Vanderbilt Mortgage is in the process of foreclosing on our trailer, due to Chase mischarging for insurance we already had. Upon speaking with them, they could not even get straight why we owed the money, first we were told it was a late payment and then it was a bad check, we have all canceled checks, if anything, we have paid more than what has been due.
They sent a man to take pictures of my home and to have me call them. I explained to him the situation and he even told me that the company has $400 of my money that has not been credited to my account and he didn't understand what was going on.
Here's some figures which will show how off they are:
Our payments were $397.77, we pay $400
In 53 months of paying we have only been credited with a little over $1000 toward the principal.
They claim we were behind $89.24 in Oct. 2004
In Nov. 2004 they claimed we were behind $1395.60, plus we were credited for a $400 payment
In April they returned our payment stating that they had begun steps to gain possession, and that we continue to be delinquent.
And we were given a weekend to pay them off completely.
Anyone we have spoken to there has been rude and not helpful at all. One even told my daughter that she didn't want to talk to me because I was to immature, I refused to send extra money.
How can business be allowed to operate this way. If anyone knows what I can do to stop this please respond asap as I do not know how long this process takes. I could be w/o home tomorrow.
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