Consumer complaint received 2015-05-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, I feel like I am being victimized by XXXX mortgage companies and my bankrupt attorney. I do n't know what I owe or who I owe it to. I guess Beneficial /HSBC XXXX still my mortgage company. I can not understand the terms of my loan due to getting conflicting information and different answers to my questions. Due to huge medical bills we had to take a Chapter XXXX Bankrupt and we entered into a modification agreement with Beneficial on XXXX XXXX. The terms of this agreement was : Current payment XXXX to go down to XXXX, current interest rate was XXXX to go down to XXXX, term was life of the bankruptcy. In XXXX XXXX, we entered into a new agreement with Beneficial. Terms : payment XXXX, interest rare XXXX. Term was life of loan. Agreement was effective XXXX XXXX with our XXXX payment which was made to Beneficial. Then without prior notice, I received a letter from a XXXX XXXX XXXX that said " Notice of Sale of Ownership of Mortgage Loan and XXXX was the new Mortgage Co. So, I began making payments to XXXX in XXXX XXXX of XXXX and confirmed with XXXX at that time the balance was XXXX, XXXX. I continued my payments until I called to make the XXXX XXXX payment XXXX XXXX refused payment and said that they had no record of this modification agreement and to send them documents and to contact Beneficial. Then in XXXX XXXX, I received a motion of relief from Beneficial. So I contacted my Bankrupt attorney to find out what was going on. I was told there was no XXXX modification on file and it was Beneficial who filed the motion for relief. Since then, I have made numerous phone calls to XXXX and Beneficial. I have faxed in the same documents over and over again. The documents always seem to get lost, or ca n't be found in their system. Right now, I dont ' know who my loan is with, how much I owe, what the payments are, what the interest rate is or anything. So, since the motion of relief had been filed and I did n't want to loose my home, I followed my bankrupt attorney advise which was to put down {$1000.00} of good faith money and Beneficial would put past due payments at the end of loan and XXXX payment of {$1100.00} would start in XXXX XXXX, if not Beneficial would demand all past due money be paid and might proceed with foreclosure. On XXXX XXXX, I gave the {$1000.00} to my attorney 's office and again asked them the about terms of my loans and was told when they settled on XXXX XXXX with Beneficial lawyer they would get all the terms of the loan. I explained to the mthe payment of {$1100.00} was a lot higher than either XXXX of the modifications and it should n't be. I asked how would the {$1000.00} be applied to my account, to past due payment or to the arrears. Imagine my surprise when they said it would go to pay Beneficial lawyer fees XXXX their fees of {$250.00} would come out of my bankrupt payments, as well. I do n't understand that if Beneficial sold the loan to XXXX in XXXX XXXX, how can they file a motion against me in XXXX of XXXX. Why was I allowed to make payments from XXXX XXXX - XXXX XXXX ( the first XXXX with Beneficial and the rest with XXXX ) at the modification rate and now they 're raising the payment to {$1100.00}. I 'm writing to you in hopes that you can help me figure out once and for all the terms of my mortgage and I do n't think it 's fair that I had to pay {$1200.00} in lawyer fees for a situation that was not my fault. I was making my payments according to the terms of the agreement. I am stuck between XXXX mortgage companies and a bankrupt attorney and no one agrees with the other. I do n't know what to do. Please help! ( p.s. I do have copies of all my agreements, letters, notes, etc. if you need to see them. )

Company response to consumer: Closed with explanation