HSBC Mortgage Complaint

HSBC Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure Minnesota

We contacted our mortgage company last -/-/-, because of hardship and becoming behind. They would not help us, and depmanded a higher payment of $500.00 plus more dollars, making a payment for us of $1800.00, or Foreclosure would happen, and they pulled our permanent modification from us during our phone call. They also had been taking unauthorized payments for a few months of this higher payment amount from our credit union account for a few months, until we had to change over to a new account. Also in -, we had gotten a housing counselor to help us with trying to reslove our problems with iour loan between us and our mortgage company. We worked with her for about - months, and she could not get anywhere with them, as she has been trying to get them to get us on the Hamp Two Tier Program, because the mortgage company knew well many time and for years, that I am on - -, and though my husband works fulltime, he is going through a work comp. case, himself, and we qualify for this mortgage program. We had not gone into Foreclosure until we were notified in - of this year,


our mortgage company since - of this year, but have had many conversations and were promised to get our Foreclosure stopped. The action on the Foreclosure stopping was around the end of -, early -, The mortgage company came to us and told us that originally, we had owed around $17000.00 from the past approximate year 's past due loan payments, including interst, plus fees. THey were going to force us to pay this to get our home back. On the same day, they called back and told us that we only had to - of that, being $6300.00, and then our home would come our of Foreclosure, and the rest of the fees would be waived, and that the check be a cashier 's check, be sent over night, and that would get all of this in writing per our request. We has over a - conversations and promises, and when we sold a car to get all of this done on a timeline to saveour home, they did not follow through still. They waited to send us the paperwork after the check was cashed, and it was n't written out like we were told and were promised. Two days later, they sent another letter, demanding us to pay the remaining balance of the past due amount of the $17000.00 due by approximately - -, to get our house back. We do n't have this money. We also have not signed anything new for our old permanent modification loan, and are hoping to still be considered to get the Hamp Two Tier or Tier Two. We are dangling at this point, and out of that money that they cashed. We previously had a Sheriff Sale date for Just this passed - -, but it was stopped. We currently have a represenative from the MN Attorney General 's Office helping us with this matter.