Personal Injury Resources

I'm ready to join as well.
I purchased a TV at Tweeter's in January of this year (2008) taking advantage of a 12 month no interest no payments promotion.
Several months after the purchase I started getting phone calls from HSBC's collections department.
I've explained over & over again to these people about the promotion, faxed documents, etc., and that I had even recieved a letter back from HSBC acknowledging the promotion & stating that all has been corrected to reflect it (i.e., all interest, finance charges, etc, had been removed).
Everything was fine for a little while & then all the calls & letters started up again.
Every time it's someone who doesnt seem to know what's going on there & I have to go over it all again.
Now my credit score has been adversely affected!!!
Their latest letter / phone calls state that I now owe over $4700 (original purchase price was $4053).
HELP!

I won't go into details. HSBC - Best Buy -reported I was sent to a collection agency. I still get statements from HSBC-Best Buy every month - account current- no deliquency. Called HSBC - lady said , "opps we made a mistake." Asked for correction in writing and correction credit buresus - DEAD SILENCE> NO RESPONSE - NOW IMPOSSIBLE TO DEAL WITH.

I'm also interested in a class action lawsuit. I'am having the same issues with HSBC.

count me in to..my husband had a life insurance policy for $250K from HSBC and it was denied today 10/6/08 and my husband died in may-they kept dragging their feet 'investigating' when they had the autopsy reports from the start and would not give me any updates when I was calling to check on the status of the claim! my husband died from natural causes. I am so upset right now I can't type. They will say it is because he did not have the insurance for 2years I bet(the supervisor today said I will be receiving a letter in the mail). I am looking for an attorney to take on HSBC life insurance-does anyone have any names to give me for an attorney who wants to take on my case?

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Relationship Manager Head

Ben Lampard
Retail and Private Banking.

Our mortgage being sold to HSBC was the worst thing that ever happened. We were gullable enough to take on an interest only loan that had a two year no refinance without a heafty penalty. The payments, the contract stated, COULD go up every six months according to changes in the prime interest rate. Prime has only gone down by my payments in 6 months went up 1200. We inquired about programs and with HSBC to aid with converting to a fixed rate but were consistently told, "We can do nothing for you until you are delinquent." Of coure our response was that we were doing everything possible to not become delinquent. In the end the home went to short-sale and we are left with owning $87K on a home we don't live in. HSBC had the opportunity to conduct sound business and act in good faith to a customer but choose a different route. I spoke with an attorney about the terms of the short-sale agreement and was advised to have it ammended. HSBC became irate and threatened to pull the agreement. I offered a class-action suit and they became even more incensed. Nothing would make me happier than to be party to a class-action suit against HSBC. Please let me know how to sign-up.

HSBC has made me cry...... Many times. Please count me in to take them down. chely@ymail.com

We too would like to join a lawsuit. This company needs to be stopped dead in their tracks!!! Just yesterday my son had his fourwheeler repossessed (7:30 pm) and then they came back first thing this morning and repoed his street bike. Not only do they "double dip" and get unwarranted penalties added on to your loan balance, they "double dip" by coming out twice so we have twice the amount of "fees" tacked on to everything, making it almost impossible to get the items back. My son has been charged late fees numerous times because he didn't "make his payment within the seven day window" they allow you to make them before the payment is either applied to the principle (because the payment was paid to soon after the last payment-even though it's a different month) OR because the payment was deemed late because the payment didn't make it to HSBC in time.

I know for a fact my son has tried everything to work out payment options with HSBC, but nothing was acceptable to them...after all...if suitable arrangements were made...they couldn't make all the money they make each month.

One more food for thought....the guy who came to repossess the fourwheeler last night told us he has picked up 30 "units" already this month. That is 30 units in only 9 days!!! No wonder HSBC isn't more agreeable to "workable solutions" for the customer.

Linda

I have dealt with HFC for 9 years now and they have harrassed me to no end. The most recent one was, in July I changed my due date and changed the date for my EZ pay. I had the date changed from the 5th to the 20th. They took the payment out on Aug 20th but NOW are claiming that I owe 2 payments and owe late charges. They have also started calling me numerous times a day AND emailing me too.
I say lets STOP them in their tracks!
mzd1963@hotmail.com

HFC did a 3rd mortgage for us which we could not afford. They caught us at a time when we were having financial difficulties and told us not to go through a credit counselor as that was almost as bad as a bankrupcy. They did not do an appraisal, and gave us 125% of the value of the home. This caused extreme financial problems. Does anyone know how we can file a suit against them. I don't even know where to start. Thanks

We too had a mortgage loan with Beneficial... My husband lost his job and we could not keep up with the payments we were catching up and they just kept tacking on fines and what ever they could. We went into forclosure and they took the house. They ruined us they wouldnt even let us try to get things fixed. If anyone gets in contact with a lawyer please let me know cause I think that it is time for the little people to give back to big business and they need to be shut down.

I dont have enough room here to tell how bad I have been ripped off by HSBC retail services suzuki!! They have cost me alot of money!!!

Where do I sign up? Those people are monsters!!! I lost my Mom Aug 15,2003, she had a mortgage loan with Benefical. I contacted them then they told me to send the death certificate in and everything will be taken care of. 2 months later I get a forecloser notice. They wouldnt recognize for at least 20 months that my Mom was even dead! They even send Invoices to me Addressed to DECEASED Maschack. HOW APPALLING!!! How could anyone do that? After a couple more months I was able to convince them to close the account and remove the lien. They did it really quickly for some reason. Maybe cause I had a giant lawsuit in my hand that read DECEASED? I hadnt heard anything after that for a couple of years. Suddenly I get 3 calls in 2 weeks demanding I make a payment to Benefical. This person had my Moms Name, Account number, My telephone number, the date the last payment was made and how much it was. So, I call them today to tell them about the calls and I also wanted to know a few other things. Now, I am really wondering alot more. I want to know who the person was that changed my Mom's name to DECEASED for one...!!! Also who has been calling and if its not them who is it and where did they get this information from? If I couldnt even convince them who I was and my Mom was dead because of the strict privacy they have, then how is someone else able to get this info when I couldnt? I have some real issues with Benefical. Disgracing my Mom's good name for starters. These people need to pay.

I dedicate this Post to my MOM, Theresa.

http://sec.edgar-online.com/2008/03/03/0000950124-08-000994/Section36.asp
check this out this is one of the owners and access to their politcal contributions

count me in too on a Class Action Lawsuit. They lie and change the contract after you have signed it. Mine changed 3 times from a Line of Credit to a secured loan then to a revolving acct. How can that be legal????????? They must have powerful lobbyists.

I have contact OCC, FTC, Bank of Nations, BBB HSBC resolution, I even contacted Attorney General Roy Cooper
HSBC sent only two of the letters to Bank of Nation they mailed me but not the last one showing all the fraudulent documents mailed + they didn't send over where the disability & credit life was cancelled.
My house goes up for sale tomorrow.
One reason I am highly upset & refuse to pay HSBC is due to the date I finance with them 7/2/97 is because that was the day my daughter's half of her face was bitten off by a dog & HFC knew about it & acted so concerned

Please review the document showing
correspondence sent by HSBC stating I had my mortgage with them 11/1995
My mortgage papers closed from Saxon & Meriteck thru 9/1996.
My mortgage papers showing when I finance with HFC 7/2/1997
Cancellation of credit & life insurance however it was added into my loan & deducted from a home loan
My credit report showing opening date of HFC, Saxon & Meriteck.
I am now am being forced to evacuate by 6/17/08 due to monies due me & I refused to pay HFC due to fraudulent documents sent to me
I am requesting for HFC/ HSBC to give me until the end of the month to move out if possible.

Regards,

If anyone is going to sue HSBC please let me know.I have my own
bone to pick with them regarding a Bike Loan.

Thanks,
Jennifer
redraven0214@gmail.com

I am having the same problem with HSBC, however this s regarding an auto loan. They have reposesd it once and now have thrown me in collections regardless of me making my payments on time.. and so on.. THE POINT IS I RELATE TO ALL YOUR STORYS AND WANT TO DUE SOMETHING ABOUT IT, PLEASE EMAIL ME

I am also interested in any class action lawsuits regarding HSBC and their HFC affliliate. I had to file a Better Business Bureau (BBB) complaint against an HSBC account they had assumed from another company. They were calling and harrasing me and my family daily and on weekends and even called my job for no valid reason. When the collectors called they could not explain to me why they were calling, as the account was up-to-date. I am now quadrupling the requested monthly amount to give them no reason for not applying funds to my account. They would add in exhorbitant fees and add in amounts to ensure the account appeared over limit. I am disgusted with both companies because of their bad business practices. I did receive a written and verbal apology after filing the complaint and the issues were partially resolved. They never did apply back exhorbitant over limit charges to my account. I was told my account for HFC would never be reduced despite the fact that I am paying the requested monthly amount, if I continued to send the minimum payment due each month. I am now sending them additional funds to apply to the balance. This has been a stressful time for me and my family. The calls have stopped and I am reconsidering re-opening up the BBB complaint against the "revolving" account to ensure my hard earned money is being applied and reflected in the monthly balance.

I too have problems with hsbc finance, they are making harassing calls, everyday they say I owe a different amount, I have proof I dont right from their web site. I recently notifed the attorney general , and I'm not going to stop until we're in court. I'm seeking counsel, I have proof of the harassment. they can't win, especially harassment on my employers phone line. all calls are traced and monitored, when I tell them they are being recorded they hang up!!

We are expericing most if not all the same problems. We live in Columbus, Ohio. My husband and I would like to join the class action in taking down these evil devils. We have nothing but problems our payment have jumped up by $500 a month, plus they claim we own back payments from our excrow for taxex and insurence. They lied to us about addition money we had in our account whci was over payment they claim, we ask for it back in a check and was told it would take 7 to 10 days. Whe we called them back they told us they applied it to the principle. We are still waiting for a refund from the insurence they were takin out of the escrow. We already have insurence thur Allstate. Please contact us so we can be included too. Our email: RFlax@runbox.com

My husband lost a great paying job @3 years ago. We had refinanced our home 1 year prior with Oak Street Mortgage(who by the way is now bankrupt and out of business). Our loan was sold to HSBC. Little did we know at the time that we had had an over inflated appraisal. We had to file bankruptcy. That did not help, then HSBC was raising our payments, tacking on fees and demanding a balloon payment. They were forcing us into foreclosure. My husband's uncle is in real estate. He tried to contact the company several times, as well as a local bank representative and a real estate attorney. All of the calls were dead ends. No one on the other line had a clue about how to work with us in our situation. By the time that we were able to contact someone who might could help, we were told that it was "too late and the home would be auctioned off." We even had an investor who was willing to pay fair market value for the home. NO DEAL we were told. They were demanding the amount of the loan plus interest which caused the loan to be upside down by @25,000. They foreclosed on our home which we owned for 18 years. No one purchased the home at the auction and HSBC retained the home. By the way, the home was recently sold by HSBC's real estate company to a friend of ours for @40,000 below market value. That is 65,000 below what they were demanding from us. And people wonder what is wrong with our economy. If these big banks would take the time to listen and help those in need. Maybe something could be done. As for the class action lawsuit. Count me in!!!!What do I have to lose. They have already taken everything I had.

My husband lost a great paying job @3 years ago. We had refinanced our home 1 year prior with Oak Street Mortgage(who by the way is now bankrupt and out of business). Our loan was sold to HSBC. Little did we know at the time that we had had an over inflated appraisal. We had to file bankruptcy. That did not help, then HSBC was raising our payments, tacking on fees and demanding a balloon payment. They were forcing us into foreclosure. My husband's uncle is in real estate. He tried to contact the company several times, as well as a local bank representative and a real estate attorney. All of the calls were dead ends. No one on the other line had a clue about how to work with us in our situation. By the time that we were able to contact someone who might could help, we were told that it was "too late and the home would be auctioned off." We even had an investor who was willing to pay fair market value for the home. NO DEAL we were told. They were demanding the amount of the loan plus interest which caused the loan to be upside down by @25,000. They foreclosed on our home which we owned for 18 years. No one purchased the home at the auction and HSBC retained the home. By the way, the home was recently sold by HSBC's real estate company to a friend of ours for @40,000 below market value. That is 65,000 below what they were demanding from us. And people wonder what is wrong with our economy. If these big banks would take the time to listen and help those in need. Maybe something could be done. As for the class action lawsuit. Count me in!!!!What do I have to lose. They have already taken everything I had.

Count me in if there is a law suit against this company. HFC/HSBC is nothing but a rip-off company.

im down. call me 3233025287 if you guys sue this evil company ill hop on board. they ruined my perfect credit score and it was all their fault.

email me for class action suit stop talkin about it lets find a lawyer and do this thing
macbaloni@comcast.net

i am also interested in a class action lawsuit. my story is the same as everyone elses so i won't go into it. please feel free to call me or email me.

TinaVaRealtor@aol.com

for those who would like to know how to mess with this company I can tell you how and what you can do. Plus it will not look pretty on there end.
Ex-employee

I will tell everyone here that there is power in numbers there has to be something done, My husband and I are going through alot of the same things you are, REPORT TO THE BBB, and the state attorneys office and who ever else if they see how big the problems they will take action. PLEASE REPORT TO BBB

We have had a ton of problems with HSBC as well, We are on an adjustable which clearly states it MAY increase every 12 months no more than 1% from what we where paying in the last 6 months per our RIDER. They increased my loan by 2% HSBC has no regards for our IN WRITING CONTRACT. I have called them on it and advised them that they are breaking a written contract and this is not what we signed up for. The gentleman on the phone was very rude, when I asked to speak to a supervisor I was transfered form person to person was never assisted for about 2 weeks.
I have since stopped making my mortgage payments because I could not afford such a dramatic increase in my payments and I'm now facing foreclosure.
They know they can walk all over the little people and its very sad. I need to win the lottery so I can sue the living S@#t out of them.

To all of you who have complaints against HSBC mortgage. File your complaints with the attorney general in your state and with the Illinois attorney general in which HSBC's corporate office is located. A class action lawsuit against such a large corporation, such as HSBC, is basically ludicrous. By the time the case is settled and judgement placed against this corporation, either HSBC will be bought out or the company totally restructured to avoid possible legal litigation. I agree, HSBC is probably the most crooked corporation is our nation. However, being one of the top three banks in the nation, good luck getting legal representation to fight their corporate lawyers. Let the attorney general fight our battle.

To all of you who have complaints against HSBC mortgage. File your complaints with the attorney general in your state and with the Illinois attorney general in which HSBC's corporate office is located. A class action lawsuit against such a large corporation, such as HSBC, is basically ludicrous. By the time the case is settled and judgement placed against this corporation, either HSBC will be bought out or the company totally restructured to avoid possible legal litigation. I agree, HSBC is probably the most crooked corporation is our nation. However, being one of the top three banks in the nation, good luck getting legal representation to fight their corporate lawyers. Let the attorney general fight our battle.

HSBC ARE CROOKS I BOUGHT A HOME IN THE BOOM AND MY HOME EXPLODED IN VALUE I CALLED GREEN TREE MORTGAGE AND WAS TOLD ID GET 6.5 PERCENT ON A LOAN TO PAY OFF VEHICLES AND REFI HOUSE CLOSING I GOT 8.25 AND MY FIRST PAYMENT THROUH YOU KNOW WHO HSBC WAS 800 DOLLARS OVER THE TRUTH IN LENDING WHY CAUSE THE DOPES ADDED THE TAXES AND INSURANCE WRONG DIDNT PUT A CUSHION IN THE ESCROW ACCOUNT DURING THE REFI AND I GOT STUCK WITH ALMOST 4000 DOLLAR PAYMENT ON A 385,000 LOAN HAD TO REFI AGAIN TO GET OUT OF IT AND SAVE MY HOME AND GUESS WHAT OF COURSE HAD THAT PRE PAY PENALTY LOST ANOTHER 12,000 REFINING THEY STOLE MY HOME EQUITY FROM ME AND NOW WITH THE MARKET CHANGE IM UPSIDE DOWN THE AMOUNT THEY STOLE EXACTLY I OWE 416 FROM 385 HUNDRED THOUSAND ADD THAT MATH UP AND TOOK NO MONEY OUT THATS HOW MUCH THE REFI PUT ME BACK IF SOMEONE IS SUING I WANT TO SUE TO I FEEL THEY OWE ME THE PREPAID BY PURPOSELY WITH HOLDING COST OF ESCROW INSURANCE AND TAXES TO MAKE THE ORIGINAL REFI LOOK MORE APPEALING THAN IT ACTUALLY WAS I WOULD HAVE PAID MY CARS OFF ANYWAY BY NOW AND IVE PAID MORE THAN THEY WERE WORTH 5 TIMES OVER SINCE REFIING PLEASE SOMEONE SHUT THIS PLACE DOWN
DIRTY CROOKS IVE PAID BACK THE AMOUNT IVE OWED IN THREE YEARS WITHOUT THE PRINCIPLE BALANCE GOING DOWN CRAP ITS GONE UP 25 K
THIS COUNTRY BLOWS

I have a loan for 10,000.00 with beneficial which is Hsbc we are in court. because my husband got sick would could not pay. I called them they said they would resturucture and they did. They add when all of it to the interest. So when I made payment it was all interest. They filed suit and we now no that there was ins. that they put on with out me knowning but they took off the account after all the interset pilled up.they got a judgment for 13,914.49 and i had paid 6200.00 that did not count.

Just like many of you, we have major problems with HSBC too. They have tried to put our house up for foreclosure twice. This is the third time and they succeeded. My daughter and I have to move out, and now we are currently struggling to find a place to live. They screwed up my credit so I can not refinance, I have to pay 500 dollars to get my credit straight to get another house.

It started when I got sick in Oct. and fell behind, me and HSBC agreed on a date to makeup payments and pay everything in full. That day was Dec. 31 2007. I went to Western Union, paid the full amount. The next thing I know, I got a Realtor calling me telling me my house had been sold and he bought it. Now he is trying to sell it back to us. I told him that was impossible since I paid the full amount in time. Well just like the rest of you, HSBC lied and said they had not received it nor a confirmation number, then they turned around and said, they don't even know what I am talking about that they didn't make the deal. Then they went on to say, they never got any payments. I called Western Union and talked to them about the payments and what was happening and come to find out the reason why they kept saying I was late, because in Oct. 2006 they never even took my payment. I had 3000 dollars sitting at Western Union and it is 2008?? They have been denying my payments. I have gotten a lawyer and have filed charges, I am suing HSBC. I have also filed charges so that the State of Tennessee can do and investigation.

They need to be brought down...
I am not resting until I receive justice.
Feel free to contact me:
esyencedvon@yahoo.com

Donna (Tennessee)

I also had problems with HSBC. They charged me $35.00 a month late fees for 2 months ($70.00), even though may payments were on time. They did however reimburse me for that I am thankful. They wer trying to explain to me that I did not understand their billing cycle. They were not getting my understandng that I paid 3 times in theses 2 months all ahead of schedule. I will cancel this card.

We have had a very bad experience with HSBC and would like to join in a class action law suit against them.
They load up late charges that aren't due! They charge for identity freud insurance (and 2 different accounts for it!) in spite of the fact that we told them over and over we don't want it, even called the identity theft company ourselves.
Hopefully, tomorrow I'll be able to pay this company off in full. However, I want this company put out of business!
What they're doing to us is criminal!
Let us know if a class action lawsuit begins!
Thanks,
Dave and Virginia Blood
Madison, Tn

I have also nothing but problems, as mentioned previously by some others, we have credit issues now, and it is always the same months they "don't get payments" I stopped mailing them because not once did they ever receive it, odd since the checks would get cashed, but those late fees sure did add up. Also I would call and get confirmation numbers that they couldnt find in their system and was charging me an arm and a leg on these fees when in fact they never did their part and take the money out, so no matter how you pay, they wont get it. And best of all they just repossessed my car on a sunday night, mind you i have work and 2 small children, and when i called their answer was, ready for this ITS ACTUALLY OUR CAR AND WE CAN DO WHAT WE WANT WITH IT! all over disputed late fees for them not taking money out of my account and then giving me a bogus confirmation number, so i told them to keep it--and the stress is gone, but now again our credit sucks, but i would rather it suck without the headache of HSBC, just hearing it makes me sick. I am ready to sign up for a class action suit PLEASE LET ME KNOW AND WHERE TO SIGN, THIS COMPANY SHOULD BE STOPPED, WE ARE A 2-INCOME WORKING POOR FAMILY WITH BAD CREDIT--THANK YOU HSBC

These people are out and out CROOKS. I cannot believe that the government has not put a stop to them. Companies like HSBC are what the RICO laws are for! How many innocent people have to be destroyed before something is done. The web is full of nightmare stories about this bunch of sleeze balls.

I have a morgage with these crooks:
From the start (3 years ago) I had them debit my account EVERY WEEK for my payment. When I called to stop it, they told me I was behind and I would need to give them 1200 to catch it up or I would be a month late. When I told them they are the ones that have been taking the money for the payments, how can this be...I was told I should pay more attention to my statments. This is why I had them debit my account, so I would forget and get behind.
I did ask one time why my statement said I was late and I was told thats just how the system was, dont worry about it.

I have complained to the BBC regarding HSBC's ridiculous Mortgage Insurance Procedures. You have to send them proof of insurance (which is paid for a year in advance) every quarter, followed by their BS that they never recieved it and here's your new predatory rate insurance bill from our insurance cohorts to make sure you're covered.
They shred all correspondence from customers daily; lie, cheat and steal anytime they think they can get away with it.

They sold my note to Avelo and added unauthorized escrow fees despite no escrow authorization--taxes and insurance paid in full since incept.

Yes, I'd like to report improper escrow advances (in other words embezzlement of funds from my account) of about $700 as possible fuel for class action litigation.

Is anyone having difficulty with HSBC's pay by phone service? We phoned in a payment to their automated service in September and received a confirmation number. The transaction wasn't processed and I was called 10 days later by their collections department. I checked and verified that my payment did not clear the bank, however when I requested the late fees be waived citing my confirmation #, I was informed that they had no record of it (naturally, since the transaction also had failed), but that the format itself was not one they used! When we appealed via fax for a refund and submitted multiple confirmation numbers in that same format, we were denied and told that they were not valid. What do you do? Confirmation numbers are provided to protect the consumer in an electronic transaction for which there is no printed receipt. When a company denies that it exists - where do you go for resolution? I've received this confirmation number in this same format for the 36 months I've been paying via their phone service. Interestingly, the confirmation numbers in their archive simply contain the account number and a payment number that increments. Obviously, the phone system confirmation you receive is not updated in this record. To me, it borders on fraud and provides no protection to the consumer. I'd be interested in hearing from anyone else that has had a similar problem and been charged late fees from HSBC.

I am in trouble with HSBC also! they signed me up for a 2nd mortgage with out doing a appraisal on my home. I am unable to refinace because of the second mortgage. I thought this lone was a reqular personal loan. Has this happen to anyone else and what where your solutions!

I currently have a loan through HSBC and have had nothing but problems.I applied for a loan of $9500.00 and got it all was fine until I got my 1st bill. It had a $17.00 insurance charge. I called and asked them to remove it and they told me that I needed to send it in writing.(fine) So I faxed the letter to the number they gave me. On the next Statement it was on there again with a late charge,because i didn't pay the last insurance charge so i called again and again and again. it has now been almost 4 years and they still have not removed it and have charged me alot of finace charges and late fees. THis loan has killed my credit.there are alot of other issues i have had with them. way to many to list. If anyone is bringing a class action suite against them please e-mail me .

Gary
Lynn Ma.

My wife and I have been having some pretty bad dealings with HSBC since May of 2007. Our payments have ALWAYS been on time, and suddenly our payment went up 120 dollars a month with no notification. Turns out HSBC overpaid the property taxes, and when the county paid them back, they failed to credit our account. It took 3 months to credit our account, and they wanted us to pay late fees! Here it is August, and this situation has yet to be completely resolved. Another issue is that my wife was originally the only one on the account (because I was in school), and we refinanced when I finished. Somehow or another, her name was taken off the account when it was supposed to be in both of our names, but now refuse to speak with my wife without prior authorization. Every time I talk to the mortgage company their policy changes on authorization of 3rd parties. First, all I have to do is tell them she can do account transactions but then 2 days later the policy changed and now I have to send in paperwork through fax. Tonight 8/21/07 I received a call, but was not home. My wife took the call, and when she mentioned that I wasn't home, the account rep proceeded to give account information to my wife. Now how is it that if you are trying to get the company to credit your account, they are adamant about speaking ONLY to the accountholder, but if money is supposedly owed to them they can divulge your account information to whomever they please!? We are ready to talk to a lawyer about the situation, because we have repeatedly tried to resolve this situation, and we don't want our credit to be affected. If anyone has any questions, PLEASE feel free to e'mail us at shannoncerra@comcast.net

My mortgage was sold to HSBC is 2003, from the beginning there was big problems.. Automated service not reporting payments. They have ruined my credit I was in the 700 now below 400's. My wife is not aloud to Refinance and or Buy my home is a short sale. HSBC refused to modified my loan.
They said they could, but never did. HSBC is in violation on TIL, RESPA, and my note rate is way
over the index cap of 6.00 % I was a conforming borrower. Our 2nd lender HFC Beneifical which is OWN by HSBC, FORGOT to order or do a AVM appraisal before financing my loan (2nd). This is one manying reasons WHY I cannot refinance on Home. I am upset down on my home value....I would like to help in anyway I could in a Class Action Sued.

Robert Burley
517-563-9160

Well HSBC has caused tremedous heartache in our home. We sent them a cashiers bank certified check on Feb 28, 2006 12 days later we were posted for foreclosure! We had to file bankruptcy to save our home where my husband and I live with our 5 children. My husband has gone to Iraq to make better money so we paid off our bankruptcy early. We have been discharged and now HSBC is trying to send me back into foreclosure and it is starting all over again. I received a court order disallowing their Proof of Claim that they filed in my case and now it is starting all over again! The stress from all of the first wrongful foreclosure has cause major health issues for myself. I also had a miscarriage from the stress HSBC has caused. I want them out of buisness for good!

I recently sent two checks to GAP and Bananna Republic. Unfortunately I used checks within from a closed HSBC account that was closed. WHen I got notice of non payment of my gapa nd bananna republic accounts I called HSBC. They had posted many charges. I explained the mistake and the person I spoke to agreed to wave all charges but a 13 dollar service charge he said could not be waived. I then found that they used my $81 dollars as fees and cancelled payment to my gap and bananna republic accounts again. I also had explained to the parties at HSBC that I have a visual problem and used these checks in error. I have been documenting my problems with this bank and I am interested information regarding lawsuits against this bank. Thank you

I'm all about shutting the company down. I had a equity loan for 1 year and it was a problem from the start. They miscalculated my 1st payment and then sent me a notice to pay a diferent amount than on my statement, after that there was always problems. I closed the account 8/06 and they reported it open until 03/07, when I demanded that they update the account they then added a 30 day late payment for 8/06. How the hell do you add a 30 day late payment to a account 7 months after it was closed?

Im also having problems with hsbc I have refinanced just to get away from past exsperiance and 2 months later they bought me from the new lender haveing the same problems there not paying my mortage insuance witch is in my contracted also my 15 day grace period dosent exsist all though my contract states it I recive numeris calls for payment before the first and after very rud employees have sent them many copys of contract just like the past showing them I have a 15 day grace period payed many late fees for nothing just to keep my credit good the same thing goes for my home owners inc never recived refund from the past my gole this time is to recive everything they owe me this time Ill probubly spend a lot more on atterny fees then what they owe me but mybe the next person wont get screwed like me and im shure many others have had same problems

HSBC is threatening to throw me & my daughter out into the streets over a $7500 homeowners policy they allegedly purchased from SafeCO back in 9/06. I was allegedly sent a copy of the policy is 11/06, which I never received. In 12/06, they wanted the entire balance paid in full. I got Allstate to send them a $2400 policy & they backed off when I copied a CA referral to the State Attorney's office. Now they want the insurance premium of $3,000 for the few months that they allegedly had another policy with SafeCo. or threaten to proceed to foreclose on my property. This is extortion & blackmail. I will bring suit against them & shut them down for their blatantly criminal activities at the first opportunity. I am in Florida & will be opening up a website for others who are in the same situation.

Hi! We are going through the EXACT same problem right now regarding our Nov. 2006 payment. We have faxed and faxed and done ALL of THEIR homework for them. They REFUSE to cooperate, refuse to let us talk to the Cash Dept, and recently sent us a Forclosure letter. NICE! We are completely current on all mortgage payments (1st and 2nd) and this is the ONLY company we have repeated problems with! PLEASE LET US KNOW if you have gotten anywhere w/ a lawsuit. We TOO are ready to fight. This should not happen to anyone else!!!!!!!!!!!!

Becky (Minneapolis Area)

I'm writing regarding a company by the name of HSBC Mortgage. This company has ruin my credit and refuse to help me resolve the problem. I made a payment on October 15, 2006 through the automated service. Two weeks later I receive my November statement showing double payments owed. When I called the company to complain and ask why the payment was not received, I was told that it was a computer problem and the account number I entered was off by a couple of digits. I called Corporate to see if they could correct the problem. But a person by the name of Stasha Bailey stated "there was nothing she could do to remove the 30 day late off my credit report." I explain that this was not the first time I've had problem with there automated service. When I ask to speak with the top Executive Corporate Officer they refuse to give me any information and would not put me through. My credit score went from being above 650 to 553. I extremely upset and I'm ready to fight. I need everyone who has had problems with this company to come forward and fight with me. If there is already a class action lawsuit against this company then please email me. If not then all who are tired of Mortgage companies destroying your credit, please join me in started a class action lawsuit against HSBC Mortgage. Having good credit means everything and when a company only cares about ruin your credit score, what does that say about that company. HSBC is only is the business of taking peoples homes not helping them! My email is dlcammon@hotmail.com Thank You.