HFC Beneficial, HSBC, Household Finance Beneficial has lied to us & parent HSBC will not make right Internet

We are in trouble, and are reaching out to all outlets for possible guidance. Beneficial Mortgage, has taken advantage of our vulnerable situation and adjustable mortgage that we were in approximately 4 years ago. They did so by locking us into a 10.3% mortgage rate and implying that it would only be a temporary situation.  They also assured us that this would be the best solution to get out of our adjustable rate, and present financial issue caused by myself being unemployed. For us to refinance and pay off debt incurred during my unemployment, they inflated the value of our residence at the time, therefore causing even deeper issues today.  After initally walking away, we were lured back with reinforcements that this was a temporary solution and our rate would decrease whether it is by one of the new programs being offered, or if we made our payments on time for 6 months straight.  Well after 3 years without any late payments, our rate has never changed.

Its now approximately 4 years later, still the extremely high mortgage rate, well over $100,000 paid in just interest with an extremely minimal amount, $4,000, applied towards the principle. This past year, our Real Estate/School taxes literally doubled on top of it all.  We have tried every possible angle only to remain status quo. We are about to lose our house to a Company that just doesn't care. We have 3 children to support and feel completely let down that there doesnt seem to be any reprecussions for this fraudulant behavior.