Doesn't Care About The Customer
MARYVILLE,, TENNESSEE -- My husband and I have been with Vanderbilt since 2003. At first were satisfied with Vanderbilt, we made our payments on time each and every month never late or nothing. Alright, then my husband's father passed away, we had to cover the funeral expenses, then my husband hurts his back and off from work over 2 months, then I had two small children, therefore not able to work full time anymore. Alright, since things are getting a little tougher my husband and I thought we would save a little extra money by transferring from a biweekly payment to a monthly payment. My husbands call and speaks to one lady at Vanderbilt, she said that would be fine and our payments would not go over $800.00. After that we get a letter in the mail our mortgage payments are over $800.00, alright, then later they go up to $900.00, then come down to $700.00 by decreasing and rewriting the insurance on the home. At the end, our mobile home notes go back up to $800.00. And now, my husband and I are 2 months past due, and we don't know what to do. No one that we know is refinancing mobile homes, and if you are not living in a mansion lenders really do not want to talk with you. We have tried to talk with Vanderbilt on several occasions about a loan modification, extension of payment, or a forbearance. They do not want to work with us. All Vanderbilt does is call every other day and demand the money, then they tell us if we don't have the money in the office by a certain day they are going to foreclose on the home. They threaten to foreclose on the home even if we are just 5 or 6 days late. This company is unrealistic, they need to care for the customers and not just money. Everyone is having troublesome times, due to the economy and other situations in their lives. Companies like Vanderbilt they do not care at all. As of right now, my husband and I don't really know what to do. We like our place but we are constantly struggling to make ends meet and plus pay the mortgage note. We just need help, but no one to turn to. We have been told that we can file a lawsuit against Vanderbilt for going up our notes due to us having a fixed rate. We haven't decided yet.