21st Mortgage Corporation

I have made my pay off on my mortgage on February 28, 2012, only to receive another payment book on March 1. I have written to the company, requesting status of my mortgage, but have not received any response. Whenever I have requested any response in writing, the company refuses to do so. All I want is my deed to my home, be rid of 21st Mortgage and their nasty employees.

My payment is 12 days late & they have made numerous calls threatening foreclosure, refusing a promissory to wire the payment on 12/30. They cussed my husband and insulted me more times than I can count in 1 conversation. She was screaming so loud at me that I had to hold the phone at least 4 inches away. She also started listing items purchased on my husband's debit card & told me to take them back. I feel like this just could not be acceptable to FDCPA standards. Horrible experience, in tears! Plain hostile!

In August of 2007, I contacted 21st Mortgage in regards to a property advertised for sale at 450 Cherry Branch Road in Crossville, TN. I submitted a credit application over the phone and a few days later, was contacted by phone and told that I had been approved for the loan. I was told at that time I needed no money down. Instead, I was to make double payments on the property for 6 months to satisfy what was delinquent on the property as well as keep current with payments from the time I moved in.

After 6 months, the payment was to be $440.07 per month and home was to go into my name. I was told that the "foreclosed purchaser, Laura ** would be contacted for approval about the situation. 21st Mortgage received her approval and I sent by MoneyGram the first of six $888.64 payments to 21st Mortgage Corporation.

After receipt of the first payment, 21st Mortgage gave me the combination to the lock on the door of the property and I moved in. I continued to make monthly payments to 21st Mortgage via MoneyGram in accordance with the agreement we made. The final double payment was sent in January of 2008. Upon receipt, 21st Mortgage stated that I had satisfied the requirements of our agreement and that they would begin finding a title company in my area so that I could sign the necessary paperwork and to save me a trip to Knoxville. It was during this waiting period that I made a payment for February 2008.

The representative, Rachel (whom I only dealt with), profusely apologized and stated that 21st Mortgage would love to still do business with me and that I had $6000 credit with the company and that when I decided to purchase another home, they had lots of other properties in my area.

I immediately vacated the property per the instruction of 21st Mortgage. A few weeks passed and I was contacted at my work by Rachel again. This time she wanted to share with me that Laura ** had not taken the property. Rachel expressed that 21st Mortgage told Laura ** that she would need to pay advance payments on the loan and pay $2500 in fees for the foreclosure process that had already taken place. Laura ** refused and the home remained empty. Rachel stated that 21st Mortgage was going to go ahead and see the foreclosure through till the end. She stated that the property would be going to auction at the courthouse.

she understood. I did not sign the agreement and it would not have mattered anyway. The home was auctioned and it did not go back to 21st Mortgage.

Since that time, I have tried multiple times to contact 21st Mortgage about my credit and the promise made to no avail. All inquiries to the company went ignored until recently. I sent an email expressing my anger about the situation. I was contacted by a customer service representative who stated, employees I mentioned were no longer there and that the name of Laura ** or the property address was not found in there system. The next day, I emailed copies of paperwork I have to substantiate the claims I am making. Upon receipt, the representative stated that it appeared I walked away from the home and that my situation was to be turned over to the legal department. No one will return my calls.

Lien was paid in full in June 2010. Title was mailed to incorrect address. When 21st Century was contacted, they mailed a "lien release" with names misspelled. When 21st Century was contacted again, they subsequently mailed another "lien release" to the incorrect address again. It has been three (3) months since the lien was satisfied and still have not received correct information as to be able to acquire a title for the manufactured home.

I purchased a mobile home through Paradise Home sales back in 2006 through Lucy (who is a very nice lady). She was selling it for a former worker of 21st Mortgage. The lady from 21st, whose name happens to be Missy, assured me the trailer was nice and in excellent condition! The mobile home was not on site to view, but they sent beautiful photos so I agreed to purchase it. When they brought the mobile home out, there were questions about certain things that weren't done. I called 21st Mortgage and they assured me they would send someone out to fix it! They never did! I called again, they told me I had to speak to Missy, the owner of the trailer and supervisor!

When I called her, she told me to fix the things and send her the bill and she would take care of it! She never responded! I called and spoke to someone named Tim there and he told me to send him a list of damages and he would get someone to handle it right away! He never did! A storm came and water was leaking everywhere in the home. Over my electrical stove, plugs, wash room, damaged rugs, etc.! I called them furiously and all they could say was, "You need to just continue paying your mortgage and we will eventually get someone out there!" At this time I was fed up, stressed and seeking mental help!

I stopped paying in 2007 and contacted the head manager and was informed that I needed to call the insurance company for damages. The insurance adjuster came out and said there was nothing they could do because the damages were caused by unstable sealing and damages to the mobile home that were just patched up! I bought this home to have a stable home for my children to live and now was the worst nightmare of my life! I couldn't afford to fix this house and pay mortgage and bills at the same time while this mortgage company passed the buck! They told me they were going to foreclose and put me and my bad little kids out of the home and we probably tore it up!

No matter whom I called or where I called, my cries were unheard! I was so frustrated and stressed about this. I called the lady Missy and told her that I was going to move and they could have the piece of junk! She stated that she owed $6000 in debt on the trailer and that if I found somebody that would buy it and fix it, she would sell it to them for a lesser price and not put it in as a foreclosure and wouldn't put me in the credit borough! I called my aunt in New Jersey and she came all the way here to Alabama and looked at the trailer and said the only way she would buy it is if she gave her a good price and promised not to put me in the credit borough! Missy agreed!

The finalizing of the paper work ended in June or August of 2008! When I went to apply for credit in May of 2009, I was in the credit borough for 21st Mortgage owing $27,000! I called the mortgage company and they said that Missy no longer worked for them! I called Missy and she said, "Yeah, I did tell you that." And she said she would take care of it for me! Months went by and I called the mortgage company and they told me that Missy was no longer a part of their company and they don't care what she said, they will not change it! After I went through all the hassle of selling this house for them. In that condition, they tricked me like this! I have been calling since March of 2010 this year until they told me if I called again, they would get an attorney and sue me for harassment! These are the dirtiest lowdown people I have ever seen in my life!

Through all of this pain and suffering, I became stressed out and depressed and signed myself to mental health! I was already going through some things of my own and they just lit the match and caused the flame! My job performance started to slow down, I was lashing out at others, not functioning the way I normally would, and everybody became very concerned! I ended up having asthma attack after attack and almost passed out at work and ended up in the hospital for 7 days! When I returned home, everyone knew that there was a problem!

I stopped taking company and stayed closed in my room! My doctor ended up taking me out of work and placed me on several medicines for anxiety and depression! I suffered for a long time and was forced to file disability! Now I am living on Disability income and unable to get loans or anything because of the damage they did to me and my credit! I really need help to stop this company before they damage someone else! My aunt has been having troubles with this trailer since she bought it! Please, please stop this company!

We eventually moved from Louisville, Kentucky where the home is located to our present address in Illinois in March 2008. We put the home up for sale for $18,500. We still had a balance of around $18,100 with 21st Mortgage at the time.

We had a lady interested in the home and had gotten approved through Aaron Financial for the amount we were asking. We had gotten the loan documents ready to sign and have the home sold until we ran into a problem. They had to do an inspection on the home and doing so found out the model of the home was wrong. The home is actually a Clayton Atlantis and not a Clayton Ardmore. The data plate inside the home plainly states Atlantis as the model. Aaron Financial then started they could only approve the loan for $14,000 now because that is what the home is really worth. The lady I spoke with at Aaron Financial said that under NADA an Ardmore now in 2008 is worth a base value of $14,512. An Atlantis is only worth $10,456.

We contacted Clayton Homes and they told us that they don't even make a Clayton Ardmore home. 21st Mortgage spoke to them as well and was told the same thing. We also had to pay 21st Mortgage $450 to have the home appraised before we purchased it. The appraiser clearly put Ardmore on the appraisal as the model and noted on it as well that he obtained that information from the data plate inside the home. Which says Atlantis on it so I'm not sure where he got that information of Ardmore being the model. Neither 21st Mortgage nor the appraiser researched this information to make sure it was correct prior to selling the home.

The appraiser told me he got the base value of the home through NADA that he listed on the appraisal. If they would have pulled up the serial # it would have shown Atlantis as the model but they failed to do so. They lied to us and latterly we signed papers for something that doesn't exist. They told us they have done what they can to fix the problem by sending us a cure letter, but I don't believe that is right. We do have a FHA Title 1 Mobile home loan as well.

We still believe we paid too much for the home. 21st Mortgage gave us many excuses as to how the problem happened. The home was made in Ardmore Tennessee and that it was because the home was a repo its hard to get the correct information. Yet the data plate inside the home has the correct information, so why didn't they look at it? Whether they know it was wrong and was trying to make a quick buck or not its still unprofessional and something needs to be done. They kept insisting the model being wrong doesn't affect the price of the home. Yet our tax amount for the home went from 17,660 to 11,660. That ends up being a $70 difference on our yearly taxes we pay. Also the difference listed under NADA for the homes is a $4,000 difference. We have sent them all paperwork we have showing them this but nothing has happened.

At first the representatives at 21st Mortgage kept telling us that they didn't go off NADA for anything to get the value of the home. Then once I told them the appraiser told me that he used NADA to get the base value of the home listed on the appraisal and then added and subtracted amounts based on the homes condition, 21st Mortgage changed their story. They were now saying they used NADA in a combination with other things to get the amount. I have repeatably asked them that if the appraisal has been done correctly, wouldn't it of made a difference in the price we paid for the home and I always heard "not necessarily", never no. They said they used the appraisal and a combination of other things to come up with the $19,147.50 that they were selling the home for. Like the state its in, and other things. How can they guarantee us that we paid the proper amount when they used a document with incorrect information on it to help determine the price? Also they were sloppy in preparing the home to be sold.

There was plywood under the kitchen sink that you could tell had been wet and looked as if it was rotting. We had asked to have it replaces and were told it was to be fixed but it never was. Unfortunately we never had it in writing. Also we had a document stating a dishwasher was to be installed within 21 business days and that wasn't done on time. There was trim that was needed to cover the holes on each side of the dishwasher as well and we didn't receive those until we moved out in March 2008. The big problem was the carpet. The carpet in our master bathroom started to bubble a few months after we moved in. The master bathroom and bedroom are connected except a separate room on the side with the stand up shower and toilet.

A few months later we decided to remove the carpet in the shower room and put tile down. Well to our surprise they had put carpet over an open-air vent right outside the shower, which was causing the carpet to bubble. We carpet now needs to be restretched to fix the problem. We informed 21st Mortgage of what happened but they just apologized and dropped it. They also carpeted over half the kitchen linoleum flooring and in the hallway. Also the garden tub in our master bathroom had the original carpet on it and they carpeted right over the old blue carpet that was in the home around the garden tub.

In the past few months we have discovered more. Since the appraisal was done wrong, we are able to get the original appraiser to do another appraisal but my boyfriend and I just don't understand how he got the model he did in the first place. He had to of spoke to the mortgage company first and then just ignored what the data plate said. I don't trust him to do another appraisal. I have filed complaints thru BBB, FTC, and Kentucky Attorney General. The BBB eventually said they can't do anything and that we need to seek legal counsel. We are unable to do that right now. We are paying for 2 homes, a baby, and I have recently lost my job. We believe there is legally more the mortgage company has to do to fix their mistake but they are refusing to do so.

At this point it has caused to much stress and hassle, we believe 21st mortgage should take the home back and sell it the way it should be sold instead of lying about what it was. We shouldn't be held responsible and be expected to keep paying on something we were lied to about. We signed a document agreeing to purchase an Ardmore home and we got an Atlantis. I was lied to and its wrong.

I am now stuck with a mobile home that I am no longer living in and cant sell it because they screwed us on $4000. I was suppose to have the home sold in March 2008, but once they found out it wasnt worth as much as they thought because the model was wrong, they could no longer finance her for it. Therefore we have been stuck paying for it since them and now cant afford to pay it anymore. We are living in a different state, paying for 2 residences, a baby, and only on one income. They didnt even care when we calld to say we didnt know if we wouldnt be able to make Augusts payment, but we somehow did. A september payment will not be made because I will put food on the table for my son before I continue to pay for something I didnt agree to buy.