Vanderbilt Mortgage And Finance Vanderbilt Mortgage is rude, pushy, rip-offs who want to make our lives miserable. Maryville Tennessee

My husband bought a home through Claton Homes in Sevierville, TN 2 years ago. When we first bought the home we had to go through about 6 or 7 turn downs before they finally approved us. At the time of approval we had alreday picked the house and colors we wanted. Instead of getting the mobile home that we "ordered" we had to settle for one that was on another lot because THEY said the interest rate would be raised to 11.25% (which I found out later the opposite) the next month. This is where our troubles BEGAN.

We finally got approved after jumping through every hoop they threw at us to get an FHA loan on our mobile home. When we got the approval on this home we were getting financed through Vanderbilt Mortgage. I had dealt with them before and thought well it would be ok. Boy was I wrong. Just this summer my husband and I had fallen on hard times. We needed one or two days to make a mortgage payment. I sent them $350.00 of our $400.00 mortgage payment. They told me that if I did not send them the other $50.00 by midnight that night that they would proceed with the foreclosure paperwork the very next day and that I would not be returned the $350 that I had sent in.

It just so happened that I was able to borrow the $50.00 to make that payment that evening. These people were so rude and uncaring that it was unreal. I was in tears by the time I had gotten off the phone with them that day.

Well our mortgage is due on the 1st of each month. We ALWAYS get it paid before the last day of the month which is what they say it has to be paid by in order for us to keep our home. Anytime it goes more than 2 days past due they are on the phone calling and harrassing us for our payment. They are relentless. I understand that companies have to protect their investments and what not.

They will not let us defer even a quarter of a payment if we need to. They say that with it being an FHA loan that no payments can be past the last day of the month and no deferments can be made. In other words if we can't make a payment for whatever reason we are out our home that we fought tooth and nail to get in the first place.

Well this is the 21st of July. My husband got a phone call night before last from guess who. None other than Vanderbilt Mortgage and Finance. They were asking my husband where our mortgage payment was. He has just been out of work for two weeks and we are doing good to survive on what I make. this woman had the AUDASITY to ask my husband WHERE our money was and "WHAT WE DO WITH OUR MONEY". She flat out was prying into our personal and financial lives. He asked her if it was legal for her to ask him personal questions such as that and she said, "It was perfectly legal and within her rights to ask such questions in order to gain a payment".

My question is: Is this legal? I would love to refinance and get away from Vanderbilt or something to settle these issues for once and for all. How can you get out of these situations without losing your home that you have worked so hard to gain and keep?

Julie
Sevierville, Tennessee
U.S.A.