HSBC Mortgage Complaint

HSBC Mortgage department,

Conventional fixed mortgage Settlement process and costs New York

My wife and I refinanced our mortgage -/-/- with HSBC. While at the closing we were informed this was a consolidation, modification? My wife and I were originally under the assumption this was a complete refinance of our mortgage and paying off our line of credit. We started to review our paper work and start to research what should have happened. We were overwhelmed trying to make sense of the laws and regulations for mortgages. We then started to speak with an individual - - - - we met through someone else and he helped to explain this very complicated process a mortgage and promisary note are " suppose '' to go through to be valid. -/-/- we ( my wife and I ) decided to sit and speak further - because we were concerned about the future of our mortgage. - sat with us and began to explain what we could do to request the information from HSBC and the laws they ( HSBC ) needed to comply with. Shortly after meeting - he started writing letters to request things to validate our mortgage. We continued to pay our mortgage and requesting information from the Mortgage Company HSBC. They were not compliant in providing the things we asked for. We are looking to file a complaint against HSBC-Mortgage Services Center for not complying with the " Fair Debt Collections Practices ( FDCPA ) '', " Real Estate Settlement Procedures Act '', " - - Act and violations of the - Reform and Consumer Protection Act.