We applied for a loan modification, faxed paperwork, got proof of delivery. HSBC says they never got it. Sent again by fax and mail. Says they didn’t get it. Then a few days later we get a denial letter. In checking our loan paperwork we find several copies of different pages, don’t think everything is there, title company sent someone to our home, in a snow storm for us to sign the paperwork, title company is out of business. We requested a full copy of the signed paperwork over a month ago, we sent this certified, return, receipt, requested, they got it. The State Banking Commisson also sent a request, NOTHING. We now get a letter stating they have sold our account to Caliber Home Loans. This is all in the middle of a loss claim for hail damage. They have the money from our insurance company, the roof needs to be replaced, siding needs to replaced, decks need repairing and painted, gutters have to be replaced. This has all been going on since June. We have had a couple of weeks of nice weather, but bothing has happened and they hold the purse strings. We have had snow now and it freezes at night now, we are in Montana. I am going to sue them, on my own and would appreciate any help someone might be. I WOULD LIKE TO START A CLASS ACTION LAWSUIT IF ANYONE IS INTERESTED.
Brandon, Florida USA