In 2002 I found a really wonderful deal in the local newspaper. I was looking for my own place and a couple was trying to get someone to assume the payments on what is now my current house. The payments weren't terrible, so we (myself and the owners) met up at the bank to sign a transfer of equity in my name.
We gave Greentree a check for $1300 to change the names on the account. They were very helpful at the start, but it wasn't long before the harrassment started. They called me at my job constantly, even if I had already talked to someone earlier in the day. My payments were nothing more than a day or so late at the time.
However, when I signed all the paperwork at the bank, I was never given a copy of my contract. When I needed a copy of my title to show to the revenue office, so I could place a current tag on my mobile home, I was told sure no problem, we will fax it to you. I never recieved the fax, so I called again and I was told we will mail it to you. Again, must have gotten lost in the mail because it never made it to my hands.
It is now 2005. At the beginning of the year I was laid off my job due to health reasons and the company not doing the sales it projected for Christmas. I have since applied to many different places, but still have no job. This is due to the fact that in 2004 I was issued a citation for no tag.
I called the nice lady at the revenue office and explained to her that Greentree would not provide me with the paperwork I needed to get the tag. However, she has procedures she has to follow, and that means she had to file a bench warrant on me. Mind you I have no job, so I am behind on my payments.
It hadn't reached the three month mark yet, so at the end of december I talked to them and asked what I could do. He told me my account had already been sent to the lawyer's office, but if I could make a payment it would be dropped. I made a payment through Western Union. I am still behind because I cannot get a job due to this warrant.
I wouldn't have such a thing blocking my way had they just sent me the neccesary paperwork to get my tag. I recieved said paperwork just this past Friday when they served me with a civil sermons. I had talked to the man I usually do Thursday when I finally recieved notification of the warrant. He told me that unless I could pay it in full, they were going to sue me.
I tried to explain to him my situation and about the tag and title. I told him that his records would show I had been trying to obtain it. He told me they didn't keep records. Yet when I told him that he hadn't contacted me before when the payments were falling behind (I rented the trailer out for a year. The occupant fell behind on the payments and I evicted her) he told me his records would show they had. Now they keep records? The only reason I was ever informed was because one of the bills came to my address.
Even after I moved back into my home, he was still calling the renter. Now I have been served with a civil summons, yet they are still collecting money from me. I was told making payments was pointless. That I would just be sinking money into a hole. Now I have to hire a lawyer in additon to taking care of the problems they have caused me with the state.
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