Vanderbilt Mortgage

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:

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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.