HSBC is NOT HFC it's (Hong Kong Shangi Bank Corp). I re-fid my (2nd mtg) w/123 Loan. They immideatly sold it to HSBC. They never got me put into thier "system" for 3 months (becasue I kept calling for NO surprise's).. Then they whapped me w/a 3mo bill, fees, and the (15 day legal disclosure (saying.."their now my lender"). Coincedintly (2) other people's SS#'s got on my credit bureau reports, and dropped my mid-scores from #640 to #480, that day! (I couldnet re-fi out of them, no one will touch that score). HSBC wouldent honer the "3mo treaser rate" of 123 Loan, (they wanted all or nothing). Im now in forclosure.
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