Household HSBC Watch

Thu Oct 27, 2005 9:59 am      

I lost my job in 2003 due to carpal tunnel in both hands so bad that they stayed numb all the time. Then my boss fired me when I told her I was filing for Worker's Comp. I am still fighting the case and have not seen a dime.I had surgey that didn't help. I can not ever return to work. The atty for WC says wait to file soc sec disability so it doesn't affect my claim.

I contacted HSBC as soon as I started having trouble making my payments. First they said "we can't help until you are three months behind." I kept calling and getting further behind and they said"we can't help you unless you pay most of the arrears" Then they said"we are sending you to the legal dept." Next thing I knew I get an atty letter. Three days later a Summons for foreclosure.

I scoured the web and found NCRC. They said they would help. I sent the financials they asked for and a hardship letter. I kept e-mailing and calling NCRC and HSBC and couldn't get any answers. Then at the end of March NCRC sends me a letter saying if I don't sent the paperwork HSBC will continue the foreclosure. Supposedly the had "stayed" it. I sent the papers again. This time to NCRC HSBC and the attys for HSBC. Still no response. When I called NCRC they said "everything is fine Don't worry. We will add the arrears to the end of the loan and modify it for a lower interest rate. Use this time to get your other bills straight" HSBC said 'it's in the works or didn't have any info at all... call back later they said. So that's what I did.

I caught up all my bills, repaired my car, needed dental work, and needed a new washing machine. Then in July I get a notice of motion from the atty that they are going back to court. I never filed an answer from the beginning because they told me they were helping me and now it's too late. I frantically call NCRC and e-mail everyone there to get their attention. I get an e-mail right back that says"I will call you shortly "from the head honcho. He calls and says" he will take care of it" He hands me over to another person there who knows nothing of me" Lloyd London" and I have to tell him the whole story.The guy I was working with no longer works there and no one was taking care of my case. Guess what? He says HSBC wants the papers again.

So, I send them AGAIN. Then days go by....no response...e-mail,calls..get voice mail all the time. I call so much that the receptionist says tell me the message and I will personally hand it to him. STILL NO RESPONSE. I e-mail the whole place again and head honcho e-mails back" you don't need to e-mail the entire staff" EXCUSE ME !!!!! I think I do since no one calls back or e-mails either. Then he pawns me off again and Shawna Nelms calls me. Same story. She doesn't know my case. I have to tell her again. She says "ok I will call you back" I get confused now I don't know if she e-mailed or called but...GUESS WHAT AGAIN!!! HSBC wants the papers. OK I send them again.

Still no answer.. keep calling keep e-mailing. We are in Sept now and she first contacted me on the 22nd. Finally the 30th she says they want 13,000.00. I was so floored you could have knocked me over with a feather.This was the very first time anyone had any real response and it's for money when they told me before I wouldn't need any. I went nuts and after I calmed down I said" Ok if I send the money, then what? She says "they won't discuss anything until you send it" I said "are you crazy" I'm not gonna send any money without something in writing. She e-mails me later (Guess she didn't wanna talk to me anymore huh?) and says"you will be receiving a special forbearance agreement with Household in the next few days outling what is necessary blah blah blah...NEVER GOT IT....BIG SURPRISE.

I saved almost all the e-mails though.. Maybe they will help. So, now I'm going crazy again cause the Sheriff Sale is Oct 27th. I didn't even know they got a judgement and sale date. Never received a notice even though Illinois law states I should. So I contact ACORN. They said they would try to help. Had to send the papers again. They got HSBC to call me and they wanted more papers. I kept calling and e-mailing again and to no avail. Finally I talked to Acorn Oct 14th he says they want 11,000.00 GREAT can't do that either I already told them I could make one payment of 2000.00 I said what then? He says I'll try to find out they say we need the money first blah blah blah all over again. Then I call Corp Headquarters and ask for Loretta Abrams she supposedly is in charge of community reinvestment crap. I tell her I keep getting "stonewalled" she says" No you are not, I am aware of your case I will connect you to the head of Loss Mitigation". She gets me connected and this guy Jose says "We want 16,000.00 I say what? ACORN told me 11,000.00 He says wait let me look oh ok I say what then? He says"Don't quote me but we will restructure the loan to put the arrears on the end of the loan" I say what about lowering my payments? he says"No you don't qualify for that" I say when will my next payment be due? He says"November" I say Can I get this in writing? He says "Ill check"

What the heck!!!! I said I might be able to secure a pre-settlement loan which will charge me up the ying yang he says"ok when can you have it?" I say give me a week. He called the atty and changed the sheriff sale to nov 3rd. He won't give anything in writing. I called the attys office and verified the sale date. I don't really want to get the loan and pay so much in fees to have a mortgage that I still can't afford the payments on.

I'm trying to find an atty to talk to. I also asked if they would be paying my taxes since they will be sold in Dec. He said no. They paid last years taxes. I looked up some things online and found out my loan is subject to The Alternative Mortgage Parity Act. It says they have to send notice of default 30 days before foreclosure by certified or registered mail. They didn't. Is that a defense? They added force placed insurance too when I have my own and have had the insurance company contact them. I don't know what to do. Maybe Chapter 13? It's just that my WC case will settle soon since I was just released from medical care and then I will get straight.

I told them this and they don't care. The house is almost only 3 yrs old and the loan is totally upside down Why do they want it? I owe way more than it's worth. They have also continued to accrue late fees which is illegal in Illinois I believe. Sorry to go on so long. I could probably go on longer. Can anyone help???

Almost forgot.. I found an NCRC Newsletter. Guess I know why I didn't get help from them. They are HUGELY FUNDED by none other than HSBC....FIGURES!!!! Oh yeah, one more thing. This is killing my marriage. I can't eat or sleep. AND my van decided to give me a "service engine soon" light this morning and I think it's my transmission. I can feel it slipping and jerking.

I'm not gonna tell hubby right now... maybe tomorrow. Thanks for listening and god help us all. At least we have our health...no wait...not me.