Why out of all of the mortgage companies doing business in our country, will HSBC not do permanent loan modifications for their customers? We are upside down in a predatory mortgage, that we have been trying for over five years to get refinanced. We are in a over 8% ARM and would like to keep the home we built ourselves, but HSBC will only give short term modifications that we have already participated in twice. We have met with a HUD Housing Counselor and out of all the mortgage companies they deal with HSBC is the only one that will not work for permanent solutions for their customers' needs. HSBC is a foreign company doing business in America, operating with such impunity against US citizens because they do not have to play by the rules the other mortgage companies do. They do this because they did not take TARP money when us taxpayers were bailing out the banks and those that did, have to follow government guidelines.I would like all HSBC mortgagees to come together and put pressure on whomever to change these practices. I imagine there are plenty of us out there to be able to unite, and allow us to keep our homes if we work on this together. Our economy, here in Michigan where I live has seen a tremendous erosion of our way of life, and of our liberties due to corporate greed such as displayed by these companies, and it needs to change. Home owners unite with me.