“My husband and I refinanced our home through HSBC less than 2 years ago. Both my name and my husband’s name was on the loan, and we specifically implied, and were assured that the real estate taxes and the insurance would be included in the mortgage -it was the reason we wanted to refinance in the first place. Both of us signed the loan papers. A couple of months later, I had a question to ask HSBC, and when I called them, I was told that they could not speak to me at all, because my name was not on the loan. They had removed my name from the loan, without telling us about it. That was the first thing they did to us.We had been with them for a few months by this time, and we kept getting notices from our real estate taxes, saying a large payment was due, but that if our taxes were included in our house note, to ignore the letter, which we did, because we were assured that our taxes were now included in our note. We called them to make sure, and they said Yes, your taxes are included in your note. After over a year went by, I called, and found out that they had NOT paid our real estate taxes that they were supposed to be paying all along. We called to throw a fit, and were told “Oh, sorry - we found out after you signed the loan that we just couldn’t put both the taxes and the insurance on the mortgage, so we just put the insurance.” Strike two-they took my name off the loan, and now they didn’t pay our taxes!