My husband was approved for a loan through 21st mortgage 6 months ago. We found out in mid November we had bed bugs in our home. I walked to our neighbors home to ask if they had been having any issues with bed bugs or known anyone else in the mobile home area that has had this problem. They said they weren't having bed bug problems but knew they owners that lived in the home just a few weeks before we bought the house had been dealing with bed bugs, couldn't get rid of them so they left everything. All my neighbors vouch the previous owners left the house as it stood with everything they owned in it.
So 21st came in and did their sloppy job of cleaning everything up, painting, and laying new carpets. Knowing fully well there was a bed bug problem. Sold us the home anyway. It cost us $1, 800.00 to have terminix come in to do a treatment with a 90 day guarantee. On top of that our dog fell ill and had to have surgery to remove a mass in his stomach, that cost $1, 500.00. My husband hasn't been getting many hours at work and over just that short time we blew through our saving and fell late on all our bills, including our mortgage.
A man named John called last night at 9:00pm from 21st Mortgage. We were all asleep so I called him back at his extension today. He was very rude right from the beginning and wanted to know the reason why we were late. I tried to explain to him we had bed bugs and a sick dog. He told me my mortgage payment should ALWAYS come first no matter what. I brought up the bed bugs again, he told me that was my problem and maybe I should clean my home better. I told him how sick my dog was, he told me I should have let him die. That I had to make the payment by the end of the day or we would be kicked out. I told him my husband got a Christmas bonus on the 21st and I could pay then. He wouldn't budge. Told me I should sell some jewelry for the money. I told him I didn't have any valuable jewelry. He told me to sell my wedding rings. I started to get upset and he must have heared my 3 year old daughter in the background because he told me as a Mother it is my responsibility to take care of my child and that included keeping a roof over her head, and that I wasn't fit to be a Mother. At this point I'm sobbing on the phone.
He told me the only way I could pay was Money Gram but said he wasn't going to give me the information because he didn't trust I was going to make the payment, and wanted to know how I planned on working out my finances so that it wouldnt happen again. I'm a very shy and meek person, and often let people manipulate me and bully me, which is what he was cleary doing. After begging him he finally gave me the information to make the payment.
I went to Walmart and made the payment after borrowing money from my brother, came home where my aunt showed up. She saw how upset I was and called the supervisor at 21st. She was just as rude and understanding, said I didn't deserve sympathy and that I need to learn how to budget my bills. There was nothing she could do and that they record all conversations for quality and she didn't see anything wrong with the way John talked to me. Tired of beating a dead horse my aunt hung up.
I feel very wronged by 21st for selling me an infested house. For being so rude, for treating me the way they did, and for the supervisor to do nothing. How does a company like this even make it? If you have any plans on buying a home through 21st please do not do it! Very unmoral and unethical company!