GP in New Hampshire says: “I have a mortgage with Household Beneficial. I got behind but then my mother caught me up. However, not only was my mom’s check credited to my account but to another account as well. I did not know of HSBC’s mistake until February, when they said they were going to foreclose on me. Mr. Golden of HSBC Finance Corporation was very abusive. I was able to make one payment and have always been running two payments behind ever since. Now they are sending me letters, but not calling. When I try to call them back no one ever answers my call and they never return my call. I asked that seeing this was their error, not mine, could they bring the account current and we go on from here. Mr. Golden said no, “because I tried to steal money that wasn’t mine”. I told him it was a mistake that I knew nothing about until he contacted me. Furthermore it was their (HSBC’s) mistake. Now I live day to day praying they don’t foreclose.”
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My husband and I went through over 2 years of payments to Beneficial on a mortgage they never should have approved us for, and like this person, we kept trying to work something out with them, but to no avail. We tried to refinance elsewhere, but found out the mortgage was more than what our house was worth. Through the suggestion of the CCCS, we are doing a “Deed in Lieu of Foreclosure”. We can’t afford the mortgage, and this is the only way out for us. We have moved into a lovely apartment that is less than 1/2 the mortgage cost without all the headaches! Goof luck to you… Deborah