We are from SE Louisiana and have been affected by both hurricanes Katrina and Rita. Back in late August a couple of days after the storm while evacuated out of town in Alabama we began contacting our creditors starting with CountryWide and eddind with HSBC Auto. With the tradegedy that just occurred in my hometown of New Orleans one would have thought that HSBC Auto more than understanding, not the only thing they offered was a 30 day deferment that was to be evaluated on a month by month basis what a crock of you know what, like we have time to call them every month to ask them can you please defer the payments for us please! To make matters worse my job was totally destroyed as my wife's job sustained massive damage as well both was still functional. So finally in November we began making payments again with some B.S. provision that we had to make one in half payments to make the account current, not a problem. Keep in mind all other creditors marked our credit report "AFFECTED BY NATRUAL DIASTER" no adverse information was reported by any other creditor with the exception of HSBC Auto! My wife called their butts and read them the riot act only to get know where that's all she kept getting is "we must report late or negative information to the CRA's" One can only imagine the rage I felt when I pulled my wife'a EX report and saw late pays for September through December eventhough they offered us to defer the payments! With the grace of the good Lord we did not loose everything like most people did in New Orleans but we did sustain over 60k in damages in a house that was only three months old ata time Katrina struck. HSBC is the worst and would would appreciate any info on how to expose those basturds.