I have paid my loan on time from the day I had it. I have had the loan with HSBC Mortgages Service for 9 years. Back in December they wrote me saying that I did have insurance coverage on my home. I called my insurance agent and they verified that they sent it to the mortgage company and the date. This has been going on now for 6 weeks. We have played the fax the declaration page to them. I have even faxed it to them. Until finely I got just down right ugly and asked for a manager. Once I had spoken to a manager, the insurance coverage was sitting in their system for weeks. Every time I called they would say that they had not gotten it. Not to mention my payments are automatically drafted out of my checking account. After the intense conversation. All they wanted to do is apologize. And say that it was a system error. No not a system error Unprofessional business practices. I called several time trying to get this resolved. I work just as they do 8 to 5 and I would have spend my time tracking down something that was already in their system.