HFC household finance corp. Hfc has me I financial prison Nationwide

in 1985 I bought a home for $85000 and used hfc to finance my morgage at a high 12%. Me and my husband own a small business we run in late sling till mid October. It's a small fruit & vegetable stand. In 1995 we had a bad year so we took a second loan for $40000 thru hfc. I always pay my bills. The money is taken from my bank account every month, and never ask questions. in 2009 my husband parents passed and my grand daughter was pregnet with her first boy. So me and his husband moves into his parents home and I let my granddaughter and fiancé  move into my home with the agreement the would pay the morgage.'

well the had another boy in 2013 and money was gettin tight. We decided to refi. We get it started and everything was going good untill we had to deal with hfc all their USA offices closed down and they changed their name to HSBC and are now based in India. the bank I'm dealing with for the refi contact them and the refuse to talk to them. They don't send payoff paper work. So we do a title search. Mind you my payment is taken directly from my account. It reads that their is a lien on my home for $85000 in1985 in 1995 a lien for $40000 both from HSBC. (At the time i didnt know the change their name)

A forcloser in 1997 and since 2007 they have not reported to the credit bureau that I've been makeing my payments. So I was denied my refi loan. I contact them to see what the hell is going on. I get someone that barely speaks english, and they refuse to speak to me about my account with the. I did get that hfc(HSBC) are one and the same. But that is it. They said that their is a cease and desist and will not talk to me without my lawyer. ( the one I never had).

I ask can you tell me the name of this phantom lawyer I have. "Sorry there is no name or number here ". So I demanded to talk to a manager and was told that he is busy assisting other valued customers like myself. Which I thought was a joke. so I said I would wait 20 mins later he gets on the phone and tells me the manager is unavailable and if I wish to speak to them about my account ( which they are withdrawing money from my account every month) I need to fax them a letter saying I don't have a lawyer with my signature.

Which I believe is another tactic to stall and get another payment from me and to hopefully get me to stop my pursuit of a refi loan. So this is where I'm at right now. I will keep posting as to the outcome of my experience with this horrible company. If I stay with them my loan will never be paid. I still owe them $82000. It's been almost 30 years since the original morgage and 20 since the second. I know people that have paid mortgages to 3 or 4x what my was in the time it's take me to pay less than $40000 on my principal. Just want out from under them.