We have never been late on our payments in the last 8 years, not even a late charge. But this doesn't not count for anything. We have had nothing but problems upon problems with insurance claims and vanderbilt. Our roof has been damaged several times from the wind, to only to be told by their insurance company they would only pay half. We were laughed at by contractors by telling them we could only get a partial roof. We had a partial roof put on, only to be blown off again. adjuster sent out. Said they wouldn't pay because work had not been done on it. one last time out of desperation, due to water coming in through the roof and walls, low and behold, we actually got approved for a new roof! We received a check for new roof, had to be sent to vanderbilt to be cosigned. We kept calling, because we never received the check back. come to find out, they took the check and applied it towards the mortgage. Husband said he would retain a lawyer and was told go ahead, it wont help. These people are so cruel and dishonest. no one should ever have to go through the bad situations they create. They are Crooks!

My room-mate tried to talk with Vanderbilt and was treated like a sub-class person. I tried to talk to Vanderbilt and explain all of the economical disasters that had occurred to us in last 6 months. I tried, I believe 3 times in as little as 2 days and got the same response. I was told there was nothing I could do except start looking for somewhere else to live. I've been paying on my house nearly 10 years. All I wanted was an extension on the end of my loan. They said they gave me one in May. But i don't know how it was considered an extension. I paid and caught myself up. I did what they suggested, sold my jewelry, gun, tools, etc. Anything I could get money for just about and gave it to them. They told me as of last week that my case is in legal and there's nothing I can do.