My husband and I financed a doublewide originally with Conseco who went belly up and was bought out by GreenTree Servicing. We had been told we could re-finance in one year for better interest rates. Four years later we still have not been able to because GreenTree is not doing this at the time.
During these four years, we have fallen on bad times due to health-heart attack (husband) and multiple back problems and surgeries. I am now disabled and receive SSA checks. My husband have paid our loan faithfully until this past summer when we got behind.
However, we talked to IVA/EVA and set up deferred payment schedule with a guarentee (not in writing) from IVA/EVA and her supervisor that this would not show up on any credit report or internal note. Needless to say, two months ago we have on our credit report that we were 30-90 days late on our payments, WHEN we made arrangements with them to defer payments for 3 months, with no negative reports being made.
When we called to challenge the report and ask questions about it, why it was reported as a negative credit history, we were told that there was no documentation regarding the agreement or notes even about them calling and setting up this arrangement. They had no calls from anyone to us about the situation. I thought that when a company called you regarding payments etc., that notes were put in your record regarding who called, when, discussion, payment arrangements etc. The different individuals that call always seem to know this information etc now.
If we had known then what they were doing we would not have done the above arrangement. We made this arrangement at the suggestion of their representative. I wish now we would let them come and get the double and get it off our hands. We have found a company that is going to help us get this paid off in 6-7 years rather than 30. It will save us considerable interest and money. I fear that Greentree will say we still owe them monies when it is all paid for.
Well, lessons learned, but it still does not change the lies, the treatment, the disrespect you get from Greentree. I do not understand why they are not investigated and monitored.
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