I was relieved to see that I am not the only one who is being harrassed and ripped off by this company. If there is anyone who can give me some advice or information to my problem I would more than welcome it.
I bought my doublewide in 1994 and re-financed with GreenTree in 1998. My original loan amount was for 45,000 for 15 years. My payments are 630.00 a month. I became disabled in 1999 and had to file bankruptcy on medical bills ONLY.
I kept making payments on my home and I will admit I got behind once ot twice but always caught back up quickly. I came into some money and got myself well ahead and called for a payoff in 2001. After several rude phonecalls I finally was mailed a payoff of 39,000.in 2002 I went to refinance and found that since the bankruptcy GreenTree no longer showed on my credit report nor that I ever had an account through them. After calling for a new payoff thinking the amount may have slightly changed I find that my payoff is now 45,000.
I married and continued to pile extra payments on this loan. This year in 2006 my spouse and I went to purchase a new doublewide using this as downpayment and to get money to payoff GreenTree. The mobile home place ran a credit report and out of the blue Greentree shows on there as of 2005 that I bankrupted on my home. Of course she said this is a big No-No. I never bankrupted and have been making my regular payments to GreenTree since 2009. A retaining letter was sent to them in 1999 but after many idiotic people I was told by GreenTree with all the chenging hands with their company they have nothing on me since 2005. And in a very hateful way i was told my payoff is now 62,000!!! They have no record of 6 of my 9 payments I have made this year alone. I am at my wits end and on the edge of a nervous breakdown with these stupid people.
On top of all this I was released my original title where GreenTree was never a lienholder. They never signed my title!!! I have the original! What can I do? Why is my payoff continuing to increase? What have they done with all my records and documents and phone conversations acceptong these extra payments? I am thinking of getting an attorney because according to my credit report GreenTree was paid and it shows I bankrupted. Now they are getting paid a second time since 1999 from me. Ive had it with these folks! Noone knows anything.