Beneficial/HSBC Fraud Lied to, deceptive, Internet

Beneficial/HSBC is driving us to a nervous breakdown. We ran into difficult times a few years ago and we were convinced by them to refinance with them to catch up on the cc bills which were run up prior to this. The terms of the loan changed when we arrived the first time so we walked out. We were bothered for days following promising us this was temporary and we would be refinanced at a better rate within 6 months when their new \'program\' comes out. Well here it is 3 + years later and no new programs. We are in tough economical times and my wifes business isnt doing well.

After paying over $100k in interest, we have made partial payments for the past 3 months and we have recieved a foreclosre notice. I called to see what we could do to work it out and was told that they will work with us to Exit the house..Ill be damned if I walk out and let them have it! They over valued the residence and we are unable to refinance! WE have seen a lwyer for a consult who told us that there was Fraud in relation to the Truth in Lending, but he wouldnt be able to handle it. I too agree that we need to initiate a Class action, please email me if you are interested in participating. (((email redacted)))