Vanderbilt Mortgage & Finance Mortgage Complaint

Vanderbilt Mortgage & Finance Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Texas

I am - now and badly needing help. I have been a good customer with Vanderbilt Mortgage since -/-/-. I paid off the - home in full with them. Then the outlawed grey pipes burst and destroyed the home. They convinced me under duress to put up my land for a downpayment on a new home. In -/-/-, I started making payments regularly on my new home. After a good number of years, they made an accounting error and did not pay my land taxes or insurance escrow for a year. They demanded that amount of around $4000.00 be paid immediately by me. I did not have it. Finally, they let me slide on their mistake for a year, then demanded it again. I did not have it. So they FORCED me into an in house loan modification. They did not lower the interest rate. They barely lowered the monthly payment, made me sign a note that threw my mortgage into a full brand new 30 year loan! PLUS they added a $20000.00 balloon note on the end. The over 8 years of payments I had made which was mostly interest, VANISHED!!!! Now I recently had to lower the amount


to pay this piece of junk falling apart -/VANDERBILT home off. I LOVE my land and do not ever want to have to move. I have lived here 18 years. I am TERRIFIED I will end up losing my home. They have - me worse than I have ever been - in my ENTIRE life!!! I look at the new statements and out of an approximately a $1200.00. payment, only $87.00 is going to the principal. The woman named - who did this to me, is no longer there after telling me she would be there for the rest of her life. Is she in jail? She should be. - I desperately need help and so I called the - - and they told me to come here. Please I beg you to help me. The original loan should have been paid off in 15 years. How on earth is this possibly legal? It can not be legal. I have been preyed upon and they also told me that if I did a land home package, it would increase in value like a REAL house as it would be legally attached '' to the land. Well, they did not put it on a concrete foundation, so no one will refinance me. There are so many scammers out there saying they are HARP but they are not. NO - will refinance me because of the way they set this whole scam up. IT WAS THE WORST SCAM AND I SEE THAT I AM NOT ALONE. JUST - VANDERBILT AND - HOMES. PLEASE help me! I am more than desperate. -