I've been posting comments on loansafe.org and loanworkout.org for many months, but I haven't shared many details, because it's the same story as everyone else. After two full years of attempting to get a loan modification from HSBC, I've been repeatedly denied. Also, during those two years, I've sought help from all the politicians, regulatory agencies, and homeowners advocates that I can think of. I attempted one last time to request a modification a few weeks ago. I called them today to find out the status of my request, and I was told it was denied. I then asked to be transferred to customer care (or lack of it, I should say) and I instructed them to discontinue my semi-monthly automatic payments from my bank account. HSBC, you can kiss my azz, because the September payment was the last penny you will receive from me. Not only that, I'm not paying another penny towards my HSBC credit card, either. They can do what they want - kick me out of my house, destroy my credit (who gives a sh!t?), sue me, or throw me in jail. I don't care anymore. At least I'll now be able to afford to pay my utility bills and buy groceries to feed my family. Now I can go out and buy real groceries, like meat, fruits, and vegetables, and the stuff rich people eat. And I can buy my children and grandchildren each a birthday present. I won't have to worry about getting notices from the utility companies any more and juggling funds to avoid disconnection. I'll have the money to pay those bills. HSBC will undoubtedly start calling, but I don't have to answer. If they do get through to me somehow, I will respond with, "F-ck you," and hang up. If it gets too bad, I'll disconnect the telephone. At least I can live somewhat of a normal life for the next several months. We are senior citizens, and between the two of us we work over 100 hours a week just to try to save this house for our family. Besides work, loan modification has consumed my life for the past two years, but those days are over. I'm not willing to live in this hell anymore. HSBC can have the house. I'm no longer participating in their criminal and immoral activities, and they can kiss my azz.