Beneficial - HSBC Beneficial is a con company, went back on their words. elmhurst, Illinois

Beneficial, is a RIPOFF. in March of 2008 i ask for a lower interest rate because i was in hardship. They agreed , and mailed me a letter stating if i pay my mortgage $534.00 in twelve executive month  that the interest rate and the payment will be the same permanent.  My mortgage amount was $856.00.  After the twelve months were up , and i was paying my mortgage on time without skiping payment, they wrote me that payments are now $856.00.   I could not doing anything about it.     I know i am not in same boat i am sure other consumer had this same ripoff from Beneficial.