HSBC Mortgage Services Inc. HSBC Ignors Federal Law Brandon Florida

Please be advised of the following. I am currently involved in taking legal action against HSBC Mortgage Services Inc. in Brandon Florida.

My current mortgage was audited and found to be in violation of TILA, RESPA, HOPA and the Fair Trade Practices Act. The loan as written is understated by $288,000.00. It is under disclosed by $294,000.00. On the Truth in Lending Disclosure Statement under the heading of Payments, correct payment dates and payments are missing. The APR is overstated and confirms that the loan is under disclosed by $294,000.00.

Also 3 legal and valid Rights To Rescind have been dismissed by HSBC in defiance of the law and HSBC stated in writing they have no intention of complying with the law.

In my battle that stated with an attempt to refinance in August of 2006, HSBC has attempted to foreclose on my home, at the request of the Attorney Generals Office for Connecticut the judgment was vacated in July 2007. After it was vacated the Attorney General and the Insurance Commissioner in an investigation, but HSBC attorneys for violating laws regarding insurance as related to mortgages and other issues and fined and ordered restitution by Reiner, Reiner and Bennett in the amount of $700,000.00 customers. As I under stand this law firm has broken up and is no longer doing business under the above name. So even law firms employed by HSBC to do their dirty work can not be trusted to be in compliance with the law.

As a result of HSBC failing to comply with the law, I have now met or spoke to at length the following government and filed complaints ranging from Bank Fraud to violation of TILA, HOPA, RESPA and Fair Trade. I have met with the Chief States Attorney's Office, the Commissioner on Banking and the Attorney Generals Office. In addition my loan documents and complaints have been forwarded to offices of the FBI in New York, Tampa, Chicago and New Haven. I have also contacted the FTC, OCC, Federal Board of Governors, US Attorney in Hartford and Senator Dodd's office as head of the Senate Banking Committee.

Investigations have begun and in fact OCC as the regulator unit responsible for oversight of HSBC has assigned a case number and issued a letter to HSBC requiring a reply to OCC within 30 days. On going investigations by the FBI into 14 major banks and mortgage companies which includes HSBC is being handled by 480 agents and the New York office is the key point of contact.

In conversations with the Attorney Generals office regarding this matter has assisted with getting an attorney to begin suing HSBC in federal court.

This company is either incompetent or arrogant or both. After being contacted with proof of violations provided by myself, HSBC confirmed the violations, added to violations and did so in writing.

My claim of wrong doing by HSBC has now been confirmed by letters stating on HSBC letter head and signed by HSBC Managers that they will not comply. I further claimed that amounts were incorrect or missing and again on HSBC letter head HSBC sent a new payment schedule and payment amounts that are in fact missing form my documents.

In closing I leave you with the following statement made by the CEO of HSBC.


This company is a British owned company and the head of the company made the statement that how he runs his company is his business. He is not afraid of the FBI, Attorney Generals, American Courts, etc. and he will continue to operate as he pleases in our country and there is nothing they can do about it".

So anybody that has issues with HSBC sould contact OCC on the web, file a complaint and follow up. Also contact the FBI and US Attorney if you feel that fraud is involved. Contact your Attorney General and the FTC. Sooner or later someone will take notice and take action.

Don,t go into court without an attorney. Rest assured HSBC won't.

Curtis
manchester, Connecticut
U.S.A.