an invalid account, no notice". We notified the other mortgage company of the problem. We faxed a copy of what appeared on the internet. We did receive (2) written explanations from HSBC, after time had lapsed for the reverse mortgage. The first statement said "we still have the same account number, and the second, months later", we do not know what happened to our website, and more about default. We continued to pay our mortgage, and make a notation of "an old account number on our cashier check, because we do not want to lose our home".

The remark about "default," did not ring a bell, until recently. We have received numerous letters concerning a "short pay". Was it possible that the internet account of an "invalid account number" was correct, but the homeowner was unaware? We feel we did everything we could in order to do a reverse mortgage. Our home is an important part of our retirement. We reported a discrepancy. We have had that account no. for more than seven (7) years, now all of a sudden it became "invalid".

We caught a major error before printing a reverse mortgage check on an "invalid account number on our behalf. Our problem was that our cashier checks always had our account number, and to find it "invalid" creates a problem with taxes and our reverse mortgage. How many accounts did we have with HSBC? Were we to sign federal documents when we had documents in question, of an account change for our reverse mortgage? Does HSBC owe us monetary compensation for their website?

In 2005 HSBC became the third service company on my mortgage. In 2007 I tried to refinance to get away from the arm only to be turned down for no reason. In 2009 when the economy crashed, I lost 50% of my income and tried to work something out with them only to be lied to and misled on what to do. After 18 months of getting nowhere, they stole my house and left out in the cold. My income came back and it was never enough for them.

Horrid! They are making our lives a living hell! We closed late with them in 2007 and they told us that they would send our closing documents. I called and called but they never had. I have no record of it whatsoever. My husband lost his job in September 2010 and it took 10 weeks to get employment. We got back pay and they said that they would do a 6-month modification if we sent in $1400.00. We did and they continued to say that we didn't send the right stuff. For a year now, I have begged for a modification as my husband is now working though for less. They point blank told me "We don't have to help you, we, HSBC did not get help from the Government".

I have 4 kids, the youngest has special needs, we have extra expenses with that, and all the therapies and neurologists, etcetera. We are losing our home and HSBC could care less! We did our part. My kids are emotionally traumatized. This is where we have raised them and now we have to move right after Christmas. I hope the corporate slug burn in hell for their criminal, greedy ways. Really? Instead of working with us, they will end up letting this home sit and rot. Since we financed with HSBC, we have put everything possible new inside and out in this home. I'm sick and I feel like running.

The mortgage interest too high. I also got roped into a revolving line instead of refinancing as a "temporary" 20k loan to add porch addition to my home. I was quoted an interest rate in the middle of my 1st and 2nd mortgage (about 12 %, I don't remember my loan papers stating a % rate and when I asked for a copy HFC sent me one but the signature does not look like mine). After the porch was built, HFC was supposed to reappraise and increase value so I would have enough to refinance/combine 1st mortgage (10%) and second mortgage (14%) at a lower interest rate and use the equity to pay off revolving loan. This was supposed to be over a 2-3 month period.

However, their appraiser shorted the value by 12k so I would not have enough to to what I intended. Only left 5k in equity to apply to revolving account at 22.5% interest! Now I am stuck with this stupid high interest account that they give me a modification $225.50/mo at 6% in 6 month increments, then they stopped the modification after 6 months. I have to resend all my proof of income (salary), cost of living, etc. In the meantime, they charge me $472 interest + late fees as the payment reverts back to the original agreement $451/mo at 22.5% with the statement that they may/may not approve the modification. They offered me a payoff of 12- 25k if I paid it off in 6 months. Even if they agreed to the 12.5 k, that's $2000/mo. They have ** my credit so bad I can't get a better loan.

I would like to be a member of a class action suit against HFC HSBC for predatory lending. Is there anyone else? I have no money for representation.

When the economy began to fail, my position at work changed and so did my salary and then I became unemployed. We were struggling and trying to get HSBC to work with us to no prevail. Hired a company to assist us in trying to get a permanent loan modification so we could remain in our home of 17 years. Once again, HSBC would not work with us at all. When asked why we qualified under the federal guidelines but not theirs, their answer was that they did not receive assistance from the federal government and therefore did not have to follow their guidelines.

We have now given up our home and moved from Florida back to Michigan to family. The house is gone as deed in lieu of foreclosure. They got a beautiful home that just had approximately $60k in work done two years prior due to a storm including a new roof. Basically, all inside had to be gutted and redone. We just lost all around.

In 2001, I purchased a home. I put $50,000.00 down. The loan was sold to HSBC Mortgage. The loan was in my wife's name because her credit was better. In August 2006, we divorced and I was awarded the house and the children. I modified the loan in 2008. In 2009 my ex passed away. I notified them of her passing and wanted to get the house in my name. HSBC said that they would send the paper work, which I never received. On February 1, 2010, I sent $3600.00 for the last three months. In March they called my step-son and told him that I had not made a payment in 4 months.

I received the check for $3600 back but it was in my ex-wife's name and I could not cash it three different times. Every rep that I talked to at HSBC told me something different or a different amount. I hired a lawyer and HSBC said that they did not have to talk to me or my attorney because my name was not on the note. I tried to refinance the home and everyone said the same thing: the loan was in her name and that they could not help me. HSBC served me with foreclosure papers and the attorney has done a great job.

We went to mediation and HSBC said that they had found the modification papers and that I was on the loan papers. HSBC said, "Oh, our mistake and we will refi the house if you qualify." I am out about $60k in legal fees. HSBC has violated many laws, I have found out. I don't know if we will ever get this to court in April of 2012. They have lied to me and my attorney. They have lied to a judge and I am not sure if they are not just too big to fight.

They refuse to stop phoning and harassing me even though I demand their phone calls stopped as allowed by law. They will phone up to 6 times a day starting at 8:15 AM. Many times when I answer, no one will respond.

To posters here, I was in some of the same financial situations back in 2007 and just got relief last year through NACA. There were no fees associated for NACA to work on my behalf to get me a mortgage payment that is affordable. I did not know where to turn after trying to work with HSBC. They rather we lose our home than try to work with us. Visit NACA.com and you will get the much needed help that you deserve.

The matter stems from a mortgage modification issue where a hardship existed. I was told by HSBC, the servicer, I was eligible for Obama's HAMP Program. After 2 years of submitting the same documentation and over 14 court appearances for supposed "mediation hearings" (in Philadelphia), I was finally granted a temporary modification, to which I strictly adhered. But I was denied a permanent modification based upon the same numbers I submitted to calculate the temporary modification. My attorney requested, through HSBC's attorneys, a screenshot of the numbers HSBC actually has. They refused to provide such, indicating the information is "proprietary". In the interim, HSBC calls me 4 times per day requesting $40,000.

When California's govenor took 14% of the state employees' pay to balance the budget, I called HSBC to get on the Obama plan. Arrangements were made, and my payments would be reduced to $279.00 a month. I was told this change was based on the Obama Plan, and my payments would be this amount for the next six months. I would be re-evaluated, and my payments would continue if I made my payments on time. I paid on time and managed to pay more than the $279.00 agreed on ($300.00) After the six months, HSBC raised my payments to nearly 500.00 ($480.00 I think). I told them I could not pay that amount and why so much. Their reply was that the interest rate went up. I was also told at a different time the interest rate for Adjustable Loans is 10%, and that is what they are charging me. What can I do to get fair and honest treatment from HSBC?

I asked to speak with someone in the U.S., and could not get anyone. I was on the line with them for over 30 minutes before I hung up in exasperation. I was connected to a representative three times during that call, and each time, the person was abroad and each one told me she could only transfer me back to the menu with no guarantee of speaking to someone within the U.S. I have had this problem many times with HSBC and decided to persist this time to see what happens. When I email them about it, I just get general responses telling me how to use that number, never addressing my complaint. I have kept the emails.

My 80-year-old mother and I are attempting to stay in this home. Since 2007, after being laid off, I have been attempting to work with HSBC Mortgage Services for a permanent modification. I was told to get a temporary modification, I was then told after three temporary modifications, I would get a permanent modification. Then, I was told to keep applying for temporary modifications. I was later told that HSBC never provides permanent modifications. I was ultimately denied a temporary modification. I kept calling to find out the status of the request then the customer service said that I was denied, and should find affordable housing since the new payment was $1600, which she said was not affordable.

HSBC sent notification that they had overlooked notifying me of the denial for modification. Collection stated that I would get nowhere working with HUD counseling. I would not get a modification and repeatedly and forcefully attempted to get me to agree to short sale. HUD certified representative was not very interested in helping since it's not hopeful. I had to politely insist for help or guidance. If foreclosed, my mother and I will be looking for low-income housing.

I have spent over two years trying to get a permanent modification which they could do and yet I find that they have not been able to do since 2008 or 2009.

HSBC is my mortgage servicing company. I applied for a mortgage modification in 2009 and since that time, they have been stringing me along every six months; just long enough to get me in trouble. I found out that they have not and would not give a permanent modification since 2009. I have been making interest only until they do modification.

In August, I got a letter saying that there would be no increase until the review in February 2012. Two weeks ago, I got a letter saying that they made a mistake. I contested it and did all they asked me to do. I got a letter yesterday saying that my new payment would be more than $1900 a month for 30 years. Please help.

My husband called to see if they got our payment. They said they were recording our call. He told them that he was doing the same. Then they said it was against the law for him to do that, and that they would not talk to him. All he wanted was payment confirmation and to make sure they were not going to tack on more fees.

He ended the conversation. In the state of Ohio, it is legal as long as you tell them.

I have had lots of difficulties with HSBC, and share some that have been expressed on this website. At this point if they can't help me out with an affordable solution I will just be here until they foreclose. I cannot pay a $2,200 payment on a house, I purchase for $205 that is now worth $165k. I am no longer interested in a modification to save me a couple hundred dollars for a few months that only digs me a bigger hole in the end. I need a reasonable payment for the long term, what's the hard part. Never again. I wish that 8 years ago I had been given a different mortgage company and I would not have been in this situation now.

I will start my description that HSBC mortgage is a horrible company. I requested a loan modification 6 months ago, and they were telling me that it will take 3 weeks to get done. But nothing got done. They will request my income verification and I will send them immediately and I will follow up with them if they received them and they confirm that they do. I will call three days later and they will tell me that they haven't received any paper work from me. I will hang up and redial the same number and another person will answer and say that they are working on my loan modification. After a day, someone will call me saying, "listen, we haven't received the paper work that we asked you therefore, no loan modification for you". I started faxing these documents every day and each time I give them a call to confirm that they received it. Now, this has being going on for 6 months and they are difficult people to deal with. The other factor is that I love my house and had had it remodeled recently spending $60,000. The house lost value, about 38% down. What should I do? I can not continue payment that they asking?

I had contacted them twice about the loan they have on my mother's house. They hung up in my face. I think it is predatory lending. The loan amount was 57,274.32 at 11.99 percent finance charge (154,654.08). Total payment of 211,928.40, deferred interest of over 15,000 now.

I do not understand how they are getting away with this.

I am trying to refinance my mortgage with HSBC. The appraiser from HSBC came to my house and reported to the HSBC's underwriter that I have window bar (security bar on ground floor), which caused a security concern in HSBC's perspective. To my understanding, my window bar has nothing to do to with violation of any building department code because there are other methods of escape in the event of fire. However, HSBC's underwriter demanded that I need to remove the window bar for security reason without any further clarification, and it is HSBC internal policies not to allow any window bar installed.

To me, this is unacceptable. I installed the windows bar solely for security reason, and HSBC tells me to remove it for security reason? Will HSBC guarantee my loss in the event of robbery in my house after the window bars are removed? Lastly, the silly thing is that HSBC said to me, "You can remove the window bars now so then I can process your refinance contract--afterwards, you can put it back." It seems to me that even HSBC employees were not convinced that removing the window bar is secure for my house.

Attempted to refinance with The HARP program but was refused because my mortgage is with HSBC. They are not backed by Freddie or Fannie, so you must deal with HSBC only. They offer no help to the consumer and just state they are not refinancing any mortgages. The loans are sold between these banks any the consumers are the ones that are suffering. We have no knowledge of who is backed by Freddie or Fannie. Something must be done to help all who wants to stay in there homes. Thank you.

I had been granted a 6-month short term modification after my mother's illness and subsequent passing created significant financial burden on my family. After the 6 months of paying timely, I submitted the required paperwork to request the permanent modification, whereby I was told my modification was a mistake and they would not be reinstated.

This happened in 2009-2010 and I have continued to pursue assistance from them as the $50,000+ debt I absorbed with my mother's illness is still being repaid. Of course, during this time my husband's hours were reduced and we had less income to support the excessively high debt and mortgage payments.

I was informed by the loss mitigation team, and this is verbatim, "My mother's illness or death was not their fault and my inability to manage money created this issue". This lovely individual went on to inform me that Obama says I can afford my mortgage, to which I simply replied, "Then please ask him to come to my home as I try to pay these bills with a significant deficit and 170,000 in negative equity."

She hung up on me after that comment. I continued to send over 211 pages of documents to them that they requested and, somehow could never seem to find even though I had fax confirmations. I honestly do not know where to go with this organization, but considering my house is worth 54% less than it was 3 years ago, which does not afford me an opportunity to refinance.

Additionally, I have reviewed my closing papers and have found significant discrepancies in the margin % for the ARM (which adjusts in January 2012). Once that occurs, I will certainly be in foreclosure. I have tried everything they have asked of me and still I am denied.

I need some direction as I also paid a "home modification" company to assist, who graciously took $400 and never provided any service at all. I do not wish to get involved with any other scam artists preying on innocent homeowners but I am at the end of my rope with this situation.

Please provide some direction.

We have been trying to get a loan modification from this company for almost four years. All they will do is put us on a repayment plan that makes the payments higher and continually report to the credit bureaus that we are delinquent.

We are 67 and 63 years old have had our home for 17 years and now we will lose it. I am on disability and we have a son and two grandsons living with us who cannot find jobs. Without our home, they would be homeless.

I have a mortgage with them. I became unemployed in October 2006 and I called them for a loan modification. They have given me a temporary loan modification and since then every 6 months, I have never been late and I always paid the amount they required. Every time I sent documents to renew the modification, I requested a permanent modification but they would not. I have repeatedly ask for statement of my accounts so that I can see what has been added to my balance, and show what has been paid to principal, and what has gone to interest. One time, they sent a statement that was not readable unless you worked for them, or maybe not at all.

Now four years later, they are refusing to renew my modifications. They do lending by false documentation and lies. Many people are in the same mess with them as myself. Please help us stop them from taking our homes.

Our original mortgage was bought out several years ago by Beneficial. We didn't pay a lot of attention to our statements, expecting our agreement to continue as ith ad with the previous company. We began to notice that the amount applied to principal changed every month, with many months being "0". I called to question this practice, and was told that I had not made a payment last month, so nothing was applied. I argued with "Rick" (no last name, of course, and, he didn't speak English well, so who knows from where he answered) that I had made a payment, giving him the check number and date it was written. He then told me that if the payment wasn't made within 30 days from the last payment, we were charged interest.

I asked then about other "0" amounts, and found out that when a payment isn't made wthin 30 days of the last payment, I am charged interest and that the payment isn't big enough to cover the interest from the late payment and the current payment. My payment is almost always there before the due date, but apparently that isn't the date used to determine if its late or on time, the date of your last payment is used. That is stealing and is wrong. We have been paying on our mortgate for almost 10 years, and have only reduced our mortgage about $26,000. At this rate we will never pay off our house and we plan to re-finance our home as soon as possible - what a bunch of crooks!!

I had fallen behind in my mortgage payments due to health issues, tax issues, emergency home repairs (A/C). I'm not accurate on the dates but it started about a year ago. I was contacted by HSBC and told how I was going to make my payments. He asked what days of the month would be best, and I explained that I couldn't be sure, and that I would make the payments as I was able to collect the funds. He insisted that I give him days, so I tried my best to do so. But knowing that it may not always work as other payments, etc., were also coming directly from my account. He then spoke of a six-month plan based on my other monthly obligations.

I explained that I had little of that information in my head, but attempted to give costs of fuel for my car and my wife's, utilities, etc. He did not want to know about car payments or other bills. He explained that I made enough money to make the payment so he couldn't help with the lowering of the payment. I got screwed from the get-go with HSBC, but now, like some others, I have been making some payments and slowly catching up. I spoke with the representative today, and was told I would need to provide a certified check for each payment from now on until November. My question is, what if I don't and just send a check? I would love to tell them to take the mortgage and shove it up their **. They are the worst of predators -- the scum-sucking sludges of the mortgage world. I would like to say what I really think.

I was behind on payments for a few months, due to lay off at work. I wrote them and called them (HBSC). No response, took me to court, put lien on my house ($6000.00). Turned it over to attorney who wrote me and said to write not call. I wrote two letters trying to arrange payment, no response, sent two faxes trying to make payments since things had turned around, no response. I am making payments, hired attorneys, will never deal with HBSC again

On September 23, 2010 our beautiful home in Harrisburg, PA burned almost completely to the ground. As our mortgage company, your insurance department was immediately notified of the loss. Subsequently, our very thorough and up-to-date homeowner's insurance company, NGM Insurance, estimated the damages to be $285,023.05. They issued a check for 75% of this amount or $241,428.01 (#**) on January 27, 2011 made payable to both HSBC Mortgage Services and me. The check was overnighted (FedEx Air bill #**) to your loss draft department. Today is Sunday, April 24, 2011 and we have still not been issued one dollar of these monies in order to proceed with the rebuilding of our home.

We have written, faxed and called your loss draft department regarding procedure and protocol more than a dozen times. Having experienced this traumatic loss now for more than seven months, we are more than familiar with the verification and documentation process and have submitted and resubmitted more than 100 pages of documents and approvals, following very carefully the numerous and inconsistent instructions and directions that your more than 10 different customer service representatives had given us. Each and every time we call, we are connected with another, inexperienced, customer service representative and each one has a varying perspective on the rules and regulations regarding the distribution of the monies from the check.

In the meantime, our home builder, which was subcontracted by me as I am named the general contractor on the account and I am purchasing much of the construction material myself with my own funds, has not been paid the first draw and is nearly halfway through the building process. The second draw is due now and we have requested a home inspection to take place so he can move forward and attempt to finish by the deadline, July 31, 2011. Additionally, no one has responded to our request for inspection.

Exactly three weeks ago, on April 4, 2011, your department claims a check was issued to Yingst Homes (in the amount of Yingst's first draw, $67,701.50) and to me, the general contractor, in the amount of $11,877.50 for the purchase of our kitchen cabinetry at Home Depot. All the necessary documents had been faxed and verified by your processing department as received. Not only did we never receive these checks, which another one of your representatives claimed were mailed a week later when my husband phoned in to check the status, but now, after three weeks, another of your staff has also stated that no check was mailed to me in the amount of $11,877.50 and $72,428.40 (for the first draw to Yingst Homes) was sent to a random address (wrong house, wrong zip code) which we never gave you.

As of Friday, HSBC employee, Darnell (no last name but calling at 866-567-4029, ext. **) is saying we will not be reimbursed for any of our expenses as general contractor until the end of the project. He also said that he is unable to resend the initial payment to Yingst Homes until at least Tuesday, April 26, 2011. This is unacceptable. We are attempting to be the steward of these funds by conducting almost all of the footwork on product purchase and negotiation ourselves in order to facilitate the finest reconstruction for the amount decided by NGM. This is the reason is why, upon the suggestion of Maya in your customer service department, I made myself General Contractor. She said if I did, we would be reimbursed immediately for any out-of-pocket expenses as long as I faxed a receipt indicating we had paid for products and services. In fact, she said it would be issued within three business days of receiving those receipts! This is only one example of the conflicting and inconsistent information members of your loss draft staff have been given.

We are out of our home for almost eight months. HSBC has had $241,000 of our rebuild money since January, 2011 (it is May, 2011 as of writing this) and we have continued to make timely weekly payments on a mortgage on a home that was burned to the ground! These folks have flat out lied to our faces about checks being cut, addresses they were mailed to and correspondence received.

Back in September of 2010, I put a stop payment on an electronic check for my mortgage. I called HSBC to let them know that and I reinstated 3 days later. I sent the new payment in 3 days later. The following week, I received a call stating that my payment had not been received and that my bank account was closed. I assured them that my account was not closed, has never been closed and has been open for over 10 years to no avail. I argued the fact, but they would not resubmit the payment. I had to send them a cashier's check and was charged late fees on top of that. I was then told I could not make online payments for a period of 6 months and I would have to pay by cashier's checks that are costly and very inconvenient for me to get.

I proceeded to pay via cashier's checks for a period of 6 months. I was told by HSBC that as of March 29th, 2011, I could now make online payments. On April 6th, 2011, I made an online payment for my mortgage account. I received a call 3 days later stating that the payment had been returned due to account closed. I told them that the account has never been closed and they had made a mistake. They asked me to have the bank fax them a letter stating the account number and that the account was active. I did that on April 11th and I called HSBC on the 12th of April to see if they had received the letter. They had!

On the 11th of April, I made a payment by phone per one of the customer service reps. They assured me that the payment would go through as they were getting the letter. I received a letter in the mail on the 15th of April, stating that the payment had been returned due to the account being closed. I called HSBC and spoke to 3 different people in regards to the situation. They then told me they would have a supervisor call me within 48 hours; a Mr. Nick **, I'm not sure of the last name. He has never called as of this date. I called my bank twice and they stated that they had received no electronic request transfers for payment from HSBC! A customer service rep by the name of Jed called me back from HSBC and stated they needed another letter from the bank with the routing number, account number, etc. I asked the bank to do that and they faxed the next day.

On Friday the 15th of April, I received a letter from HSBC stating that I needed to request a form from them to reinstate my EZ pay account. I have never had an EZ pay account, I make payments online at a one time set per month. I was also informed in the letter that I would have to make other arrangements to make my payment as they would not accept payment from my bank. I informed HSBC several times during discussion that I was not going to pay any late fees, return fees, etc. They agreed, but I have nothing in writing. I am sending them a check today from another account for the April payment. I have spoke to these people for hours on the phone, you cannot talk to anyone in authority, no one calls you back, they do not hesitate to call and try and collect over the phone, and call several times to the point of harassment.

I want to make my payments on time and they are doing all they can to prevent me from doing so. My bank account has never been closed and HSBC is basically looking at their computer system and seeing that a statement was made that my account was closed and refusing to fix their error. They are impossible to deal with and their service is ridiculous, along with their outrageous interest, etc. I would like to be able to make my payments online without hassle and **.

Local servicing offices closed a few years back. Company does not assist in negotiating mortgage interest rates when having financial difficulty. They prefer to arrange a short sale rather than modify the loan.

I am trying to cooperate and make partial payments. Payments remain unapplied and late charges continue to be tacked on. I am in jeopardy of losing my apartment.

I was horrified to receive a notice that I am being charged for interest accrued even though I was informed by an HSBC representative that if I deliver the full payment by the statement due date, I would not be charged for interest accrued over the promotional period. In mid February, I called customer service after noticing that the promotional period due date did not match the statement due date. As you will notice upon inspection, my payment in full was received February 7, 2011, the statement due date. I waited until the statement due date (which I was informed was ok by the HSBC rep) to transfer money from another CC account to pay this. Upon calling in February, if I was informed that January 28th was my only option, I would have arranged to make the payment then.

Shame on me that I did not take the name of the representative that informed me that I would not be penalized if I paid my payment by 2/7/11. Also, shame on me if I did not record the conversation! Maybe HSBC did. If so, please review my past discussion with your representative.

If there is no resolution to this matter, shame on HSBC and/or its representative for pulling what appears to be a dirty scam on a customer through deception. Considering the tough financial climate we are all dealing with, let alone my personal financial challenges. It is amazing to me that I am being put through this stressful situation through these actions by HSBC.

In closing, I would hope the powers that be at HSBC will understand my position and resolve this matter by considering the actions taken by me to pay what was due to HSBC in good faith in the time-frame I was told was adequate.

I believe that I am being charged too much for interest. I called this company on the week of March 9, 2011 to check my new balance after mailing a check of $233.00 which they received by March 4. My new balance was $10,582.00. I then checked on my pay-off amount and it was 10,853.09. I didn't think they charged penalties for pay-offs. Anyway, this would be my pay-off if made by March 24, 2011. I could not make a pay-off amount so I mailed a check for $9,600.00 on March 12, 2011 which they received on March 14, 2011.

Now they are telling me that I owe them $1,187.12. I took the new balance mentioned which is $10,582.00. This is what they told me after receiving my first payment of $233.00 and then to subtract the other amount I sent amounting to $9,600.00 then I get $982.00 as my new balance. But they have tacked on another $204.51. I made two payments to this company this month: on March 1, I mailed $233.00 and then on March 12, I mailed $9,600.00. Both of which they received before March 24 which is the date when the pay-off amount was due. They should have taken the quoted new balance amount to be $10,582.00 but they tacked on another month of interest and then deducted the $9,600.00.

I do not believe this company is reputable. Through my problems, I am trying to get out of debt. I never want to do business with this company again once I get out from them. Even as I went back to school last year and I was not able to continue my job because I had a back surgery, I made payments the best that I could. I did get behind but with an interest of 24% which it is like being in a dark pit. They don't really offer any ways to help you either. What this company is doing is unfair. I think their practices should be investigated.

They have been told not to touch my taxes but they pay some of them anyhow, which adds interest and penalty to my loan. I'm tired of this company, I'm ready to sell so I don't have to deal with them anymore. Also I had a flood and the insurance company sent HSBC the check, which they would not release until I did the work and until they sent their people out to see if the work would pass. Well I don't have the money to do it. I thought that is what insurance money is for. HSBC never released the money, they still have it. I'm sick of this.

After falling behind in my house payments due to my husband's cancer, I was able to catch up after his death with life insurance benefits. But ever since then I keep getting charged with all sorts of fees including forced placed insurance when I have insurance already. But because the loan is in my ex-husband's name and not mine, they refuse to accept it; although they have in the past. They also do not recognize the quit claim deed filed in the courthouse.

I've been dealing with this company for my mortgage for two years, and I cannot comprehend how they can be this inept. HSBC has four, yes, four separate mortgage companies, yet they are all named HSBC publicly which means if you want to make a payment or contact the company, and you don't have your mortgage information on you at the time, you have to wade through website after website, or 800# after 800#, trying to find out which one is your actual lender.

Again, this is incredibly confusing because they all call themselves HSBC.Yet, they're independent companies. What the **!? Dear HSBC executives: Customer service rule #1.Make it easy for your customer to find you. Speaking of websites, what 4 year-old is designing yours? Making a payment is so incredibly difficult, and the menu navigation is so non-intuitive, I feel like carrier pigeon would get my payment to you faster. I'm selling my property in December, and I will never use this bank again.

I received a threatening phone call from collections department of HSBC. They said I owed them a payment. I was actually sitting near a computer so I pulled up my bank account. I send my payments via cashier's check that I originate from my bank. I informed the person that all my payments to them cleared and he demanded I fax him my bank statement. I said that I had no proof that he was actually a HSBC staff person and I did not feel comfortable sending a fax with such private info as account number to a fax number I couldn't verify. He got rather surly with me but I told him I would call back from the number I had on file for HSBC.

It turned out that my Sept check which was sent to them was never cashed. My bank verified the date it cleared the check number and confirmed it was sent. October payment was received and cashed. I sent it to the address on my statement but my bank told me it HSBC wants all their payments routed to an address in Maryland. Is it my fault when I paid in good faith to the address they provided me and they lost my check and have the gall to charge me late fees? I always send more than the minimum payment as well.

I had lost my job, so we were on a temporary loan modification for 6 months so that we could get locked in for 18 months. We made 5 months worth of payments on time, and in full. We called to make the 6th payment and were told not to make it, because they were processing the 18-month loan mod. We were told to call back in the beginning of December to see what our modification would be. We called back, and were told that we were 8 months behind on our loan payments. They told us we had broken our payment arrangement, and now had to come up with the full amount. We were then told by an HSBC rep that loan mods don't really help, and that he was not responsible for the advice the other rep had given us to not pay our loan payment.

We were told we had until the end of December to come up with $3400.00 to get us out of mitigation. We were served a notice of foreclosure on December 23. We called to ask what was going on and were informed that the person who was handling our case was on vacation, and would get back to us when he got back. By the time we got a response from someone at HSBC, we were told that we were only 124 days delinquent! That was 2 days before our court date. We were given 6 months to try to reconcile the situation. We called back to HSBC and were told we were still 8 months behind!

They wanted us to come up with $18,000, which they "generously" cut down to $9000, to keep us out of foreclosure. Our house payment, if we would have been able to come up with this, would have been $2000 a month on a $40,0000 house. Basically, we had to get out, and HSBC bought the house back from themselves. We were in our home 7 years, and still owed the entire principle, plus interest. Our rates went from 9% to 14% between October of 2005 and January of 2006. Our note says it can't be moved more than 1% every cycle. Our last change occurred October 2009, and they lowered it from 12% to 10%. It's illegal according to the note we signed. There were also fees that HSBC could not explain, but were still going to charge us.

HSBC granted me a loan modification trial in July of this year. The agreement stipulated I make 2 successive payments of $1339.45 due by 8/8 and 9/7. I sent my 1st payment on 7/31 and my 2nd payment on 8/31. I had no problem with my 1st payment. On Sept 15, I received a letter stating my 2nd payment was late and they wanted $7800 by Oct 10.

When I called HSBC, an associate told me there was nothing they could do, and they would put my home into foreclosure if i didn't come up with the money. I called back the next day, very upset. A different associate told me to fax a letter to the hardship department, explaining what happened, and to call back in 5 days. I did fax a letter, and called 5 days later, only to have a different associate tell me to send my October payment in and not be late. On Sept 30, I sent $1339.45 via UPS Next Day Air to 2929 Walden Ave Depew, NY 14043; the letter was received on Friday, Oct 1.

On Tuesday Oct 5, the funds were still in my checking account,so I called HSBC again and a different associate told me that my letter was denied by the hardship department and HSBC now wanted almost $10,000, and my check was being returned to me. Not believing what I was hearing, the associate in a very arrogant and condescending tone told me to borrow the money from friends or family. When I said that wasn't possible, she said there was nothing else she could do. I asked her if I could speak to a manager in the hardship department or to someone in charge, but she said no. I called back a little while later still in shock that my home was being threatened to go into foreclosure, yet another associate told me to reapply for the hardship, fax in the information and call back in 10 days.

That night I found the telephone number for the office in Depew NY. On Fri Oct 8, I called the HSBC office in Depew NY. I was told by a lady who refused to give me her name that they can be very lax at times to process payments that come into their office, and the time frame for my Sept payment was around Labor Day weekend, and she knew that some payments that came into that office on Friday, Sept 3, or Saturday, Sept 4,were not being processed till Tuesday, Wednesday or Thursday of the following week. She would not give me her name when I asked again, but did suggest that I contact Consumer Affairs or the Justice Dept. When I called HSBC again and told them I would supply documentation to prove the money was in my checking acct in the beginning of Sept, they didn't want to hear it.

So now they send my October payment back. I feel like I am being set up to have my home taken from me. I have been in my home for 21 years and have every intention of paying my obligation, but I just needed some help during these hard economic times. I feel HSBC wants to throw me out. I did reapply for the hardship, I faxed all the paperwork in, yesterday Oct 9. If they refuse me, now I will fall further behind.

I had an armed loan with HFC, their sister company. My loan went up and up. I filed bankruptcy and never reinstated with them. I just kept paying my note. HSBC purchased my note. After the payment went up again, I call out them to see about refinancing. I told them after them treating me to sue me for the difference, I never reinstated with them and they cannot due nothing to me.

HSBC refinanced me on the spot with a bankruptcy and not making enough money. I call this predatory lending. They said one of their appraiser will come out to appraise the house. This person appraised the house for 3 bedrooms, finished basement and garage at **. I have 1 bedroom, not finished basement and the garage is on my other property, which has nothing to do with the one the want to refinance. Their sister co. HFC was aware of this.

I am 64 years old and a legal resident alien since 1966. There are some things I don't understand. I live in this old 1940 build house which was a HUD home when I purchased it. No HSBC Mortage services like to steal my house, talking about shortsale, etc. I need help.

HSBC double paid our homeowners insurance and we paid HSBC back the one overpayment ($1339.00 annual. We have copy of cashed check) since April 2010. They have called me six times and were told each time that this was paid. Even went step by step. Yet, they refuse to send me a letter acknowledging payment and still call and send letters to ask for the "shortage" that does not exist. I have become very stressed and fearful of the damage they may be doing falsely to my credit rating. I have become afraid to answer my phone.

I believe that I have been purposefully misled by mortgage and finance representatives of HBSC Mortgage USA into a financial commitment that would result in the possible foreclosure of my home or extended loan repayments at a higher APR rate than was promised. Based on the information they provided me , the loan representative led me to believe that after two years of loan repayment at a set APR rate, I would be able to refinance my loan to a lower rate. Since I already had three loans with this company (a home equity loan, mortgage loan, and a vehicle loan) and I was current with my payments, I asked the company for a modification or consolidation of home equity and mortgage loans to take advantage of a lower rate.

The HBSC representative said that they could not comply with my request but that their six month Hardship Modification Program was similar to what I was requesting. I was told that I would make timely payments at a rate that fit my budget during the time period based on their acceptance of my hardship description. The representative assured me that I would be automatically renewed every six months as long as I provided them with information showing my hardship.

After two years in this program, the rep told me that I would be eligible for a lower overall payment. I understood that I would be paying for an extended loan period, but the lower payment was what I was seeking. I complied with the terms for one and a half years as I was lead to understand them. I made the assigned payments on time and in June 2010, I sent them the information showing that my hardship conditions had not changed just as I had the previous six months.

Now as of September 2010, I was told that my six months hardship was over back in July 2010! HBSC had taken me out of their program, set my loan payment back to the amount before my enrollment into the program. HBSC did this without notifying me and waited two months before sending me a statement showing me the changes. That is when I was informed that I was two payments behind and my home would be going into foreclosure! Based upon their guidance, I have committed a great deal of money and time into my home (remodeling and making accommodations to provide care for my elderly mother) and now it seems that I was duped into making a bad financial decision by HBSC that could lead me to lose my home. Had I known, I would have definitely not made this commitment. I would not have invested so deeply based on a lie. I desperately need help in getting back on track before it becomes too late.

I lost my job last summer 2009, Called HSBC to ask for help, I was put on a forbearance program with a lower payment, submitted all paperwork as per their request by the due date. Received letter in mail six month's later "You did it" you made the Trial Modification make your new payments for three months on-time and you will be put in a permanent Modification. made all my payments on-time and called every month to follow up on my account status.Every time I called I was told everything looks good.

July 30th, I received a letter stating, "You are advised that your recent request for a modification of your existing mortgage loan has been declined. The decision to deny your request for a loan modification is based on our inability to create an affordable payment equal to 31% we gross $2545 and our normal mortgage payment is $945.88 ( we purchased home in 2007)also its a Fannie Mae loan.

When I called and asked what this meant, the agent said, "Oh you were declined for a in house modification we have other programs like HAMP." I just started the trial in June of 2010 and already have been declined something doesn't add up! But yet I was to continue making my trial payments. Saved all names and agent numbers of people who I spoke with.

My trial ends in August of 2010 and I was supposed to send more documents again by September 2 to process my permanent modification. Sent documents on August 18th early then was told to call this #1xxx-xxx-xxxx once a week just in case they needed more info. I called once or twice a week because when I would call on a Tuesday, they would tell me to call on a Friday, so on and so on! When I asked if they had everything they would say, "Yes, we received everything," that they are still processing my application.

Meanwhile, I kept getting calls from their collections dept. I would call back at my convenience when I would give them my loan # they would tell me, "Sorry, you're not on file." My reply then, "Why are you calling me?" This would go on at least two times every other day. On August 27th, 2010, I called and spoke to a Kinisha agent # xxx and she told me she didn't know why they were bothering me because I was approved for the permanent modification and I should be receiving my promissory notes to sign and my payments would be the same for five years.

Meanwhile, I am waiting for the documents to sign and I decided to pick up the call from the collections dept. and asked them why they still continue to call, still receiving the calls and finally, I answered on the agent told me that they need two documents resubmitted and the other document was to be a written itemized expense sheet. I asked why is this being dragged out. This has been going on a year and every time I call there is a different answer. Reminded her of my conversation with Kinisha on 8/27 and she said, "Oh no, you were declined for the HAMP program and we are trying to process something from in house."

I told her my letters state otherwise and my debt keeps getting larger and as of now I owe $6,000. I asked her how does my status go from approved to still processing and that they need the same two documents I sent on August 18th? I stated that there are too many inconsistencies and seems that they are very misleading. I faxed the documents the following day from an HSBC branch again!

I called to follow up on my fax and spoke to a Ms. ***. When I asked to speak to a supervisor, she got a little winded and said, "You might not need to speak to a supervisor. I could help." I told her I needed answers and gave me the song and dance on how they needed more documents and ya di dada then she asked me for my monthly payment. I told her that I paid September payment on the 1st at the HSBC branch and she went on with the balance I owe and said she was going to ask what I needed to pay for October after being on hold for a good 10 min. She said, "Well, I have no answer but to continue for now making your trial payment and you should really be making the regular payment." I asked, "Well, which is it?"

So I don't ruin my chances of being declined again somehow. She told me, "Well, don't take it in a wrong way but try not to think too much, just let them do there work!" I told her this is my home and I have children to think about and I need to know what is going on. This has been going on for a year I am afraid to struggle to make my normal payment and risk the help. I am very stressed and need help!

Mortgage rate is at $11.9. They always say they will give me a modification, but it's always temp for a couple of months. So many rules have been handed down from government. I really don't know my rights. Credit too bad for refinancing. My next choice is to move out. Stressful.

I have been on a mortgage modification for approximately 2 years and applied for a continuation for which I was told that I was approved for a permanent modification and to just keep paying the same amount on time and that I would receive written confirmation in the mail shortly. This was in June. After 2 weeks, I never received any paperwork, and really didn't trust just a phone conversation, so I called to see when the paperwork was coming. At this time, I was told that they were working on my modification request and it wasn't even for sure I was getting approved, to call back. I called back about a week later and was told that I was approved on June 22 but for a higher payment and the paperwork would follow soon. I was told to pay the original amount for July, which I did.

I continued to call weekly and no paperwork. One day, I was told that this would negatively affect my credit since it was reported to the credit agency (which I was never told when I first applied for modification), so I was upset since I had never been late on payments or anything. So I looked into this and found that there was an option approved in November 1999 for them to report it so it wouldn't negatively affect my credit. But when I called back to ask, I was told that they choose to report it as though I am on a payment plan, so it will affect my credit negatively. They also said that if I felt they weren't in compliance with something, I could write to some department (which I have written somewhere). I have been trying to find out if they are in compliance or not, but none seems to be able to help me with this information including your office. I don t know who to call next; consumer affairs, attorney general, HUD housing, etc. I've tried everyone.

Next, I was told that I would have to pay 50 dollars more per month but I was indeed approved at a higher interest rate than before and papers would be sent in a week, still no paperwork. Then it gets even better, my ex-husband filed bankruptcy and they said I will have to apply all over since his name is still on the loan! I told them that he signed a quit claim and has no right to the property, but they said it didn't matter at first, but they, after I insisted it shouldn't affect me, looked into it further and said that since I applied before he filed, I was still approved, and again the paperwork was on its way!

Well, another week and no paperwork, so I called again, this time the woman said that this was a court matter and they take time and I said that I was told that this was approved back in June (it's now the end of July), and I was supposed to get the paperwork. After some time of looking into the situation, she did indeed agree that I was approved and now assures me that it will not negatively affect my credit due to the fact that I have always made timely payments, etc. and that the paperwork had gone out July 21st. But I told her I never received them, so would they please send them overnight them to me? She said that she couldn't promise that and wouldn't give me to a manager, but assured me that all was okay, and that I would be sent the paperwork.

Anyway, it is now August 8 and still no paperwork, and to top it all off, I tried to call in my August mortgage payment and after I put in my account number, they transfer me to a machine that says to call back and talk to someone during their normal business hours which are Eastern time. Mind you and I work full time so their hours aren't the easiest for me. I can't even pay my mortgage over the phone like I always do since I get paid every 2 weeks and don't always have the time to mail it and feel secure it will get there on time. Can someone please help me get this resolved? I would greatly appreciate the information you are able to give me.

My mortgage payment bounced. So, they held the rest of my money for 3 days, then took the highest payment that came in, paid it, and left the little payments to all bounce. Instead of just the one big payment bouncing they only get 35$ for, they pick and chose which one to pay 1st to cause the other ones to bounce causing over 400$ in bank fees.

And are still letting business try to get money out of my account and hit me for bounce check fees every time they do it and told me they where going to drop one or two of the fees but since I threatened to turn them in and tell the local news channel what they did to me she said no way!

Now the bank will take 500$ in bank fees out of my checking account on the 3rd because direct deposit from widowers benefit goes in on the 3rd. My mortgage will bounce again then that will be twice and they will start to foreclose my home. I cannot miss 2 payments but the bank will take their fees first and will make no arrangements with me to pay it back in payments or any other way! I cannot afford that and my mortgage too, so they will get their money anyway they can from poor people.

It all started March 2010. My husband was two month behind and we had some unexpected bills came up. So therefore, we were unable to make the February and March payment at that time when it was due. In the early part of April, we attempted to try and make payment arrangements to try and catch up in but before we could do it, they had already sent out a letter on April 13th, saying that we were behind $1400, which was true. The day after that, we had received a letter from an attorney's office out of Atlanta,GA. stating that they had our loan; it was in foreclosure and we need to pay $3,507.54 as it would be going on the sale block on June 1st 2010. Mind you, we had been talking with HSBC since April. They told us to send in the $1,416.43 certified mail, which we did, and they refused sending the check back. Now, we did all of this in May because we could not get any answers from anyone on what to do in April.

So now, the payments are three months past due and that was the reason they would not accept the $1,416.43 that we were told to send in. Now, in May, going back and forth between HSBC and the attorney's office, we finally come to an amount to send HSBC on May 16th. We send HSBC $2,935.04 money gram and we call them back with a tracking number. My husband then speaks with a Heather ** that says we did not send the right amount and that we are $88.00 short but that was their mistake and they will just add that into our principal balance. My husband, at this point, says okay to whatever get me back on track.

We now asked for a statement to be sent out, and she says that as soon the money is applied, the statement will be sent out. Okay, so we give it a week but still no statement. We're still in May calling there now and doing some type of modification to the loan. We called back a week later, going into June now, and talked with a customer service representative; we're still in the process of foreclosure in June. So I demand to speak with someone high up that can give me some answers. I left message after message for Customer Service Manager, April ** to call me back and called me back on June 22nd, this all took place two weeks before she called me back.

On June 22nd, April ** stated that we sent in too much money $578.37 and that our June and July payment was up to date and come August, we had a credit of $123.37 and we would pay the difference, and all the late fees would be waived for all the trouble. So I say okay, and when do I receive my statement, she says that as soon as the modification is complete, I should receive my statement. I was still confused on how we sent too much money then told a month ago that we were shy $88.00, but again whatever. Just send me something in writing so I received a statement on June 24th 2010 saying that we owe $967.51.

I called April back go to voice mail but she's not in and leave a message after message with no returned phone call till July 7th at 6:30PM. Now, the story is that we sent in too much money now, it's $778.37 and June's payment is current and July we will have a credit of $123.37, and we owe the remaining on July, and reg. payments in August. So I ask how we sent in $778 too much in June it was $578, and we were good till August, now were on good till July.

I was confused. She will get back with me. Well, it is now July 19th, I've been calling all week last week and the voice mail is full and can't leave a message, so I spoke with a Beatrice ** today who is just a customer service representative who tells me that I only owe $166.74, and this will bring everything current and I will be back on schedule with August payment, but it is still in modification. I am still waiting on April ** to call me back.

So my question to everyone who has read this, should my husband and I walk away from this file chapter 13 give them the house, we don't want to do that seeing that this is a family home it was his grandparents home, but we don't have the money for a lawyer, and I know us getting behind on our payments were our fault, but for all the stress and confusion, is it worth it? We feel like we'll never going to get out of this.

We're getting told so many things by so many people, and people who you think can give you the answers don't seem to have them either, all you get told by HSBC is lie after lie. Their record keeping is terrible. Well, as I'm sitting here writing this, guess who calls. It's HSBC wanting me to make a payment of $944.74. What do I do?

In result of all the stress that my husband has, he went to speak with a bankrupt lawyer. I have had emotional breakdowns from being told things that are not being true. It has caused emotional breakdowns as this being our family home and not really wanting to walk away from it. We don't have the means and the credit to rent. The only option would be to move in with family members for a while which wouldn't be so bad but we have small children that added stress. We both feel overwhelmed not knowing which way to turn; if we're doing it right or are we not. Some advice would be nice.

RE: negligence and fraud by HSBC in return for my faithful payment of my mortgage, on time, and in full every month HSBC Mortgage Co. is interfering with restoration of my home after an insured loss, by HSBCs negligence and fraud. Nationwide, my insurer, included HSBC name on its checks to me for the damage, covered by my home policy. HSBC Mortgage Co. Loss Draft Dept must sign and release the funds for me to pay for work completed, or to pay to get my house fixed after water damage. They have ignored my correspondence. They have also made misleading and fraudulent statements regarding why they have kept the checks and not released the funds for my home. Ex, they wrote listing items they needed to release my funds. In contrast to this fraudulent letter, per phone they demand an entirely different set of documents never mentioned before. This is to confound and delay my efforts to pay for or have work done on the home.

Their phone agents are misleading and obstructive. Today "Donald D", Loss Draft Dept refused to answer my questions regarding why my checks have not been sent to me, to pay a plumber who finished months ago. His replied "I told you to write down what I tell you, I ain't gonna repeat it. I told you write it down." I believe this is abuse and designed to keep my money in their account earning interest.

I informed this individual, that HSBC can be sued for this type of tortuous interference and malfeasance. HSBC and individual employees can not hide behind telephones and their company bureaucracy, they are not outside the reaches of legal process. They are responsible for their behavior as a company and as individuals, and they can be sued as a company and as individual persons. Each encounter with HSBC they create new demands/obstructions. I respond promptly each time, but there is always a different excuse. Last "Adrian B", Loss Draft Dept left a message and no usable number for my response. He apparently has neglected to inform me of the information he needs on my claim, as this information changes and grows with each call. I should have been given a list of items needed at the outset. But this is their game. To delay and obstruct and keep the money in their possession, they forced me to sign over already.

I hope BBB, FTC, and Atty General can assist me. I prefer not to sue HSBC as a company and "Adrian B" and "Donald D" of Loss Draft Dept as individuals, though I am not afraid to do so just because they are out of state and hide behind corporate red tape. HSBC and its individuals must discharge their duties faithfully or suffer legal action for disrupting my home and its restoration. Loss of full use of my home, economic distress, personal distress.

In March 2009, my husband and I applied for the hardship program due to his being laid off from General Motors. When we contacted HSBC, we were actually told it was not worth our time because it would take 3-6 months for the paperwork to be reviewed. We said it didn't matter because at that time he had already been laid off 4 different weeks and in March was being laid off indefinitely. Reluctantly, the woman on the other end said, "Okay, we will send the papers out." At that point, we were never told that we couldn't receive help because of our being in a Chapter 13 bankruptcy and that's why our lawyer suggested we apply for the hardship due to the impending layoff. However, the papers never came. So my lawyer told me to call again and ask for the paperwork, which I did. We never received them until May 2009.

In between that time, I tried making a payment only to be told that they wouldn't accept it and that I should call their lawyer. On June 19, 2009, I "overnighted" all the paper \work to HSBC. I have the person's signature, the date and the time when the information was received. We never heard anything back from HSBC about the hardship, nor did our lawyer. I was told to call them once again and see what was going on and was told that they never received the papers. I called my lawyer and she told me to forward them to her and she then would forward them to HSBC attorneys, which she did. None of us ever heard back from them until October when they said I owed $7000 and needed to pay that in 10 days or they would start foreclosure proceeding.

Once again, I called and tried to talk to someone and make a payment only to be told that they couldn't take the money and I needed to contact their attorney. I also asked about the hardship program and they told me they had no record of us applying so again, I told them to send the paperwork. They told me to contact Novadebt, which we did. Novadebt contacted them; we did a three-way call. The lady at HSBC told them, "Yes, we could do the hardship" and we needed the paperwork done, so we told them to send it out. They never did. That was attempt number 3.

Present day, we still know nothing about our home. Our attorney had tried several times to contact their lawyer and nobody calls her back (this is of March 3, 2010). We were discharged from our bankruptcy in January 2010 and have just received our very 1st billing statement form HSBC on February 22, 2010 (which was due by March 16, 2010 in the amount of $16, 424). We have had HSBC since 2003 and have never received any paperwork or anything when they became our bank other than a booklet with the account number and a phone number for them. They purchased our loan from another bank which is how they became our present mortgager. We didn't even know the actual balance on our home until this year when we received this current billing statement.

When they purchased our loan, they also omitted my name off the loan for whatever reason and also we come to find out someone put my husband's name on our deed. It was land owned by me and only had my name on it since before us building our house. They raised our interest rate three times, which we were told that they could not do while we were in a bankruptcy. Our payment started at $937 and ended up at $1335. They also didn't apply our payments to our loan 4+times and then would call us saying that we never made a payment and were in default when in fact, they had withdrawn the money from our account and never applied it to our mortgage. They did this so often that when we would make our monthly, sometimes, the payment was around $900, when it should have been $1335, almost like someone wasn't calculating correctly.

Our interest rate hadn't changed and we only made the monthly minimum payment the months before, so how on earth could it have gone down that far. Oh, they would say, as if to be surprised, and lo and behold, they were holding the money elsewhere, for whatever reason, but never crediting full payments to our account. It makes zero sense why they would do that, because we never knew anything about an escrow account, because during this time, our taxes or insurance were not paid through them. We paid for that separately. (This is why I have never mailed a payment fearing that they would say they never received it.)

On March 3, 2010, after talking to my attorney, I called to see what was going on. I talked to three different people, all of whom gave me different information each time. I was told that unless I make the full $16,000 payment they would not accept anything from us. The 3rd person that I talked to actually said there was no record at all of us ever trying to apply for a hardship in 2009, which as I said before was actually 3 times, and "you will be our 5th". She went on to say that they can only go by this year's pay/income, not last year's. If that is the case, then they will clearly deny us because of my husband not getting laid off until the week of March 1 and the week of March 8.

As of 4-27-2010, we found out through the local newspaper that HSBC had filed foreclosure proceedings on our property as Household Realty Corporation on 4-23-2010. We have no clue who that is, because according to my current statement it's HSBC Mortgage Services not Household Realty Corp. And, as of today, we haven,t been served anything from the local court nor has HSBC sent us anything, only a billing statement.

There have also been major discrepancies as far as to what and how much our payments should be, because our payment was $937 and went to $1335 and back down to $1114 (which is what it is now). This all happened in the last 5 years. Our payment fluctuates every month and from April 2007 to March 2009, we paid well over $40,000. Now if you add all this up since they have become our lender, even when we were paying $937 and then $1335, to present we have paid approx. $86,000.

The loan that HSBC purchased was, according to my paperwork from Regions Bank, which granted could be incorrect but even so, if we have been paying all that kind of money our loan would technically be in the 60s without the fact of interest and finance charges, of course. But, it does make a person go "Hmm" and we never got extra money so if in fact, the account closed and paid on my credit report is Regions Bank dba American Home Mortgage, that loan balance was only at $143,100. How is it now that I have paid $86,000 to HSBC and my balance is now $143,600? Oh, and yes, we do have an arm loan with an APR of 11% but to our understanding the APR laws of ARM loans can only go up 1 point or down 1 point every 6 months. I would have to say that $400 is more than 1 point in less than two years; how is that?

I have called Jim ** at the Attorney Generals office, our State Representative Charlie Wilson, and Save the Dream Ohio and they in turn have told me to contact ESOP and NDS from Ravenna, which I am currently doing. I am also in contact with Community Action, all of which was suggested to do by our attorney.We don't want to not make a payment nor do we want to lose our home (I am the 3rd generation to own this land). We just need someone to help us. Something isn't right and something truly needs to be done.

I tried to just refinance my existing loan with them. They said they are not doing that but they are taking new loans. I just wanted to get a fixed rate loan at a lower rate, they just raised my payment $100.00 with this variable rate loan. If they would change it, it would lower my payment $300.00, but they won't. I went to do a loan mod and I have been getting the run-a-round for 6 months. With my wife's medical expenses, I have fallen behind. The last payment I sent in, they sent back. Now, I have to file bankruptcy.

I owe $198,000, 10 months ago it appraised for $193,000, so they would not refinance. Now it appraises for $117,500. They are starting the bids at $78,000. They would rather sell the house at a $100,000 loss then to do my loan and make money. With me filing bankruptcy will stop the foreclosure. I would think that there are a lot of people out there that some way, a class action lawsuit would do something to help a lot of people. If you could send a response to my email, that would be great.

I tried to refinance my house to lower my interest rate and when I spoke to a representative, they inform me in the state of Florida that they are not doing any refinance. I was mad because when I first refinance my house my interest rate was lower. Then in October 2008 I refinance again and my interest rate was higher, and when I asked for an explanation they told me that since my husband credit was not good, that's why the interest went up. I did not believe that. It just did not make any sense at all.

I found another mortgage company and I was going to refinance with them. My credit was good and it was several items that they needed from HSBC. When I called trying to get the information I spoke to several different people that did not speak English well and when I asked them for the items they did not know what I was talking about. I gave them my fax number to fax over the paper work. You would not believe what they fax mecopies of my appraisal and they tied up my fax machine that when I called them back the next day they told me that they would stop. But the next day I think I receive the appraisal report about 5 times. I was so upset with them. Long story short, I did not refinance my house because I was told that the appraisal value for my house was low. I feel that HSBC is a rip off and that I hope that they get what's coming to them.

I used to have a 1st and 2nd mortgage with HSBC for a home I owned. We did a short sale of the home in April of 2007, which HSBC agreed upon and approved and the home was sold. Two months later, I received the first of many calls from HSBC sating I still owed the remaining balance. I first started to pay them $50 a month, then I reduced due to other financial issues. After I started to get more calls from HSBC asking me to make a settlement payment, I started to question why I even have the debt when I did a short sale.

They said it's because at closing, I agreed to pay the remaining balance, which is untrue. So every month, we have this back and forth call about do I really owe, and on talking with others who have gone through short sales, and with mortgage professions as well, no one has ever seen where a remaining balance has ever been owed after a short sale was approved. I have tried disputing this through the credit reporting agencies, but HSBC responds back to them that the accounts are accurate and active, so they will not remove them from my credit report. So as I have become more and more educated on this process, I have learned that I have the right to file complaints and possibly sue HSBC to remove anything negatively effecting my credit and to have them honor the short sale agreement which they approved prior to closing the home. So I am reaching out to you for help and guidance on this issue.

This company has not done their job. Sent my 1098 form since the end of January 10. I have been calling them every two weeks regarding this property tax form all this time, and there's still no information. I am requesting from the company. I am just tired of playing phone tag, waiting for the form. I have headaches calling the company every time.

They took over my mortgage loan in October of 2006. They are very much a company that practices predatory lending. I have tried to get refinanced and of course they have my house upside down. No other bank will touch me. I have read through other reports on here. How can a company get away with what they do? They prey on individuals that need help and make it sound good and they really put the hurt on them. I would love to have their practices investigated. I am trying to go through a refinance with them and I don't know the answer yet but if they can't help, I will have to foreclose on my house.

It started on June 2008. I was already late on two payments. I called to see what we could do and they said that we could try applying for a loan modification. I filled out the information and faxed over as they requested. A couple of weeks later, I got a letter stating that they regret to inform us that they will not be able to approve the modification. I then called them to ask why and they said because of our finances. I could not figure out how they figured because when I did the financial form, I was at a negative $600.00. The customer service representative who I was with on the phone went over my finances, the same ones that I sent in, and said, "Oh you, I can see why you are struggling. You do not make enough money." So she said that she would send it in for approval again.

Weeks went by but I heard nothing. Then I called again and the customer service person said that they had nothing on file stating that I was trying for a new modification. So again, I had to go over all my financial stuff again with a different person. I received another letter a couple of weeks later stating that they regret to inform me that we were not approved for a modification. So this time, I decided to go to HUD. I went and talked to a counselor and showed them all the paper work that I sent HSBC and the letters that I got from them. I went over all my financial stuff with them and they ended up sending it in to HSBC.

I finally got a letter from them weeks later saying that we were approved for a modification for 5.25% for 6 months. I made the first payment on time then my car broke down and I had to use half my mortgage to fix it so I was late. I did call them to let them know and said that as long as I had all 6 months of payments in, they would honor my modification for another 18 months. I made the last 3 payment arrangements with them and borrowed money from my husband's $401,000 to pay the mortgage up to date.

Two days before I was supposed to make my last payment, they stated that I had to pay the original interest rate of 10%. I told them that I already made payment arrangements with somebody else and it was agreed that I pay the 5.25%. He said that is why he was calling me then to let me know that before I make my payment, that I have to send in another $800.00. Well, where the hell do they expect me to find that much money in two days? So because I couldn't pay that full amount they cancelled my modification.

My ARM changes in January. So in December, I got a letter stating that my interest rate changed from 10% to 7.68% which I still cannot afford. So I called them and they stated that I could reapply for a loan modification. So again, I sent in all the paperwork. In the meantime, I asked if I could have a restructure on my loan so that I would be current and start afresh. It took about 4 times of me talking to different representatives before one of them actually put it in the system. Then I got a phone call stating that I was approved for a modification.

My new interest rate would be 8.68%. I had to laugh at the guy. I asked him how a modification can be a higher interest rate than my regular interest rate. I told him that I did not except that modification, not to put it through and then I got my bill in the mail. I almost had a heart attack. My bill came in at $3,300. What the heck is that? They did a restructure on my loan and still charged me for a late charge and interest rate for the missed payments and they kept my interest rate at 8.68%.

I don't know what to do. I have been sending them what I can afford because I don't know what to do. My house is 80 grand upside down. My husband and I were suckered into this loan saying that we could refinance to a fixed loan in two years. Then the market crashed and we are so screwed. The people at HSBC sound like they are reading a script when they are talking to you. You ask them a question and they don't know how to answer it. You ask to speak to a manager and they say they are not available. I don't understand how this company can get away with everything that they are doing. Why somebody can't step in and say, look enough is enough. You are to change everybody who has an arm to a fixed rate and what the interest rate is right now. Not 4% higher. Obama, why haven't I seen any help? You promised.

I took a home equity line of credit in the amount of $31,200. For the first ten years, it was interest only. And now, my payments have ballooned, and I am unable to make the payment. I have requested a loan modification three times, though my bank statements clearing indicates that I have a negative cash flow.

My husband is unemployed, and I do not know what to do. I have been told to file bankruptcy which I really do not want to do. I have put my credit cards in CCCS, and the other companies have worked with me to put me on a hardship payment plan. I need help and do not know what to do. My credit has been ruined, and I am delinquent on my HSBC account.

I was sent a letter from the mortgage company stating that they needed the declarations page for insurance. I called for that from the insurance company and found out that the policy was only in my ex husband name. Being that he no longer live here, I need to get a policy in my name. So, we closed out the policy in his name with him on the phone and opened a new one in my name.

After doing all of those, the insurance company sent the information to HSBC for payment. HSBC sent a payment to the insurance company under the old policy number and because the policy was closed the check was being sent to my ex husband. He may or may not give me the check as it was a bungle divorce. HSBC has not been taking care of the problem. I contacted them the first week of January 2010 and it was a week late and all. They can take more money out of my escrow and pay it again, that is not fair to me to pay twice.

Well they took out our payment without our consent on Dec. 4th then turned around and took it out on Dec 11th this is without our consent and even admitted it yes I am behind on my mort. But they stoled money out of my checking account without permission here it is Dec. 28th after they crushed our Christmas my daughter suffered because my bank account is in the negative they keep promising us they will take care of our bank account but haven't we talked to this so called manager and he's nothing but a liar. He told us he is sending out a check to take care of our bank account we would have it the next day now here it is Dec. 28th and still nothing. I just don't know what else to do the bank is backing us...This company should have to pay for what they have caused me and my family.

HSBC caused and issue that could cost me my home if I do not find away to get them to correct their mistake and clear my record and name.

I have insisted on speaking to someone in management and they refuse to
allow me to do so. They say they can't fix the problem so I ask to
speak to someone who can and they refuse. I ask them their name, I get
only a first name so when I call back and ask for them or mention their
name the person on the phone has no idea who I am talking about and say
they are a big company. They always promise to call back and do not,
the only one that has called back was the one who called back to tell
me that someone at their company messed up.

I was finally given two names of two possible supervisors who was
supposed to call me back on this matter last Friday but that call never
came and I was told they did not have a direct phone line I could call
them on if they did not call me, yet the letters keep coming.

It all started with checks I was getting from my insurance company to
repair my home from Hurricane Ike damage. The checks were written in
the mortgage company and my name. HSBC told me I were to send all
checks to them so they can make the payments to the contractors I had
making the repairs. That way they can track how the money is being
spent.

This worked out until two checks I sent to them, they say were lost in
the mail. After nearly two months had passed, they said they had not
received them. The Rep told me to call the insurance Company (USAA) and
have them stop payment on the lost check and have them reissue a new
one, which USAA did as I requested. One of the checks was a check being
sent to me by HSBC, I told them I would be sending it back to them,
they said they would put a stop payment on their check which I did not
sign.

HSBC received the new check and posted it towards my repairs. The Rep
from HSBC told me two or three weeks later the lost checks were found
and someone tried to post these canceled checks to my account, which
they were not supposed to do. Neither check cleared so someone AT HSBC
went into my Mortgage account which had nothing to do with the IKE
money and took money out of my mortgage which I had already paid
causing my mortgage to look as though it is three months behind even
though I have never missed a payment since I have been with them, this
they have admitted too.

Bottom line is had they not tried to post the two canceled checks and
taken money away from my mortgage to cover them, I would not be in the
mess I am in. A big problem with them is I never get to speak with the
same person and first thing they tell me is I owe them money, and all
they want is for me to pay them to make the problem go away. I try to
tell them what their own rep I spoke with when all of this started. He
told me that it's their fault and none of them will listen.

Please tell me where I can go the help with this, the longer this drags
out the worst it is getting. I have not stopped making my payments but
now I am all ways three months behind. The next letter could cost me my

home.

I have send two Certified Letters and no one has responded to them.

Back on April 7th 2009 i had been approved for a loan modification by HSBC, i was told to send in $1531.24 commencing with my April payment; so i did. I also sent the same amount for May & June 2009. Then around the end of May i started getting phones calls stating i was delinquent in my payments. I advised them that i was not, i had a loan mod; they said i did not. On May 26th i spoke to Mr. Terry J in the modification dept, only to find out that "yes, i had been approved for the loan modification but later declined by a second quaility control team.

Mr. J was able to finally get me approved for the loan modification, but by now the damage had been done to my credit. HSBC has been reporting me late for 5 consecutive months from April to now. The reason they gave me was that they have been taking $189.00 from each on of my payments and applying it to the previous month. I never got a letter stating i had been declined for the loan mod the first time around. I've was sending in my payments as i had been instructed, and have never been late on my mortgage since i've been with HSBC. This error was not of my doing, and HSBC should have never report DEROGATORY information on me. Now my credit is complety ruined, and i can't even apply for a refi, becuse of a mistake they made.

This all started in febuary 09. I was not able to refinace my home because the house was apprasied for forthy thousand less then what I owe. I then ask werecan i find help hsbc said there is program that can help me that the president approved. I call loan mofication department and the send me a package for heartship .I send all the information to them in febuary and in march they said I was not approved because I was not late with my payments.

Then in april when the president approved for a diffrent mofication I submited my paper work again and was told that I was approved and as of june I will be paying 400.00 dollars less starting june 1/09 I will be reciveding a package were i have to sign and return with the agreatment for three month after the three months they will relook at my paper work to see how i am doing with the payment in case there may need to make changes.

every week i spoke to hsbc and they stated they send me out the form which never recivered on june 09 they said that l need to send a new package because they needed to send to an other department the same infrmation that they alright had but they would not be able to submit those papaer so again on june i fax then all the information they requested and mail it to them now they said you are approved and ones again i am waiting for these paper that i have not recived they claim that on september /09 my payment will be 400.00 dollars less but wait when i call them in the begin of august they stated i will recived the papaer to sign

now on august 12 /09 i did reciver a package but this is for me to prove again my hurtship when i call them today they stated thatthey are working with my package as of august 10/09 and i would have to pay the high mortage again because they will not be able to submit it for september payment. if there is any one out there that can help me with this problem please help me I have worked so hard to keep my home and i have no one left to borrow money from to make this payment.

After repeatedly contacting them for over 4 months now and submitting my information by fax over 12 times I still have mixed answers for a loan modification extension after losing a job.

Their customer service is a joke and after trying to refi last year and having HSBC threaten me with a 6% pre payment penalty on a 14.3% rate loan I was unable to leave them. Now our LTV has bottomed out HSBC doesn't over any refi options and barely working they continue to give us the run around. Loss of house that has never been paid late ever before! -- The good news is they will lose over 80% of the loan value if they call in the loan.

i applied for a mortgage with HSBC bank 2 months ago. when speaking to the sales agent, i explained that i lived in dubai which to them was not a problem. she said the system rejected me because i am not on the voting register, but as that was explained by me living in dubai, she was allowed to by pass this. She confirmed, sent me the forms to fill out and post off. My offer for the house was accepted pending funding confirmation. I spent alot of money getting the paperwork together, only to be phoned and told i never should have been allowed to apply as i had a poor credit rating. i explained that the bank new this before i applied, as i live oversees. they told me not their problem.

i then contacted equifax to get my credit report on ly to find i could not get it unless i used my mothers address, but to confirm this i would need to submit a bill with my name on it. i explained again, i live oversees. i was told equifax only deal with UK to which i responded well, i dont live in the UK but your happy to sell my information to others, listing me as a bad risk. to cut a long story short, i provide all details of my bank accounts, credit cards etc to which they have done nothing and i still rate as a bad risk, because i dont appear on the voting register, and they cant be bother to follow up on my banks and credit history.

i have never had a debt in my life and now these companys are free to sell my information listing me as a bad risk, because they cant be bothered to do their homework. If they are going to be allowed to provide credit information to lenders, at a price, they should be held liable for mis information. They do not list that i live oversees, they do not list credit cards i have in rep of ireland nor do they list bank accounts i have in northern ireland, all because the banks i use dont share that information with them.

I have two mortgage, the small one is with HSBC, due this bad economic situation I couldn't make payments at that time and I was behind for several months, on July 9th I call to HSBC customer care phone number, exactly as appears on my bill, this lady Emily S answered, I explain her my situation and I wanted to start making payment trying to bring my account current in less time as possible, in my bill my payment due was for $1,436.72 but she said that was wrong my real due was for $2,236.72, I told her, we were looking different accounts because how that could be possible we are talking about $800.00 more why?, at that time she could give me an answer but she said you can make a payment to day and I can review your account later, I was agree because that was the reason of my call make payments and get some kind of agreement, she took my payment by phone, and she told me to call later to let me know about this difference I said ok..

Surprise..!!! for me when a few days later I receive a letter from this TATE & KIRLIN ASSOCIATES debt collection company, telling me the payment I made on July 9th will be process and remind me the date of my next payment, at that moment I said who the heck is that people, so I call again to HSBC costumer service to try to get an explanation,**MAKE ME MAD** 'cause until that moment I realize I never talk to any costumer service representative from HSBC, due the status of my account they transfer my call direct and without my knowledge to this Collection Layers office as you see this Emily S who answer my call and I spoke works there and never told me nothing about it, so all this time I tough I was talking with some HBSC agent.

I had one modification loan, they told me that modification was cancel due I didn't make more payments, but again I never was inform about it, even my recently bill dated July 01, 2009 you can see the payment due for $1,436.72

First of all, my loan with them is under my married name. I have gone back to my maiden name. I filed chapter 13 bankruptcy & was discharged December 2008. A letter dated June 8, 2009 & postmarked June 30, 2009 & July 1, 2009 arrived at my mailbox on July 6, 2009. It was stating that I owed a tax to the City for over $30. Well, I proceeded to call the toll-free no. on the letter; they were closed. I don't get off from work until 5 p.m. CST & mail comes in the afternoon. Anyway, the next day at work, I kept trying numerous times to talk to someone. So, on my lunchbreak, I went to the city & showed letter & asked about this tax owed. It was from 2003; I had filed in 2004. So, I don't know if the bankruptcy court should have paid or what. Anyway, no more charges had been added.

The city was perfectly fine with me paying my next payday of 7-17-09, but the lady said I should find out from HSBC what was meant by 30 days, from the date of letter, postmark, or went I got it in the mail. Well, late afternoon, I finally got thru to them & spoke to a human, even though I had left a no. for them to call me back. When asked for my loan no., the lady immediately gave me another no. to call; when I asked why, no explanation. So, I proceeded with this & finally spoke to another lady. I informed her what the city had told me, & she said she couldn't go by word of mouth, that the city would have to send them something by fax or mail stating they were willing to wait.

I informed the lady that I should be sent another letter since the postmark of the letter didn't come close to when they say it was written, since the no. on the letter didn't match the no. I was now talking on, since the hours to discuss acct. stated on the letter did not match the first no. called, & that I was having to go by her word of mouth. She said she discussed with supervisor & couldn't mail another correct letter. So, I decided to ask if the enclosed self-addressed envelope had correct address to mail proof of payment of taxes.

No, surprise to me, the Pasadena, CA address was incorrect, it should be mailed to an address in Fort Worth, TX. So, I informed her that I would be taking care of the matter on July 8 by borrowing money from a family member & would not be sending proof of tax payment since HSBC didn't know what the right & left hand were doing. Also, I told her it was because I didn't know where proof of payment was to be mailed to. When I called the no. on my monthly statement, I was given a 3rd address, so, I told them the same thing & told them their company could find out the best way they could if the taxes were paid. Three different states have been told to me, & my payment goes to a 4th state each month.

None of these people I spoke to stated they didn't know where all this information came from. I said someone should know since they mailed it to me. This is not the first time I have had difficulties with them. I also told them if I could get out from under HSBC & could get refinanced with another bank to take over my loan, I would. I told them if I didn't get this done, it wouldn't be for lack of trying. How do they stay in business?

HSBC is one of two secondary mortgages I have. Early last year, we were falling behind on payments due to having only a single income. I contacted my primary lender (PHH) and the two HELOCs (Ditech and HSBC). Both PHH and Ditech assisted with either a personal loan or remodification by the end of 2008.

I have been attempting to get HSBC to modify the loan since July 2008. When I fist talked to them they said that they were not in the business of selling homes and that they would work with me. By this time I was about 3-4 months behind. In August, I received a statement with a new loan number, but the account was not made current or modified. I did not pay on this account for I could not have a loan past due 5 months (what was the point of the new loan if it was not started as current?).

By this time, we had started receiving a double income again and could pay a modified loan.

I again started to be proactive and finally got someone to speak with me in October where I sent our packet of financial info again. I called multiple times from October through March where I was told that due to the large volume of cases, they would get to my case in a couple of months. Fine. However since March I decided not to be proactive and waited for them to contact me once they got to me. This week, HSBC filed for foreclosure here in NY. This without any warning or a response to my multiple packets of info I had sent them.

When contacting them, they were not sympathetic. They faxed me the form to fill out again. I have sent the info and documents requested. I will contact them daily until this is resolved.

Why should I lose my home due to the fact that they do not have enough staff to handle modifications. Do I have any recourse?

My mom and dad were making their payments. HSBC kept applying fees they they wouldn't explain to my dad. He told them he would not pay it but would pay his regular payment. The house was almost forclosed on because of these fees. My parents had to file bankruptcy to keep their house. After their chapter 13 was discharged in Feb. my dad passed away in March.

Now they are saying that there are fees at over $2000. that have to be paid. They have started adding more fees even though mom is making the payments and they refuse to explain the fees she has even sent in written authorization for them the speak with me to see if I could work it out and they refuse to speak with me saying that they never got the authorization and we faxed it to them. At first it was "Oh it will take a few days to get entered into the system." then it was "it will take at least 7 days to get in the system." then it was "Oh well customer service is way behind a lot of autherizations come in like that so it make take a few weeks." My mom is going to wind up loosing the house she has been in for 33 yrs because of this company.

I received a letter from HSBC Mortgage indicating that I was in default and need to pay $2,913.26 in order to bring my loan current. Since my past due is only $1,200.00 I contacted the 800 number and was told that there is a additional $1800.00 in (corporate fees). The representative indicated I needed to come current with the past due before the corporate fees could be discussed. I do not see why I would have these fees since I just paid over $8,000.00 to come current on my past due loan. Not sure how to proceed?

In March of 2008 my mortgage company did not apply my bank's electronic payment transfer to my loan number. So this made every payment a month late because they claim I missed a month (I have bank confirmations that I didn't miss a month), HSBC somehow lost the payment or missapplied it, I don't know and I continue to pay my mortgage on time every month before the due date. They continued to apply my payments long after they were electronically transferred by my bank, incurring all kinds of late fees, even though I have consecutive bank confirmations for each and every payment.

So in July I started paying by check and printing off copies the day they posted to my checking account online. HSBC has heaped on late charges, assessed penalties. I have written the company 5 times with all supporting payment history from my bank, with payment confirmations from Oct. 2007 through February 2009. They have never responded, except for one short letter dated 7-21-08 telling me my concerns were under review and apologizing for the delay. No further response from them until January 2009 I received a Notice of Default. In early February 2009 I received a Notice of Intended Foreclosure.

They claim I have not paid Dec. '08, Jan. '09, Feb. '09 payments and the infuriating thing is I sent them a packet that included the cleared checks from those months that they have deposited but claim I have not paid!! How is this possible?? They have steam rolled ahead in a bid to take over my home EVEN THOUGH I HAVE NEVER MISSED A PAYMENT AND HAVE ALL THE BANKING STATEMENTS AND CANCELLED CHECKS TO PROVE IT!! This is unreal, a nightmare. I have contacted my Senator for my district, I have sent a complaint to the banking commission, I have emailed the local investigative tv news chanel, who quite frankly, didn't believe a mortgage company would foreclose on a home with just one missing payment.

I corrected them to the fact that I have missed NO payments but I don't think they believe me! I have sent my packet of letters and banking confirmations of payment to the president of HSBC, to the Default servicer listed on my Notice of Intended Foreclosure, all certified mail return receipt. I have heard nothing. I am trying to do everything I can before hiring an expensive attorney (did I mention I am a 50 yr old divorced mom with limited funds and 3 kids who earns too much for legal aid but not enough to retain an attorney?). I keep thinking I will wake up from this before they come to take my home from me for NO REASON. I am SURE I am not the only one. I have monthly statements from HSBC, sometimes 3 different statements for the same month with conflicting amounts!! If this isn't fraud what is?! Yet I continue to pay my mortgage every month. There must be others like me, I need to find them for a class action law suit against this completely corrupt fraudulent banking corporation. I don't want to do business any longer with this financial institution, is the bottom line.

I had wind damage from hurricane Ike in Sept. I received an insurance check from my insurance company made payable to myself and HSBC. Before I mailed the check I called customer service to find out what address I should send it to for signature. The woman I spoke to gave me an address to mail the check. It turned out to be a payment center.

I did not sign the check and the back of the check says it must be endorsed by all parties. I also stapled a letter of instructions to the check. Also, my account number was not displayed on the check or in the letter. So what I want to know is what person in thi company took it upon themselves to: 1. Ignore the letter of instruction? 2. Do enough research to find my account information? 3. Apply the amount of the check to my mortgage payment and apply the remainder to principal? 4. Go ahead and process the check without my signature?

I feel this is completely unacceptable procedure. Further more when someone sends in a payment over the amount doesnt it have to be spelled out where that overage needs to be applied? Who is this person that took all of this upon themselves to play with my money? I waited weeks for this check to come back so I could proceed with repairs to my home. This delay has cost me time and money out of pocket that should not have happened. Contractors do not work for free and expect to be paid. I paid them upfront thinking this check would be in the mail any day.

After calling the customer service department I was told that it apparently it does not mater if you send a note with a check it is ignored. So, I now question if they hire people that do not speak English, or simply can not read. After numerous phone calls I finally spoke to someone that had some sense. At which time I had to get a copy of the endorsed check from my insurance company and fax it in with a letter of explaination. After a couple of days I called again. I was told that the department handling my request was unclear as to what I wanted. I am certain they hire people that can't read.

I did get my check back but it took a month. So now I have another insurance check. I held up on paying my Jan. mortgage because I knew I would be getting another check made payable the same way. Now I am told in order for them to endorse it and send it back to me I need to pay my Jan. paymemt. I wanted them to apply my Jan. payment out of the check and send me the balance. They did that with the first check by mistake but since it was done in error they can't apply it to my mortgage. Even though this check is a reimbursement to me because I have already paid out of pocket to the contractors. Instead they said they would apply it all to my principle and my Jan. payment would still be due. Their sugestion is for me to borrow my Jan. payment from someone. There must be some way around all this.

We currently have two mortgages one with Countrywide and the second with HSBC mortgage services.

We notify HSBC of going through hardship and we asked for them to work with us finding a program that would help us reduce our mortgage payments. During that time we used our savings and borrowed money to make our mortgage payments. Ever since we started contacting them to provide info needed for the program they have not save our information correctly on their systems. As a result every time I call I come to find out they are not gathering our information correctly from us resulting in having to correct them every time I call. Last we heard from them we were declined on the help and we have a late fee in our mortgage account with them.

Countrywide so far has been way more helpful than HSBC. I am very upset and fed up with the fact that HSBC has been making mistakes left and right. Instead of being helped by them we get the opposite no help and every time I call is long wait.

Our nightmare started before we lost our jobs with the person handling the refinancing of our home. She totally screwed us by us trusting her. I started the whole process back in November of 2007 and we were suppose to close March of 2008. After May of 2008 it was clear she did us wrong shortly after we lost our jobs and it was even worst.

HSBC made a mistake in October and took my house payment a put it in escrow acount istead of using it as my house payment. I have be trying to get them to fix it on my trw and fax me a letter saying it was there mistake not mine. I have been trying since Nov 4th and Im in the middle of trying to buy another house. But because of there mistake Im going to lose the other house and lose 10,000 dollers Help please!

Im losing my new house

When my wife found out that HSBC had bought our home loan, she cried. She had dealt with these corporate colostomy bags before. We get calls all day, everyday, weeks BEFORE our payment is due. WE ARE FED UP! They are rude, vile, subhuman and their tactics are reprehensible.

In September 2006, I called HSBC to find out what the current rates were and get some general information on refinancing. I just started a job that was more commission based compared to the previous teaching job that I had. Anyway, Marius was our telesales loan officer, he told me that we could get up to 225,000 on our home. That large of amount was not done we did go through with a refinance for 195,000 total we were told that there would be "NO" problem refinancing after I had worked at my new position for a year. No appraisal was ever done on our home now only worth 145000 how could we be told up to 225000 and only two years later not even have enough equity to refinance into a fixed lower rate.

Lost my job in January 2008, tried to refinance in January with HSBC said we did not make enough this was before I lost my job? Then submitted three hardship requests all three denied said we made too much? No settlement statement or right of recission was ever given to us either?? So no appraisal was done, no HUD settlement statement, and to top it off they processed one of our monthly payments late when I know that I submitted the only payment before the date that they put-to make us have a 30 day late on our credit report. Of course, HSBC does not participate in the Hope for Homeowners program either? Our rate for the first three years 8.25% with a whopping 3% pre-payment penalty??

Since October or November of 07 we tried several attempts to resolve our mortagage account with HSBC. In October of 07 we were informed by Jayson and the manager of their Northfield office that one of our payments were applied to our principle account and we did not have to pay for November 07 because we over paid the previous month mortgage payment. In December O7 we recieved our statement and the payment was still showing in our principle and still not applied to our mortgage account. Over the next several months (8) to be exact they put several request in for it to be moved from principle to our mortgage account. Keep in mind that we did not recieve one letter from them stating we did not over pay but we in fact owed them the mortgage.

Beneficial eventually closed the Northfield branch and merged it with Mayslanding. We once again had to start our process all over again. We faithly went to the branch every week somtimes two times a week to resolve our misapplied funds, miscalucalation of our percentage rate, non-payment of taxes, and not again to mention missed-payment of our insurance. However in April of 08 after talking to Kenneth the Mayslanding branch manager and him talking to Monique in escrow again he was told to put a request in for the principle to be moved from principle to mortgage.

We still were showing a balance and at the end of April I was given the number to their VP of auditing. I spoke to her and supposely everthing was take care of. I still have not recieved the letter stating what was applied to the account. Something I think is still not right with this. In August of 08 I finally had enough after recieving a letter that our escrow was going up to be going up beginning Oct of 08. I certified a letter stating that we would no longer wish them to handle our escrow account and property insurance.

They finally responded September of 08 stating they are truly sorry and that they assure everything is current and functioning well with our account. Yeh-Right! Know mention what so ever that the escrow would still be paying our taxes and insurance. Octbober 9, 2008, my husband contacted escrow to ask when our overpayment was going to be refunded to us. The gentleman in the escrow department told my husband to give them a call back in two to three days. You guessed it! They informed my husband a check was issued October 7, 2008, for the property taxes and that we would not be recieving a check in the mail. Beneficial has kept our Oct mortgage in non-applied funds and showing that we again owe for October mortgage and the township tax office still has not recieved our tax payment they supposely issued October 7, 2008. Also my husband requested a copy of the tax check and we still have not recieved that either.

we co singed for brother inlaw to help him recieve financeing and they illegally changed it to him being the primary we have tried to get a payment plan inwriting along with a statement saying that they would not file a judgement against our home.we have asked to speak to someone like a supervisor or a director but they say that the customer service rep is in more power than a supervisor or director. what can we do these people are not being professional about the matter and are not being resonable

by them saying that they can't give us a statement let alone a leter they are making it hard for us to get a house and to talk to anyone thats in charge or thats over them please help and give us the advice that we need to proceed about the mater in really desperate help

My original mrtge. was w/CHASE -began in MAY,"01at 7.5% fixed rate.About the yr. '03, I refinanced w/ FIDELITY at 5.85% fixed30yr. They sold the loan to OAK STREET MTGE.and they sold it to HSBC. When HSBC sent me my mo. statement, the monthly pmt. was much higher than what the original pmt. was. I vehemently protested and pd. the lower amt. I had just agreed to at the recent closing. HSBC , after many mos. corrected their error. In 2005, I rec'd. a ck. for @966. Somehow, I only found that ck. in Jan. of this yr.

I called HSBC and they researched it & said I'd be getting the new ck. Never rec'd it so called back and again I got the same story. Each time I called I was put on "hold" for quite awhile while they "researched" it. I waited again for at least as long as they told me it would take.They actually said the reason I had not rec'd the ck. was because I had not called to cck. on the status of the ck. The last time I called, a few mos. ago, I was told I would NOT be receiving the ck. at all because they had made a mistake.

I believe that they said the amt. of the ck. had to go towards the deficiency of funds in my escrow acct. L ast mo., I was notified that due to shortage in escrow, my mo. pmt. would increase by 78.53. NYSTATE has a tax-relief program for SRS., called THE STAR PROGRAM. I am in that program so I don't see how my pmts. could be increasing by that much. I just think there might be something "fishy" going on. It seems like they make alot of errors. I do not trust this bank. When you call customer care, you are calling INDIA. Sometimes, they don't have a clue. It is MOST ANNOYING!!!!

When I went to HSBC, they had a sign in there store that read, Open a checking account with us and we will take $500.00 off your closing cost! Wow! So I did. On the day of my closing, guess what they offered me? $200.00. So I told them to keep it.

Also, the bank officer never informed me of the village taxes that I would be responsible for. Okay... so maybe by now your saying that was my responisibilty. Ok...So I called HSBC the following seven months to inquire about my village taxes, because I did not want any surprises in 12 months. So every month, I'd call HSBC to ask,guys did you take money out of my account for my villages taxes, because I don't want any surprise later? Yes! Was always there response. On the 12 month, HSBC wrote me a letter stating that my taxes were not taken out of my escrow and now I would have an $218.19 increase in my mortgage. I am soooo fed up with this bank and I am a first time home buyer, and I would not recommend this bank to the devil's niece.

Once again because of HSBC, I have not been able to go on a vaction, because they keep increasing my loan at the time of my vacation period. They have lied to me many times, and my student loans will now have to suffer because I had the increase with HSBC. Please somebody hold them accountable for what they have done.

My husband became disabled, and lost our income. We have since secured disability for him, however the damage is done, and HSBC is bent on taking our home. They will not work with us, even though we are willing and able to pay the mortgage. In addition, after further review, we are clearly victims of TILA, and predatory lending. The discrepencies are astounding. So much fraud within our loan. I brought this to thier attention, and they have no concern

We are going to lose our home. We have so much equity in our home, and HSBC is determined to foreclose.

My complaint regarding HSBC Mortgage Services predatory lending practices regarding collections as well as check and balances regarding my account; deceptive mortgage practices, the company failed to post borrowers' mortgage payments on time, when a lender silently accepts payments for several months without notifying the borrower the payments are insufficient then scheme of penalties thereby increasing borrower's indebtedness; HSBC uses dishonest or abusive debt-collection practices, charged unauthorized fees, unwarranted fees.and imposes additional fees on consumers, a process that could result in foreclosures;

I am contemplating filing for Chapter 13 bankruptcy protection, a process designed to help debtors repay what they owe over months or years; HSBC Mortgage Services is untrustworthy. I willing provided several payments during the time I was extremely ill and pulled from my medical payments just to pay them and that was under coercion from their customer service representatives.

It appears that HSBC Mortgage Services is unwilling to work out an amicable repayment solution regarding my mortgage payments referencing the unapplied payment of $1,225.60; I feel at this point in time, I am in need of legal assistance due to HSBC Mortgage Services failure to ensure the accuracy of its claims which encompasses fees charged to borrowers are often poorly identified, making it impossible to verify if such charges are legally permissible or accurate, Are these practices legal under the housing laws and consumer protection laws?

Adverse credit score, affecting my physical and emotional health, incurred financial hardship due to predatory lending instituting excessive fees, account is not correct. This is the worst lender I have every had.

I felt as if I was a target of HSBC, so I must say I feel a little better knowing their incompetence is not just directed to my loan. Our loan was purchased at the beginning of 2007, after a long and difficult period with another bank. I am very careful to pay this loan on the due date and over the phone as this loan was in foreclosure and we had worked very hard with the other bank to bring it back current.

Beginning in September, and with their automated system, the incorrect amount was pulled from my checking account leaving the payment in limbo, not being posted anywhere and causing me to be behind one payment on the next statement. After several attempts to find out what happened, we corrected the payment and the late fee was made. I made another payment over the phone with a person and because I used a different checking account, and the person didn't change the routing number, the payment was returned account not found, and so began three months of mess with me finally writing a letter to make someone understand.

I thought this was corrected when I received a letter of apology in January, but now, after receiving 3 statements asking for just one payment, I received a phone call from their out-of-country collection service telling me I am a month behind due to a missed payment in October! I tried to fix it with one phone call. They sent me a letter telling me they set me up with a hardship payment plan and skipped two months worth of payments. Can you just believe that! I wasn't a month behind, I just wanted to pay February! I again wrote a letter! I'll let you know how it goes!

Words can not describe the frustration. This company causes me to lay awake at night! I do not have this with my first mortgage, Wells Fargo!

I have made my monthly payments starting in March of 2006 each and every month. HSBC is now stating I am two months behind. I have sent them all the proper paperwork from my bank supporting these facts, have made over 50 phone calls and HSBC will not remedy the problem that is now affecting our credit to where we are unable to re-finance our loan and also have over $1000.00 in late fees that HSBC states we owe. We are at our wits end we don't know what else to do.

Our credit has been damaged, fees incurred time and energy put into trying to fix this problem that is not of our making.

I inadverdantly wrote a check for thirty dollars less than the correct amount for my mortgage, $960ish as opposed to $990ish, and hsbc parked the money in an unapplied funds account and sent me notice that payment was short and that I must pay immediately, or a mark would appear on my credit. Well, it did. I received word that negative information was reported, and my credit was being curtailed. I appealed to hsbc, but was denied. A second appeal yielded better results, a reversal or removal of the mark. Coincidentally, I was perusing the mortgage document the other day,and on page four of the hsbc mortgage, there is a section called application of payments or proceeds, which clearly states the application of funds received. It would appear that hsbc violated the terms of the contract when they put the money in an unapplied funds account, instead of interest, then principal, then other obligations.

So far, in it's infancy, t has caused me to pay higher interest rates, and a minor reduction in available credit.

In an attempt to bring my mortgage payments current, after an increase in December, 2006 (ARMS Loan), I sent two payments for $766.33 on 02/23/07 & 03/02/07. However, the total amount of $1,532.66 was placed in an Unapplied Funds account, and my mortgage account was allowed to accrue 'Unpaid Late Charges/Other Fees' due to this 'clerical' error which exists, to date.

I am in a financial dilemma due to the fact that I am faced with another mortgage increase in December, 2007! My credit ratings have been adversely affected, and remains a hindrance to my acquisition of a fixed rate loan.

I requested two months of payments to be processed. Both request were ordered on the same day but to be processed on different days. They accepted one and rejected the other saying that the account was closed (even though both drafts were from the same account) After speaking with them for 4 hours and 9 employees later, they realized there was a glitch in there computer and because I was requesting two payments, it (the computer) could only recognize one and therefore rejected the other. Sounds like @#%! to me but heres the problem. They were ready to charge me late fees and processing fees that occured because of a problem they created. I told them no way. They said okay they would reverse the fees and make it look as though I was not late. My bank agreed to verify account balance and activity with them but they chose not to. I had to ask them for a letter of apology and the response from the manager was sure in a very, very, sarcastic tone of voice.

My husband and I refinanced our second mortgage to access some equity and HSBC bought the contract back in October of 2005. This company has been a complete nightmare they resort to bullying children by telling them if their parents don't pay their mortgage that day they will be on the street. Mind you the payment was not late but maybe 2 days into the grace period.

They have posted all of our payments when they felt like it rather than when they were actually made. A false late payment of over 30 days past due was put on our credit and there is nothing we can do. Today Jan. 27th, 2007 11:00 AM I made my house payment three days before it could actually become late and their website would not allow me to post it before the 30th but it still would not be late so I went ahead and made it.

A phone call was made to my house and my husband answered and the person on the phone proceeded to harass my husband asking for personal information and then told him that he needed to change the payment to today or his account would be in collections. My husband was confused since we are not a month behind. He told him we are not late they answered you change your payment to today and everything will be ok my husband responded no it has already been done on line and we don't want to be charged twice . He handed me the phone I told the man on the phone that we had a grace period and it was our right to use it and that their website would not allow me to post it before Monday.

I know he said but you must change the date with me on the phone to today or it will go into collections. At this point I became very angry and told him not to call my house again to threaten me that he had no right. A supervisor I believe called the house immediately after and threatened me with recalling my mortgage because of my attitude. I am fed up with this company -- from the beginning of our loan our statements have shown as if we are always a month late which has never been true.

They are not applying our payments correctly. They are stating we are past due, but this is because they are applying one of the payments to principal. We are not doing this, nor have we indicated in our correspondence that the payment should be towards principal. I have my payments coming from 2 different checking accounts and we are dividing the amounts equally.

They are getting 2 checks for each account. One check under the name of Mark F. W and the other check under the name of Maria A. I asked them to please remove any late charges and correct your internal error. I am certain they must get payments from 2 different accounts applied to 1 mortgage payment frequently, and this has never been a problem until recently. So, then they send us a letter on 11/27/06 saying it has been fixed and then we get another letter saying they are investigating it!?! Now we are back to square 1. They are saying we owe about $2000.00 and we don't! They just don't know how to apply the payments and have untrained people handling their money.

It's putting incredible stress on us. We don't owe this money to them. They need to hire people that can add, subtract, and divide. We have never had a problem like this with our previous mortgage company and we don't want it to affect our credit because of THEIR error. I am in the mortgage industry and know how the system works. Their customer service personnel won't let me talk to a supervisor so I have sent them 2 letters now. It's frustrating that these people deal with millions of dollars and can't figure out how to apply payments. I'm tired of contacting them every month.

I got my first mortgage with a small company who immediately sold it to Household. Over the past four years, I have realized that signing anything with these people was the biggest mistake of my life. When I got behind by two payments and tried to reason with them and even sent them one payment, they returned it. I was forced into foreclosure, so I filed for Chapter 13 to save my house. Even though the late payments and all of their outrageous legal fees were covered in the bankruptcy payment plan, and I continue to make my regular payments directly to HSBC my balance is even higher than the original mortgage that I took out four years ago. Also, with the adjustable rate, the payments keep going higher and higher. I never get a statement, just a notice that the payment has gone up or is going up.

I don't know where to turn. I can barely make the payments. My bankruptcy payments are taken right out of my paycheck. Every day, I worry that I will lose my home and I can't sleep at night. I thought that filing bankruptcy would help me to keep my home, but HSBC seems determined to take it away from me, no matter how hard I try to meet their demands. I work full-time and take care of my disabled daughter and disabled mother. HSBC is starting to take a toll on my health as well as I suffer from anxiety attacks now.

In April of this year, I received a late notice from HSBC for a mortgage payment which I had paid. I called HSBC and learned that they had received the check but for some reason had posted the receipt to my escrow account instead of to my mortgage payment. They assured me the problem would be taken care of, so I paid no further attention to the matter until recently when I learned that they had reported my payment as late to the credit bureaus. I called them today and they are unwilling to correct their error because they now say they have no knowledge of the payment in question being posted to my escrow account.

The negative impact on my credit report will affect my abilifty to obtain competetive loan rates in the future.

Hsbc continues to practice what I deem as unethical. I made a payment on Friday Oct 6th 2006 at 6:50 am. I clicked on the date of payment to be 6 oct. When I clicked submit, they changed the payment date to the 9th of Oct.This caused my payment to post as late. This is not the first time I think they have done this. But as some of their practices do not seem ethical, I am starting to watch them. But once you click submit, you can not change anything, other than submit another payment.

They continue to raise my interest and charge outragous penalties.

I was billed for insurance when I already had it on the property. I sent the information to them on more than one occasion. My husband talked to them about six months ago and they said they had the proof and they would fix it. They continued to still bill me for the insurance. I called in January again and they said that I have to wait until the company refunds their insurance acct and then they will stop billing me. Just Monday, March 13, this had not been even started. So, I am forced to pay the extra insurance and if I don't they report me to the credit bureau.

Also, with this loan, there is a rollback feature, meaning that if you make your payments on time for 3 years, your interest rate drops in the 3rd, 4th, and 5th years. I called in 2004 to have this done and it has not been taken care of. When I called this week they said it had to go to their research department. I feel really in a lose lose situation with this company because I am being overcharged now, not only for insurance, but for my interest rate. Which to me means that my interest paid that I report on my taxes is or should be wrong, because I am being charge the wrong interest rate. I think they should have to compensate me for as much of money they are holding and charging me wrong.

i have a mortgage that was purchased by HSBC from the company that originally sold me the mortgage. The terms and condition of the loan clearly states that the amount of monthly mortgage paymeny, also vlearly stated on all documents, include all taxes and insurance. This is the reason I decided to do business with the company after shopping around for an arrangement that would fit my budget.

But HSBC now decided even without consulting me increased my monthly mortgage payment from 1373 to over 1600 dollars. They obviously did not want to honor the existing terms and conditions in the note they purchased. They have in effect create new terms and conditions to which I am not a party. I have written them that I am ready to go tocourt on this matter. I will continue to make payments in accordance with what is contained in my mortgage note. I believe what HSBC has done is illegal

I refinanced in January, 2005 - I requested that my payment date be on the 1st because I am retired. I get several phone calls on the 1st of every month requesting I make a payment. I am not considered late until the 15th of the month. It is very upsetting to me when I know my mortgage is my first priority and I have said this serveral times. I spoke to a floor manager by the name of Ms. Kanthi K on 2/1/06 around 4:30 pm. I explained the problem to her and since then I got 4 more calls. I think I made some one very angry and they decided to get back at me and put my number in the system.

At this point I am taking this very seriously. In no way have I played games with this company. I am a retiree and I make it clear to all of my creditors that all of my payments are made on the 1st. What am I doing wrong? I started receiving calls today 2/1/06 at 12:10 pm. Since that time I have gotten calls at 12:38, 12:49, 1:48, 2:44, 3:59, 4:48, 5:11, 5:44 pm. It is now 6:45 pm - last month the last call came in around 8 pm.

My mortgage payment was $1,987.32, they increased it to $2,379.32. The amount increased was $392. This action was taken with out my concent,and out of contract. I signed a two year fixed rate, no matter if it was sold on the secondary market payment should not be affected. They call me and harrased me regarding my monthly payment, which I refuse to pay. Unfortunately I can only retrieve their P.O. Box address I hope that it will be of any help.

The damage is an extra $392 a month will total to an extra $4,704 a year. I do have a family, I provide for.

I have made the following payments on my second mortgage: September 8,2005 $583.12 Cleared Bank September 8,2005 $67.00 Online payment due to company spokesman stating that i owed more money. Paid and amount not credited. September 13,2005 paid $58.00 through there online service. Again payment not credited. Now I have overpaid them for my August payment and have received several calls per day from them trying to collect my payment which I have already made.

Once they look at my file they say.....OH your payments are in the research department and we do not now why the payment has not been credited but promise to not call anymore. Then the next day I get bombarded with phone calls from this company starting this all over again. I am not behind on my payments but am concerned about making this months payment. Also when visiting their website the balance as well as the payment amount due etc never match my monthly bill.