HSBC Mortgage Complaint

HSBC Mortgage department,

Conventional adjustable mortgage (ARM) Loan servicing, payments, escrow account Ohio

Our mortgage was initially written with - - - - on -/-/00 with an interest rate of 12.82 %. The loan was sold to HSBC Mortgage Services shortly after and the interest rate is 12.25 %. I have tried to work with HSBC repeatedly over the years to get interest relief but they will not budge. I was recently advised that when the mortgage was sold to them, we signed a form stating that we agreed to pay interest at a rate of 12.25 % or higher, but never lower so they are holding us to this ; HSBC recently sent me a copy of this. I do n't remember signing this form but, being a first time homeowner, if we were given forms to sign, we did. We are current on our mortgage and have been for well over a year ; we had problems in the past. We have tried to refinance several times with other companies but, due to past credit problems, we have been unsuccessful. We are working diligently on improving our credit so that refinancing might be able to take place at the beginning of 2016. Is there any way you can intercede to get HSBC to lower the interest?