• Report: #474020

Complaint Review: 21st Mortgage Corporation

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  • Submitted: Tue, July 28, 2009
  • Updated: Fri, June 25, 2010

  • Reported By: Yavonne — canastota New York U.S.A.
21st Mortgage Corporation
Po Box 477 Knoxville, Tennessee U.S.A.

21st Mortgage Corporation Making me pay for my land again!!! Knoxville Tennessee

*General Comment: 21st mortgage isnt all bad

*Consumer Comment: Improvements

*UPDATE Employee: Comment

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I bought and paid for my lkand in december of 2006 and used it for collateral for the doublewide i live in. I found out last month in my security agreement that i am paying for my land again, and 21st mortgage corporation says it $14,800.00 was for the improvements they did on my land. The only one that came out to clear a spot and put the pad in was from wholesale homes in central square,ny. I also owe them 2 months payments, but i feel until i get this cleared up, i owe them nothing. I have a lawyer and another person fighting this for me, but they don't think anything can be done. Any help wopuld be appreciated!!!!!!!!!!!!!!!!!!!!!!!!!!

Yavonne
canastota, New York
U.S.A.

This report was posted on Ripoff Report on 07/28/2009 03:32 AM and is a permanent record located here: http://www.ripoffreport.com/r/21st-Mortgage-Corporation/Knoxville-Tennessee/21st-Mortgage-Corporation-Making-me-pay-for-my-land-again-Knoxville-Tennessee-474020. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 3Consumer 0Employee/Owner
Updates & Rebuttals

#1 General Comment

21st mortgage isnt all bad

AUTHOR: SLINKY DOG DADDY - (United States of America)

SUBMITTED: Friday, June 25, 2010

after reading this report i felt compelled to share some facts with the readers of ripoff report. improvements on a mortgage loan are handled by the retailer(in this case wholesale homes) bids on these improvements are made by the retailer in advance of the closing. and the improvements and amounts of the improvements are disclosed at the closing of any mortgage loan. sounds to me like wholesale homes is who yavonne should be reporting!                                                            
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#2 Consumer Comment

Improvements

AUTHOR: Happynuc - (U.S.A.)

SUBMITTED: Tuesday, July 28, 2009

I just want to make sure you understand what they mean by an improvement to the land. An improvement is virtually anything that takes raw land and adds to the value. Putting any structure on the land is normally considered an improvement. I am not sure how much the pad costs to install, but I do not think that is too out of line (depends on what part of the country) for a foundation.
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#3 UPDATE Employee

Comment

AUTHOR: Silverado - (U.S.A.)

SUBMITTED: Tuesday, July 28, 2009

It is the policy of 21st mortgage to only address customer complaints in a confidential discussion with our customer. To appropriately respond to a complaint may require releasing confidential information, which is strictly forbidden under federal privacy regulations. We will attempt to contact the referenced customer to resolve this complaint
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