I have had the same nightmare with these people that everyone else has. The person I have been talking to is Angel. No, this isn't a joke, that is who I am dealing with at VBM.... Angel.
My wife lost her Management job because they closed the store she was working at and I am not able to work the hours that I used to due to health problems. (I used to work about 60 hours per week, now I work only 40). So, we fell a few months behind and I'm not sure how we will get caught up.
We are doing a telephone transfer of one month's payment on Monday and from what I have read, that may be a mistake because now they have our account numbers and could possibly do that again without my knowledge or approval. Luckily I live in a small town and know the bank personnel well and hopefully a phone call to the bank will stop all further withdrawls from VBM without my consent.
And the insurance thing. I questioned why my payment which was regularly $615.71 went up to $699.76. It was because they didn't have proof of my insurance. So we faxed them a copy of the declarations page on Wednesday and from what I have read from other posters, I am sure that is going to be a battle trying to get that money back from them.
I am afraid that our home is going to end up repossessed. I am curious if anyone else has gone through a repo with VBM and what their experience was. I have searched for hours on end on the internet but I have yet to be able to find anything that deals with the legal aspect of Mobile Home reposession. I am really curious as to what my legal rights are, what the process is (I am pretty sure that I have received all the appropriate notices) and how long I have to move out once it is decided that they come and get it. If I could afford an attorney, I would hire one.
I will try to post updates as they happen.