In reference to some of the other postings on Vanderbilt, I am quite sure that the bulk of us take full responsiblility for our mortgage debt. Does that indeed mean that we have to fall prey to their unfair tactics? Is is a rare individual that at one or more times in their lifetime, especially with a term of 30 years on a home loan that doesn't hit a glitch in road and get behind or need assistance.
I certainly fit that bill myself. My mortgage was first held by associates housing, they sold to vanderbilt, which I guess doesn't surprise me, originally tried to go after them, for forged documents. Since then I had pursued another unrelated suit with the property that my house was on (undisclosed landfill) I emerged the victor in only that I was able to "sell" the property back to owner-realtor. Vanderbilt agreed
to letting me remove the Double wide to another location, a property that I paid CASH for, Vanderbilt leaned on it. My mortgage was never reduced by the original property amount and restructured for the new lot home pkg. That I now have. My mortgage payoff remains the same, so as the new property didn't cost as much as the old property, and i paid some back into the principal, wouldn't that seem appropriate to reduce the original mortgage debt by that amount? I don't know if the property description has changed on the mortgage because I can't get any paperwork from them. Okay, house moved, new lovely property, hanging in there, new city, new construction costs, live without electricity and running water for 4 months, okay, making mortgage payments, common law husband leaves household with 5 children, I got behind. Delt with that, borrowed money from family to pull us out of the hole. Vanderbilt does not make this easy, from harrasing phone calls, threats, threatening children who answer the phone, if there mommy doesn't make this payment they won't have a home for christmas, to why can't you buy a car and get a damn job, (ex-took family car), to closing my account so I was unable to western union, had to get a bank check and fed-ex it, isn't western union just as fast? I have finally caught up... I remain however 1/2 month behind, which I was trying to get vanderbilt to pro-rate it for me so I could add a little everymonth to the regular payment. No dice. Now, to add insult to the injury, they have suddenly come up with (over the last week) that I owe them 36 additional dollars for my homeowners insurance through them. I have had my homeowners with them from the get go, and now after 8 years, I havn't been paying the thirty six dollars a month over the original mortgage for in homeowners they are threating to forclose on me... I was told this morning that I had 24 hours to pay up... The representative laughed, and said it was out of her hands now. I requested paperwork or a statement showing the increase, and asked, if this wasn't an issue in the past then did that mean that my home had not been insured all this time? She refused to answer. I also asked that she not call my place of employment least of all to harrass me for 36 dollars, after all they did tell me to get a job, do they not get it? This has got to be stopped, I am surprised that with all of these postings and all of the people that have had similar experiences with this company, that we have no leg to stand on. I have not once recieved a monthly statement from Vanderbilt, nor a coupon book, I don't even recieve interest paid statements. I have a grave feeling, that there is embezzlement and way over our head "money issues" going on here. I think that I am an easy target for them as well, having had personal crisis and getting behind has put me on the top of their list, not to mention they hold an orginal 168,000.00 mortgage note on a different property and leaned on my free and clear property. Boy, if they forclose on me theyv'e got a hell of a deal huh? I'm quite certain that they are bad dealings here. Please Help those of us who indeed have issues with Vanderbilt, whether or not we have a "trailer" with land or have had personal issues which make us more vulnerable should not even be part of this big picture, we ARE victims because try as we might to do the right thing, and hold on to what we have aquired Vanderbilt sees some of us as targets, I think that is relatively obvious. Their inability to cooperate with an individual and resort to verbal and demanding threats is intolerable, and the lack of business ethics is intolerable. What is it going to take for all of us in this vanderbilt section to get noticed?
To usacomplaints.com, Thanks for giving me this space to vent and get reaction, and hopefully be heard.
Melissa
southern desert
U.S.A.
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