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Vanderbilt Informative - Harrassing Phone Calls

Review by wvsnbelle on 2005-12-04
My mobile home mortgage was sold to Vanderbilt a few years back, without my knowledge of it being sold. Since then, I have had harrassing phone calls, not all the time, but sometimes. I have had to let the mobile home payment go for a week or two to get other bills caught up. When they call about the payment, they tell me that my home should come before anything else. Well, sometimes it has been the car payment that I have had to skip the trailer payment for. If you don't have a car, you can't get the money to pay your trailer payment. I have also had to let it fo sometimes just to pay my utility bills to keep them from being shut off. I have 2 children and I am a diabetic, so our utilities are just as important. We need to ban together and get them to quit the threatening and harrassing phone calls. And I almost forgot, they have called me before and said that I had no insurance on my home, which is a lie, because we have an escrow account that takes care of that. I had to call back and talk to a manager about it.
Comments:5 Replies - Latest reply on 2006-02-28
Posted by graybird1 on 2005-12-05:
Sounds like you are one paycheck away poeverty and I don't envy you. However, if they haven't been overly agressive, you don't really have a case. Every creditor is going to expect their bills to go to the front of the line, but in this case, I would agree that you should pay for your housing first. There are laws retstricting when utilities might be cut off so you have a bit more flexibility working out payment with them. You are more likely to damage your credit rating and risk loss of habitat by delaying mortgage payment. Good luck.
Posted by bill on 2005-12-05:
You can't blame them for calling you when you are late with your payments. You need to do a budget and see what you can afford each month. It looks like you can't afford both your car and the mobile home. Consider selling the car and getting something cheap but reliable. Or sell the mobile home and move to a less expensive apartment. Either way, you need to cut some monthly expenses and create a budget that you can afford. It may not be what you want to do right now, but in the end you will have less stress and be happier. I hope it works out for you.
Posted by spiderman2 on 2005-12-05:
Your profile says "I am a mother and housewife. I have 2 wonderful children, well, almost grown boys." If you are having trouble paying all your bills, it might be time for you to get a job. My diabetic mother had to when my brothers and I were almost grown so that she and my dad could make ends meet with 3 kids in college. It might be worth a try.
Posted by Anonymous on 2005-12-05:
I'm sorry, but after reading this & you other letter a couple times now, I fail to see how this is the credit companies fault.
Posted by wvsnbelle on 2006-02-28:
Thank you all for your comments, and I probably made things sound worse than they are. The only thing I was trying to state is that they shouldn't call but one time. Not every 3 or 4 hours, 6 to 7 days a week. And they don't need to be rude and put a person down either. If you have never had this problem, then you have no idea how they make a person feel.

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