WM in Hong Kong sent this interesting complaint: “PLEASE HELP ME AND FORWARD MY CASE A URGENTLY
I have been bullied by the HSBC Recovery Richard Lo using JSM Law Firm who will not liase except via Leagl Council, my Lawyer will not follow my instructions to appeal this foreclosure.
Feb.13,2009 High Court Hearing to foreclose on my property for non payment of monthly mortgage that was not approved for relief release.
Oct 14, 2009 Labour Tribunal Hearing Date of ,
Oct. 13, 2009- High Court hearing for a stay of Judgement for HCMP 2191/08 dated Febuary 13,2008 regarding what I refer to as a miss -trial as I was not legally represented and present in the wrong courtroom as per the Originating Summons I had Forwarded to the Lawyer who I was negligent in my Employment matter from The Bailiff’s Orders for foreclosure of my property
Please help me I need urgent credible honest legal professional, I am being bullied by HSBC notices to move up the for close on my property why?
Because I am close I had to return as I am continued to be Bullied from HSBC.
I advised I was on a Training course and required an extension to foreclosure after completion of my Simulator Nov 30, 2009.
I later get an email from the Debt Collectors whom I should not be dealing with but they keep shifting me to another name at the end of the phone, this Richard Lo this time play with me change their mind send email after email phone calls pushing my buttons generally bulling me.
I am really upset about this it is a lot of money $4-5M at stake my home, my security all I have left in the world.
It is far from a closed file for me, it is wrong the is a history leading up to this and the fact I am being treated as though I am negative equity is in fact exactly what is being covered up.
Richard Lo at the HSBC recovery is not a professional banker he lies to me and jerks me around defames me with comments like people like you should not live in my Flat in Repulse Bay, usual debt collector will not let me talk because he is covering up something they have done wrong.
I cannot speak with anyone at HSBC only these ..
The last change; The date of foreclosure moved 3 times within 8 hours why am I having to do this because they know Richard will not refer this whole mess to the High Court then to the court of Appeal do anything to stop this and bring the corruption to a head.
On Friday I was being played like a fool. JSM will not talk to me only my Lawyer, and my Lawyer will not help me, Mr Catley is not in town and I am bullied wasting hours on emails and phone calls to the point of NO WAY this is not even close to a banking practice procedure of foreclosure I am not a Lawyer and I am 100% sure that it has gone too far.
Friday more foreclosure threats went from an original Nov.23 to an agreed Nov 31, and email at the closing time brought forward to
NOV 18/09 WITH A CLOSING MESSAGE ADVISING THE BANK (not hsbc) and it is HKMC not JSM who are putting the pressure on(reason is conflict of interest because the stupid Debt collector reported to me it was JSM and JSM got my emails and had to change up the story.
Please bear with me, I have a reason for telling you for 2 reasons 1- I reported to HKMC this and my account is not covered under HKMC the HKMC rep. told me she said I should have been automatically refinanced and HKMC do not have my account.
I have been advising HSBC from day 1 of this scam of “0 Pay No Benefits Sick Leave”when I was candid with HSBC and required reschedule of payments and relief from HKMC so I could use rental income to justify a new mortgage payment plan until I could claim for my Insurance policies indicating in place I showed them insurances and job offer expecting my Medical back with the email from Cocks requiring another report from Prof. Poon I unfortunately trusted him on that and accepted the fact that HSBC would not do any refinance to ensure my home equity is safe and their mortgage will be as well I had 7,8M on my mortgage then HSBC value was 10.5, BOC was 12.0M.
UNDER THE CATHAY HOME OWNERSHIP BENEFIT ALLOWANCE THE EMPLOYER MUST RESIDE IN THE PROPERTY AND CANNOT REFINANCE TAKING EQUITY FROM THE MORTGAGE FINANCE.
MY HANDS WERE TIED WHILE I WAS BEING PAID BY VETA AS PART OF COS AND RECEIVING MY APPROVED MORTGAGE MONTHLY ENTITLEMENT (taxable) OF $58T.
Please ask someone to help me take care of this HSBC $5M matter for me, I do not want compassion or Revenge only my HR and whatever banking practices and personnel to be adhered to so I am protected from the corruption that has and will prevail we are talking serious personnel real estate that has 45% equity to be managed not by low life street Debt Collectors why by the way told me when CK Mak from the recovery Department brought over some people fro mainland and told me all I can afford is 1M flat for my family.
Our home it is the only thing we have left in the world plus we have accrued equity of + 45% LVT
NO REASON a aggressive of move to foreclosure particularly with the events of The CAD recovering my Medical to validate my HK Pilot License in order to retrain at my costs to be employed asap, so under the circumstances of the Economic Climate and Real Estate Market and Trends liaison with JSM, HSBC cooperate affairs and HR and Reporting to the Head office HR Department
This is all I have to save in my life of abuses of Power and Authority resulting in a defamed career for the last thing in the world I have is my home and equity.
that this commitment to my home mortgage is not in any way linked to an issue that Veta Negligent handling of my dismissal (not to mention I am on sick leave) with minimal notice via post no less and no Doctor appointment or Sick Certificate I request through my Solicitor who did not ever consider asking for one, I only asked because it was part of the Insurance claim requirements.
HSBC ramping the Foreclosing my Flat after lying to me saying HKMC was the reason I cannot refinance and get rental contract permission immediately following my candid advise to HSBC my Medical was reinstated and I can now retrain for Employment expected on Training completion I had Prime Credit lined up for $14.5M refinance for 30 years at 3.75%.
HSBC with interest penalties and the $44T principal payments I do not require I now know 8.8M+300(richard)+200(citibank)=$9.2M
14.5M – 9.2M = $5.3M RELEVANCE IS SALE PRICE 16-14M HSBC valuation is now $13.0M my mortgage schedule that they would not change is today @ $6.8M with the high principal I am being charged for in penalties and commitment so realistically a court should see the big picture and issue direction to settle or direction to settle at today’s market forces to at the the lowest point in the economy of 2008.
HSBC is always low in valuation tools my building is off thier scales not available for values at this time.
even at $13,0M I have the home equity available to refinance at $6.8M + 300T + 200 = $7.3M mortgage Value $13.0 – $7.3M = 5.7M equity 47%
HKMC made me give the names of the Recovery bullies I told no I do not trust anyone I need something in writing for record she said not for HKMC to provide this anyway you are not HKMC and she will send this case to someone for investigation.
So now we have HSBC on record lying to me about HKMC requiring foreclosure.
HKMC said my mortgage should have been automatically refinanced outside HKMC” that was the comment before a back in a minute that took 10 minutes.
I know they are provisions for interest only for special cases such as mine I know there are;
HSBC refer to it as Relief packages Hardship assistance shot Term arrangements payment difficulty options.”
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