My husband and I also have the misfortune of having to deal with 21st Century Mortgage. The company have the laziest bunch of business professionals I have ever dealt with. They will not contact outside insurance companies, you have to contact them and tell them to fax a copy of your payments to them. Also like one of you our payment was late but it was not our fault the post office had lost the payment and they threatened to forclose. We had never been late with payments so this kind of hostility we felt was very rude and unprofessional. My husband recently died and they do not even want to talk about refinacing, why should they when they have us at 13.9% interest.
Fighting with this company for ten years. Corrupted, decieves, inaccurate statement, no billing statement, fraundulent, counterfeit fees, harrassing phone called, manipulate and no correct form of tax statement and being sued by this
company and being sue again without proof of where and why I'm being sue for. They even added my wife on the lawsuit and she's not on the house contract. They threaten me every year on Oct. Nov. and Dec. and every year I have to use my irs monies to paid them in Jan. If you know or how to get help please notify me.
On 04/13/11 I was forced to do a stop pay on a half payment to 21st Mortgage Co. that was due on 04/15/11 so that I would not incur several other overdraft fees. I called 21st Mortgate at about 8:30 on the morning of 04/15/11 and told them that I had to do the stop payment on their check and let them know that I would pay a payment on 04/22/11 and on 04/29/11 to have the payment in before the end of the month. The supervisor even agreed to this and that was the end of the conversation until the next morning when I reallized that 21st had instead sent a paper check throught to the bank to get aroung the stop pay. There for putting my checking account in default. This seems to be a trend for 21st Mortgage to fraudulantly get more money from their customers. Last month they had the never to send me a letter stating that I had agreed to make a payment on a certain date when I adamently did not because I going on a medical LOA and did not know if the monty would be in my bank in time or not. A couple of years ago they took over my property taxes without even telling me. They just went to the tax department and paid them and raised my mortgage payment by $130. + each month. I never even knew they had paid these until I called to make arrangements to pay these and the tax department told I didn't owe anything that 21st had paid them. When I told 21st I didn't want them to add the taxes into my m ortgage payment they told me I did'nt have a choice that it was already done and I could not stop it now. There is also a matter a a fee of $39.00 that is c harged to the accounts that noone can explain what this fee is. I strongly urge anyone to stay away from 21st Mortgage co. for your own financial welfare. I am retining a lawyer to take care of my legal needs at this point.
Victims of 21st mortgage, please read this post to the end. I know this is lengthy, but it may hold some answers for you or a loved one. God bless you all and may he give you the strength to fight back!
I would first like to address silverado99. I've been watching you closely for quite some time now. The problem I have with you is that you never seem to deviate from your response to any and all complaints against 21st mortgage corporation. We can all see that you have your copy and paste experience down to a science. To date, you have exhibited your talent with the same response at least 21 times on this particular complaint board, all of which say the same thing. As a matter of fact, having done some research, I found that your response is the same on other complaint boards as well. For example, /link removed/ what I would like to know is... Who the heck are you, and since when has 'your' corporation decided to start following federal privacy regulations? Come on now! Don't pee on me and tell me it's raining! 21st mortgage corporation's idea of 'resolving a complaint' is a joke at the very least. I can't believe you even have the audacity to post a response like that to the people you crap all over on a daily basis. Tell me silverado, are you seriously going to continue to defend this mortgage company, despite the fact that you are fully aware that your blowing wind up our butts? Or maybe your a victim of this company who is being forced to feed us this crap in order to keep a roof over your head. If that is indeed the case, please do tell and redeem yourself here and now.in either case, you should be ashamed of yourself for trying to feed us this crappy paragraph over and over again. Maybe if you copy and paste it enough, you'll actually start believing it. Now that's a scary though, isn't it? You and this company of yours make me sick. Hence the nickname I have chosen to use on this complaint board... Silverado99_sickens_me_to_death! Now, having said all that, let me share my experience with 21st mortgage corporation for all who care to read it.
Over the last 10 years, our mortgage has been sold to 3 different company's. 21st being the latest. It's been about a year and a half now, and a nightmare from day one.in this company's mind, there is no such thing as a grace period. Although it is suppose to be 20 days, if our payment was not in their hands by the 1st of the month, the calls would start. First the home phone, then the cell phones. My husband explained that we did not need their 'reminder' calls, and kindly asked them to stop. Well, that went in one ear and out the other. We finally stopped answering their calls all together, at which point they would start calling us private, blocked, and using all the numbers they had at their availability. Now mind you, we were never 'late' on our payments. They were always made before the grace period. So basically, it was just a matter of harassment. Almost as if they enjoyed making our lives miserable. The calls would start at approx. 7 am and continue throughout the day until 10 pm. Now, here is the kicker. This past month, we got a certified notice in the mail from 21st, stating that our payment was short by $70. We placed a call with our financial institution and found that there had been an error on their part, and the immediately rectified the problem. By that time, the damage had already been done and 21st pulled out every naughty in the book! My husband told the woman at 21st that a check would be sent out that day. Well, needless to say, that wasn’t good enough. She told him that they would not accept that check unless it was accompanied with the telephone numbers and addresses of at least 3 different family members, in addition to at least 2 phone numbers and addresses to our nearest neighbors and our employer's phone numbers and addresses! She proceeded to tell us that if they did not get all of this information along with the payment, they would start foreclosure on our home. My husband chuckled and threw in a few choice words and hung up on her. We sent them their check, certified, which they accepted and promptly cashed. Needless to say, they did not get any phone numbers or addresses from us, and to boot, we had our home phone disconnected, and put a block on our cell phones for all the numbers 21st has ever used to contact us. Jokes on you 21st!
Victims of 21st mortgage company, please do your homework! Write a complaint to the bbb. Do some research. Report them to the federal trade commission. Call your local ag's office as well as calling ag's office in tennessee. Fight back! If we all pitch in and do our share, we can bring this company down to it's knees! Check out the following websites.
Never trust 21st Mortgage company.. If you want to finance a mobile home RUN if you are sent to 21st Mortgage. I owned 10 acres. The only place I ever lived. The only land my children had ever known. Our home caught fire and we needed a quick fix and trusted 21 mortgage. My husband and I, financed an Oakcreek 5 br 3 ba through 21st Mortgage corp. Our dream home. Our floor started sagging really bad in the kitchen. OakCreek informed me that in our loan 21st mortgage did not add the 7 year warranty in. So even though we were told we had a 7 years manu. warranty. We did not. Noone would fix it. We were told it would be over $10, 000 to repair a 9 month old mobile home and put a foundation under it to prvent further damage. My husband had an accident and was out of work. We fell behind 1.5 months. They called daily. Called me a liar. Told me i needed to sell all my posessions to pay them. They had me crying on a daily basis. Told me how i did not care if my children are homeless. I gave up. I got a call from their so called respective attorney. He said if I were to sign a deid of lieu that it would not scar my credit as badly as a reposession. He said there would not be repo notices in the paper or repo signs put on my property. We signed and there are signs everywhere. And repo notices all over the web. I lost my home and my children lost 10 acres to play on. Don't let this happen to you. RUN far and FAST from 21st Mortgage. We have moved on and are very happy. So I can't complain about the outcome of loseing everything I had ever knew. See the sign on my gate and there are more at the actual house on the back of the property.
Negative Escrow Amount of $1, 771.77 was added to may account for insurance. I contacted 21st and told them I...
This company has the worst customer service and does not want to work with their customers when they are in...
I was wondering with all the complaints against 21st Mortgage Corporation and yes I have a long list of them myself and currently am behind in my mortgage due to death in family and unforeseen financial hardships and I have tried working with them. Does anyone know or have they gotten any help in dealing with these people? I have not found any way to deal with them whatsoever? I am not having any luck with trying to deal with them on my own either.
My husband had started a home loan with this comapny. Our first payment was due on 9/01. well they never took the auto draft out. we had called them to find out why they kept telling us that our loan has not been booked yet. we asked them when they would take it out they said that they would call us and let us know yeah right that never happened. we found out that hard way when it came out 24 days late. we called them yet again we were told that if the loan was behind that they could not do any auto draft. well that was a lie to b/c two weeks later it came out again. every person that i have talked to has been very rude with me yelled at me, has even told me to put the money in the bank now. They dont need to talk to people like that. we are the reason that those clowns have their jobs. They recently told my husband that if he didnt pay they were going to come after me for the loan Im not even on their. Thats not even legal. Im hoping that after a year with this rip off company that we can find another loan comapny that will treat people better. This is nothing but a bunch of ### hole that like to lie and threaten people family.
I too have a mortage with 21st. I currently have my mobilehome listed for sale. I owe way more that what it's worth. 21st has said that they would accept a short sale, but I would still be responsible for the difference. Has anyone done this with 21st? If I just stop making my mortgage payments, how long does it take before you are forced to move? Will they come after me, like garnish my wages or something? Does anyone know?
Our elderly parents were talked in to getting a Loan for a manufacutred Home, 21st Mortgage approved a Loan that has left them in Financial ruined. The Mobile home company that process the paper work did not follow applicable law and questionable behavior. I informed 21st mortgage and they Did nothing to investigate the potencial fraud. This Company should be investigaged by the FBI and THE STATE Tennesse ATTORNEYS OFFICE.
I have had my loan for almost 14yrs. I have never been late once until I recently was disabled from the military. I have not worked since Nov 07 and my daughter has been paying my house note and all my other bills along with her mortgage payment and her own bills. I was contacted by Lisa at 21st Mortgage about my payment being 4 days late. I explained to her that I had told Brad whom also works at 21st Mortgage that I was disabled and have not received my military nor my SSI disability reward yet. I am currently also on food stamps. I was totally disrespected by Lisa and her so called supervisor. Her supervisor stated Lisa would never be disrespectful. But Lisa was and told me I had no options but to pay on time and was told that did not believe me about having no money. After being talked to like a dog from Lisa, I told her to f off and never call my daughters phone again. Just in Aug 09 my daughter paid 6 months in advance. Up until Feb 2010/ So u would think I could be a little late on this payment. Lisa told me they would also charge me a late fee. so i told them to come foreclose on it if they were not willing to work with me. Since they just took over my loan from Cit as of Feb 09. This company is idiots. They are no longer in business as loan officers. All they are are collectors. 21st Mortgage lost being able to loan money or extend payments. So u know what 21st Mortgage go jump in a lake. Do what u got do while I a veteran of 17 yers of the military will do what I have to do. Bring it on u stupid ###s. I could careless what u do. Because ur not getting my payment until I get the money from somewhere to pay u. U sure as hell didnt mind or be disrespectfull when u got my house payments 6 months in advance. But yet ur going to charge me 50 for being late and yell and try to degrade me. Whatever. I have reported 21st Mortgage to the Better Business Bureau and my congressman for Georgia and will continue reporting 21st mortage for their illegall harrassing calls 24/7 and breaking privacy laws. If you need to contact me 21st Mortgage, u know where I live in Georgia.
My mother passed away in April 2010 and my family had to leave the trailer and move to take care of my father and daughter they were raising, we told 21st mortgage to go and repo the trailer we were voluntarily giving them the trailer back they said they couldn't do that, so we tried to get someone to take up payments on it but they wanted to charge her $5k down and then after she paid for it for 11 years she would of paid $50k for a trailer we only owed $22k on. It was a repo trailer and everything started falling apart on it after we moved in to it. They continuesly harrassed us every month when we were a day late on our payments even harrassed us when we were less than a dollar behind on our monthly payment. They continuesly threatened us that they would start the legal process of repossion every month that we were late but then when we told them to go get it they told us repo was not an oppotion for us and that they could not just go repo it they needed written promision to go pick up the trailer. They told me to have a yard sell and sell my stuff once to make the payment. THIS IS A COMPANY THAT I NEVER WANT TO DEAL WITH AGAIN, THEY DO NOT ABIDE BY THE LAW AND ARE RUDE!!!
We have been with 21st since 2004. The honeymoon was great for the first couple of years. Then the list of financial issues you can't find in a horror fiction novel hit us. We started getting behind on payments trying to keep up with everything, including the skyrocketing cost of living. We began getting calls if we were two weeks late. They truly don't care, they just want their money now, regardless of your personal issues. At one point, we were about 3 months behind. They were calling my neighbors, my job and my wife's job. We both heard from co-workers about speaking with our mortgage company, because we were "behind on their mortgage and we are trying to locate" us. My parents have been called by them, her parents have been called by them, but best of all, they found my wife's ex mother in law who called us and said our mortgage company had better stop calling her, causing more trouble between her and her ex!
DO NOT try and tell me this is against any company policy! I have one set of neighbors, my wife's ex mother in law, and one of my wife's former employees who have told us they will say in court what these people have done. I would welcome a personal debate with any 21st employeess who will say I'm not being truthful.
Furthermore, we have asked time and again for them to work out a different payment schedule with us. We have been paying 12.25%. They have continuously rebuffed our efforts to save our home, saying they are under no obligation to modify our mortgage. My wife and I are now having to file an
emergency bankruptcy in an attempt to avoid foreclosure.
I had my mobile financed through chase mortgage in 2000; was told by 21st mortgage out of knoxville, tn back...
My sister made a loan through them and then she was diagnosed with chordoma cancer. Her and my mother were living in the manufactured home at the time of her diagnoses. She became disabled because of the cancer and during the switch from her job salary to disability (and only during that time) she became more than thirty days past due. She had to wait on the disability and promised 21st mortgage she would catch up. Well during this period of time, she had to go into the hospital to have ONE of the tumors removed that was pressing against her brain. These people called over and over DURING her surgery, insisting to speak with her!! Half of her face was already paralyzed because of the invasive tumor and I kept telling them ALL OF THIS. I eventually had to explain, in detail, that for her to get to the phone I would have to make the doctor stop the surgery and try to wake her from the almost coma state they had to put her in for the surgery. I was stilled called a liar. This was in 2007, she had been paying regular on this loan since 2002. Well she passed away in Nov. of 2007 swearing that in her contract with this company that she was covered in case of death and it would pay off the loan. NOPE!!! Not covered! Now, they know she has passed and the assault has shifted to my mother, who has been trying to pay off this debt and keep this home. They will come to the house and threaten her. They will call the neighbors so the neighbors will come to her and threaten her. It does not matter if you try to make arrangements with them, because the initial case worker is nice but they have to transfer your call to a supervisor to get the arrangement approved. THEN YOU HERE IT!!! You are humiliated and degraded by the time you hang up with this one. The supervisor will not ONLY tell you what kind of irresponsible, lowlife trash you are, he will also add that he thinks your trying to skirt through life for FREE...and it takes him about 35 to 45 minutes to say that. My mother is 60 years old with degeneritive arthritis. She has had two knee replacements and needs two hips. She walks with a walker but needs a wheelchair. My husband and I have tryed to help out when we can and man the phones, THEY WONDER WHY PEOPLE DON'T WANT TO ANSWER THE PHONE CALLS. You get tired of repeating the same thing over and over. This bill may fall behind but it is always caught up. Since 2002, $25, 000.00 still owed. Have been paying insurance THROUGH THEM with the note and had water damage after Katrina, NOT COVERED!!! Now it is turning into mold damage, NOT COVERED!! They sent their own insurance man out to inspect and take pictures. NOT COVERED!! No help from FEMA because the home was insured. LOL Yeah right!!! Well one good thing from all that, if they do come out to get the crappy trailer, it will fall to bits before they can get it of the lot. WARNING: STAY AWAY FROM 21st MORTGAGE!!!
The FBI has established a Mortgage Fraud Task Force. If you feel you have evidence of fraud against 21st Mortgage Corporation please contact the nearest FBI office. An intake specialist will take your complaint. It is then forwarded to the investigatos with the Mortgage Fraud Task Force. From there, they review your complaint and determine if fraud or predatory lending occured and will iniate a case, if so. Even if your home has alraedy been foreclosed upon, it is not too late.
It is imperative that these crooks are stopped and we need to use all available means possible to put a stop to 21st Mortgage Corporations fraudulalant activity. We are not just helping ourselves, we are saving perspective homebuyers of the future from going through the same fraudulent lending violations and fraudulant foreclosures.
I have this mortgage provider and ican say I have never had any problmes whatsoever. Liz wilson is the best...
Do NOT do business with this company. They will harass you 2 to 3 times a day, lie to you to get personal...
These people are awful calling and threatning you. Yes we have fallen a little behind on the payments but who doesnt fall on hard times with this economy going on . These people at 21st mortage will call you and threaten to repo your house if you are one day behind. I have only come across one person in everyone that we have talked to over there that was helpful. This is the second mortage I have had with them not by choice and have gone through the same thing as the first.