I need some help. I have a cooperative BofA short sale and apparently when the seller purchased the home, he got his first and second with Countrywide, which ultimately became BofA. BofA sold the second mortgage to Household Finance, which then was sold or became part of HSBC. The BofA short sale has now been put on hold until we can get a payoff on the HSBC loan; however, after many weeks of researching this with HSBC, the attorney, the seller and myself have been transferred from department to department with no luck. Here are all the numbers we have tried, with absolutely no success in getting the payoff.

HSBC lien release department:866-801-6180, option #5

Charge off department: 800-562-7830

New York lien release department: 732-352-7926

HSBC Mortgage Corp: 800-338-4626

HSBC Mortgage Svcs: 800-365-0175

HSBC Research Department Fax: 716-748-7710

Bankruptcy Department: 800-556-7830

Mortgage Services Fax: 866-779-2149

HFC-Beneficial: 800-333-7023

I am unsure of this department but I spoke with an “Elmer” 800-975-4722

If anyone can give me another phone number or give me some direction on how to proceed I would be very grateful. Thanks.

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I'd guess yours is one that was illegally manipulated by Countrywide and nobody wants to touch it. Look in the public record - was the original mortgage legally transferred through paperwork in public record? Such as xxx transferred servicing to Bank of America, etc. You'll probably see things like a BofA notary in CA notarizing documents for you at the same time he notarized others for people in 20 different states - a robo-signing illegal bank move.  Seller has probably been paying BofA for years and maybe just last spring you have the record transferring rights to BofA - meaning they have been illegally taking payments for the previous years  - and judges have awarded the complete payments made back to the seller for the period because banks had no right to the money.

It is likely a tough fight but this is probably one of those that you should hook up with one of the few companies that go after the bank. They probably have no right to the house - very possibly, you can get it for free - less chunks of cash for the forensic audit and an intelligent clued-in attorney from one of these companies.

If you go this alternate route, please keep us informed. I'd love to see the banks forced to operate legally.

Hi Joe, Can you provide more information about the companies that go after the bank for illegal robo-signing please?

Barbara,

I just went through this same HELL with HSBC.  Very unorganized company.  I got some help by calling 800-348-4712 for anyone else who struggles when it comes your turn. 

Barbara~How did you make out with this?  Did you get your payoff?  And, if so, how?

Thanks!

Hi Joy,

It took a little time, but I was able to get this taken care of.  I ended up doing a google search of HSBC Mortgage and got all the names & email addresses of anyone connected with HSBC Mortgage.  I then sent an email to everyone I could find asking for help.  Somehow one of those emails ended up getting to someone who apparently had some authority to get it directed to the right person.  The file has been closed now (finally got full approval) so I don't have the person's name and phone number off hand, but if you want to send me a direct email, I would be happy to look for it over the next day and get you whatever information and contact I have.  My email is [email protected].  Thanks.

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