We bought our Lexington, Skyline trailer in July of 1997. We paid $51,000.00 with a down payment of Q50.00. The unpaid balance is $46,350. Now our balance is $70,000 plus. It is a double wide, 4 bedroom and is in a trailer park where it is impossible to re-finance. We have tried to find out why the extra money is coming from and are told we borrowed money on it to pay off a credit card or something but no one has papers and can't show us where. About 5 or 6 different companies have owned this contract of ours. Vanderbilt has it for the second time.
We bought it from Countryview Mobile Homes, in Sioux Falls, So. Dak. To begin with. I am trying to find the original bill of sale and called a guy in Sioux Falls who is the owner of the place as I understand now. I talked to him once and he said he thought he would have it somewhere and I gave him the month, day and year of the sale. I called him a few days later and left a message, and a few days later another message with no reply. I left a message with someone at the office a few days ago again and I still have not heard from him. His name is Craig Swier. Everytime I call anymore, I am told he is gone to lunch etc, but never get a return call.
Our price has gone as high as $78,000 plus. Our payment is $763.93 per month and we owe more than when we started. Chase Manhatten had the contract once and we were sending $100.00 per month extra for a year to pay on the principal. We called about it and found that it was in another place where they had put it because they did not know what it was for.
We don't know if we were ever given credit for it or not. We can't find out from anyone else because they all say that the other company should have the papers. No one seems to have them. I reported this company to the Attorney General's Office in Pierre, So. Dak. But they would do nothing.
We are keeping on it and making payments. We have not missed or been late with a payment since we bought the trailer in July of 1997. Still we have twice as much left as when we started.
A friend in Ohio told us it looked like someone had added the intrest on twice. This is something that she deals with I guess. A friend of ours who used to live in Sioux Falls and is also dealing with Vanderbilt for different reaasons and has a law suit against them.
We have had trouble with leaking water faucets but had insurance and got it fixed for the most part. The plumber and the guy who did the estimate work together I understand. The plumber I am told won't be allowed back in the court because of his practices too.
I am in this thing for the long run, but I will not quit. I am with anyone who wants to fight these people. Let me know what you want me to do and I will do it.
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