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 others at the back of the loan.One lady told us if we made one payment that she would defer the other to the back of the loan, so we did.Then when we sent the next payment they refused it.They would not take anymore payments unless we became current.Since we could not do that we received foreclosure papers.We then had to get an attorney and file chapter 13 to stop the foreclosure. For the past 4 years we have had almost 300.00 taken out of my husbands check every week.Some weeks he would only bring 200.00(sometimes less).a week.All because they would not work with us at all.They favorite saying is ALL or NOTHING.