Vanderbilt Mortgage Reviews

If there is ever a class action suit against these awful, foul people.....we want to be part of it. I asked what they would do if we were 2-3 months behind, as opposed to 2 weeks late.....come to the house steal my kid, burn the house down and ** on the ashes??? And Lord help you if you have actually read your loan papers and realize that you DO have a grace period. Yes, it is in that paper work my friends! Horrible people who apparently need to have a large seminar that teaches these ill educated wretched people how to treat a customer. If you can avoid this company, do so at all cost! Horrid customer services, lack of knowledge except to threaten and belittle their customers.

I told him I spoke with someone at Vanderbilt that told me I had until the 25th to pay, but he couldn't find no record of it. It got to the point that he made me upset and I hung up. I have been paying my mortgage since 2001 when I was with another company and they sold it to Vanderbilt. This is the second time I have ever been late with them. This really is a company that doesn't care to work with folks on hard times. What a pity. I hope they go under and there is a class action lawsuit.

I know I owe and if they would just help me get 1 payment caught up I would be okay. I used to try to talk to them but they kept me so stressed out that it caused my lupus to stay out of control. Also it didn't stop the calls. I would tell them what day the payment would be made and they would tell me okay, "we will call everyday to make sure that is still the plan, so I just don't answer the phone calls anymore. I had to block them from my cell phone. I have never been more than 1 payment pass due. After my daughter passed away, I was at the funeral home making arrangements, my sister was at my house and they called. She told them where I was and why and they told her to have me call them as soon as I returned. When the payment is 10 days late they start out calling once a day for a few they twice a day and then 3 times a day last month they started calling on the ninth day. I have been thinking of reporting them to the BBB or talking to an attorney. I am so sick of this company. If you have a choice rather to use them or not, DON'T.

A friend of mine helped me contact Vanderbilt Mortgage in early December 2013 and we explained the situation to them and asked for help in refinancing the loan so that I could afford it on my income alone. Vanderbilt said that due to my income, I no longer met their income guidelines and there wasn't anything they could do. In February 2014, I received notification that the loan amount was due in full, and they told us we had to be out by March 9, 2014 since "we had no intention of paying", in their words. Even though the loan was put into my name only, at my father's death, based solely on my disability income, once it was the only source of income, they were no longer willing to work with me, because I didn't meet their income guidelines and my income is higher now than it was at the time of the initial loan."

From all the previous complaints listed on this website and several of them also seemingly from other that are disabled, it seems to be apparent that Vanderbilt continues to bully their customers which is unethical at the least, but they also seem to continue to get away with blatantly breaking the law in regards to the way they deal with Disabled Americans, and in my opinion, that is the worst of the worst.

Well we fell behind again, so we had to file Chapter 13, all was good then at the last minute we were FORCED to take Vanderbilt out of the bankruptcy. So we gave up! Started looking for another place to live. Then we find out that the trailer wasn't setting on the land they mortgaged. We contacted them and told them about the screw up, we are ignored completely! To make a long year of this short, because we are still in hard times and couldn't afford an attorney, Vanderbilt is taking the land they mortgaged PLUS the land they didn't, so that they don't have to move the trailer. How is this possible???? I have never experienced so many lies and wrong doing in my life like I have this past 2 years. So please NEVER deal with these people. So if there's any way to get action started against this company I would be first in line. I don't want any of their dirty money, I just don't want anyone else to EVER go through what my family has.

He said that "wasn't good enough", if I made a partial payment, it would just "lay there" and wouldn't be credited to my account. My question to him was "But will you accept the rest of the money although it is late. I realize it will go on my credit, but will you accept my payment and will this foreclose on my home". He wouldn't give me a straight answer. So my question is... because I will be 35 days late as of Feb 3rd, but will pay not only Jan payment and Feb payment, will they accept it? They acted like they wouldn't accept anymore payments from me unless it came to them by Jan 31st and I swear I have never been late before. They made me feel like I was trying to scam them and I honestly was not. I know I should have paid them on time, I just couldn't do it this month because of unforeseen problems.

The current situation is I can't get under 60 days past due. The phone calling starts the 11th right after my due date the 10th. These people harass me to the breaking point. I'm tired of all the bull crap. Again they always want you to borrow money, ask for donations etc.... I do see some light at the end of my tunnel financial burdens to make timely payments once again. I just hope I'm not too late. I feel for you all and what you had to endure. It should be a law against this kind of behavior. I would like for someone to contact me if you could.

Well, they were not lender, only service company. Actual lender was Warren Buffett Mellon Bank of New York. Their power of attorney had expired and title company would not pay without it. I now know that I should have been given 6 months grace with death of spouse and reason they would never work for me was because of all the fees they were scamming me for. Each time they send a letter, they charge the account $1-$2000.00. After paying them off today, they had nerve to call and ask for a payment, even though they knew I closed. Please stop these service companies. Not only have they destroyed my credit but my health from the stress.

First they can charge what they want. I wrote the governor of Florida and so forth. They say I owe them extra. They call and call, even asked me to get money from churches. They want me to sell this place. They send me all kinds of letters to cover their tracks. I know what they're doing. I stand my ground because I know they are committing fraud. My house payments are payed, they say I owe 519.00 for something they cannot prove, continued broken record when they call. I cannot get a decent conversation from them.

I have changed my phone so they no longer have a number for me to call and harass me. The last time I spoke to them I was told to take renter into my home (like I'd ever do that) to help pay for the home. These people are mean and vicious with no compassion for anyone in these difficult times. I refuse to call them or contact them in any way. I pay my mortgage when I can and say screw them. There are laws that they must follow before any foreclosure and they have to follow the laws of the state that the home is in. For example I'm in VA so I have to be at least 3 months (I believe) to be late before they can do anything.

Now that I know a little about the law for foreclosure here in my state, I know there isn't a damn thing they can do until I'm 90 days late so I keep it 30 days or under and sit back and laugh at them knowing they can't do anything...not even so much as speak to me and I hope it burns their ** for the hell they put me through when I tried to do the right thing. Also my home is very cheaply made and a real piece of junk. It looks like a bunch of 3 yr olds built it. I only wish I had done my research before purchasing because these people butt screw everyone with a cactus and of the hundreds of things I have read on Vanderbuilt I have yet to find one thing good said about them.

It would be so much easier if I didn't have to go through them. Just sounds so time consuming and what if I didn't do something right, would I have to pay out of pocket? I would have to be worried about sending pic and receipts. Something about this just does not feel right. They should just be happy for me to pay my loan off so they wouldn't have to monitor everything. Even if it does take time to get the title, they will still have my information on file. This really makes me feel skeptical but I guess I don't have a choice.

Yesterday, I checked my credit scores and Vanderbilt Mortgage said on it I owe $14,449 on the remaining balance of the trailer. I got a letter from Vanderbilt Mortgage few months ago saying that I owe $15,908.62 and they ask me to start making payments. I started making $35 payments to them in July of 2013. I called them about the differences that I found and they said it was missed payments. The current balance is the current balance - no ifs and/or buts!!! All three credit bureaus says that I owe Vanderbilt Mortgage and Finance is $14,449 and not a penny more!!!

They were the most rude, ignorant, unprofessional people that I have ever had to deal with. I don't know how they sleep at night... I am a firm believer that what you dish out will return back to you full fold. I have seen it happen... I think they are a bunch of uneducated idiots. Please do not buy from them. My home went into foreclosure and they just sold it for $40,000. Again, they will probably after all is done make about $150,000 off a home that is worth $70,000.

The salesman told me my house payment would be $575, a lie. It was $760… year later, $815. Escrow, taxes were the reasons they claimed. I paid my own taxes. Insurance had me locked into them. I tried on a number of times obtain my own insurance. Now years later, ups and down in life, many threats by them with my payments. I had a kitchen fire. How come they talked to me like a dog and made me stay in the half burned home? The policy they advised me to get now didn't pay for hotel and it was an act from congress to cut the few checks they did. My contractor quit... complaint no payment... I'm calling, begging them to help me. I had 2 little children with asthma; smoke smell no problem to them. I needed rewire, new unit for heat and air and all appliances. It burned all those.

The company they sent out advised me to leave. It wasn't safe. Where was I to go? I found a man to do some patch up work after first contractor never came back. Vanderbilt wouldn't cut, finish off on home repairs and told me to file suit on contractors. I did. So almost year and half later, it happened my house burned down and I lost everything. The ** treated me like a piece of **. They again would not pay for hotel. Salvation Army was my hero. I was supposed to have had Good Insurance. I had 30 grand worth contents and they paid 14 grand. They told me I needed to continue to pay my house notes. No home, living where I could with 2 kids and a dog. One of the sales people told me she didn't care where I go, just give them their money.

Eleven and a half years, almost $800 a month. They claimed I owed them 57 grand. I was crying at work one day and a lady told me to call FEMA. They helped me with their words and knowledge on calling state insurance company. They made Vanderbilt cut another check. My house was paid off, their name and mine on check. Insurance and finance company together they get away with scams on people. I just wanted what was fair and not a handout. I paid insurance 11 and 1/2 years. Now today, they say I owe them $3,000 from my down payment? If there is someone out there starting a class suit against these crooks, please help me. If I don't get but a dollar and a tictac, I will be okay, just to have justice on this company. Where are the owners? Do they have hearts? They hire these people that have no hearts.

I called and talked with them; everything seemed fine. Then it started - phone calls, many times a day, "When are you making payment?" Oh yeah, they said the same things to me as I have read here: borrow it, sell your things, do what you need to do. And when my dad passed 2 yrs. ago and I was trying to take care of that and travel to where he lived, they had no heart, not even, "I am sorry for your loss, when are you making a payment?" I wish I could refinance and get away from them but being late on payment it probably won't happen. This is very rude for a so-called business.

I would also like to add on an old complaint. Vanderbilt bank, as of to this date, still has not answered my question. I was told that in order for me to make an extra payment, I had to send in a special coupon to a different address. I did this and did everything I was told to do in order to make an extra payment. Instead, it was used as an actual payment and the regular payment was not drafted out. This was done every time I tried to make an extra payment and I had to call them every time to get it fixed. The question is why? I did as I was told. Also, why did the customer service personnel and their supervisors lie to me all the time? When I asked them as to why the extra payment was not used as an extra payment and why my normal payment was not drafted, I was told it was because it was too close to the draft date and it cancelled it out. They have tried every trick in the book to try and discourage me from making extra payments. The question is why?

That's when it got worse. The telephone calls were coming in everyday, at least five times a day on the home phone and cell. I was told I had to get my service member to call back, or else. Sometimes I would pick up the phone to get the ringing to stop. I had asked for help again and just as before, the answer was "no". The calls and the letters continued. The most humiliating of all was having someone call and try to psycho-analyze why you are not paying your bills and try to play budgeter at the same time, saying "The military gives you this a month, why can't you pay your bills?" First of all, this person cannot compare a military person's life to theirs if they have not experienced the same thing. Anyways, after all the insults and negative tearing down, my mind went into shut down. We just feel that this is bull crap.

How can they honestly say that we didn't want to keep our home when the economy was good and the payments were being made? I really don't think that these people are caring enough, and are a bunch of greedy and heartless thugs. This post is not to boost the power the collections rep "Kristin" has, but to enlighten her that until she knows what is actually occurring in a person's household, don't assume jack! This company should be dealt with aggressively, and all loans reviewed.

Here we were, a community with downed phone lines, down trees, no communication because of cell phone tower damage, flooded streets and neighborhoods, and no job to go to because of flooded out buildings. Vanderbilt Mortgage not only denied me an extension, they told me that it was my fault that I let my loan get behind. They should not even be in the business of dealing with the public. They are full of lies and don’t care about anything but the almighty dollar. I have asked over and over if they would reduce my rate, and they laugh and tell me that is out of the question. I am stuck with a high rate, and they just see dollar signs. Shame on them!

I was calling to make a payment and spent 30 minutes on the phone, while the man Justin was trying to lecture me! I asked for his manager Max and he was worse! I asked for his supervisor and he would not allow me to talk to him! I have never in 20 years dealt with any company that is allowed to talk to their customers the way that they do! I think we need to start a class action suit and soon! Please let me know if you are interested! This has got to stop now!

After more than one conversation with them about this, they are still doing it. They are the rudest, most inconsiderate, most ungrateful things (I won't even call them people). They called my husband's cousin and told her we are 60 days behind on payments when I have every receipt for every payment that has been made this year including the arrears. At one point, we were making two payments per month in the amount of $675. Year to date, we have paid $4,890.39 in interest and only $1,103 on the balance! Our monthly payments are $139.05 principal + $438.64 interest + $85.82 escrow = $663.51, but we have been paying $675. If anyone reads this comment, the only thing that I can say is please find somewhere else to finance through. If you don't, you will regret it for the entire time you are involved with them.

When I was late in the past, even 1 day late, a woman named Melissa would call and she would be really rude and hateful. I told her I would have the money on Friday after I got my paycheck, and she went on to almost demand that I borrow the money off someone. She asked what I paid for my vehicle, my light bill, my phone bill, my groceries, etc. She also asked a lot of personal questions, none of which were any of her business. She was very disrespectful and rude. Another time, a man (don't remember his name) called and proceeded to actually use profanity to me and was acting like he was either high or drunk. They would call at least 3 times per day, sometimes late in the evening. I have actually had thoughts of letting them repossess my home. That would be a lot better than having to deal with these idiots. I want everyone to know how rude and disrespectful everyone at this company is. Please, people, do not finance through this company.

We actually had to contact Clayton homes and filed a complaint against the dealer that sold us the home due to so many issues with the home. But Vanderbilt is such a nasty company to deal with. I would love to get the home refinanced with another lender, but it is next to impossible to do. I would love to see someone do something about this company being so nasty to their customers. I could understand some directness if we were 5 or 6 payments behind and had no way of paying our mortgage, but being no more than 10-15 days late due to our paydays falling the way they do is pure crazy, and they knew this at the time of purchase and wouldn't change our due date! Well, the ball is in their court and they choose to play dirty.

When I asked them to fix it, they said it was too late and could not fix it. So, I tried again being under the amount of the drafted payment. I was $4.89 shy of the drafted payment to make sure that it was not used as a customer payment. Vanderbilt still used it as a customer payment and did not take out the drafted payment as they were supposed to. They added on negative $4.98 to make it work. This was on the 27th of December 2010.

When I asked about what happened, customer service got me in contact with the accountant. I asked the accountant what happened, and she asked me if I had put "for PBO only" on the check. I said no because it had said that the coupon took care of that. She laughed at me and told me to put PBO on the check. I asked her to correct this problem. This is how she corrected it. She took the next draft payment, took it off, and used it all for the principal balance. She however did not draft out the payment to replace it. This left me short two payments. She did not remove the negative $4.98 as I had asked. This raised up the amount of interest that I owed. It also took away from my escrow, making it where there would not be enough to pay the insurance.

I asked how I could make extra payments. I was told that I had to go online and get a special coupon, print it out, and use it to make extra payments. The side effect of the extra payments was that it messed up the schedule of the drafted payments. The payments were every two weeks on a Wednesday. Then it changed to Thursday, then it changed to Friday. I never knew when the next draft would take place.

I got mad and went to the BBB. I made my case, and BBB accepted my case and contacted Vanderbilt. That got their attention. All of the things that customer service said that could not be fixed was fixed. I used the new coupons with no trouble until the 22nd of June 2012. They did it again. They used the extra payment as a customer payment and did not draft out the regular payment as they were supposed to. When I asked why, I was told because it was too close to the draft date and it cancelled out the draft. The funny thing is that the first draft was taken out on the 20th of June 2012 and they received my extra payment on the 22nd of June 2012. It does not matter what date the extra payment is posted or when the next draft payment is due; this should not happen.

When I asked customer service to correct this, she suggested that I use a phone check. The phone check has a $10.00 fee attached to it. I told her no. When I told her that I was going to call her manager, she found a way to fix the problem fast. If I cannot use the coupon sent to me every month and I cannot use the coupon from online, then how can I make extra payments? I was also sent an amortization. I cannot pay off the interest either by regular payment or by extra payments. I will even pay interest on my last payment. Is this legal? I was told by a customer service member that there was no magic way for me to make extra payments. I have tried BBB, CCA, HUD, and other organizations, but to no avail. Vanderbilt will not respond to them or to me.

Everyday the calls would come, the constant harassment, talking to you like you were an animal, like you had no feelings! My husband went back to work a year later, worked about 6 months and was laid off again right at Christmas time. Do you think they care if your children receive Christmas gifts? No, they do not! Like others, we've been told to borrow the money. What kind of financial advice is that when you can't make the payment with them? Really! My husband & I have been told by them that we do not care about our family, that if we did, we'd make our house payment.

They've sent a guy out to our home several times to take pics & be sure that we are not abusing the home. He has always complimented on how nice our place is. We've been sent certified letters saying send a certain amount by a certain time & we always have. I admit that we feel like ** parents that we get behind but we don't need our mortgage company to tell us how sorry we are. We have been on time before and they still call and drive you crazy saying, like "just wanted to be sure you're sending your payment in." So, it doesn't really matter if you're on time or behind, you are going to hear from your Vanderbilt Harassment Team everyday!

I really feel sorry for those heartless people! I could not work for a company that trains their employees to behave this way to people. No matter what a person's situation is, it does not give another person the right to behave the way they do. My husband & I have both accumulated a lot of medical bills over the last year. I am 42 & have been diagnosed with diastolic heart failure. My blood pressure has been so high from all this stress. They have a screw you attitude. As long as they receive their money, that's all that matters.

We sent them in like half of a payment because we couldn't send the full amount and they sent it back to us yesterday. When my husband called & inquired about it, they directed his call to Legal Services. No one in Legal Services answered so we've been really worried & concerned about what this means. All I can say is that God has never let us down & He will take care of us! Each of you who've posted are in my prayers.

It seems to me that Vanderbilt Mortgage company is taking advantage of people when they fall on hard times, no matter who they are. They make a lot of money this way, but it is legal. I will be talking to JAG tomorrow!

I understand I am responsible for on time payments. However, after 11 years of paying these people, whether I am late or on time, I don't think that I would just up and stop paying my house payment. But the way the economy is everyone is struggling to stay on top and then you have some unhappy person working for your company pushing people to where they don't want to make payments. I realize she is doing collections but look, she didn't call me, I called her to give her my payment date. Then, she threatened to prosecute me for something that happened 6 or so years ago.

I just wonder if the CEO or President of Vanderbilt knows they are paying people to ruin their reputation. I could totally understand if I was 30 days or 3 or 4 payments late. I know late is not good but this lady's attitude with me was like I was living in her home for free and free loading on her money. I apologized for being late and made a payment date to her but that was not good enough. Wish I had never financed with this company, they are so hard to work with. I wonder how many people that has had default in payment and foreclosed really just did it because of poor customer service and being degraded.

You would think he would want to help the people who made him so rich but I see now that he made his millions by screwing over everyone who has a mortgage with his company! He has trained his staff to be just as rude and inconsiderate as he is! They do not participate with any government program that assists people who get in a bind and need assistance for making their mortgage so they don't lose their homes! There are so many people who are homeless and I wouldn't doubt if a majority of them had a mortgage with Vanderbilt! They are the worst mortgage company there ever was! No wonder this country is in such a bind! With people and companies like Vanderbilt, no wonder! Do not ever use this mortgage company!

As far as their in-house insurance, it sucks. We've had two claims on the home, all water damage. 1. From a water heater (they offered us $7.55) when it flooded our master bathroom and portion of our master bedroom. 2. Discovered we had black mold along the entire bottom wall of the living room and part of the sub-floor. We were told it was our fault because we didn’t re-seal the outside siding! It costs $1,500 to replace everything! I hate Vanderbilt. Do not ever get a loan with these horrible people!

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.

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.

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.

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.

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.

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!

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.

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.

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.

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.

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.

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.

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.

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.

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 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.

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 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 **.

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.

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.

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?

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.

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.

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.

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.

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.

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.

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 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.

Well, on January 16th 2009, the insurance that Vanderbilt had was no longer. I have the documents of it ending on that date and I sent to them 4 times, the new insurance company by fax and by mail 4 times. Vanderbilt mean while advanced me money for and insurance company that wasn't there I had the cancel information in my hand. I have called them, wrote them 4 times + about where the money was going where there wasn't anything to go to. So I sent the new companies information right away, so they keep paying on something that wasn't there.

So what was going on with Vanderbilt, I had to pay for two Insurance company for over 4 months. Well, over $200.00 and because I held back on sending them for the insurance that wasn't there, they kept putting my payment in to a un-app account and charging me a late fee on top of that. I'm getting to end of my ropes with getting ripped off with insurance. They also got me when I purchase the trailer for $500.00 of insurance I didn't even need. Now comes to Assurant Group on 02/18/2010. They sent a letter to Vanderbilt, watch dogs that my insurance was cancelled for non payment.

On 02/23/2010, 5 days later when I became aware there was a payment that was over due, I paid two payments and was reinstated. Well, Assurant sure can send the information of the insurance being cancelled but when it comes to the reinstatement is a different matter and they didn't do so. I sent in the information to Vanderbilt about the reinstatement and everything, so since 02/18/2010 Vanderbilt advanced me again and I'm paying for 2 insurance companies. Again $52.00 per month and I'm not even cover for my part. And they put things on there that I don't even need. No matter what you do Vanderbilt will not write back when it comes to them returning of money but when it comes to them needing money it has to be right now.

When you contact them by phone either they can't find anything or they don't know how to do it. They pass it off on someone else. Well, they better soon because if this doesn't work I'm very good in court. I was an Apartment manager for 8.5 years and did 150 cases myself and came out a winner on everyone. I don't think I should be the one footing the bill again because of the reinstatement information and Vanderbilt doing whatever they please. Thank You.

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.

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 some kind of overage acct. and began foreclosure. So I said, "Come and get it you low down cheating, stealing home wreckers!" Well, I'm still at it, and through the litigation process, they cannot provide any paperwork on my mortgage. They did, however, provide forged state documents and two HUD statements with payoffs to different people, hmm. I have gotten nowhere with gov. entities, state, or county. My loan is about 30 thousand dollars more than it was in 1998 and my principal balance increased in 2002 by $99,855.

For 4 years, they had a computer error? Get real! I'm fixing 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. 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...

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!

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.

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.

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.

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.