OPINION
ROBIE, Acting P.J. —
When defendant HSBC Bank USA, N.A. (HSBC) Bank USA, N.A. (HSBC) notified plaintiff Stanley P. Berman in writing that HSBC was denying his application for a loan modification, HSBC told him he had 15 days to appeal the denial. Under the law, however, Berman actually had 30 days to appeal. (See Civ. Code...
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