HSBC North America Holdings Inc. Mortgage Complaint

HSBC North America Holdings Inc. Mortgage department,

Other mortgage Loan modification,collection,foreclosure Missouri

I have has a second mortgage with HSBC since -/-/2006 at the rate of - %. I have paid my mortgage on time but, after all these years my loan amount have only decrease only by $4000.00, and on top of that at the present time I work only part time and my spouse is on a set income. We have request for HSBC to extend our home modification on our loan because of our circumstances have not change. The modification was for only - months before it ended. This is the interesting part about my situation. We received a loan to update our home for $39000.00 about - years ago. I pay $460.00 for - and half years and the rate of the loan only decrease to $35000.00. This mean I will never pay this loan off. I have pay them if my math is correct we have pay a total of $44000.00 for the total of the - and half year. I have pay this loan off with an additional $5000.00. This companies have railroad people for years and need to be put out of business. This is truly example of predator lending because you are trap unless you let go of your home. Is there something that can be done for financial companies such as these.