My sister and I purshased our home in Georgia about 8 years ago. We got the run around several times from HSBC regarding a modification loan. After I demanded action, our loan was finally approved years later. Our trial period seemed fair. But after the the trial period, payment doubled. Since then, our mortgage continues to increase. It almost close to what it was before the modification. I keep getting letters stating that if you have a good payment record, your payments may have a small decrease. That has yet to occur. Needless to say, if you talk with someone other the phone, they are unable to help you with this matter.