HSBC Mortgage Complaint

HSBC Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure Virginia

Hello, I feel like I am being victimized by - mortgage companies and my bankrupt attorney. I do n't know what I owe or who I owe it to. I guess Beneficial /HSBC - still my mortgage company. I can not understand the terms of my loan due to getting conflicting information and different answers to my questions. Due to huge medical bills we had to take a Chapter - Bankrupt and we entered into a modification agreement with Beneficial on - -. The terms of this agreement was : Current payment - to go down to -, current interest rate was - to go down to -, term was life of the bankruptcy. In - -, we entered into a new agreement with Beneficial. Terms : payment -, interest rare -. Term was life of loan. Agreement was effective - - with our - payment which was made to Beneficial. Then without prior notice, I received a letter from a - - - that said


- payment - - refused payment and said that they had no record of this modification agreement and to send them documents and to contact Beneficial. Then in - -, I received a motion of relief from Beneficial. So I contacted my Bankrupt attorney to find out what was going on. I was told there was no - modification on file and it was Beneficial who filed the motion for relief. Since then, I have made numerous phone calls to - and Beneficial. I have faxed in the same documents over and over again. The documents always seem to get lost, or ca n't be found in their system. Right now, I dont ' know who my loan is with, how much I owe, what the payments are, what the interest rate is or anything. So, since the motion of relief had been filed and I did n't want to loose my home, I followed my bankrupt attorney advise which was to put down $1000.00 of good faith money and Beneficial would put past due payments at the end of loan and - payment of $1100.00 would start in - -, if not Beneficial would demand all past due money be paid and might proceed with foreclosure. On - -, I gave the $1000.00 to my attorney 's office and again asked them the about terms of my loans and was told when they settled on - - with Beneficial lawyer they would get all the terms of the loan. I explained to the mthe payment of $1100.00 was a lot higher than either - of the modifications and it should n't be. I asked how would the $1000.00 be applied to my account, to past due payment or to the arrears. Imagine my surprise when they said it would go to pay Beneficial lawyer fees - their fees of $250.00 would come out of my bankrupt payments, as well. I do n't understand that if Beneficial sold the loan to - in - -, how can they file a motion against me in - of -. Why was I allowed to make payments from - - - - - ( the first - with Beneficial and the rest with - ) at the modification rate and now they 're raising the payment to $1100.00. I 'm writing to you in hopes that you can help me figure out once and for all the terms of my mortgage and I do n't think it 's fair that I had to pay $1200.00 in lawyer fees for a situation that was not my fault. I was making my payments according to the terms of the agreement. I am stuck between - mortgage companies and a bankrupt attorney and no one agrees with the other. I do n't know what to do. Please help! ( p.s. I do have copies of all my agreements, letters, notes, etc. if you need to see them. )