Vanderbilt Mortgage

We applied and got pre-approved, which is the hook to their scam. They strung us along for almost 3 weeks about a $25K mortgage; the whole time, the lender strung us along when I could have just originally bought the damn house out right I wanted. (See, all the complaints are true.) I'm so grateful for all who posted. (I was refused a loan at this time.) Screw you. I'd rather pay out right for a house than deal with people like this. And I'm grateful I didn't get the damn loan. I will have no headache in the long run.

I have my house now. Thanks to years of saving. I went to your competition. My house will be paid for in full, and no thanks to you. I only wanted to borrow a $300 closing cost, since I had the rest for my house paid in full. What a bunch of bozos. They couldn't lend $300. Thanks to a private loan. I got my house and land, and it will be paid off in full today. I guess they couldn't lend 300 lousy bucks until the 1st. What a bunch of losers. Your loss, my gain. And yeah, don't contact me, because let's face it, I got what I wanted without your damn loan. I feel horrible for all the others who have to deal with you.

I just received a phone call at my job from a Vanderbilt representative who was extremely rude. I have been out of work for 2 months and haven't yet received my disability check. I paid half of my house payment and was planning to pay the rest when I received my check on Wednesday. The guy calls and threatens me, telling me I had to come up with the money today. I will be switching to a different mortgage company and won't recommend them to anyone. As I can see, I'm not the only one with complaints.

I had a tree fall into my house in 2011. I filed a report to my insurance company and received a check for the repairs. This check was in Vanderbilt's name and mine. I sent this check to Vanderbilt to sign so I could pay the contractor to repair my house. I ended up paying for the repairs myself and Vanderbilt did give me some of the money back, but still owes me $500. I sent pictures of all the repaired house and we both agree that all the repairs were done but they will not give me the rest of my money until I give them a receipt from the person that did most of the work. I had to finish the repairs myself as I did not have the money to pay out of my pocket anymore. I do not know what else to do! Can anyone help?

Every month, I paid my bill. Some months are better than other months. My husband only gets paid 2 times a month. When I first started out with this, I had Chase; and now, it's Vanderbilt. Also, my payment dates has been switched not by me, but by them. When that happened one month, I had to pay 2 months instead of 1 month. And now, it's due the 1st of each month. Anyway, I am always late on this since the days have been switched. I've been ignoring their phone calls, because I am tired of them putting me down and making me so sick from my stress.

This economy is getting worse day by day. I have lost my job 3 years ago, and now, I am in school to change my career. I can see if I was 2 months or 3 months behind, but I am only 1 month behind and they want to take my house away from me. I am the one who pays the interest on it. So they are making money off me; they should be happy. I am tired of them threatening me and harassing me for a past due of about $456.00. Get a grip on life. That is all I owed.

I had a fire in January and I got my insurance check at the end of February. I took the check to my bank and deposited it into my account. Once it cleared my account and the funds were available, I got a cashier's check for the amount of the loan and mailed it to Vanderbilt.

After that, I got a notice from the bank that the check had been returned because it had not been endorsed by Vanderbilt. On March 1st I started calling Vanderbilt to get a contact name to mail the check too, so it could get endorsed and sent back to me so I could get my account cleared up and to make sure the cashier's check did not bounce. I have been getting the runaround ever since. It is now March 15 and Vanderbilt still has the insurance check and I cannot get anyone to give me a clear answer as to when someone will endorse the check and send it back to myself or the bank.

They are quick to take your money but slow in helping you with the refund process! And heaven forbid you are late on your payment, their account representatives are rude and not helpful at all. This is the worst mortgage company I have ever had to deal with. If you have the option to get with another mortgage company I would recommend you do so. You will have nothing but a headache and a mess on your hands.

I got a foreclosure letter in the mail and called about taking care of it and I was so upset I didn't read that I had until March 12, 2012 to pay $1,546.41. When I talked to Ms. **, she told me I have until February 24, 2012 to pay that amount, then told me I needed to call someone to help me go to United Way DHHR or anywhere to get the money, and then talked down to me about me being behind. So when I came in my house and calmed down and read the register letter it stated I had until March 12, to pay before foreclosure. So on February 24, I called to make one payment in the amount of $546.41 so that would only let me $1,000.00 to pay by March 12. Ms. ** refused the money and told me that one payment would not make a difference on my loan and to keep it until I had the rest of it. This is not the first time she has put me down and talked to me like dirt it is every time she talks to me. I don't even want to talk to her because the way she talks down to me.

We fell behind on our payments, had to set a budget and needed to get a lower payment along with a lower interest rate. We talked to this gentleman from a non-profit organization, who got us in touch with Freedom Legal Plans. We submitted the paper work and had the NPV run all set . When the Pikeville Office in Kentucky called us, and talked to me like I was dirt under her feet, that if I thought I was going to get a 2% loan, loan modification at all or get any kind of help, we were sadly mistaken. They didn't have to work with no third party at all and wasn't going to.

So, we gave up on the modification until December of 2011 and tried to get one again with no one to help because it is listed as a Doublewide not a Manufactured Home, as we were told there was a difference. Now, as of January of 2012, our mortgage payment was raised another $50.00 per, as if it wasn't hard enough. We are on Disability Income and raising our two grand-children with not knowing what to do but move. Which we don't want to do. We couldn't get any help so far, even with the programs out there. The good Lord will prevail though. Dissatisfied Customers in Ulysses, Kentucky 41264.

We have another person's trailer on our land and the trailer is through Vanderbuilt and it does not belong to us at all, only the land belongs to us. The home has been left by the owner in 2007 and here we are 2012 and it's still on our land and Vanderbuilt will not come move it. It's holding us back from getting our new modular. It's been sitting here all these years and the owner has not lived in it since 2007. We want it off our land like yesterday, Vanderbuilt had enough nerve to ask us when we called them to tell them to move it. They asked us to make a payment for the owner. Are you serious? That's not our ** home, that's someone else's home on our land. These people are horrible, don't work or go through these people to get a house.

We bought a mobile home from Chase back in 2002. In 2011 I got divorced (my husband decided to play the field left and took his income with him). I called them to ask about a hardship in June of that year and gave them all the paper work. 6 months later still no answer. I got behind on one payment. They called everyday until I took a credit card and made up the payment. I have called them several times asking for help on this matter. In 10 years I have never been late on my payments. I even paid over on it for 8 years. Just recently found out all the extra went toward the interest and not the principal. Still owe 20 years on the loan at 9.88%. Tried their re-modified loan but didn't qualified for that neither.

I have no family to run to. I am not behind in my payments as of yet, but with lot rent and ins along with my payment is over $700,00 a month if my payment is made in 31 days instead of 30 days all goes to the interest. So how am I supposed to keep my home? They told me to turn off my phone and sell things to make the payments. They say they don't want you to lose your home but they won't work with you. It's not on its own land so I can't get it refinanced. After 10 years of payments I have already paid off what I borrowed and more in interest, but I am losing my only home. Thank you, Vanderbilt for being so understanding. Now I know why this country is in so much trouble. In 30 years I would be paying back $123,000 for a $42,000 loan. Maybe if I quit my job and live in a cardboard shack, I would get some help.

I have two homes and pay several different mortgage companies and Vanderbilt Mortgage is the worst.

Eleven years ago, we bought a mobile home. Five years ago, we moved and bought a brick home and still pay for both houses. Vanderbilt will now call us seven days before our payment is due to make sure that we will be making out payment. I'm due on the 16th and they're calling me on the 9th every month, without fail. Their customer service representatives are rude and their managers are even worse. Why do they refer to themselves as mister or ms. ** yet call me by my first name. I don't think so people.

Don't call them to make a payment. Pay online because if you're late making your payment, you'll need to prepare to be on the phone with them for 45 minutes at least each and every month because they want to take all your financial statement information every month! I'm sorry but I don't have time to tell you every single month what all the bills cost, how much we make, verify this house that house this address that address. My God, take the ** payment and move on! Eleven years of this is enough!

They have no plans to work with late pays if you ever have a hard time paying (which most do at some point in 30 years) and the people they send to inspect the home like to collect information from the neighbors or renters in the home and tell them all the private affairs breaking a lot of privacy rules and laws.

If you have a choice when you sit down to sign paperwork, do not choose this company. They are the worst out there and you will be harassed and rudely spoken too for the next 30 years of your life. If they buy your loan, like they did mine, and you find yourself stuck with them. My advice is to pay online and don't dare give them all your phone numbers or they will blow them up every day, eight times per day. Don't call in unless you got time to waste and if you pay late, and have to call them, make them take a postdated check to keep them off your back. Their voice mails are horrible and if you're tender-hearted, you'll cry your eyes out at their mean messages. Someone should really investigate this company's treatment on their customers.

That's right Vanderbilt, we're customers! Just because we signed the paper with Chase Bank and not with them and they bought our loan, does not give them any right to talk to people the way their employees do! I don't know how they do things in Tennessee, where people call me from, but I know that Tennesseeans have more manners than you showed us!

We bought our home in 2000. We had our home financed at a bank, and Vanderbilt Mortgage acquired our loan from the bank selling our loan. I would never had obtained our lending from this company.

I have heard horror stories about this company, and just recently, I discovered them all to be true. Due to three recent surgeries and many other financial issues, it has become next to impossible for us to pay our payment of $700.00 a month plus lot rent. I brought this to the attention of the crew at Vanderbilt, and their overall lack of concern was appalling.

I have paid on this loan for 12 years now with a grand total of 18 more. The statement made to me was "You made the loan, pay it." We had an offer lower than the payoff, and they would even consider a short sale. They wouldn't even talk to my agent. The public needs to know these people are vultures. If you have a choice on your lending institution, please do your self a favor and do not use this one. You will thank me in the end.

I called Vanderbilt today about my payment that will be behind a month and 15 days on the 31st of October. They told me that I either make a payment by that date or they will cancel all extensions and the full amount will be due. Can they really do this? And get this, I offered to make the payment on the 1st. One day!

My suggestion to everyone is to make a complaint on the Better Business Bureau's site. They will help you through your complaint. I also suggest that you get a recorder that will record your calls with them, whether you call them or they call you, if this is legal in your state. Keep the tapes and label them by date. If you have problems they can be used in your foreclosure hearings, and any other court related dates you might have to defend yourself with.

My wife and I purchased a 14 x 80 mobile home in 1999 from Oakwood Mobile Homes for $1200 down and $325 per month. The mobile home was financed for 12 years. We kept the home and made all the payments for 8 years before Oakwood went out of business and I guess Vanderbilt assumed the company.

Paychecks were also tough to get in 2007 but we scraped by until Vanderbilt sent us a letter informing us we had no insurance on the mobile home and that they would now add their insurance to our payments which was higher than we could afford. We never and I mean never ever let our mobile home insurance lapse. The company we bought insurance from was local and charged us about $600 for the entire year. We called Vanderbilt and explained that we had insurance and we never let it lapse. The Vanderbilt customer service did not respond and added the payments to our $325 which was well over $400. We asked our local insurance agent to fax a copy of our current policy to Vanderbilt and they did but Vanderbilt refused to acknowledge the fax and said that we would buy their insurance or else.

We only had four more years left and our home that we worked so hard for would have been paid off. Long story short Vanderbilt came and took the home and sold to a buyer at the beach. Do not buy from these predators or you will regret it. They are rude and ruthless when it comes to greed. If anyone starts a class action suit against them, include me.

We are now homeless even after paying over $31,000 on a trailer that was six years old when we bought it and the original used price was $25000. We only had four years to go. What a rip-off.

I bought a mobile home from Clayton Home (last June 2002) which was financed through Vanderbilt for $545.00 for the first year. It went up to $600.00 in the second year and it has been going up ever since.

It was a repossessed home but not on an adjustable rate. They said I was on a fix rate and it was financed for 18 years. I was doing fine for the last 4 years and I have asked for help many times but they couldn't help. They said that they don't refinance or do loan modification. I got a lawyer to help but Vanderbilt kept on denying my loan modification (for 6 times) so now it is in foreclosure.

I talked to Vanderbilt on May 2011 and customer representative, Amy ** at extension ** and **, went through my modification. At that time, I owed $8,000.00 and I asked if I have to start paying. I was told that I don't need to pay anything because it wasn't going toward anything. So I knew that I was denied again and I was behind over $10,000.00. I got served foreclosure papers through a lawyer named Jay B. ** in Raleigh.

What should I do? I need help. They have to stop what they are doing to the common people. It's just wrong how they treat people.

I have a mortgage with Vanderbilt Mortgage which I have paid on for the last six and a half years. I got behind 230.00 last month and got a disturbing call from the account representative. She was mean, hateful and kept on disciplining me for not managing my money. I told her I would send her more than the July payment next week, and two more weeks from then I would have the whole amount of the August payment made; and by September 15th, I would have the September payment made.

She stated I had no choice but to come up with 600 and some dollars by the thirty first of August or else. Well, I don't like to get threatened by someone from my mortgage company. They have always acted this way, but I have always made my payments good. We had a house fire in March, which ended up costing the insurance we had paid for for six and a half years. This woman told me what we deserved and there was no reason for me to be broke. Well I think this was unprofessional and I don't know what to do because of the harassment.

This is my home, I can come up with the rest of July payment by next week but the August payment won't be made till after the first; then I will have the money to pay for September, You think they would be glad I am trying to fix this, so they wont have to foreclose? I don't know what to do or who to call to stop the harassment.

We purchased a mobile home in 2006. We put 1 acre up for the loan. At the time I was working part time 2 or 3 days a week, and was still trying to get disability since 2003, when I had my first neck operation. They, Vanderbilt, told us not to tell anybody that I worked part time, to say I worked full time. I agreed to install the water, septic, and electricity, to save money. They set the trailer too close to the road. They wouldn't help with anything after they set the trailer. We paid for 3 years, at the same time spending money on hooking everything up, and moving the old trailer.

After 3 years without heat and air, and the water, electricity and septic was temporarily connected. They refused to help in anyway at all. We got behind on payments, when I couldn't work anymore. They didn't work with us; they said we didn't qualify for mortgage mod.so we were behind 5 months when they foreclosed, Aug.2009. Two weeks after that, I received my disability. We have been renting for almost 2 years and paying 300 bucks more a month than if I stayed in my home. We could have been paying 300 a month extra on our mortgage that would have paid it off by now.

I had a house foreclosed in 2003. The house was financed through JP Morgan. The house was bought out of foreclosure and the court papers state, "judgement satisfied." Now out of the blue, ** is calling, saying I owe them 39,000. When I am going to start making payments, the rep told me that ** buys what they expect is bad debts for pennies on the dollar and tries to collect the full amount.

She also told me that if I would agree to 15,000 and start making payments they would forgive the rest.

For the past 3 years Vanderbilt has been on my credit report with a 0 balance. Can they all of a sudden jump up and go pay me now. What rude, condescending people. I owe them nothing and if I did, which I don't, why have they waited 8 years to step up?

A Class Action Suite should be filed against this company and a through investigation done. Please help the small Americans who are trying to etch a living out of a land that is fast fading because of companies like Vanderbilt.

I bought a mobile home in January 1996 for $28,000. They talked me into signing a 20-year loan on this trailer. I only lived in it for about a year. It's been 15 years that I have been renting out this home. My last three renters moved out owing me money and damaging the home. I have tried to do the right thing with this loan. I called Vanderbilt this week. I told them I simply cannot rent this home out anymore because of the economy. I signed the trailer back over to Vanderbilt this week. They are coming for it tomorrow. After 15 years, according to Vanderbilt, I still owe them $13,500.00. I know they have been paid over $54,000 over the last 15 years. This is so wrong. The old trailer is worn out and I rebuilt it a couple of times including a $5,000 furnace AC/heat just last year. This is the worst loan I have ever agreed to. They are going to ruin my credit and come after me for another $13,500.00. What they are doing should be against the law. They asked me why didn't I sell it. I told them every time I listed it and told people how much I owe and need to sell it for, I got laughed at. That 15-year-old trailer is worth maybe $2,000 to $3,000. I owe them $13,500. It's predatory lending. I am toast.

We got our home in 1998. It was sold to us for $18,000.00 for 7 years at $287.87. Then Oakwood sold our home to Vanderbilt. They added 2 more years and our payment went up to $325.19. We have never been let, but they have it in all 3 credit companies that our home has been repossessed and we still live in it, and I still make my payments every time, and they will not fix it. And if I'm one day late, they are calling everyone we know. And my home was sold to us as a 1998, and it is 1997. They owe me money back where my home was sold to me as a new home, and it was not this home was a repossessed and we did not know that until I had state people to come and look at our home.

I purchased my home in November 1994 and was supposed to receive delivery on Dec. 1, 1994. The house had mechanical problem during transport and had to return to the factory for repair and then was held up in Arkansas due to wind over Thanksgiving weekend. Since the house was late arriving, I had to pay extra rent. First payment on home was due on Jan. 5, 1995. Home was originally financed through Associates. I attempted to catch up loan payment (only past due a few days) but was unsuccessful. I asked Associates to change the due date. They refused, stating the only way to change it was to refinance. I declined. I paid extra every month until I got caught up and then requested that any extra I paid be applied to the next payment in sequence. Until they had an extra payment that caught up the month because they wouldn't change the due date, they continued to call daily until I sent them a letter stating no phone calls.

When Vanderbilt took over the loan in 2003 or 2004, I talked to them on the phone at length regarding the extra money and what I wanted done with it. I continued to pay extra on my loan and requested payments be applied to next payment in sequence so if something happened and I missed a payment, I would be covered because I was paid ahead. At one point, I was paying 4 extra payments a year on this loan. In 2007, I became ill and was unable to work and but was so exhausted from working that I was unable to keep track of what bills I had paid and what I hadn't. In February 2008, Vanderbilt sent me a letter that they were starting foreclosure proceedings. I asked how I could be behind when I was paying extra every month, at which point they would become hostile. No one ever answered the question but I was finally able to figure out that they had been applying it to the principal.

I finally managed to get the house out of foreclosure but continued to be one month behind. I am now only about $60 behind but I am still furious with them over they way this loan was handled. Every time I ask them what the payoff is, they quote the principal. Maybe I'm confused but I thought if you paid extra, you reduce the amount of interest you had to pay. But I can tell by looking at the way they are crediting interest and principal that they aren't subtracting the extra interest.

By my calculations, I should have this loan paid off within the next 24 months. What must I do to find out how much I actually owe on this loan? I'm now on disability and don't have money to pay extra payments and then wait for them to send the interest back to me. What's more, I don't trust these clowns to send the correct amount back if I should pay more than I actually owe.

We bought a 1997 Qakwood home financed through Oakwood at some point Vanderbilt bought out loan. We had payments automatically taken out of our account when Oakwood had loan for awhile. Vanderbilt did the same then we were informed they couldn't accept the payments that way we needed to send them Western Union which we did after awhile. It didn't matter what day of month, we were always late by their records. If their records showed we were even a day late, they called my work place demanding I call or take call. They would even call several times a day.

My boss got to the point where she said something had to be done or she would have to let me go. Then My husband had heart attack. We got behind his wages was garnished. Called Vanderbilt, talked to a Mrs. *** and we didn't qualify for a deferral and wanted the money. I explained we didn't have it, that I had lost my job and that his had been garnished. They didn't care. She was very disrespectful. She would even yell on the phone and my kids could hear her.

They didn't even notify us they had froze the account in May. I sent them two payments which by my records should have had us behind one. I came home from work and found papers taped to our door that our home was in foreclosure and we had 20 days to get out. I called the legal department, talked to a Craig.

He wanted to know why we had waited so long to contact them. I told him I had talked to a Mrs. ***. He said they didn't have a Mrs. *** working there. He didn't know who I talked to or if I even talked to anyone. He said we didn't make enough money to keep home. We needed to just get out of the home or find a way to pay it off in full which we gave $$29,000 for it. They said we still owe $25,000.

Our church found out about our situation, offered to pay off the loan and us pay the church the payments we were giving Vanderbilt so I called Vanderbilt to ask what was the total so we could wire the money to them that day. I talked to a Jamie. She told me it was in foreclosure and we couldn't do that. I told her I had talked to a Craig day before and he had told me to find a way to pay it off and I had.

She then informed me she could no longer discuss the account with me for it no longer concerned me then she hung up on me. I called back got a hold of another lady who told me she couldn't discuss the account with me but she could document what I had to say. I hung up. The next day, I faxed them a letter stating this no response. I did get a call from their attorney here in Kansas. He was polite but had no answers for me.

We moved out in Oct. asked them to please have trailer off our land by Nov. 9. They didn't (which was 20 days like they gave us). I had a call from a mover wanting me to measure the frame so they could move it. (No, I didn't go measure for them.) They have already sold trailer to a company (MMCI). Now, they want to cut our trees down to move this home. They finally showed up today (Dec 19) at 6:00 tonight and started removing the skirting.

This has ruined our credit. We have paid over what this home was worth which when they get done, we will probably have to file bankruptcy. I still feel this is part of the reason I lost my job that I had for 15 years but not all the reason We were out a lot of money to move and drive back and forth. This time we have been off our land, (We have to go to land daily because of our animals.) Since we have had to move, someone has gone on our land and stolen a lot of items out of our buildings and off the property, some items that can never be replaced because they belonged to our son that was killed 18 years ago.

I submitted bids on mobile homes and Kara ** told me she does not have time for games. I am wasting her time with my bids and she had rejected all of them.

I was tricked into buying a Clayton-manufactured home. I was waiting on a sizable lump sum of money due to brain surgery. I paid a down payment of more than $15,000.00 at 12.49% and I still didn't get what I agreed upon. I over insured my home, myself, my kids--as well as invested in stock insurance farmers, foremost, medical, fleet insurance, etc. I had another hospital stay and while I was there, I was threatened to be foreclosed on. I found out later that the home was paid off and I had given it back.

I had the matter investigated by consumer reports and 13 federal, state, and local laws were broken or violated--not to mention punitive civil damages! I tried to get legal help but I am broke and I am just trying to get someone to listen. Well, those types of things don't happen and here, they just don't! Thanks a lot Vanderbilt, CMH Parks, Clayton-manufactured homes and Farmers, Foremost Insurance and all affiliates, I shall endure brain surgery again and I bet you have never had life insurance.

We have been fighting off Vanderbilt, since the first year. They insist they haven't received payments, though every month we send a money order, with a signature confirmation attached. Now, since we have been doing that, they are stating we owe them from the first of 2010, when we did file for bankruptcy. They didn't make any mention of this over the last 6 months. We have kept our receipts, so again, we have to prove to them we have paid. I think this is harassment. Has anyone else experienced this from these idiots? Like most homeowners, my job affected my income. I have been working all year, but work hasn't been steady every week. After filing for bankruptcy at the last minute to keep our home, Vanderbilt seems even more determined to obtain our home, and the near 14 acres we put up (stupidly, I admit) for it.

In 9/2008 my divorce finalized, awarding me the manufactured home in which I live with 2 children (both with health issues, one severely disabled). I made the mortgage payments following my divorce and awaited my ex to have the home put in my name. I asked about loan assumption immediately following my divorce and Vanderbilt said I did not meet their loan criteria.

I continued making mortgage payments, in fear of a foreclosure happening that I would not be informed about because my name is not on the loan. In short, I did not want to worry how to take care of a bedridden child with severe medical issues, out on the street. Recently though, I stopped making those payments following Joanna ** (Vanderbilt employee) telling me I was only renting the home from my ex husband and that they could kick me out any time they wanted to. Once I stopped paying the mortgage I received calls from various Vanderbilt employees who informed me that I could certainly apply for loan assumption.

I exchanged many emails, with various Vanderbilt employees; to apply for loan assumption. I audio recorded many telephone conversations because each person I spoke with had something different to say and they were unwilling to put the assurances in writing. I was suspect of their honesty, and it turns out I was right to be suspicious.

When I got the call telling me I was "conditionally approved" for the loan assumption I was quite apprehensive. To be blunt, I didn't believe them. Turns out, once more, I was right to question the honesty in the information. When I received the "closing package", it informed me this would be a "new" loan and not loan assumption. I called and asked why they were refusing to allow me to assume the loan and Robert didn't know why and passed me on to Joanna **. Ms. Joanna informed me (by yelling at me on the phone) that the reason I could not assume the loan was because they were not offering loan assumption.

Part of the problem I have with this new loan is that it is for an unidentified home and not the home I live in and was awarded in my divorce. Other parts I have a problem with include their claim that I am renting from my ex (yes, this is included in the closing papers they sent to me) when I am not and have not been, and; they claim I am not the homeowner of this home, even after I sent copies of my divorce decree to them, which explicitly awards the home to me.

I have had my house rented out for 13 years and the person that left my home left with over $9,000 worth of damage, and I would like the house but there are 3 payments left behind. I want the house and cannot live there. The house has to be fixed and I take 63 pills a day. All I want is to make my payments on November 1. It will take me about 6 to 9 months to fix the house to make it more livable. Someone please help me to keep my home.

I just got off the phone with Vanderbilt Mortgage, after explaining again that I would try to make a $350 payment since I am the only one in our household who is employed. Last week I made $1100 payment and was short $85 and Vanderbilt was going to foreclose. I had to call and ask my sister for the $85 so that they would not foreclose on our home. Since we have had our home, the pipes keep breaking and spraying water under the home. Now we have issues with black mold. The insurance company will not cover any of these expenses due to a manufacturer defect, as they call it. Now Vanderbilt wants another $600 this Friday and another $600 in two weeks. Basically to heck with all your other bills, just pay us. Since Bob has been unemployed, we have lost our cars, and our ability to make the necessary repairs. We have reduced our other bills to make ends but just barely. Is there any help out there at all for struggling homeowners?

I have fallen behind close to 30 days on my mortgage. I have called and attempted to work out payment arrangements. The person I spoke to is trying to grill me on why I am unable to make the payments repeatedly. She is not giving me any options to try and make payment arrangement. She continues to harass me into giving her reasons why I am unable to pay the full amount. I am more than willing to try and work out a payment arrangement that would be feasible to both of us. I do not owe them any explanations into my personal life other than that I am currently unable to make full payment. I have not had overtime the past couple weeks. When I have over time, I am always able to catch back up within a month.

I so understand the other complaints about this company, I have been through it all also. They have even told me to pawn some stuff to get the money to pay. I bought the trailer with two incomes and within the first year, got down to one. I have been struggling and doing without for 16 years to pay this thing off. If I did not have 2 acres of land tied up in the mortgage, I would have long ago given it back. I only have 6 and 1/2 more years to pay on it and I would still give it back to get away from them. They come out ever other month to take pictures and to put it in foreclosure.

I have been 2 months behind before due to Christmas, and having to buy my daughter a present. I am on a very tight budget. They will not do anything to help. They just to tell me to pawn something. Well, guess what? I have struggling so long, I have not even been able to get my porch fixed much less to have anything to pawn. It makes me so mad, I hang up on them and refuse to talk to Brian **.

I called VMF on 8/24/10 to ask for a program that would assist me in keeping current with my mortgage payments. I answered a 40-minute Question and Answer session with the understanding that I was applying for assistance. I was told that a supervisor and my account representative would decide and then get back to me. I never received anything in writing i.e. my application information that was recorded or a decision rendered on my behalf.

On 9/1/10, I received a call from my account representative who initially acted as if she didn't know what I was talking about with the previous call. Then after she said she can't do anything, she put me on hold for the supervisor. The supervisor (Britney **) came on the line screaming and threatening me. I asked her to change her tone and I got more threats and louder screaming. She said she was the only person I could deal with and she wouldn't deal with me. I tried to call back a few moments later to get her supervisor's name and/or address and instead of the normal answering system with a recording and prompts, the call went directly to her. I hung up immediately without a word and she called me back and continued to try and argue with me.

I told her I would not be spoken to like this and that she is never to call my home again and she continued to be nasty and say nasty things. I told her this was harassment and I would report her to corporate and she then offered me another supervisor. I declined and hung up. I have never received any confirmation of the personal information I initially gave on 8/24/10 nor a formal response to my request for a loan assistance program, which they advertise on their website. Since my call went directly to Britney ** from my home, I am extremely worried that she has marked my account for some vindictive reason. I feel threatened and feel that I cannot call my mortgage company at all since she may answer the call again and harass me further.

They call every other day about when I will make my payment. I tell them a date I will make the payment and they keep calling any way. They know the circumstances of my situation, but will not work with me. I tell them I can make partial payments or perhaps make a partial payment every two weeks, but they will not accept that. I just don't know what else I can do. Some of their representatives are very rude. I don't know how they sleep at night.

Our home isn't what we expected when we bought it in 2002. It is falling apart and the mobile home dealer we bought it from will not do anything about it. The roof needs to be replaced. The home is a double wide and it is starting to separate in two. The floors are rotting. It is not built to the specifications that are listed in the brochure.

We bought the home in 2002 through Consesco bank with interest rate of 17%. I was told by the person who worked for the mobile home park that in 2 years, we could refinance. We bought the home not knowing how hard it was to refinance this manufactured home at 17% without owning the land. Vanderbilt mortgage bought the mortgage from this bank. We have struggled during the 8 years to make our home payment of $765.00 plus the $350.00 monthly lot payment, totaling $1115.00 per month for a manufactured home. Through the years we have been late and managed to get caught up.

My husband has lost 2 good paying jobs recently last march 2010. For 3 months, we lived on only my income of $2400/month to pay the bills. We explained to the bank representative that my husband lost his job and had to get a lawyer to get weekly benefits he was denied. Therefore, it was just my income. We had to pay utilities that were sending disconnection notices. We had late on car payments. We've changed cable companies, cell phones and lowered other bills to make ends meet. The bank representative demanded an April payment after all this was explained and it didn't matter. I was in tears.

Finally on the last week of June, my husband won benefits that he was suppose to receive from his lost job with no retro pay. I called the bank after we started receiving my husband's weekly benefit (half of his weekly income), asked if we could work something out to get back on track and make monthly payments. They demanded the 3 months we were behind on (even though 1 income was all we had for those 3 months). We went through the loan modification process, with our income cut in half compared to before. We didn't qualify. We had many attempts to do loan modifications with them and each time we were told we didn't qualify. We asked for a loan deferment to get back on track. They said to have 2 months up front, maybe defer the last payment. I explained I could pay the one month.

I cried telling the one bank representative how for 3 months we only had one income and lowered all our bills with other companies to make ends meet. They then ask you to borrow money from someone, sell your furniture, jewelry, assets. We don't have anything to sell. They then asked to work something out with our car loans. I explained we already had done so, we exhausted our options with them and we need our vehicles for transportation. Our truck was recently repossessed from the bank 1 week ago for being 54 days late which cost extra $400.00 to pay for pound from bank.

We received a letter in mail approximately 3 weeks ago giving us until August 2 to pay full amount of home $57,500 eight years later which gave us approximately 2 1/2 weeks to pay that amount or the home goes into foreclosure. We can't work out an agreement to catch up on $3,700. They call everyday, same question from them is, "What are we going to do about the money we owe?" Same answer from us every time. We need your help to resolve but they won't give in. We are in process of getting help from Homesafe America,Inc to work with Vanderbilt.

They have sent a letter stating they would help in these bad times, only to refuse to do loan modifications or payment deferments.

I have said in recent phone conversations that we are trying to find help, we don't have the payment today, then less than 24 hours they call again wanting payments. At 17%, it is hard to make payments on time with half the income we once made. I understand they have a job to do, but are very cold, and will not make any arrangements to keep us in our home! We have been working with Homesafe America who is willing to help us with Obama modification! Vanderbilt stated they would not work with them. We are trying to save our home. We were notified on the same day that Vanderbilt stated that they wouldn't work with Homesafe America and that our loan was going to the legal department for foreclosure. Please, is there any help for us?

Our mobile home caught on fire 7/11/2008. The insurance company only paid off the mobile home and said it was our responsibility to repair it or we could salvage it. We were told by Vanderbilt that the home was not paid off; we still owed $5239.48 and did not give us the title. We paid them $828.89 but then we contacted department of corporation and they were demanding information about our loan.

Then in October 2009, they finally sent us the title we lived without p g and e for 16 months and was harassed by the mobile home park and was told to remove our mobile home and was also contacted by the department of housing in violation for unsafe living conditions. We lived without electricity for 16 months. When they gave us the title we were able to get a loan to repair the mobile home. My children had to go live with my daughter and I had to pay the expenses plus we didn't have cooking privileges and was forced to eat out which has resulted to my husband and I to get high blood pressure.

Furlough days at work, unforeseen expense; behind on mortgage by 1 month and 10 days. (2 months) I called to work something out but was told I either paid my payments in full the next day (Saturday) or they would foreclose on my home. They would ask questions then interrupt when I was answering them. Female supervisor over Jeffany was worse than he was about being disrespectful and not trying to help. Said she didn't want to hear about what I was saying to send in the payment. Said she would not except check by phone that it had to be through western union or money gram. Interest has been awful.

I bought home in 1998; I have paid for it several times due to the interest. It has to be something that can be done about the rude and disrespectful attitudes of these people. Principle balance is not the payoff. Have to pay interest, advances, ACQ Rcvbt? whatever that is. Never want to call them because they are so very rude. People who don't care about people should not be allowed to work with companies like this one. I cried the rest of the night because I was treated so badly.

The condominium we were living in was suddenly being sold out from under us. Our lease was not up and we had three months to find a house. They were even showing it while we were there. We decided to buy a house. My brother-in-law was going to buy a manufactured home and we were supposed to get some land together.

Then the recession hit. And to make matters worse my wife became physically unable to work. Actually she was that way before we bought the house but her boss wrote a letter saying she was still able to and was working. Jim at Luv Homes asked that she get that letter. Actually she was home on medical leave. We tried to get out of the buy but Jim said we would have to pay the drivers who were already there $800.

We moved in and made our payments on time until recently. We have both been ill. I have Type 2 Diabetes, thyroid problems, have had a heart attack, have glaucoma, and cataracts. I am 79 years old. I still work as a part-time security guard to try to make ends meet. Two months ago they told my wife if we would make a payment by May 28th then they would put the May and June 2010 payments to the back of our loan. They did not do this.

In late June, they phoned and demanded June 2010's payment. My wife looked at our loan payments after wrangling the info out of them and just a little over $500 has been put toward the loan and the rest of the last 3 years of payments have gone to interest. She asked if we could get our loan payments lowered. We had been promised that in the beginning. I guess we will have to walk away also. She has been talked to hatefully and threatened by this guy named Walter. She asked that Walter not call again or speak with us anymore. They agreed to that. But that was a lie. Shortly thereafter, Walter started phoning her again.

She has been waiting on a check from an insurance claim. It would help us catch up. She told them this (Jessica). That was fine. But the check got lost or something, so it had to be reissued. She has received it but has to wait a week before she can touch it. That is sound banking practices. She has tried unsuccessfully to get in touch with them. They can have this house as it is because it is not made of quality materials. They charged us for a very fine brick home with a yard and we got pressed wood and cheap or no insulation, siding, etc.

Our warning to others is when they say that the house is energy efficient, it is not. Our utilities bill can attest to that. They are dishonest money grubbers! Thank goodness our insurance is not with them. We are tired of being threatened that they will foreclose on us if we are late on payments. They do not want to work out anything and if they do, it turns out to be a lie. Our house had such lousy locks on the doors that it has been broken into and our belongings have been stolen. We thought we would love the house, but now we just despise it. They did not even put an outside water faucet to hook up a hose. My poor wife cannot take much more.

Even the toilets constantly stop up. The kitchen sink has a spray hose to rinse dishes. It doesn't work. The filter on the ice maker constantly has to be replaced. And I have never seen a home that gets dusty so often. My wife is allergic to that also. We told them these things and we were reassured that the house was solid and tight. They are the ones that are tight. The siding is cheap and can easily be punctured. The shingles were all in one big sheet which was stapled to the top of the house. Everything that looks like wood is pressed dust. I'm not sure how long the cabinets will stay on the wall. We had to put them up again when our microwave got zapped by lightning. We are not sure how that happened. Nothing else was hit.

They just sell you a big box of dust, pressed wood, and little or no insulation while charging you an arm and a leg. It hailed and it was not a big hailstorm but our siding had holes in it like it had been in a war zone. When they mowed the yard and a small rock hit the siding or trim, it left holes again. The only improvements on this house have been what we have done. During a rainstorm, lightning somehow traveled down the oven or stove vent and blew out the microwave. My nephew and I had to go on top of the house and power screw down each shingle as they were put up there in sheets with staples to hold them to the roof. There is no insulation between the siding and the wood outside of the house.

I accidentally hit a corner in the living room and the sheet rock crumbled off. We were going to replace the carpet in the living room and master bedroom because of my wife's allergies and found nothing under the carpet. Where is all the insulation that was advertised? This house is not an energy saver. You should see our utilities bill! My wife is sick all of the time due to allergies exacerbated by this house and by worry. We are economically strapped by this house and trying to keep it, plus pay for it. Plus, the medical bills are not helping.

I bought a 1987 trailer in 1995 for $12,000. It was listed as a '90 Redman but after we signed all the papers and really sat down to read everything, we found out that it was really an '87 Hollypark. We kept the trailer and in 2002, we had it refinanced. We started out with Greentree then it went to Conseco and then to Vanderbilt all without out us resigning anything with Vanderbilt. We paid our payments on the due date that Greentree set up for us. Then when Vanderbilt took over we still made our payments on the same day of the month. Only to find out years later we were due on the 1st, not the 5th.

So when we found out the date was wrong we started paying on the 1st and I started watching how much was being taken off principal and I was shocked. Out of 300.00 a month we were lucky if $12 came off principal. When I called them about this, I was told we were on the simple interest rate. When I asked what that meant, I was told that I had to make the payment on the due date, which I did, and the same day each month. which I did. Since we bought the trailer we have paid $38,112 on it and it hasn't come down to even $1000.

At this rate we would never get it paid off. And I, too, called to see if i could get a lower interest rate but there's no help even. They just said I have to pay them before other bills were paid. My husband had a heart attack, then had a quadruple by-pass. Then in 2005, both carotid arteries had to be cleaned out and an aortic aneurysm had to be fixed before it burst. However, again, there is no help from Vanderbilt. So this month we simply walked away. I think Vanderbilt got more than what the trailer was worth to begin with and all they ever wanted was the money. It was wrong to begin with. It was sold as a '90 Redman but it was only an '87 Hollypark. We were paying $710.00 a month for the trailer park, with the lot rent and the payment on the trailer. Vanderbilt is there for the money not the people. We had to walk away after 15 years of living there.

I have been out of work on medical leave since March 23rd. I am waiting on disability. I am not able to return to work. I was receiving short term disability but it ran out. In May, I called to see if they had any programs to help me temporarily lower my payments. The lady said no that they expect their payment in full before I pay anything else. She then said I had to get behind before they could help me. Well, I got behind and the woman I spoke to next time took information about bills and income and said, I didn't qualify for any help.

The next man I spoke to said to borrow it from family or friends or to sell or pawn my belongings in order to pay them. I asked if they would take a partial payment and he said no. They expect the entire payment in full. He said their payment should come before anything else, including groceries. I have never been so insulted in my life or dealt with a company that cares so little about their customers.

I purchased a home from Luv Homes in Wilmington, NC in 2008. This home is financed thru Vanderbilt Mortgage. Due to economy I have lost one of my part time jobs. I still have my one full time job and am currently seeking a second job. I have contacted Vanderbilt about modifying my current loan from a 15-year loan to possibly a 20-year loan. I spoke to a female representative with Vanderbilt who did everything but offer to help me. My husband has suffered a mild stroke. He is already disabled from multiple medical conditions and has been in the hospital. I want to keep my home, but I need help with the payment. It seems that unless you live in a "real home" that no one wants to help those of us who live in a "mobile home". That is my home and I want their help not rude, condescending advice which is what I got from Vanderbilt. What can I do?! I was promised a call back in 72 hours and that was 45 days ago. Still no response.

I bought a double wide mobile home in 1998 brand new. Three years into our loan, our mortgage company sold our loan in a batch of loans to Vanderbilt Mortgage. Throughout the three years I had paid $36.00 over the minimum payment for escrow on our home. One day someone from Vanderbilt knocked on our door to say we were 3 months behind and they were there to collect. I didn't know how that was possible since we had our payment set on auto pay through our bank all this time.

In the end, the main point was that when Vanderbilt bought our Mortgage from the original lender they "tacked on" a $110 per month "insurance payment", yet we had our insurance through another company and they never disclosed this bit of information to us until they had used up all of our escrow, he had put up through an unbelievable pile of papers and stuff that no one could put together and say who owed what. But after our escrow ran out, they tacked on late charges and soon even though we paid regularly every month and over the amount they scooped up our home after 2 years of battling them. We of course stopped paying them. Knew we had lost.. How do you fight these guys?! They sold our home we kept our land because we fought. We did not put our land up for deposit with the original lender.. Thank God. In the end we now owe $5,000 more than we originally bought the mobile home for and our credit is forever ruined. I do hope there is justice for Vanderbilt one day. We lost everything.

When the economy started to change, we called to try to get better interest rates and hopefully lower monthly payments. We found several companies willing to work with us but Vanderbilt would not. Not only did they tell us they would not finance, but they would not release our title to another mortgage company. In one of the late payments, we were threatened that they would not only take the home but the land that we paid for in a different loan. We did not sign any papers to this effect. In fact, we told them that it was not legal because we did not own the property. So I know we didn't sign. We have not been threatened with this again, although we have had slow payments, companies are still offering us better rates. How do we go about getting this title released? How do you go about a class action lawsuit?

I have told numerous CSRs to not call asking for me related to this mortgage. This mortgage was done by my hubby before we were married yet somehow my name is " listed as a contact number". I have told them to stop calling and asking for me yet they refuse stating he must put that in writing. Well, that was done last year. They continue to call multiple times daily asking for me and leaving messages for me. They are the most disrespectful, non mannered nasty people I have ever dealt with. They threaten and harass and get away with it. Emotional. I don't enjoy being told how to live my life, how to pay my bills, as well as being yelled at and threatened, especially when my name is not signed or cosigned to this loan.

I am right now in default with my mobile home of ten years. Because of my lack of income at the time, I have fallen behind three months. I had heard before that most lenders work with you on extinctions or modifications but I should have known better with this one. I was told I didn't qualify. I really don't understand why. I only have disability income. I have also been checking my paperwork and noticed that with the original lender I purchased the home from, I started with before Vanderbilt bought out the loan I had paid in $3,336.49 interest back in 2007 but now 2010 according to Vanderbilt have only paid in $255.15 and I have no escrow. Does that sound normal?

Unless I am really confused, I am looking at my statements. Is this because it is in default? Can they do this? I don't think so. I noticed the numbers going down on statements since they bought the contract. I just wish someone could do something to stop them. I really feel they are doing something that is not right to everyone. I am about to lose my home and have nowhere to go soon.

I feel someone need to investigate Vanderbilt Mortgage. They rip people off and they talk to them like dirt and they threaten people with their home they won't modify anyone loans. You can't see any of your information on your account plus I had paid $97,000.00 on my home. I been paying on it since 2005 and they are saying I still owe $90,000.00 How is that can someone put a class action suit against them. I will sign.

I am very scared that Vanderbuilt Mortgage is not being honest about my payoff amount. I purchased this mobile home in 1997 for $27462.95. It is now 2010 and they are telling me that I still owe $18000. That is telling me that I have only paid $9462 on my account. That is not true. My payments have been as much as $365 dollars a month, now it is $335 per month. I tried to go and look at what is actually happening to my account online and of course it only provides certain details not everything.

I feel like everything should be posted when it comes to the break down of my account. Also, the insurance that I've had on this mobile home for as long as I've had it does not cover anything at all. It wouldn't even cover the hot water heater when it went out. I tried to contact them at their email address from their website and I was unable to because it's not up and running which is strange because they have been in business for a long time. I mean I don't have a problem calling them but there are so many things I think is wrong with this company that I think they should be investigated. I don't think they need to know when they are going to be investigated because I saw something on their website that states Notice:

Please read this Legal Disclaimer:

Information on this web site is provided "as is" without either express or implied warranty and although it is believed accurate at time of posting, there may be some inaccurate, and/or out-of-date material. Vanderbilt Mortgage and Finance, Inc. may make improvements and/or changes in products and services at anytime without notice.

Vanderbilt Mortgage and Finance, Inc. makes no representations as to material found on Web Sites published by others which may be accessed through this site. Such information could be inaccurate, contain viruses, and present other problems for the user. Vanderbilt Mortgage and Finance, Inc. will not be responsible even if notice of such had been received.

This scares the heck out of me and especially since I have questions with how they are handling my account. Please help me. I would just like to make sure they aren't over charging me. I've also noticed that there are a lot of complaints against them from consumers. I am not behind in my payments, but I would surely like to know if they are keeping something from me. The physical damage is I am worried about having an account with this company.

I refinanced a home in 2006. The original mortgage company sold it to Vander in 2008. The first company sent me the title to my home with no lien holder in 2009. Due to the fact the first company did a land only loan, Vander is now telling me that the other company just messed up and that they have all right to my home. This does not make any sense to me. They have raised my payments from $889 to $1200. I recently lost my job and they will not do a loan modification or try to help us at all. Not only did I loss my job but my husband died in 2006 and I lost all of his income as well. Vander calls everyday wanting the title. If they are actually legally entitled to them, why are they not filing for a duplicate instead of harassing me?

Vanderbilt Mortgage bought my loan out about 2 and half years ago and can't provide any documentation that they bought the loan out and can not provide a new title with their name on it. I had gotten laid off work and got a little behind not being the first time and always got caught back up but this time they have refused payment because that it is less then 100.00 short which could be sent in another week and because it was put in the mail and not paid straight out of my checking account.

They have refused to work with me. They have called my moms neighbors which live 15 miles away and given out information about me that is private. They have broken into my checking account and if my girlfriend (who is not on the loan) answers the phone they threaten her and ask her personal stuff about herself. She has sent them a certified letter before telling them that if they don't stop harassing her she would press charges.

They will not even give me the option to sell. They were supposed to go by the original contract, that states I can miss one payment a year and it will be put toward the end of the loan, they will not honor it and they charge me $30.00 a month in late fees and my contract states that if I'm late, the charge is never over $5.00 a month. They call at all hours of the day and night. I have told them that I have recently went back to work, they still refuse to work with me. Beware of this company. We are going to hire an attorney just for the harassment charges. Mental stress to my girlfriend and myself and my family.

recently however, well beginning in 06 Vandy began raising my monthly payments without provocation, or documentation, they refused to provide me with paperwork providing the proof of these increases, one day it would be escrow next day insurance, next day property tax, I continued paying these odd increases for a year, without any help or documentation from them, everyweek, it would change or they would need additional, they were calling my home, neighbors i don't even know, my employment...threatening forclosure and the like..well, In june, i had about had it, this began in dec.

so I made my reg. monthly payment they accepted it put it into somekinda overage acct. and began foreclosure, so I said come and get it! well, I'm still at it, and through the litigation oprocess, they cannot provided any paperwork on my mortgage, they did however 0provided forged state documents, and two hud statments with payoffs to different people...hmmmm, I have gotten nowhere with gov. entities, state, or county, My loan is about 30 thousand more than it was in 1998 and my principal balance increases in 2002 by 99,855.00 this is made apparant to me by vanderbilt,through a payment history they provided during litigation, they can't explain it, it's a computer error they say....for4 years they had a computer error? get real...

I'm fixen to lose everything, and I know I bit off my nose to spite my face, but all the while I've not wanted anything but the truth, and for Vanderbilt to be exposed...until recently when they got me in court on a technicality because I didn't ask for anything....well, good luck to everyone involved with vanderbilt, I hope that maybe someone will listen somewhere, God speed. and please go to my website....it all began in l998 with the financing of an illegal dump by Vanderbilt and the mobile home that i ordered not being what I ordered, and my statements that never came, and the missing money, and the list goes on.......

In December 2008 I purchased a Double wide home from Luv Homes in Fletcher North Carolina. I was told that the interest rate would be around 6%. They were never able to provide me with any paperwork before closing. At closing the interest rate jumped to 11%. They insisted that it was only because I was a first time home buyer. They stated that they were doing a bridge loan and would refi the loan in 3 months. I have been trying to refi the loan for 7 months now. No one will refi the loan. Vanderbilt will not work with me at all. They have stated that they stopped modifying loans because of the economy. They have stated that there is no grace period on my loan and they cannot defer a payment. This mortgage company needs to be shut down. They talk to the customers like they are nothing and will not do anything to help. I am not able to continue paying the payment due to the 11% interest rate.

Vanderbilt mortgage company keeps calling me with harrassing calls for a mortgage account that belongs to my cousin. I do not have any affiliation with this loan, do not even live in the same state. I ask them how they got my cell phone number and they said maybe someone gave it to them. This is not possible. I have asked them to take me off the contact list and I still receive calls but it is just with different operators. I get a phone call about once a month!! Sometimes 2 to 3 times a day. This is ridiculous!! I really need some help on this matter!!

Approximately 10 years ago, our son Steve purchased a double wide permanent site "mobile" home. For the last several years, if they are as much as two days late with their monthly payment, not only have we been harassed by their phone calls, but also our other two sons; and now recently, at least two of our neighbors. Steve and Kim's neighbors have received phone calls also.

I contacted them, and as of May 22, 2009, they removed our phone number from the case file. This still did not prevent them in again contacting another of our neighbors. I called again and was told there was no way to prevent them from continuing this practice. The supervisor "Diego" told me that each person contacted must in turn request that they not be called in the future. In my mind, this is pure harassment! We live in Ohio, and our son and his family live in Michigan. Our neighbors don't even know Steve and his family!

Many people call us for being 1 payment behind on our morgage. Ms. Amanda M has made suggestions to do a yard sale, go to a church for help, cancel our internet/land line/tv package and our cell phnoe and whatever that we have to sell to make our behind payment. We have tried to deferr our payment and they have denied it and we have also worked with a gentleman to pay extra for 4 months to catch up but someone said he wasn't in their department and couldn't do that.

We have tried to work with these people and they DO NOT WANT TO HELP US. They call 3 ot 6 times a day. We are to the point we don't want to answer the phone anymore. Maybe I should get rid of the phones so they can't call us, NOT. All this for just being one month behind and we have been one month behind before and have caught up. They don't give you chances or want to help. What kind of people are they if even they have options listed on their web site to avoid forclosures. This is phone harassment.

We purchased a mobile home in 2001, from Clayton Homes. The mortgage company is Vanderbilt. We financed the amount of $33.991.34. We agreed to do the biweekly payments. As of July 2008, the pay off was around $24,000.00. Something just don't add up. The interest rate was 10.99%. We have been paying for 7 years and have only paid about $10,000. I had an uncle that had taken this and was looking further into. They told him there was nothing that could be done. So he has advised me to turn it over to you all.

I feel as if we are owed some money back. We have since sold the mobile home, and had to pay $10,000 out of pocket to get it paid off. I would greatly appreciate anything that could be done.

I received an "Annual Escrow Analysis" statement from Vanderbilt in June 2008 and a letter stating Vanderbilt had not yet received a current copy of my insuranc policy or declaration page showing my home was insured. On the escrow statement it states my principal/interest payment being 620.74 and my escrow payment of 75.11 making my total monthly of 695.85. I paid the 695.85 from Aug 07-Jul 08. Also on the escrow statement was projected escrow amount of 113.37 for Aug 08-Jul 09.

When I saw the amount of my escrow payment had increased by 38.26 I decided to call my own insurance company (STATE FARM) and purhcase a better policy at a much better premium than what Vanderbilt was charging. I purchased a 142,000.00 insurance policy from State Farm on 07/07/08 and faxed the declaration page to Vanderbilt's Insurance dept (HomeFirst Agency)on 07/08/08 showing proof of insurance on my home. I assumed this would be sufficient notice to Vanderbilt but when I received my monthly mortgage statement in August my payment was 734.11 which still included Vanderbilt's escrow amt. 113.37. I tried calling their customer service department for 6 days and kept getting a automated voice saying "all agents are busy at this time, please call again later".

On day 7 I dediced to call from a differnt phone number and I got through to a customer service repsentative and she stated after looking at my account that I needed to be transferred to a different dept. I was transferred and received a voicemail box of an account manager whose name started a "T" ( I think it was Tanisha)I left this T lady a message to please call me back as soon as possible I had some questions about my loan payment amount.

Two hours later she returned my call and was horribly rude and unhelpful. I asked her why I was still being charged the escrow amt of 113.37 when I had faxed my declaration page showing proof of my own insurance and she was unable to answer my questions. She stated that this was the first she knew of me purchasing my own insurance and that Vanderbilt was suppose to be paying my premium to State Farm and I was to in turn pay Vanderbilt back through my monthly payments. I was under the impression if I purchased my own homeowners insurance, Vanderbilt has nothing to do with paying them that I am the responsible party. I got so upset with this lady I was shaking and her yelling at me over the phone was only making things worse. I handed the phone to my husband and he was asking her questions that she was unable to answer and hung up on him.

I called State Farm and asked them if they had to receive the premium payment on my policy from Vanderbilt and my agent stated I was to pay it, not them. He was shocked at her suggestion and told me to call the company that handled their insurance information which I did. I spoke with Jenny from HomeFirst Agency when I first received my August statement to make sure they had received my declaration page becuase I was still being charged the 113.37 and Jenny stated they had received my dec page and the insurance was acceptable. When I asked Jenny why I was still being charged for the 113.37 she said I would have to contact Vanderbilt and ask them that all they dealt with was the insurance tracking. So needless to say no one from Vanderbilt was able to help me or tell me why I was still being charged the 113.37.

My mortgage payment was coming up on Aug 21st and I was trying to get this descrepency resolved before I sent in my payment. Since I was unalbe to get get any help from Vanderbilt I wrote a letter to their Account Receivables dept explaining what had happened and I included my payment of 620.74 for August. I stated I was not paying the 113.37 because I would be paying double insurance on my home.

I also asked that a Supervisor from Account management contact me to explain to me what's going on. I'm hoping its just a miscommunication somewhere between there departments but there is no way I should be paying them 113.37 a month for force placed insurance when I already have my own insurance policy on my home. If Vanderbilt continues to bill me on a monthly basis for 734.11 (620.74 original loan pymnt & 113.37 escrow) and I only pay 620.74 that they will try to foreclose on my home because I am refusing to pay the 113.37.

I was happy to have a place my daughter and I could call home! I was a 30 year old single mother; my hourly wage was $9.75. The Oakwood representative was fully aware of my situation and took advantage of my longing to have a home of my own. I was offered a 1st Time Buyers loan from Oakwood Homes for a repossessed mobile home at $52,000, and my grandfather allowed me to have it set up on his land.

Two months after the trailer was delivered I was laid off from my job. I had a 7 year old and no money coming in. A few months went by and I continued to get behind in my bills and I knew there was no way I could pay the mortgage on this trailer so I did what I thought was the right thing and called Oakwood. I explained to them that in my position I couldnt afford to make the payments any longer and that they should come and pick up the trailer. I moved out immediately but Oakwood continued to rack up my charges (late fees & interest) and didnt come and pick up the trailer until a year later.

After Oakwood picked up the trailer they in turn sold it for $8500, and then in 2004 they offered to let me get out from under this loan by paying $13,500, sounds good however they gave me 22 days to come up with it. I had no way to come up with that kind of money and especially in that amount of time.

Here in lies my first question If the trailer was valued at $52,000 in 2000 why did they sell for $8500 in 2002/2003? I know that I got over my head when I purchased the home, but I also believe that

Oakwood knowingly sold me the trailer at a price too high for a person with my salary and responsibilities.

In 2006 5.07 acres of familys land was transferred to me from my grandfather. My family has worked this land for years and my daughter and I are the beneficiaries. When Oakwood found out about the land they decided to come after me with both barrels. Now they want in the neighborhood of $100,000.00 to settle this issue when they only wanted $13,500.00 a few years ago. This land is my daughters birth right and I think it is criminal of Oakwood to get so greedy that they have threatened to keep this going another 10 years to make sure they get my families land. I make $11.20/hr, I am currently pregnant with my 2nd child and this land is all we have.

I expect to pay a reasonable amount for the trailer; if $13,500.00 was enough to close this in 2004 I believe I shouldnt have to pay much more than that.

When so many Americans are losing their homes at an alarming rate and some of us are holding on with all that we have, it sickens me to see a company like Oakwood not want to play fair but crooked and what I believe to be unethical.

How common is this practice, We the customer has more to loose, mortgage companies well benefit from our loss.

Vanderbilt carried my mortgage and I authorized payments to be deducted from my checking account. My house was sold closing on 12/6/05, with their balance due paid by title company. The balance they quoted was effective through 12/28/05. They deducted a December payment from my checking account and although I have written them they have not refunded this payment of $547.98 and did not return my calls.

contacted customer service at Vanderbilt Mortgage to let them know; not to debited any more money from my bank account. Which that cost me $30.00

so from Nov 04 to August 05 no payment book, no letters, no calls, but 4 to 8
calls a day(NOT)! from Vanderbilt Mortgage, but a answer machine saying
1 to answer 3 to ingore, Whats That!

no name, no company, just 1 or 3...

In July 18th they, debited $498.32 from my account WITHOUT my permission took the money, when a payment was mailed on

7/5/05 for $498.32, they won't appy this to my Oct/05 payment! so they won't use it as a credit or put the money back into my account; just asking for another Oct/05 payment for the same amount.

My daughter had a mortgage with Vanderbilt. They sold the mobile home which was on Egland Air force base. The sale was a take over payment situation. Vanderbilt did not inform them that they also were co-signers on the mortgage for the new owner, who walked away after a few years. Vanderbilt now is coming after my daughter and son in law who are trying to get their current home repaired after being ruined by Hurricane Ivan in Navarre, Florida; if that isn't enough.

Vanderbilt had told me that Ohio charges $10.00 to pay-by-phone. I had been paying my mortgage from Chase Manhattan (Louisville, KY) by phone without a charge. Vanderbilt bought my loan from them and tell me that Ohio charges $10.00 for calling in and telling them my routing number and bank account number. Is this true that Ohio charges to pay by phone?