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Has anyone out there lost their home or had problems financial with HSBC Mortgage Company? Looking to start a Class Act law suit for innocent people who have had unresolved problems with HSBC Mortgage

Conan the Librarian replied: "I recommend contactiung the Better Business Bureau to find other people who have filed complaints against the company You should be able to find every single person who is unhappy with HSBC, and then you can get a very large group of people together to procede with your suit. Good luck!"

HSBC is my mortgage company. If I foreclose, will it affect my credit in other countries? I have a condo in the US (Florida). I want to move to Europe or Canada. But HSBC is located all over the world. If I foreclose in the US, will it affect my credit in other countries?

wizbangs replied: "Yes. Credit histories follow you in an international market."

HSBC raises mortgage rates, I'm sure they're hurting? HSBC is one of the largest and most aggressive banks in the world. Maybe if they hadn't tried to soak everyone with their credit rates, they wouldn't have had to raise their mortgage rates? I wonder what the profit margin is on MSBC?

Eddy T replied: "Maybe they are slowing down in there mortgage business. Now they are aggressive with credit cards."

Rick replied: "i think its certain 2% up"

Anyone have a mortgage loan modification from HSBC? I am currently corresponding with my company HSBC by phone. I stopped paying 5 month's ago due to hardship. They encouraged me to apply for a mod instead of going into foreclosure. They are asking me to make "qualifying "payments which I have begun. My problems is lack of trust-I have no guarantee in writting and am afraid they wil suck my money up and send me to foreclosure anyway. This will only be a 6 month mod and rhey cannot guarantee the rates until the Qualifying payments have been made .Has anyone had any dealings with HSBC mortgage services???

Ed Atun replied: "Yes, they agreed to allow 6 payments to be skipped. The payments would be added to the end of the loan. Then they offered to forgive the 6 payments completely. Send in your qualifying payments. It looks good on your credit.."

HSBC Mortgage company is pull one over on me. Do you believe that I should take legal action? I can't pay my mortgage, so 3 months ago I started the obama plan which would lower my interest rate. So I sent in all the paper work required proving that I could not pay at my current interest rate. Unfortunately they spent allot of time processing the information as time went on they required more and more information I finally sent in all the required information and now they are saying that that I will have to start all over again. At this point I can not afforded to wait any longer.. I have come to the conclusion that they actually want me to go into foreclose. Is this a false assumption? 1 second ago - 4 days left to answer.

Fatso replied: "Yes, it is a false assumption."

OldJimmy replied: "Generally a mortgage company does NOT want to foreclose on you if there is a chance of salvaging the loan and keep it in a paying status. They do not want to go to the expense of foreclosing, and having to sell homes; they are not in that business. So I suspect that there is something else that might be affecting your process. I know they are backed up with people applying for these modifications and it is a slow process. Realize also that they are only going to be able to modify your loan to the extent that they end up with a good loan again. If you can't afford your loan unless they forgive half your debt and reduce your rate to half of a percent, they will just say "no" and then foreclose if they must."

Anyone work(ed) for Beneficial Mortgage Company? HSBC? I interviewed for an account executive position with them today. They seem excited about bringing me on but I am concerned about this position because of the mortgage industry. I want to hear from people that have worked for Beneficial Mortgage or know about them. Is this a good company to work for? Are the sales quotas reasonable? When answering, please tell me if you have worked there, worked in the mortgage industry or how you know what you know about the company. Thanks!

Sky replied: "I have not worked for Beneficial, but I do currently have a mortgage with them (which I do not recommend). But you can check out this watch dog site: and read what other current employees and ex employees are saying about this company. I understand the economy is crap right now and getting a job, any job is better than no job, but please do more research before you say yes. And you don't have to just take my word for it, just Google this company and you will get several hits. Also, you might check with your Attorney General's office, FBI Website under Financial Crimes, your local Better Business Bureau, Pissed Consumer.com, ConsumerAffairs.com etc... Hope this helps and Good Luck! ---Sky"

Does anyone know if HSBC mortgage is good about giving loan modifications? my home loan was sold to them about two months after i got it . I have a first and second, and have been with them for two years, my rate adjusted in october, and will continue to rise every six months-i can no longer afford it. i went to nevada fair housing assoc. and they wrote up a proposal for me but i haven't heard anything-that was 2 months ago. my credit score is 620, i don't think i can refinance back to a 7.5 rate, which is what need to stay in the home.

Hayley replied: "If you are making payments on time .. you need to call them asap.. tehy should be able to hold the current rate or the rate before it changed. Didnt GW bush just sign a new law about this? If you are not ontime , pay something and get caught up.. either way just contact them,, if it will end up being a hardship with the increase they will msot likely work with you ... it will be fine but call asap .. do not wait!"

operababe_61 replied: "Banks don't seem to be very excited about doing loan modifications. Even though it's not in their best interest to foreclose on the home, I bet there are many more foreclosures each day than there are loan modifications. I've got a lot of foreclosures for sale (I'm a Realtor) that were from HSBC so I'm guessing the answer is no. Have you considered a short sale?"

has any ever financed a mortgage with HSBC ? did they play tricks prior or during closing?

Sami V replied: "Yes! What tricks - hat tricks? As for closing, well, all banks impose a charge if one closes within the stipulated time limit!"

Jennifer A replied: "Yes I financed through them and they raised my interest rate on me and I did not think that they could but they did. They also called me repeatedly for payments that were already made. They suck."

liquid_storm_2003 replied: "I've had good luck with HSBC (my house loan is through them). They've always been pretty understanding if a problem came up and I haven't had any problems getting an answer out of them when I had a question. When you close, all banks charge a "closing fee" and that fee varies and they do have to disclose that fee to you at the time of the loan, it should all be in the contract you signed when you took out the loan. Sometimes they refer to it as a closing or "balloon" payment. If you've had other problems, PLEASE let me know about it so I know what to expect!!!!"

which is better? mortgage deal from HSBC or halifax? We are now stuck with 2 mortgage rates from 2 banks and need your help in deciding. The following is what's available for us:- HSBC: - 2 yrs fixed @ 5.83% - mortgage for total of 15 yrs - 35,000 investing - mortgage of 105,000 - 918.60 per month repayment( for 26 months/2 yrs) - total expense(eg. fees, valuation etc) is 684 Halifax: - 3 yrs fixed @ 5.62% - mortgage for total of 15 yrs - 35,000 investing - mortgage of 105,000 - 872.86 per month repayment( for 39 months/3 yr) - total expense(eg. fees, valuation etc) is 1394. Which one would you go for? We have no any other options than this so please help us decide. Thanks for your precious time.

Gar replied: "They will all screw you in the end. Buy a boat"

dunrobin46 replied: "I'm too lazy to do the sums but your answer is surely the one that will have cost you less at the end of the mortgage. How much will you have paid HSBC at the nd of 15 years? How much will you have paid Halifax at the end of 15 years? The lowest amount is the one to go for. EDIT In fact why not ask each company straight out "how much will this whole deal cost me if the mortgage runs it's full course?""

jombi replied: "How do they both adjust? All other things being equal they will both have cost you the same at 15 months at which point you'll start saving if you have gone with the Halifax package. Again though, how they adjust is important. Good luck."

Andrea L replied: "hi please go to HOUSEPRICECRASH.COM they will help you. or rent till september time then house prices will have droped. i would do what Gar says buy a boat!! good luck"

Kel M replied: "Personally i would go with the Halifax deal"

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