I tried to buy a home from Luv Homes in 1991 to put on my own property. I gave L.H. The deposit and they called and said that they could not deliver the mobile home to my property, so the whole thing was backed out... So I thought. It took months to get my deposit back and in the meantime, Vanderbuilt kept sending me late payment notices. I always responded with a phone call telling them that I did not get the home. It was never delivered. Yet, they kept arguing that the home was mine weather it was delivered or not. They were extremely rude.
Eventually I quit getting the late notices but found in 1994, when I tried to buy a car, that Vanderbuilt was still on my credit report, but the payments were being paid on time. I called again and thought it was taken care of. Now, in I decided to get a home equity loan. Well, there it was again, nearly paid off, luckily all payments were made on time but still in my name. Now, some poor person has one more payment to make and it is not even in their name. It is still in my name and I got the credit for all their payments. My guess is that the person that ended up buying the mobile home did not have good enough credit to qualify, so they just kept it in my name. I would like to sue Vanderbuilt or Luv Homes for this and find the rightful owner of the home. My next step now is to the Lawyers office.
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