Hello everyone,
My husband and I bought our mobile home in 2000 from Oakwood Acceptance Corp. When we were with them we were only 2 payments ever behind, then we were able to take advantage of missing a payment, by putting it on the end of our loan. Since that were had to move our payment at the end of the month b/c all of our bills are due between the 1-15 of each month, so we starting sending our payment in at the end of each month, (but before the last day of the month to keep it off of our credit report).
That was always fine with oakwood, to the point that they would call to even set it up around the 25th, but with Vanderbilt they don't care about your other bills, even if it means your child doesn't eat for that week. BUT when I had my phone shut off at my house I made the biggest mistake ever was giving them my cell phone to get in touch with me. They would call my cell about est 10x's a day. When I got my phone back in my home I asked them to not call the cell # and to take it out of the computer. Mind u this happened in FEB. And they just stopped using it a week ago.
I left rude greetings with the business name not to call and then i called them and told them if they didn't quit calling my cell, that i was gonna forward all my cell bills to michell in collections and that vanderbilt was to pay my bill if they contiinued to call it, b/c i had asked them several times to just call my house after 7pm that i would be home.
That still wasn't good enough, for them to know exactly when i would be home to call. Well needless to say after my threat they now call the home phone. They are a bothersome company to us b/c they start calling on the 3 and don't stop until the 30th, but i don't care how or when they get, my payment b/c it is always there before the end of the month and it doesn't go against our credit. So remember that guys, pay your payment before the last day of the month and they can't do anything to u b/c u are not 30days late until the 1st of the next month.
We had also wanted to know how much our pay off was since we had owned it for almost 5 years. I called them and they told me i owed just as much as i did the day i signed the contract, so i started gathering all information such as credit reports that were up to date and our contract and i ended up proving that we owed 3,000 dollars less than what they were saying...
Thank god for my credit report that is what helped me from getting ripped off our 3 grand. So don't feel bad everyone vanderbilt is a pain in our ass too. So now dot every "i" and cross all "t" with this company. Good luck to everyone.
Now i just wanted to knkow how everyone was filing a report with the ftc. Thanks everyone and good luck
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