Vanderbilt Mortgage And Finance [VMF] review: They over charged me, according to my contract 7

All you are doing is making so if something happens they cannot help you cause you never pay on time and you are giving them more money by paying late fees, i am sure they are not sad about that! Oh by the way, it is NOT illegal to call your neighbors and leave a message with them asking you to call them. I am sure your neighbors know why they are calling because you never pay your bill on time and never answer your phone. What do you think they are going to do then, call your family, work, neighbors, anybody they can to get ahold of you.

This is the same boat we are in.They never came in thru with fixing anything that they said they would we've been our home for almost 8 years and it's falling down around us but they want their damn money.They called my grandma and told her that they were going to send the cops to our house and have us and our two little children kicked to the curb.They have been nothing but a heartache for me, they made it sound wonderful and they have made me cry so many times...my work had to threaten to file charges so they would quit calling me there.I say we all get togeather and say CLASS ACTION LAW SUIT!

Short sell that property as soon as possible. If enough people default they will go out of business. Oh yea Brian you are right about that not being illegal but it is very unprofessional. It just reflects the morally bankrupt company that Vanderbilt is. Any company that charges double or triple the interest rate of a traditional mortgage is in fact a SHADY COMPANY bottom line! You can try and rationalize it all you want. Just because its not illegal doesnt mean its right! Brian here is a piece of advice for you if you do work for Vanderbilt or a company like them. Save your humanity and quit! If that doesnt appeal to you think about this! Vanderbilt and companies like it specifically target low income/low credit individuals and families. These people are much more likely to default, now look at the financial situation our country is in. Who do you think will be the first to default? The people barley making it thats who! Who are these people? YOUR CUSTOMERS! All the rude phone calls and underhanded collection techniques are just a sign of a failing business! Good news for your CUSTOMERS bad news for the employees that are equally guilty of everything their company does! YOU DESERVE WHAT YOU GET! KARMA will get YOU!

Hello my name is Bob Eaton I made the big mistake of going thru CLayton homes in april 2009 first off they told me the home was a year end clearance model, after they informed me about the first time home buyers credit that was available then they sent me to a tax lady they were sending potential buyers to and actually filing the federal goverernment first time home buyers credit money and getting it be for they even signed a contract or even went to the title, closing appointment which was my case at the time of title deed closing I find out the home was actually 2years old a 2007 so now the is already 2 years old they DUG my property up and poured the foundation be for even went to closing then they tell me I had to get rid of the doublewide I already have on my 4 acreas of land I own FREE AND CLEAR! (Because of the first time home buyers credit money You can not have bought or owned a home in the previous 3 years, I Later found this out so now they committed federal government IRS fraud ! And THEN THE IRS denied the home purchase credit money because they found out I had all ready owned a home here and wanted there 8000 dollars back ! The it's was going to levy on the house and my land ! I fought back and forth with irS for 2 years ! ALSO HOUSE was DAMAGED in setup foundation is not level home doesn't even set oN foundation for about 25 feet walls are coming apart Doors won't close have the Windows won't close and lock this whole deal is a mess been a mess I have tried going thru the Missouri manufactured housing authority 2 years later no fix waist of time Clayton knew the home was DAMAGED in setup and foundation and so did the Missouri manufactured housing authority Later filed a claim with my home owners policy which is home first agency who is owned by guess who ? Clayton homes well they denied my claim do to to much settling which has been my problem from day one, , , so they lieD To me DAMAGED the home committed IRS fraud, PRICE GOUGE high interest Rates the list is endless ! Home has been here 4 years and I can't do anything with it never been late on even one payment to add to all this I am on social security disability and they knew this iI had told them from day one i had no extra money ever, if anyone would like to talk about this or more of what has happened mY email is bob6163366@yahoo.com Clayton and all there associates are scammers, !, liers! Thieves! AND if you do try to contact Clayton they are rude ignorant and do try to threat in you hope many people read this please! Thanks in advance Bob Eaton

Theres a difference between your rate and APR. You need to read...they told you all of this when you were happy to get the loan.