In 2000, my husband and I bought a used home which was financed through a company called Bombardier Capital which 5 years later bought out by Vanderbilt mortg. We purchased this home for 21000 payments $269 plus $30 a month for ins. We had some hard times which led the previous company to put some payments to the back. Once Vanderbilt took over, our payments went up to over $400 a month, saying we owed for back taxes and insurance. Note, our insurance was only $360 a year. They said our payment would be $425 until we caught up and would go back to $269 which never happen. We paid $425 for 2 years and Vanderbilt could not explain what this money went toward. My husband lost his job, they did'nt want to work with us. Harrassing, calling, sending people to our home, taking pictures everytime they came out. Very rude and nasty, threatingforclosure. In 2007, we file a claim for water damage, and roof damage after talking to a rep. they finally sent someone out in 2008. After the adjusters looked at the damage he told they would get back with us. 5 weeks later we recieved the claim which was $6000 that the insurance company say the were not liable for because it was wear and tear over a period of time. So, now my family has been forced out of a home which they forclosed on 02/2009. What is the purpose of insurance on a home that don't pay for any kind of damage. So, this house is on our credit owing the same amount that it was purchased for. We have paid $25800 or more in 8 years on this house.

Vanderbilt Mortgage Company financed a mobile home for Linda Gail and Jimmy Rogers Bown illegally as the mobile home was put on property that was illegally gained by creating a fradulent deed that was signed by a person who could not possibly have signed it due to a paralyzing stroke and someone else had power of attorney over her affairs. They purchase the property from family members and were only to purchase .2811 of an acre. The deed was created for 3 acres of land that was divided property between family members and they should have only purchase the .2811 acres. Once the deed for 3 acres was filed in the county they went back and created another deed for .2811 acres dividing it from the 3 acres that they had originally illegally purchased (3 acres did not belong to the originaly party that sold them the land). The party filed an affadavit of heirship at the courthouse by getting one of the sellers wives and one of the sellers live-in girlfriends to sign the affadavit saying that they knew the ancestors (whom they did not and the affadavid also stated that the heirs to the property did not have children which there were 16 children born to both unions and most were still living). Then they filed a deed at the courthouse with a fradulent signature on the deed that says a wife of the originaly owner signed which she did not because she was in a nursing home and had had a stroke that incapacitates her and she could not possibly have signed this deed. The affadavit and deed were notarized by a local notary who when approached agreed to sign an affadavit saying she did not notarize the deed nor affadavit eventhough her seal was on it. The affadavit stated that she was approached to notarize the paperwork but she declined because she knew the lady was not able to sign the deed nor affadavit. My complaint is that Vanderbilt Mortgage placed this mobile home on the property and the land was obtained by illegal means. My family have since hired an attorney and is seeking criminal charges against the parties involved but Vanderbilt Mortgage as a company has the responsibility of making sure that when they finance a loan that the property actually belongs to the person purchasing the property before the put a home on that property.

I got my mobile home through them in November of last year. BIG MISTAKE! Since the beginning, the amount owed has been wrong. I have asked them several times, Jessica and Ashley, they say that it has to be put that way, and everything is fine, even though they put down that I owed November. I have a contract that clearly states that the payments were to start in December. I later got behind of $200 due to my disability check getting messed up. Now they say I owe $1, 484.00, and sent a letter to me, and said that they were going to foreclose on me, sent by Ashley, of course. As a disabled person, I have been doing everything I can to come up with more money. Ashley calls me every week and rudely bugs me all the time about it, and now this. Vanderbilt is worse than Elsea mobile homes, and that is really bad!! And if anyone from Vanderbilt reads this, I am telling you to BRING IT!! I HAVE THE PROOF THAT I DO NOT OWE NOVEMBER, AND I AM NOT OVER A THOUSAND DOLLARS BEHIND!! I ALSO HAVE PROOF THAT I PAID FEB. PAYMENT, THAT YOU REFUSE TO ACKNOWLEDGE. I think that all of us need to get together, and stop them from doing these horrid things to people. I invite anyone that works there, to walk a mile in my shoes, and let me hound you to get out of your house, and lie and say you owe more than you do!! They are suppose to be there to help people have a home, not to try to make them homeless.