HSBC North America Holdings Inc. Mortgage Complaint

HSBC North America Holdings Inc. Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure Georgia

I few days ago a person from HSBC came to my home and I already star receiving letters of foreclose ans short-sale. HSBC is my mortgage company for over 10 years, since I acquired the loan I was never late before, but in - my financial situation change due to my Mother - done, I had to be out from work to take care her, my bills start accumulating since I was not getting pay the same. I got behind on the payments so I requested a loan modification to help me but the denied my application. I am the only person that works in my household. I appealed the decision but it was denied again without a valid reason. Moreover, they asked me to do a short-sale, I do want to lose my home. I asking the to check that I have special rider that is on my mortgage where states that the interest rate was reducing every year a 0.25 % at the anniversary of the loan since the inception of the loan in 2004. I am requesting to adjust the mortgage payment to the 4.3 % which it is my actual interest rate now, from the 7.50 % original when i got the loan. my mortgage payment never change I still owe $89.00 and I pay - monthly for the mortgage.