My story starts off much like alot of the reports here. Facing a foreclosure from Ocwen Bank. As alot of people here have allready found out you cannot win with these people. I wont bore you with the details, but It surfices to say I was facing foreclosure.in a desparation move we went to fleetwood homes.
I explained to the salesman the whole story. Slade Jarret (the slaesman) explained that Fleetwood had what they called a buy-for program where I could in effect use a relative to put the home in their name and after a year or two of making the payments on time I could have it transferred to my name.
My uncle who lived in New York volunteered to have his credit checked and It went thru. Slade Jarret and Powery Price explained to Buy-for program to my uncle exactly as they did me.
They called me a day later to tell me the paperwork was ready. And I should bring the downpayment I went to my bank and got 2775.00 and went to the dealership.
This is where I made a dreadful mistake. Powery Price (the sales manager) and I sat down for the closing. With a tape recorder on the desk (for effect only) and he again explained the process.
I would make the down payment (allready in his hands) and My uncle would be faxed the paper work to sign and fax back (of course they couldnt get him). At their request and my uncles permission I signed his name to the paperwork. The usual problems arised while setting up the home on my land. Contractor problems that delayed the set-up of the home.
Fleetwood stated that they would be making the first payment on the home because they caused such a delay and the didnt want me to get started off on the wrong foot on the buy for program. (THEY PAID IT BUT TWO MONTHS LATE.) and it was acutally due before the home was even delivered. Causing quite a problem between my uncle and myself. My uncle wanted an absoulute hands off approach to the whole thing.
After 1 1/2 years of making payments on time. I contacted the finance company and they never heard of any buy-for program.
After 2 years of making payments on time I contacted a lawyer. And filed a hefty lawsuit against Fleetwood and Fleetwood Enterprises. For fraud and other charges
After 3 years of Making Payments on time we had a deposition
After 3 1/2 years of making payments on time for a 30 year loan on a home that will never be my own I am waiting for my day in court.
I admit I was naive or just wanted to believe that this could all be possible. I was indeed desparate and must have had a sign on my forehead that said sucker.
EVERY BIT of what I have said can be verified with paperwork or thru my attorneys.
I just thought you all should know.
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