I had Conseco Mortgage which was then bought out by Vanderbilt, the worst thing that could have happened! First, their reps are very rude, including the so called 'supervisors'.
They have actually told me off, asked me personal questions that is none of thier business, told my boyfriend (who is collecting unemployment) to go mow lawns to pay the mortgage and even hung up on me!
I used to pay by check or money order, but they kept claiming that they never got them, so I'd have to put a stop payment on the check(s) and they told me to 'search' what happened to the money order......that was until they found out it was a Western Union M.O., then it MYSTERIOUSLY appeared!
So now we quick collect , which is an extra 12.95 just to avoid all the crap. They call and harrass, telling us their going to foreclose on our home, they threaten if there's not said amount by the next day they'll send someone out to take pictures of our home!
They say a mobile home mortgage is different than a mortgage on a 'regular' home. and it can and WILL be handled differently!
I called another mortgage company with questions and they told me as long as it's a mortgage, you have to be at least 60 days late no matter what kind of home it is.
PLUS, a foreclosure takes a longer time than they claim, they can't just send a man out to photograph my home and then kick us out and a forclosure can be reversed by paying your back mortgage due.
I'm so sick of the rude people, the threats, the lies.... and I can't refinance yet because as they put it'I've been late so many times that most of the money I paid over 2 years went to INTEREST not to the mortgage!
According to them, my mortgage is only paid down approximately a little over 200 dollars! In 2 and a half years!
My best advice STAY AWAY FROM VANDERBILT! And to those who already have them, I feel bad for you, and I understand.