LG in Arizona said: “I have an unsecured loan from hfc that I have been making payments on for years. I am unemployed and on a disability. I have been requesting a hardship payment reduction from HSBC (HFC) for over a year. Each time I request the hardship, I have had to give them a “courtesy payment” to process the application and I have had to send in income verification. Despite the several times I have given courtesy payments and income materials, they have never once acknowledged my hardship application.