The harassment didn't start until I called Vanderbilt one day to ask them my total amount and Jimmy answered the phone. He asked me why I wanted the balance and I told him I wanted to refinance. He said I couldn't refinance until I paid a year on time. I told him I did not want to refinance with Vanderbilt I had another company to refinance with, he than told me for that reason he would not tell me my balance.
I then became behind in April of this year. So they started with the phone calls. They called my home when my 15 year old son was there by himself. So my son kept hanging up on them so Lisa kept calling back 10 times or so. My son finally told her I was not home that I was at work and just hung up. She called right back and told him to shut up and listen if he wanted to keep our home.
I called her when I got home and asked her why she talked to him that way and she said he was mouthy with her and she was trying to get him to listen. She than sent me a notice of default on 5-16-05 and said I had to have 1116.00 due by 6-16-05 or we would have to get out.
I sent her $350.00 of that amount and she kept calling me at work just about every day, I told her if she had to talk to me to call me at 10:30 on my lunch break, she called anytime but 10:30. She than raised my house payment without letting me know, and she told me she did send a letter out and it wasnt my fault I couldn't get my mail. In the meantime Vanderbilt sent me another letter that said I had to have another 886.00 on top of the other amount.
I told her I would have $350.00 on 6-16 and the remainder on the 17th before her office opened by western union and she told me not to bother to send anything if I could not have the full amount on the 16. She than told me I would have to be out of her house by the 6-24-05.
I told her that would be impossible. So Lisa from Vanderbilt than sent me another letter the next week and told me if I could come up with the total amount of the loan by 6-27-05 that I could keep my home. The same day I received that letter I was delivered a letter by the mobile home company I purchased the home from and they want me to sign all property and the home back over to them to avoid legal matters.
I have an appointment with an attorney the 28th and I hope he can help me save my home. If you have any suggestions please let me know.
I wish we could all get together and sue this company. This lady from Vanderbilt also tried to get information about me from my co-worker now isn't that breaking the new HIPPA law.