We were in the same boat.We had re-finaced our mortage and then was sold to HSBC.That was something I will regret from now on.Things went Ok for a while as long as the payments were on time, but then my husband was laid off for three months.When he finally got another job it was for alot less than he had been making.We called and told them what was going on and that we would get things caught up as fast as we could.We sent one payment then another and by then still owed two.We had asked if we could pay the principle payment payment and put the... read full review »