Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
My husband XXXX XXXX. Their loan was with Beneficial in XXXX XXXX which closed their offices and moved to XXXX, XXXX. Their home was a tiny manufactured home on a acre with well and garage. XXXX and his Dad and neighbors built it 40 years ago. He raised XXXX kids with his wife, XXXX, there. He was getting bills from Beneficial and XXXX XXXX in XXXX, XXXX and other probably other servicers who were promising to " take care of their mortgage ''. Which means sell their home. I was the familys friend for over 30 years, but I did n't know their finances. I did know they always struggled to make ends meet. XXXX was the least expensive XXXX in town. He would work for free and XXXX no one else would. We dragged so many cars off XXXX and got the people ... often families to other states at the expensive of our run down vehicles. I should know, I helped people with broken cars get as far as XXXX. He deserves a chance to keep his home. Because XXXX passed and she was on loan ... I believe the new owners of the loan ( or servicerswhoever they are ) made sure the home sold online to XXXX. I faxed them the death certificate, affidavit of death and my power of attorney. I was told the place had to be sold ... it was in foreclosure in XXXX and I am now doing research on it. The debt and looming foreclosure killed XXXX and it almost killed XXXX. XXXX. We became engaged and married two years after XXXX passed in XX/XX/XXXX. XXXX said there was a life insurance policy from Benificial. The note was in XX/XX/XXXX for {$63000.00} and now he owes {$65000.00}, so I ' ; m thinking it 's one of those predatory loans made to steal your home. It was his primary residence ... a rundown mobile. I tried different avenues, HAMP program ..many times Save Your Home XXXX ... strange things began to happen which hampered our return to his land. I am going to send in the information on this loan that I received under separate cover. I am hoping you can do something about the illegal happenings concerning this transaction. I am certain the attorneys who work for the parties involved will admit to no wrongdoing ... especially because the loan was so small. We are small town people who never made big money here..we also trust people to do the right thing. I complained that my dispersal of my mobile home loan was wrong ... enough to make it impossible for me to get a permit to live there. A nice man meet me at a government office where I went to complain and told me the young men involved ( XXXX-XXXX ) were too young to go to jail. Well, now that we 've suffered financially from all these young people who have acted like vultures with us elders and been thrown out of our primary residence for their financial gains ... I will tell them ... we are too old to sleep in motels, hotels and outside. We have no interest in assisted care ... we would like to enjoy our retirement without going bankrupt and having huge debt. We help elders who live outside because they do not trust anyone. No attorney can know the personal XXXX one goes through when an XXXX loses his tiny piece of land he 's put all his labor into. I scored well in XXXX XXXX and my parents were XXXX. I know XXXX and I had our tiny pieces of land stolen and we 're going to make sure it does n't happen to other folks. Since we are XXXX, XXXX and poor ... .we are the perfect target for these greedy paper pushers ... brokers banks and servicers. When will it ever end?

Company response to consumer: Closed with explanation