bonneville1
Junior Member
What is the name of your state (only U.S. law)? Indiana ...I applied for loan modification after having a triple bypass in April. I was approved by my mortgage company (HSBC)>. When I recieved my letter saying my loan would be modifyed at a lower interest I noticed my payment was the same. I immediately called (HSBC) and they said it was a mistake and would be corrected my payment would be the lower amount I paid during my trial period. I made my payments on a bi weekly basis but I started getting harrasing phone calls telling me I was behind or deliquent and I would immediately call and was told once again they would straighten this out....I have made numerous attempts (dozens) to get this corrected and each time I am assured they are on it. Within the past week I have been threatened with forclosure if I dont pay the outstanding amount within 30 days. I also recieved a letter saying as a favor they will restucture my loan and my next payment is not due untill March of 2011.. When I log on to their website to look at my account it says my next payment is due in Febuary...2 weeks ago my next payment was due in October even though it was December at the time and Ive been making all my payments. Please someone help me with this I,m not behind and I dont know what to do the stress is unbearable. I really wish I had never applied for the modification