My husband and i agreed to a lnad contract in 10/06 with valput properties. I should have known something was up because the add in the paper for the house we wanted was posted in the paper for 45,000 and a montly payment of 450 a month. When we got to the part where we signed the land contract papers i noticed that on the paper the house was now listed at 55,000 and 550 a month. I brough this to his attention and he basically said that it was what was on the paper and that we could take it or leave. This man knew our desperate situation and we had already gave him over 1,000 as a down payment. He told us at that time that at anytime if we no longer wanted the house we could walk away, but we could not get any of our money back.
The cost of the land contract was almost 4,000 dollars when we were finished which is much higher then we had originally discussed. My husband and I paid on time every month. Meanwhile Mr. Valput had people coming in and out of home twice for appraisals so he could refinance our home. We had no choice in the matter and had to let both appraisers in and miss work to wait on them, if not Mr. Valput had the keys to our home and said they would come in wether we were there or not.
I was put in the hospital around 5/07 with some pregrnancy complications. Money got really tight when I could not work and we were late a few days on a few payment and we always paid the 50.00 late fee. Anytime i knew a payment would be late i called ahead of time informed the secretary and also informed her of the exact day the payment would be there.in 9/07 we decided that we no longer wanted the house and moved in with family. We had paid our payment for september and october. I sent mr. Valput a letter informing him that we no longer wanted the home due to my health problems, we had to move in with family. I informed him that we moved everything out of the house and that i wanted to give him plenty of time to look for a new tenant. We were completely out by the second week of 9/08, We drove by the house the last week in 9/08 and there was already a for sale sign in the yard. Mr valput had had plenty of time to have the house ready for the next tenant and had placed it on the market before the month that we paid ahead was over. The home was sold/rented before Christmas on 08 because my husband and I would peroidically drive by to track the progress of the house.
My husband and i had made many improvements in the home oncluding painting everyroom in the house and sealing the basement. The kitchen floor was also replaced. The house was improved and there was absolutely no damages done to this home during out time there. Now i receive a letter in the mail that mr, valput is taking me and my husband to court on 9/04/09 fpr 3,000. I have never come across such a snake in my life. I would appreciate any help or information that anyone can provide me and aid me in my fight against the predatory lender.
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