Vanderbilt Mortgage & Finance - Home First Agency (Insurance) Vanderbilt needs to be investigated The reps scream at the customers over the phone make threats and still expect you to continue listening ripoff Maryville Tennessee

I have the direct number to at least get as far as the voice mail of Kevin T. Clayton, hopefully it will get posted, as we all know the number to Clayton Homes which is 1-865-380-3000, and Kevin T. Claytons extention is 2600, goes straight to his voice mail, hopefully if enough of us contact the extension and leave a message we may get something resolved, i have called many times to the extension in the past few days and the legal department calls back via Kevin T. Claytons request so he is getting the messages, and i have been asked what would it take to get me to stop calling, I will end this post right there and I can only pray and hope that you all at least give try and call if we pull together, and enough complaints are heard something may eventually happen, ask Kevin Clayton on the voice mail for your Amortization Schedule and i have been assured by a true friend that knows banking and finance, they have to give that to you, that tracks the payments as well as the interest on the home and where it went how it was posted to the account and so on,

I have no reason to lie,,,,,,,as everyone here already knows that has dealt with Vanderbilt has already expressed that they have been talked to in the same ways that we have been from the reps at Clayton/Vanderbilt, we have tried to resolve the issue, but for some reason Vanderbilt does not want to work it out with anybody, not any of the home owners, (have you read all the ripoff reports?),,,,,and as for the account number - anyway we received the letters when they were hand delivered. How was the last Pizza Party, one of the reports on here talk about that from a past employee, and they go into detail as of how that the reps call all the home owners and pretty much compete with each other to call home owners, per say every call made some how there is another dollar earned, search the reports im sure that you will find it.

First off a mobile home does not gain equity. The home is a vehicle. It has a title. You defaulted on your loan by not paying your payments per your contract. Second the letters they sent you certified were the notification of your default and their intentions if you fail to get current within a 30 day period. You failed to do so. The next letter they sent was a notice of acceleration which means that by law and the contract you signed they demanded the full loan to be paid in full in 10 days from the postmark.

They are not obligated to accept a payment that you send in. The certified letters you did not pick up are stamped by the post office 3 or 4 attempts to deliver then returned because unclaimed. That in court will show that they properly notified you but you chose to ignore it. The Legal reps you are speaking of are trying to offer you a chance to save your home because if it goes to court you will be ordered out and they will secure a writ to remove and have it served by the sheriff. Your belongings will be placed in storage and you will have to pay to retrieve them.

If you do come to a settlement before court then you will have to pay so much on the loan which will be the full past due and any interest and penalties and legal fees. At that time before they settle with you , you may be required to sign a settlement agreement which will state that if you default per your contract again that they do not have to go through the notices and courts and will immediatly begin right back with the writ. If you refuse to sign then they do not have to settle with you.

The contract that you signed is a vehicle contract and the default starts if your payment is not received in the office by the due date. So take note if you do accept the settlement. If you do not communicate with the company that owns your home then yes they by the guidelines of the FDCPA can try to locate you through searches. There are several web based sites that compile a list of relatives and friends and neighbors as well as place of employments and they can call to try to gain contact. They will state their name and give the company name Vanderbilt and a reference number (account number) they do not state account so if your family assumes that you are not paying for the home you are squatting in then that is them. If you do not want them to try to locate you then it would probably be best to call before you are in this shape and talk to the rep about why you cannot make your payment and what is taking president over your home.

If you are honest (and they can tell in most cases) then they do work with you. But keep in mind every word you say and every conversation is documented in detail and date and time stamped. The rep does review this before considering working out arrangements with you since you are the one not keeping your end of the contract. And i can assure you that no rep talked to you like the way you stated, you heard what you wanted to because you are mad that they are not going to allow you to occupy a home that you will not pay for. The interest accrues daily when and when you do not pay that is more money lining the pockets of the company and the employees and less to the principle of the loan so you will pay longer. Why would the rep be mad? but you can only abuse a contract for so long before the company is going to say no more and when they said that your feelings got hurt and you at that point are going to say whatever you can to try to make yourself feel better.

Read the contract and tt an attorney of you do not understand. Anything you own or any wages you make are in danger at this point. You need to make a desicion as to what you are going to do.

First off a mobile home does not gain equity. The home is a vehicle. It has a title. You defaulted on your loan by not paying your payments per your contract. Second the letters they sent you certified were the notification of your default and their intentions if you fail to get current within a 30 day period. You failed to do so. The next letter they sent was a notice of acceleration which means that by law and the contract you signed they demanded the full loan to be paid in full in 10 days from the postmark.

They are not obligated to accept a payment that you send in. The certified letters you did not pick up are stamped by the post office 3 or 4 attempts to deliver then returned because unclaimed. That in court will show that they properly notified you but you chose to ignore it. The Legal reps you are speaking of are trying to offer you a chance to save your home because if it goes to court you will be ordered out and they will secure a writ to remove and have it served by the sheriff. Your belongings will be placed in storage and you will have to pay to retrieve them.

If you do come to a settlement before court then you will have to pay so much on the loan which will be the full past due and any interest and penalties and legal fees. At that time before they settle with you , you may be required to sign a settlement agreement which will state that if you default per your contract again that they do not have to go through the notices and courts and will immediatly begin right back with the writ. If you refuse to sign then they do not have to settle with you.

The contract that you signed is a vehicle contract and the default starts if your payment is not received in the office by the due date. So take note if you do accept the settlement. If you do not communicate with the company that owns your home then yes they by the guidelines of the FDCPA can try to locate you through searches. There are several web based sites that compile a list of relatives and friends and neighbors as well as place of employments and they can call to try to gain contact. They will state their name and give the company name Vanderbilt and a reference number (account number) they do not state account so if your family assumes that you are not paying for the home you are squatting in then that is them. If you do not want them to try to locate you then it would probably be best to call before you are in this shape and talk to the rep about why you cannot make your payment and what is taking president over your home.

If you are honest (and they can tell in most cases) then they do work with you. But keep in mind every word you say and every conversation is documented in detail and date and time stamped. The rep does review this before considering working out arrangements with you since you are the one not keeping your end of the contract. And i can assure you that no rep talked to you like the way you stated, you heard what you wanted to because you are mad that they are not going to allow you to occupy a home that you will not pay for. The interest accrues daily when and when you do not pay that is more money lining the pockets of the company and the employees and less to the principle of the loan so you will pay longer. Why would the rep be mad? but you can only abuse a contract for so long before the company is going to say no more and when they said that your feelings got hurt and you at that point are going to say whatever you can to try to make yourself feel better.

Read the contract and tt an attorney of you do not understand. Anything you own or any wages you make are in danger at this point. You need to make a desicion as to what you are going to do.

First off a mobile home does not gain equity. The home is a vehicle. It has a title. You defaulted on your loan by not paying your payments per your contract. Second the letters they sent you certified were the notification of your default and their intentions if you fail to get current within a 30 day period. You failed to do so. The next letter they sent was a notice of acceleration which means that by law and the contract you signed they demanded the full loan to be paid in full in 10 days from the postmark.

They are not obligated to accept a payment that you send in. The certified letters you did not pick up are stamped by the post office 3 or 4 attempts to deliver then returned because unclaimed. That in court will show that they properly notified you but you chose to ignore it. The Legal reps you are speaking of are trying to offer you a chance to save your home because if it goes to court you will be ordered out and they will secure a writ to remove and have it served by the sheriff. Your belongings will be placed in storage and you will have to pay to retrieve them.

If you do come to a settlement before court then you will have to pay so much on the loan which will be the full past due and any interest and penalties and legal fees. At that time before they settle with you , you may be required to sign a settlement agreement which will state that if you default per your contract again that they do not have to go through the notices and courts and will immediatly begin right back with the writ. If you refuse to sign then they do not have to settle with you.

The contract that you signed is a vehicle contract and the default starts if your payment is not received in the office by the due date. So take note if you do accept the settlement. If you do not communicate with the company that owns your home then yes they by the guidelines of the FDCPA can try to locate you through searches. There are several web based sites that compile a list of relatives and friends and neighbors as well as place of employments and they can call to try to gain contact. They will state their name and give the company name Vanderbilt and a reference number (account number) they do not state account so if your family assumes that you are not paying for the home you are squatting in then that is them. If you do not want them to try to locate you then it would probably be best to call before you are in this shape and talk to the rep about why you cannot make your payment and what is taking president over your home.

If you are honest (and they can tell in most cases) then they do work with you. But keep in mind every word you say and every conversation is documented in detail and date and time stamped. The rep does review this before considering working out arrangements with you since you are the one not keeping your end of the contract. And i can assure you that no rep talked to you like the way you stated, you heard what you wanted to because you are mad that they are not going to allow you to occupy a home that you will not pay for. The interest accrues daily when and when you do not pay that is more money lining the pockets of the company and the employees and less to the principle of the loan so you will pay longer. Why would the rep be mad? but you can only abuse a contract for so long before the company is going to say no more and when they said that your feelings got hurt and you at that point are going to say whatever you can to try to make yourself feel better.

Read the contract and tt an attorney of you do not understand. Anything you own or any wages you make are in danger at this point. You need to make a desicion as to what you are going to do.

First off a mobile home does not gain equity. The home is a vehicle. It has a title. You defaulted on your loan by not paying your payments per your contract. Second the letters they sent you certified were the notification of your default and their intentions if you fail to get current within a 30 day period. You failed to do so. The next letter they sent was a notice of acceleration which means that by law and the contract you signed they demanded the full loan to be paid in full in 10 days from the postmark.

They are not obligated to accept a payment that you send in. The certified letters you did not pick up are stamped by the post office 3 or 4 attempts to deliver then returned because unclaimed. That in court will show that they properly notified you but you chose to ignore it. The Legal reps you are speaking of are trying to offer you a chance to save your home because if it goes to court you will be ordered out and they will secure a writ to remove and have it served by the sheriff. Your belongings will be placed in storage and you will have to pay to retrieve them.

If you do come to a settlement before court then you will have to pay so much on the loan which will be the full past due and any interest and penalties and legal fees. At that time before they settle with you , you may be required to sign a settlement agreement which will state that if you default per your contract again that they do not have to go through the notices and courts and will immediatly begin right back with the writ. If you refuse to sign then they do not have to settle with you.

The contract that you signed is a vehicle contract and the default starts if your payment is not received in the office by the due date. So take note if you do accept the settlement. If you do not communicate with the company that owns your home then yes they by the guidelines of the FDCPA can try to locate you through searches. There are several web based sites that compile a list of relatives and friends and neighbors as well as place of employments and they can call to try to gain contact. They will state their name and give the company name Vanderbilt and a reference number (account number) they do not state account so if your family assumes that you are not paying for the home you are squatting in then that is them. If you do not want them to try to locate you then it would probably be best to call before you are in this shape and talk to the rep about why you cannot make your payment and what is taking president over your home.

If you are honest (and they can tell in most cases) then they do work with you. But keep in mind every word you say and every conversation is documented in detail and date and time stamped. The rep does review this before considering working out arrangements with you since you are the one not keeping your end of the contract. And i can assure you that no rep talked to you like the way you stated, you heard what you wanted to because you are mad that they are not going to allow you to occupy a home that you will not pay for. The interest accrues daily when and when you do not pay that is more money lining the pockets of the company and the employees and less to the principle of the loan so you will pay longer. Why would the rep be mad? but you can only abuse a contract for so long before the company is going to say no more and when they said that your feelings got hurt and you at that point are going to say whatever you can to try to make yourself feel better.

Read the contract and tt an attorney of you do not understand. Anything you own or any wages you make are in danger at this point. You need to make a desicion as to what you are going to do.

We have received calls from Amy Ferguson,& Sarah just in the past week from Clayton/Vanderbilt, even though we are scheduled for a hearing Monday morning here in west virginia, they have asked us to please rush money to them before the hearing, we have tried to contact Warren Buffett at Berkshire Hathaway and either Deb or Jackie always answers and almost always hangs up the phone in the middle of the conversation.

we have since then contacted the Omaha Newspapers and talked with Steve Jordan, Mr. Jordan covers news stories on Warren Buffett and Berkshire Hathaway, as well as a few other people that we have contacted and the ripoff reports have been viewed by some important people, I dont think Mr. Buffett ever hears the negative side about his Corporations, and if he does he just doesnt care.

We have paid $32.000 or about on our home in the past 8 years the payoff is right at $17.000. now they want the home back taking us to court to retrieve the home back, thats how they do when you are half way through the life of the loan. We have asked them to refinance and use the equity and or interest to refinance the home and the reps at Vanderbilt literally laugh and hurrily say that you havent paid interest nor have you built equity at all in the home, what do we do, never ending stress with this company, My mother has Cancer, i lost my dad as well as my brother within a years time, but do you think they care, NO!

If they were in our shoes im sure Mr. Buffett would be the first to protect their interests in their home. Whether some of you are employed through Clayton/Vanderbilt, or like the rest of us here complaining through Ripoff, The company is very Heartless