[amyjeannine]

Actually Amyjeans, My loan is an HFC loan, but it appears that momma HSBC is taking things over as far as the mods go.

The permanent mod thing was a surprise to me as my initial phone call from them was to tell me I was approve for the usual 6 month mod. Somewhere, sometime they decided to make it a permanent mod.

The only thing I can think of is that I had had an earlier loan with them for $14K that I paid off with my husband's insurance proceeds. We had never been late and had always paid more on the principle. I also had a pretty good credit rating.

I think they also figured that since my husband died, my situation was permanent.

In any event, I am as shocked as everybody else about the outcome.

Here is info that was on the bottom of my letter:

HSBC Mortgage Services
Attention: MOD Team
636 Grand Regency Blvd
Brandon FL 33510

Number to contact a modification specialist
1-800-909-6888

The letter was signed "Sincerely HFC"

If it had not been for you posting and this site with *** and Moe, I would not even know the first thing about mods.

amyjeans, I pray for you and your babies to get your situation resolved.

THANK YOU FOR YOUR POSTS