Melissa
Jamestown,#2Consumer Comment
Sat, July 23, 2005
if i were you id have your father in law to send them a certified letter(if he can afford to do so get a lawyer to write it up)tell them they have x amount of days to remove the mobile home from his property or it will be impounded.let them pay the impound fees.you have the right to evict it from your property.if they continue to call you sue their butts for harassment.also charge them rent for every day the mobile home was on your property after their time runs out. my sister had a mobile home financed from greentree/greenpoint on my property and we are currently going through the same ordeal.rude late night or early morning calls,threats and accusing me of lying about her death.i wouldnt want my worst enemy to live in the mobile home she had much less keep it.perhaps the employees that defend them should have to deal with them for awhile.
Jason
Simpsonville,#3Consumer Comment
Tue, June 21, 2005
You complain about the shoddy construction and workmanship on a mobile home, and refuse to pay the financier for it? That's fighting the wrong people. Any complaint you have is with the manufacturer/dealer, not with the finance company. The finance company cares about one thing, getting their money. You signed documents saying you would pay them in a timely manner (Which you admit you have not done). It doesn't matter what happens to the home, what is wrong with the home, you owe them that money. Now, you move on to basically a voluntary reposession, but yet you state the home isn't fit for habitation. Normally, they would reposess it and then resell it, and you would owe them the difference between the payoff amount of your loan and the selling price. However, since it's not fit for habitation, it's obviously not sellable, therefore, you owe them the difference between your payoff amount and the selling price ($0). While there are laws about the times that they can call you, you're still on the hook for the payoff amount of the loan. As for late fees, etc. That I am not certain about. If you buy a brand new car and the car is a lemon, you go back to the dealer, you don't refuse to make payments to the finance company. This is no different than had a tornado hit the trailer and destroyed it. If you had no insurance, then you don't escape paying for it. You're paying for something you don't have. As for being harassed, what constitutes harassment? Someone calling asking you to pay the money you owe? You are responsible for making sure your payments are sent on time. Since you think the finance company should have eaten the $1000 for their mistake, how much should you have eaten for your "mistake" of not paying the bill? They seem to have done the right thing to correct their mistake by allowing you to pay part and adding the rest on to the end, rather than saying "Pay it all now", which technially would have been their right to do, but wouldn't have been the right thing to do. Outside of the late night calls, if true, the finance company has done nothing wrong here. The law is that you are eventually either going to pay the amount due, or they're going to sue you and win a judgement against you. Of course, you could sue them for the late night calls, assuming you have proof, and after lawyer fees and time at court, you'll walk away with a couple of hundred dollars... Which will probably be applied to your $24,000 balance.