We hsbc as well, my husband was laid off and they put the payments to the back of the note, our note should have been paid off December 2010. Santander took over our notes and the first thing they tell my husband is that he is delinquent. So in June of 2010 they said we owed $3, 000. My husband gave them $1, 500 in three weeks ($500) each week to catch up, we should only owe $ 1, 500.00 right?, So here we are still paying the money to them and they are saying we still owe $1, 800 dollars on the note, we are paying $585 a month every month... read full review »