Select Portfolio Servicing
ConsumerAffairs Unaccredited Brand
This company truly needs to be investigated. I just completed a very lengthy process for a home modification program. I was finally approved after 12 months. My loan is now approximately $250 more per month, they jacked up the interest rate and increased the length of the loan. Horrible to say the least. Not sure what to do at this point. Starting to really not care if I lose this property. They suck for sure.
This PATHETIC company just started servicing my loan. Worst customer service!!!! Charges online fees like mad for making my payments. Their offices are here in my state and wont accept payments. They want me to mail the payment to avoid the online fees but I'm not a fool. I know the daily interest would be more!! I think it's bull that companies make money off customers this way!!!
I was flooded by Harvey. My flood insurance company sent a check to me and needed to be signed by my mortgage company which is SPS. They told me that they hold the money and monitor the claim. Each time I got a contract I would have to pay the contractor 25% out of my pocket then request it from SPS. I submitted my adjuster's report and they declined it for no reason. I submitted paid receipts for my AC and was told it would not be approved. They are holding on to MY claim money from MY insurance company and won't release funds!
I feel I was discriminated as a widowed ** by SPS. I tried SEVERAL recommended PROGRAMS to maintain my home after the death of my husband, Mat ** in 2013. However, near the completion of each program I was required to submit extra additional information, in which I did comply (to NO avail) MY Account Number (**)... As a result of many attempts I had no choice but to leave the property. The process has lasted for several years. I am currently in partial ownership/foreclosure of the stated property. I have experienced many ailments during this process, and still do not know my status regarding ownership… Your attention to this matter is greatly appreciated and needed. Thank you...
A couple of months ago my current mortgage servicer, Seterus, sent a letter saying that I was going to a new mortgage servicer, Select Portfolio Servicing. I wasn't too alarmed but watchful. I did my homework on this company. Horrible reviews! I am a on the HAMP program (final increase of interest next month so increase in payment) and things have turned around for the better, for me, or so I thought. I was prepared for the final increase in payment. In 2 month’s time SPS did an escrow analysis and wants to collect an additional 1,871.00 or an additional 77.00 per month. No one on the phone in customer service can help you with the reason why nor can they connect you to anyone who can. They have to put in requests if you want information and can only check the fax or by mail boxes to get it.
They claim there is no one else to talk to, they are it, and no department they can connect me to, no e-mail, but you can send by snail mail to various addresses depending on the information you need. Hmmmm? Anyone reading these? Only the Ombudsman has an e-mail, go figure. If you pay online you have to pay a fee. If you pay by phone you have to pay a fee. They want access to your bank information immediately. Ask me every time I call, too. I paid by ACH before, no problem. With the increases they were proposing, I preferred to be watchful these first two months, knowing they could not charge me late fees for the first 60 days of service transfer. (You can look that up!) I also wanted to know exactly what was coming out of my account before I authorized it. And they take 60 days to set it up with you so beware. You are at risk if you send by snail mail of it getting posted late because now the USPS becomes the scapegoat.
Obviously intent on putting me in default for any reason! With regards to my escrow, their calculations are way, way off according to my figures. I could not get the guy on the phone to admit they wanted that money in the account before taxes or insurance were due. That way they could make interest on my money, charge me interest on my account and tack on all kinds of unknown fees to service the account. Basically make money off of me to do business. I am gathering all of my escrow documents and then plan to make my case again. Who is out there selling these mortgages? It is ridiculous that the average person is being taken advantage of by predators and our government continues to let this happen. Another funny trick I discovered, my former servicer has put as paid on my credit reports.
My new servicer has not even added themselves as one of my creditors. Guess what? It looks like I don't have a mortgage making it harder to refinance! Going to ride this out as best as I can, hope to refinance, and find a better company to handle my mortgage. In the meantime, I can tell you the guys comfortable in their seats in government need to be run out. This is thievery among thieves. Please pay attention when you sign a mortgage, do your homework and especially, when a new service is assigned. Question everything that is done and be watchful, very, very watchful. It is nothing but a game of chess to those holding the money right now, in my opinion.
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SPS become the servicing company for my mortgage. My note was 30 year fixed with no impound account as I paid my property taxes separate from my mortgage. SPS took it upon themselves to pay my property taxes without informing me. When I want to pay my property taxes I was told that my mortgage company already paid them. SPS then refused to credit my mortgage payments accordingly and said that I was short because they allocated my Mortgage payment towards "my short impound account".
This created a continuous shortage of mortgage payments as they were not applying my full payment toward my mortgage and holding it in reserves until full payment including property taxes and insurance were paid. They then began the "Robo_calls 10 to 15 calls per day," I stopped answering as I got tired of hearing them. They began to send inspectors to my home to verify that my home was occupied then charging me $350 for these visits. They are claiming that I agreed to these terms in my original note. They went on to say that it is their right to inspect the property to ensure that it is owner-occupied.
The list goes on and on, too much to write in this complaint. If anyone wishes to contact me please do so, something has to be done as they are now threatening to take action because my account is "delinquent". They are the ones that caused my Financial hardship and they have the nerve to harass me into a loan modification to "help me". It is my opinion after reading several of these reviews that it is their intention to put people out of their homes. They must be stopped and our homes must be saved. It's time that we take legal action and protect ourselves from these institutions.
My experience began when I bought furniture from a local shop and financed the purchase. Even though my down payment was taken on the first day and the contract clearly said purchase, I was informed my purchase was changed to a lease and I was now paying approx. 100% interest rate. When I refused to pay the high rate I began getting 50 to 100 calls a day by the finance company called Bristol Cohen and Select Portfolio Servicing. Approx 2 months later Select Portfolio Servicing took over my mortgage servicing from HSBC BENEFICIAL. Again 50 to 100 calls began every day.
In the first 2 months my mortgage interest rate was raise twice and now my escrow account is mysteriously $4,000 short and the want me to pay that also. These scum bags are going out of their way to put my home into foreclosure, they attack with archaic tactics, like they are school yard bullies with 3rd grade educations. If you have similar problems with this company sue their ** off. This is a true statement.
My mortgage is in the final year. We were on auto pay bi-monthly. This company claimed I would have to do nothing, and that the mortgage would continue as it had been with HSBC. They lied. I got a statement showing that my interest, which was about 1/10 of my payment, is now the majority of my payment, with very little to go toward principal! They won't let me pay bi-monthly, as I had been doing. They won't take a payment until mid 2018, as we're paid a year in advance. Pamela told me I would experience no changes, then the next woman told me the complete opposite. Anyone starting a Class Action Suit, please contact me.
I've read each of these complaints, only because I also had been told by my mortgage bank, New York Community bank, that they sold my loan to this company. SPS. Researching SPS I see that it is NOT a bank or a financial institution. It is a boiler room collection agency. I also looked at the BBB website and found many complaints, noting that SPS is NOT BBB-accredited. It's hard to believe anyone would want to be part of a predatory company.
We had a mortgage with them. Thankfully we were able to refinance with another company. When calling them about our payoff amount at that point the lady told us that we would receive our escrow overage within a week after the mortgage has been paid off. After calling several times I had received several answers on when we should receive this payment. We now have to wait for a full 30 days to received. This is ridiculous, after being told that I would receive it in one week. I talked to a supervisor today and he didn't seem concerned about it. Go figure not his money. I wonder if we receive the interest of them holding our money?
This is small potatoes in comparison to some of the horror stories I've seen on this thread. Nationstar out of TX sold my mortgage to SPS. They called me to inform me of the change and I hung up thinking it was a sales call. They said that they also send me letters. Why would I open a letter from a company I didn't know? I can take fault for not receiving their notifications, but their methods are archaic. 60 days late, 100 points off my credit and they won't retract their credit claim. Why??? Why are they trying to hurt me? They should be required to accept a CONFIRMATION THAT I'M AWARE THAT I AM TO PAY THEM FOR MY MORTGAGE BEFORE CLAIMING 60 DAYS LATE!!!
I had a loan transferred to them and during the Oroville dam we were evacuated I called to make my payment they offered FEMA. We didn't know we accepted. FEMA never offered an individual relief. I started making payments immediately. We weren't behave behind in payments. They deferred moved $ to the bank. I continued to make payments. Never been late for 6 months. They have repeatedly reporting me late for my brhsbin forbearance no payment due? They cook their books to what they want. They moved a payment from month to month and they report to hurt you.
Imagine severely disabled. Last time we were evacuation we had an one hour to leave. In 7 months I can't leave my. Edit stays good for only a few hours and they report me late. They are scammers and who knows who owns my mortgage. Not these guys. They only collect that $ and property by running their customer to the ground with false credit reporting. Government endorsed ripoff.
I am glad I am able to read these reviews. I already reported to CitiMortgage to seek legal if SPS servicer of my remaining loan messes up as I always pay before time and 100% accuracy on my mortgage with the bank. I would be glad to begin a class action suit. I am hopeful SPS does well by my loan and we will see how this future servicer will treat it. If not, I am prepared for class action suit. Thanks for all the helpful reviews of SPS. Frustrated and Disappointed in CitiMortgage's decision with my livelihood! My home and my family's life!
My sister passed on in 11/16. She was a single woman living in Texas in a single family home. Her mortgage as we thought was with Chase Bank. After her passing, we sent all the documentation, Death Certificates and other requested info (contact, mailing address) as requested by Chase. We informed them that we were in the process of prorating the estate and would provide them further information on that it occurred.
In February 2017 even though being in constant contact with Chase we received a letter from SPS saying that they bought the note and was now serving the loan. I could still call Chase dial in the loan number and get information so I took this as a scam. I contacted them, tried to speak to a person but was always just given the standard company line with no details.
My sister was in Chapter 13 at the time of her passing and there is different notifications and acknowledgment to that on her Chase and SPS documents. We would like to short sale the property and pay SPS what they were owed and when we called for her payment we were told it was $60,000 which is the original amount she borrowed 10 years ago.
Chase records show that she owed Chase $51,000 at the time of her passing and SPS can't and won't clearly explain where the extra $9 thousand comes from. They say that since the Estate hasn't made the last four mortgage payments that equals the $9K with penalties. Is anyone or has anyone starting a class action/consumer action suit. Who can you complain to? HELP.
I have been reading other reviews and can see I am far from the only one experiencing problems with this predatory company. From the very beginning and actually before they had my loan there was a problem. I made my last payment to Wells Fargo in Dec. as I was supposed to. I made it on time (I have records to backup everything I am saying) and yet I was assessed a late fee by SPS. They didn't even have my loan yet and assessed a late charge! And they did this several other times when even their own paperwork showed I paid on time.
But here is the biggie. They added more than 34000.00 to my balance. Why? They added the deferred amount twice. This amount would come and go on my statements. Explanation? None. Solution, I paid thousands of dollars and raised my payments over 250.00 per month after a refi, just to get away from them. Someone has to stop this company! DO NOT have any dealings with this company if you can help it. Run, run very far away!
HSBC sold us to these crooks. My son has been in the hospital twice, since March 2017. This last time to get his toe amputated, he is on a medical leave from a good job. Now we are getting short sell & lien transfer papers from them, at least 3 a week. These people do not want to work with us, they want our home. We've had it almost 13 years no problems till now. Please, any one know what we can do, though after reading these reviews I guess it's all a lost cause.
My home burned in a fire 3/16/17. My relationship manager put in a short pay offer. To this date the offer has not been approved. SPS requests documents daily which I have sent in a timely manner. They are only skilled at lying & stealing from what I've experienced thus far. I have made March, April, May & June payments while being homeless & harassed by SPS! They are totally incompetent! Zero Stars!
This my loan was transferred to this damn sorry company and they charges fees to make an online payment. It’s a damn shame to have to be charged to make a payment. You will have to mail the payment to prevent from paying excessive fees. I will do my damn best to get rid of I this company. EVERYBODY PLEASE RUN. Stay away from companies that charges to make payments.
My husband lost his job and unfortunately passed away at the end of the year. I applied for a Remod and had been on HAMP for 5 years. Even though my numbers showed I should have qualified for a new payment and for HAMP 2 they denied it and have me a repayment plan that is 62% of my income. That is their fair repayment. They are very difficult and often having had to fight in prior years due to unemployment for them to listen or work with us. This time they stated it's because of having been in a HAMP program and not meeting it they don't plan on offering any other and now the program has ended. They know the market is going up and so they are harder to work with than ever. Sad for my kids mostly as they feel they just keep losing things.
In August 2016 the remaining $19K mortgage on a ~$300,000 balance was transferred to SPS. It was always paid on time, but had been part of a consolidation in which Chase should have ceased charging PMI as the loan to value was very small. I proactively called Chase to alert them of the problem, but they having sold my account to SPS, told me to call them. I called SPS in August and again in September in advance of being billed and was assured by Melinda (?) that I was not being charged PMI by them, but would submit an inquiry to Chase about the previous charges. The PMI charge and desire to pay on time were the sole reasons behind my call.
The call was recorded and the details of the call were notated by SPS as was confirmed by multiple SPS representatives. Having been told that I was "definitely not being charged PMI by SPS", I continued to pay the day of billing electronically prior to receiving a paper statement and I paid in excess of the minimum payment. A couple months later I received a letter of decline on PMI refund. Having been assured PMI was not being charged by SPS and knowing the inquiry had been sent to Chase, I realized it was a result of the investigation with Chase and knew from past experience with Chase the nightmare that is Chase, but at least SPS was not charging me. Then around November, I decided to pay off the balance only to find that SPS had lied and was indeed charging me PMI.
It was only then after a couple of more months of "investigating" that they told me I would have to have the property appraised to determine if I could have PMI removed. I explained I paid what I felt I owed... Explained the only reason I called months earlier was to ensure I was not being charged etc. etc. I explained I was concerned in paying the disputed amount since they already were cheating me, but in a desire to obtain my release of lien, I paid. They then said they'd "investigate" again... Weeks passed before they said they didn't close out the account because of a $12 balance which in actuality I didn't owe either...
They owed me even more by this point... And again the "investigation" after months I have received a decline for return of PMI payments I called about in August of 2016 the one and only reason I called them was to ensure I was not being charged and they continued to charge through roughly the end of year. They owe me this inappropriately charged PMI about which they lied nor offered me a way to stop it despite have a ~3% loan to value for months.
This company sucks. I am attempting to obtain a payoff to close out my loan. I have made several requests over several days and still no results. Seriously? This is 2017... how complicated is the process. My suggestion is to stay as far away as possible from this company.
My primary mortgage was transferred to SPS from Ocwen about 1.5 years ago. Due to temporary financial difficulties, I got a little behind on my mortgage (60 days late). I am a working father of four and my wife stays home with the children and we had several unexpected medical bills come up. We didn't qualify for any hardships and instead were instructed to go into a "simple" 6-month loan modification process to catch up on our payments.
They sold this as the best option for us. What they didn't tell us was that for all six of those months, which we had paid an extra $150 on top of our regular payments, that my payment history would still show delinquent for each month. Had we known that, we would have dipped into savings to simply catch up. After numerous calls with very unprofessional and unhelpful reps, we were basically told that they couldn't help us with anything. They can't pull phone calls to find where my wife was told that the payments if made on time, would simply show on my credit report as such. Now, we are unable to pre-qualify for another mortgage with a reputable company because of the delinquencies, even with good credit.
Being on an ARM, they also decided to raise the monthly price of the mortgage to match the loan modification program that we just finished and which hurt us financially. We are in desperate need of a larger house but won't qualify for another year. It's my fault for not checking my credit during the modification process, but it's their fault for suckering my wife into the process without giving her a clear understanding that it would, in no way, benefit us.
We plan to get out from under this horrid company by selling our house and renting for a year, then qualifying for the home loan we really need right now. But we'll have to wait a year to do it unless we luck up and the disputes we submitted through the credit agencies can erase the delinquencies. If your mortgage switches hands to this company, be very wary of their underhanded tactics and take everything they tell you with a pound - not a grain - of salt. They do not have the consumer's best interests at heart, only their own.
SPS Inc purchased my account from HSBC. Their paperwork indicated that nothing would change. That was a lie. They changed my payment dates, amounts, and they took almost 2 months to catch-up my ACH payments, while charging me interest. I had to make multiple phone calls and requests to get it fixed. They kept trying to round off my extra payment amounts and change my due dates. Thereby, knocking me off my fixed budget. I had major overdraft issues. Later, I tried to pay off my deferred principle (balloon payment) and they refused to apply it toward my deferred principle. They told me that is not their policy.
Please note, my previous account holder had no such restrictions and was supposed to be honored when SPS purchased the account. (No Integrity) That was a lie! They refused to let me pay off the deferred principle. When I asked for an email, or PDF with proof or correction, they simply spun about their antiquated policy. I was with HSBC for 13 years and had little to no issues. Unfortunately, in only 2 months with SPS, there has been nothing but difficulties and issues with each payment. If you don't follow up, they will not make an effort to update you. I would not recommend anyone to continue maintaining an account with SPS. There is always an issue in their favor.
I know that writing this report is futile as SPS could care less about anyone. Reading even one or two of these reviews will let you know that. We have talked to several attorneys and they told us that they have worked with SPS and they want to push homeowners into foreclosure. According to my attorney, they buy upside down mortgages from banks. They push the owners over the edge by increasing escrow rates and interest rates. They refuse all attempts at short sale, deed in lieu or help for the homeowner and push until the owner has no other direction to go but foreclosure. Since they buy mortgages that are upside down and distressed to begin with, they blame it on irresponsible consumers.
At the foreclosure auction, they buy the house for half of what it is worth. They resell it for market value under a different name and come after the homeowner for the difference between what they paid for it at auction and what the homeowner owed them. My attorney said they have this down to an art and they always make money. He said the legal system protects them and there was nothing we could do.
We have been fighting with SPS since Wells Fargo passed our mortgage over to them. We moved. The property was upside down and after five years we couldn't sell it. We tried for a short sale. We got one offer and SPS rejected it. We got another offer 2 years later for exactly what the house is worth and SPS spent five months asking for the same forms over and over again. They blamed our fax and they blamed our email. I had 2 staff spend one week faxing and sending them documents. We sent the same bank statements 262 times. We faxed, mailed, and emailed the statements. My realtor sent the same documents 20 times.
SPS claimed they never got them despite us having staff that will testify and fax receipts and email receipts. They worked really hard to make sure that despite a good offer on the house, we couldn't sell it. We had good credit and zero debt. We are both professionals in the medical field. When we bought the house we live in now, my credit rating was 790. Since SPS took over our mortgage it is 450.
The first thing they did when they took over our mortgage was raise it from the 1600 a month we were paying Wells Fargo to 2200 a month. We have been paying 2 mortgages and had the house on the market for 5 years. We have had offers and SPS won't let us sell. We know that eventually we will have to let them foreclose and declare bankruptcy, but it seems obscene that one company can have so much power. They won't let us sell our property. They keep raising the mortgage. Eventually, they will push us to a point where we can't do it anymore, but our attorney tells us that is their goal and we should just declare bankruptcy now.
Every time I call them I talk to someone different who give me different information. They are literally the only debtor on our bankruptcy form. We can't afford to pay them the 200,990.00 our attorney says they will come after us for after the house forecloses. So we have no choice, but our credit rating was 790 when before SPS. They are the devil. Anyone who is stuck with them has no choice. No one would close this company, but what they do should be illegal.
I had a equity loan with Beneficial and was given to Select Portfolio. To my surprise my 15 year balance was changed to 30 years and increased rate 5.25 to 5.45 and the amount to be paid to Select over 30 years paying $130 each month in interest and $39 to principal vs $109 in interest and $140 to principal. This is **. I will pay it off and Select can find some other sucker.
I had been receiving information from SPS pertaining to the possibility qualifying for a loan modification. After losing my job I was being proactive in contacting SPS to inquire on the modification. While speaking to a representative by the named of Myra. She then informed me that account indicates one (1) month behind in payment. I asked which month, and she stated January 2017. I advised the representative that was false and went on to tell her that I had not missed a payment and could provide proof.
Myra asked me to fax the proof of the payment and how. She advised me to fax the information which will get it to her faster. Myra provided me with the fax number and I sent the information to Myra and Mr. ** who is supposed to be my point of contact. I have tried several times to reach out to both Myra and Mr. **. I called to confirm receipt of the fax and to my surprise no one could find the fax nor the request. SPS is now acting like Bank Of America who did the same thing to me earlier in years past which cost me over thousands of dollars. I refused to be caught in this fraudulent activity again. I am now seeking a Debt Collection Attorney and the Consumer Investigator.
My original loan was also sold to SPS for reasons unknown, and the nightmare begins. First, I have never escrowed, always paid my own property taxes for the past 25 yrs, but when I went to pay last year, I was told that SPS paid them. And of course, now they sent me a letter telling me my house payment was going up $700/month to create a escrow account and to pay back what they had paid. I didn't ask them to pay my taxes, and I was never notified that they had intended to pay my taxes, so now I am in the process of contacting my county tax officer to make sure this doesn't happen again this year, and I told SPS that in no shape or form will I be escrowing with them.
MY REAL PROBLEM: last year we had a severe hail storm that resulted in $27,000 worth of damage to my roof, home. My insurance was great, sent out a check for repairs made to us and to SPS. When we sent the checks to SPS for endorsement, we now can't get them to cut loose of the money. So for a year, they have been setting on $27,000 of my insurance money, of course without paying me any interest on it. They have made the contractors jump through hoops, fill out numerous amounts of paperwork, and still will not pay. How do you get a contractor to start repairs when you can't get the bank to give them their money agreed upon? This has been a daily phone call to them for over a year now, and I am no further in getting my house repaired. Then I get a letter from them telling me that I have a expiration date to get these repairs, and if I don't meet it, they will apply that $27,000 to my loan. I need that to be paid to the contractors for repairs!
3 months ago, we started the process to get out from under them and refinance with a local bank. Of course SPS doesn't cooperate with what they need, and out of the blue, I get a letter telling me I am 60 days past due on my payment. I immediately called them. I have never missed a payment, and wanted to know just where they thought I had not paid... NO ONE can tell me. All I get is "we will have to have another dept look into it." I asked them, "You can send me a letter, telling me I'm 60 days behind, but you don't know from when or why?" This company is a joke, they should be shut down. I for one am going to get my local congressman involved. Something needs to be done about them. Any advice?
Our mortgage was sold by HFC to SPS July 1, 2016. At that time our HFC statements reflected deferred interest of $11,771 from when we had been behind. When I contacted SPS in July via phone the audio recording told me the amount due and when; but when I talked to a person he was so "nice" and told me I didn't have to make payments for 60 days. I did make payments anyway. Fortunately our situation had turned around, we had equity and were able to qualify for a new loan which closed in December. If I had not made the payments every month we would not have been able to qualify for a new loan as you need 12 months of one time payments to get a new mortgage - so glad I didn't listen to the "nice" guy at SPS.
When we got our 1098 for interest paid at the end of July the 1098 only included the $9,000 we had paid thru payments not the deferred interest, they called it deferred principal and had it separated out on an attached statement. I called early February to get this corrected. I was told to file a claim with the customer advocacy department, I did. 30 days later John ** from SPS called me to tell me my claim was resolved - the $11,771 was deferred principal and the 1098 was correct. I told him he was wrong, he insisted he wasn't. Then I contacted HFC and told them my situation. Within 10 days I had a letter from HFC stating the $11,771 was deferred interest and they would contact SPS to tell them of the error. I faxed HFC's letter to SPS and had to open another "claim" with the advocacy department.
Finally May 5 SPS called me and left me a message to call them. I was able to talk to Erica ** at SPS who initially seemed as though she didn't know why I was calling and I had to tell my story. She looked at the records and told me that SPS calls deferred interest deferred principal because they are the same thing because interest doesn't accrue on deferred interest. I told her there is a difference, one is tax deductible and one isn't and they need to give me a revised 1098. She checked other records and couldn't tell me when it would be done. When I told her they were wrong, and if I can figure out a way I will file a class action lawsuit against them because they are ripping people off who probably don't know any better. She said they abide with the necessary regulations and I would have my revised 1098 by the end of the week. These people are crooks. I'm sure we are not the only people they have done this to.
Worst servicing company in the world. Had a short sale I could not save before the sale date cause it's been 3 months. They did the BPO months ago. We got second lien approval in 2 days all the while the BPO came in at the purchase price and they would not send us an approval letter. Excuses all the time we called them. You could never speak about the deal with the same person. There must be an ulterior motive why not to work with homeowners even though us tax payers bailed them out years ago.
I have been doing short sales for 9 years now and have never had such a rotten, time consuming, aggravating experience as these people have done to all of us involved. They hurt everyone involved for their own selfishness and greed. Someone needs to investigate them right away. They are messing with peoples lives for their own prosperity leaving a trail of destruction and devastating peoples lives behind for their best interests! Stay far away from this company. Don't get hurt by them. Run as fast as you can. They will devastate you!
Our mortgage was sold to this crappy company by HSBC. Like everyone else here it's been nothing but a nightmare from the start. We were ahead by 8 months with HSBC. This company will not apply that to the printable note will they move up my date so I can start paying now instead of in 8 months. They also in the meantime have sent us a bill for 12000. Due when our payments are due in 8 months. I have spent at least 10 hours on the phone and still have not made any progress. They tell me they can start the payments next month. They have now eaten up 3 months of what we were ahead and say it's going to be another month. Stay away if you can. They SUCK...
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