Well about 3 years ago we had made a downpayment on a mobile home from the Oakwood Mobile Homes Inc. My step-daddy is the one who was supposed to be paying the notes on the trailor, and I was supposed to be a co-signer because of my credit was better than his credit. Well the man who had sold us the trailor name was Johnny Thompson.
He had told us that the payment will stay the same, and that it will not go up. The payment was supposed to be $326 per month, but now we are paying $409 per month because of insurance. Johnny had told us in the beginning that we will not have to pay that much for this mobile home.
Oh yeah a few days after we had to sign some papers in Mobile, he had came by our home for me to sign some more papers. Well my step-daddy wasn't home to sign some more papers, but he said that he didn't have to sign any papers because only the co-signer had to. Well so I did.
It had taken them about 2 or 3 weeks for them to bring the trailor. Then when they had bought out the trailor, he said the payments had to be raised up to 20 more dollars for insurance. Well we said O.k. Then about a few weeks later we got the book saying that we have to pay $362 a month.
He told us that if we pay $362 for six months the payment will decrease. Well we had done that, but the payments didn't decrease. Then in the beginning of the next year the payments was raised up to $409 for some other insurance.
When the trailor was delivered to us, the trailor was a mess. There was a ragedy couch in the living room. There was junk all over the floor. There was a tore up dresser in the middle of the floor.
Then the most terrible, nasty thing I have ever seen was that both toilets was filthy. Inside the toilet was black and nasty. When we was in the kitchen, there was a rat coming from under the sink.
There was also roaches in the kitchen. There was nasty stuff all on the walls such as dirt, red stuff. The ceiling fan was working.
All the rooms in the mobile home was terrible. It was so disgusting when we looked all in the house. When we had looked at the mobile home in Mobile, they said when we get the trailor it will look brand new in the inside, but that was a lie.
The air conditioner was working, but the heater wasn't working, and they still didn't come to fix it. Some of the outlets was out, and they are still out. There is a hole in the bathroom's door in the master's bedroom.
Now we have got behind in the mobile home because it is hard for us to pay for this home without a job. My mother is trying her best, but she want to give up now because this mobile home is not worth $409 a month. My mother is going through a divorce, and she just can't handle this anymore.
Oh yeah, my step-daddy name is not on the payment booklet. It just say my name, but my name doesn't supposed to be on the booklet if I'm a co-signer. The only name on the booklet is my name.
Another thing is that I don't have a job to make payments. Johnny knew that in the beginning when he had sold us the mobile home. He did something under handed by saying that I am get social security, but I'm not. When he did that, we should have known better.
The folks from Oakwood Acceptance Corporation keeps calling us and harassing us to make the payments. This is not fair for what these people is doing to us and other customers. I hope something will come through for all of us.
We was so deseparate to get a mobile home to move out of that ragedy, infested snake house we was living in so we can get a mobile home. We are wishing and hoping that God will bless us with something to come along to help us. We are praying that God will let something happen for us not to move back into that ragedy house again.
I hope that someone will read this to help me and my family out. I hope there is a lawyer or someone to read this to help me and my family out, and other customers who is being ripped off. I hope and pray that all of us customers will get our money back soon or later.
I hope before it is too late before all the damage have been done.
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