Consumer complaint received 2015-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MN)

We contacted our mortgage company last XX/XX/XXXX, because of hardship and becoming behind. They would not help us, and depmanded a higher payment of {$500.00} plus more dollars, making a payment for us of {$1800.00}, or Foreclosure would happen, and they pulled our permanent modification from us during our phone call. They also had been taking unauthorized payments for a few months of this higher payment amount from our credit union account for a few months, until we had to change over to a new account. Also in XXXX, we had gotten a housing counselor to help us with trying to reslove our problems with iour loan between us and our mortgage company. We worked with her for about XXXX months, and she could not get anywhere with them, as she has been trying to get them to get us on the Hamp Two Tier Program, because the mortgage company knew well many time and for years, that I am on XXXX XXXX, and though my husband works fulltime, he is going through a work comp. case, himself, and we qualify for this mortgage program. We had not gone into Foreclosure until we were notified in XXXX of this year, XX/XX/XXXX. We got a letter from an attorney representing our mortgage company telling us we were Foreclosing, and had no prior contact for payments on the loan, except for very few collection calls, and only basic company generated letters. AS of now, we had lots of phone tag playing from our mortgage company since XXXX of this year, but have had many conversations and were promised to get our Foreclosure stopped. The action on the Foreclosure stopping was around the end of XXXX, early XXXX, The mortgage company came to us and told us that originally, we had owed around {$17000.00} from the past approximate year 's past due loan payments, including interst, plus fees. THey were going to force us to pay this to get our home back. On the same day, they called back and told us that we only had to XXXX of that, being {$6300.00}, and then our home would come our of Foreclosure, and the rest of the fees would be waived, and that the check be a cashier 's check, be sent over night, and that would get all of this in writing per our request. We has over a XXXX conversations and promises, and when we sold a car to get all of this done on a timeline to saveour home, they did not follow through still. They waited to send us the paperwork after the check was cashed, and it was n't written out like we were told and were promised. Two days later, they sent another letter, demanding us to pay the remaining balance of the past due amount of the {$17000.00} due by approximately XXXX XXXX, to get our house back. We do n't have this money. We also have not signed anything new for our old permanent modification loan, and are hoping to still be considered to get the Hamp Two Tier or Tier Two. We are dangling at this point, and out of that money that they cashed. We previously had a Sheriff Sale date for Just this passed XXXX XXXX, but it was stopped. We currently have a represenative from the MN Attorney General 's Office helping us with this matter.