I sit here and cry reading all of your reports. I feel like my young family is going to be out of our home. I called them today, to make our "late" payment. I owe for July and now August has come due. My "representative" refused to take my payment, stating, "I will take your payment only when you can make them both at one time. You have until the 18th of this month, otherwise we will drop your loan." How am I in default?
I tried to make one payment, the ONE payment that I could afford, and she absolutely refused it! Now I admit that we have supposedly been default according to their records. We don't even have a contract with this company... Never signed anything. They bought our loan from Oakwood.
We, just like all of you have described, have had very similar problems with our "brand new" home. My laundry room floor is literally falling in from our a/c breaking 3 years in a row. There are nasty black water marks coming down our walls in every room of our house. Each time they say we have to call our insurance company.
Then today, the woman even stated we didn't have insurance, which we do. She began yelling at me, telling me how sorry I was because I didn't work to help out my husband. Yes, I could work, but who can afford childcare? My husband has recently started his own business and we're struggling to make ALL of our bills... Not just to them. We've had our phone turned off, our lights turned off, car insurance lapse, car problems... You name it.
My husband works HARD... EVERY DAY! Sometimes even up to 18 hours a day. We send out invoices, then we have to sit back and wait to be paid, just like them. I always get, "DO you think you'll EVER know when we'll see another payment?!" THey get paid, just not exactly on time each time and I know it's not their fault, but lately they've been lying to us about alot of things, like us not having insurance. I made a payment last week, then tried again today, and she really did refuse it.
I thought there was some type of law that if you are attempting to make a payment, there is only little they can do. But she blatently told me, "Here, I'm gonna record this... Mrs. #$#, you are refusing to make your payment." I butted in, "NO! YOU are REFUSING to ACCEPT my payment!" She hung up on me and now keeps disconnecting my calls.
I don't know what to do. We are young and we have 2 kids of our own and raising my older sister's. He works hard, but really needs me at home for the so called office duties. I can't get a job, but they can't get away with treating people like this, CAN THEY???!!! I would also like to join this class action lawsuit you all speak of. These people are hateful. But be weary of their "in-house" lawyer! (I'm scared... Not!)
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