HSBC Mortgage Complaint

HSBC Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Pennsylvania

I have a mortgage through House Hold finance Member of HSBC Group. I am wondering if I qualify for some kind of relief due to predatory lending practices? I have paid this company approximately $110000.00 since -/-/--/-/-. I still owe $66000.00 for a property that is assessed at $69000.00. I have no equity built up so that I could refinance with another banking institution. No one will help me get away from this lender. The local branch office closed years ago. There is no one to contact any longer. I think the home office is in -. I really do not know.The last time I spoke with someone, it took weeks because I had to use regular mail. The phone numbers on my statements only lead to menus and not a person to speak with. The web site is a joke of looped links that offer no help.They told me that I can not refinance with them any longer because there is no equity. ( No kidding! They absorbed it! ) Are you able to direct me on what to do? I do n't want to lose my home and am close to retirement ( - years ).