HSBC Mortgage Complaint

HSBC Mortgage department,

Other mortgage Loan modification,collection,foreclosure North Carolina

I am currently working with - - Opportunities aHUD approved agent. We have been trying to lower my percentrate to allow me and my family to keep our home. I have hadseveral hardships over the course of our loan that has put meand my family under financial strain. We have been in the processfor a year and half now. Everything we do seems to be wrong. They have asked for check stubs, hardship letters, tax information, employer letters, unemployment information, bank statements, and credit reports. We have submitted theses packets at least - over the course of working with HUD. The packet was sent viapriority mail so that they would have a hard copy and and we would have a copyin our records. Everything we send seems to be missing or they can not read it. We have submitted paystubs again because they can not read what was sent. This time we have faxed again and submitted a hard copy priority mail. With a tracking number and signature needed again. Even my Hud agent isbaffled by the way Beneficial has handled our hardship. They have changed our pointof contact several times. When we finally received confirmation thatthey have all documents


even had us fill out - party forms - because theyclaimed that the formed expired even though it says it is good fora year. However, it expired after 6 months. Now they say that it is therepolicy they do not talk with - part reps. That she now has to talkdirectly to Loss Mid directly. Why do the rules keep changing. Everytime they call or send a letter it states how they want to workwith me and give HUD numbers and then they give us this completerun around. I have come to the conclusion that they think if they keepmaking us jump through hoops and basically giving blood test andnothing is going to work because they think we will just give upour home with out a fight. I love my home and will work hard to keep it. My percent rate has been a 10 %. I have already basically paid for myhome once and with percent rates as low as they are you think theycould help us as they state every letter and phone call. All I amasking for is a lower percent rate and obviously a lower payment some and my family and keep our home. We are a working family. I work anywhere from - to - hrs a week. I am not on welfare. I paymy taxes and make donations to those in need. What else dothey need. Please help