We too have fallen prey to Vanderbilt's lovely ways of handling business. In August we called to ask for a payment deferment because my husband and I both had unexpected surgeries come up in that same month. I remind you that we were never late on payments. We were informed by the lady we were talking to, as she laughed at us, "that would take an act of God to do that, and then it still is not happening."
That's when the lovely phone calls of threats and disrespect started coming in. We continued to make payments, just a week late. The lovely Jimmy started with calls asking where our payment was, and he said my husband was a liar who wasn't trying to work overtime so that we wouldn't be a week late every month. He told us he was going to take our home from us. I remind you that we have had this home since 2000 and were never late until the surgeries came about. But to talk to Jimmy you would think we were some kind of low-life trash who had not paid our bills on time since we had the loan.
When we got this home we were told we would be able to refinance it a few years after we got it. Well, we are finding out no one wants to touch our home, even though it is on land and on a foundation. Plus, Vanderbilt has it set up so that no other loan companies will refinance their loans.
Also, we have requested payment books for our mortgage time after time and haven't seen one since the first book when we purchased the house. So I pay extra money to Western Union for the payment so I have proof that I made the payments.
So for those fellow people who are held under this so-called company, I feel your sorrow too. I wish you luck, and maybe we will eventually hang this company up by its toes for its ways of conducting itself in an unbusinesslike manner.
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