Vanderbilt Mortgage; Miss Smith Acct Representative harrassing phone calls, threats of forclosure, uncooperative, rude, ripoff artists!!! Maryville Tennessee

I started falling behind on my mortgage payments around Christmas 2008. Miss Smith called me 3 or 4 times/day at home and left messages at my job daily. I answered nher ncalls at work a few times and told her I couldn't talk at work. She proceeded to threaten me that if I didn't make a payment immediately at a moneygram station, she would be forced to put my account into forclosure. I would explain that I knew I was behind, but that my income had become reduced due to a slowing economy. I told her that I would like to bring my account up to date, but that I just wasn't in the financial position to do that. She would tell me that she didn't believe me and that I must have relatives who would help.

I finally got caught up in March due to my tax return. I had every intention of paying april on time. However, the roof to my mobile home was in serious need of replacement and I had to use my tax return to pay for that.

Here is where the ripoff part comes in. My home was never given a homeowner inspection prior to a mortgage being written. I was given a 1yr. home warranty by Vanderbilt which was to cover everything. I could never get anyone to comeout to fix anything. Finally, when someone came out 2 separate times, all he did was cover up problems. He never replaced anything.

My roof caved in about a year ago. I'm pretty sure a bad roof would have been found in 2001 with a home inspection, an inspection I was told I didn't need for a moble home. I was given a used ac/heating unit to replace a broken one and a used stove and dishwasher. All of these things had to be replaced at my expense right after my 1yr warranty expired. I complained of a soft spot in my shower only to find the shower was cracked and leaking. This caused the floor underneath to rot.

Of course since nobody would listen or come replace my shower, I ended up paying for a replacement shower, subfloor, and vinyl flooring in the master bath room. The faces of all my kitchen cabinets had water damage before I bought the mobile home. They should have been replace, but weren't. One by one the cabinet doors have fallen off and nobody would come to even check out my claim. Again, I am left with the repair/replacement bill.

All of the problems I have fixed at my expense should have been repaired/replaced while the warranty was in effect. Instead I was ignored and dismissed until my warranty expired so that they wouyldn't have to pay for any of it. And now when I am having trouble keeping up with my mortgage payments, they are unsympathetic and unwilling to work with me. I'm tired of the constant threats of forclosure and feel like walking away from the whole deal and letting them have this money pit back.

Kathy
Apopka, Florida
U.S.A.