HSBC/Beneficial Mortgage company that takes advantage, Internet

HSBC is a company that offers unfair lendign practices, deceptive tactics, and GETS AWAY WITH IT.  They have finally after 5 years, agreed to a loan modification due to my inability to pay my cuurent mortgage due to a job loss.

However, when I got the modification, the payment was larger than the original payment.  If I problems paying a lesser amount, how can I pay even more.  Even though the interest rate is 3.5% lower, the payment are higher.

I don't understand how the goverment can allow them to continue to dupe people with their business practices.  They should be the first name on a list of banks to be sued for unfair paractices.