We have been in our trailer since 2000. Our loan originated with Greentree then sold to Conseco and then back to Greentree. I have only had to split my monthly payment up 2-3 times and have never had any problems until recently. I had became pregnant in 2006 to much suprise and had to take some time off because of some problems. Only missed about 1 mo. Total of work until had baby in Aug. 2006 and then went back full-time in Oct. 2006. To even more suprise, found out I was pregnant again in April. Started looking for daycare for kids, none available, put on bed-rest middle of November baby born Dec. 2, could not return to work because of no daycare. Yes, no daycare, out of 60 available in county no openings for an infant and a toddler (completely different topic.) Called them in December and asked about possible deferment of payment, no they wouldn't but they would split pmt.into 3 and tack onto next 3 payments after Dec. Which was no problem until end of Feb. This year. My husband had to take time-off when I had baby because I had C-section and couldn't even pick-up baby, let alone toddler. Went back to work and ended up getting laid-off intermittenly until now (May, works for snowmobile manufacturer). Called them in Feb. And explained could not make pmt., what were my options? Was told to borrow money to get us current for the month $80 or borrow $400 to pay what was left for Jan. And all of Feb. And then they would defer pmts. Until June. Well, borrowed money and guess what? No deferment. Took pmt. Out for Mar. And I had to have bank return it because of lack of funds (would have been overdraft $200 not inc. Bank fees and needed to heat house and buy food for little ones) (yeah, no help from local agencies besides WIC because my husband brought in more that $770/mo., btw, who comes up with those figures?) So, they call me in middle of April and I ask to make pmt to get us current with my rebate check (all $990) and they said no, needed to borrow money from someone. Explained already did that, why was there no deferment? Was told that paperwork was never started and was my fault because I hadn't asked for it. When I called in Feb. And got the borrowed money and made pmt. I asked for deferment and was told the paperwork would be started the following Monday, this was on a Friday. So, anyway my acct. Rep. Preceeded to tell me that I was yelling at her and that I needed to use my inside voice and to calm down and treated me as though I was a child, I asked to be transferred to her supervisor and she wouldn't and I hung-up. I called back and asked to speak with anyone else but her and was transferred to another person. Spoke with him, got things set-up and then when pmt was supposed to be made, hubby got laid-off and it was waiting week, no money. Called again, got different person. Spoke with him got transferred again to different person. Was told to only talk to last person and guess what? Have 3 different people calling me.
How can they do this to people? It's not like I'm trying to get out of paying my loan. We just hit a rough patch and are trying to work with all of our creditors and Greentree is the only place that won't work with us. My hubby says to let them take the place because he's sick of hassle, but we don;t have anywhere to go and we have 3 kids to take care of. I just don't know what to do.
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