Consumer complaint received 2021-06-11
Company: 21ST MORTGAGE CORP.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX  XXXX XXXX IL owned by XXXX XXXX XXXX aka XXXX  XXXX XXXX, sold mobile home to me XXXX of XX/XX/XXXX backdated paperwork to XX/XX/XXXX then XXXX XXXX  XXXX refused to give me copies after signing ( I was already moved in and paid XXXX dwnpymt, utilities deposits, expenses to move etc ) and said XXXX would mail me copies but then approx. few days later she called saying I initialed wrong and sign again but whole new contract and refused to give me the original contract signed and again they would mail me copies ( mailed to me XX/XX/XXXX, recvd XX/XX/XXXX ). 30 days to report anything for repairs but maintenance had been fired and two weeks later another man XXXX hired and half of repairs never done nor power washing of exterior. XXXX drawn out repairs saying parts not here yet, parts not available then just dropped it all after a year of waiting went by. That is when pandemic had began and a work injury with XXXX  and XXXX XXXX etc I had to go thru and wasnt returned to full duties at my employment until two months ago. I had tried to hire an XXXX but no one in this county wants to take any kind of case against XXXX. XX/XX/XXXX XXXX raised lot rent again and also trash service as well. XX/XX/XXXX, recvd letter XXXX was being sold or assigned ( believed to be sold ) along with their other XXXX XXXX XXXXXXXX XXXX in XXXX IL where XXXX was promoted to ( a bigger park ) the end of last year. Sold to 21st Mortgage taking effect XX/XX/XXXX. In XXXX despite all residences of both parks residents having paid their trash service, trash was not picked up for two and half weeks - assumed that XXXX did not pay the last month trash service for both XXXX XXXX, thus stealing money and harming tenants. XXXX sent letters of the upcoming sell and chg of where mortgage pymts to be made beginning XX/XX/XXXX AND that the contracts and all remained the same just who being paid would chg. 21st Mortgage started sending spam letters to sell insurance for the mobile homes to all residents. Then XX/XX/XXXX I received two different envelopes each with same one page letter dated XX/XX/XXXX from 21st mtg stating I had to have insurance and they were going to provide and charge me for it back dated to XX/XX/XXXX. I made copies of the contract page 3 of 5 showing I am not required to have insurance on the XXXX. Also, I made a copy of letter from XXXX XXXX highlighting the contract stated the same. Further, I made a copy of another page Additional terms of contract and security agreement Homeowners Insurance Acknowledgment Retsil Installment Contract Amendment that states specifically NOT requiring me to have/provide insurance on mobile home and I have the right to not insure it if I so choose. I mailed these copies along with a copy of XXXX Mtg threat letter recvd XX/XX/XXXX as stated previously by priority mail last Monday. While I was at work today, voicemail was left by 21st insurance dept that my mail had been recvd by them and that it no longer applied because they 21st, required insurance and I had contract with them now. I do not have a new contract nor did I agree to any of this. A year after purchase I found out this trailer had from previous tenant had hole cutout of huge part of kitchen floor. This was all remodeled with floor put in which apparently covered two heat/cooling vents that caused serious problems unable to heat when this year late winter our temp dropped to more than 20 below zero and stayed like that for approx 3 weeks. Also this sell of contract and reviewing contract and talking with new neighbor in XXXX  next door that originally XXXX had said was exact same size and model make of trailer but the neighbors XXXX  is slightly bigger and is a contract for 14x60. My contract is for a XXXX XXXX XXXX. Interior I measured at least 7 times, and it is 13x59. The kitchen cabinets have XXXX XXXX but another neighbor said they put those in. Further, the taxes to XXXX co Illinois I pay every year shows 14x64, 896 sq ft, XXXX XXXX but it is all a lie. The original paperwork during going to purchase mailed me shows a XXXX 14x60 is XXXX value for financing and a XXXX 14x64 is XXXX. So they committed fraud and changed measurements so I am paying on a trailer that doesnt exist and paying XXXX more than what it should have been. The trailer can not be insured because all the paperwork is fraudulent. I cant sell because this trailer doesnt match the contract size and sq ft. Disclosure wasnt given that if a trailer is 15 years or older and resident wants to sell, they have the discretion to refuse. Further the value fraud and increasing loan XXXX dollars more makes it impossible to sell because the size is falsified and incorrect and the value is almost half what I was charged. I tried to make police report and the XXXX p.d. Said no they wouldnt come out because it is a civil matter and no crime has been committed that they take care of. The sale paperwork is by another company affiliated with XXXX XXXX under same umbrella, The XXXX XXXX who sent paperwork Good Faith Estimate that states same interest rate and loan term with pymts of XXXX per month. The contract has same interest and loan term with pymts of XXXX. The paperwork now going over it, doesnt even match. It states in GFE there is no prepayment penalty but then the contract penalizes me if I pay off early that no interest is refundable. This prepayment nonrefundable interest also was never disclosed. The extreme damages and flooring replaced with a board put across not actually fixed correctly which shows now on the floor after two years living here and I am the only one here. I am a divorced single female over XXXX  years of age near XXXX. At this point I have an uninsurable trailer that is unsellable because the trailer I am in doesnt exist and It is possible this isnt even as new as a XXXX, maybe not even an XXXX XXXX. I believe the fraudulent contract is criminal. Then XXXX unloaded their criminal actions onto 21st mtg who is slimy serpent in their claims they dont have to honor the contract not requiring insurance. I have not contacted 21st that this trailer is not as stated in the contract thus uninsurable because the trailer specified in the contract doesnt exist. It is obvious XXXX lied about size to up their profits. No one can make this trailer be four feet longer. The walls are four inches thick so it isnt even 14x 60 on the outside measuring it including siding and everything its short 1/3 ft. This is a 13x59 which and nothing like the 14x60 next door I seen last week the interior. They pulled those kitchen cabinets and replaced with new but not used from another trailer which is what I believe they did with this one. Yet their contract purchase is for a 14x60. Their trailer looking larger than mine inside may be the paperwork for this trailer at 14x60 and mine 14x64 May be their paperwork or maybe all their trailers are falsified to gain higher sales prices. The county doesnt check anything just takes whatever is mailed filed with the county as true apparently.

Company response to consumer: Closed with explanation