
Lisa of cleveland, TX on July 29, 2011
Satisfaction Rating: 1/5
I got married Aug.13, 1983. We purchased a Palm Harbor Manufactured Home in Cleveland Tx. Dec. 11, 1997. Greentree Financial Servicing Corporation, Houston Tx. Listed on contract as assignee. Yet our payment went to Conseco Finance for 5 years. Then told Green Tree Finance bought our loan. Upon purchase of home we had no money for down payment. Palm Habor Village, talked us into letting them write me a check in my maiden name in amount of $7900.00, listed as contract labor, to use as a down payment. Caused me serious IRS problems. Then paid Green Tree points in amount of $5900.00. They added this to cash sale price. Making a home that was $58,000.00 cost $80,000.00. After finance and interest and these frivioulas bogas fee's added the home and the down payment we didn't have, ended up being $210,769.20 for a trailer house!
After paying faithfully on time for 10 years paying over $90,000.00 in notes, my husband decided he wanted a divorce, after being married 25 years. Texas being a community property state, we never thought about getting a divorce first off and never thought about putting financing in both our names, since many things were purchased in my name only. The land the mobile home was set up and tied down to was my personal property, that I inherited from my fathers estate. At time of purchasing the mobile home, I refused to list my property as collateral. So the extremely expensive home stood as security collateral on it's own! Jan. 8, 2008,my now ex-husband abandoned me and my children and the house financed in only his name. Temporary court orders gave me the right to have exclusive right to the mobil home until division of property, while he moved to a beautiful 3 story home in the mountains of Montana. I continued to pay $585.47 monthly and kept insurance on home and paid taxes for 2008.
In June, my toilet overflowed and I had to file an insurance claim with my insurance company. Since home financed in the ex's name and insurance in my name and Green Tree the lien holder. The check was made out to all 3 names. I had to mail to Green Tree for endorsement. After weeks went by and the check still not sent to me, I called them. They informed me I had to get the ex to sign off first and send back to them again. Of course the vindictive ex refused to sign the check. It had to ordered in court for him to sign it. Once he signed it, Green Tree told me they would only give me 1/2 up front and once job completed and photo's sent to them and receipts, then they would release balance to me. I was going through a very devastating time in my life and having a very traumatic, horrible, hardship and didn't have extra money to pay up front to a contractor, when they had the money from the insurance company I paid for monthly.
Needless to say, I had to get friends and relatives to help do repairs cause I didn't have additional money. Of course when you have damage to part of a room, the insurance company does not pay for the whole room to be repaired so that it all matches. So, if I wanted to match I had to pay out of my pocket. I was going to have to pay an additional $8500,00 out of my pocket so the whole house matched. I complained about the 1/2 of the check they wanted to keep. Finally, they agreed for me to go purchase materials from Home Depot and they would send me a check made out to them. Except when I went to check out and they ran Green Tree's check, that was my insurance money through there check company...the check came back insufficient funds.
It took almost 3 months to get any money to repair my home. I continued to pay notes and keep insurance on home. I paid a little over $18,000.00 more to Green Tree and Insurance on house waiting for my final divorce. I was awarded the home in the divorce decree and the ex got the bulk of the estate and left me with all the bills. I wanted to keep the house since I had spent so much money out of my pocket and I totally redone everything inside and it was beautiful. Of course Green Tree had seen pictures of all the hard wood floors I put in, brand new carpet in whole house and a lot of tile work done. New wains coating on bottom half of walls and new paint as well. Jan. 09, I became very ill with cervical cancer and had to have emergency surgery. I could not work for 2 months. I contacted Green Tree and asked to extend 2 notes. I was told they would if I paid them 2 at that time. They took my checking info over phone. Then once they got my money, Green Tree told me my ex refused to OK me to extend 2 notes so they would not extend 2 like promised. Of course I got 2 notes behind.
I continued to pay the monthly note, but the 2 notes they promised to extend could not be paid. I started getting threatening calls at work, threats of them coming onto my private property and knock my door in and kick me out. Threats to take my home, leaving me and my children to live in a tent in front yard and they would see to it CPS would take my 2 little boy's from me. I was in tears daily over their constant threats and harassment. I even lost my job over their harassing calls at work at least 10 times a day. I got calls 7 days a week. I became so ill, I could not work and was in tears daily over this crap. I filed complaint with every congressman I could think of, attorney general, Federal Trade commission, HUD, Manufactured Housing Division and no one could help.
Then I got foreclosure papers on our home. Green Tree had me listed to be removed from my home and were suing the ex-husband for the balance which was now $72,000.00 on a mobile home that was now 12 years old. I offered Green Tree $15000.00 cash if they would not take our home. They refused offer. They got there foreclosure and orders to evict us from our home in 24 hours and dropped the suit on my ex for the balance. After investigating myself, I found that under the making home affordable loan, and HOPE and HUD, I had no rights to the home since I was not on the loan. Giving me no rights to the home, and Green Tree didn't have to honor a court order either.
If a owner signed over rights to home to Green Tree Servicing LLC. the Government would pay the home owner $3000.00 to sign there name off title. The Government also has Green Tree Listed under banks included in the "bail out plan" giving the banks $6500.00 and letting them write off the full balance as well. Talk about a scam! No wonder Green Tree is screwing innocent victims. The Government is allowing this to happen with innocent live this. I begged and pleaded for them to sale the home outright to me. Green Tree let home sit on my land for 6 months, destroyed my personal property to get to there, leaving me with $17,580.00 in damages. The man named Earnie that has A-1 mobile home movers out of Splendora Texas pick up foreclosed homes for Green Tree, did everything against the law. Nothing legal was done once Green Tree was awarded our home.
I refused to pay property taxes on it if they refused to recognize my ownership. No laws in place by the Texas Manufactured Housing Division did they follow. I even found out and I do have a recorded conversation. The moving company Earnie hired is best buds with. Margarette ** that has A-1 moving company and picks up foreclosed homes for Earnie at Green Tree, sold my home to them for her son and excepted $15000.00 she told me. The same amount I offered. The home was never listed for sale. The owed taxes was never paid by the new owner or Green Tree and the new owner informed me they don't need a title. They are the moving company and it won't be tracked to them. This is fraud done on the behalf of Green Tree Finance and the A-1 mobile home movers owned by Margarett ** in Splendora Texas.
How the heck can they get by with such fraud, while the President keeps forking out billions to this bank....when is a class action suit going to be filed? I have spent to date $11,000.00 on attorneys to stop this mess. And they took my money, made promise after promise and they could not even do anything to Green Tree. I keep excellent records and I have them back to the day we bought home.