In 2009 it took me three months to get the application for the Obama Administration's Home Affordability Modification Program, which I qualified for becasue our mortgage was purchased by Fannie Mae. After finally submitting it in July 2009 and been given the runaround for three months, I called in Sept 2009 and they told me they havent decided yet, but they questioned the fact i had $$$ ion the bank, whjich is not a reason to disqulaify someone for this program. I called in July 2010 and now they told me they never received the application.. HSBC sucks..do not use them... read full review »