Vanderbilt Mortgage

by Anonymous From Eastover, SC on February 07, 2012

This company will lie to you. They also don't care how they talk to you. They also do not take into consideraton your medical problems.

by Anonymous From Winchester, TN on February 06, 2012

by Anonymous From Greenville, MS on February 02, 2012

VMF is, by far, the rudest people i have ever dealt with in my life. they call you with harassing phone calls and even ask for your job phone number to harass you there. who would want to be called on their job from them? then they talk to you any kind of way as if you are nobody. VMF is full of mess! i regret i signed a contract with them for my house.

by ndasouth From Jackson, TN on January 18, 2012

This company is a rip off. They lied about several things that would be included in my home loan. Due to that I was responsible for electrical, water and septic hook-up to my home. In the real world who wants to move into a home that still needs work. This company is very deceptive when it comes to contract negotiations, so I advise anyone dealing with Clayton Homes/ Vanderbilt Mortgage to record anything you agree to with them. They are very rude and demanding. When they call your home they do so in a threatening manner without considering your circumstances. This company should not be in business at all. If you are considering purchasing a home through either company please run because they are a scam and they will take your home and steal your land as well!!!

by hall From Terrell, TX on January 03, 2012

my house burned last month, they are hounding me to sign the check , then i found out there's a balance due of 7,000 dollars, and i had a land/package deal, insurance was with their company and so now what do i do? i am just ignoring their nasty messages until i can find out if i have any rights as far as why their insurance company wont pay the loan completely off? is is because they want the 2 acres of land? any help with this would be greatly appreciated

by Anonymous From Lake City, FL on January 03, 2012

They call daily saying they want to work out for us to keep our home and then say that we must pay the full amount we are delinquent and will not accept any payments

by Anonymous From Germantown, TN on December 27, 2011

by Anonymous From Pendleton, SC on December 09, 2011

Vanderbilt is very rude and harsh when it comes to having financial hardships due to illness. They don't care what and how they talk to you. Their website has all these steps that claims it helps if your facing foreclosure. I hope they record conversations like they said because that will be proof of all the nasty things said to me for being late on payments. I pray these people change their wicked ways and stop talking to people like they have never had a hard time in their lives. Be careful of Clayton Homes too because they also will have you in a bind with poor set up. Thank goodness I kept all my paper work on how the county failed them when they inspected our home all the way down to the dirt driveway that was cut. We could not stay in our home for 2 months after it was set up. Payments were due and we was not living in it and paying rent at another place just to have somewhere to stay. I just pray things work out with our home situation and we get pass the nightmares.

by Stanley Johnson From Winnsboro, SC on November 25, 2011

by Anonymous From Wilmer, AL on November 10, 2011

will not work with you. ask personal things. rude to there customers. think there above the law. tell you any thing to make you worry.

by Anonymous From Rochester, MI on November 09, 2011

Most companies will work with you if you have been a good customer for years, but not VMF. They will not even work with a Federal funded housing organization to help during a hardship. It's rather sad that a company that deals with clients that are not wealthy and looking for affordable housing in the first place, turn around more difficult than it should be. There a lot of mortgage companies out there. Buyer beware should be under their name.

by Anonymous From Summerville, SC on October 27, 2011

VANDERBILT DOES NOT TRY TO WORK WITH YOU AT ALL, I WISH I NEVER GOT MY HOME FINANCED THROUGH THEM

by Anonymous From Shippensburg, PA on October 15, 2011

Last year I fell behind on my payments due to work hours cut. But by summer, I had it all caught up and payed up to date. They started forecloser on me. I called asking why? It was a mistake, the rep would say. This went on for the whole summer and the foreclosure continued. In October of last year, the sheriff served me with papers saying I had seven days to move out. I contacted Vanderbilt lawyer myself, not feeling that I needed a lawyer since everything was "Okay and a mistake." Well, Vanderbilt forgot to contact their own lawyer. The foreclose, an illegal act, was stopped immediately. Thinking back on it, I wish I let them foreclose on it then sue them for their illegal act. They don't want to help - just insult and harass.

by stacy cranfield From Salisbury, NC on October 03, 2011

vANDERBILT IS HORRIBLE!!!!!!! THEY Don't WANT TO HELP YOU AT ALL EVEN WHEN THEY ADVERTISE SEVERAL DIFFERENT PROGRAMS THEY HAVE TO HELP PEOPLE WHO ENCOUNTER FINANCIAL PROBLEMS THEY WILL NOT APPROVE YOU FOR ANY OF THEM!!!THEY NEED TO HELP PEOPLE KEEP THEIR HOMES WHEN THEY TRULY ARE IN TROUBLE!! THEY WILL MAKE MORE MONEY IN THE LONG RUN IF PEOPLE KEEP THEIR HOMES AND CAN KEEP MAKING THEIR PAYMENTS!

by Anonymous From Gautier, MS on September 28, 2011

by sophia welch From Walnut Cove, NC on September 27, 2011

they are full of baloney and they try to keep you from paying your payment and when you dont pay they take your home from you without any help at all!!!!!!!! I wish I would have known this 10 years ago!!!!!!!!!!

by Iris Ray From Tifton, GA on September 12, 2011

vanderbilt is a rip off don't destory your life....

by Anonymous From Rosharon, TX on August 27, 2011

by fred From Maryville, TN on August 18, 2011

I used to work for Vanderbilt. Don't be fooled, they are part of the same company as Clayton. Many of the loan modifications they do are not really modifications at all but putting balloon notes on people at the end of the loan which requires that customer to pay it in full. They do not like for their employees to be truthful with customers. The retail locations influence loan decisions and outcomes as the retail stores control everything. Remember Clayton and Vanderbilt are all part of the same company.

by Anonymous From Ashland, OH on August 10, 2011

Have tried working with them. 1 day late with what I had to give them and the amount doubled. and they wouldn't take the payment. and I was only two months behind. they are a company that's in it for the money only. they don't want to work with people they only want to argue and belittle you

by jmccbobb From Rocky Mount, NC on August 08, 2011

Save yourselves !!!!! Run for your lives !!!! Instead of bailing out major corporations Obama should have bailed out the many millions who have been hoodwinked by Vanderbilt,Clayton and Oakwood !!!!

by Anonymous From Alton, VA on August 05, 2011

They are not willing to work with us and getting the mortgage current and scream at us on the phone when they call.

by Lisa Cato From Monticello, FL on July 16, 2011

Before I became deliquent, I called to have my payments deferred. They refused saying I couldn't be helped because I wasn't deliquent. Now they will not accept any payment on the loan whatsoever and will not try to assist me in resolving this issue with the full payment.

by Anonymous From Sweetwater, TN on July 12, 2011

For todd, I do not know how many times will have to tell people this. Vanderbilt is ONLY your finance co. If you have a complaint about quality of a car you don't complain about bank you complain against car co. Same thing, your complaint is again clayton. Go ahead and do a deed in lieu, that way everybody will know you don't pay your bills and you will not be able to get a mortgage for at least 2 years and that wills stay on your credit for 7 years destroying it!!

by Todd From Madisonville, TX on July 08, 2011

I think it's pathetic how you pay $738 a month for some bullcrap house...first week we moved in the front door would stick shut, the back door wouldn't stay closed, the door handles are falling apart, the skirting's PLASTIC" clips are breaking for no apparent reason, toilets keep backing up, ice maker leaks water constantly, the kitchen sink keeps blowing the faucet piece off, the porches are falling apart, and somehow,when we signed we were told we would be paid the $500 we put down as a promise we wanted to buy, and instead they come around later and say we owe $500 more...wtf?? We did a land in Lieu contract so no down payment was included...Vanderbilt is a bullcrap company, poor customer service, poor quality, very poor in keeping their word...honestly for the price I am paying you would think the quality would be better....it wouldn't be so bothersome if they weren't so rude. We have decided we are either going to refinance or do a deed in lieu since their company is absolutely the worst...definitely recommend everyone to AVOID them at all cost, as well as Clayton Homes...both are bull crap companies

by Anonymous From Guthrie, OK on June 17, 2011

Good luck and prayers to you all. My son and his attorney are in mediation with them this morning. Has been a mess.

by Anonymous From Sweetwater, TN on May 29, 2011

For by Rick From Jennings, LA , almost all mortgage companies now require escrow due to new RESPA law (real law). Escrow does not cost you a penny extra and the mortgage companies get NO MONEY for it. All they do is take your insurance and taxes total divided by 12 months to get your escrow amount and add to your payment. This prevents you from having to come up with all the money at one time for taxes or insurance. YOU PAY NO INTEREST on this. I do not know why anyone would not want their taxes and insurance escrowed. That is the only way I would ever do it. They do have the legal right to require it on a loan. The mortgage company I work for also requires this due to the new laws. But as I said this costs you NO EXTRA MONEY or INTEREST!!

by Rick From Jennings, LA on May 22, 2011

I feel what all of you are saying. My BIGGEST(so far) complaint is they wanted to add the insurance in with the agreement. Well, they got there way. Let me explain. Me, my wife, & 4 kids lost ever thing in Hurricane Rita, we lived with my mother in a 2 bed 2 bat mobile home for 6 weeks. Talk about cramped for space!! Anyway, we were in need of a 4 bed trailer and found one about 70 miles from where we lived. Trust me this was the only one we found due to Rita. So knowing that if we don't buy this one there was no telling how long we would find another one. As I said at the beginning they wanted to add the insurance in the agreement. I REFUSED to do so. Here's the catch. The day of signing the sales rep. was out of the office & his replacement didn't know about this. So when I was signing I took this certain paper out and told her that I was NOT going to sign this & that I would carry my own Ins. I guess at the time she didn't thank nothing of it. 3 weeks later when the truck arrived with my trailer the boss of the crew walked up to me with a folder and said the office lost my paper work. I needed to sign them all over again. I told him Hell no that I would go to the office (70 miles away) & take it up with the Manager. Then he said if I don't sign them he couldn't drop the trailer. So I called the office & the manager. was not in and the couldn't find him. No one else could help me. Leaving me no choice but to sign. And guess what? That same Insurance paper was one of them. I told the delivery crew boss I will sign all of them but that one. Again, he said he was told he couldn't off load unless all papers were signed. So I called the office and the sales lady that sat with me at signing said, just sign the form & when my insurance comes due next year I could get my own. Again, guess what, when that day came the manager. & the sales lady both didn't work there anymore & Vanderbilt Rep. said this is not how they operate. To sum it up I can get my own Ins. but I still have to pay into the escrow . Now how much interest you thank they make a year on this escrow account from everyone. They told me NONE. Yea, Right.

by isai castillo From La Porte, TX on May 11, 2011

by Anonymous From Sapulpa, OK on April 22, 2011

Curious, if you have gotten a calculator and done figuring of your contract. We did at the signing and there was a mysterious extra $500 they were charging and the salesmen could not find where it came from. So we made him give us a washer and dryer. Then I was looking at the paperwork again and we paid almost 3000.oo in buy down points for interest which was suppose to be 9.75% we signed paperwork for it and even the contract had it on it but in the boxes with the figures in them it has 10.81%. I didn't notice this when we signed the contract. I am going to get with attorney, news stations, whoever it takes to look into this and get it corrected. This is going to cost us almost 16000.00 in interest. We need a class action lawsuit against them. I guess the one on the axles was not enough.

by Anonymous From Robinsonville, MS on April 07, 2011

by sandra boyd From Vernon, TX on April 04, 2011

they have done a lot of things that we found out later they weren't supposed to do but we had signed a contract and tried to do the right thing. insurance was wrong, home wasn't set up right. I've tried to talk to them but they just say they want the money. We just go around in circles.

by Anonymous From Sweetwater, TN on March 06, 2011

Maybe this well help people understand modifications. Vanderbilt (as any mortgage co) is not required by any law to do any modification of your mortgage. It does not matter who you hire, they do not have to talk to them as they are not on the contract. All you are doing is wasting your money as vanderbilt does not do modifications. You signed a contract to pay a certain payment for a term. If you do not pay then yes they will foreclose as any mortgage co would. How is it fair that one person works hard, pays every month on time and does not get any help or reduction of interest, but someone who does not pay as agreed, defaults on mortgage should get a reduced payment and lower rate. All our government is doing is telling people not to be responsible so that you get rewarded with lower rates and payment. I say if you are going to do any help with payment of rate give it to the people who actually pay EVERY month on time as agreed and are responsible adults. Our whole economy would be better as people would have motivation to pay on time, save themselves late charges so then they would have more money, and their credit would be better.

by heather glover From Muskegon, MI on February 01, 2011

Not very friendly at all. They put a stop on western union from me. Because I don't make a full monthly payment. They have sent me foreclosures 3 times last year. I have borrowed money from family but I can't do that anymore. They are getting angry with me about it. My normal payments were $375 but they raised it $75 more a month.

by Ginny From Asheville, NC on January 30, 2011

I hired a lawyer (a modification specialist ) to deal with Vanderbilt because I had already tried to talk reasonably to them. I am NOT in foreclosure and I am current on my mortgage--for now. I see a problem coming down the road and I'm trying to prevent it before it happens. Vanderbilt won't talk modification because I'm not late and they won't talk about it if I am-they just want to foreclose. Since i hired a lawyer they have "lost" my paperwork twice and refuse now to answer any calls from my lawyer. My attorney filed 2 complaints with the NC banking Commission and still no response. When my husband and I bought this house, we were told that Vanderbilt was they way to go-we even spent and additional $1500. to get a "more secure" tie down for our double wide just to get the interest rate down 1%. These people are not interested in saving a home-they want to foreclose and that is the extent of their "help" for responsible people who are trying to avert a crisis. If a lawyer and the banking commission can't move them, who can? Does Vanderbilt want to become landlords themselves?

by Anonymous in VA From Stafford, VA on January 21, 2011

I am not the least bit surprised in Vanderbilt employees lack of compassion. It is becoming more and more prevalent in society today, one word, greed. There are not many devout Christians that are employed by Vanderbilt and their directives are very clear when they are hired. I understand business and if you are behind or you owe money then it becomes a different playing field to some extent but customer relations should always be of the utmost importance and foremost for an company's employee's. I regret to say that there are few within the Vanderbilt organization that exhibit this quality. Adam Thornhill had a great customer relations attitude. I am not having issues with foreclosure nor is a payment behind, so one would think everything is fine. I purchased my home in 1999 through Greenpoint Credit and everything was great until Vanderbilt purchased the mortgage from Greenpoint. This is a home I purchased for myself then met and wed, after several years, actually right before her intentions of leaving, she wanted to refinance so that her name was on the mortgage. I have had a very difficult time with removing her now that we are divorced. This was my home alone, my down payment, several years ago and I am having a difficult time getting it back to the way it was before I was married to her. Vanderbilt at first wanted a down payment for the loan assumption, I disagreed. Then they wanted me to pay an entire years insurance premium up front. I understand they have these policies in place but this was before and still is my home but now that they purchased the mortgage they will manipulate me in anyway they can to get extra money. I am very frustrated and was going to accept their way of doing things just an hour ago to enable me to get this loan assumption over with and when I called to have the package mailed to me I was told by Tina Steele that as of Jan 1st Vanderbilt will no longer mail loan assumption packages to clients but only to attorneys and therefore the Notary public at my bank would not be sufficient in order to complete this transaction. I was not told this an hour before but only when I called back to succumb to their previous policies , which now had changed again. I don't know of any other company that makes it so difficult for a simple loan assumption where the owner has owned the home for twelve years and is simply removing a secondary name from the mortgage. I am sure if someone above or a third party perhaps, could evaluate this particular case then maybe it would be different, but instead I have dealt with an average non compassionate employee of Vanderbilt Mortgage Company. This is my home, or so I thought. I will have to notify my bank, Marine Federal Credit Union, that the Vanderbilt mortgage Company does not recognize them as a legitimate Notary!!!

by kris From Redlands, CA on January 09, 2011

I will fight them. We need to inundate Warren Buffet with correspondence so he will take responsibility for his illegally run company!

by Timothy From Phoenix, AZ on December 23, 2010

Vanderbilt Mortgage are nothing more than common criminals, just worse in that those at the top of the organization know exactly what they doing and how they are stealing homes every day. Vanderbilt is one of the worst predatory lenders in history. Their reps tell people that they are not subject to US Banking laws. This is a lie. It has been recommended by many foreclosure rescue groups to file suit on these idiots and utilize the leverage provided by a Securitization Audit. These audits show that if Vanderbilt purchased the loan and did not originate it, that they technically do not have the right to foreclose. They will call it a repo, but the truth is that it is a loan that carried a promissory note which subject to the same counterfeit laws that apply to anyone on the street printing their own money. If you live in a one party state (State that requires only one party approve recording of phone calls) and you know you are recording the call, the lender does not have to know you are doing so. This may be used as evidence in the future and to help your case. Securitization audits show chain of title, pooling and servicing agreements and check to see if lenders followed the rules as they apply to servicing the loan. Most times they DO NOT. Vanderbilt are major criminals. They deserve to be treated as such. T

by Anonymous From Sweetwater, TN on December 20, 2010

For ??????? From Saint Louis, MO. Maybe you should go back to school and learn to write. For one my name is BRIAN!!! Two as i said before I do not work or even live where vanderbilt is. I have been unemployed before (6 months before the job i am at now). Guess what, I still paid my bills on time and kept my mortgage current. Why, because that is what responsible adults do. If you were renting an apartment they would kick you out if you got past due, don't pay electric they shut it off. Why would this be any different? For edward bielak, vanderbilt does not refinance mortgages. If you want a better rate need to check with another finance co or bank. There are not a lot of co who do mobile homes and mobile homes rates are always higher than site built homes. May want to check with your bank. I know the finance co where I work who does personal loans also does mortgage so check around. Due to site regulation I can not say what co i work for but is one of the largest consumer finance co that does personal loans.

by Anonymous From Jemison, AL on December 15, 2010

by Anonymous From Corpus Christi, TX on December 09, 2010

by Jeremy Austin From Taylorsville, NC on December 09, 2010

Some of the agents are very rude on the phone.How they talk to you is very awful. They talk to you like your not trying enough. Very rude

by tami w. From Rembert, SC on December 01, 2010

I went to vanderbilt homes trying to get my first home and they denied me not for me to pay their renter edict but for the fact that i don't make enough and how am i going...

by edward bielak From Zephyrhills, FL on November 11, 2010

when I took the mortgage, we were told that the interest rate (at 9.25%) could be lowered by as much as 1/2 of that amount if we paid on time and applied for a readjustment after a year. When I contacted Vanderbilt to do so, I was informed that they did not have any such program. When I asked them if I could just apply for a mortgage at a lower rate, their reply was that they were not going to get into a mortgage bidding situation with another company (themselves?).

by ??????? From Saint Louis, MO on November 04, 2010

HERE WE GO ITS BRAIN FROM SWEETWATER TN YOU KNOW YOU LIE SO MUCH TO PEOPLE ARE YOU DRINKING THAT COOL AID BRAIN IS YOUR COMPANY GOING UNDER I WONDER WHY VANDER BILT IS ONE OF THE WROST companies IN THE UNITED STATES EVERYONE THAT TELLS THERE STORY ON HERE ARE TOTALLY TRUE ABOUT VANDER BILT YOU KNOW BRAIN IF YOUR COMPANY WAS SO GOOD AS YOU PUT ON THEN WHY ARE THERE SO MANY UNHAPPY CUSTOMER YOU PEOPLE AT VANDER BILT DID THE SAME THING TO ME HARRSS ME ALL THE TIME RUDE REPS what's WRONG DO,NT YOU KNOW HOW TO BE A REP YOUR COMPANY IS FALLING THATS WHY YOUR TAKING EVERYONES HOMES AND NOT TRYING TO WORK WITH PEOPLE THE HOMES YOU SELL ARE JUNK IT SEEMS LIKE YOU Don't KNOW HOW TO BUILD A HOME YOUR COMPANY WILL FALL JUST LIKE OAKWOOD DID IN 2002 BECAUSE OF POOR CUSTOMER SERVICE PLUS NOT WORKING WITH THE CUSTOMERS ITS THE TRUTH AND VANDER BILT YOU HATE IT WHEN THE TRUTH COMES OUT ON YOU I BELIVE YOU ALL WILL BE COME UNEMPLOYED JUST LIKE A LOT OF US ARE AND THEN WE WILL SEE IF YOU CAN KEEP YOUR HOMES THE SHOE WILL BE ON THE OTHER FOOT SO LIKE THEY SAY WHAT COMES AROUND GOES AROUND AND BELIVE ME IT WILL YOUR COMPANY WILL FALL FLAT ON ITS FACE JUST LIKE OAK WOOD DID YOU KNOW WHAT THAT WILL BE THE BEST THING EVER HAPPEN IN THIS COUNTRY TO SEE YOU FALL FLAT AND LEARN A LESSON ON HOW YOU DO BUSSINESS THE CROOKED WAY AND BRAIN JUST THINK GETTING ANOTHER JOB NOT THAT EASY NOT ONLY THAT TRY TALKING THE WAY YOU DO AT ANOTHER JOB SEE HOW LONG YOU KEEP YOUR JOB THERE CUSTOMERS ARE NUMBER 1 IF IT WAS,NT FOR THE CUSTOMERS NONE OF YOU AT VANDER BILT WOULD EVEN HAVE A JOB IT TAKES THE CUSTOMER TO MAKE THE BUSSINESS WITH OUT THE CUSTOMER THERE WOULD NOT BE A VANDER BILT

by Helen From Myrtle Beach, SC on November 02, 2010

Vanderbilt mortgage employees should be ashamed of the company they work for. I am a nurse & have worked for same system for almost 30 years and am proud to be an employee. Why? Because all of our "customers" are treated fairly & with dignity. If I ever talked to a patient the way Vanderbilt employees talk to me I would be terminated on the spot & rightfully so. Respect for our fellow human beings is the key. Like a lot of honest, hard working citizens of this wonderful country I am having some financial difficulties. Although mine are mild compared to many I still could use a little help. When we closed on our home we opted out of the biweekly payments because we weren't dealing in hard times then. Now, when I we could strongly benefit from biweekly payments I am told too bad; you had a chance at closing & now it's too late. Did none of them ever have a change in game plan? It would be a win win agreement. Vanderbilt would get the full payment every month & I could manage my monthly expenses better. At Wells Fargo you can change your method of paying whenever you want. There's the difference between a professional company & a loan shark type mentality ie Vanderbilt. The majority of the reps you speak with are rude. The interest rate is exorbitant & they refuse to refinance. There again, lenders I have dealt with like Bank of America & Wells Fargo to name only 2 are more than willing to assist in refinancing. The day I can get out from under Vanderbilt will be a day worth celebrating. If there is a class action suit out there against them that I could legally get in on I would do it in a heartbeat. Even very successful people on Wall Street & large companies are finding themselves struggling so Vanderbilt & it's employees should not be so arrogant. For a company so prevalent in the bible belt they are not very Christian like. Anyone out there listening & not at this point mortgaged by Vanderbilt heed my warning; rent or live in a tent before you ever sign anything with Vanderbilt; and for that matter Clayton Homes also.

by rhonda southern From Kershaw, SC on October 27, 2010

by Anonymous From Sweetwater, TN on October 19, 2010

Also for anybody who wants to complains of harassment. IF your account is past due they have the legal right to call and collect from your from 8am to 9pm in your time zone as long as they only leave one message per phone number. They can also call any friends, relatives, neighbors to get a message to call if you fail to call them back as a responsible adult. I work for a national finance co and we do personal and mortgage loan. You bet if you are past due and not returning my calls I will call your relatives just as the finance co i worked for before did and every other one i have seen. GROW up people and take responsibility for your actions and pay your loan. You think these repo wants to spend all day calling your neighbors and relatives, no they would rather talk to you and get it taken care of. There is a simple solution if you do not want called!! Pay your bill on time or give the home back!!!!

by Anonymous From Sweetwater, TN on October 19, 2010

For by Anonymous From Bryant, AR, just shows the type of person you are and your character. You do not have a loan but want to come on here and complain. Even have the guts to say I hope you loose your job and everything you have. LOW CLASS BUM

by Anonymous From New Boston, TX on October 14, 2010

by Anonymous From Boise, ID on October 05, 2010

Due to bankruptcy I had to make my payment on the 15th and not the first of the month. I am only $168.00 behind in my payments. I tried to make arrangements to pay that balance in two payments however this was not acceptable. I have received three calls in the last week from my account rep who is extremely "rude". I spoke to her supervisor and thought I had it taken care of but my account rep felt it's not and she will continue to call me until paid.

by Charmaine Arrington From Covington, LA on September 29, 2010

Clayton Homes and Vanderbilt Mortgage are very unprofessional and Ms. Renae of Clayton Homes actually forced me into buying this mobile home. Ms. Renae has never fixed shower door, dishwasher-not working, my toilet (back of bowl cover) did not fit, light fixtures has no screws for globes, holes in walls, faucets are lose-never tightened, etc. They have never walked through. Vanderbilt wants $203 today or foreclose. Three employees were very rude and were harassing me and hung up on me when I called for assistance.

by Anonymous From Ocklawaha, FL on September 28, 2010

by Tiffany Wyman From Smoaks, SC on September 25, 2010

by Anonymous From Branchland, WV on August 29, 2010

they send me letters telling me they have programs to help me then when they get me on the phone they threaten me and tell me only thing they can do is accept the full payments behind or i have to vacate my home and me telling them i have no where to go then they tell me its not there problem

by Anonymous From Bryant, AR on August 26, 2010

Wow. I don't have a mortgage through this company and I am so glad that I don't. I lost my job just as a lot of people have and times were tough for a while there. My mortgage is through Bank of America and they did work with us thank goodness. This anonymous guy from sweetwater is a total jackass. People are not stupid!! They realize that they owe their mortgage and I can't imagine any one of them not wanting to pay it. When people lose their jobs, they sometimes don't have a choice. You say the exact same things over and over. Everyone gets what you are saying...you don't have to repeat yourself. You are a rude, uncaring jackass and no one really cares what your opinion is anyway. People are hurting. Losing their homes, everything they have worked for all their lives, but most importantly, they are losing their dignity because of companies like this and people who are pompous asses like you. I hope you lose your job and everything else you have worked for in your life. Maybe then you will have some compassion for what these people are going through. God bless everyone who is in jeopardy of losing their homes. You are all in my prayers.

by Anonymous From Jackson, MS on August 25, 2010

I agree with all the comments. The company Vanderbilt is a "nightmare". No compassion, no feeling it's all about them. The collectors would call you and harass you as though you are not a human being and no feeling. I was sick in the bed one morning when I was being harassed for being behind in a payment. They will call you even before the payments is due. My interest rate is already to high. I have had another mortgage home in the past and they were a jewel compared to Vanderbilt. I wished we could place a class action suit against them. They don't care who they leave a message with and they will stalk you at your home. They are the first I have ever heard to do it. They also will worry your references if they cannot get in touch with you. I CANNOT STAND VANDERBILT. I pray to God another company will buy my loan out and they need to get what's coming to them.

by Anonymous From Columbia, TN on August 24, 2010

by Anonymous From Bronx, NY on August 14, 2010

by Vic From Newport News, VA on August 12, 2010

would like to hear from anyone suing Vanderbilt -my problem concerns property not accurately recorded by their Title Co - need to know who the Title Company is and who that attorney is - have not received any answers from Vanderbilt for a year now. vflyingsheep@aol.com

by Anonymous From Gallup, NM on August 07, 2010

by Anonymous From Groveton, TX on July 30, 2010

they don't wont to try and work with helping me getting this settled . vanderbilt the most unreasonable people to work with.

by Anonymous From Somerville, AL on July 03, 2010

i attempted to purchase a property from vanderbilt and the contact person was probably the most stupid excuse for a business person i've encountered. in short i offered to buy the home at a cash price and he wouldn't accept the offer, so i countered and still no. since the home was located where i wanted to live, i agreed to his price and was prepared to purchase subject to inspection. when i went to inspect the house, the water was off and locked at the meter. i was told to make a deposit and get the water turned on in my name. what?!!! i am not the property owner and only want the utilities on to inspect the property. vanderbilt refused to have the water turned on. the refrigerator didn't work, previous owner had removed storage shed, etc.,etc., and vanderbilt wouldn't assist in correcting any problems. i withdrew my offer and told them since they wouldn't negotiate on any level and were so obstinate and uncooperative i am out. a short time later the rep from vanderbilt called and said he would turn the water on and offer a $500. allowance on the refrigerator. no thanks,keep your home and learn how to conduct business professionally. Now and (i am guilty of not doing my due diligence first), after reading page after page of complaints against vanderbilt for almost everything, i am grateful for not purchasing the home and not dealing with vanderbilt. my experience was minimal compared to most of these folks and vanderbilt should be banned from doing business. they are definitely not good people and need to be stopped. PLEASE BEFORE EVEN THINKING OF DOING ANY BUSINESS WITH THESE PEOPLE READ THE COMPLAINTS AND THE RESPONSE FROM vanderbilt,IF ANY. WHEN COMPLETING YOUR DUE DILIGENCE,YOUR DECISION NOT TO BE ANOTHER dissatisfied VICTIM SHOULD BE EVIDENT. THESE PEOPLE ARE BAD AND ANYTHING I CAN DO TO SAVE PEOPLE FROM DEALING WITH THEM I WILL. READ THE RESULTS !!!! NOT ONE GOOD WORD- any company(vanderbilt)that works that hard to discourage business deserves NO BUSINESS

by rick LAKES From Andersonville, TN on June 22, 2010

by DEBORAH johnson From Mantee, MS on June 07, 2010

by Rita McDonald From Covington, LA on May 31, 2010

Instead of FORECLOSING, Vanderbilt needs to work and assist customers during this recession, esp. here in LA., where you can open the back door and smell the OIL from the GULF. Thanks Rita

by Anonymous From Kershaw, SC on May 19, 2010

What do you think about a company that you make payments through Wal Mart western union for almost a year and the company says they have not gotten any payments from you. Your sick and out of work, you call them every other day or so and someone tells you they are checking your account to see if you have insurance that will pay when you are out sick. All lies! They put never sent us letters they say they did and they put a eviction notice on the front door (which was never really used) and the notice blew off and was shredded. We found it the day before they said they sold the home and we had to be out. Come to find out they sold it to a lawyers office and now we find out it is on a real estate listing as being sold for about what we owed after paying for 10 years perfectly. We are suing them now. I always thought people were basically good. Boy have my eyes been opened. I hope they are forgiven one day, because if they aren't they are surely going in the opposite direction than heaven.

by tommie luker From Rison, AR on May 14, 2010

by Anonymous From Sweetwater, TN on May 08, 2010

For kris in CA, SO we should just reduce everybody interest rate to 6% no matter their credit, payment history, home value, income. How is that fair to people who work hard, pay their bills on time? The simple thing is people signed a contract. If you were renting an apartment, do you think they would modify your rent payment because the economy is bad. The reason mortgage co (all mortgage co) are not so worried about foreclosures is, even if the foreclose on it an do not get all their money, YOU are still responsible for the balance and can be sued for garnishment of wages and judgements. Just because they foreclosed on it does not mean that it is done. Also please find me ANYWHERE in the fdcpa laws that states calling your neighbors, family, friends, to leave a message to call someone is illegal. As long as the neighbor does not say do not call me again this is legal in all 50 states. The are not to say who they are calling from (name of co) unless they are asked that directly. If the person does ask then they do have to say the name of the co per FDCPA laws. Also most people have caller ID and know why they are calling, because you are late on your payment and not answering their phone calls.

by Willaim Svolos From Thomasville, AL on May 07, 2010

by Bourbon, Mo From Bourbon, MO on May 03, 2010

i think this company is horrible by the posts I've read. I am glad they are not my finance company or we would have lost our home already. Not all finance companies are like this, because off the economy in our area my wife and i lost our jobs and fell as far as 4 months behind on our home and like many of you 995 hope couldn't or wouldn't help fortunately my wife and I are back at work and are only a month behind and will be caught up next month. I really feel for all of you in the same situation and feel its a shame that this company will not help you, especially when every tax payer in this country helped these finance companies out when they needed it!!!

by Monte R Hudson From Texarkana, TX on April 26, 2010

Job change and other financial situations made keeping up house payments impossible at best. I have become aware that a mortgage entered into fraudulently is null and void from the beginning. A forensic audit of my loan from vanderbilt has revealed numerous Federal violations. I am waiting on a response from from vanderbilt on the Qualified Written Request. I also have prepared my case for Federal Court, Now Seeking a federal attorney to take the case. The paperwork is all ready done. if there are any victims with suggestions I can be reached at mrhudson@cableone.net...

by Mary Alice Cantu From Kyle, TX on April 24, 2010

This is the worst mortgage company that I have had to deal with. They don't care weather your lost your job. They in no way will work with you to help you from your home being foreclosed. I strongly believe that they would rather foreclose on a customer then to work out some kind of payment arrangement. I've spoken to a couple of their representatives and they talk down to you like your nothing, it's bad enough that being unemployed is stressful enough and then to turn around and have someone talk to you like your nothing. This company should not be in business at least not in the United States.

by Kris From Redlands, CA on April 21, 2010

Ok, wow, I do not have a Clayton home, and I am glad I don't. I have a Hallmark manufactured home and it is very nice and well built. I had my loan with Popular and they sold all of their MH loans to Vanderbilt. What a nightmare! They would not refinance us, they Don't DO NORMAL RATES, they do predatory shark rates. Yes there are MANY lawsuits involving Vanderbilt, just giigle it. Now that my home on two beautiful acres in a very nice area of a very nice city is upside down I ant refinance. I am in real estate and believe me , we owe a relative allot of money that we borrowed for our house payments. We put $80k down and we cant walk away. When I called my rep and asked her if there was any news on the loan mod from a company I hired she went ballistic! Actually screamed at me. I stayed calm, she yelled all kinds of personal questions. I told her in a calm voice that she needed to calm down, not ruin our pleasant relationship (she had always been nice)until we recently were late. I asked her does Vanderbilt know how to manage their assets? It is soooo much better to loan mod, reduce principal and/or reduce the interest rate to an ethical amount, they would save THOUSANDS of homes, millions of dollars. No one is buying anything but stick built because they are so cheap now. So all those repossess they have make the negative part of the portfolio so unbalanced it's really very poor asset management. The banks are currently as of april 1st 2010 putting on the brakes on foreclosing, short sales. they are starting to work with loan mods, the foreclosures are crippling the economy. they are also raising the wholesale pricing to investors 5% per month which raises the retail side of buying foreclosures by 12% trying to force real estate prices up on foreclosed homes. That along with a hike in interest rates is hard to swallow. I am trying to help people buy and sell homes, the banks are SO HARD to deal with. If they just lowered all the rates down to an even 6%, that would be a relief to a large percentage of homeowners at Vanderbilt. If after that it is still hard for a buyer then do a principal reduction for those whose payment exceeds 30% of income. Yes, they have a loss but not even close to what they are losing now. I hope that they end up selling out, merging or BK and we can all find relief before we lose our homes. It would really hurt to see my home vandalized and trashed because it is not what people are looking for to buy. As far as calling your neighbors? OMGOSH, that is illegal. Don't tell it's not. We must continue to find help, one of the lawsuits out there is hopefully a class action that will cover everyone. Anonymous Don't bother to reply.

by Don From Corpus Christi, TX on April 14, 2010

they are horrible. Check out this article. http://www.caller.com/news/2010/mar/20/builder-faces-more-lawsuits/?print=1

by The Worst From Gatesville, NC on April 09, 2010

Let me start by saying they are the worst people i've ever dealt with. They do not care about their customers, they have no heart. Let me start by saying we closed on our home April 2008 it was Nov 08 before we were able to move in. They did everything wrong could not pass inspections and then after we moved in there was still so many problems. I had to file a complaint with the state before they would come out and do something. I wish i could get under another finance company. They pretend to care when they find out you are approved and want your money but once you become a customer you find out very quick that they do NOT care about their customers. They should not be allowed to sell people homes. They are by far the worst group of people i've ever dealt with. They don't care when you fall into trouble, they don't try to help you out at all. Anyone looking into buying a home STAY FAR AWAY from vanderbilt you will regret it in the end.

by The From Gatesville, NC on April 09, 2010

by Steven From Lerona, WV on March 25, 2010

I had water damage at my home. The insurance worked really fast to get me a settlement. They said Vanderbilt was the lien holder and was on the check. I called Vanderbilt and they said to sign the check...mail it and they would disburse the money as they seen it was needed. We needed new carpet and tile. They are sending small payment and we are having to pay out of our pocket to get the work done. This is why I have insurance, because I don't have out of pocket money. My contractor could have come out all in one day and had it all done. Very upset with Vanderbilt. Really hope the company goes out of business.

by Wayne Womack From Shawsville, VA on March 12, 2010

by Anonymous From Sweetwater, TN on March 10, 2010

For dunn NC, just wondering how they are calling you early sunday morning when there offices are closed on sunday and no one works. They do call early on sat mornings, but per fscpa laws they can try to contact you between 8am and 9pm in your time zone. This is why they start calling 8 am on saturdays.

by Anonymous From Dunn, NC on March 10, 2010

Vanderbilt does not care that you have major illnesses or a heart attacks, they only want their money. They do not honor the warranty on homes either. They also call 6-10 times a day plus also start early in am on Sunday. They use several different phone #'s when they call. Will not listen when you ask to refinance home.

by Anonymous From Enfield, NC on March 10, 2010

to North Carolina Residence Vanderbilt just settled a 2.8 million dollar lawsuit some of us should be getting a refund other states need to check into it

by Rodney Dyer From Troy, NC on March 08, 2010

by Georgia King From Gaston, SC on March 02, 2010

They generate their statements every month on a different day but always prior to the date that you are deemed to be late. They then apply a late fee when in fact I am not late. I have fought them for nine years to get my home set up right (missing a whole column of cement foundation) resulting in wall cracks plus many other things they refused to fix! They have their own insurance company and when I was hit by a storm one of the guys who set up my house came with a disposable camera! My neighbors who did not sustain as much damage as I did received over $5,000.00 from their legitimate insurer. I got $500.00??? I too have been threatened (I am 62 years old). They asked me health questions, personal finance questions, and told me I was too sick and broke to keep my home. I still have it and I am still fighting. I just discovered they have never reported to any credit company so again another fight and they just started to report! Illegal as hell!

by Anonymous From Sweetwater, TN on February 28, 2010

Ok for knoxville, i have a mortgage and a kid, in August 08 lost my job and was out of work for 6 months. BUT i paid my bills on time and paid my mortgage. When you go to get your next loan do you think they will care why you were late of your home was repo. Everybody keeps blaming the economy. I now work for a national finance co and do personal and mortgage loans, and as most co do i put your information in the computer, it pulls your credit and automatically scores you as pass (excellent, good, weak) of fail. It does not care why you did not pay your bills on time. This is why 85% of the applications i take today fail, they were like well it is the economy. It does not matter, pay your bills, especially your mortgage this is your home. I am not taking up for vanderbilt just stating the facts, you signed a contract now pay. You don't pay your electricity they shut it off, don't pay your car they repo it, don't pay cell they shut it off, why would your mortgage be any different????

by Anonymous From Harker Heights, TX on February 20, 2010

I was late with my monthly payment prior to my loan being sold, I would call them and let them know before it was late that it would be paid by the end of the month. I never had any problems, prior to Vanderbilt buying my loan. I was told they would not wait, refused to take a partial payment and gave me three days to make a double payment or they were repossessing my home, And that is exactly what they did

by Anonymous From Sweetwater, TN on February 20, 2010

for Anonymous From Palmetto, LA, yes you can go to your bank and refinance you loan with anybody you want, if you can get them to do a loan on a mobile home (very few places do due the risk). If your rate went up that must mean you are on a ARM (adjustable rate mortgage) This would also cause you to have more interest due on the loan. The payoff you said 2 years ago was that the principle balance or actual payoff? There is a difference. As for paying 3 times the amount you borrowed depending on the rate and term yes that is possible. Go to a mortgage amoritization table and put in all your info. Mortgage are very expensive especially on mobile homes. Just for example a 35k loan on 20 years at 12% rate, $385.38 Monthly Principal & Interest $92,491.24 Total of 240 Payments $57,491.24 Total Interest Paid Jan, 2030 Pay-off Date You can see over 57k in interest on 35 loan. This is not including late fees or ins

by Anonymous From Knoxville, TN on February 20, 2010

Look back on this blog site and read may 2008 from knoxville. This person is totally correct. It works the same way all over the company for the lower level employees. One day your great the next day you are crap. Please read this blog. This is so true. It's not just the customer's who get screwed it's the employees as well. Amen to the part about God having mercy on Kevin Clayton's soul for standing up in the meetings and going on about how great the company is and giving dinky raises and now dinky bonuses. We were told by the CFO of Vanderbilt one year that we should not complain about our pay on our surveys. She was pissed. She said it actually raised our salary a dollar to a dollar and a half so we should not complain. That's not a bonus then. I thought just give us all a good raise so we can eat instead of feeding us this bull. Then as Clayton is tanking the bonuses are nothing. Trust me unless you are screwing some higher up. Which by the way is rampant in the company you do not make any money. You can't belive the scandals and affairs going on in one place. There was a huge swingers club in the company with the Sr. credit managers. They make a freaking fortune. They went to the Lodge on company property and had a party for the w____ of Vanderbilt. She was the ring leader of the swingers club. The lodge is a double wide trailer. yippee. Anyway these employees and their wives all had a great big orgy. Someone in the group told and several other people were interviewed in those dreaded rooms at Clayton.Human Resources said it never happened. They had to sanitize the place as well as the gym. The gym was closed for a day. They acted funny and said it just needed to be cleaned. It was cleaned everyday. This was an all day cleaning. Everyone found out the truth because it is a great big cesspool of gossip and sex. Anyway they were suspended for 3 days. Hello they were all gone and we all knew it was true. They weren't in Hawaii on a work trip. All of them but one were slowly over the years. weeded out. Except the one woman mentioned. She had and obviously still has an affair with one of high management. He bought her a set of boobs years ago. Everybody knows it and yet she threatened them and she still has her high paying job. The whole company knew about it. And yet from what everyone said Warren Buffet called Kevin Clayton and told him to get rid of them. He did not. It was suppose to be done then. Right then. Everyone received a hotline to report bad behavior or unethical practices because Berkshire Hathaway did not and does not want scandal or this kind of garbage. Yet it keeps on happening. Have you ever heard of such nonsense in your life. Signs went up all over the building with Mr. Buffets picture stating to think about your actions and don't do anything that would embarrass your company or your family. Or anything you would not want in the papers. And yet it still goes on. Do you want to do business with a company like this????? Besides the awful service and ill built homes.

by Anonymous From Knoxville, TN on February 19, 2010

Ok sweetwater. What is your problem. Finally you admitted you worked for Vanderbilt. You are on this site putting everybody down. Why are you taking up for Vanderbilt. Why???? Do you have any idea of what these people are dealing with. How cold you are to say "Get over it you have to pay your loan." Do you read the freaking papers and listen to the news. Are you blind. Are you deaf? Do you not know that this is one of the worst economic times in U.S. history. Have you lost your job???? Have you wondered how you are going to keep a roof over your head??? If you have children how you are going feed them??? America is in a RECESSION!!!!! If you are so freaking smart. Deal with it. Read the internet about how much Buffet lost last year in retail and manufacturing because of clayton homes. I gave the website. Get a heart and have some empathy for these people. Or shut up. If you are not a stooge for that awful company then why in the heck are you on here all the time trying. TRYING being the key word to make these people feel worse. I gave you a website to look at Buffet's rating. Now because Clayton's is tanking they are advertising like crazy on television ads. If you LISTEN to what the economist are saying. Which you obviously are not. The news is now that if a company is advertising hard they are having serious problems. Watch CNBC. Listen to Jim Cramer. Also Clayton Bank is doing the same thing. The numbers are bad. Suits are showing up all over the company. Yes when you sign a contract you are obligated to pay. We all know that. We all get it. Shut up!!!! As I said Berkshire is in there like crazy now. Auditing. I worked there. The place is in chaos. Almost every employee with sense is scarred to death. My friends who work there are job scarred as I stated before. Also sweetwater quit putting these people down. You have said horrible things to strangers who do not want to lose there homes. They are hurting. Just as most Americans are today. You work for a mortgage company. Well you should know mortgage companies don't want to take a loss. A Repo IS A LOSS. And yes most mortgage companies are trying to help there customers. It may be slow but they are. However Vanderbilt is not one. And folks when things get better and they will. Get rid of your home if you can and buy a stick built home. Mobile Homes are nothing but a waste of your money. They do not appreciate in value which is why most banks will not touch them. You would be better off to rent. They came straight from 3 HUD advisors that I know. Clayton/Vanderbilt make it all sound good. Best built homes etc. They are not. We all know this by now. As I stated before the company is the worst. Worst job I ever had. Ruthless people. My comcast guy came in today to fix a moden. He fixed it and then walked in my living room and lo and behold a Clayton ad came on. I said UGH. He said do you know about them and I said yes and I wouldn't want a dog to work there. He told me how allot of his friends work there and allot left and how they all hated it. That they had told him it was like slavery. Folks the person who wrote before is right. Everyone of you will be in my prayers. As I said before the bible states "You reap what you sow. More than you sow and later than you sow." Just watch. It WILL HAPPEN. Sweetwater we need to pray for you too!! You need your heart melted. You don't have a dog in this fight. You are not losing your home!! You obviously have not lost your job. Watch the news. Its on all the time. CNN,MSNBC,FOX, and the evening news. 6:30p.m. Monday through Friday. The economy is in a downfall. You want to be a smart butt there you go. Everyone else ignore this person.

by Anonymous From Salyersville, KY on February 16, 2010

by Anonymous From Mocksville, NC on February 15, 2010

Well I have read almost all of these posts and keep in mind that I am on the brink of being very late. My payment is due on the 3rd and I usually pay it by the 25th of each month. They only call me once after it's not received by the 15th. I call them back and just tell them when I can make the payment and everything is ok. My heart goes out to you all who have fallen way behind and can't find a way out. I will certainly keep you all in my prayers. I know this is a scary time. God Bless

by Anonymous From Palmetto, LA on February 15, 2010

you guys are right, they are the worst loan and finance company to deal with. when i purchased my home chase had my mortgage until they sold it to vanderbilt. all my friends were telling me horror stories about vanderbilt but i didn't believe them until i experienced it firsthand. i purchased the house for 35000.00. my monthly payments were made on time. my interest rate went from 5.2% to 11%. the home is paid for according to my receipts. according to vanderbilt i still have 13 years left to pay on a 35000.00 house at 3 hund+$ /month. I've been paying on this house for 7 years now. If i continue to pay for this house for the next 13 years i would have paid for this house 3 times. according to vanderbilt the payoff for my house as of now until march 3 will be 29,000. i offered to try and pay double plus more to pay off the home early but they told me the only thing i can do is may a monthly payment every 30 days and send extra payments in between for the principal. i asked how can i pay the house off early and they gave me the same answer. that's not telling me how to pay it off early. the rep also said it wasn't their responsibility on how i paid it it just had to be paid. I told her i was never going to finish paying for this house early and she said the only thing i could do was make regular scheduled payments. to my knowledge, she was telling me there was no way to pay it off early no matter how many extra payments i sent the 13 years stood. my payoff keeps changing also. 2 years ago it was 27,000 now its 29,000. the rep also suggested get my bank to refinance my loan for something cheaper and an early payoff, but also said they don't do loan modifications on fixed loans. Called them back to get paperwork needed and another rep said my loan stood and the bank could not assume my loan unless i sell house and purchase it back from my bank. i ask the lady was she serious. She said i don;t know what else to tell you except pay your bliss when there due and you won't have these problems. i hung up because i was getting no where.

by wimpy From Florence, MS on February 11, 2010

I had to send a certified letter requesting no phone calls just to get some peace. Yes, they are everything that has been said about them. I signed the contract, I owe the bill and I will have to pay it or move. They give no quarter when it comes to payment dates. We need to keep each other in our prayers that we get this loan paid off ASAP.

by Anonymous From Sweetwater, TN on February 08, 2010

Grow up people, as i said before i do not work for vanderbilt and has been over year since i have!! Pay your bills on time, it does not matter why you are late on your bill, you are legally responsible for the loan so pay it or they will repo it!! You think the next lender will care why you were late on your bills on your credit report, NO, i work for a national finance co now, it does not matter why you paid late, you were late and it is that simple, so either you get a higher rate or no loan at all. Why should any mortgage co modify any loan, you signed a contract, how would you like if they called you and said they are not making enough money that they would like to modify to a higher rate due to the economy?

by Anonymous From Knoxville, TN on February 08, 2010

Vanderbilt mortgage are a bunch of crooks. I know. And yes that had to be a vanderbilt employee that know about the monitoring program. I used to work there and I got calls repeatedly. I mean at least 20 a day from customer's who had horrible experiences. New home owners who could not get the lots they bought the homes from to fix the problems with their new homes. This had to be true or there would not have been so many customers with the same problems. They will do anything to sale a home. In fact the collectors for the most part are extremely rude to customers despite the fact they are monitored. The company itself sucks. They treat their employees like garbage. They are in trouble financially at this time. And if you will look on line further with Berhire Hathaway and Warren Buffet you will see that because of the downturn in the market and the mismanagement of the higher ups, Mr. Buffet lost a good sum of money. I have heard and have not been able to find it on the web that Buffett only has 25 percent of his stock holdings now in clayton Homes and Vanderbilt Mortgage. I am not just a disgruntled employee. I want to warn people. Hardly anyone in that company is honest or forthright. Most of the collectors and management or seedy people. If Warren Buffett would visit and research this company fully I think he would pull his complete funds from the company. I received calls everyday stating the new home the customer purchased was falling apart. Cracks in the ceiling. Holes in the walls. The doors would not shut and there were gaps in them. The list goes on and on. It was so sad for those customers. Also they will not do many modifications on their homes. We were told to send people with these request to Bank of America and Wells Fargo. Warren Buffett owns huge amounts of stock in both of those banks. Vanderbilt is now competing through Clayton Homes with those banks. What does that tell you? It tells me that Vanderbilt may be going under. I am So Happy to be out of that company. It is awful. The employees are watched like big brother is there. Firings are happening all the time. Yet they also are hiring. Hum. President Obama has put into place the incentive for companies with new hires to receive $3000.00 per employees. Everyone in the company except for the people who have drank the Kool-aid are job scared. You want a website go to www.thestreet.com/story/10674275/1/bershire-loses-jobs-last-aaa-rating Bershire lost it's triple AAA rating to double AA rating in part to Clayton Homes/Vanderbilt money loses in 2009. Do your homework. This is to that person who must work at Vanderbilt or know someone that does who wrote that blog. You must have drank that Kool-aid. Watch your back and look for another job. If you are smart you will open your eyes. For all of you that have had horrible experiences with your home. I truly feel for you. It's an awful place and remember that " WHAT GOES AROUND COMES AROUND!!! Take this from someone who knows all too well.

by Toni From Romance, AR on February 07, 2010

House burned down and insurance paid them what they were told was the payoff. They are now harassing me for $950. they say is still owed on account. They call my daughter constantly and harass her. We only have enough money to buy a foreclosed home and fix it so its liveable. They have harassed us non stop since taking over the loan from Oakwood. We would pay them, if they would just give us time to get back on our feet.

by jenny From Rustburg, VA on February 01, 2010

there should be a rating of 0 cause this company sucks big time. i hope this company gets closed cause they don't care about anyone they lie so much they don't know what they said

by BRENDA ROBINSON From Florence, SC on January 29, 2010

I GOT BEHIND ON MY Mortgage PMT BECAUSE I LOST MY JOB BUT EVERY TIME I CALL THEM TO SET SOMETHING UP THEY WOULD TELL ME ONE THING AND THEN WHEN I CALL BACK IT WOULD BE A TOTAL DIFFERENT STORY SO I STOP CALLING THEM BECAUSE I BECAME FRUSTRATED. JUST WHEN I THOUGHT THINGS WHERE STRAIGHT I WOULD SPEAK WITH ANOTHER REP WHO TELL ME SOMETHING DIFFERENT. I WAS TOLD THEY WOULD EXTEND MY payments AND FAX ME THE DOCS BUT WHEN I CALLED THE REP JOAN WATSON NEVER MENTION THE EXTENSION NOR DID SHE FAX ME THE Paper WORK SHE KEPT ASKING ME FOR ANOTHER PMT WHEN IN FACT WE HAD DISCUSS THE EXTENSION AND IT NEVER HAPPEN

by CRAIG TAYLOR From Moncks Corner, SC on January 28, 2010

by ?????? From Saint Louis, MO on January 27, 2010

ok the one from vander bilt you know what thank you finally after all theses years you finally came out with the one who owns vander bilt. let me ask you something would you like to buy a home and was told it was brand new but in fact it was.nt when you sign a contract as it states new on the contract is,nt that wrong. hey hey i never bought the loans from oakwood also i was told before that the contract i signed that vander bilt does,nt follow it. to be honest with you it is not right. they tell you to work it out with your lender but how can you work anything out with a lender that does,nt listen money is the root of all evil i see that in this country pretty bad when people sell a home and put brand new and it is,nt it also all mortgage companys i know of will listen to the customers and will work things out with you i will say this much i will never buy another home from any one cause you can not trust them

by ??????? From Saint Louis, MO on January 27, 2010

to From Sweetwater the one who wrote that let me tell you something you all don't tell the truth either do you. you say that you monitor the calls then you should hear how your reps talk to customers do you think customers are some dogs or something well i believe that is very wrong to treat people the way you do and yes i do know your one of Vanderbilt's employees. i say it is pretty poor the way you treat people. i will get all the links to them law suits maybe you see then i guess i am lying cause you look at rip off dot com you see a lot of people talking how bad Vanderbilt treats customers i guess you think that was a lie to well check it out www.rip off.com typo vanderbilt mortgage in and look at it you say you grade your reps mmmmmmm i wonder how you train your reps before you put them on the phones. it funny how you set there and say Vanderbilt is so good when in fact they lie to you a lot sorry to say i wish they were a better company the only reason your said about the recording them is because you seem to not tell the truth when you scream at people and harrass them to death with calls think about it fair debt collection act i read it, you know what your right they bought the loan not the trailer but how come you did,don't tell people if you fall behind you scream at them. i know your a rep and you do get graded on your calls do they train you to do this to people no matter if times are hard and people can, help sometimes in life things do happen are do, ou understand that they are people to just like you. also there is a thing call consumer protection law. so let me ask you this if some one lied to you and ripped you off what would you do and i know what you say and the reason why you say it cause you work for the company but being honest if the electric rip you off you would go after them what if they treated you like that what i am saying yes you would everybody has trouble in there life's does,nt mean there not trying to get things caught up. so let me ask you something i have never heard of Vanderbilt until after oakwood file chapter 11 that why the world can, get along to many companies trying to get rich fast oh well that's life what comes around goes around maybe one day you will be on the other side and people will treat you like that lets see how you will act

by Kathy Brackett From Walland, TN on January 26, 2010

I think they were very pushy and they constantly were calling me. They would call me at least four or five times a day.

by Anonymous From Rice, VA on January 23, 2010

I have been in a disable situation since I lost my job and I was presented with any help or sympathy from my mortgage company.

by Anonymous From Sweetwater, TN on January 20, 2010

For ????, yes vanderbilt mortgage is owned by berkshire hathaway which is owned by warren buffet and? Also did you follow the law by advising the rep that you may be recording the call, i bet not. You also say the dealer ripped you off, the talk to the dealer, vanderbilt did not sell you the home. do you complain to your bank if the car dealership screwed something up on the sales contract?? Also i was willing to show links of the only 2 suits of which both were dismissed but you slander the co but cannot provide any links to prove it. That is slander. Also one last thing, you say the reps should be monitored and get in trouble for being rude, well here is a little surprise for your, they are monitored and recorded, then each month they have to sit with the department that monitors it and listen to so many calls and then are graded on each one of the calls on how they handled the situation. So you day the rep was rude i doubt if because they know everything is being monitored. Advising you if you fail to pay your bill that they will repo the home is not rude, asking for the payment is not rude. Maybe if mortgage co started doing as apartment complex and once you are 30 days just start eviction people would grow up and pay their bills on time. There needs to be harder penalties on peoples credit for being late and then are whole economy would be better.

by ???? From Saint Louis, MO on January 17, 2010

OK YOU SAY IT IS IN TEST OK BUT ANY OTHER Mortgage WOULD WORK WITH YOU AND NOT TRY TO harass YOU LIKE Vanderbilt DOES YES THEY HAVE TO CHARGE INTEREST BUT THEY ON THE OTHER HAND SHOULD KNOW THAT THERE BE TIMES IN PEOPLES LIVE THAT THINGS DO POP UP AND IS OUT OF THAT PERSONS CONTROL IT DOES,NT MEAN THAT PERSON WANTS TO BE BEHIND AND THEM STUIPED LITTLE CONTRACTS YOU TALK ABOUT IS WHERE THE DEALERS RIP YOU OFF ITS SAD WHEN YOUR COMPANY CAN,NT UNDERSTAND WHAT PEOPLE ARE TRYING TO TELL YOU ALL YOU PEOPLE AT VANDER BILT CAN,NT UNDERSTAND WE PEOPLE AND RICH LIKE BUFFET IS THE ONE THAT OWNS VANDERBILT YES YOU WO,NT TELL US BUT HE DOES OWN VANDERBILT. ALL I AM TRYING TO SAY IS LETS GET A LONG AND BE A BETTER MORTGAGE COMPANY IF YOU WAS IN BUSSINESS 35 YEARS HOW COME NO ONE HEARD OF YOU I REMBER BACK WHEN YOU TOOK OAKWOOD LOANS OUT YOU HAD A RECOREDING THAT YOU WAS A COLLECTION AGENCY YOU NEVER HAD MORTGAGE ON YOUR RECOREDING UNTIL AFTER WARD I KIND OF FIND THAT STRANGE BUT ANY WAYS ALL THESES PEOPLE ARE NOT LIEING JUST TRYED VANDER BUIT ON THE SERCH WO,NT BE SUPRIZED WHAT YOU FIND ON THEM I SURE FOUND SO MUCH ON THIS COMPANY IT IS SAD ALSO VANDERBILT WE NEVER TOLD YOU TO BUY OAKWOOD LOANS OUT YOU SHOULD OF GAVE PEOPLE A CHANCE TO FIND ANOTHER LENDER

by ???????? From Saint Louis, MO on January 17, 2010

ok let me tell you something everyone tape them when they call and harass you cause it is against the law when vanderbilt calls you 15 to 20 times a day also for your info who wrote about the law suit heck you can look it up online and see how many going on all you are is a Vanderbilt employee it is not slander when you tell the truth and by the way when did you all start following the law you stated are should i say your rep,s stated they do,nt have to follow the law mmmm i like to know if you do,nt follow the law then that means you are lying to every one also if you look at all the people that has said trhings about Vanderbilt they have to be true and for you to stand there and act like you do,nt see it give me a break i been recording all of your reps that have threaten when they call. you know what vanderbilt i wish you would be honest and do right by your customer instead of being some devil then maybe your business would be a good one all theses people ant lying i guess you do,nt see thing in the world that's going on maybe you are the one that gets rich by treating people like trash how would you like to be in all theses people shoes yea yea you pay your bills by ripping off all of us but if you was in our shoes you be just like us you might not own the company but we all know who it is how come you do,nt want people to know i always thought when you are doing business with some one you like to know who the owner is aRE IS IT BECAUSE YOU ALL ARE Afraid THAT IF WE ALL KNEW YOU MIGHT NOT HAVE JOBS FOR Treating YOUR CUSTOMERS LIKE HECK THAT IS NOT THE WAY TO DO Business WHAT A POOR COMPANY THAT HAS TO TREAT PEOPLE DIRTY

by Dan From Stinnett, KY on January 15, 2010

I think the person(s) praising the good reputation of Vanderbilt Mortgage must be on the payroll with them. I'm surprised the Federal Government hasn't interceded with their unfair trade practices, harassment and threats. I'm currently working on a lawsuit again them and it's not because I've ever missed a payment with them. Vanderbilt fabricates any type of charge it can so that they can put you in arrears and then charge outrageous fees to add onto your account. They are dishonest cheats!

by Anonymous From Sweetwater, TN on January 07, 2010

?????????? From Saint Louis, MO Since you know so much please list the sources of where you say there is 2 class action lawsuits and the 290k people (total number of customers they have "vmf.com")who are having the problems. The only 2 class actions suits I can finf online were done in 06 and were dismissed, please provide links of the suits. Also again it does not matter you didn't sign a contract with them that you signed with oakwood, oakwood filed bankruptcy and vanderbilt mortgage bought the mortgage in accordance with federal laws. Mortgages are sold between lenders all the time. My personal mortgage was just taken over by bank of america from taylor bean & whitaker. Your contract is still the same and you still owe the debt, it is just not vanderbilt owns and service the loan. Nothing in your contract has changed except who you are paying it to. You can look online and see where people mortgage have been sold everyday and during length of a mortgage may actually be sold several times. Here is one of the dismissed cases here, but i guess you will say the court was wrong also http://www.websupp.org/data/MDTN/3:07-cv-00512-43-MDTN.pdf. You should have your facts straight on here before making comments as this can be considered slander. A link of this site with your comment has been forwarded to clayton and vanderbilt mortgage for review by their attorney. Have a great night, i know i will!!

by Anonymous From Sweetwater, TN on January 07, 2010

For Anonymous From Jonesboro, LA, i can not see what your complaint is, YOU DID NOT QUALIFY on your own credit and income, it is that simple. Why would they refinance and put you as the only one if you do not qualify. Also did you sign a deed in lieu or let them repo it? As for paying 50 on 32k trailer?? That is call interest, go to ANY mortgage calculator site and put in your info (loan amount, interest rate, term) and will show you how a mortgage works and total cost. Most people do not realize how expensive mortgages are. As for the obama program it is a rip off. Since you were both on the contract still, it would adjust your payment to 31% of your GROSS (before and taxes or deductions) not net income of both of you combined. For example if both incomes gross was 1000 (very low) then your payment would be reduced to 310, 2000 then 620, 3000 a month 960 and so on. Being a 32k loan i doubt your payment was that high. Also that obama plan was NOT mandatory, it was voluntary. This is why so many co do not do this program. You signed a contract and are legally responsible for the debt, that simple.

by Anonymous From Sweetwater, TN on January 07, 2010

For ?????????? From Saint Louis, MO, i guess you listen as good on hear as when they went over the contract with you. For the last time get it through your thick, idiotic skull I DO NOT WORK FOR VANDERBILT MORTGAGE, CLAYTON, OR AND BERKSHIRE HATHAWAY CO!!! I work for a national finance co that does personal and mortgage loans!!

by TEACHER From San Antonio, TX on January 07, 2010

aFTER MY DIVORCE I HAD FOUND BUYERS FOR MY HOME (MORTGAGED BY VANDERBILT). I HAD SEVERAL DOCTORS AND Superintendents THAT WERE TOLD THAT THEY DID NOT QUALIFY, BUT EACH TIME THEY OFFERED TO repossess THE HOME. WHEN ASKED ABOUT MY PAYMENT HISTORY, Which was ON TIME THEY HAD CLAIMED THAT I WAS LATE, EVEN THOUGH MY BANK ACCOUNTS SHOW PAYMENTS WERE MADE ON TIME AND ACCORDING TO THE PAYMENT BOOK. I HAVE FOUGHT WITH THEM BUT CONTINUE TO LOOSE MY CASE. THEY CLAIM THAT I WAS LATE AND THAT THEY LOST THE RECORDS AND CANNOT PROVE OTHERWISE, SO WHY IS IT STILL ON MY CREDIT REPORT IF THEY HAVE NO PROOF. WHAT ARE THEY TELLING THE CREDIT BUREAUS. IN ADDITION I OWNED THE HOME FOR 6 YEARS AND ONLY 6,OOO DOLLARS WERE DEDUCTED FROM MY MORTGAGE, I WAS FORCED TO GET THERE endurance WHICH I KEPT Canceling AND Showing MY PROOF OF INSURANCE SENT EVERY MONTH TO THEM FOR PROOF. HOW DO I RID MYSELF OF THIS HORRIBLE ORGANIZATION? AND BETTER MY CREDIT REPORT IF THEY MAKE UP RECORDS.

by Anonymous From Jonesboro, LA on January 06, 2010

I STARTED PAYING FOR A HOUSE 10 YEARS AGO NEVER LATE WITH PAYMENT WENT through DIVORCE Didn't WANT TO IMPROVE THE EX HUSBANDS CREDIT ASK TO BUY OUTRIGHT THEY TURNED DOWN MY OFFER I ASK TO REFINANCE ON MY OWN BUT AGAIN WAS TURNED DOWN TOLD ME IF I WOULD MOVE OUT THEY WOULD NOT CHARGE ME LEGAL FEES A LIE THEY SOLD THE HOUSE FOR LESS THAN WHAT I OFFERED AND WANT ME TO PAY THE Difference I HAD ALREADY PAID ALMOST 50 THOUSAND DOLLARS FOR A 32 THOUSAND DOLLAR HOME AT 13 PERCENT INTEREST THESE PEOPLE ARE THE DEVIL Don't DEAL WITH THEM THEY WILL CUT YOUR VEINS AND WATCH YOU BLEED TO DEATH JUST FOR THE FUN OF IT OBAMA PASSED ALL THIS SO CALLED CRAP FOR PEOPLE TO BE ABLE TO KEEP THEIR HOMES MAYBE HE Didn't SEND THEM A MEMO BECAUSE THEY Don't Care. Whatever YOU DO Don't USE THEM YOU ARE BETTER OFF PITCHING A TENT IN THE WOODS THAN DEALING WITH THESE MAFIA TYPE PEOPLE

by ?????????? From Saint Louis, MO on January 05, 2010

ok listen up you do work for Vanderbilt don't lie you say stupid loan modified, the only reason you say that cause your a rip off like them. easy for you to set back and tell people stupid lies that fills the fat mans pockets. oh i guess you live high of the horses don't you by ripping people off. seems funny if Vanderbilt was so good as you claim then why is there 2 class action law suits against Vanderbilt with over 290,000 people they rip off gosh if i was in that business like vanderbilt we be millionaires in no time contracts yes they do need to sign a new contract when vanderbilt says they don't follow the laws also they even say they don't have to follow the laws give me a break you do work for vanderbilt also i will let the president know what you said.

by ?????????? From Saint Louis, MO on January 05, 2010

to the guy in by Anonymous From Sweetwater, TN that wrote that note let me tell you something everyone across the united states filing class action law suits against vanderbilt that should tell you something Vanderbilt bilt is a flute like maybe you are to like your 1 of them but lying to everyone. look here i never signed no contract with them they took over oakwood . you say vanderbilt is with in the law well let me play the recorder cause i been recording all there calls mmmmm sounds to me they are harassing people on the phones and threatening people wonder what the judge will say when he hears what they say when they call you all day long easy to say your not any part of Vanderbilt when i belive you are are maybe you are just like them ripping people off also do you think that all theses people get on hear for fun and make complaints against Vanderbilt i don't think so because they are having just as much problems with them like i am. Vanderbilt is one of the nation leading mortgage rip offs maybe like you are to. seems funny when you have over 290,000 people having issues with Vanderbilt ripping them off

by Anonymous From Sweetwater, TN on January 05, 2010

for Anonymous From Asheboro, NC, the only way could be that much interest is if you took a 35 loan and you did if for 30 years, if so then yes you will pay allot of interest on 30 years (i figured this in a standard mortgage calculator). If you did not want to pay that much you should have not signed the contract!! Also just so people know, IT IS NOT illegal to call your neighbors, family, friends and leave a message for you to contact them with their name and number. If you do not want your family or neighbors called it is very SIMPLE pay your bills on time or answer when they call you. I hate to put it bluntly but here it is, it does not matter why you are late (lost job, the economy, sick, disabled) you signed a contract and they have the right to enforce the contract including repo of the home if you do not pay. It same as if you live in an apartment, you go a month past due they will kick you out, you go without paying your electric it is shut off, cell phone same thing. Why would your mortgage be any different? You don't pay you loose the collateral of the loan (your HOME)!!!

by Anonymous From Asheboro, NC on January 01, 2010

I have doubled their money already IN THE LAST 10 YEARS OF PAYMENTS(at 13% INTEREST!) AND THEY WANT TO FORECLOSE THE DAY AFTER CHRISTMAS? The reps that call every hour on the hour are very courteous. They refuse to drop the interest rate, so they will make 150,000 on a 35,000 loan. I would kick entire families out on the street (at Christmas) for margins like that, too! In short, run from them!

by Anonymous From Independence, LA on December 31, 2009

THEY DONT WORK WITH YOU EVEN WHEN YOU CALL BEFORE YOU GET BEHIND FOR HELP.

by Anonymous From Grethel, KY on December 31, 2009

by royal wilde From Parma, ID on December 29, 2009

by Mark From Louisville, KY on December 29, 2009

It is interesting to see that people who are not struggling to make their payments rate the company high and people who are rate the company low. Most people should be able to relate to someone having a tough time with their finances. This is especially true in poor economic times. However, the confusing part comes when I read people complaints on a web site. This means you have access to a computer which has access to the Internet. If you are able to get this access for free, such as at the library, that's great but perhaps you should spend more time reading about personal finance. For those of you complaining who have a computer and have Internet access then I have to wonder how you are paying for it and complaining about not being able to make your mortgage payments. Concerning legal action please understand that the laws are different in different states. You should do your research before seeking legal action. Many states will not allow a foreclosure on a loan in default if you have communicated, in writing, when you will make a payment. Of course this assumes you actually make the payment as promised. For those of you who are struggling and truly are trying to do your best - I wish there was something I could do for you. Please make an attempt to see what your option are, which rarely involves anything legal as legal equals expensive,to try to better your situation. I wish everyone who is having a hard time the best of luck.

by Anonymous From Chipley, FL on December 22, 2009

by Anonymous From Sweetwater, TN on December 12, 2009

Here it is for you in simple terms, if you do not pay your mortgage they will call and if continue to not pay they will repo your home as any other bills. Grow up people and be responsible adults. You signed a contract to pay the bill then get mad when they enforce the contract. If you do not want calls from them saying to pay then PAY YOUR BILL ON TIME!!! They would be glad to never call you if you paid on time. Everybody is looking to blame somebody else for why they cannot pay their bills ( i los my job, i only get ssi, i had sugery, i got laid off) the simple fact is it does not matter, you are still respomsible for the loan and if you dont pay then they can repo it. You dont pay your car they repo it, you dont pay your electric they shut it off, you dont pay your phone they shut it off. Why would your mortgage be any different. Call you car company and ask for a modification of your loan, i bet they would laugh at you, but we expect our mortgage companies to do this. Also cont to pay late on your mortgage reports to your credit and will hurt it, and if you try to get another mortgage will be more difficult and expensive. I have seen people on here say i am only one month behind, that means it is reporting 30 days past due on your credit each month. Also if you are 30 days past due then your loan is in default. What would happen if you were renting an apartment and went 30 days past due, they would have you kicked out. They would not modify your rent or put at the end of the agreement you would have to pay. This is the same, you are paying to live in the home until you pay the loan off!

by lynette richardson From Lexington, NC on December 07, 2009

don't know how to work with people

by Anonymous From Ramseur, NC on December 07, 2009

by Dan Hoskins From Stinnett, KY on December 05, 2009

I'm just a poor working fool like the rest of you who are getting run over by Vanderbilt. Clayton Homes absolutely lied and conned me into buying one of their homes. When it was delivered I called to tell them they had delivered the wrong mobile home. It was supposed to have 2x6 exterior frames and tongue and groove plywood flooring, but it was cheaply made and I'm already having problems with it. I've reported them to the Attorney General State of Kentucky under the state and federal Deceptive Trade Practices law and nobody seems to be able to touch them! I'm looking for a lawyer or a group of people who have been "screwed" by this company to sue them "big time". I've contact Oprah Winfrey to see if she will help expose them and get some justice for all of us poor ignorant people who actually trusted them. Call me if you're interested as soon as possible-phone # 606-374-4353

by Anonymous From Albany, GA on December 02, 2009

I work with a lady they were trying to contact . When I told the lady from Vanderbilt that she wasn't there and that she was on sick leave, she told me "That's funny. Every time I call. it's a different reason. " She accused me and the other people at the job she had talked to of covering up. It was VERY unprofessional. That is the words she used. Covering up. Then she said that I needed to let the lady I work with know that she is being tracked down and has thirty minutes. The crazy thing is that I didn't even know what it was about. Still don't. I have a pretty good guess now though since I looked it up. Oh yeah-she asked to speak to the lady's supervisor also. Of course I didn't do that. I just thought this was the meanest woman to have so little respect for another human being as to talk to complete strangers like I was in that kind of way. It freaked me out when she said they were tracking her down and she had 30 minutes. You'd think she just committed murder and the person I was talking to was a cop. Besides,I had nothing to do with any of it. This person was so unprofessional, I'm amazed now to find out what it was about. It also makes the people sound ignorant . Couldn't believe it. How come these people are still in business?

by Rex Tennant From Ephrata, PA on November 28, 2009

Vanderbilt stinks.... !! They are nothing more than a bunch of low lifes !! I'd never deal with them again except in court when i sue them !!! DON'T USE THESE PEOPLE FOR ANYTHING !!!

by Anonymous From Suquamish, WA on November 27, 2009

My only complaint that I can think of at this time is that when I called them in Jan.'09,to discuss my standing, they said it had gone to their attorney and there was nothing else they could do to help me. I had hoped they could have given me some sort of ideas of what to do next as I was able to bring the loan current and told them so. I was in such a vulnerable situation and felt totally defeated at the end of that phone call.

by Anonymous From Bedford, VA on November 13, 2009

by Anonymous From Smiths Creek, MI on November 11, 2009

Bottom line is no matter how late you are or the reason why no one deserves to be threatened, belittled, called names, or told how to spend their money. I have been told, like many of you to borrow money, get my priorities straight, amongst many other things. I have no debt other then my home and one car which is only $162 a month. I know that some sticking up for Vanderbilt have stated that people who get behind probably spend all their money on non essentials and that is NOT the truth here. For my family there is no one bill that is more important then the other. We have food, gas, electric, and a vehicle. No credit cards or other nonsense bills. My husband and I both work but the fact is insurance has sky rocketed along with food and gas prices on top of declining incomes. I understand I still have to pay and if they want to call about a late payment that is fine and I understand, but when you start telling me that I need to get my priorities straight, telling me to borrow money, and other CRAZY things that's where I have a problem. We were actually able to get a recording of a certain rep. who thought they had hung up the phone and hadn't and called us names. We sent it to a supervisor, don't know if anything else was done about it but we no longer get calls from that particular rep. They also not only call your neighbors and family members but also your family members neighbors. They also were told not to call and they still did anyway. I have been late with other banks in the past and have NEVER had more then a phone call to me personally. They have never threatened or crossed the line. Vanderbilt is in a league all it's own. Buyers beware.

by anonymous From Myrtle Beach, SC on November 01, 2009

Their the ones that know the story of David and Goliath(Giant)Keep the faith, rest assured that David was victorious over Goliath.........

by Anonymous From York, SC on October 27, 2009

I spoke with Pamela Yates at Vanberbilt last week because I owe for October and soon November's payment. I'm a single mom with limited income and told her I would send a payment on November 13 and have November's there by November and she told me she couldn't do that. I explained to her our vehicle messed up and it was taking what money I had to get it fixed and she said I won't have my bills in order. Will I can get our car fix or not work and many any money to pay our bills. But they want work with anyone even if you tell them your problems.

by Anonymous From Maryville, TN on October 18, 2009

We have our home over half way paid off. My husband has been permanently injured and applied for disability. They delayed 2 payments. Account specialist said they could not help us . I have managed to make payments without being late for a year now. We don't have money for normal things like shoes, clothes, gas, or things the kid needs for school. In spite of excellent history with them they are not negotiable. We have a roof over our head. Thank God for that. Unless you will always have perfect circumstances don't buy from Vanderbilt.

by Anonymous From Fort Mitchell, AL on October 16, 2009

by Anonymous From Sulphur Springs, TX on October 14, 2009

by Anonymous From Wylie, TX on October 14, 2009

We have found someone to assume our loan and it has been over 2 months now and Vanderbilt will not do the paper work for it all to be done. I don't who the person that runs the group but he should fire all the people that work there and start over...

by A From Saint Helena Island, SC on October 13, 2009

I was told by a representative from Vanderbilt Mortgage that NACA does not help out customers who have fallen behind. I question the rep about a loan modification since I was laid off March of 2009 and have been looking for work. The rep only gave me the run around and yes I will look into NACA for assistance since I won't get any from Vanderbilt Mortgage.

by Mary Hopkins From Boynton, OK on October 09, 2009

They've been good about working with me but I've borrowed all I can from friends.

by scott d From Chico, TX on October 03, 2009

clayton mobile homes we build dreams not till you deal vanderbilt mortgage these people will call if your one day late harrasing you threatning you im sick of it im 10 years into my loan this dream is falling apart(mobile home) air conditioner quit working and was leaking water on the floor into master bedroom not caught for a week damage was done insurance company was called they came out but they wont pay because the problem has not been fixed later to find out vanderbilt mortgage owns the insurance company two weeks ago they called me to harrase me and threaten me and i said id had enouph come get this mf i cant take no more of this bs im moving this dream hasnt been nothing but a nightmare i hope the best to all

by anonymous one From Fayette, MS on October 01, 2009

I am dealing with Vanderbuilt at this present time. They seem to want to work with us to stay in the home. I don't know if it is a trick or they really want to help. However, I don not fault vanderbuilt for my problems. M mortage has not been paid. My husband lost his job and it has been downhill ever since. I fault bad financial decisions and a rocky marriage for the problems. To me, Vanderbuilt did all they could. I'm in the process of facing a foreclosure but overall I would still say Vanderbuilt is a preet good company. You have to pay your mortage. That's all I can say.

by Vicky From Memphis, TN on September 27, 2009

I posted last week but didn't see it. Why will you not let me tell these people how they can get help with NACA.com free neighborhood agency. People cannot deal with this horrible company. They have their agenda and that's it! Washington needs to know. This company needs to be exposed! Somehow, someway I will let Washington know. Buffet needs to be exposed to Washington! What an embarrassment it would be. Will you let these people get help? Thank you .

by Anonymous From Cotopaxi, CO on September 23, 2009

How come all you fags that work for Vanderbilt wont leave your name? I would be scared too if I were you. I didn't leave mine because I'm afraid they will raise my payment. Vanderbilt sucks

by ELISA lynn JOHNSON From Dothan, AL on September 09, 2009

they have not offered any deferment or any help to catch this up they are very pushy and just don't seem to want to help up other than insist the payments are caught up

by Anonymous From Sweetwater, TN on September 02, 2009

for ???? From Saint Louis, MO get the lint out of your ears and listen carefully again I DO NOT WORK FOR VANDERBILT MORTGAGE. i work for a local finance co with no connections to them. Vanderbilt is over an hour from my house. So what did vanderbilt not follow that was part of your contract. And you are right you may not have signed another contract with them and do not need to, mortgages are bought and sold every day by mortgage companies, mine was just sold to bank of america. Are you talking about promises to do stuff to the mobile home or terms of the contract was broken in the contract. The only thing vanderbilt is responsible for is the finance part of your contract and has nothing to do with the mobile home promises. Same thing as if a car company promises to do something to your car, you would not call your bank to ask it be done or complain. Also what do you think obama is going to do, i have seen there contracts from mortgage that we have refi for our customers that had loans with vanderbilt, mobile home loans are at higher rates and more expensive to finance. But they are well within what they are allowed and could be legally a lot higher. If you didn't like the rate or terms you should have went elsewhere. They are not part of the government bailout and are not required to do the stupid modifications that the president did that helps no one, all it does is take your payment to 38 of GROSS not NET of you monthly income by changing you interest rate for 5 years then your rate goes back up. Most people mortgages is already less than 38% of their total house Gross income. All this is figures on your before taxes and deductions income. It doesn't matter who your mortgage co is, you do not pay your bills they will call you and then foreclose on your home if you do not pay, same as a bank would repo your car if you don't pay. But i am sure you want a government bailout for that since your car value went down also! It does not matter if you are a day late or a month late you are LATE and your contract is in default and they can legally call you. Just because you have a grace period before you have late charge does not mean you are not in default. If you are due on 1st you are late on 2nd per any contract by state law. You say they are so bad but they have an A+ rating with BBB, must not be that bad to have not just an A but A+ rating. http://knoxville.bbb.org/WWWRoot/Report.aspx?site=57&bbb=0533&firm=6560 (thank you jessie for the link) Just pay your bill on time and they will not call you. Stop complaining like babies and be responsible adults!!!

by Ronald Savedge From Elberon, VA on August 31, 2009

by ???? From Saint Louis, MO on August 29, 2009

ok Vanderbilt you say you are not part of the government bail out then what are you a bunch of crooks and thieves and for some of you that defend Vanderbilt what are you the employee of Vanderbilt ok listen up everyone when oakwood went down i never signed another contract with these people vanderbilt and today Vanderbilt states they don't follow the 1st contract if that is so then we don't have a contract with Vanderbilt because they are breaking the contract they are supposed to follow the 1st contract since they are new mortgage people which i would never sign a contract with them anyway. There were promises made in the contract that if Vanderbilt really are mortgage people that they are supposed to follow which they're not. also Vanderbilt you say that your not part of the government bail out well I got news for you the president is going to crack down on your type of mortgage which i believe they should have done a long time ago putting an end to dishonest companies like yours.

by Anonymous From Lyles, TN on August 25, 2009

I financed a mobile with 1.3 acres of land; I still owned 4.7 additional acres. They repoed the home in 2005; A week ago, I found out that a foreclosre sale is set for 9/1/09. All last week and up until today I was told they were auctioning off the 1.3; this afternoon, they said the entire tract even though my tax bill states the 1.3. They said that I signed it all away. I know I didn't and they do also. Getting me an atty. Something is fishy.

by Anonymous From Sweetwater, TN on August 22, 2009

for Anonymous From Saint Louis, MO AGAIN!! You really need to get your facts straight. Oakwood was a totally different company then clayton mobile homes. They filed Bankruptcy and shut down, when this happen vanderbilt mortgage bought their loans. As for pretending to be lawyers i am not sure where that came fromas i never said i was. Per Fair credit debt act you can call up to 3 times a day per line and leave one message. You may not treatan any action unless you actually are doing it (suing, foreclosure) If they have sent you notice of default then that right there started the foreclosure process and is legal. They can call your family, work, home, cell, neighbors to try and get a hold of you. They are also under no legal obligation per any state law and your contract to change anything in your contract (late fees, interest rate). They are also not obligated by any law to modify your loan because you lost your job or your home value went down. To put it very simple, you signed a contract to pay so much for so long of a term, if you do not do this than they can foreclose on the home. If you have complaints against the home or a problem with the home that is with clayton mobile homes not the vanderbilt. If you buy a car and finance through your bank do you complain that something broke on the car to the bank, no you complain to the maufacture. Would you like your work to say well i cant pay you this week because business is a little slow but i promise to catch up with you it might take a few months, no you would leave that company same thing. Vanderbilt gave you the money to purchase the home now they are being paid for their services so they can continue to loan out money, pay their employees and comtinue to operate. Please dont get me wrong i really hate if for the people who lost their jobs and may loose their home, the economy took a bad turn and hurt a lot of people. But contracts must still be upheld or businesses will not be able to stay open and pay their employees and more people will loose their homes. As for being a collection agency here is the exact defintion: A collection agency is a business that pursues payments on debts owed by individuals or businesses. Most collection agencies operate as agents of creditors and collect debts for a fee or percentage of the total amount owed. [1] Some agencies, sometimes referred to as "debt buyers", purchase debts from creditors for a fraction of the value of the debt and pursue the debtor for the full balance.[2] Creditors typically send debts to a collection agency in order to remove them from their accounts receivable records; the difference between the amount collected and the full value of the debt is then written off as a loss. Some agencies are departments or subsidiaries of the company that owns the original debt. First party agencies typically get involved earlier in the debt collection process and have a greater incentive to try to maintain a constructive customer relationship.[3] Because they are a part of the original creditor, first party agencies are not subject to the Fair Debt Collection Practices Act which governs third party collection agencies[citation needed]. These agencies are called "first party" because they are part of the first party to the contract (i.e. the creditor). The second party is the consumer (or debtor). Again make sure you read this line "Because they are a part of the original creditor, first party agencies are not subject to the Fair Debt Collection Practices Act which governs third party collection agencies This is straight from the website of Wikipedia under debt collections taken word for word. The term collection agency is usually applied to third-party agencies, called such because they were not a party to the original contract. The creditor assigns accounts directly to such an agency on a contingency-fee basis, which usually initially costs nothing to the creditor or merchant, except for the cost of communications. This however is dependent on the individual service level agreement (SLA) that exists between the creditor and the collection agency In the United States, consumer third-party agencies are subject to the Fair Debt Collection Practices Act of 1977 (FDCPA). This federal law is administered by the Federal Trade Commission or FTC. This act limits the hours during which the agency may call the debtor and prohibits communication of the debt to a third party. It also prohibits false, deceptive or misleading representations, and prohibits the agency from making threats of actions the agency cannot lawfully or does not intend to take. So as you can clearly see vanderbilt owns these loans and so is a first party. Please feel free to check this out on wikipedia if you think i am a liar, but this straight from their website so no one can say i am trying to mislead anything. Here is even the website http://en.wikipedia.org/wiki/Collection_agency

by danita methot From Pottsboro, TX on August 20, 2009

we keep getting weird letters about a settelment from a case pending about claytonhomes who is where i got my home about cases people have aganist them so id like see if we can refinance lower rates or get a lower interest

by Anonymous From Saint Louis, MO on August 19, 2009

to all you that work at Vanderbilt built you are such liars if the president even knew how you were doing business you wouldn't be getting away with all your crap also to the one who said he works for a collection agency yes it is against the law to call and harass people also acting like lawyer well that is misrepresenting yourself that my friend is against the law and yes there are laws you have to follow and belive me you are not following them very well you don't think the president cares? how would you like to go to washington and say that in front of his face you people have a lot to learn your not above the law vanderbilt also the real truth is you use to be oakwood until you went down now your vanderbilt what a laugh by the way vanderbilt i recall in 2004 you had a recording that you were a collection agency that tells me you misrepresent yourself

by Anonymous From San Jacinto, CA on August 12, 2009

Chase threw us under the bus by giving us this damned company. Only have had rude experiences with them on the phone. I'm not late or being foreclosed. I pay my bills including their's. Just think they lack customer service skills and the other comments speak for themselves. No reason to treat customers like inmates in jail. Just another reason corporate. america is awful.

by PAMELA ALEXANDER From Youngsville, NC on August 08, 2009

I'VE NEVER HAD ANY PROBLEMS WITH THEM BUT THEN AGAIN I ALWAYS PAID ON TIME BUT FAMILY MEMBERS ARE WHAT GOT US WHERE WE ARE NOW.

by Robert Smith From Leicester, NC on August 04, 2009

by Anonymous From Mantee, MS on July 31, 2009

by Jennifer New From Edna, TX on July 31, 2009

THESE PEOPLE ARE RUDE AND NOT WILLING TO HELP AT ALL, I AM BEHIND ON MY MORTGAGE BUT I SEND THEM SOMETHING EVERYTIME I GET PAID EVEN IF ONLY 100 DOLLARS IF THEY WOULD JUST DEFER ONE PAYMENT I COULD MAKE THEM NO PROBLEMS BUT THEY WOULD RATHER JUST TAKE MY HOME AND LAND..

by ronald brothers From Gallant, AL on July 23, 2009

by Anonymous From Wichita, KS on July 20, 2009

THERE ARE NOT ENOUGH WORDS IN THIS UNIVERSE TO DISCRIBE HOW NASTY, HATEFUL...ETC THESE PEOPLE ARE. THEY REFUSE TO LOWER YOUR INTEREST RATE, WILL NOT OBSOLVE YOU OF ANY MONEY OWED IF YOU WANT TO DO A SHORT SEEL ON YOUR PROPERTY. THEY WANT YOU TO GET A BUYER ON YOUR HOME TO FINANCE WITH THEM AT YOUR INSANLY HIGH INTEREST RATE (WHICH IS 14.25%). I KNOW CALL 911 EVERYONE IS HAVEING A HEARTATTACH. MY ADVICE IT NOT TO EVEN THINK ABOUT GETTING A LOAN WITH THESE PEOPLE.

by Anonymous From Anniston, AL on July 17, 2009

RUDE PEOPLE AND WHY DOES MY PAYMENT KEEP GOING UP TO PUT MORE MONEY IN MY ESCROW

by SHERI From Lancaster, SC on July 17, 2009

VANDERBILT MTG SUCKS, I WAS IN Foreclosure JUDGE MADE THEM WORK WITH ME, THEIR OWN LAWYER TOLD THEM THEY ARE OUT OF LINE, I GOT A 11.75 INTEREST RATE, IF I HAD A NORMAL LOAN I COULD PAY IT, SO WHY Don't THEY MODIFY OR CONVERT TO A NORMAL LOAN I SHOULD BE PAYING 536 A MONTH BUT I AM PAYING OVER 700 JUST ON MY HOUSE, THEY Don't HAVE MY LAND BUT KEEP TELLING ME TO GET OFF MY OWN LAND,I OFFERED THEM HALF MONEY YESTERDAY AND THE OTHER HALF NEXT WEEK THEN I WOULD BE CAUGHT UP THEY SAID NOPE NEED 2000 TODAY TO MAKE IT CURRENT SO I TOLD THEM TO COME GET IT THEN I AM SICK OF THESE PEOPLE HARASSING ME I WILL KEEP MY MONEY AND LIVE IN A TENT BEFORE I GIVE THEM A DIME THEY WILL LOSE ON THIS HOUSE BIG TIME, SO Doesn't MAKE SENSE TO ME BUT LET THEM TAKE IT.BUT THEY DID SEND A MAN TO MY HOME TO TAKE PICTURES WHICH IS HARASSMENT AND HE HARASSED MY SON WHO IS HIGH SCHOOL THAT IS TOTALLY ILLEGAL I TOLD THEM TO GET OFF MY PROPERTY OR I WILL CALL LAW AND SIC THE DOG ON HIM I HAVE NO Trespassing SIGNS AND BEWARE OF DOG SIGNS AND SIGNS THAT WARN I WILL SHOOT SO COME ON BACK DUDE I AM WAITING

by Anonymous From Sweetwater, TN on July 13, 2009

For Erik, I am sorry you and your wife are divorcing and I wish you the best. But as you said you are a month behind and are hanging up on them when they call. They have no choice but to call your work and family to try and get a message to you then. You signed a contract to pay, and I am pretty sure it did not state you would make the payment unless you got divorced or property values went down. Everybody's property values went down but that is not an excuse to be late. I DO understand now you are short one income. I do realize that Vanderbilt (or Clayton) was not part of the government bailout as they did not need or want the money. (No I do not still work there it has been several months) Vanderbilt is not part of the government bailout and as so not part of the government's stupid modification program that actually helped no one. Obama plans just reduced your payment to 38% of your gross (not near) income for 5 years then your interest rate would start increasing again till was back at original rate. Also would advise you consider all your options before giving home back as the foreclosure will be on your credit for 7 years and will be very hard to get a loan for anything, also depending on your state vanderbilt can garnish your wages or sue for the deficiency from what you owe and what they sell your property for and all legal fees. Also they can put liens on any other property you get until all amount is paid back as this is a secured loan. One option you can look at is deed in lieu as this may prevent you from having to pay the difference but is still a foreclosure on your credit. I work in a loan business now and have seen what foreclosures can do to peoples credit and prevent loan. I hope this can help you and wish you and your family the best.

by Erik From Fernley, NV on July 11, 2009

If you are considering a loan with VanderBilt mortgage after reading all these testimonials, go have a psychological evaluation done. I got behind one month because my wife left me 3 months after we purchased our home. She took her paycheck with her, and we live in an area that has seen real estate values fall by over 1/2. So here I am having paid faithfully on a mortgage for over 5 years, then upgraded my mobile home to a Clayton home and am now in financial ruins. These people call and harass my mother who had just buried her mother and has nothing to do with my mortgage or personal problems. This company calls her home and leaves a message on her voice mail everyday. This company harasses my 5 year old daughter if she picks up my cell phone before I get to it. They told her that her daddy was a "deadbeat", she handed me the phone and told her 3 year old brother "poor daddy" he's trying his best...what 5 year old should hear that kind of crap? For those of you who pay your bills on time and you have never had a personal or professional situation that caused you to have to make a late payment, rock on...I hope you never have to face financial adversity, but just because you haven't doesn't give you the right to judge those who have. My compassionate collection representative suggested that since my wife and I were divorcing, I could sell my wedding rings and make my house payment. Unfortunately, I had already sold it to buy milk and food for my kids. I work for a Warren Buffet Company, and two years ago we were working overtime and now I can barely get in a 40-hr week. I think most people would choose to pay their mortgage on time, I like the idea of keeping a roof on my children's heads but no one has the right to be degrading or demeaning because of a late payment. This company will eventually go under because of it's practices and policies, I'm just going to move and give the house back to them. My kids deserve a dad that can devote love and attention to them and not have to be continually stressed about harassment over a 30 day late house payment. I'll take the hit on my credit, it beats losing the love and respect of a 3 and 5 year old. Life is too short to spend one more minute on the phone being harassed and ridiculed by an unscrupulous company with questionable business practices. I'm being expected to pay a mortgage of over $200,000 for a home that appraises for just over $100,000. I'd rather rent and keep my sanity. I pray that I never lose my job and have to take a job as a VanderBilt collection agent, I think there's more dignity in being homeless and begging for spare change. Don't ever let anyone tell you that you are a "deadbeat" especially through your 5 year old daughter who thinks the world of you. You are a valuable human to yourself and anyone who loves you. I choose to hang up on Vanderbilt, and make humble apologies to my mother, my employer and my children for the mistakes I have made. Mr. Miller, you can have my ex-wife...call her as often as you want, but leave my 5 year old daughter out of it. I would love the opportunity to testify to congress about the policies and practices of VanderBilt mortgage, but since I was one percent short of qualifying for the government mortgage assistance program, it seems more likely that VanderBilt will get a "bail out" before those of us who could really use the help will. Maybe if all VanderBilt mortgagees with held one month's mortgage payments someone would take notice. It's just a house, people, take care of yourself and your families first.

by Anonymous From Williston, SC on July 03, 2009

very rude & intrusive even at first of month..when they give a grace period and I wasn't late they know I am waiting for SSD...

by Marlene Greene From Whitakers, NC on July 01, 2009

by Anonymous From Sweetwater, TN on June 27, 2009

No i do not work for vanderbilt i work for a Finance co in Madisonville (no attachment) and do not have any family who work there either. I am happy working where i am and do not plan on working there. I am just writing it how it is on here. You don't pay your bill (just as if people do not pay bill where i work) there is consequences for your actions. All people do is want to make excuses of why they cant pay their bill instead of taking responsibility for their obligations. If you cant pay it ok, then move out. You think the white house will care that you could not pay your bill and a mortgage co foreclosed on your home per your contract. NO...I do know stuff happens, but your home payment should be first thing paid you need a place to live. But i have seen where people ask for modifications or help and you ask for bank statement to figure up their income and it is full of hair salons, eating out, and other non essential items 3-4 times a month. They say they cant pay mortgage but can go out and eat 2-3 times a week and go to get their nails and hair done. I will also say again vanderbilt owns these loans and is not a collection agency but the actual mortgage co so you need to re read what the fair debt collection laws state. They are not a 3rd party since they own the loans they are collecting on. They have the right to call you on each one of your numbers every day, call your family if you do not call back, call your work (unless you or your boss has explicitly told them not to)call your neighbors and leave messages to call. They can also run skip trace which will give them any phone numbers you have (cells, private numbers, unlisted numbers) as well as any relatives info (mothers, fathers, sisters, brothers, x-wives or x-husbands, Associates, neighbors) This is within all the laws of collecting a debt as the owner of the debt. The main thing any place collecting a debt wants is communication does not matter if its a car loan or a mortgage. Calling you everyday because you did not answer your phone is not harassment and is not illegal in any state.

by Anonymous From Flat Rock, MI on June 25, 2009

Anonymous From Sweetwater, TN works for Vanderbilt. Obviously. and if he/she doesn't...one of his/her family members must. Why else would he be sticking up for these UNPROFESSIONAL, RUDE people so hard.

by Anonymous From Sweetwater, TN on June 24, 2009

For ???? here are the number for the white house?? You think obama cares that vanderbilt called you because you were past due. He would tell you the same thing pay your bill, you signed a contract and said you would, not if you felt like it, or was in the mood, or had a job. but you would pay it each month. As the person before said a foreclosure is not a threat but a consequence of not paying your bill. Just because you lost your job for a month or your home value has dropped does not relieve you from your obligations. If you do not want to pay then fine, they will foreclose. Everybody wants to blame the economy, or the banks,. but no one is willing to take responsibility for their own bills. If your out of work i am sorry as I was out of work for 6 months till jan of this year, but ALL my bills were kept current and paid including my mortgage. Why should my tax dollars go to pay for your mortgage to bail you out when i paid mine.

by Anonymous From Maryville, TN on June 19, 2009

I think its funny that the only people complaining are people who don't pay their bills. It's like people who keep library books or rental movies out 5 days late and get mad when they have to pay late fees. Having your home foreclosed is not a threat, it's a consequence of you not doing you're part in a contract...the LOAN! Maybe you people should look into this before you buy a house. Also to the people going on about the Fair Credit laws and how Vanderbilt violates them quit listening to the debt relief lawyer commercials who are really trying to rip you off. Those laws apply to 3rd party which means an outside member. If you get a loan from Vanderbilt they are not a 3rd party and they can call all they want for the money you owe them and aren't paying! Also say what you want but I don't work for them. Unlike you, even in difficult times, I'm just a person who does what they are supposed to do. Quit whining and pay your bills.

by Zackery King From Foley, AL on June 02, 2009

by ????????? From Saint Louis, MO on June 01, 2009

here is numbers to the white house Phone Numbers Comments: 202-456-1111 Switchboard: 202-456-1414 FAX: 202-456-2461

by Anonymous From Flat Rock, MI on May 29, 2009

increased mortgage payment by 70.00 monthly and has provided no reason or info why, even after several requests.

by ???? From Saint Louis, MO on May 28, 2009

well everyone i been doing some checking on what laws have been broke well lets say a bunch they say they follow the law i like to know where they say that cause if they follow the law they would know harrssing people is against the fair debt collection act all this stuff that is being said is vanderbilt employess do,nt let them fool you. every body trys to pay there bills do,nt let them stand there and tell you that the only way they pay there bills is ripping people off yes vander bilt i do say you like ripping people off and vanderbilt if your so good then why is everyone one down on you its not only people that are hurting from the problems we all are having in the united states do you honestly belive people are not hurting and jobs are lost vander bilt one day you could lose your job and then who will be hurting then oo wait a mintue you get them big hugh bonus,s if you get people to pay them high bill witch you will never tell no one i know a bunch of people in st louis that are going to bring the news people in on you all. what american dream this is having to fight for your rights and your home

by Anonymous From Acworth, GA on May 27, 2009

MY HUSBAND BOUGHT A HOME FINANCE THRU THIS COMPANY BACK IN 1996. IT WAS A MISTAKE FROM THE GET GO,THE HOME WAS SET-UP WRONG AND WE TRIED FOR YEARS UNTIL 2002 TO HAVE THE PROBLEM SOLVED NO ONE WOULD HELP US. WE HAD BLUE MOLD IN OUR HOME. WE CALLED THE E.P.A. TO CHECK ON THE BLUE MOLD PROBLEM,THEIR ANSWER WAS TO MOVE OUT A QUICKLY AS WE COULD BECAUSE IT COULD CAUSE HEALTH PROBLEMS WHICH IT DID FOR OUR DAUGHTER WHO WAS JUST A BABY AT THE TIME AND SHE DEVELOPED ASTHMA ONCE WE MOVED OUT OF THE HOUSE SHE HAS HAD NO MORE ASTHMA ATTACKS THANKS TO THAT . I EVEN CALLED AND TOLD THEM THE PROBLEM AND THAT I WAS NOT GOING TO ,MAKE PAYMENT UNTIL THIS PROBLEM WAS SOLVED INSTEAD OF HELPING SOLVE THE PROBLEM THEY JUST CAME AND GOT THE HOME ALONG WITH 14 AZALEAS,MAGNOLIA TREE, PEACH AND APPLE TREES.AND IF THAT WAS NOT ENOUGH THEY ALSO TOOK THE FRONT PORCH THAT MY PARENTS BUILT FOR US BUT THEY LEFT THE ROOF. IF ANYONE HAS ANYTHING ON BLUE MOLD OR KNOW A LAWYER THAT HANDLES THIS PLEASE E-MAIL AT nacarnut@yahoo.com THANK YOU

by cw From Alcoa, TN on May 20, 2009

They are not a class act and I am ready to get my name on the list to Washington for some help and No I am not behind on my pymts but they still suck

by Anonymous From Alvarado, TX on May 18, 2009

by gilbert aguirrre From New Braunfels, TX on May 18, 2009

by Anonymous From Sweetwater, TN on May 17, 2009

FOR ????????? From Saint Louis, MO, you should read the laws before you write it on here, fcda (Fair collection debt Act) is for 3rd party, and collection agencies of which vanderbilt is neither, vanderbilt owns and collects their own loans and is not either a 3rd party or collection agency. They do have state laws to follow and calling you every day is well within the laws of the state. They can call each # they have 2 times a DAY and leave a message one time per number per day. They can call your work, references, neighbors, friends as long as they do not release info about your debt. They can ask them to give you a message to call them, but these people usually know you don't pay your bills and have caller id and can see the number. By law they cannot hide their id on the caller id so if they call a reference and they see vanderbilt that is not their fault. It is simple, if you do not want to be called, then pay your BILL ON TIME!!

by ????????? From Saint Louis, MO on May 07, 2009

hey people this is something every one should know when vanderbilt calls you and starts threatening you remind them of the (Fair collecion debt Act they have to follow the laws if they do,nt get ahold of washington dc theses people think they are above the law

by Jessie From Chattanooga, TN on May 06, 2009

this says it all right here for me BBB rating A+ http://knoxville.bbb.org/WWWRoot/Report.aspx?site=57&bbb=0533&firm=6560

by lisa ann From Birmingham, AL on May 06, 2009

They helped save my home

by Anonymous From Abernant, AL on May 06, 2009

by sam From Beverly Hills, CA on May 06, 2009

Love this place

by david From Bradenton, FL on May 06, 2009

Great people

by Anonymous From Sweetwater, TN on May 01, 2009

Now if you have looked at my last comments you see i have been trying to help the people on here. For example the one who did not understand why his payoff is so high. If you do not want called by these people it is real easy, pay your bills on time and they will not call you!! Also just because you do not have a late fee till 15th does not mean this is your due date and that you are not past due, if you are due then per your contract you are late on the 2nd. If you cant afford the house then you do not need to be in it, it is not Vanderbilt job to make so you can afford it now because you lost your job or hours are cut. I bet you credit cards and electric bill are all paid, but people do not care about their mortgages or their credit. A lot say the same thing, it is the economy, that is not an excuse.

by Anonymous From Sweetwater, TN on May 01, 2009

For ???? from saint louis, before you go typing stuff on here maybe you should get your story straight. It is not vanderbilt collections agency it is vanderbilt mortgage and finance. They loan and collect money as any other bank and do not work for others. The loans they call are the owns they own, some are ones they have bought from other banks (this is done everyday around the world) and some are their own. They are part of clayton mobile homes and are the finance co for them. Also let you know that they will foreclose on your home if you do not pay your bill is not a threat, They are letting you know the legal ramifications of what will happen if you do not pay your bill. Why do you think there is not any lawsuits, because they follow the laws, you say call dc, go ahead, tell them you did not pay your bill and vanderbilt called you.

by ?????? From Saint Louis, MO on April 29, 2009

also everyone do,not let vanderbilt fool you all they are is a collection agency they collect the money for city bank plus they lie to you all the time everyone needs to get a hold of washington dc on this matter with vanderbilt let washington dc hear all of this i agree with everyone we should get together and stop vanderbilt mortgage also when you are talking to Vanderbilt built make sure to tape recorded them that way when they threaten you then you will have it on tape

by ??? From Saint Louis, MO on April 29, 2009

i want to say to the person that said we all are whining on here let me tell you something you said the reps don't threaten you hah i have tape recorded you people making threats i know you work for vanderbilt and yes talk about a law suit yes there can be by you all threaten your customer you people at vanderbilt need to go back to class and teach your self to be more help full to people cause if it was,not for the people you all would,not have jobs would you vanderbilt i will let every one know not to ever deal with you all your crooks

by Anonymous From Sweetwater, TN on April 20, 2009

for JENNIFER BROWN, you need to find a phone and call them directly, use a pay phone if you have to its a 1 800 number (800-970-7250) and is free. The reps can not send emails outside the co due to 3rd party privacy laws. You need to contact co directly if you want help.

by JENNIFER BROWN From Moncks Corner, SC on April 20, 2009

WE HAVE TRIED SEVERAL TIMES CONTACTING VANDERBILT BY EMAIL CAUSE WE HAD NO PHONES.THEY WILL NOT ACCEPT EMAILS ONLY PHONE CALLS.WE HAVE TRIED ASKING THEM TO WORK WITH US,BUT THEY SAID IF WE DON'T HAVE THE MONEY THEY WILL FORECLOSE.I HAVE 3 KIDS AND NOWHERE ELSE TO GO,AND THEY HAVE ALREADY SENT US OUR DEFAULT LETTER.I WANT TO GET HELP,BUT NOT SURE WHERE TO GO OR WHO TO GET HELP FROM WITH OUR CREDIT HISTORY.

by Anonymous From Cascade, VA on April 19, 2009

The guy who handles our loan is very condescending. Also seems to be passive-aggressive. Tells us to go to a check cashing place to get the mortgage money, get an extra job (I already have one), or borrow from family members (impossible, my mom is 82 years old). When I called to tell him I would be late paying the mortgage, he berated me, saying he was disappointed in me!! He refuses to work with us at all, in any way. States that Vanderbilt does not do that! Also said when my husband asked him that Vanderbilt had foreclosed on about 400 homes a month since Jan. 2009! And these homes are not reselling, per Mike at Vanderbilt.

by Anonymous From Sweetwater, TN on April 14, 2009

this is for you by auburn, indiana From Auburn, IN on April 13, 2009 I assume looking at you numbers this is a 30 year loan, I would recomend going online and using a mortgage calculator with a amortization table. This will show you how much would go to principal and how much to interest. On yours with these numbers the firs year about 275 goes to interest and 15-17 principal 5th year 267 interest and 25-27 princiapal, by 10th year about 250 interest and 45 principal and principal amount will increase every year. These numbers are just using mortgage calculator online and after 10 year shows princial balance to be around 30,700 (I used even numbers). Most people do not realize that at beginning of a loan is almost all interest and not principal. An amortization table will show you exactly how much is paid to each as will your monthly statements. I hope this will help you

by garybutler From Columbia, KY on April 14, 2009

this is a bad place. i didnt wont them ,but the one i had sold out to them

by auburn, indiana From Auburn, IN on April 13, 2009

This company is really making a lot of money doing just what their doing....ripping people off. All it would take is people getting together from different states, gathering information and doing something about it. Most people don't even know where to start, because 31 their just so frustrated! I was young when and naive when I signed for my mobile home loan with Chase Manhattan. They were bought out by VBM and needless to say I have been paying to them for 10 years now and I have paid 4000.00 dollars on my principal. I bought this home for 34,000 in 1999. I have made my payments almost on time every month. I just requested a pay off amount.....30,954.00. I pay 305.00 monthly and I can pay it 2 weeks ahead and it doesn't make a difference in my amount being applied to the principle as they have said it would. I started keeping track each month on principle verses interest and it varies each month to the point it makes no sense. I have requested a rep....several reps to send me details on the loan interest rate and how it works. My contract states 9.75% They tell me they will send it and unless they keep sending it to the wrong address I don't seem to be getting it. I am not a person who wants my bills to just fade away. I signed the loan and I intend on paying it. I just wanted someone to explain to me why my principle amount doesn't seem to be going down at ALL!!!!

by Anonymous From Hendersonville, NC on April 11, 2009

by Anonymous From Sweetwater, TN on April 10, 2009

I love these people on here whining i couldn't pay my bill and they called and left messages and call neighbors and family when I did not call back. What do you expect, you don't pay they will call. As far as the one who says they call 1 day late and come to her house 2 days late i say liar. The past due accounts do not come into there computers to call until 10 days late and cannot put out chases until 30 days late (then usually takes another 10days before completed by field rep). Also people who say i am not late till 15th, that is incorrect, you are due on 1st and late on 2nd per your contract, you just don't get late fee till 16th. You are still late legally per contract on 2nd. Everybody has problems and it is still you responsibility to pay your bills. Don't whine you are 3 months behind and now they will not work with you, it is your own fault. Also reps do not get any bonuses for how you pay (for the money gram person on here). That is required if over 30 days past due or check by phone. For the people who say they hope theses economic time shut down this co. sorry to disappoint you but they are making good profits right now and do not have a lot of repossess due to how much they are working with the customer to save the home. The reps actually get bonuses for meeting repossess goals for staying under a certain amount. So they do not want to repossess homes or they lose money. As far as threats and abuse i highly doubt it since all calls are recorded and then are graded and reviewed with rep for customer service. If the rep is rude or breaks any laws they can be fired right then. For butterfly and anybody else, if they foreclose (or repossess) on your home and sell it for less than you owe you are legally responsible for the rest and they can sue, garnish wages or put liens on other items depending on your state. You are still responsible for any balance plus att fees, repossess cost.

by D. Griffin From Copperas Cove, TX on April 08, 2009

This company walks all over the law. They make threats that they have no right whatsoever to make. Threats about things that they have NO control over. I have paid additional principle on every payment I have made on my home (almost 12 years now) they can not show me that ANY of it was applied. My home insurance is renewed each and every year and my insurance company forwards the policy to Vanderbilt, yet each and every year they say I have no insurance and try to force me to buy insurance from their company ... even applying my loan payments to their insurance premiums and listing my account as past due. Today my new policy for the year took affect...Vanderbuilt was on the phone this morning telling lie after lie ...they stated my insurance company had forwarded them a cancellation notice and I was required by law to purchase insurance through them. I immediately contacted my insurance company and verified that my policy was renewed and paid...they again immediately faxed the copy of the new policy to Vanderbuilt....but they still claim it is not valid and I have 24 hours to purchase their insurance or they will force it into effect. My payment as per my original contract was due on the 15th of each month....Vanderbuilt demands payment on the 1st and threatens and harrasses when it is paid on time on the 15th. I send everything to them via certified mail that they must sign for because they always claim they did not receive things ... even checks that have cleared my bank. I have years of documentation .... payment that they claim to have received 6 months after the check cleared my bank - hum - just how can that be possible? They sent a man out to my home yesterday to photograph it for their forclosure listing ... he opened a gate let out an expensive horse and endangered his life, threatened my wife and my grandsons... and my payments have been made. Vanderbuilt has sent my payments back because I have sent the certified mail...they want payments made by moneygram. Do NOT pay them that way...keep your cancelled checks to prove your payments were made...you WILL need them years into your mortgage when they know you can no longer verify moneygram payments. I have been told the employees get bonus pay for getting you to make moneygram payments for that very reason ... they know they can collect that payment from you again on down the line. My wife is not on the loan ... we were not married when I purchased the home, yet they have called her employer enough to result in the loss of her job...and by the way, all the payments have been made. If you have ever requested a payment history from them you know what a huge joke their account system is. My so called payment history did not correspond with my documentation at all. All my cancelled checks and certified mail receipts ... yet they insist they are right. Now what I want to know is where is the law standing on the actions of Vanderbuilt? What about the fair debt collection practices act? Where can we get some representation - as a whole? Let's talk class action suit and NOW> It is a violation of the fair debt collection practices act to disclose to any person other than the debtor an amount owed...yet they have discussed my loan with neighbors, bankers and they have handed out my social security number as well as my banking information. They have come on my property attempting to rekey locks on my home....no notice of default has been sent (there is no defualt) and they have not gone through any leagal steps to repossession or forclosure ... HOW do they get away with this? Let's ban together and get something done about the way they are doing business. Please everyone write to your State senators and representatives and why not to our newly elected president...let's reach out and get SOMEONE to listen. Let's get organized by state and take action against Vanderbuilt. If we do not take a stand they will continue to rip us off and I know I can't afford any more in this economy. If you are truly interested in taking a stand and trying for a class action suit please let's create a yahoo group that we can use to get organised. Please post here if you agree.

by janice little From Frenchburg, KY on April 07, 2009

this co is the worst that i have ever dealt with and i hope that someone can do something with this co because i dont know how

by Anonymous From Conway, SC on April 06, 2009

The harassing phone calls are so mean, they have no compassion for folks, they would rather see people living in the streets than to help someone out. so so sad.

by yalanda preston From Charleston, SC on April 04, 2009

I most certainly agree with the comments written from the home owners. If there is any way that I could get out of this loan from Vanderbilt, I would give my life. I will never in this lifetime deal with these people again. They have no compassion as to what happens in people lives can be very well e tragic. I will never recommend any of my friends nor family members to deal with this company. they are very rude and doesn't care what you could be going through. I have even tried to negotiate with them one time and they just simply would not hear of it. I have had many sleepless nights behind this company and their harassment. Wondering if my children and I will have a roof over our head. They simply don't care. I even try to stay in touch to let them know what is going on and I may be late..what does that matter, they can care less. I became financially deeply in debt and had to go through all my family members to get help because of their threats. It's really stressful to me being a single mother. People fall on hard times and I think that someone would care especially these days and time. I can really say that I truly hate how they conduct business. I will say it again..I WILL NEVER EVER IN THIS LIFETIME DEAL WITH THIS COMPANY....EVER.

by Sandra Goins From Pinehurst, NC on April 03, 2009

by Patricia From McKee, KY on April 02, 2009

I know three people where I live that VMF has taken advantage of as well. Will not work with them, constantly harrass them, and try and make them feel like they are the lowest on the totem pole in the good ole U.S. of A. I have read most all these posts and want to say to everyone else that has been taken by this company in the past, present, and future, that sin will not stand for long. To Vanderbilt Mortgage, there's pleasure in sin for only a season according to the Bible. You are just fulfilling what the Bible has to say about the end days. One day Jesus will be coming back to claim his people, and if you don't change your ways, you won't be included. The love of money is the root of all evil and the rich man did lift his eyes up in hell. There is a Heaven and a hell. Don't let greed take you to the latter. Nothing is worth losing your soul over. "Vengeance is mine saith the Lord and I will repay." I serve a God that cannot lie, and he will hold to his promises. To all of those that have been taken advantage of by this company, keep fighting the good fight of faith. Put it in God's hands and pray for those that have wronged you. Pray not for vengeance, but for their soul's to be saved and God's will to be done before it's everlasting too late.

by Tamatha Hughes From Oxford, NC on April 02, 2009

by Hernandez98 From Luling, TX on April 02, 2009

I HAVE HAD MY HOME FOR 5YRS IN APRIL WHEN I PURCHASED THE HOUSE MY INSURANCE WAS PUT IN WITH THE PAYMENTS FOR 5YRS AND APRIL 7 I START PAYING FOR INSURANCE BUT I HAVE AN ESCROW FOR MY TAXES AND THEY KEEP GOING UP I ASKED WHY AND VANDERBUILT TOLD ME BECAUSE MY HOME INSURANCE I CALLED LUV HOMES IN SEGUIN WHERE I BOUGHT THE HOME AND THEY TOLD WANDA THE REP. THE SAME THING SO, THEN THEY SAID MY TAXES WENT UP BUT MY HOUSE IS LOSING VALUE NOT GAINING SO, THAT WAS THE FIRST WARNING SIGN NEXT, I RESEVED A CERTIFIED LETTER FROM MY TAX APPRAISEL SAY THAT IF I DIDN'T PAY MY BACK PROPERTY TAX FROM THE PAST 3YRS THEY WERE GOING TO SEIZE MY HOUSE & LAND WHICH MY LAND IS MINE. SO, I MADE ARRANGMENTS WITH THEM TO PAY BACK TAXES. SO, I CALLED VANDERBILT AND THEY TRIED EVERY EXCUSE BUT, IAM LOOKING FOR AN ATTORNEY I AM SICK OF VANDERBILT HARRASSING ME AND THEY HAVE ALSO CALLED MY NEIGHBORS AND TOLD THEM THAT I WAS BEHIND ON PAYMENTS. PLEASE SOMEONE FIGURE OUT HOW WE CAN SUE THESE A**HOLES. CONTACT ME @ KEKE2498@HOTMAIL.COM ANYTIME ABOUT THE SORRY PEOPLE

by angela benjamin From Greenwood, SC on March 23, 2009

by Anonymous From White Pine, TN on March 16, 2009

by Trish From Cleveland, SC on March 15, 2009

We lost our jobs in 2000 and almost lost our home. Vanderbilt was horrible, did not work with us at all. I just found out by looking on line that we are being charged 11.11% interest rate, but my contract says 10.45%, so those people who blame us people for being human and having some difficulties, realize that Vanderbilt Mortgage are cheats. I have contacted them to correct and refund, but no response, I am obtaining an attorney. They also, found my neighbors phone numbers on google and told them I was behind on my mortgage and they were going to foreclose. I had one week before my mortgage was due, they are scum. I hope their is some leagal action. I will keep you all posted.

by Anonymous From Bridgeville, DE on March 14, 2009

they are very uncaring, and unprofessional. I leave messages letting them know my situation and they call my home and tell me not to leave anymore messages on their phone after hours. I need to speak to them during their office hours. Now i think that is stupid. I am leaving a message telling you the situation and when i can send a payment and you leave a rude message like that. My rep taylor birmingham is very unprofessional. I have had 3 reps in 10 yrs with them and they all are crap.

by robert c bowles From Vinton, OH on March 13, 2009

All these people are right they are rude and nasty people to deal with they think they are GOD!!!I wish all of us had someone that would help us with these idiots. I hope they are the next company that goes under and all of their employees get a taste of there own medicine. GREED THE MOST powerful THING IN THE WORLD EVEN MORE powerful THAN GOD!!! THEY WILL GET THERES IN TIME. I WILL JOIN A LAWSUIT AGAINST THESE IDIOTS 740-388-0055

by sandy42345 From Pikeville, TN on March 12, 2009

Vanderbilt is THE worst company to deal with. Just today i have obtained an attorney. I record all conversations with them. They have violated so many federal laws, it's a shame. They are welfare trash. I found our all my legal rights, now they can KIss my A**. Brittany from vanderbilt is a liar. watch out for her. I'm going after her job.

by Michael Goodwin From McDonald, TN on March 11, 2009

by Anonymous From Ridgeway, SC on March 10, 2009

KYLE!! You are ABSOLUTELY a Vanderbilt Mortgage employee. You must be sucking up for the employee of the month award. Obvious you do NOT a clue what Corporate America has done to families.Vanderbilt needs to be viewed by President Obama. This organization is part of wht the CHANGE is all about. Excuse me for signing off, need to find a big box to live in. 7 years with a perfect record with Vanderbilt and they just will not help..

by Anonymous From Lebanon, MO on March 09, 2009

They are harassing me and my husband 10 to 15 times a day by phone. I realize I am behind but they still call. I have asked for them not to call, but they tell me that they don't care if I eat or have toilet paper, they want there money today. They are very rude. They have come to the house and sit in the driveway for hours waiting for someone to come home, when my son came home and asked them to leave they went across the road and sat and waited. He called the Sheriff to come out. It is harassment for sure. I would be willing to join a lawsuit against them if someone would go along.

by Anonymous From Athens, TN on March 07, 2009

This is very simple, you signed a contract to pay so much for so long. Now that home value have went down you want to cry and get everything lowered. It is a waste of our tax money to bail people out of their mortgage that they can not pay, what is this teaching our kids about responsibility? First vanderbilt does not refinance loans of any kind (has nothing to do with you being past due or not), 2nd they are under no obligation to reduce interest, principal or payments. Obana releases statement to help consumers by getting a mod as low as 2% and everybody calls wanting it, you ask why and they are just wanting a lower rate, waste of tax money. If you do not want vanderbilt to call you, your family or work pay your bills ontime. I lost my job and just now got to work, i was out for 6 motnhs (almost exactly) and never was late on any of my bills.

by kathy smith From Morganton, NC on March 06, 2009

They are not willing to help us on our loan

by Anonymous From Fredonia, KS on March 05, 2009

Want to let people know that in these hard economic times, my parents struggle to keep up with their payments. All though they are making their payments on time, they have little over $20.00 dollars a month for extras. Might I mention they get a whole, "16.00" a month for food stamps. In desperation they have called and tried to get Vanderbilt to help but, to no avail, it was a waste of time like most of you that have wrote. BBB needs to do something about this business. And as for you, KYLE, karmas a bitch! May it be steadfast for you!!!!

by Clinton Hunt From Wildomar, CA on March 05, 2009

My interest rate is 8.75%. My payment is being made, but I have no money left over for groceries and other houshold items. I have asked them to just to lower my interest rate and they refused to accomodate my request. They are rude and said as long as I make my payment they do not care. This company is one of Warren Buffet's companies,isn't he an advisor for Mr. Obama? I thougt he was supposed to be helping the United states. This company is running on greed and they are the reason we are in the financial mess we are.

by Peggy Pertuset From West Portsmouth, OH on March 03, 2009

First fo all, this is for KYLE LEMMONS - You are an exceptional ***hole regarding your response. Don't judge until YOU have walked in someone elses shoes, Bud! If someone is laid off or loses their job, it's due to the economy, which no one can control. No one wants to labeled as a cry-baby, and you should be ashamed. My husband got laid off in October 2008, not of his own doing - just economic conditions. Vanderbilt has harrassed me at my workplace and I let them know in no uncertian terms, just because i"m (1) day late, does not mean I will default. No one has any compassion anymore unless they have experienced your situation. P.S. By the way, KYLE, do you by any chance work for a finance company?!!!!! Peggy Pertuset

by Anonymous From Owens Cross Roads, AL on February 27, 2009

We have been lucky and have never missed a payment or even been a day late since we purchased our home from them. Unfortunatly with the economy the way it is, we called to see if there was any way possible to refinance to get our payments on a monthly basis instead of biweekly. My husband asked for someone to call us back and let us know. That was six months ago and we still have not heard from them. We called three or four times about this. Now, we called again last month because we had a screwup with our bank and we wanted to notify them that we would be mailing in our payment. Needless to say, we received 4 phone calls a day until they recieved our payment, which was mailed in plenty of time. But we still have not been contacted about refinancing, not that it would do any good. I am wondering too about the class action suit to do with the tires and axles, haven't heard anything else about that. Also, we have had the same problem with our payment going up every year for the last 5 years. Says because of insurance, but looks fishy to me since Vanderbilt also handles the insurance policies. Beware if you have this insurance, we had a small fire the day before thanksgiving, due to faulty wiring with the fireplace, the insurance company was closed and it took us about 5 days to get a hold of anyone. I can't imagine what would have happened if it had been burned down completely. We would have been out in the cold until they all decided to show back up at work. There is no 24 hour number so I recommend getting your own insurance for sure. If you are struggling to make your payments, I feel for you because these are the rudest, nastiest people I've ever done business with and they will not work with you in any way.

by Right Wing From Knoxville, TN on February 19, 2009

You are all a big bunch of cry babies who won't pay your bills and want to blame somebody else for it. I bet every one of you have a car/truck paymnet that is more than your house payment. Go take some finance and budget courses !!!!

by Kyle Lemons From Montague, TX on February 18, 2009

My husband lost his job in the oilfield in November of 2008 and is currently working as a mechanic at Ray's Used Equipment in Nocona Tx. He went from making 2400 every two weeks to 400 every week. We have been trying to make it as best as possible, but our current lender will not work with us on our current situation. We are currently 1700 behind on our morgtage and they said we are going to go into legal default. We are trying our best to keep what we have left, but Vanderbilt Mortgage doesn't wish to help in ANY way. Our Payments are on a bi-weekly basis of 440.06 and they said they could switch us to a 30 yr loan with monthly payments, but our payment would be approximately 900.00 a month which doesn't help at all. We have tried to consult with our lender to lower the interest rate/payment and he said there is no way he could help.

by annoyanmus From Crab Orchard, TN on February 17, 2009

they are the rudes people in the world i will not ever do bunisess with them again

by Anonymous From Beaufort, SC on February 16, 2009

by Betty From Kershaw, SC on February 15, 2009

I know why some of you are going through what you all are going through. I have all the information on this company for as how they raise you all payments and you don't know nothing about it. I saved all this information and if any of you want this information I can email it to you and you can take it to your attorney and this book is 1-172 pages and it is how Vanderbilt Mortgage@ Finance tell how they do they loan process to how many days you are supposly given before the eviction process start well foreclosure rather. This information was God sent I was in the process myself of getting a home loan with this company. Until I came across this website thank God. I don't want a home with this company I will continue to save my down payment and get me a home through the credit union or Bank a real house anyway. If any of you want this is information just email me at betty.mingo@us.army.mil and I will send the information in an attachment.

by MBB From Madison, NC on February 14, 2009

I've caught them red handed in lies. They are rude to me when they call. Avoid them !

by Anonymous From Tucson, AZ on February 12, 2009

Vanderbilt Mortgage has been annoying, I do understand they need to do their job, which includes constantly contacting the buyer every other day.

by Ralph From Wake Forest, NC on February 02, 2009

I lost my job and needed help making ends meet until I got a job. I didn't wait till I was behind to do something. It appears that many of the people weren't proactive. Once you are behind three months, the loan is going to collections. They worked with me because I took action prior to allowing the process to proceed to collections. If you check out any mortgage company, they are going to have complaints just like VM does. Just my take.

by Holly Dugas From Broussard, LA on January 30, 2009

you cannot speak to the same person about loans and you also get different story from a different person when you speak to them,it like you need a lawyer of a professional person to talk to them.

by Anonymous From Rogers, TX on January 28, 2009

they r pityful excuses for people.with the economy the way it is,i hope that this is one company that fails. they lie and change their minds more than any others i have ever dealt with.

by Anonymous From Lawrenceburg, TN on January 27, 2009

Look at your statement closely. My principle balance has not changed even a penny, but in the column that shows how each payment is distributed it shows some of my payment going on the princ. They are crooks.

by amy garner From Monroe, NC on January 26, 2009

they call me 3 or 4 times a day my husbands work is slow and we are 3 mos behind and we send in partial payments when he does get work and the keep threating to forclose on me. we are trying our best. they say they are not excepting partial payments anymore and the are telling me they want us out in 30 days. what can we do wait and file bankrupcy or what? please help.

by vanessa gillispie From Harts, WV on January 24, 2009

because they refuse to work with customers basically call you liars that you've asked for help deny your req for workout plans i would be 100% certain if the economy doesnt shut them down because of all the houses they will be sitting on for repos, there will be class action lawsuit for privacy etc i can't wait i hope our new president isn't dumb enough to bail them out too no one is bailing me out

by Anonymous From Baxter, TN on January 24, 2009

by Delmar From Birmingham, AL on January 21, 2009

Vanderbilt Mortgage is the worst company to do business with. Theywon't negotiate if something happens to you medically or you fall behind on the payments. I have noticed alot of postings on them. I would like to know what they do with all these repos they get back. I guess they sale them and sale them until they come apart like any vehicle. Most companies aren't that way but I waould be amazed to here their repo figures. I am checking with our State to see if they have statistics. Buyer Beware. To me this company should have been on the top of the mortgage fraud to the poor and working class in America. Is sad.

by James Sheffield From Crossville, TN on January 17, 2009

by vanessa gillispie From Harts, WV on January 08, 2009

i have had y couse financed thru this bank since 05 my husband left me and since that time i have made but struggled to make payments, no they will not work with me either,tell me there aren't any no interest paymnets and loan modification is out of the question i only financed 10 years heck they would actually make more money but apparently the just don't believe in helping their customers i would never never recommend this company to anyone else they and yes i'm going to the wv attorney general too these companies should not be allowed to treat us like dirt or less than human beings i'm sure they are just trying to do their job but what if things were switched and they were having problems times are changing that could come sooner than later

by mom6 From Roswell, NM on December 30, 2008

I think that most of all yall are ignorant....I have been in litigation with vanderbilt for 3 years...I am currently at the appeals process with them, fight fire with fire people, not sob stories cuz we all have them...they have raised my payments over a period of five years with no documentation or otherwise, I said take it, and so now fighting and fighting, it doesn't always take a sob story...only a fighter...cmon people go to the appropriate state and federal entities file the somewhat useless complaints, get case numbers, keep track, eventually they will be put in the position to answer to everyone that they have wronged. Be brave and not belittle the other people who have legitimate complaints against this company...

by Anonymous From Harned, KY on December 20, 2008

I argee with eveyone above. I only had my place for about 4 months and they would not work with me at all. i got screwed back . There was a lady above me had gotten her trailer before me about 2 months. She had lost her place two. i dont understand why her place was just 1,000 more then me and she had a 4 bedroom 2 full bath doublewide and mine was only 3 bedroom and 2 full bath . and like i said hers was just 1,000 more then me. and on top of that the i was in was be remobled but it wasnt .The wiring in it didnt work half of the time by the kitchen widow licked so bad the ceiling was starting to bow down some.I had called to talk about the payments i was behide. They had told me if had not came up with the money in 3 days that was going to send a sheriff out to the place and put me out. And if i had came up with payment one day after that WASN'T going to take it.There needs something done with place there taking everything and don't care.The harassing and don't let anyone try or try to work with us. They dont care if people had lost there jobs or layed off or anything .There just many money.

by Dab From Birmingham, AL on December 18, 2008

Waht you have said is the truth and judging from the number of complaints on them I would have to say that most of these people giving you a hard time work or have an interest in them Clayton etc. Believe me and I know the complaints filed against this company are huge.

by Tamara Parker From Warne, NC on December 16, 2008

By far the worst company I have ever had to deal with in my entire life. My great aunt and uncle were the homeowners but both passed away without leaving a will. To prevent loss of the home I took over the payments. There was a one month gap between the death of my great aunt and the time when we moved in. I have tried to make up the loan, but haven't been able too. The loan amount has continual increased from the $602.00 to now almost $668.00. When I requested that they consider a forbearance, I was told that she had never heard of a forbearance. When I spoke with a forclosure prevention counselor they said that any legit mortgage company will offer you a forbearance. These people are ridiculous. I hope this house sits here and rots before they can sell it and they lose every last penny,

by karen From Mooresboro, NC on December 16, 2008

What's the deal with thirty days? We were short by $12 last month so it didn't go in on the date it was scheduled (by the way, I am still not sure why it was $12 short, as far as I know my payments have not increased since May and I paid the same amount that we always pay). Understood taht, had every intention of paying on time this month because we have not ever been really late before, a few days at most until last month they said it would not post till we paid the remaining amount, but my grandfather passed away unexpectedly a few days ago and my husband missed work. When you live paycheck to paycheck like we do, that hurts and the payment was not made Friday. It's going in this Friday, 34 days after the original due date. Yesterday as I walked in the door, the phone was ringing. By the time I sat my stuff down, my husband was calling and my cell phone was ringing. We had both gotten messages from Vanderbilt saying that we were to return their call immediatly, they had left numerous messages but not been able to speak with us and it was an urgent matter. They called all three numbers in a five minute period and that's it. We did not have a chance to call them back before that message, and after checking the machine and our cell phones, there had been no other calls from them.We have been with them 8 years, and have ALWAYS paid, so I don't understand why they were being so nasty. I didn't want my grandpa to die and my husband to miss work. I'm a nursing student, his income is all we have right now until I am finished in May, so we both know how important it is for him to work-we have kids! I wish someone would give them a heart for Christmas. And I wish I knew what happened with the lawsuit that was filed, we were told we would get a settlement from it!

by Anonymous From Middleburg, FL on December 14, 2008

My daughter ran up a huge phone bill which I have automatic drafted each month and I didn't know how much it was until they took it out of my account so I called Vanderbilt and informed them that the automatic draft to them would not go through. I was informed that the call would be rcorded, as usual,Then they informed me that there was nothing they could do , that it would be run through reguardless and I would have to pay by quick collect by a certain date. I then informed them that I would have to wait until the next due payment and double the payment. The Vanderbilt employee agreed to the date and told me she would make note of it in their system. Then a week later a get a nasty call from a vanderbilt representative telling me she didn't know what i thought i was trying to pull by not sticking to the agreement that was madeand when I asked to speek to a supervisor she informed me that she was the supervisor and proceeded to threaten me with foreclosure if the payment wasn't sent within two business days and when i told her of the prior conversation with the other employee she informed me that there was no such note made on the account. I responded by telling her to pull the taped conversation and listen to it and she stated that she would not. I told her that they were all crooks and didn't stick by the arrangements they make with people and she stated "so, you didn't hold up your end of the contract when the payment didn't go through". and they keep insisting that I owe them a payment from two years ago. I asked them to send me a copy of all transactions on my account and six months of requesting this i finally received the paperwork, or at least i think I did, i don't even think they would be able to tell me what the heck all the nonsense on the paperwork means. I cant understand it at all. None of it

by Demetrice Watkins From Maxton, NC on December 12, 2008

by ollie scarim From Farmington, MO on December 07, 2008

listen up everybody turn all this over to the attorny genreal in your staes also call your tv new and open the doors on vanderbilt i have already turn them into the attorny genreal office and plus now to the tv news i have asked them to send me a paper showing all my payments for a year like a month ago and they have,nt send nothing. your right they are nothing but liars witch i plan to go to washington on this this company needs to be closed down. also i thought you had to sign a contract with vanderbilt witch i never did they refuse to go by the one you signed when you first gotr the home threw oakwood. the attorny genreal in missouri has ton of complaints coming in on vanderbilt so turn it in to your attorny genreal office in your state

by Anonymous From Antioch, TN on December 04, 2008

Why can't you people learn to spell, or at least run a spell check before posting?

by Anonymous From Connellsville, PA on December 03, 2008

to the lady who commented on the fact that shes a single mother works a bunch of jobs blah blah! why did we buy the house? quit smoking? well for many of us we did not choose vanderbilt mortgage they chose us!! had i known when I bought my home a year later my loan would be sold to them evil retards I would have never bought it..I ahd no problems with my orginal lender..

by Anonymous From Connellsville, PA on December 03, 2008

here's another one!! I once had a rep from their company argue with me about how much I paid for kids diapers..and to all of you you are threatened by big bad vanderbilt check your state laws! they put me in foreclosure and I went to my local assisstance office to get help well well pennslvania state law is they must send you an ACT 91 a default notice is not an ACT 91 when I called there company repeatedly to have them mail me my ACT 91 so I could get the help I need I was told over and over "we don't know what you are talking about? I am a christian and don't believe in suing people but these people need sued and walk up call.. I fully understand they have a job to do but what is their job description? be rude, argue to no point, remember your customers are liars and you are better than them..make them cry.. and worry.. and feel bad..If thats the case they deserve a raise cause they are real good at it!!

by Anonymous From Connellsville, PA on December 03, 2008

to the person who commented "if your late" blah blah pay your bills on time..my contract states I have a 15 day grace period with no late fees but at 9 oclock the day after my payment is due they are blowing up my phone oh!! by the second day they show up to my house in person..My husband is in iraq right now and their "manager" told me to get off my lazy ass and get a job!! yea she did!!well news flash for them it is a federal law while my husband is depoyed they can not take my home..they better start kissing my ass or they wont see a dime out of me ever again!! they can come take the junk!!

by WANDA JERIDEAU From Green Pond, SC on November 29, 2008

VERBAL THREATS TO MY CHILDREN OVER THE PHONE NASTY CUS'S

by WANDA JERIDEAU From Green Pond, SC on November 29, 2008

VERBAL THREATS TO MY CHILDREN OVER THE PHONE NASTY CUS'S

by Anonymous From Honea Path, SC on November 26, 2008

I have been a customer of VMC for 10 years. My payments are auto draft every 2 weeks and in those 10 years I have a perfect payment history. I have found myself in a pickle for this payment that is now due, so I called to ask them to give me 2 weeks and I will make both payments. Now, tell me if this sounds stupid or not... they can't stop the draft because you have called and told them the money would not be there or else you can never be put back on the bank draft again, but they can try to draft the money, let it be returned for insufficient funds and you can send a Western Union quick collect to get payment caught back up and still be on draft. They would not work with me whatsoever, told me to call power, water so, church, family, etc, but they wouldn't give me 2 weeks to pay the payment. I called and talked to 2 different people same response from both of them. I was so mad, I ended up hanging up on both of them. So I just called my bank and had a stop payment on the draft. Wonder if I can go back on draft in 2 weeks when I send the quick collect. These are the most rude and unhelpful people I have ever dealt with. You can believe, I will start pumping money to my principle and get these people paid off in record time.

by tonya eldred From Stratford, OK on November 24, 2008

by Anonymous From Fort Walton Beach, FL on November 20, 2008

They call on the 8th of every month even though it is noted that I don't get paid until the 15th of the month which is fine they are only doing their jobs. However, I have had some hard times for the past 3 months and the daily phone calls are very stressful. My phone is about to be disconnected so what then will they come to my home everyday? My business has picked back up but by the time I can pay they will have put me through hell. I am only trying to hold on to my property. The home is crap the roof leaks, the walls are falling apart and I can't afford to run the a/c or heat because the duct work is not properly install and my electric bill will be $700 to $900 a month. Nothing is sealed in this place not the floors the walls or the fire place. The garden tub is a passage way for possums and God only knows what I am very sorry I got involved with these people. Those sharks took advantage of our situation. We were paying $800 a month for rent so $600 a month for a place we would own seemed like a blessing. We had no idea we were dealing with the devil himself.

by JAQNICE COLEGROVE From Grand Saline, TX on November 19, 2008

by Penny Greene From Knoxville, TN on November 19, 2008

This company is very low-down and will diclose information to anyone. The employees there look at your credit reports and laugh to other people about them.There is an employee there at extension 2414 that left her job and went home and discussed my credit report with out my permission. I HAVE FILED A LAWSUIT!!!!

by Anonymous From Lancaster, PA on November 18, 2008

A coupleof weeks ago they phoned our house. The message was that we need to get an urgent message to our nieghbors to have them call. I refused to do that because 1.) we do not talk to those people,and 2.) why should we? It turns out that five different neighbors were called to convey this ungent message, which no one did. Why can't they send their own henchmen up here and do the dirty work themselves.

by Melissa Taylor From Gilbert, SC on November 15, 2008

by Renee From Princeton, TX on November 13, 2008

This site is run by Vanderbilt, they read it and laugh. this kind of behavior is one that closely associated with a Sociopath.

by Anonymous From Mocksville, NC on November 13, 2008

by Anonymous From New Castle, IN on November 12, 2008

Those people are unprofessional and mean spirited. The last thing that they will ever do is work with you. If you fall behind they will harass you beyond belief. In the past they have called my employer, my neighbors and my inlaws. Bankruptsy is less humiliating than trying to work something out with this company.

by jeremy willyard From Alva, OK on November 11, 2008

by helen paul From Valley Falls, NY on November 07, 2008

my husband lost his over time,and he is either going out on strike or loosing his job of 23 years altogether,i spoke to the supervisor about our payment she demanded that i pay that day and only that day told her i couldnt only had $43.00 in my accountand she promised me they would call everyday well guess what they called me personally 5-8 times aday and my husband the same plus called my home phone 5-8 times a day they are very rude peple i cant wait to sell my place so they stop

by A J HUERTA From Grand Prairie, TX on November 04, 2008

There is no question that this company is hard on its past due accounts. My sister-in law had major brain surgery and fell 1 month past due. She is barely aable to walk and spends most of the day bed ridden because of the medication. She is slowly getting better but has a way to go. She was sitting in the doctor's waiting room when she got a call from a Vanderbilt collector. The collector would not listen to her request to call back later. The collector would not have nothing other that a promise to send a payment immediately. My sister-in-law got very ill from the call. She kept on saying that she didn't want to loose her home. Over the next 2 days I was able to speak with Vanderbilt on her behalf with her presence on a speaker phone and was able to transfer some of her pre-paid principle to make the payment but only after I brought to their attention that she was not a deadbeat customer and that in fact she was trying to pay off the note in advance. I made it very clear that heavy handed collections while she was waiting to be seen by a doctor was uncalled for. As a former collector I learned that most people will tell the truth and do have good intentions when it comes to paying their debts, especially their homes. But after seeing the comments that are shown here, I believe that this company does have much to improve. They may look pretty on the outside but the do appear to a culture that is all too often the case when the numbers goals supercede common sense. I would not recommend doing business with this company if at all possible. Unfortunately, they are very well fixed in this industry.

by Anonymous From Gaffney, SC on November 04, 2008

They don't want to work with you even if you try and they also rude when you do try and talk to them and that makes it hard for you to work with them.

by bobby & lisa barrett From Lebanon, TN on November 03, 2008

this mortgage company rellay needs to be looked into on a more personal note. They have rude reps. that try and do talk down to you and no one knows how to return calls.

by claudia quiroz From Phoenix, AZ on November 03, 2008

I have filed for a loan modification and this bank refuses to help me.

by ollie From Farmington, MO on October 28, 2008

well to them 2 people from vanderbilt that says we should shut our mouths i think you need to learn i work in a call center to something like yours but we do,nt treat our customer bad i agree to all theses people on hear you need to learn the golden rule 1 day you will be the same way and your not god treating people like you do is wrong i do,nt see how you keep in bussiness also if there is a law suit let me know i will sign to i agree with everyone that has had to deal with theses evil people

by oliver scarim From Farmington, MO on October 28, 2008

by Anonymous From Baton Rouge, LA on October 25, 2008

This company has been a nightmare. I am/was handling the payments for an elderly neighbor. I called their company from my cell and the neighbor verbally authorized VMF to speak to me about the account. They now call and harass me on my cell phone almost every day. Since my first dealings with their company, the neighbor was hospitalized and has been placed in a care facility elsewhere. I have had very little contact with her. No matter how much I tell them that I have no information they insist on calling my cell each day, making threats and leaving their number demanding a return call. I called them to ask them to remove my number from their list and a man attempted to have dialogue with me about the status of the account telling me that his last contact with me was several months ago and that they needed payments. Im not sure which part of the proces is more retarded. What I have learned is that our Government is condoning all of this greed and then they bail out the people that cause the problems. There need to be laws in place to protect the consumer from companies like Vanderbilt Mortgage Finance.

by Meloney Jackson From Detroit, MI on October 25, 2008

by EUNICE WALKER From El Sobrante, CA on October 21, 2008

I feel that Mortgage holders should be able to negotiate interest rates, Vanderbilt is a Debt Collection Agency is what I was told and that they do not write loans.

by B. Summers From Claremore, OK on October 18, 2008

I am giving up my home, because they are ROYAL DOUCHE BAGS!!! Do not do business with them. They are RUDE and IGNORANT. What comes around goes around, and I hope they get it bad, all their nasty employees.

by Anonymous From Emmalena, KY on October 18, 2008

Rude, rude, rude. This company needs to be looked into very bad. They are associated with Warren Buffet, and probably why they are what they are. DO NOT DEAL WITH THIS COMPANY.

by Anonymous From Tunas, MO on October 17, 2008

They lied to us about everything. They said they would not raise our payments, and they raised them three times in five years. They said we could pay 10% and get our land back at anytime. When we decided to move they wouldn't let us sell the property even if we gave them all the money.

by Goddin From Wewahitchka, FL on October 15, 2008

Has anyone seen their website? Vanderbilt says that they work diligentlly with their clients to overcome any problem at hand!What planet are these people from? I've never been so humiliated and degrated in all of my life! Vanderbilt is by far the worst company I have ever encountered. The company should spend less time harrassing their clients and more time working on their public relation skills! Do as I have when you can't hold your tounge any longer- tell them to shit in one hand and want in the other and see which hand fills up faster!!!

by Anonymous From Monterey, TN on October 05, 2008

They are rude people. They are not people that want to help. I will not refer anyone to them.

by bibbles From Grantsboro, NC on October 03, 2008

I have vmf and have had absolutely no problems. I can call and let them know I will be late and they are pleasant and understaanding. of course usually I pay my mortgage months in advance that way i don't have any worries, but this month all those monthly paid ahead payments have been used. so I called told them the payment would be made and they were cool with it.

by S. Davis From Senatobia, MS on October 03, 2008

I agree with all the statements about Vanderbilt and wished I had known what type company they are. Please tell me how I can get involved with a lawsuit. I'm ready!!!!!!!!!

by Mary Davis From The Colony, TX on October 03, 2008

by Anonymous From Jasper, AL on October 01, 2008

I've had a mortgage with Vanderbilt for 8 yrs. I feel sorry for anyone who has a mortgage with this company. My payment was 8 days late, and I was threatened with foreclosure. I told them when the payment would be sent, told them to have a nice day and said goodbye. They called right back and started threatening me with an eviction that night. I don't know who taught their reps to lie, but I'm sure there is a special room in hell for these people. Please don't do business with this company, you'll regret it.

by james From Rudy, AR on September 30, 2008

be afraid,be VERY afraid....nuff said!

by Anonymous From Millington, TN on September 27, 2008

I was at a Clayton dealer today and they told me that they could get me financed with Vanderbilt. Thank god we didn't sign the final paperwork before we did the research. I am no longer interested in doing business with clayton or vanderbilt.

by Anonymous From Conover, NC on September 22, 2008

these people are sick, remember ,what goes around comes around , one day we will see the ceo on the news, asking the gov. to bail him out. he will see how it feels tohave your fate in some ones hands. waiting in nc to see you on the news.

by Rhonda Robinson From Brookfield, MO on September 22, 2008

They have continued to harrass me (even at work). I'm afraid I could lose my job. They have been condescending and not professional--very argumentative. I have been in tears for two years. I'm afraid I'll lose my home and have to find another place to live and I know that they won't allow me to have my dogs that I have become very attached too. These dogs are all I have. I have even contemplated taking my own life because of this because I am so depressed over it.

by Anonymous From Eufaula, AL on September 19, 2008

THIS IS A BAD COMPANY AND THEY ARE VERY RUDE . I HATE THE DAY I HEAR OF THEM . I WAS FINIANCED WITH OAKWOOD AND THESE RUDE PEOPLE BROUGHT THEM OUT BUT THEY WAS JUST AS BAD. I THINK WE ARE REALLY GETTING RIPPED OFF ON THE INSURANCE , WHEN YOU FILE A CLAIM THEY DONT PAY ENOUGH TO FIX NOTHING, THEY SAY IT COMES FROM AND AGING OF THE HOME . THAT JUST BULL...! I HATE THIS COMPANY SO BAD THEY ARE GOING TO GET WHAT COMING TO THEM . JUST WATCH!!! EVERYONE HERE IN ALABAMA IS LOSING THIER HOME WITH THEM. WHAT ARE THEY DOING WITH ALL THESE REPO??????????????SOME ONE NEED TO START A LAWSUIT NOW!!

by Betsy Watson From Pageland, SC on September 12, 2008

We bought our home in 1991 October. We bought brand new off the lot. We were supposed to get a 92 because we were at the end of the year,we were supposed to get garden tubs in both bathrooms and an overhead cabinet we paid extra for in the kitchen. Well,needless to say,we got a 1991 home regular tubs in baths and no cabinet but paid for it. I bitched for 3 years before I finally got my overhead cabinet but they didnt finish the end piece. It sits unfinished to this day. Was told with tubs "oh,well your saving water. That aint none of their business. And to all you people they are threating dont fall for it they used to call my job and home so much I was constantly in tears and worried about losing my home. I also had them come out and threaten every to padlock the house etc. They dont want their shit back. They know its junk. A man called me and said if we repo we will still get what you owe. I said come get the piece of shit you aint gettin nothing out o me he then said they would garnish my wages I said I dont work. then they said they would get it from what I own. I said good luck I will have everything in someone elses name. There are ways around these asshole people. Stand up do not let them overrun you.Let em take out papers they cant do nothing till court Cant take out papers till you three months behind. And if you send some money they cant even take out papers. If you have money by court date its dismissed or file chapter 13 bankruptcy. You get to keep the home and all back payments go to payments.Very affordable. I have done all these things. Get over on them a little.If you aint involved with them as of yet dont even consider them. We have since moved and our grown kids still live there but we moved in a 1986 Oakwood on this land we bought. This home is very well built. Everything is sturdy really good job I guess they were good at some point but the 1991 is literally falling apart.

by Kham From Sacramento, CA on September 04, 2008

My aunt has the mortgage with Vanderbuilt. She lost her job and she fall behind on her bill for a month. The second month Vanderbuilt send an representative to her house and take picture of the house. He demanded my aunt to call Vanderbuilt mortgage while he stand there and listen in my aunt's house. I aunt told be about the situation. I told my aunt that illegal for them to do that. I told my aunt next time they send rep to her house do not let them in the house put a bull dog and chase them out. They are rude and harrasing dogs. They told my aunt that she have 20 days and they will kick her out. I told my aunt if they don't have the court order they can not kick her out. I told my aunt to stay in the house until she see the court order notice. The 20 has past and 30 has past. She still stay in her house. This Vanderbuilt company has over 1000 complaints that I have see on the Internet. I am tire of reading them. I hope this company go down hill. I hear that they are file chapter 11. So if you behind on your payment don't let them harrasing you because they have no right. Be as rude as you can back to them. They are ashole company and people that work for them. Good Luck everyone!

by Kham From Sacramento, CA on September 04, 2008

My aunt has the mortgage with Vanderbuilt. She lost her job and she fall behind on her bill for a month. The second month Vanderbuilt send an representative to her house and take picture of the house. He demanded my aunt to call Vanderbuilt mortgage while he stand there and listen in my aunt's house. I aunt told be about the situation. I told my aunt that illegal for them to do that. I told my aunt next time they send rep to her house do not let them in the house put a bull dog and chase them out. They are rude and harrasing dogs. They told my aunt that she have 20 days and they will kick her out. I told my aunt if they don't have the court order they can not kick her out. I told my aunt to stay in the house until she see the court order notice. The 20 has past and 30 has past. She still stay in her house. This Vanderbuilt company has over 1000 complaints that I have see on the Internet. I am tire of reading them. I hope this company go down hill. I hear that they are file chapter 11. So if you behind on your payment don't let them harrasing you because they have no right. Be as rude as you can back to them. They are ashole company and people that work for them. Good Luck everyone!

by Anonymous From Lake Charles, LA on August 27, 2008

I agree with every single one of these comments.. they have the worst staff i have ever had to deal with...

by Thomas Coyne From Oklahoma City, OK on August 22, 2008

lost three money orders and never lifted a finger to help.

by Anonymous From Grand Rapids, MI on August 21, 2008

by Andy From Mount Clemens, MI on August 21, 2008

Everyone will love this one...the top advertiser for this site (Mobile Home Financing or refimymobile.com) is actually Vanderbilt offering refinances! Call the number if you don't believe me.

by goodguy From Cumberland Gap, TN on August 20, 2008

vanderbuilt mortgage is one of the worst there is they messed up i am trying to fix up my credit what they put on it didnt help none it made things worser for me

by sandra layne From Dickinson, TX on August 13, 2008

i tried to get on the website"mortgage.com" to try to look into being apart of the lawsuit, but you have to pay a lot to get on. you have to buy a subscription to the site. can anyone tell me how i can get to these people?

by Carolyn Murphy From Camden, SC on August 12, 2008

by Anonymous From Claremont, NC on August 08, 2008

VERY RUDE PEOPLE ,LETS YOU KNOW PEOPLE WILL DO ANYTHING FOR MONEY.DO THE EMPLOYEES THINK THE CEO GIVES ADAMN ABOUT THEM. NOT!!!!!! THE ASS----ARE JUST MAKING THEM RICH. THE BIG SHOTS KEEP THERE HANDS CLEAN.

by Anonymous From Leander, TX on August 06, 2008

Collection Harassment Class Action Two class action lawsuits have been filed against Vanderbilt Mortgage and Finance Inc. Among the abuse the plaintiffs allege were phone calls which were made as many as eight times a day, their attorney told MortgageDaily.com. A spokesman for Vanderbilt told MortgageDaily.com the charges were "unfounded." http://www.mortgagechronicle.com/home111706.asp

by Anonymous From Abilene, TX on August 06, 2008

After a decade of putting up with their legalized robbery and well practiced customer disservice, I dumped them. My only regret is that I didn't do it sooner. The next time you're looking at one of those pretty new Mobile Homes being financed by VMF take a good whiff of the underlying scent of formaldehyde underneath that pretty facade -- that's the scent of VMF pickling you and picking your pockets for years to come.

by Anonymous From Panama City, FL on August 06, 2008

by josephine From Maury City, TN on August 04, 2008

I have a loan with vanderbilt, when i first bought my mobile home it was with associates housing finance and then vanderbilt mortgage bought it probably 3 yrs ago and they r nothing like associates my payment had a grace period of 15 days and vanderbilt doesn't like if my payment is due July 15th, I always send them a payment by money gram on the 13th, or 14th, but I never pay a month behnind and i always let them know like on the 15 or 16 when my next payment will be and they will put it down then the next day or so they go with this calling, i have about 3500 to pay so when January comes i'm taking my taxes and be done with these rude people i have never and i mean never worked with a company that's so rude and advise anyone not to fool with these people!

by crystal odom From Reevesville, SC on July 28, 2008

by NA From Nickelsville, VA on July 25, 2008

They suck....

by Adrian From Muskogee, OK on July 21, 2008

Vanderbilt is the worst company ever. I am a christian and hardtimes and bad things do happen to good people and Vanderbilt does not care and yes there employees are very very rude but what goes around comes around. All Vanderbilt does is take your land, they do no type of negotiating to help anyone God bless us all who have gone thru this nightmare with vanderbilt but VENGENCE belongs to God may God lift all the burdens off of us victims of Vanderbilt may God bless Vanderbilt that they have a change of heart and help people in need if not may the wrath of God have mercy on Vanderbilt AMEN!!!!

by Anonymous From Chandler, AZ on July 19, 2008

They are always rude and pushy. They talk down to you when you are already having hard times. They keep telling us we can't make the payments we can afford. Within two months, we would have not only been on time with our payments, but we would have been early with the last one. They don't want to help at all, only keep tying our hands behind our backs. Now we are losing our home of 10 years and all they say is to ask churches etc for the money or find someplace else to live because the sheriff is going to escort us out.

by mad as #%^%$ From Pine Hill, AL on July 19, 2008

vanderbilt bought our mortgage from oakwood.I think they are evil,verbally abusive,and unhumane.This is for the office in birmingham al.Currently trying to find a lawyer who will sue their #@%$%!

by Anonymous From Lyles, TN on July 10, 2008

monthluy payment went from $438.00 to $608.00 in a 9 month period. I had a fixed rate. Vandy stated that insurance cost increased, which was a lie, but they own the insurance company tool. Lost my home. Run from this mortg. co.

by Anonymous From Moores Hill, IN on July 01, 2008

I have never dealt with them yet but I sent an email for information. I think I will not deal with them after reading the terrible things they do to people.

by Anonymous From Flagstaff, AZ on July 01, 2008

THIS IS EXACTLY WHAT HAPPENED TO US!! THEY WOULD NOT TAKE PARTIAL PAYMENTS AND I JUST IGNORED THEM BECAUSE THEY WERE A@@HOLES!!I TOLD THEM TO TAKE THEIR SH@%%Y HOME BACK AND STUFF IT....."I called and talked to a lady named Diane and set up a payment date for that following Tuesday to pay $1,200 of the $1,800 we were behind. Before that Tuesday came, another rep called, of course to inform us we were in default, and I told her that we had already scheduled to pay $1,200 that coming Tuesday. She refused and said we were $1,800 (don't remember exact amount) behind and that anything other than that exact amount was unacceptable. She said she could take my $1,200 but couldn't guarantee that it would be applied towards the delinquency and that we could still be facing foreclosure. So naturally, I wasn't going to go through with the $1,200 payment if it was a 50/50 chance. She basically told me to start looking elsewhere to live. I just couldn't understand as to why they were calling and harassing the hell out of us if 'payments weren't an option' anymore. They continued to call and I continued to ignore them. Who wants to answer the phone to reps on a power trip who want to verbally abuse and degrade them? Not me.. The rep had told me they were going to start foreclosing since I didn't have the exact amount that was past due. My hands were tied so I told her ok, whatever. The following week I got a certified letter that I didn't sign for because I wasn't about to make their foreclosing process easy. They continued to call and literally EVERY phone call was verbal abuse. We were told to get our 'asses out' and we were also told by a male rep that HE would physically remove us if he had to. About a month after I talked to the rep about offering the $1,200, a Sheriff served us papers stating that we had been sent a certified letter (the one I didn't sign for) that gave us 30 days to get the payments caught up or they would proceed with foreclosing. What the HELL?! The rep TOLD me that payments weren't an option weeks before that point, which was why I didn't sign for the damn letter!! So payments WERE an option but I was lied to. Simply put, I was set up to fail. Good job Vanderbilt assholes."

by sandra layne From Dickinson, TX on July 01, 2008

to james from mount pleaant,tx. can you please include me in any tawsuite or complant invalving vanderbilt.just let me know what i need to do.

by James From Mount Pleasant, TX on June 30, 2008

I am calling the Texas State Attorney General Office regarding the bad dealings that my family is going through with Vanderbilt. Enough complaints to the Attorney General's office will spark interest into an invertigation. Also this can possibly be a target by a Mortgage scam effort trying to make it look legit. They use unfair intimidation and verbal force to get people to pay. There are Texas laws in place to protect you and Morgtage companies like this can and are being fined. They take advantgage of your ignorance to martgage loans documents and once they have you over a barrelthey are in for your land which can be worth more then the home. Be careful and ask questions. If they won't answer or explain any parts of the paperwork, walk away. They are out to cheat you in one form or another

by Anonymous From Mount Pleasant, TX on June 30, 2008

by Steve From Birmingham, AL on June 27, 2008

I will pray for Mr. Clayton when he prays to god for all the hardworking people he has taken advantage of. I wonder if the democrats go into office if the mortgage industry will change its ways. I have dealt with Vanderbilt from customer service to collections and they are the most ruthless ompany I have ever had to deal with. Their customer service will tell you one thing and then their collections another. I am in my home current on payments but for real when will companies learn especially the struggling ones that Customer Service is number 1. Oh well. I have filed a complaint with the Federal website.

by wn From Burgaw, NC on June 26, 2008

The people there are very rude. We just had our mh sold about 2 months ago. We have had a time with them. At one time one of the head ladies told me to go out on the street and make some money. I have spoke with the president of the company and his assistance. Everyone needs to get a lawsuit going also maybe one for claytons Mobile Home since Vanderbilt owns them. Will keep watching. WN from NC

by Anonymous From Kenly, NC on June 25, 2008

after buying our mobilehome from vanderbilt fixed rate we were sent a notice they did'nt add insurance in our payment raised 100 extra we were lucky and found someone to buy it but lost our land because we used it for collateral it was paid for i hope there is a lawsuit i was talked to terrible to by this company and after i found a buyer they did;nt want to give info needed to but it.we are older and half to start all over.

by sandra layne From Dickinson, TX on June 20, 2008

i just got off the phone with Vanderbilt. i told them once again to come get the house. i'm not messing with these people any more, now..after telling me for years that they are going to take it....thay said if i dont pay they will garnish my wages.and she also said "we have ways of finding people"

by Anonymous From Jacksonville, FL on June 19, 2008

by Constance Williams From Deer Lodge, TN on June 19, 2008

after reading the comments of others, it is the same story as ours. They talk to you like your stupid and trash. I have been told to not pay my electric bill and others to send them money, go to church and beg for money to send to them,If there is a lawsuir against them we would gladly sign it.

by Melinda,TN From Newport, TN on June 17, 2008

I have had to deal with Vanderbuilt for nearly 13 years.I have had the same bad experiences as everyone else.There should be a law against the harrassing phone calls.I think they want you to fail.Someday they will reap what they sow.Hang in there.If a lawsuit comes about I need to know where to sign up.

by sandra layne From Dickinson, TX on June 13, 2008

i sent may comment before i read everyone elses. i would just like to say i am shocked to see so many people have been going through the same things i have goen through for the last 6 years. there is atleast one thing in every story that matches mine, and for those of you that have not had to endure the worst of vandrbilt, i am happy for you. no one should ever have to feel the way these people make you feel.brandy from columbie,mo. said just becouse i live in a moble home does not make me trash. I AM NOT AND NEVER WILL BE TRACH.just a hard working person trying to make it on my owen. thank you all for not having to go through this alone and for giving me some place to vent, becouse lord knows vanderbilt wont lison.

by Tanya Beatty From Rose Hill, NC on June 13, 2008

by sandra layne From Dickinson, TX on June 12, 2008

i woudl also like to know how to sign up for the lawsuit.

by sandra layne From Dickinson, TX on June 12, 2008

4 years ago i owed 2300.00.last month i owed 2600.00. you doent even have to know how to add to know this is wrong.and paig is the worst purson i have ever had to deal with.she always get really bad when i need help the most.i have given up, thay can have it back.

by Anonymous From Farmington, NM on June 11, 2008

to all the vanderbilt employees that harass people in time of great need go to that place you fear and put all yuor heads where the sun does not shine I paid $64800 but they still want more I hope the ceo of this company see because you suck

by gayle clah From Farmington, NM on June 11, 2008

by Anonymous From Irwin, PA on June 10, 2008

by Anonymous From Wichita, KS on June 07, 2008

These guys suck. Period.

by happytoleaveinlouisiana From Ponchatoula, LA on June 05, 2008

Vanderbilt has been a nightmare. My husband and I have been in the mobile home for 6 years. He has recently lost his job and we were two months behind. "Robin" called saturday morning at 9 am to tell me that unless I paid that day they would repossess. After a hysterical search, my mom was ready to pay for me and called Robin to pay. She had left for the day, at 11 am. She told me that morning that she could not wait until monday, it had to be that day. So on Monday my husband and I found a huge house 150 miles away and we are moving next week. Big surprise now Vanderbilt keeps calling me to say that they can now accept our money. Sorry Vanderbilt, I have had enough. We are moving. They can have this sh**y home. Like the others here payoff is still 30,000 dollars after 36,000 already paid. I have never delt with any company that has been this nasty over the phone. I work in the accounting industry and have done collections. I am disgusted with how this company does business. These people have called my home, cell phone to leave ugly messages. I have had hang up calls from these people. They have called me and HUNG UP when I answered. I will always warn people about this company and never do business with them again. Where do I sign up for that law suit?

by sorita dunnell From Perry, FL on June 02, 2008

by Mike From Georgetown, SC on June 01, 2008

I'm was two month behind My 31 2008 I sent a payment Western Union that same mring before I got a message from the company telling me to give them a call before noon it will be in my best interest I'm now just 12 days over due just for the month of May can they reposses my home.

by william From Hodges, SC on May 28, 2008

this company is the worst to deal with. they lied and said that i have to have land in my name in order to pur chase a home. my friends mother deed 2 acres to me and when the papers came back they show that she mortagae the land and the land wasn't deeded to me. now they want to foreclosure and tale the land also. how canthat be possible, because i don't care about the house just give her land back.

by doris From Summerville, SC on May 25, 2008

there is no way these people can take your home if you are only ten days late. They are full of bull you know what! There are laws forbidding them to do what they are trying to tell you things they are going to do and I think they get some kind of sick high in being mean to the people that actually pay their pitiful salaries. They probably don't sleep well at night and they have miserable lives and they want everybody else to feel the way they do. If they are happy in their jobs then the devil is doing a good job rounding up his army for the day of judgement.

by GALE Williams From Nacogdoches, TX on May 17, 2008

They have been ok just putting major pressure on me non stop and refused any partial payments that I have offered, I have really been trying very hard to stop this. I do not want to loose my home!! I wish I could just give them all the money I owe and i have tried to give them some and work out getting the rest but they refuse.

by Anonymous From Goldsboro, NC on May 12, 2008

by Anonymous From Goldsboro, NC on May 12, 2008

by anonymous From Knoxville, TN on May 08, 2008

I want to start by saying that I did not put my name because I still have family working at Vanderbilt and I know what will happen to them if I give my name. I worked with Vanderbilt for over a year and decided to leave because I didn't want a dismissal on my work history. What I'm about to tell you is truth and anyone who has left will tell you the same or even more horror stories. I was in need of a job and heard Vanderbilt Mortgage and Finance advertising on 97.5 for employees. I was not sure exactly what they did there but I needed a job to support my 2 children and keep a roof over our head and food in our mouth. I went and filled out an application and was hired in 3 days. I began a training class which consisted of 12 people who were asked if we ever had any experience in collections. Several of the people raised their hand and were quickly told to forget what the knew. The training was very intense and we were all brain dead by 5:30 pm when we were let go. We were taught the basics but not the reality of what we were getting ready to face.. The trainers Blossom and Sandra were fun and tried to make our training interesting but I believe that they were as anxious as we were to get out of that dark little training room. Somebody with traing experience needs to inform them that after afew hours the brain cannot absorb and the rest taught is not retained..Doesn't matter anyway because the training changes once on the floor. Little did we know that the fun ended after 2 weeks and we were placed in the groups we were to work in. The first month was ok because we only had to call accounts who were under 30 days, but, after that, we were expected to know everything about collections. With each manager, there were a different set of rules. Hell, one never knew what to do from one day to the next. People were quitting and new people being trained to replace them. This amazed me because only 4 people were still there that I had trained with. Clayton Rule: 1. You had better stay on the phone for 6:45 min 2. You better make at least 100 calls a day.. 3. You better ask the customer why they are behind, update their net income and list everything they pay, contact numbers, work numbers, hours in their work week, how many in the home and their ages, do you get child support or do you pay child support, do you get food stamps.. 4. You better make a score of at least 95% on mercom (mercom is a phone recoding of inbound and out bound calls to make sure you do what you are supposed to do) 5. Read off a list of charities and tell them to go ask for money to help them make their payments because their home will default. 6. Anything else they decide you should have done that comes in their heads. Mercome is a telephone recording system that will only count as a contact if someone answers or you get a recording so be prepared to dial that phone 2-300 times a day. Do whatever you have to do to make contact with that customer. Vanderbilt will do an Accurient on you and find neighbors, family and associates and will call every number until they find you, so don't think you can get by without paying them. The will do a field chase on your address and that is when someone shows up at your door. All this happens if you go over 30 days and if 2 months pass you will either pay up or repossession will take place. They do go by state laws and regulations so if you do not pay this is what to expect. You either pay or get out. No free ride with Vanderbilt, but again, there is no free ride with any other lending institution either. Goals are set for each of the collectors and those goals had better be met or you are out of there. One day you are told how good you are doing and the next week they are taking you into a room and accusing you of not doing your work. Many complaints are on reps for talking mean but actully the majority of mean reps turn out to be the managers or senior acct reps. Some have said that Vanderbilt denies this, but remember all conversations are recorded and kept for any law suit that might arise against them so be careful what you say also when you call. Managers and Senior Acct Reps are the worst. They are like dog eat dog and each one of them are intimidated if a new person comes in and they feel threatened by their job. The WILL write you up over the least little thing or make something up one so beware of both your manager and senior acct rep. I will close by saying this. Vanderbilt is the only company with over 2,000 employees in Maryville who ask their employees who have been there 5 years to stand up and there is 10 at the most..10 yrs maybe 5..15 yrs possibly 3 over 15..lucky if they have 2. Now with a company of about 45% turn over rate this should tell you just how great a place Vanderbilt is to work. They get voted the top because the survey is contolled and top mgt gets to do the survey as well..Just takes a couple hundred people to vote.. They do provide a nice gym and weight room but the peons are to busy calling their customers to use it. This was for the sole purpose of managers and above. If you want them, go to the gym. I'm not a disgruntled employee, just a ex-employee who is glad to get the hell out of that forbidden place. God have mercy on Kevin Clayton when he gets in front of everybody and thanks his god for such a good quarter and gives his employees their 2% raise each year for cost of living. He needs to try it sometime.

by rebecca From Moncks Corner, SC on May 07, 2008

These are the most rude people in the world. I purposely pay late every month just to get them pissed off at me. They call every day on my cell phone and I am not even on the loan with my husband. They think they are slick. but I think its fun getting them riled up! I pay the bills in this house and I pay all of them on time except this one. When I ask a question about the loan I amm tols that my name is not on the mortgage and they can't give me any information. When it comes to taking my money that doesn't maatter if my names on the loan or not, they gladly take it. I only owe about 11 months on this house and I am going to be late on every payment. Afterall they can't ruin your credit if your not over thirty days late. We just bought a brand new boat and that payment will be made on time every month. Vanderbilt can waste their money calling me as many times as they like. I will not pay until the 29th of each month just to make them mad, and they can't do a damned thing about it. Have a good day all you people who work for a bunch of good for nothing theives.

by Asshat From Las Vegas, NV on May 06, 2008

To all the Asshats that say Vandy id Nice and Sweet, go F yourselves with a baseball bat. How the Hell could a company even think about screwing with people after Katrina. I can't stand what they've been doing to Me and I'm sad to see that I'm not alone. And oh Yeah to the Douch's I AM NOT OR EVER WAS BEHIND GET IT.....So post somewhere like employee's at Vandy suck.com

by Alan From Caldwell, NJ on May 05, 2008

My brother was diagnosed with cancer about 3 months ago and called Vanderbilt and ask if they could work something out with him until he started drawing his short-term disability. He talked with his rep and she was so kind and sympathetic. She sd she was sure that possibly he would qualify for an extension since his payment history was excellent. She took some financial information from him so she could do a request for him. He told her he would be able to make at least 2 more payments before he needed the extension. My brother and I was helping him plus he had money saved also. A few days later a manager by the name of Melinda called him and started asking him questions and wanted him to have us write a guarantee that we would be making his payments for him. She told him since he would not have any income that she could not give him the extension. He ask her more questions and she told him that's just the way it is and there was nothing else to discuss about it. Mybrother was so sick and started crying. I never in my life wanted to slap somebody as much as I did that woman. Not all reps are ugly. His rep called him a couple days later and told him she was sorry and that she would work with him. When she calls she always ask him first about how he is doing and hopes everything goes food for him. Without her having to ask Rodney tells her when he can make his payment and she has been so kind to him. Maybe we need to stop and think that maybe the reps are forced to do what they are told or they will loose their job. They could use more like the one Rodney has...

by L. Wainwright From Roberta, GA on May 02, 2008

To the very few supporting Vanderbuilt, YOU CANNOT READ! The whole point a lot of these people are trying to make (including myself) is that finance/mortgage companies do not have the right to arbitrarily increase your payment amount on a fixed rate loan without written notification including details of the charges they are posting to your account. The company is not reputable. BOTTOM LINE!

by Anonymous From Sumiton, AL on April 30, 2008

I was wondering, how do we band together and file a lawsuit against this company, I've been harassed and had my children harassed long enough. I didn't think it was legal to demand a payment that wasn't due yet?

by Anonymous From West Liberty, KY on April 29, 2008

by Glenda Watts From Mountain Pine, AR on April 25, 2008

My son is financed with Vanderbilt. He has had some back luck and got behind. I called to make a payment for him and received horrible treatment because I was not bringing him up to date. Prior to me calling them, they called me at home continuously and called me at work and I don't even owe them any money. My name was just on the mortgage contract as next of kin. They also called my son's aunts, uncles and even great aunts. They have no concept of what federal law stipulates regarding making harrassing calls. I am not finaned with them, but would not recommend them to anyone. During the conversation I was told that my son's case was not unique that most of their customers were having trouble and that they could not allow them to keep something they had not paid for. I suggested that they try to work with the people because the majority of homes they repossess are not worth what the people owe on them. That suggesion was meet with extreme negativity.

by Mo From Rock Hill, SC on April 23, 2008

We bought our mobile home in 1998 and it was $35,000. We have lived here for 10 years and the payoff is $28,000...we have paid them over $40,000 already! We are letting this house go and buying a beautiful $140,000 home before the creditors find out! SCREW YOU VANDERBILT!! Thank God we live in a state where it is illegal for them to garnish our wages!!!

by Pissed On, then Puked On by Vanderbilt From Pocatello, ID on April 22, 2008

I have read through these comments, and I can relate to almost each of them--except for those who have written in, IN FAVOR OF Vanderbilt. In fact, I wouldn't doubt that it was an employee that actually wrote it--trying to defend their actions. I am currently ahead on my house payments, but am still receiving calls from them regarding my "Failure to Pay." Apparently, they are ready to repossess on mortgages that also current. I have had to file Bankruptcy (a few years ago) because of them. I've had everything thrown at me by them--including being dragged into court for their "Proper Accounting Figures." I even tried to turn the house back in, but they suddently wanted to "Work" with me--so sadly I kept the house. I have taken the stance though, that whatever happens, happens, and there are more important things in life than worrying about them. When I tried to give the house back, they didn't want it--so I figure I'm safe--for now. During my 'scraping rock bottom' times, I even considered suicide so that my life insurance could pay off the morgage. That way, at least my small children would have their "Home" if nothing else. I know everyone's pain regarding Vanderbilt, and would gladly stand behind a Law Suit. I hope Vanderbilt & it's ASSociates expect the same treatment that they provide (as a "service" to all of us), when they end up in some of our situation(s).

by Anonymous From Sumiton, AL on April 17, 2008

when my husband had 2 heart attacks and open heart surgery, we got behind, they called my house and told my then 14 yr. old child that he would be homeless because his daddy didn't care enough about him not to get sick, they also called my employer and told them that I wasn't trustworthy, maybe they should replace me before I stole from them. I hope this company gets their just rewards, you just can't treat customers this way and survive.

by Pissed Off!! From Proctorville, OH on April 13, 2008

I am so sick of these people, do they not realize it's a Federal Offense to have their local sales office leave notes in your mailbox and place signs on private property which we own outright??? I'd love to see this company reap what they sow......looking to refinance with a local bank to get away from these nuts!!! I will NEVER recommend Vanderbilt to anyone I know or even my worst enemy.

by Anonymous From Beaverton, OR on April 10, 2008

WOW IS RIGHT! I don't have a loan with Vanderbilt Mrtg. but can't really believe the crying and moaning that goes on when we don't get our way. Guess what, I am a single mom of two and work my butt of to give them everything I can. I have had to file bankruptcy due to things out of my control but then again were they really? Most things that happen in our lives (outside of death) are our choices. If you lose a job go find another, just because you don't want to flip burgers or pump gas doesn't mean that it doesn't pay and if you still can't afford your house payments then stop drinking, smoking, eating out, driving (take the bus) or whatever to make it work. Until you have exhausted every resource quit complaining about someone else doing their job and trying to make a living. They are a national lender, you decided to buy if you didin't think paying them back was important then you shouldn't have bought in the first place nor should you ever buy again. I would hate to be Vanderbilt having to call so many people that default. Some have "just" reasons, others not so much i'm sure. Good luck with your drama and how about thank God that you had the chance to have more than most in your life. SHEEEESH.

by Anonymous From Albuquerque, NM on April 09, 2008

I have been paying on my mortgage for 6 years now. The original loan was $30,000 and was told I owe $28,000!!!! Blew my mind... My monthly payment is $465 x 72 months = $33,480 !!!!! So, I've only paid $2,000 towards my original loan.. sickening... just 150% SICKENING!! That's all i have to say!!

by Anonymous From Cadiz, KY on April 06, 2008

they won't even work with me I called them soon as I found out my husband had cancer hey told me they would not give me an extension or lower my payments,the intrest is 12.99% they wouldn't even consider lowering. we have lived here 10 years .we financecd 55000. and we still owe 42,560.56 this is good till April 30 th.

by Anonymous From Morganton, NC on April 01, 2008

vanderblit mortage company and the people that work for them need too feel and be put in the same postion they have evertone else. My husand on disababled and i lost my job trying too raise 3 kids. Got behind on payments and now we owe more than we borrowed. Paying for 10 years paid 78000 already still owe 101000 were do they get all of this.

by Winnemucca NV From Winnemucca, NV on March 31, 2008

Yes, they are the worst mortgage company I have ever dealt with. I have owned 3 homes - all different mortgages to start with some sold some not to different lenders. VANDERBILT IS THE WORST. My wife got ill and was not able to work - we called and talked to them and arranged payments. The next day a different person called and was nasty - told us we could not move payments to the end or defer payments or make partial payments - all up front or default and repossession. We actually started saving the money, and ignored them to the point they sent us a default letter, then a certified letter and then a lawyer. At that point we had the money and were able to catch up and become current - they did not make it easy and the worst of it was THEIR FIGURES KEPT CHANGING ON WHAT THE PAST DUE WAS, WHAT THE ATTORNEY FEES WERE - ONE PERSON DID NOT KNOW WHAT THE OTHER WAS DOING!!!! EVEN THE LAWYER - WHICH BY THE WAY USED A NUMBER THAT THEY DID NOT ANSWER AND A FAX NUMBER THEY DID NOT ANSWER - I WENT ON LINE LOOKING FOR THEIR NUMBER AND GUESS WHAT - IT WAS A DIFFERENT NUMBER - WHEN I QUESTIONED THE ATTOENY SHE TOLD ME THAT THAT THE NUMBER VANDERBILT AND THE ATTORNEY GAVE ME WAS AN OLD NUMBER AND IT HAD BEEN CHANGED AND THEIR ATTORNEY FORGOT TO CALL AND HAVE IT TURNED OFF. IT IS NOW 5 MONTHS LATER - OUT OF CUROSITY I CALLED THAT NUMBER AND GUESS WHAT? IT'S STILL A WORKING NUMBER - SOUNDS LIKE A SET UP TO ME TO GET OUR HOMES AND NOT WORK FOR US - BY THE WAY THIS COMPANY WORKS FOR VANDERBILT FOR YEARS- IT'S THE ONLY COMPANY IN NEVADA THEY USE - WONDER OF OTHER ATTORNEYS IN OTHER STATES USE THE SAME TACTICS - A WORKING NUMBER AND A WORKING FAX NUMBER THEY DON'T ANSWER? OH - I HAVE STILL YET TO GET A DETAILED ACCOUNTING - THEY DID CLAIM THAT SOME OF THE MONEY WENT TO PAY MY PROPERTY TAXES FOR THIS YEAR - BUT I GOT THE BILL FOR THAT TODAY? SO HOW DID THEY PAY IT AND WITH WHAT?

by Pamela Vasquez From San Benito, TX on March 23, 2008

In short!!! We have been paying our mortgage for 10 YEARS!!! Some late payments. Orginal loan $53,000. we still owe $48,000. there must be laws against this type of ripoff....

by Kristy-Thomasville From Thomasville, NC on March 23, 2008

I agree they are the worst company i have dealt with. I'm afraid i will have a default this month because it will be the 3rd next month. I'm trying to see if i can get this refinanced. most companies will try to help you get caught up if you are late they refuse. can they default if you are over 30 days past due.

by kristy sommerville From Thomasville, NC on March 22, 2008

i just started working with an credit advisor. it's been rough since my husband was laid off and making less money now. my car is about paid for so that will help alot. i just can't get any assistance with these people and i'm scare of losing my home

by Jerry From Morganton, NC on March 21, 2008

This company is greedy....I was attempting to buy a home/w property that they had forclosed on. I offered 10,000 grand more than what the propery sold for...6 months ago! They have it listed 44,000 more than the property sold for 6 months ago,,,,I think I just let them set on this and loose their arses

by No Name From Mount Pleasant, SC on March 19, 2008

Vanderbilt is the worst company that I have ever dealt with. I dread talking to them and after the conversation is done with I feel as though they stabbed me in the neck for calling them in the first place. I have been hanged up on by them multiple of times for just questioning the authenticy of some of the things they said that turn out to be false. They have called me during crazy hours of the day. We all go through hard times. At this point I have sent applications from 5 people to buy my home. All five has been charged too much interest to take the loan or considered a bad applicant. There is no reason why our mortgage should be this high and I am glad that there are people standing up to this company. I have never had customer service where I felt threatened and low.

by Anonymous From Summit, MS on March 17, 2008

NEVER HAVE HAD A PROBLEM WITH THEM FOR THE 2 YEARS I HAVE DEALT WITH THEM. I DID HAVE A MIX-UP WITH MY INSURANCE, WHICH TURNED OUT TO BE MY AGENTS FAULT, THAT THEY POLITELY WORKED OUT WITH MY AGENT. I HAVE AN AUTOMATIC WITHDRAWAL DONE FROM MY BANK EVERY TWO WEEKS, SO I HAVE NEVER MISSED A PAYMENT.

by Tricia Johnson From Americus, GA on March 04, 2008

To all the writers who say you should not buy if you cannot pay, I am sure that most people, like I, were in a position to buy when they initially bought their home. Fortunately, I had always been able to pay my debts although at times they did need to work with me on a payment or two (never a problem with anyone else). However, unforeseen problems arise sometimes and during those times you may need someone to work with you. I had to obtain custody of my granddaughter, something I never thought about happening when I bought my home. When I got behind 2 payments I was calling asking them to work with me and I would catch it up, I did not want to file bankruptcy. They would not work with me at all. So I had to file bankruptcy. My little granddaughter and I have had to move. They started calling me the day after my bankruptcy was filed to see when we would move and never stopped. They have to come get my home and lose thousands of dollars rather than work with me. I hope and pray I never have to deal with these heartless people again.

by Brandy From Columbia, MO on February 27, 2008

I have had the displeasure of having Vanderbilt as my mortgage company for about 5 years now. I tried to get my ex's name off the loan, they told my I would have to fill out a credit application. That was okay by me, I have great credit; but it would cost me $870 to do this! I told her forget it. I have sent a payment in by 6 days late and they started calling me. I told them it had been sent in. The next day I got another call from a different person, same thing. So I checked my bank and it had cleared. To make a long story short, after them calling me every other day on my cell and at work about it, even after I faxed them the draft that THEY had cleared it took almost a month for them to correct this mistake and apply my payment. No apologies nothing! This company sucks. Just because I live in a trailer doesn't make me trash and doesn't give you the right to treat people like this!

by Tammy Jones From Grover, NC on February 21, 2008

they are the worst people in the world, i couldn't take their harassment no more so they got their piece of shit repoed home back they are all about lies

by RDS From Chipley, FL on February 14, 2008

They break every rule in the fair credit laws. They refuse to stop calling my wife at work. They swear at you even question your religion for not paying. someones has got to stop these bastrds.

by Anonymous From Powell, TN on February 13, 2008

They do not care about the people living in these homes and they will harass you beyond belief. There is no way for us to save our home according to them. So I guess they can have it.

by Anonymous From Stokesdale, NC on February 11, 2008

I have a Vanderbilt Mortgage, and yes they can annoy you if you're late. The key phrase is "if you're late". Pay your bills on time and it won't be a problem. I fell behind when my wife had surgery on her knee. I called them when I was a day late and let them know what was going on and the deferred the next payment for me. So don't blame someone else for your misfortunes. If life gives you lemons make lemonade.

by Tracey Cope From Chester, SC on February 08, 2008

by Christy From Tyler, TX on February 07, 2008

This damn company has been a nightmare for us. First of all, we paid $6500 down in 05 when we got the home. We got upside down with our payments last July.(07) Husband changed jobs and new baby came in August. We were a week shy of being 2 months behind at that point. I called and talked to a lady named Diane and set up a payment date for that following Tuesday to pay $1,200 of the $1,800 we were behind. Before that Tuesday came, another rep called, of course to inform us we were in default, and I told her that we had already scheduled to pay $1,200 that coming Tuesday. She refused and said we were $1,800 (don't remember exact amount) behind and that anything other than that exact amount was unacceptable. She said she could take my $1,200 but couldn't guarantee that it would be applied towards the delinquency and that we could still be facing foreclosure. So naturally, I wasn't going to go through with the $1,200 payment if it was a 50/50 chance. She basically told me to start looking elsewhere to live. I just couldn't understand as to why they were calling and harassing the hell out of us if 'payments weren't an option' anymore. They continued to call and I continued to ignore them. Who wants to answer the phone to reps on a power trip who want to verbally abuse and degrade them? Not me.. The rep had told me they were going to start foreclosing since I didn't have the exact amount that was past due. My hands were tied so I told her ok, whatever. The following week I got a certified letter that I didn't sign for because I wasn't about to make their foreclosing process easy. They continued to call and literally EVERY phone call was verbal abuse. We were told to get our 'asses out' and we were also told by a male rep that HE would physically remove us if he had to. About a month after I talked to the rep about offering the $1,200, a Sheriff served us papers stating that we had been sent a certified letter (the one I didn't sign for) that gave us 30 days to get the payments caught up or they would proceed with foreclosing. What the HELL?! The rep TOLD me that payments weren't an option weeks before that point, which was why I didn't sign for the damn letter!! So payments WERE an option but I was lied to. Simply put, I was set up to fail. Good job Vanderbilt assholes. I've read where they have changed some locks or taken peoples houses with their contents still in it. That's BS. If I come home and my locks are ever changed, I'll bust the damn window or pry the door open. Bastards ain't locking me out of MY home that they screwed me out of. I know the other 49 states here joke about us Texans and I have to admitt, it's entertainment and just to validate our stereotype, I'll go plum ass redneck on anyone that comes here trying to pull some shit like that. I understand that our mortgage payments are important but they aren't my ONLY responsibility and YES sometimes other things ARE more important than an 'on time' house payment. Vanderbilt reps DO NOT make note of what you've said to each individual that you speak to. I commend the guy that posted here that worked for them and chose to be a better person than to work for them. It's sad to have to choose between the two because it IS possible to be caring, yet work as a rep for collections. Just not Vanderbilt. This should be their job resume. Are you an asshole? Do you have the ability to make someone feel worthless and helpless? Do you enjoy threatening people and cussing them out? Do you know how to click a mouse? Typing isn't a requirement since we don't take notes anyways. If you've answered YES to all of these questions, your hired. I'm going to call Vanderbilt and talk shit to them like they did me for so long. I'm going to fight fire with fire. I will assure them that they'd rather work with me than come get it. Good luck to all of you dealing with these heartless bastards!

by Anonymous From Maury City, TN on February 03, 2008

Our problem isnt with vanderbilt its with the park manager. He is the biggest liar I have ever seen. They will tell you what ever it takes to get you to sign the paperwork. The tax on the lot went up $7.00 and the manager was at the door wanting that $7.00. pay up or quit? If he tells me its raining, I want it in writing. This house was supposed to be like new. It has so many problems we are selling and getting out of here.

by Anonymous From Pineville, KY on January 30, 2008

I have dealt with these people for 6 years. My payment increases every year. I lost my husband 3 years ago and half my income. They tell me they DO not refinance.I struggle every month to pay my mortgage. These people are the rudest business people I have ever had the displeasure of dealing with.

by Anonymous From Saint Helena Island, SC on January 29, 2008

Vanderbilt Mortgage is not a company that is willing to help you in a difficult time in your life. Our mortgage situation could have been taken care of a long time ago, but our mortgage company did nothing to help us.

by Anonymous From Martinsburg, WV on January 27, 2008

by Anonymous From Bristol, TN on January 27, 2008

The post from North Carolina -- people here can contact Action 9 and possibly get something done about Vanderbilt and their horrible condescending manner that they use with every one. Yes it is illegal but someone has to put forth more effort. Call Action 9 and have their reporters read these post and offer suggestions OR possibly go to Vanderbilt Higher ups and take care of these people. I have posted on this site how to contact Action 9. You NC residents may be the savior for all these poor people. Get with it!!!

by Anonymous From Jacksonville, AR on January 25, 2008

Constantly harassed. The phone calls never stop. I have never had to deal with people like this before. This cant be legal. I hope someone can do something soon. I feel like my hands a tied. I hope these posts keep other people from financing with this company in the future.

by w. james From Florence, SC on January 25, 2008

liars! went through a divorce tried to refinance, told me they did not refinance. once home went back sent a card in the mail days later about refinancing. i called rep said they had been refinancing approx 8 years

by Anonymous From Fayette, AL on January 24, 2008

they gave me a month of no payment when i had my back surgery but i still fell behind and now am being foreclosed on. the give me 2 weeks to pay 3 months worth or i will lose my home

by Former VMF Collection Agent From Greensboro, NC on January 21, 2008

Just to let you all know I worked for Vanderbilt here in Greensboro for several years. I had no prior experience in mortgages before this job I was actually a candy route driver. lol. I went thru 2 weeks of training in which I learned how to work Vanderbilt's intranet and called a few customers that were typically a little late. No big deal I thought I can do this. I handled a case load of accounts in LA, TX, NM and was managing the majority of the accounts in New Orleans when Hurricane Katrina hit. So here I am going to work calling these people in New Orleans really concerned, hoping they were okay and being told by my managers that I had to collect that past due money half of these people didn't even have homes left and the other half didn't know if they did or not and had all evacuated the area spending every dime they had to eat and have a place to stay. Berkshire did donate a lot to the victims but on the other hand we were still calling or attempting to call these people on a daily basis to try to collect house payments. I loved the money I made working there if you bully enough people into paying you money whether they had it or not you got a nice little bonus every month. Soon after I decided I liked people too much to be greedy and chose a different profession I may only make half of the money I made working there but I sleep well every night knowing I did my part to help mankind today.

by Anonymous From Saint Stephen, SC on January 19, 2008

I have had Vanderbilt for two year and have fell behind 2 times. After the first time of harassment I just ignore them and pay when I can. Count me in on any law suite this company sucks.There way of collecting is totally against the law.

by Justin Higbie From Delphos, OH on January 17, 2008

No trouble with vanderbilt yet!

by Anonymous From Santa Fe, NM on January 16, 2008

A GOOD DEFENSE; Vanderbilt Mortgage falls under the unmbrella of Berkshire Hathaway. Warren Buffet CEO worth billions...they will be holding their shareholders conference May 3, 2008 @ Q West Center, Omaha, Neb. call 800 799 6634 or call 402 697 5314. Time for a RALLY? TIME TO RETALIATE.

by Anonymous From Statesville, NC on January 16, 2008

To organize a class action suit, find an attorney. *FILE COMPLAINTS AND KEEP FILING...Squeeky wheel get the oil! *Find out who is the CEO of this company? Bombard him with paper complaints. *Make copies of all your dated letters for class action suit. *Find out who the board members are and BOMBARD them with letters of complaints. *File complaints with Washington and the Federal Bureau of Investigation for Mortgage fraud. *Contact the Federal Housing Authority (HUD). There are some leads, now get to work and quit griping and get these crooks underfire. *Post a blog where people can get on board for a class action suit. **Keep calling CBS, NBC, Dateline, etc. the time has never been better.

by n/a From Lebanon, TN on January 12, 2008

my husband and I have dealt with Vanderbilt mortgage for 5 or 6 years on our new house, Theses people are very good at what they do and never seem to get caught doing it and if they do they cover it all up... Vanderbilt mortgage has went as far as taking money out of my father in laws bank account that isn't even on our contract with Vanderbilt mortgage, tell us that we are late on payment that were not, and by looking at all of the posting we have has just about everything happen to us that others have posted about Vanderbilt. there rude as hell when you call them, and if you ask me there lacking a lot of brains as far as some of the reps go when you talk to them on the phone.

by Anonymous From Bristol, TN on January 12, 2008

In response to Knoxville, Jan. 10 post You would obviously make a top employee of Vanderbilt. You in your post did exactly what every one is talking about!! You have harassed, degraded and made fun of situations that I am certain that would not have happened intentionally. These people do not want to loose their homes! These post is an outrage that these people are expressing as to the way Vanderbilt is treating them as human beings. I am sure that if you were talked to in this manner and treated as they are you would be outraged also. And what is this about 'Government checks'. I don't believe i saw that post. Maybe you need to read these post again.

by Anonymous From Knoxville, TN on January 10, 2008

Wow. I don't work for, nor do I plan on working for Vanderbilt mortgage but all of this crying and bickering about how they do you wrong on something YOU KNEW YOU HAD TO PAY FOR has got me wanting to chime in. Maybe you should start giving away homes as your business and see how long you will last. I've got an idea.... DONT BUY UNLESS YOU CAN PAY!! The only reason any of you are even bad mouthing this company is because you obviously defaulted on your payments and the HAD to call you. Grow up and get a job that pays you money and quit trying to live off your government check. Good luck to all of you and your sappy stories.

by Anonymous From Bristol, TN on January 10, 2008

Since my last post on this site (Anonymous from Bristol, tn. Jan 06) I have e-mailed WSOC-TV Charlotte in North Carolina. I received a response immediately. They have what is called Action 9 that helps in situations where no one can get anything done! One problem tho, it has to be a complaint or problem from a resident of NC. You can call 704-335-4738 or e-mail to submit a request www.wsoctv.com, click on Action 9, click on contact 9 and complete the form. People in NC , good luck. Will post any further information that I may be able to get.

by angela From Vidor, TX on January 08, 2008

we are going through hell with Vanderbilt.i wished we all could sue them.they are pro's at harassing people.

by Anonymous From Bristol, TN on January 06, 2008

Vanderbilt Mortgage is the devil's advocate! There is no way you can deal with them. I have read all these post and I can say have had about fifty per cent of these same things happen to me also. They are the most non caring , non-compassionate, non-Christian, untouchables that I have ever encountered. I have tried to deal with them since o3 and cannot get anything resolved. No other lending institution will even talk to you once you mention their names. They are a bunch of leech sucking buzzards that live off the demise of many many homes. They are also the number one seller of REPOSSESSED mobile homes in the nation. I guess so. Repo today. Sell to another poor soul tomorrow, harass them for about three years, repo again and it goes on and on. That's why they are the largest!. I saw where someone posted Dateline or 48 Hours. I am going to try to reach someone at both. I am going to try a lawyer that was recommended to me also. Are you people behind me that have posted on this site? Please post if you are. I will be posting any information that I should receive. WE must stop them. In the mean time , get out the word about them. Talk to friends that are considering buying, write letters to the editor of your local newspaper, any commentaries that you may have access to. WE will get them. I have GOD on my side.

by single white femal From Vacherie, LA on January 03, 2008

If you call their legal department, not one person in that building have any legal training nor experience. I constantly get threatening phone calls, letters in the mail, and taped collection notices on my door. I have looked into legal actions and a Thibodaux LA lawyer said that I was wasting my time because they can't order you to be removed from the premises only because you are behind one payment. Their letters are threatening ones but they only show how terrible their customer services reps are. They are ruthless, spineless people who have no personal morales and they are not good Christians. I ignore every call and correspondence sent to me. I don't even pick up the registered mail sent to me at the post office. This company will be for sale soon and justice will be serviced when they hire new people. One afternoon, my whole entire block of neighbors where told about my standing with with company and when I went to the Thibodaux based company I bought my trailer from, the so called gentleman wasn't in at the moment---but it was ok for him to discuss highly confidential information about me but can't see me. His day is coming and this company will get a fat lawsuit soon.

by JS From Townsend, GA on December 29, 2007

Have been a customer for more than 11 years and always on time until this past year. These people have called everyone in our family and discussed the fact that we were past due, but when we tried to sell our home and had a willing and able buyer, they would not communicate w/his lender. If we sold it, they wouldn't get the outrageous interest they charge us. In addition to that, they sent a "field rep" to my house two days before a payment that would catch us up that we had discussed with them 3 weeks PRIOR to the "reps" arrival. The payment was APPROVED by the collections manager and they still sent a rep. When I called and asked why, I was told that 3 weeks was not enough time to call it off because the reps often come from another state. UMMM, I am in another state than Vanderbilt and it didn't take me 3 weeks to call them. I wonder how much they will charge for that? Our "account representative" has called our house so much over the last year that my child thinks she is a member of our family. I wonder if she just wants to hear my husbands voice. And to "Just Pay Your Mortgage" obviously you have never REALLY had a truly life-changing tragedy in your life. Yes, it is my responsibility to pay my mortgage, and I was a loyal and on time customer for 11 years...even pre-paying. One month behind is not enough to justify the harassment we have received from Vanderbilt Mortgage. It is their responsibility to provide good customer service. This was not provided when I tried to sell my home. In fact, if it had been, I would not have to leave this post.

by CATHY BANKS From Gaston, SC on December 27, 2007

I TALK WITH A LAWYER IN MYRTLE BEACH SC NAME DAIVD BREEN I THINK HE`S GETTING A LAW SUIT TOGETHER HIS # IS (843 )445-9915

by cathy ellis From Gaston, SC on December 27, 2007

harassing calls tax escrow raised

by hisranch From New Boston, TX on December 26, 2007

After one year, Vanderbilt tried to raise insurance, so we began questioning and researching. We found after more than 6 researches on our account that they "misplaced" our tax escrow, the insurance wasn't going up, and that they are trying to increase our payment for next year to restore tax escrow that they "misplace" We have filed a complaint with Texas Department of Savings and Mortgage Lending, also have retained a lawyer. They have sent us paperwork telling us 2-3 different amounts for payment next year. Also, we purchased our own insurance, so they better refund the proper amount on that. We have a fixed rate on our loan, I don't know how they think they can get away with this. I would not use them again nor recommend them to anyone. Customer Service Reps have been nice to us but that really doesn't help us much.

by frank pimental From Oklahoma City, OK on December 15, 2007

lost job got behind and trying to catchup on house payments

by Anonymous From Ridge Spring, SC on December 10, 2007

I agree they are very rude people. I realize they have a job to do when they call, but; they go way over the limit. We got behind on our mortage payments also, but thank GOD are caught up now. My advice to anyone would be please pay your mortgage payment before anything else. You have to have a place to live. I'd rather work out my other bills out with the company than to ever have to deal with Vanderbilt Mortgage. It's next to impossible to get them to work with you. I hope everything works out for the best for those that are going through the difficult time with them.

by Brenda From Sapello, NM on December 06, 2007

My account was acquired from Associates Home Finance about three years ago by 21st Mortgage. These predators have increased my payments by more than $120.00 per month for insurance that they state was delinquent since Associates owned the account. I have been told to move out of my house, been awakened from sleep after a graveyard shift only to be yelled at, had my confidentiality violated, and been made to feel less than a person. There surely must be some remedy. For now, I have told them that I will only communicate through e-mail so that I will have proof of their harassment.

by teresa From Cape Girardeau, MO on December 04, 2007

BUYER BEWARE I have been dealing with this company for 14 years and out of those only the last 5 have been bad ever since my old company was bought out by these people. I hate to tell them I filed my house in bankruptcy in 02 and did not reaffirm my loan so they really should not be contacting me about missed payments, maybe I should begin a class action suit against them my lawyer would be more than happy to go after these thieves. This company and their reps have no compassion if they were any kind of reps they would no to be kind to people no matter what.. I am a rep for a company and we do not use those bully antics to collect money, in the long run it gets them no farther than when the call began. This company needs some training in the department of kindness, one of their reps pointed out they went to college to get a better job gee and now she is a rep with Vanderbilt why waste all that money on school to get a job that doesn't pay very well. If you went to college and make less than 45,000 a year you have wasted your time lady. I just hope this company changes its practices in the future especially with the housing market the way it is today or they wont be around much longer. This company should have a label on them BUYER BEWARE.....

by Anonymous From Belleville, MI on December 01, 2007

to Vanderbilt Rep. F?*& off, if we as customers can call and acknowledge that we know we owe the bill, its not your dam business as to WHY we can't pay it, we're calling to say hey i now i owe can i pay this now and catch it later, people do have emergencies and life happens. you don't have the best SECURE job yourself, and one day you won't have a job. KARMA happens too. Remember without people like "US" calling with questions, and making arrangements your dumb***** wouldn't have a job EITHER now would you. So start by saying thank-you to us as customers instead of having your heads so far up Vanderbilts **** you can't see straight. the CEO is living in a mansion however i know for a fact "YOU GUYS AREN"T

by Anonymous From Ypsilanti, MI on December 01, 2007

To everyone that deals with Vanderbilt, Set up a recording of how the reps. talk to you, when they call or when you call Vanderbilt. take it to an attorney, and file harassment charges, they under any law have NO RIGHT to verbally abuse you in any manner, they have to be professional, in their calls, you can have these reps. lose their jobs since they think its funny and then they'll be on the phone begging and trying to schedule payments with their mortgage co. these reps. act like the money is coming/going int her bank account when they only make min. wages too. you can have these people at least fired, they are hired to be of "CUSTOMER SERVICE REP" not being shitty, harassing, there company need a wake-up call, because if these are the kind of people they hire to represent Vanderbilt, then the Vanderbilt/Clayton Homes CEO. himself is a Jackass and needs to be sued.

by Anonymous From Greenville, GA on November 28, 2007

i like the idea of date line doing an investigation on Vanderbilt mortgage this SHOULD BE DONE!!! please some one make the phone call!! it can only help everyone involved.they are a ruthless and disease ridden company stay away or you will get something you dont want!!

by Faye from Seguin, Texas From Seguin, TX on November 28, 2007

Vanderbilt still has our over payment from last year. I have contacted them and contacted them and have gotten no response. They do not care about customers. We are paying what we can and we cannot pay over $700 a month as they chose. Our payment is too much and we cannot get a resolution. We are contacting the Texas state attorney general along with other entities in Texas and the state where Vanderbilt is based. I wish we - the responsible ones - could get results and make Vanderbilt wake up and be responsible! Thanks

by ANDREW From Reidsville, NC on November 25, 2007

I HAVE AN IDEA! WHY DON'T WE ALL CONTACT DATELINE NEWS OR SOME OTHER NEWS AGENCY, TO GET THE WORD OUT THERE ABOUT VANDERBILT. THIS WAY WE CAN GET THEM INVESTIGATED. ANY THOUGHTS?

by Anonymous From Winchester, VA on November 23, 2007

I HAVE NEVER READ SO MANY TRUE TO FACT POSTS IN MY LIFE. THEY ARE THE MOST INCREDIBLY RUDE PEOPLE I HAVE EVER MET. HOW CAN THEY HARASS YOU BEFORE YOUR PAYMENT BECOMES LATE? I WILL NEVER UNDERSTAND THAT

by sheri w From Lancaster, SC on November 21, 2007

this co sucks out loud i been trying to refi for years,they break every law they can on collections, then you call there hand they switch collections person and act like they have no notes and start all over again i am tired of fighting them, i have a cap on my arm and they still raised the rates it is rape.i am tired of fighting them i own my land so we will see how they take my home they better have a truck in the street they know we cant afford legal help so they keep on doing this to us.i kept being referred to refimymobilehome.com well guess who that is, yep.so i read all the propaganda and called them they told me they cant refi their own loans unless i am current and then at 11% that is insane i hate these people and you cant get away from them

by Misty From Hugo, OK on November 18, 2007

I was researching Vanderbilt and considering using them to purchase my home. However, after reading the comments and experiences of everyone, I am NO LONGER considering this company. I wish you all the best and I do hope things get better for you. God Bless.

by a victum too From Kingstree, SC on November 17, 2007

I have a mortgage with Vanderbilt also and all the comments I have read are very true they do talk nasty, give you a default letter stating when you have to pay and then turn around and call 2 to 3 weeks before that deadline telling you to get your stuff out of the house in a few days they are coming to get it, I hope Vanderbilt get run out of business and I think we as consumers should be notify in advance when another company is going to take over things such a mortgage and car loan to let us decide whether or not we want that company they now are witching you to or not. PS I feel for you all I am in the same predicament, now I see I am not alone in this we need to do something about these people and they got the nerve to have a business

by Anonymous From Reidsville, NC on November 15, 2007

Don't let Vanderbilt fool you!!!!!!!!!!! they do defer payments, especially if you tell them about all the negative things you have read about them online. Last week they wouldn't defer any payments, they wanted the whole amount. This week after I spoke with them and told them about my research on their company and how I discovered all the illegal things they are doing, low and behold, they deferred the payments!!!!! It is my feeling that their reign of terror will come to an end before too long. One they get slapped with a class action lawsuit. They will be forced to change their illegal habits. If anyone knows how to organize such a lawsuit. please post. THANKS!!!!!!!!!!!!!!!

by JOY From Palmyra, VA on November 12, 2007

I WAS GOING TO DO A REFINANCE LOAN WITH THIS COMPANY BUT NOW I AM NOT. THANK YOU EVERYONE FOR YOU HONESTY. I HOPE GOD SENDS EACH OF YOU THE BLESSINGS THAT YOU NEED.

by Sandy Parsons From Salisbury, NC on November 11, 2007

Anyone even thinking about getting a loan from this company please beware of them. Do lots of research on this company!! I did my research, but I did it too late. I have met 12 families in my city that had loans through Vanderbilt, and all 12 families have lost their homes!! We are the 13th family within 6 months in our city. We bought our home in 2005 and was told our payments were $770. By Jan. 2007 our payments had raisen to $912.00. The only thing I could get from the company is "insurance is going up". We had a private insurance and I contacted our insurance probably about 50 times and I was told every time no premiums have went up it actually went down $25. Now figure that out? We lost $35,000 to this company. Don't let them steal your money. I am trying to get the word out and maybe one day Vanderbilt will stop this. Please feel free to email me or even give me a call. sparsons10@ctc.net Sandy Parsons

by thats MS Norton to you From Highfalls, NC on November 09, 2007

I too have had the worst of luck with Vanderbilt. They changed the locks on my doors, posted a message on the INSIDE of the window in the house stating that any "theft" removed from THEIR property would be prosecuted, and stated that they had mailed me a certified letter giving me 30 days to vacate the property. I never received the notice, and they still will not allow me to get into the house to get my personal things out. They told me that I knew that if I bought a house that I had to pay for it and if I wasn't going to pay for it, then I should have already gotten my things out; the locks on the doors had been changed and the house AND its contents now belong to them. STAY AWAY!!!!

by disgusted From Whitakers, NC on November 07, 2007

I agree, Vanderbilt is the worst mortgage company ever. They will call, threat, and harass to no end. They are the rudest, most inconsiderate people I know. They send sales persons knocking on the door and leaving letters and threatening messages with the neighbors. It's not the neighbors house nor their business what my affairs are. Some things are personal and this should indeed be one of those things. If you are not with this company, please don't.

by Pam From Advance, NC on November 04, 2007

I agree with everyone here. We have been behind. Paying July in August, August in Sept., etc. I called to make payment arrangements and this woman gave me a lecture. She wanted to know how much money my husband makes and why couldn't me and my husband pay our bills. She said I needed to get second job, she had one and she pays all her bills on time. I had to listen to all this crap just waiting for her to take my payment information. I hung up the phone in tears. She made me feel like I was a bad person. They call my home constantly, my cell and work (after I have asked before for them not to) They treat people like criminals. I owe for November now, yes, the current month. I mailed my last payment so I wouldn't have to talk to anyone. So far, that check has not been cashed. My husband and I are just holding our breath for the day we can get these people paid off and tell them to go straight the Hell.

by Christeina From Jacksonville, FL on November 01, 2007

I am 3 mnths behind they have called my place of employment leaving personal information on co. voice mail and putting my job in jeopardy. I am currently trying to find an attorney to help me keep my home, now they have the office of the mobile home comm. leaving letters copied on red paper in my door also telling me that I am in default and that if I do not pay that they will file for eviction. I only just this past month became late on my lot rent payment and now a note from the office states that if I do not pay in full plus $250 in legal fees that I will incur more charges and that they will not accept anything less than $893 for this coming month and last. I can only pray that I can find some assistance I have four children and Hypertension stage 2 and am only 37. If someone can help me please let me know. My e-mail address is teina@yahoo.com

by Anonymous From Hampton, TN on October 29, 2007

Do NOT use this mortgage company. My husband was ill and out of work for almost 3 months. We got very behind in all of our bills. They were not willing to work with us, threatened legal action, just rude and nasty the entire time. One rep would tell us "If you do this, this, and this...your loan will be in good standing." 15 minutes later another rep would call and threaten us again and tell us that the person before us gave us the wrong information. We were in default no matter what. They will call you 10 days before your payment is due and NO MATTER WHAT you tell them, they call back the next day. We were told, point blank, to call ahead to authorize a payment to be taken out at a future date. Threatened that if this wasn't done, we would be in default and would have legal action taken against us. I called three days in advance to set this payment up. They said that they could not pre-authorize a payment!!!! Then, when I finally authorized the payment to be taken out....it was almost a week before the money came out of our account! If you talk to these people, be sure to keep down names, dates, and times that you have spoken with them. They have made our lives a living hell. You can NOT work with them. This was the biggest regret of our lives.

by d j brooks From Roanoke, TX on October 27, 2007

i was employed by jpmorgan-chase as a field rep back in 2004. after the buyout by buffet i interviewed for a field rep. position with 21st. mortgage and Vanderbilt.the 2 companies who bought out chase..I've never been treated so poorly by another company..these two companies lied, put me off and never gave me a reason for not hiring me. Vanderbilt flew me to Knoxville, TN for an interview...did the drug test, background and never heard from them...called for almost 3 months and was lied to...just wanted to put this information out because the 2 companies are terrible,,,didn't know this site was ava. or i would have posted this info. years ago. again these people are non-professional-trailer trash..

by crystal From Wellborn, FL on October 23, 2007

WOW I was just getting ready to apply for a loan. There's no way I would apply now. THANK YOU for posting this information.

by Unhappy From Burton, MI on October 18, 2007

I deal with Vanderbilt, I am behind, I refuse to speak with them. They are rude. I am 1/2 a mo. behind.They take the money put it on the principle and say I owe. Right now I tell them I can be out by sun down sun up their choice.

by Dana From Bridgeville, DE on October 15, 2007

I have made the biggest mistake by taking a mortgage with these people. I was 19 yrs old when I was suckered into their company. Not only are they rude and inconsiderate, they work with you on nothing. They begin calling before the payment is due and the threats are unbelievable. I am personally calling the BBB on them. I am sick of being insulted by people who will try anything to make you give them money, don't be in the dark about your rights b/c they will use that against you. Everyone has issues at some point in time, they better learn to accept this and try to help people rather than make it more difficult.

by Anonymous From Asheville, NC on October 13, 2007

Horrible company. Rude and very unprofessional. They call the phone and threaten you. They also yell and scream at you and talk to people like they are trash. They will soon get what they deserve, just like all of these other companies that have ripped off desperate poverty challenged people.

by David Krigbaum From Magazine, AR on October 12, 2007

Every one of these comments are true because they are rude and don't even want to try and help you.10 days late and the say there going to foreclose on me.Very mean devellish people.They demand you sale everything in your home to make the payment.And they even threating to come and change the Locks on my House with all my stuff in it and not let me have it till the payments are made.Losers they are and i hope it all comes back on them someday.I know it will so everybody just hang in there.God Bless everyone of you and the Hell you have to go through with this Mortgage Company.

by Unbelievable in Aiken S.C on October 10, 2007 From Aiken, SC on October 12, 2007

This is the worst company ever. I was one payment late due to having a baby, they didn't care. They called relatives of mine that I never gave phone numbers for, giving them info about my payment being late. I think something should be done about this company they are truly a pain in the butt. They call constantly after you've made arrangements to pay, they say they have to call anyway. I hope we will be able to sell this mobile home and get away from this company.Will someone please help the people who have to deal with such cold hearted people. If I would have known what I know now I would have tried to finance with another company when Chase Manhattan sold the company. DO NOT GO THROUGH THIS COMPANY FOR A MORTGAGE LOAN!

by Anonymous From Cantonment, FL on October 11, 2007

We have had many things happen in the last few months and now are behind almost one month. Scared of what they are going to. Filing bankruptcy on Monday should stop them for a little while i hope

by janet faver From Cleburne, TX on October 10, 2007

I too had a mortgage loan with associates housing finance, now Vanderbilt Mortgage. My ex-husband was awarded the manufactured house in our divorce. He got behind, and tried everything to get back on the right track. They harassed him all the time. The home was in my name, so they called me at work, harassing me. I told them not to call me at work, but that did not work. My ex-husband got so tired of trying to work with them, he let the home go back. Now I have a judgment against me, from this crooked mortgage company.

by PAUL From Thibodaux, LA on October 05, 2007

I know what all of of you are going through I go through it my self for 4 years now and I had a break the home is now refinance with a interest rate of 2.5% no late fees no calls for being late and it felt unimaginable when I called them and told them flat out to kiss my ass and F@#K off what a rush I never felt better they won't never harass myself or my wife again them M-F@#KERS

by Dana From Albion, NY on September 30, 2007

On one occasion, a rep from Vanderbilt suggested I ask friends and family for money to make my payment that was ONE DAY late because of a medical emergency involving my 16 month old son. Once I told them I wouldn't borrow money, they suggested I pick up a part time job, on top of the full time job I currently have. I can NOT wait to get out from under them and NEVER have to deal with them again.

by Doug S. From Gulf Breeze, FL on September 27, 2007

My mobile home loan was absorbed by Vanderbilt Mortgage from Associates Housing Finance a few years ago. I've been fortunate enough in that time to make all my house payments on time. I've never been contacted by Vanderbilt for any reason. There have been many episodes of Dateline NBC, 48 Hours Investigates & a few others showing how the practices of debt collectors are borderline illegal & in many cases way past illegal. I remember one guy that was interviewed who worked as a debt collector but reformed himself & became a whistle-blower advocate for consumers. A simple Google search for "debt collection fraud" turned up some useful info to assist consumers in their struggle with unscrupulous debt collectors. God Bless & Good Luck!

by susan From Jacksons Gap, AL on September 25, 2007

I use to sell manufactured housing. I did not use Vanderbilt Mortgage as a lender though. From the experiences I have just read, there should be a class action suit involving breaching confidentiality agreements and harassment. Find out what rights you have...I was looking at relocating and maybe assuming one of these loans Vanderbilt has, but not anymore!!! Thanks for the great tips! Good luck to you all.

by atom ant From Sanford, NC on September 21, 2007

what do you expect from a bunch of one tooth inbreds that probably lives in one of their previous repos with ma and pa . you can tell none of these would ever face up to any ONE thats why they send cronies to your door.HEY ALL YOU MARYVILLE TENN HICKS working for Vanderbilt mortgage i bet you don't even get lunch breaks with all that shi- you talk oh yeah with your mouth full of it you don't know how to talk to people decent for fear of someone seeing the dark spot on your tooth!HAVE A SHI--Y DAY FROM ALL YOUR VALUED CUSTOMERS

by Betsy From Sevierville, TN on September 21, 2007

Reading all these comments has truly rocked my boat!!! We are going through the same things as everyone on this site and many other sites, People are screaming for a class action lawsuit. Surely there is some ambitious, intelligent lawyer out there willing to take this on. The young, old, disabled and working people of this country are being taken for a ride by "Mr" Buffett! How much longer are "we"the people, who run this country, going to be dictated to by companies like Vanderbilt? Have faith people, The LORD will see our suffering. We all need to be pulled together and have justice served.

by They Suck From Harrisonburg, VA on September 21, 2007

They are rude and even suggested that I take back my child Christmas presents one year on the phone because my payment was a week late. Our payments had never been behind. The only time they were late was because their way of processing the payment takes like 10 days or more. So they are calling you and you have already sent the payment two weeks ago. Their customer service is awful. After you tell them the payment is already been mailed they say well should be expect the next one to be late. How Rude can they get. This company sucks BEWARE!

by Anonymous From Litchfield, MI on September 15, 2007

In my last posting I forgot to mention that Vanderbilt has put my loan payment history on my parents credit report. I called to ask for it to be removed and I was told that they could not do it without my parents SS#, I said that was funny that they were able to put it on with out a SS#. The only way they were able to get my parents information (address, DL# etc) was because of the calls to my parents asking for a payment on MY loan. Please if you are thinking of this company run, don't walk the other way.

by Tired of Vanderbilt From Litchfield, MI on September 15, 2007

Working with Vanderbilt has been one of the most undesirable experiences of my life!! The unethical behavior of this company has left me to wonder where they come up with some of their "Mr " and "Mrs". "Miss Donna" called my parents and asked if we were going to live with them after they foreclosed! I called the AG of my state to file a complaint about this and other unprofessional behavior such as giving information to neighbors and family that is by law confidential. After talking with a supervisor from Vanderbilt and having my account rep changed I did not finish the complaint with the state, bad choice... After reading all of these accounts I wish I would have. Please every one file a complaint with the Better Business Bureau of TN and also one with your states Attorney General. Make sure you know your rights, have them on hand to remind these uneducated collectors how collections can and can not be made. You can also request by writing to Vanderbilt that the only contact to be made on your account is by mail. That should help in decreasing the lovely phone calls. Also remember that releasing any information about your loan is a violation of the law (at least in my state, be sure to check your local laws). I hope that by being assertive and knowing your rights will help in keeping your sanity while dealing with Vanderbilt.

by Moe From Knoxville, TN on September 14, 2007

I just want to thank everyone for the information, I live in an apt and got approved by Vanderbilt! After some research I decided not to deal with Vanderbilt and try to find another company.

by JUST PAY YOUR MORTGAGE From Greensboro, NC on September 09, 2007

IVE READ THROUGH THESE ARTICLES AND HONESTLY I'M TIRED OF PEOPLE COMPLAINING ABOUT PAYING THEIR MORTGAGE WHICH I MAY ADD SHOULD BE YOUR FIRST PRIORITY IN DEFENSE OF VANDERBILT A LOT OF OUR CUSTOMERS WAIT UNTIL THEY HAVE GOT SO FAR BEHIND THEN TRY TO CALL AND WORK OUT A PAYMENT PLAN ITS TOO LATE AND EVEN IF THEY DO CALL AND YOU ASK THEM WHY THEY ARE LATE THEY HAVE A DUMB EXCUSE LIKE I HAD 2 PUT MY DOG IN THE HOSPITAL OR I HAD 2 BUY SCHOOL CLOTHES ITS ALL ABOUT PRIORITY I'M YOUR KID AND YOUR DOG WOULD RATHER HAVE A ROOF OVER THEIR HEAD THAN SOME NEW CLOTHES OR A SHOT FROM THE VET. IN ALL FAIRNESS I'M A HOMEOWNER TOO AND THINGS HAVE HAPPENED IN MY LIFE BUT I WILL ALWAYS PAY MY MORTGAGE B4 ANY OTHER BILL SO MY FAMILY WONT BE OUT IN THE COLD. IT IS NOT THE RESPONSIBILITY OF YOUR MORTGAGE COMPANY TO BE FLEXIBLE WITH YOUR LIFE CHANGING EVENTS !

by Anonymous From Fort Worth, TX on September 07, 2007

by Anonymous From Gloverville, SC on August 31, 2007

They are definitely the worst. However I armed myself with documentation from the federal housing authority and the fair credit reporting act and they backed down real quick. For 5 years I was on the bi weekly payment plan and was never late however one month due to them debiting my act for the full payment in error my draft was returned and I was removed. They have since refused to put me back on the plan which is the only way I can make the payments on time it takes 2 checks to come up with the payment that started at 490.00 and is now 740.00 they call me constantly but I have stopped answering when I call and make my pmts they ask me why it's late and i tell them read the notes same reason it has been for the last 5 years. As far as sending someone to my home they did that @ 7:30 in the morning my advise get a dog I have one . They don't send anyone else to my house.

by Anonymous From Littleton, CO on August 31, 2007

Vanderbilt Mortgage is mysteriously so close to the way Freedom Homes operated, it's scary. They do not know or care what real customer service is. I wonder if an attorney would take on a class action suit against these people to get them to treat people fairly.

by Rick From Remlap, AL on August 24, 2007

These people at Vanderbilt Mortgage are nothing but the lowest, non-caring, hard-hearted people in the industry and by the way, has anyone else noticed that they kind of or at least could have some type of conflict of interest. First, they sell homes under the name "Clayton Homes", secondly they finance them and it's so convenient that if you have to have homeowners insurance added to your mortgage that they have their own agents/brokers all in the same building. I had to have "simple" surgery a little over 6 years ago which turned out to be quite serious once the doctor (butcher) got inside me and almost killed me on the table 3 out of 3 times that he had to operate within 24 hours. This has left me disabled going from $75k per year salary to Social Security disability which took 2 years to get. I had the 3 month amount of money put away but with it taking 2 years to get social security started, I was 21 months short. I've managed to scrape and claw to keep our home. I also have 2 small children which caused my wife to have to quit her $30k job to take care of because the doc really fixed me up. Anyway, the people at Vanderbilt have threatened to foreclose many times because my payment was not in their little hands within minutes after midnight on the first of each month even though the paperwork that I signed says that my due date is the 23rd of each month. I lost automobiles but not my home and kept food on the table for my wife and my kids. They would not work with me in any way, shape, fashion or form. I even had them call me and threaten every thing under the sun. As an example, they called me on the 2nd of the month and by they way, Social Security doesn't pay everyone on the first of the month, if you had it prior to a certain date you still get it them but otherwise they have gone to the 2nd, 3rd or 5th Wednesday of each month, anyway a little background information there, but they called and this was their exact words, "Well you better spend the night tonight packing everything up because we're going to have someone there first thing tomorrow morning to pull your home off of your lot and take your land too." I told them they were crazy and started laughing at them and then she started screaming at me and who ever was monitoring the call also jumped in and started screaming at me and I mean loud enough that my wife heard them 3 rooms away over the TV and the children playing. I was current by the grace of God and there was no reason for that. I hung up on them, called back and after being on hold for 15 minutes talked to a guy, gave him the name(s) of the individuals and stated that I wanted to file a complaint, he begins to laugh and said, "we all heard the call and there was nothing wrong, in fact we're still laughing about it." I asked for a supervisor about 4 times and was refused and they finally hung up on me. This is just one of MANY BAD experiences I've had with them. They say that they don't defer payments and even had one guy tell me that he had just had 4 homes reposed in Louisiana after Katrina came through because the people refused to pay and they did not defer payments. I thought that was the most cold-hearted thing that could have been said. They have even sent a total stranger, not even anyone associated with their company, to my door one morning. The guy handed me a piece of paper and said that someone from Vanderbilt Mortgage called him and asked that he go to my house, give me her name and number which he had scribbled down on some scrap paper, and tell me that I needed to make my house payment. I have MANY other experiences, all bad but I must go for now and watch and wait for the next call from them.

by Anonymous From Cantonment, FL on August 22, 2007

they suck

by Rick Pfingsten From Lebanon, TN on August 18, 2007

going thuough the same problems know how everybody feels

by kb From Columbiaville, MI on August 16, 2007

I am currently defaulting on my home loan now with Vanderbilt Mortgage, I have lived in my home with my husband for over 6 years and have managed to pay a whopping $2000 off our $48000 balance. I just received a letter today telling me that they will be auctioning off my property in a week, and from what my neighbor had said (he's defaulted too, we're the 4th in a row of 8! we live in Mi, what do you expect) he had said the park purchased his home for $15000 and he's responsible for the rest. Does this make sense to anyone? How can they sell it for so cheap and make us pay the rest? This doesn't even seem legal! If anyone has any comments let me know, I feel for everyone that's posted a comment because I know exactly what you're talking about. We had never been late until this last year when my husband couldn't find work and I had to go back to work after being home with our child. I can't stand Vanderbilt and would never, ever tell anyone to deal with them.

by Butterfly5 From Gaston, SC on July 31, 2007

Vanderbilt is absolutely suck. The employees are uninformed & rude.The comments they make toward customers are uncalled for & demeaning. I've been called white trash & told I was unfit to have children if I cannot provide for them .The nerve of these employees. I strongly urge that you NEVER do business with this company

by sandy From Pikeville, TN on July 31, 2007

I ABSOLUTELY HATE THIS COMPANY. I'VE BEEN CUSSED AT, THREATENED. HAD THEM TO COME TO MY HOME AT 9 AT NIGHT. THEY HAVE NO HEART, COMPASSION, DONT EVER EVER USE THIS COMPANY.

by April From Trenton, GA on July 28, 2007

I think Vanderbilt sucks major. They call constantly even after you've made arrangements. We are not even a full month behind and they have called my husband and his ex-in laws to verify arrangements. Like the ex's parents would know anything about it. I hate them. I hope they die.

by 79316 From Brownfield, TX on July 26, 2007

it started pretty good at first but then my ex husband feel behind on payments.He didn't pay insurance nor taxes so vanderbilt decided to pay and add it to the payment. well now I cant afford it because we started at 433 a month and now I'm up to 740 and now I'm by myself and raising my 2 year old daughter and I cant afford it. I'll probably end up loosing my house. And the bad thing is that I can't even refinance because my credit is no good cause of my ex. So basically I'm screwed!!

by EL PASOAN From El Paso, TX on July 25, 2007

THIS IS A HORRIBLE COMPANY, THEY WILL NOT WORK WITH YOU, THEY DON'T CARE IF YOU HAVE MONEY PROBLEMS, I HAVE ALSO ASKED IF THEY CAN DO A DEFERR PAYMENT. VANDERBILT SAY THEY CAN'T DO THAT BECAUSE IT IS A GOVERNMENT LOAN. THEY ALSO TOLD ME THAT WE DID NOT DESERVE THIS HOME SHE COULD NOT UNDERSTAND HOW WE QUALIFIED. WE HAVE ALSO BEEN BEHIND CAR PAYMENT AN OTHER LOANS AND THEY WERE MORE THAN HAPPY TO HELP US. I REALLY WISH THAT SOMEONE OUT THERE CAN HELP US OUT. IN THIS WORLD TODAY EVERYONE STRUGGLES SOMETIME OR ANOTHER. I PRAY DAILY THAT GOD WE HELPS US NOT TO LOSE OUR HOME. BUT READING ALL THESE GIVES ME AN IDEA OF TO EXPECT.

by Barbara From Mendenhall, MS on July 24, 2007

This is the worst company to deal with. I was two months late on my mortgage. They told me I had 24 hours to pay or we could move out. I did not pay until a couple days later than the 24 hours. Do not let these people harass you. It takes longer than two months for them to do a foreclosure. I called 995 hope and I called them back armed knowing my rights. If you are considering a mortgage, DO NOT USE THESE ORGANIZATION. THEY ARE HORRIBLE!!!!!!

by Ro From Converse, LA on July 19, 2007

I also have a home financed by Vanderbilt Mortgage. I can't stand the company. I totally agree with all the comments that I have read they are very rude and they have no compassion. I am not on the loan so if I call with a question they always tell me that they can't discuss the account with me because I am not on it, but they sure don't have a hard time taking a payment from me. I can call and set that up with no problem. I always mail my payment. If they have not received it by the due date or a couple days later they are calling. They have even called my Father in Law and discussed the account with him. I don't think they had any right to do. I thought this was suppose to be confidential information. They can't talk to me but they sure don't have a problem talking to everyone else about our account. I would not recommend Vanderbilt to any one I wish we would have never went through them. We are in the process now of trying to find someone to refinance our home for us so we can get away from them.

by Amanda From Athens, AL on July 15, 2007

Vanderbilt Mortgage is a horrible company to deal with. We paid them all the money we had except $42 to catch payments up. A manager calls my father and told him that it looked like I couldn't keep my promises and my husband never paid anything in his life. It was 6:58 at night when he called my father told him he was closing at 7:00 and if we didn't call before then that it was too late for money. He would begin foreclosure first thing the next morning. Turns out he was just talk because we called the next day and talk to one of those "MRS." and she said everything was still alright. I have never had a company call family and discuss our character or what he thought it was. They are horrible, it is like the employee's don't have a heart. I was having money problems that I didn't expect and who knows the way they treat people may come back to haunt them.

by Linda From Hazleton, PA on July 06, 2007

They're a TERRIBLE company. They harass and harass, they even drug my neighbors into it having them come to me with 'notes' to call Vanderbilt. I've been told to sell whatever I can I shouldn't have TV or a phone if I can't pay my mortgage. I listed them on theripoffreport.com and was VERY SURPRISED TO SEE THE AMOUNT OF OTHERS THAT HAVE ALSO BEEN HARASSED BY VANDERBILT! I reported them to PA's Attorney General due to all the harassment the yelling at me the constant harassing phone calls involving my neighbors in my business etc. They REFUSED to accept a payment to cure my default 1 day late-had they taken the $1044 on the day I get I get my SSI I wouldn't be in the situation of losing my home. They told me not to bother making anymore payments and 'to save my money and find another place to live' and that 'they would make sure I was thrown out of my home. THEY ARE TRULY A TERRIBLE UNETHICAL AND HORRIFIC MORTGAGE COMPANY! They have made my life hell and have upset me and my family more than I can tell you. IF YOUR SMART YOU WON'T GET A LOAN FROM VANDERBILT! And do check out WWW.RIPOFFREPORT.COM and look up Vanderbilt.

by Brenda Johnson From Kodak, TN on July 04, 2007

The harassment never stops.

by anonymous From Edmond, OK on June 26, 2007

We have had our house for 3 yrs and have been in default once.We are close to our 2nd default now and are being harassed on a constant basis.These people have no sympathy for someone having money problems and don't seem to understand how hard catching up can be.Not only are you broke but now you're expected to double up on pmnts.That's ridiculous.Now we're a week from being in default and we made an agreement last Friday to make a pmt by noon on Saturday.Thirty minutes after making this verbal agreement they send someone from the sales lot to take our air conditioner...On a Friday afternoon at 3:30,it's 94 degrees, and we have 3 young kids.They weren't succesful with taking it but did manage to drain all the freon,cut the thermostat wires, and disconnect all power to it.It was a horrible,long,miserable night.Then,it cost me 300.00 to have a tech come out on a Saturday, which came out of the money I agreed to pay them,only fair I thought.So we didn't make our noon cutoff on the pmt.Now it's Monday and these mother fuckers said we have till Friday to vacate the premises and claimed they had nothing to do with the air conditioning when the son of bitch that showed up to take it told us he was told to take it back to the sales lot and lock it up in the gates.I won't rest until I get them to admit guilt and accept my pmt on another scheduled date.Please,if anyone has experienced similar bullshit,comment on it and maybe we can all figure something out.

by Anonymous From Austin, TX on June 25, 2007

by Anonymous From Bronson, FL on June 20, 2007

Vanderbilt Mortgage sucks my husband was in the hospital for a few months we got behind and now they are foreclosing on us we have 3 children and no where to go they could care less

by Daniel From Lake City, SC on April 20, 2007

I too have a home finance by Vanderbilt.This company is the worst i ever seen.They increased my payments by 75 dollars without my knowledge.They claim it was for insurance they placed on my home,but when my insurance co.verified that i always had my own coverage they then stated that they did it for taxes they paid on my home.The only problem with tha is I filed those taxes in my bankruptcy case but they still trying to force me to pay or lose the home.I have received several legal papers from different lawyers from them.It gets bad when a company is allowed to go in court and tell lies without having to prove their statements.Vanderbilt did all that to get relief from the courts.My payments was not behind then,now they are only because they blocked my payments from western union.Now I am forced to either pay this company money that i can prove i do not owe them or lose the home.I get letters that they try to intimidate me with in order to pay up.I have done all i know to do with no help in sight.I could see if i defaulted on my acct.but i didn't.This company did all these things without telling me or my lawyer anything.How was this company allowed to increase my payments without my knowledge then waited until they said i was behind 895 and that don't add up because if they add 75 to my payments starting in December then when they went to court in January it should have been 150 because i was still paying my monthly payments of 390.None of this makes any sense to me.Now they say I am 1500 behind and by my count that isn't correct because i only owe 2 payments and thats only because they refuse to accept my payments for the last 2 months,so how is any of this my fault.Vanderbilt was in the wrong from the beginning and they refuse to speak with me unless i agree to pay by a certain date or lose the home.What can i do next to rid myself of these horrible people.It is a shame when you have honest people working hard and paying their bills and to then have a company like this abuse them for no reason at all only because they feel like they can get away with it if anyone can help me with this problem contact me at liswil2007@yahoo.com

by Michele From Huntington Beach, CA on March 27, 2007

My manufactured home loan was acquired by them from Chase Manhattan. Everything was fine until I became disabled in 2005 and in 2006 I fell one month behind in my mortgage. Because I was making less money, I wasn't able to catch up. They were very nice up until January when they transferred my account to a place where everyone has a thick southern accent. They no longer give you a name, but only a last name with a Mr. or Ms. attached to it. They call me every other day harassing me and calling my parents harassing them. When I told them that I was disabled and that I am now back to work, they are still very harrassing and very rude to me even though I am only one month behind. When I asked that the payment be put on the end of my loan they said they only do that in dire circumstances - hello!!!! wasn't my situation dire? They are terrible. If you have good credit and never look to becoming ill or falling behind, then go with them, but they will be very harassing if you fall even one month behind.