HSBC North America Holdings Complaint

HSBC North America Holdings Inc. Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Oklahoma

Nonrenewal, Other, Premium Notice/Billing, Unsatisfactory Settlement/Offer Other Reason - : Accounting Breach Implied Covenant of Good faith *Details of the Complaint : Starting on - - - the - day of -, the Insurance company has delayed the Mortgage payments to the extent of causing extra fees and deferred interest among other charges to make the pay-off a larger amount than when the - began.After the insurance coverage limit was reached at $ - on - the next - statements indicated $00.00 owed for those months. Then in - - a statement came saying to start making payments of roughly $1000.00 per month again.I made those payments and they were not applied anywhere.Though I did notice that the deferred Interest amount had increased by almost the exact amount that those ( - ) payments I made totaled.I then sent them a QWR letter requesting documents and an explanation.What they sent back was evidence of their wrongdoing over the past 12 years since we started the mortgage including the - periods broken into 24 month segments.They basically kept sending continuance of - forms and rejecting them and saying we needed to fill out a different - in order to delay paying

They even sent - letter back saying that my doctor ( - - was not a real doctor even though they had accepted her forms for over a 2 year span.She is a real doctor - or was at that time.So I had to get a new doctor to fill out the continuance forms. At that time I was -. The situation caused - on me and my wife.- I did file for a Chapter - Bankruptcy and it was discharged -. I did not reaffirm the Mortgage.I am faxing several pages of documents for your examination of the problem. I just want the amount owed to be right and them not to be allowed to cheat us as they have done to several million people over the past - decades.Please feel free to call me with any questions or more documents. I have hundreds of pages of letters and statements. Please help us out if you can. Thank You, - - -