HSBC\Beneficial ILLEGALL Practices? Brandon Florida

I have with been with HSBC\Beneficial for over 10 years. They purchased my loan back in late 1990's and it has been a problem since. Viewing many other complaints about this company makes me think why has nothing been done about there business practices, I have read a lot of post's before and most of the times I just figured that it was someone just trying to get something if they complained enough and always figured that the person complainig was just exaggerating to make thinks sound worse than they actually were. I was wrong. I will give some of my experiences with this company.

I tried about 5 years ago to get a loan modification and was put on the 6 month period of a lower payment and when the time ended I was turned down for the modification, and our payment increased almost $300 a month to what I was told the back mortgage that was reduced and additional fee's.My wife and I struggled to pay the mortgage but managed( our rate was 9.75%). They are the worst company to try and communicate with no one know's what is going on, August 2013 we finally managed to qualify to refinance our mortgage ( 4.0%) through a FHA loan( my credit score needed to be increased). So on August 16,2013  we finally closed and got away from the horror of this company. So we thought,it is May 13, 2014 and the Hell continues. According to HSBC our payoff for the refinance was short. Well I have been losing my mind trying to get this resolved, the payoff figure given to our new lender and title company is what was paid to them from  the Payoff request dated August 5, 2013.HSBC coincidently mailed off my property taxes( $2802) the same day the payoff letter was sent knowing this would cause a shortage. When we closed our refinance we were told that if anything was double paid it would be refunded back to us probably in 4-6 weeks which it was.We recieved the $2802 in October by our local tax department. HSBC has continued to call us only in regards that our mortgage is past due and is now in default, we have been making our payments to our new company as scheduled but they claim that our mortgage is still with them. I have contacted the previous lender as well as the title company and they have not helped as much as they schould, it mostly has fallen on my wife and me to fix this. We requested our history from HSBC the first time in Feb. 17,2014 it was to be faxed to me within 2-3 hours. I never recieved it we did not get the history until April 22,2014. we needed this so that the title company could see how the payoff was disbursed. The tite company decided they would payoff the balance which should have been $2802 at the most and they are wanting us to reimburse them for that amount. The payoff sent to them on May 7, 2014 was now $6157.31.I contacted our local tax office last week to get a history of the paid taxes and it showed that there was another double tax payment made in December 2013 for $1694.00, but they sent a refund check back to HSBC on April 29,2014 for that amount. So the payoff really becomes $7851.31.

I contacted the Attorney General about all of this and was suprised I received a response. I was notified that HSBC claimed they made 3 attempts to contact us about the shortage on August 27TH-30TH AND September 5,2013. We never heard from them other than when they contacted us in November 2013 for a mortgage payment. In the letter sent from the Attorney General they gave a payoff figure of $4451.00 for us to close the account. This figure represents the 2 tax payments that were made. I don't understand why this figure would be different than the one that was given to the title company by $1706.31. I have 21 days to respond to HSBC's letter. which I managed to complete today. I have been advised that I should contact an attorney to file a civil or class action suit against them even if this does get resolved. So if anyone is planning on any sort of class action suits please post information and I would be more than happy to participate, and hopefully they get what they deserve on how they treat the consumers.