(I posted this as a reply in a thread I'd already started but wanted to put it to its own thread)
Well, I have good news. I've confirmed it 3 different times to be sure that what they've told me was accurate. I have been approved for a modification with two trial payments for Nov & Dec payments and if I complete them (and I will!) then I will have a PERMANENT (yes, I said PERMANENT) modification. p&i of 1273.43 (it was $1609.19). My rate is reduced from 9.35% to 5.25% They will also now be escrowing my taxes and insurance, as that wasn't something they offered when I first got this mortgage but is something they do when they do a permanent modification. Although, I did explain that I was behind in property taxes, they haven't said anything about the arrears so not sure how they'll handle it.
Once I get the paperwork they said I would receive, I'll figure that out I guess.
I can't believe it and really do keep having to pinch myself. But it seems that an email letter sent out to every person and department I could find, paid off. Of course, I had to do some research to figure out email address formats, etc. While I did get an initial response from HFC in a letter form, confirming they'd received my letter of complaint and would be working on a resolution for me; It was a the contact I made with the executive offices of HSBC that got everything going.
My letter laid out ever phone call (name, date, time) and lie told to me, misinformation relayed to me, offered solutions and actions they said I could take that didn't even exist.