• Report: #814526

Complaint Review: Vanderbilt mortgage and finance

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  • Submitted: Tue, December 27, 2011
  • Updated: Sun, January 22, 2012

  • Reported By: cathy — ermine Kentucky United States of America
Vanderbilt mortgage and finance
500 alcoa drive Maryville, Tennessee United States of America

Vanderbilt mortgage and finance never buy from them have not sent me a bill in 8 months to let me see how much we owe but exspect to be paid with me having no correspondence Maryville, Tennessee

*Author of original report: Another Employee of Vanderbilt

*Consumer Comment: You Have No Credibility....

*Author of original report: this must be someone from vanderbilt writing this

*General Comment: Why

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In 2004 we bought a manufactured home from edgewood, which is in hazard, ky, the finance people at the time was chase manhatten, now sometime during this process vanderbilt took over our loan. My husband lost his job the early part of this year we tried numerous times talking to numerous people at vanderbilt to try to receive help with no aveil, we were met with some of the rudest people in the business talked to like no human should have been. In Sept with help of family we borrowed enough money to pay our back payments of 4200.00 at that time we had received a letter saying it was going into foreclosure, we called there law firm and spoke with a matthew kleinart who i instructed that we had the 4200.00 but now they were asking for 845.00 which we didnt have, so the next call received was from eric in the legal dept who so miraculously was going to take the 4200.00 we just had to have it to them by sept. the 20th, which we done. In the mean time still no bills statement coming in us still be unsure of our future call and speak to a cary in legal who said they never received the cashiers check and the foreclosure was proceeding, so i inturn told her we would track the cashiers check and see what was going on. The same day we called our local bank to find out it had been cashed and endorsed by a sarah that worked there, i called vanderbilt back and again spoke with cary who said they had talked to sarah and it had been credited and nicely stated sorry for the inconvience. 2 months go by still with no bills still dont know whats happened and speak to an eric who stated oh we just seen u had paid up the bill so we will do an extension of 2 months if u go ahead and pay 845.76 which we did and they received on 11/16/2011, now as we are still awaiting a house bill i call today 12/27/2011 and speak to an andy rogers who i say i havent received a bill in now 8 months when is our payment due he replies"you were suppose to pay this bill in December you r past due again what is your all's problem we try to help u out and u don't want it, i explained to him i had never received a bill in 8 months and he states u know when your payments due u low life pay your bill, i in turn asked to speak to his supervisor lauren castle who then i put on recorder who told me the reason we had not received it was because we had filed the extension and the bill just didn't come, but we had to know pay 1600.00 and some dollars, i told her how was i to know to pay it when i had not received a bill and did'nt even know if they were crediting it to my account we had no proof, she said pay your bills or we will send u to foreclosure so i in turn told her to repeat to me why we were not receiving our bills and she states i just told u the papers were signed late and it was'nt sent, i left the conversation with thank u Mrs. Castle i have recorded u and u telling me u had not sent a bill she starts screaming u r not to do that, that is entrapment and i stated just like u record me without my permission u have a great day as i am hanging up she is still screaming all on tape saying "NO" click end of story si if there is a lawsuit please make me aware i would love to be part of it and have the necessary documentation and recorded proof, please if u finance a manufactured home do not do it from this company. It has affected my marriage and cause me pain and emotional distress since dealing with this in early april thank u for your time

This report was posted on Ripoff Report on 12/27/2011 05:38 PM and is a permanent record located here: http://www.ripoffreport.com/r/Vanderbilt-mortgage-and-finance/Maryville-Tennessee-37804/Vanderbilt-mortgage-and-finance-never-buy-from-them-have-not-sent-me-a-bill-in-8-months-t-814526. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
2Author 2Consumer 0Employee/Owner
Updates & Rebuttals

#1 Author of original report

Another Employee of Vanderbilt

AUTHOR: cathy - (United States of America)

As i have previously stated I have them recorded Jim S. but this matter has now been brung to the Attorney General's office in the state of Kentucky. They have the recording in there possession. Now Mr. Jim if that be your name you would send a 845.00 check to say myself not knowing me after I had lost a 4200.00 cashiers check still not receiving a bill to date to know if any payments had been processed or even the 4200.00 had been applied to your account, you yourself must have a great deal of faith in Vanderbilt, these people lie, cheat, and forge people's names as they have done here, Jim to try to not make theirselves look bad, but as many complaints that are on here against this upstanding company HAHA, people on here know this is NO lie.
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#2 Consumer Comment

You Have No Credibility....

AUTHOR: Jim S - (United States of America)

As much as I hate customer service, there is 100% no way you were called a low-life.  Now if you were called that by one of their collection agents, I can see that.  After all, in their eyes, you sort of are.

The bank is correct in that you know when your payments are due.  So why not pay them??  Simply not having a statement isn't a reason not to pay.  I mean unless you happen to be unaware of your own surroundings, the place you're living in has a payment associated with it.  You know your account number; put that on the check and send it off.  If you pay online, get an online account and send it off.

There is no reason for you to be in this mess, and no reason the bank would want to foreclose on a mobile home they'll never be able to sell for value unless you really messed up.  Get with the program and make payments...now.  Best of luck to you.
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#3 Author of original report

this must be someone from vanderbilt writing this

AUTHOR: cathy - (United States of America)

As for the low life comment i have them recorded saying it and his name is Andy Rogers, who works at vanderbilt, and if u read the report i filed my husband had lost his job and thats why we fell behind on our payments, and the only reason they worked with us is because we have no water and we own our land so that is the only reason they worked with us. They didn't want to have to come and get it off our property. Please read the report vanderbilt before u comment on things u still seem like u no nothing about.
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#4 General Comment

Why

AUTHOR: TheTroof - (United States of America)

constructive criticism

1.  Why were you behind in the first place?  $4200 behind on a mobile home payment must have been at least 6 or 8 months past due.  Most mortgage companies would have foreclosed on you long before that.  This company doesn't sound like they were quick to foreclose on you.  I would like to view your overall payment history with this mortgage company and see how it looks.  Were you a good paying customer up until this certain period of time or did you always pay late?  Flexibility goes away after awhile, ya know?

2.  Did you say they gave you an extension?  And you're mad at them?  I wish my mortgage company would give me an extension.  You actually make this particular mortgage company sound fairly flexible the way you talk about them.

3.  I have a very hard time believing someone called you a lowlife on the phone if they record their calls.  If true, that is not very professional.
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