My husband and I purchased our mobile home in 2002. After a run around with getting in to the trailer ( this took over 6 Months ). We bought our home through Clayton and used our land as collateral.. better interest rates we thought...WRONG> I became ill and husband had to put me on his insurance at work which was well over $600.00 a month. This insurance was set so we were committed for a year. Now the year is over we have to cancel insurance on me. We have recieved less than 5 call for
late payments and 1 letter in the 3 years.
So we assume we are ok, WRONG again now they call and tell us there is no grace period and we need to come up with the payment of $501.00 in the next 5 days.( we were late 24 days )or they would forclose.
They were very rude and don't seem to care that I am ill and my disability may take a year or so. I also told them that our electric bill are running over $300.00 a month, due to the air conditioning unit they supplied with the house... to small.
The women I talked to stated that I shouldn't have paid my electric bill that I should have paid my house note and was very rude.
I also explained we have small children and needed to run the heater at night due to the cold tempatures,,she jumped all over me and then told my husband that we needed to come up with another $501.00 in that 5 days...that is $1,000.00 in 5 days.
We are honest working people and it is hard to believe they can do this... they are going to take our land and all...and only now do we find out we have no grace period. She told me they will come take our home and land if we are even 1 day late....
It is a sad world we live in when there are people out there that don't care about others. Watch out and read everything...dishonest and very rude... I know the good Lord will take care of us... and someday he will take care of them as well...
Concerned Mother and Wife