Brent

High Point, NC

#22 Dec 21, 2012
From Belfry Kentucky wrote:
Vanderbilt Mortgage Finance Company for Clayton Homes is ripping people OFF,I love to know how someone with a bad credit score of 520 can get on new home.I know a young lady who just got a new from them the home cost $52,000 she financed it with VANDERBILT she will be paying back $250,000 .So watch what you sign with them it's a RIPOFF
They can get one because it has a title and you can take it back like a car. This is why rednecks live in "doubly wides." They don't pay bills so they have a bad credit score. So they CHOOSE to make payments and are essentially "renting" the trailer. They were NOT ripped off. They don't deserve a better deal. The company has to make a certain spread to be worth the risk.
Don't like it; Don't buy it.
BE RESPONSIBLE
( if you want to whine, then seek entitlements, vote Obama, be lazy, and accomplish nothing in life while you blame someone or something else for your woes, and wait for the government using taxes off hard working folks who WORKs to support you)
Big Man

United States

#23 Dec 21, 2012
Brent wrote:
<quoted text>
They can get one because it has a title and you can take it back like a car. This is why rednecks live in "doubly wides." They don't pay bills so they have a bad credit score. So they CHOOSE to make payments and are essentially "renting" the trailer. They were NOT ripped off. They don't deserve a better deal. The company has to make a certain spread to be worth the risk.
Don't like it; Don't buy it.
BE RESPONSIBLE
( if you want to whine, then seek entitlements, vote Obama, be lazy, and accomplish nothing in life while you blame someone or something else for your woes, and wait for the government using taxes off hard working folks who WORKs to support you)
Ty Claiborne calling himself "Brent".
Brent

High Point, NC

#24 Dec 21, 2012
Big Man wrote:
<quoted text>
Ty Claiborne calling himself "Brent".
???
Brent

High Point, NC

#25 Dec 22, 2012
Guardian wrote:
This person is correct. Vanderbilt mortgage is every bit as bad as the "check cashing services" which ultimately charge up to 300% interest. Vanderbilt preys upon the lower educated and lower class to make their money. They also have collections people that are very unethical. They will scam the person into paying them some to quit harassing them, then turnaround and swear they never received it. Seen it multiple times. I am an advocate for
the poor and oppressed,and time and again I hear these true stories. Shame on you Vanderbilt/Clayton. It's not an issue of not paying, it's about taking advantage of those who are vulnerable. The Vanderbilts would never have allowed their name to be associated with
this hoodoo back in the day. Say what you want about their wealth, but they were at least mostly ethical.
Hogwash. This commenter is an ideologue who voted for Obama. Clayton is in the rental business. Few ever pay the trailer off, and the company sells something to a market not many even want to mess with-people who don't pay their bills. Otherwise they could not purchase a home in the first place. Clayton is one of few left around because they have their own financing. There were so many repos in the 90s due to rednecks, Indymac, Deutsche, and dozens of other banks and dealers went under!
Don't like it; don't buy it!
BE RESPONSIBLE
Brent

High Point, NC

#26 Dec 22, 2012
Guardian wrote:
This person is correct. Vanderbilt mortgage is every bit as bad as the "check cashing services" which ultimately charge up to 300% interest. Vanderbilt preys upon the lower educated and lower class to make their money. They also have collections people that are very unethical. They will scam the person into paying them some to quit harassing them, then turnaround and swear they never received it. Seen it multiple times. I am an advocate for
the poor and oppressed,and time and again I hear these true stories. Shame on you Vanderbilt/Clayton. It's not an issue of not paying, it's about taking advantage of those who are vulnerable. The Vanderbilts would never have allowed their name to be associated with
this hoodoo back in the day. Say what you want about their wealth, but they were at least mostly ethical.
Of course it's an issue of not paying. Cornelius Vanderbilt lived in a modest home although he wad was the richest man in the world. His descendants built mansions. Why? Because they never worked for anything, and were not responsible. You comments are idealogical.
A guardian for the oppressed and vulnerable?
Please, you obviously need to go down to any docket and watch the vulnerable rip off their landlords. I doubt you have ever owned a business.
Let's build a statue of Responsibility on the west coast to balance out our liberties!
BE RESPONSIBLE America!
marcum204

Victoria, TX

#27 Jan 6, 2013
they are probably as bad as green tree which i had a loan through them
Lisa

United States

#28 Jan 6, 2013
WOW! My anxiety level just went way up. Sometimes you just have to do what you have to do. And Brent, just to let you know, some people do make bad choices in life that lower their credit scores. However, other times and more than you think, bad things happen to good people!! Some things are just beyond your control. Pesonally I am just thankful that Vanderbilt was there to provide my family with a home. It was our last option...
Brent

Albemarle, NC

#29 Jan 9, 2013
Lisa wrote:
WOW! My anxiety level just went way up. Sometimes you just have to do what you have to do. And Brent, just to let you know, some people do make bad choices in life that lower their credit scores. However, other times and more than you think, bad things happen to good people!! Some things are just beyond your control. Pesonally I am just thankful that Vanderbilt was there to provide my family with a home. It was our last option...
I agree with you. My response was an agitated one to the original comments who were blaming Vanderbilt for their woes. My point is be responsible. Everyone knows that mobile home financing is not an fiscally wise in most scenarios when one pays retail. People are on here accusing Vanderbilt of ripping people off. That's nonsense.
Tim

Chillicothe, OH

#30 Jan 10, 2013
ICU wrote:
Pay your bills on time and get a decent credit rating and you would not have these problems.
Next the taxpayers will be forced to bailing you out too.
Its people like you that are making this into a third world country.


I had good credit until someone took out credit cards in my name. I wonder if people in 3rd world countries allow this to go on.
My next door neighbors niece took out a credit card in his name and bought drugs with it. She did this by sending the card to a Home that was up for sale, and no the drug dealer didn't take credit cards,at least I wouldn't think so,but she took out a cash advance with it. She walked in his house and asked to borrow the phone, it was that easy.

Kids quitting school and having 5 kids by the time they are 22, just to get a free welfare check. this doesn't hurt this country and getting welfare and then going to a disability check because they claim they have mental problems. Not to mention they go to college for free. WE reward people that don't make an effort.

I have nothing against welfare,but back in the old days if you had a kid you either support it, or gave it up for adoption.

This is why we vote in this country to create a better country, but can you tell me what the political world has done to protect the consumer. They don't do anything.

Home invasions happen every day because people don't won't to work, but the working class that gets bad credit has to pay higher insurance premiums;people have problems paying their bills, so lets raise their bills even higher and lets keep them from getting jobs because they have had it a little rough. Lets just smear them in the mud and be done with them.

vanderbilt mortgage is a rippoff or they wouldn't have 100000 things wrote about them on the internet.

Firepixie

United States

#31 Jan 11, 2013
You do realise when you purchase a Clayton home that they do work with all banks and not just Vanderbilt. So it is your job as an intelligent person to go find out which bank will or lender will get you the lowest rates so that you are not getting screwed over.
Firepixie

United States

#32 Jan 11, 2013
Plus I would like to say unless you work for the company or know someone who does then you do not know anything about the company or how it is ran. Several people pay off their manufactured or modular home and want another 10 years down the road because they loved the product and the customer service.
j sharp

United States

#33 Jan 12, 2013
I pray that everyone who works for or even with Vanderbilt gets the shits!!! I have had my mobile home for only 5 years and the I have been harassed about being a little late. It had even come down to them foreclosing on me until I field for bankruptcy. Every day something is falling apart in this polished turd I live in. Now I would give anything to have just let them foreclose.
Rip Off

Bedford, TX

#34 Jan 14, 2013
Vanderbilt Mortgage Company is the most rudest, unethical company I have ever dealt with. They really need an overhaul on their customer service department because being rude and hateful is not the way to do business. Are they not living in 2013, do they not see how the economy is? How many people are unemployed? Or maybe sick with a devastating illness? They do not care about their customers, they care about their commissions. They like to remind you of what kind of loan you have so they can tell you the law. Be smart and read the laws in your state and do not let them push you around. They can say anything they want. Record them when they call you so that if you do go to court the judge can hear how they talk to people. Judges do not always take the companies side just and FYI especially with today's market and people being forced to foreclosed on their homes.
Sad

Dayton, TN

#35 Jan 16, 2013
I agree!!!!
Oh Really

Dekalb, IL

#36 Jan 17, 2013
From Belfry Kentucky wrote:
Vanderbilt Mortgage Finance Company for Clayton Homes is ripping people OFF,I love to know how someone with a bad credit score of 520 can get on new home.I know a young lady who just got a new from them the home cost $52,000 she financed it with VANDERBILT she will be paying back $250,000 .So watch what you sign with them it's a RIPOFF
You do realize that this means that she would have had, like, 500% interest, right? That is not possible. You may want to check your facts.
Cojak

Winnsboro, SC

#37 Jan 18, 2013
The only people whining about Vanderbilt are irresponsible, entitled, "what have you done for me lately" idealogues who have resorted to a double wide because their credit stinks. Pay your bills on time and establish credit if you don't like Vanderbilt. There are few people with descent credit who purchase a "house" on axles. For the type of risk they take, Vanderbilt's terms are fair.
taz

United States

#38 Jan 20, 2013
When I 1st started with Vanderbilt they were great. Then I needed surgery. I spoke with some idiot almost every day to see what arrangements could be made. I was jerked around but had the surgery because iI thought it was being handled. About 4 days after my needed surgery, some witch from Vaderbilt called., extremely rude asking about my payment & why havent I called them. I told them who I had been dealing with & there was no record of any conversations or arrangements. That was the beginning of the end. They never even completed the punch list or re- leveled at a year like the contract said. They are slow to discuss thst or make restitution but quick to jump my ass if the payment isnt there on the 1st. I would not recommend them to my worst enemy! arrangements.
Cojak

Winter Park, FL

#39 Jan 21, 2013
taz wrote:
When I 1st started with Vanderbilt they were great. Then I needed surgery. I spoke with some idiot almost every day to see what arrangements could be made. I was jerked around but had the surgery because iI thought it was being handled. About 4 days after my needed surgery, some witch from Vaderbilt called., extremely rude asking about my payment & why havent I called them. I told them who I had been dealing with & there was no record of
any conversations or arrangements. That was the beginning of the end. They never even completed the punch list or re- leveled at a year like the contract said. They are slow to discuss thst or make restitution but quick to jump my ass if the payment isnt there on the 1st. I would not
recommend them to my worst enemy! arrangements.
Just as I noted above. People who feel entitled and don't pay bills. Look at this person above. Because he us getting a surgery he thinks it's Vanderbilt's problem to solve the fact he can't pay his bill. He's a solution: move out of the trailer and move in with somebody else or whatever- but it us NOT Vanderbilt who is a a bad guy because you cannot pay your bill. This is the way people think today; always blaming someone for their woes. The World War 2 generation wad the Greatest Generation because they did not think like this. This entitled thinking is why Obama was elected- by people who want free stuff; people who want to blame others; people who want the government to coddle them into a socialist society.
BE RESPONSiBLE
Vanessa Nicks

United States

#40 Jan 21, 2013
When I pay this trailer off I will never finance threw them again all they do keep calling my house phone the customer service rep don't know how to talk to u in a respectably way I get to where I just do not answer there calls they have been charging me 43 dollars more on my trailer payment for insurance then they wait until I about to get threw paying for the mobile home then tell me if something happens to it the insurance money will go to them I want get anything what a ripped off
unknown

Chester, VA

#41 Jan 22, 2013
They r nothing but ripoffs they forclosed on me and they got the home but they also got my land whicj was worth almost more than the home and six.months later they want to vall amd say there are..judgememys on the land. They gotsome nerve tjey wouldnt make repairs the main waterline broke that they put in refused to pay for it even though i payed for the insurance which caused me to have a 3000 dollats waterr bill thats the judgement. What else do theywant they got my home andmy land and still they r calling to bothering me. The home had black mold cause the roof leaked fuethrm not foxing anythingno matter who youtalked to. Yjey r ride and uneilling to helpanyonerven whem the ptedofent dayd thrsuppose towork wiyh u they.t asshole and dont Care anout noone but themselved.DONT BUY FROM THEM THEY WILL ONLY RUIIMG YOUR LIFE

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