HSBC Mortgage Complaint

HSBC Mortgage department,

FHA mortgage Loan modification,collection,foreclosure Kentucky

We have lived in our home for over 10 years. We survived through the barrage of foreclosures in our neighborhood. 2yrs ago we applied for a modification loan with our lender HSBC. While we were going through the process, we had - - - different loan officers. It took forever for us to receive the modification packet. Once we received the paperwork, we immediately signed, had notarized, and mailed back in. About 6 months ago we were notified by our Bankruptcy attorney ( paying on a Chapter - ), that HSBC submitted $30000.00 in back payments, late fees, interest, and legal charges. When I contacted them, they stated that we were actually never approved for the initial modification loan. This was a new loan officer. I asked how we had been paying the modification amount for 2yrs, without any contact via phone or mail, as they had all of our current contact info. To this day he still has n't answered that question. Now they are offering us another modification loan, including the extra $30000.00, making our mortgage payment more than it was when we - got our fixed rate. We 're being punished due to someone on their end dropping the ball on our - modification loan. Our modification amount went from $1000.00 to $1600.00 a month. Our home is only worth $160000.00, but now we owe $220000.00 after we have been paying mortgage for over 11yrs.