In January of my husband and I entered into a private contract to purchase the home we are currently living in. We had spent a year paying off all our debt so we could buy a home. We are currently building our credit back up.
The woman we were purchasing the home from has missed or been late with her payments, prompting 21st Mortgage to contact the lot manager where the mobile home is located and myself. On 11-18 21 Mortgage called my home and requested that my husband and I pay the October payment for this woman and in doing so this would show 21st Mortgage that we would be willing and able to asume this womans mortgage. I was very interested in doing this, as I was told we wouldn't have to go through a credit check, just come in and sign some papers, and the loan would be ours. (Kinda fell for it, wishful thinking) I told them I could have a payment for them on the 21st of Nov.
On the 21st of Nov., 9am on the dot they were calling for their payment. I made a payment over the phone. I asked for a receipt to be mailed to me to show proof of the payment. (Still waiting!
Two weeks later another phone call, wanting the Nov. Payment. When I tried to explaine that we had lot rent due and that I could pay in two weeks, things got ugly. Because I didn't hand over the payment right then and there, he got very snotty with me. I asked for proof in writing for a garuntee that if I made this payment we were going to be asuming this womans loan. He was unwilling to do that. He then told me if I didn't pay he was going to evict us from the home. When I asked for an address to mail a payment he refused to give me one. Long story short, I googled the company and found this site, not to mention their address. This company doesn't care who pays that payment as long as they get their money. After talking to an attny, what this company did is against the law. They are not allowed to discuss anyones loans with anyone other than the persons whos names are on them. Please be aware you do have right against these practices!
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