EJ in Iowa said: “I have had a mortgage with HFC Beneficial since 1996. At that time they had their appraiser do the appraisal and it was for $85,000. We bought our house and land from the owner and had a contract. It was for $35000. We had done a lot of work to the house, but $85000 was very inflated.

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KS in Virginia said: “NEED IMMEDIATE HELP FOR HOMEOWNER with HSBC loan who is being unnecessarily forced into foreclosure due to HSBC short sale department’s punitive action. I am a real estate agent who has been trying to sell a client’s home for the last two years.

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CG in VIrginia said: “HSBC has now created the icing on the cake. My friend is a realtor and she has been working on a short sale for a client to keep the house out of foreclosure. After 6 months of trying to find a buyer, they got a contract $20,000 higher than any other offers that had started dribbling in.

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DS in Kentucky said: “In 2004 we took out a second mortgage on our property for $35,000. I recently found out that Kentucky Law requires that an appraisal be done and also verification that the Borrower is able to repay the loan to reduce predatory lending — no appraisal was performed on the home prior to the loan.

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DC in Tennessee said: “I have had my payments to Beneficial coming out of my checking automatically. This is a mortgage. I have noticed for the past several months they are taking a mortgage payment every 20 days. I am being charged interest twice in one month.

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