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The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm sameday loan or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer First I would suggest your review the BK 13 file to see how much of your debt was put into BK 13 and if HSBC has filed any motions in your case. Please also include any fees and or charges to the loan and the reason for the fees or charges. I am not an attorney and my comments should not be used as any type of legal advice. Seek your own attorney in your own state to best protect your rights. Our loan was actually through Lime Financial and was sold to HSBC. We are currently under the short modification, which I am not sure what the interest rate is, I tried to go online and get into HSBC website and look at my account, however, it is giving me a run around and not letting me in.

We were originally going to refinance, but the market took a dump and we ended up filing bankrupcy and HSBC did give us the modification and kept renewing it without us even calling them. Before each change, the new interest rate would be the current index plus 6. I would imagine that I should start putting something together to get this modified since I am working with the devil of the industry here. Also, when reviewing your account for a modification your servicer is going to be taking into account your current mortgage payment vs gross monthly income. Unfortunately, small personal loans no credit check having an ARM, balloon or high interest rate generally does not make a difference.

Does your current payment exceed 31 percent of your gross monthly income? The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect no fee payday loans to any particular issue or problem.

The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney.

Please Read our Privacy Policy and Legal Disclaimer Thank you, Pennygram bad credit payday loan and Evan for giving me this information. My current house payment is and has been under an HSBC modification since January, 2007, so the current payment does not exceed 31 percent of my gross monthly income. I want to be proactive in getting a fixed loan or situation that actually fits the value of our home. We are in a very depressed area due to GM industry leaving our town and home values plummetted. I need to make sure that my home will be mine in the future and not having the no fee payday loans mortgage company coming after me when my bankrupcy is over. Also, I called my bk attorney this morning and she is sending me a release to forward to HSBC regarding my account just in case HSBC is not divulging information to me due to not having a release from my attorney. My attorney will not help in any mortgage modification no fee payday loans advice or anything like that.

I sent a fax to HSBC asking for my original loan information as well as my loan modification information. I guess I will have to do this again once I get the release from my attorney since I believe HSBC will probably not respond without this release. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer I cant seem to find that paperwork, so I am currently requesting it along with the attorneys release from HSBC. If I where can i get a quick loan dont hear back in 1 week, I will start calling to follow up. Well, I called HSBC this morning to follow up on my faxed information, since they sent me a letter stating that I needed to call them.

So I did and talked to Pradeep , very hard to understand, but I did find out that my mortgage modification has been modified from 9. He did clarify that they are NOT putting the difference between the percentages of interest on the back side of my loan. I stated that I would like a appraisal done on my home for re-evaluation and I was given another fax number to fax that request in. Pradeep was not able to handle that request, so I guess I will now do that and see what I get. I now have received paperwork forwarded from my attorney that payday today was sent by HSBC asking for 2 paycheck stubs so they can re-evaluate no fee payday loans the mortgage.


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It seems that is what 30 day loans we will have to do and see what they do at this point.

They have acknowledged that our mortgage is frozen due to the bankrupcy with a temporary modification that they gave us over 6 years ago.

I am not sure if we should move forward or wait until our bankrupcy is finished. I now have received paperwork forwarded from my attorney that was sent by HSBC asking for 2 paycheck stubs so they can re-evaluate the mortgage. It seems that is what we will have to do and see what they do at this point. They have acknowledged that our mortgage is frozen due to the bankrupcy with a temporary modification that they gave us over 6 years ago. I am not sure if we should move forward or wait until our bankrupcy is finished. If it were myself I would go ahead and send the financial information for them to review, you may be on the right path to achieving a permanent modification with HSBC. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of no fee payday loans the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Well I sent in the information before my bankrupcy was finished, and HSBC basically said I had to wait until I was out of bankrupcy. I waited and then they took 60 days to rectify my loan and came back to charge me the house payment I had been paying for the past 7 years.

I am also in a very depressed area where I am under water with loan to value. I believe that was my last straw and HSBC agreed to deal with them as a third party so now they say it will take about 6 months to get finished with the modification. Seems to set their own rules and gets away with whatever they no fee payday loans want. As soon as the attorney made the bank call, our phone calls from HSBC requesting their money and the stuff coming in the mail all stopped. Get on track with knowing the RESPA rules and catch them not following RESPA and sue them...

I am not an attorney and my comments should not be used as any type of legal advice. Seek your own attorney in your own state to best protect your rights. Since 2007, the LoanSafe forums have helped millions of homeowners over the last 13 years either save their homes with a loan modification, obtain a short sale, forbearance, or walk away legally from their underwater mortgages.

Calling all mortgage borrowers and homeowners who have been railroaded, lied to, scammed and or defrauded by their lender and or mortgage servicers.

Government has now set up a mortgage complaint hotline through the modification process which your issue may be related to. From the beginning when applying for the loan such as your application, originator, or a mortgage broker complaint. The time to complain about your loan servicing, payments, and or escrow accounts. How about problems when you are unable to pay such as in attempting a loan modification, illegal no fee payday loans collection tactics or a fraudulent foreclosure? They then claim they will forward your issue to the company, give you a tracking number, and keep you updated on the status of your complaint. After your information is submitted, it is then forwarded to your lender or mortgage servicer where they must then review you information, contact you if needed and determine what type of action may be needed to resolve the complaint. They are then supposed to report their solution (if any) to the bureau. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem.

The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. I am four months behind in CA and sent my HAMP application in mid November and although no decision has been made yet by that department I am being requested to make payments but I thought I read somewhere that they they were not allowed to request payments while under review?

I sent my complaint in December, and now GMAC is finally listening!! Is there anyone on this board who has had success with the complaint hotline? I have nothing in writing yet, but, they are working on it, so this is better than anything we have had in the past.

Please keep us posted on your progress with your complaint as it will help other members just beginning the complaint process. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Our lender, not the loan servicer (GMAC) contacted us a few years back by mail and offered us a loan mod for 4 years.