Complaint Review: Vanderbuilt - Clayton - Home First Agency

Vanderbuilt financed a home for me. On the loan papers there there were two different prices on how much the loan payment would be. I signed up for the automatic bank payments. They started calling saying that the payment I was making was not the right amount. Duh! They made the payment arrangement. So, I decided to let the home be voluntarily repoed. They went to court and took the land. There were 5 years of insurance that was tacked on to the price of the home. Ok. After the home was repoed and sold they canceled the insurance and the balance was refunded. The insurance was only on the home for aprox. 1 year. They did not give me credit for the refunded insurance. So, I called around and got the name of the insurance company. When I called they told me that only the name was listed and no other information on the policy. Evidentally The State of TN is in on it too. So, I have the dates the insurance was in effect, the cost of the insurance, policy number, agent number and insurance company. So, I called Home First Agency again. They said look, "I have no information in my computer!" I told the rep. I feel like something just isn't right here, because I believe there should be some sort of statue of limitaions that you should be required to keep this information in your records. So, I asked who owns Home First Agency? She replied, Clayton, I said, you answered my question then. You have no information because if they did Vanderbuilt would owe me money after the sale of the home. I bought the land back and they released the lien. If I owed them money they would not have released the lien. But I cannot remove it from my credit. They have me owing $14,000+ which is not true.

Joy420
Avinger, Texas
U.S.A.