HSBC CHARGED OUTRAGEOUS FEES NY NY

I see your report was made in November 2016 so I genuinely hope you have completed your refinance with another lender by now.  If you have not completed your refinance, go to another lender. There is no way it should take longer than 30 to 45 days with a decent lender.  

As to the $22,000 in fees:  all lenders are required to give you an itemized Loan Estimate that details each and every fee. This is a requirement as of Oct 2015.   Did you get a copy of that document?  It is mandatory for the lender to provide to you at the very beginning of your loan so you know what it will cost.  Just before closing, you get a Closing Disclosure that again itemizes all expenses and if there is any discrepancy from the loan estimate you are notified and can stop the loan. There are some categories of expenses where no changes are permitted and other categories (third party) that can change. Google the "CFPB and mortgage Loan Estimate and Closing Disclosure" for a better, more detailed explanation.  

I am not defending HSBC at all. In fact, they would be one of the very last mortgage companies I would ever use. There are much better companies available.  

 I think you missed the whole point of the report. It's the unexplainable $22,000 in fees. I paid about $15,000 to pull it out of foreclosure so I'm confused as to why I still owe so much. And without a proper explanation I do not believe they should legally be able to charge them to me.

 First of all I'm not sure why you are so angry. Do you own the company or something? Second of all, we tried to rent the house with nothing but headaches and hassles with three different tenants in a year. Each with a years lease signed with which we had no recourse due to the landlord laws in NYS being in favor of the tenant. Thirdly, we tried to give the house back to the bank in lieu of deed, but they told us something with the originally sale kept the previous owner on the deed which made it impossible for us to do that. However after months of research and discussing this with a lawyer we found out that was wrong and inaccurate. And lastly, I know what due date means but when you work with a lawyer in a loan modification they file something with the company that makes it impossible for you to discuss your account or make your payments. We did not know this until after we hired them. It is then almost impossible to stop this process to get back on track. This is when our house went into foreclosure. I obviously do not feel entitled or I would expect someone else to pay my bill. Instead I pulled it out of foreclosure and rebuilt my credit and am now in the process of refinancing.

 It was YOU and ONLY YOU who brought this upon yourself by making payments late! Neither you, me or anyone else is ENTITLED to making late payments without consequences. No lender is under any obligation to "help" you. All the help you need is an education which teaches you what "due date" means and what financial responsibility means.