My husband and I have a mortgage with HSBC aka HFC aka BF. They give you the runaround when you call. Their reps are extremely rude, uneducated and experts at getting you angry. We tried for a loan modification. We wasted 6 months of our time. We have not received mortgage statements for over 6 years. We are in bankruptcy and paying them back an obscene amount of money on arrears. Big mistake taking a mortgage with you BF. I bad mouth you to everyone I know and tell them to stay away. I'm doing my best to refinance and get away from you thieves.

I have tried and tried and tried to work with this company have spent countless hours on the phone talking to person after person. Faxed the same items requested over and over again to differnet people and nothing ever changes.

Our account is now more than we borrowed from this company over four years later of paying them thousands and thousands of dollars. They lied to me for four months telling me they just needed a payment to get our modification thru.

It took six months of them charging me interest and late fees ect. before the modification went thru and now it is six months later and they are doing the same thing again. I hate this company they are the worst mistake I ever made in my life.

Never never never never never never never never never do business with this company and there should be something that the government or someone can do about these horribly rude, lying and deceitful people.

We have our house financed with beneficial and our house payment is 1035 a month thats without taxes and insurance my husband became disabled and i havnt worked all summer with some major illness. they dont care you dont have as much money comming in like you used too. on top of what we owe them we have 14, 000 added to our payoff called deferred interest this is bull. we are never going to get this paid off. we cant afford 1035 a month anymore.we told them we only make half of what we uses too. WELL SO WHAT!!!

Beneficial finance is the mortgage company. i received notice from them that i was (3) years past due on my property taxes and i was charged appx $1390 to my existing mortgage for the taxes which i had already paid. i called and talked to someone & thought I had fixed the problem. my payments are set up on ez pay draft and was i pissed when my next payment was for an additional $140.97 to pay back the property taxes. i tried talking to them again; was sent to appx 3 different people. they said i would have to pay the extra each month until the problem was resolved & them i would be refunded for anything that i had overpaid. this did not set right with me. i went to the court house (city & county) and got them to print me copies of my tax receipts for the past (3) years and each receipt stated date amount & who paid the taxes. none of the receipts were paid by beneficial. i made copies of these receipts, i faxed & mailed these receipts to beneficial (after 7-10 payment was made). i open my statment for 8-10 and what does it show? that i owe an additional $140.86 again this month. i called and liked to have never got to talk to a real person. they said the problem was still under investigation and was not resolved yet. this has been going on since may 10, 2009. i told them to take the ez draft payment off, that i would send them a check and it was going to be for the regular amount of $1555.11 not $1695.97 as they requested. if i ever get out from under this mortgage, i will never do business with beneficial again.

I am so completely lost and have no way of getting out of this loan!! At first I paid on time, then I had a little financial problems, and fell behind. I called them and they showed no mercy whatsoever.. I really just decide to let the whole thing go and slide into bankrupcy. My mother convinced me to talk to these idiots and try to catch up with the loan. Well I have done so, but there is a huge amount that they have added to the end of the loan. I feel buried up to my eyeballs and no way out---I will be paying this thing off for 50 years!!! I pay 1800 a month and the loan never seems to go down!!! Please Help me, I need advice on what I can do!