21st Mortgage
Reviews and Complaints

My comment is for 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.
http://knoxville.citysearch.com/review/9413156?reviewId=44853361#done
/link removed/
http://www.ehow.com/how_6038774_stop-mortgage-harassment.html
http://state.tn.us/tdfi/crd/index.html

It is the policy of 21st mortgage to only address customer complaints in a confidential discussion with our customer. To appropriately respond to a complaint may require releasing confidential information, which is strictly forbidden under federal privacy regulations. We will attempt to contact the referenced customer to resolve this complaint.

Yes, they not only kick you when you're down, they continue to belittle you and are the rudest people I've ever had the displeasure to deal with.

Like others, if I KNEW what kind of ###s these people really were and how they treated customers, I'd have RAN AWAY from ever signing the loan papers.

Paid $23, 000 for my mobile home, after they got done with me, it ballooned to $55, 000, had issues with the home, insurance would not repair or fix any of it, and none of it was our fault! Plus after being on time every month for a year, I get a letter saying they are raising my payments, I signed a contract that clearly states my payments ARE FIXED for the life of the loan, get this, they claimed that I was .55¢ short in 2011, so they had to raise my payments by $7.85¢ a month, over FIFTY FIVE cents? Unbelievable!

The people working at 21st Mortgage are unscrupulous and underhanded.

If anyone tells you to sign on the line for a loan with them, DO NOT DO IT, don't walk, RUN and RUN AWAY from them as fast as you can.

21st Mortgage will be your worst nightmare if you take out a loan with them!

It is hilarious that silverado is talking about confidentiality. I was called by 21st mortgage inquiring about my neighbor who evidently has a loan with them. I had no idea that a creditor would call a neighbor. Secondly, when my brother and his wife divorced, he got letters regarding her loan with 21st Mortgage. As a matter of fact, he still does after being divorced for 14 years!

I financed my mobile home with 21st Mortgage back in 2005. My payment has doubled! I told them what I could afford when I bought the mobile home. The rude associates blame the payment going up on the insurance company. The ignorant associates evidently have no control over that. So now I am having trouble making the payments. This girl from the company calls me weekly to make sure I am going to make my payment. She has to know all of my personal business and then she is terribly rude to me. Wake up people! I have not had a raise in over 10 years. Everything is going up. Why would you try to kick someone when they are down? Well, this company does.

I would give anything to turn back to the day that I signed with 21st. I wouldn't of signed. I am not going to lie, I have been late, but when I would call they were very rude to me and refused to work with me. My daughter was hospitalized for a week and when I explained to them that my payment was going to be late they wanted to know why she was in the hospital and every detail to the story. That to me is none of their business. I am a single mother of two kids so I do everything possible to pay my bills. I have never been 30 days late but they always threaten me with a foreclosure and tell me that I have to move out ASAP. I quit accepting the phone calls due to the behavior of this company. I recently told them that they have poor customer service. I was told they are not customer service, they are lenders. I need any legal advice that I can get. HELP!

I am so thankful that I have found this complaint board, I was about to try to get financing from 21st mortgage and now that I read about what kind of rude, heartless, and harassing people work there I would NEVER get financing from that company!

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.

My comment is for 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.
http://knoxville.citysearch.com/review/9413156?reviewId=44853361#done
/link removed/
http://www.ehow.com/how_6038774_stop-mortgage-harassment.html
http://state.tn.us/tdfi/crd/index.html

It is the policy of 21st mortgage to only address customer complaints in a confidential discussion with our customer. To appropriately respond to a complaint may require releasing confidential information, which is strictly forbidden under federal privacy regulations. We will attempt to contact the referenced customer to resolve this complaint.

Have to agree with every single persons assessment of this company. I'm in Florida and it's no better with them here either.

Karma is a b**** when it comes to payback and I'm sure they will eventually get theirs back 3 times over what they've dished out. I'd love to see them ran out of business completely. And I'd do anything within my power to see that happen too!

Seriously of thinking of sending a few attorney's I'm acquainted with to this website so they can see just how many people are so rudely and UNPROFESSIONALLY treated by this company! 21st Mortgage doesn't deserve to even exist with their attitude towards THEir customers that PAY their salaries!

I worked for these "###s" for nearly 5 years, and believe me, they are no better or no more fair with their employees than they are with their customers (unless you are a political "crony" ) - I've seen them ruin the careers of a number of good credit-management people with their practices, and any young college graduate who really has any ambition at all uses them merely as a career "stepping stone", to get some initial experience, and then "get the hell outa Dodge ! " They are affiliated with Clayton Homes, which owns a good part of Knoxville, TN, and both are "in cahoots" with city government - and boy, do they use it ! Very political company - 21st's CEO is a staunch Republican, who will tell you openly and outright, that he has no use for Democrats, or any representation from that party .. yep - by all means, steer clear !

These people are ###s. I agree with every complaint here. The reps seem to be helpful but when their "supervisors" come on the line, they are VERY rude. I haven't been able to make a payment in a few months due to being cut from work..when I tried to explain this, they didn't want to here it. I told the "supervisor" that I can't send what I don't have and she asked if I had anythng I could sell to come up with a payment! The nerve! I was evin told that my payment could be lowered to $25 a month due to my financial situation...well, when I asked about it they said that it was no longer an option. LIARS! These people were so rude, so condecending and have no remorse for anyone who is having a rough time.Needless to say I am filing a complaint with the BBB and the Knoxville, TN Attorney General. This ### needs to stop. There is NO call in treating people like that. I feel bad enough that I am in this situation without having to be insulted by money hungry ###s in the process. I hope some legal action gets taken on this "company". There needs to be a class action law suit or something.

the same thing has been happening to me i have had acouple of rough months with cars braeking down etc hours cut at work. ive talked to these people they will not help in any way they yell at you and the managers are even worse, telling me if i dont make my payment i need to vacate my home, i have asked them to help they do nothing but harrase you and be rude they even hung up on me. i wish i could find another company that would take over the loan so i dont have to deal with this lieing, rude, and very nasty company any more

I agree these people are very rude and one of the people i talked to wanted to know where each and every penny i spent went to, and i finally got pissed off i told him he wasnt going to talk to me like a kid and i hung up on him. So now we have a different person and he was real rude to my wife about the payment and we are only 2 weeks behind. This time when i call the payment in when i am finished i am going to cuss these mothers out they have no right to talk to anyone the way they do.

please veiw my cmments i made earlier. it explains in detail my issues. on3/5/2010

They are ruthless. All of these complaints are true. I was renting a manufactured home. And since Aug of last year they had not made a payment. We were not aware. In November we found out after getting a letter in the mail to the owners. We called them and they made a deal with us to make the owners payments which is more than we were paying but were not in the situation to move at that time. Since then they are on the phone constantly, and if we are late they got to get everyone involved, making me feel terrible even if its only gonna be less than 10 days late. They are horrible I would never buy a manufactured home ever, first of all, but to have these people be your lenders they have no sympthoy,

I live in Texas and I am only $275.00 short on my mortgage for may of 2012 I will admit I have a history of late payments but I am paying. Well my mortgage company which is 21rst mortgage is threatening to report if not paid by the 31rst. I tried to explain to them that I can pay on the 1rst of June when I get paid but they said no that it has to be posted no later than the 31rst. What should I do, I won't have it until the 1rst. And borrowing it is out of the question.any ideas

do not do it, short sale is not for your benefit. Get legal advice.

I forgot to say, if you are still working, file a CHAPTER 13. You'll pay a certain amount according to your wages, for about 3 to 5 years, but after that, YOU OWN EVERYTHING. You'll pay pennies on the dollar.

Foreclosures have been stopped in so many states right now, that by the time they get to you, this could be a done deal. Go get a free consultation with an attorney. We're going to find out that our mortages belong to CHINA or something, believe me.

BTW, did you know Warrren Buffett own 21st mortgage? Think of that when you decide to make your payment on your worthless home. I was looking around for the appraisal. Guess what? Can't find it in the loan docs. What do you bet they were DOCTORED?

We paid $130 for our place in a 5 star high dollar neighborhood, voted one of the TOP TEN cities in Family Circle August issue 2010, and we can't sell our house for more that $40 or $50k. As far as we're concerned, we're more than that much in already, we should OWN IT NOW> LET'S STICK TOGETHER !

Same deal here, but I live in California, and we are NOT responsible for the difference, same goes in Arizona. DON'T do a short sale. Let it go into foreclosure. Our Realtor said let them do it. Take your chances in front of a judge. File for Bankruptcy like the rich do. It will be OK. in 2 years you'll be buying another home. GO get bankrupcty PROTECTION.

My husbands' company closed doors and blam, out of a job after 12 years. Then after 10 mos. on UI, he finds another job and THAT COMPANY closes doors. So with all of these things happening beyond our control, why should you or I feel guilty?

If jobs are not going to be guaranteed for at least 20 years while people pay of their homes, then any contract we sign, should become null and void. If we cannot sign a contract with an employer for say 5 years of employment, then NO MORTGAGE NOTE should EVER BE for 30 YEARS.

Don't worry anymore. DO you think these billionaire worry about you? Stop paying the mortgage and save every dollar you can (at home not in the bank) No one is going to throw you out because if you read the papers, don't you know we've all been scammed?

FLORIDA should be investigating these low-life ### at 21st Mortgage too! Most underhanded, rude, obnoxious, condescending, inconsiderate, selfish, heartless people I've ever had the MISFORTUNE to deal with. And I've dealt with a lot of loan/finance companies, but never one like 21st Mortgage! They should be permanently closed down forever and their employees all run out of town on a rail!

Too bad that url is now a 404 error, page not found! I'd sign up to take their sorry ### down in a heartbeat for the way we're bring treated like criminals!

I have never missed a payment until now, asked to pay partial or interest, to at least show I AM TRYING TO PAY SOMETHING TOWARDS THE LOAN, they refused any of it, they also refuse to put that in writing saying it would have repercussions on them. Well I have news for you 21st mortgage, BY NOT PUTTING IT IN WRITING TO THE CONSUMER, YOU ARE IN VIOLATION OF THE LAW.

If anyone that has a loan with you requests something in writing, YOU {21st mortgage} HAVE to give it to them, not give lame excuses, IT IS THE LAW! That to me shows you're hiding something you don't want found out if you can't put it in writing, then apparently what you're telling us is fabrications and out and out lies.

As the old adage states, PUT UP or SHUT UP!

In other words, if you can't give me{us} documentation to verify your claims of NOT being able to accept a partial payment or interest for one month, then you should have to eat the loan and relinquish YOUR rights to said home, because the way I see it, YOU {21st mortgage} are the ones BREACHING THE LOAN CONTRACT by NOT ACCEPTING WHAT IS OFFERED TO YOU.

YOU REFUSE PAYMENT, then YOU SHOULD HAVE TO TURN OVER THE HOME TO THE PERSON ON THE LOAN PAPERWORK.

Unfortunately it seems laws are protecting these ### in some areas and the consumer is the one who gets the shaft.

If you have 21st Mortgage and would like to start a class action lawsuit go to this URL

http://www.gotaclassaction.com/contact.php...

Tell your story and if enough people gets involved the attorneys will become interested.

(Please repost this URL everywhere and lets take action; post it constantly on any complaint so we can become thousands)

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.

My comment is for 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.
http://knoxville.citysearch.com/review/9413156?reviewId=44853361#done
/link removed/
http://www.ehow.com/how_6038774_stop-mortgage-harassment.html
http://state.tn.us/tdfi/crd/index.html

It is the policy of 21st mortgage to only address customer complaints in a confidential discussion with our customer. To appropriately respond to a complaint may require releasing confidential information, which is strictly forbidden under federal privacy regulations. We will attempt to contact the referenced customer to resolve this complaint.

yes thy needs to be invesgated

I litterally cannot stand these people! They call us about 10 times a day even after we have kept the agreements and paid what we were suppose too. Everytime i have to talk to a "supervisor" and get to listen to his smartass for 30 minutes telling me how we need to move out since we can 't afford it, and we are only a month behind. Thats why i don't answer there calls anymore! We send them money every week. If we weren't sending anything at all i could understand the rudeness but we are trying. They also said that i had agreed a week before to send a certain amount and I DID NOT. He kept saying yes you did, yes you did. HA I told him his little intimadation talk wasn't going to work on me so try it on someone els. Im sorry all of you people are having to go this too. Does anybody know how far you have to be behind for them to foreclose? I was thinking three months but not sure . THanks

My manufactured home mortgage was originally through a different company and I dealt with them for 5 years without a problem. Then enter 21st Mortgage...AHHHH! These people are indeed extremely rude and make you feel like a child with a dunce cap on. I became disabled in 2010 and had to wait on Social Security disability benefits to start and got behind in my payments...nightmare if there ever was one. Then recently I have had a drop again in income due to bills going up and lot rent etc...Well 21st mortgage told me that in order to make sure I can pay my payment on time that I needed to have garage sales and list in the newspaper for a room mate so that I would at least have someone paying my way! How dare they tell me to rent out part of my home to a stranger and sell off my belongings. These people need to understand that sometimes life happens...whether good or bad and you don't always have controlled over your money. If you can help it never ever deal with these buttwipes...they will harrass you forever!

omg i cant believe how much everyones stories is like ours.im going to the web site provided.surely enough of us can stop this craziness.OUTRAGED! in La.

If you have 21st Mortgage and would like to start a class action lawsuit go to this URL

http://www.gotaclassaction.com/contact.php...

Tell your story and if enough people gets involved the attorneys will become interested.

(Please repost this URL everywhere and lets take action; post it constantly on any complaint so we can become thousands)

these people have told me i can make my car payment or my house payment, its up to me what i want to live in. and they made me send in 23.00 in august to make up for shorting my mortage payments buy a few cents over the course of a few months. my question is they send out default notices when a month past due and notice of acceleration and by law you have to have 30 days and they give you 7 days, which isnt legal are these just scare tactics they use. they arent signed by a lawyer, they are signed by a damned customer service rep... everything i find on the internet says they have to be sent by a lawyer etc, is this one of their scare tactics or do they really do this

lmao That sounds about like them to tell you to sell all your stuff in a yard sale. They're freaking crazy dude...seriously. Thats why you have to be a smartass right back to them!

If you have 21st Mortgage and would like to start a class action lawsuit go to this URL

http://www.gotaclassaction.com/contact.php...

Tell your story and if enough people gets involved the attorneys will become interested.

(Please repost this URL everywhere and lets take action; post it constantly on any complaint so we can become thousands)

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! I know what your going through.

First off, I need 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!
BTW, check out this link and see what 21st Mortgage employees are saying about their own employer! This company is one of the most ruthless I've come across in all my years of fighting against injustice!
http://knoxville.citysearch.com/review/9413156?reviewId=44853361#done

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.
http://knoxville.citysearch.com/review/9413156?reviewId=44853361#done
/link removed/
http://www.ehow.com/how_6038774_stop-mortgage-harassment.html
http://state.tn.us/tdfi/crd/index.html

It is the policy of 21st mortgage to only address customer complaints in a confidential discussion with our customer. To appropriately respond to a complaint may require releasing confidential information, which is strictly forbidden under federal privacy regulations. We will attempt to contact the referenced customer to resolve this complaint.

Do the bankruptcy, we did. However, our attorney told us NOT to put the house in the Bankruptcy (a chapter 7) because it would hasten the foreclosure, not stop it. He said our chances were better with a foreclosure judge who may DISMISS the case altogether once they do the math. Also, if you do a Chapter 13 (we couldn't do that because we're on UI benefits) you may only have to pay pennies on the dollar.

I urge everyone dealing with is type of situation to stop paying the mortgage. This is the ONLY WAY, we can PENURE THEM before they PENURE and INDENTURE US>

This company is extremely unprofessional and when explaining your problem to them they have the nerve to tell you how much income you're making and that you make enough to pay your mortgage. This company should not be operating until they learn how to talk to people on a professional level.. I've never experienced such behavior as this. McDonald's treat you better than this.

We also had our home loan with another company, and when Fleetwood filed for bankruptcy our loan was sold to 21st Century. The interest rate is terrible and the company ignores questions about refinancing. 21st Century Loan Company is owned by Berkshire Hathaway (Warren Buffet). Things really haven't changed much in the aristocratic world since the beginning of the hierarchy ruling class structure. We the little people (low education income) are financially controlled by the upper class through their imposition of fees and restrictions. Blah Blah Blah.

I had a 2nd mortgage with GMAC and have just been informed that they transfered or sold the mortgage to 21st mortgage. My home was forclosed and sold January 2nd 2013, I owed GMAC approx.
+$20, 000. I have yet to hear from the 1st mortgage co. of which I owe several times what I owed GMAC. I live in Georgia if that matters.
After reading all the comments I guess I'm in for some fiesty conversations with them, if I couldnt pay the original 1st and 2nd mortgages how do they figure I'm going to suddenly be able to pay them?
I'm over 80 and in declining health and my medical bills are awful despite having insurance. If I dont pay the medical bills they wont see me so they come first, but I gather they wont care. I see that they deal in mobile homes mostly, but my ex home was a house not a mobile home. I think GMAC probably sold their mortgage to 21st as they didnt want to bother with me. Fortuneately my wife always answers the phone and she acts like a Regimental Sergeant Major with hostile phone callers. All i live on is Social Security and a small pension and now live in a small one bedroom apartment. I've spoken to an attorney and they said that in Georgia they cant attached Social Security or a pension if they deceided to sue. Also I have nothing anyway, a few pieces of furniture and an 11 year old car.
So I'm expecting within a short time to be getting mail and phone calls from them as I cant pay them anything. If I died tomorrow my wife wouldnt have money to bury me, only a cremation. As for 21st to start calling my neighbors about me, they dont know I even live here. The maturity date on my original 1st and 2nd mortgage is 2032, I'd have to live to be 100 to pay it off, thats another 19 years and I seriously doubt it.
I wonder what 21st paid GMAC for the mortgage if thats what they did? not $20, 000 I bet.

just got off the phone with one of their "managers". i gave the first guy the date i would be paying, he referred me to the manager for confirmation & the manager asked me about my budget, what day me & my husband got paid. it was a good cop/bad cop scenario. i am 20 days late but they treated me like a common criminal. they even called my husband at work. a bunch of jerks!

Our mortgage is with 21st also and we are going through the same thing and we are not even behind on payments. We are in the current month of May 2011 and the payments are due on the 1st. Well if not there they start calling 3 or 4 times a day and now by email. They call me, my husband and my mother in law day in an day out threaten to take out legal papers and start foreclosure on the current month due? I have begged my mother in law to help us move the loan but she just dont see it the way i do and now after printing all of this off I hope they will understand. I have gotten to the point where I am just plain rude to them or don't even answer the phone. I could understand this if I was 2 or 3 months behind, but we are not even 1 month behind. You would think with all these complaints, someone would have done something about it by now. In the mean time I continue to deal with it and hope to get the loan paid off.
Angie, NC [protected]

janejoad, I am a Republican/TeaPartier, and I can say without one doubt, wahwahwah1002 is not. You did realize he is from Beverly Hills, CA, right?

I have been with 21st Mortgage for a little over 5 years. I also had my mobile home mortgage sold from Chase Manhattan to 21st. They have harassed me and my neighbors for years. I don't know how to deal with them at all. wahwahwah1002 has no idea of what it is like to work hard, by the sweat of your brow, sacrificing to make sure the mortgage payments get paid on time. Then after years of being faithful, ask a mortgage company to give you a couple of weeks to get caught up, and they laugh in your face. I had a problem with paying a bill early on during my mortgage with Chase. I called them up and told them my problem, and they worked with me. They were not rude on the phone, they were always helpful. Weird, huh? The big bank had a better bedside manner.

janejoad, one question. Have you ever gotten any info on how much you still ower, how much is going to the principle/interest? I have never received any of that from 21st.

Good luck to you with the devils from 21st. And to you, wahwahwah1002, hopefully you will get a HUGE dose of that medicine you're giving out!

janejoad,

You go! All I can say is hang in there. 21st young ones has sent both us and our contractor to hell and we have not left. No doubt laughing at us while we wait for Ike damage repairs so we can sell and get out of hell and their evil greedy grip. With you, my research too indicates Warren Buffet is "owner" behind the scenes.

21st is playing games with our contractor by delaying payments in manipulating the way "disbursements" are written so as to delay the deposit into contractor's account. Meanwhile, our contractor has no funds and has used his $ to pay for materials and hired labor. Being a w-s-e general contractor makes it difficult to support oneself.

Ah, wahwahwah1002, we do pay our mortgage. In fact one month ahead. Only problem is, 21st plays the nasty games, not us!

D&W

Stop speaking to them on the phone. Require them to send you a document with the information they wiah you to have. The thing is, nowdays everyone has ID OR SHOULD HAVE> and unless they state their business, I IGNORE THEM.

I don't know if you know, but 21st Mortgage, is a Berkshire-Hathaways Corp. Sound familiar? This company is owned by WARREN BUFFET !

I told the last guy who called, if WB can afford to give his billions away to charity, HE CAN START AT HOME! They sent me a list of churches and food banks to beg for food to pay WB, while he sits down with Bill Gates and other Biollionaires to ASK THEM to donate money to charity? I am very clear on my outgoing message, that I will not return a business call, without STATING what they require from me, so that I may provide them with information. They stil won't tell me what they want, they have my info and I've told them when my stsus changes, I'll let them know.

In the case of 21st, we actually got the home visit. The rep saw we had the house for sale, and I told him once he did the comps, he would find that homes in this 5 star Park, in a city named one of the TOP TEN cities in Family Circle August 2010, were selling for as low as $35K. We paid $130k for a dump and after a $25k renovation and our 20% down, plus all the payments we made in 4 years, we're well past $35k. Another thing is the usurious interest 11%. I asked them to lower the interst rate and they said "Mr. Buffet pays 10% interst to borrow money" I had to laugh, I said, You really expect me to believe that? These people are young kids, they are in the South and they have NO IDEA of what other s are going through.

And to wahwahwah1002...If MY BOSS had not closed the doors on the company, threw my ### on unemployment AND cheated us out of COBRA, I NEVER would have missed a payment, so don't get smart with me. I don't need your Tea Party/Republican opinion.

They are a mortgage company. Your supposed to pay them. If your boss told you he was late printing your check for three months, I think you would hound him too.

We feel with you. Read our reply a few moments ago before this. I am sorry to hear you are painfully going through this unnecessary bad stress.

I have dealt with 21st for almost 10 years and the rudeness only seems to get worse. I make one payment per month, but when I took over payments they were 1 payment behind. I am a one income household, just barely making it from payday to payday, but I do make 1 payment per month. Every time I call in, I get the same crap, speech, about selling furniture, borrowing from someone, getting a second job, etc. Last year they had the audacity to tell me my teenage daughter needed to get a job to help me with the bills since she was living in the house...really? Today I made 2 payments to catch up the notes because I got a little more on my income tax refund and I won't be able to make another payment for at least another month or longer since I have been off work with an injury. As soon as I was told that I was now caught up, he immediately wanted to know if I would be making another payment on next Friday since they know when I get my paychecks. I told him I would not get a check then, and when I get my first check I'll have to pay other bills. He then told me his expectations were for me to make the payment by March 15th and I needed to borrow money from family to make sure that happened. I told him my expectations were for him to kiss my ... and hung up. I have now filed a complaint with the Consumer Financial Protection Bureau. I only have 6 years left and the house will be paid for I don't know that I can endure much more of the crap they dish out. If I ever get to travel to Tennessee, I will make sure I go see where all the rude people reside!

Completely agree! wish I never heard of this sorry mortgage company.

First mortgage company I've ever dealt with that won't accept a little less than the current amount because of other issues that came up or just the interest payment, no, they REFUSE EVERYTHING YOU TRY TO ASK POLITELY OF THEM only to have your face planted firmly in the dirt.

I only asked tp pay the interest or even a little over half what the normal payment is due to a death in the family and loss of income.

I have NEVER been late, not one time!

21st MORTGAGE are the most insensitive, uncaring, selfish, and rudest people I have ever dealt with in all my years of dealing with loan and finance companies.

I have never experienced anything like this, not until now.

If I could get another loan company to take over my loan for my mobile home, I'd do it a heartbeat, because 21st mortgage employees to me have turned out to be nothing but jerks. I'd use a lot stronger language, but those that have and are dealing with this lousy company know exactly what I and others mea and feel about them.

I, too, am really surprised these people are still operating, let alone still in business!

Our Mortgage was sold to them about 7 years ago. 21st mortgaga has rewritten the terms of our loan without our consent there is no more grace period original loan we had 10 days, - late charge original loan $5.00 now $15.00- never an over the phone fee now if I am running a little late and call in my payment or pay on-line there is an $10.00 fee called a convenience fee, they say it is state law in our state for this fee...Well I did my homework and found out that convenience fee was against the law in our state and they had to reimbursed me that fee which added up to a little more then 1 payment, which they still to this date havent sent me a check for money owed they refuse to talk to me when I call on this matter I have been told any fee owed to me will be subtracted from what I owe them ...I highly reccommend that you do your homework before signing anything with them..

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.

My comment is for 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.
http://knoxville.citysearch.com/review/9413156?reviewId=44853361#done
/link removed/
http://www.ehow.com/how_6038774_stop-mortgage-harassment.html
http://state.tn.us/tdfi/crd/index.html

It is the policy of 21st mortgage to only address customer complaints in a confidential discussion with our customer. To appropriately respond to a complaint may require releasing confidential information, which is strictly forbidden under federal privacy regulations. We will attempt to contact the referenced customer to resolve this complaint.

IS ANYONE INTERESTED IN CLAS ACTION LAWSUIT AGAINST THIS COMPANY? I WAS 8 DAYS LATE ON MY 7TH MONTH IN MY HOME. I PUT 48K DOWN CASH. MY LOAN WAS ACCELERATED ON THE TENTH 10TH DAY AND ALL FUTURE PAYMENTS WERE SENT BACK. DESPITE CONSTANT DISCUSSIONS, THEM YELLING AND CALLING ME A HORRIBLE MOTHER AND NOW WE ARE HOMELESS. 19 MONTHS I LIVED IN MY HOME. ALL THAT MONEY I PUT DOWN! WE ARE HOMELESS...

Not sure if it is legal, but even if illegal, they find loopholes to classify it as some type of fee, service charge; just like banks, utility co., and other corrupt financial institutions.

At least they changed your due date. They will not for us, knowing full well we generally will be late and get our SSD at the other end of the stick.

They thrive on it, why do they care. At least they get the late fee.

We are also with 21st mortgage and back in 2008 we needed to change our payment date because I had gotten sick and we couldn't pay our payment on time. They let us change our payment date, but we were charged over 200 dollars to change it! Is that even legal?

Reply to Bryan's comment, my yes was it is not a positive to you or 21st, but a + for us who suffer knowing someone thinks their untouchable. Perhaps it is because you know the ins and outs and how to circle around the harassment.

Thanks for the info! I have been effortlessy gathering and recording data and personal documents to get some action done on 21st and other unethical lenders.

I am beginning to clearly see the path God has layed out for me during this season of my life, unemployed and seeking and managing to pay mortgage, of course w/harassment.

I hate unfairness, injustice, law breaking of any kind, and unkind ways people treat others, especially if their situation is bad and unintended.

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.
http://www.mortgagefraudtaskforce.com/

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.

BOY BRYAN IS DREAMING FEEL SORRY FOR YOU BUT YOUR DREAM WILL END SOON AND YOU WILL GET THE NIGHTMARE THE REST OF US HAVE, SO GET READY YOUR LIZ WILL TURN INTO SATAN SOON AND YOU TOO WILL SOON FEEL THE STING UNLESS YOUR ONE OF THE ### THAT WORK FOR THEM TRING TO MAKE THEM SOUND GOOD...WON'T WORK THOUGH EVERYONE KNOWS THEY ARE LYING CROOKS...

Amen, CindinTX this company and employees are the rudest people to deal with and God forbid something happens I called to get help with my payments because I was having difficulties their help to me was to raise my mortgage payment higher some help, and the constant harassment is unreal the are they are real jerks...When I make a payment now they will not post it to my account they put it in something they call overage whatever that is to make it look like I have not made a payment I intend to get a lawyer to deal with them...

Dear Bryan,

I'm glad one customer has had some good customer service with this vile company. Be advised however, that as soon as you lose your job or get sick and cant make a payment your beloved Liz will no longer be reachable, and you will be called repeatedly by the billing company instead at home and at work. Also your neighbors, children and parents will be bothered. While you still have some money- take a spelling class- your post was very difficult to understand.

I made arrangements on April 6th to pay my payment. I'm now late due to seeing a specialized doctor and visit I had to pay for. The visit was $200.00 I currently have a bad back and health problems that I have to see different doctors for. I see a pain clinic and also another special doctor that I have a high deductible for. I have been in and out all the time for this constant problem that I have had for over 3 years now. Obviously I don't plan on when a emergency comes up, I just now that some doctors I have a higher deductible than others. With that being said my husband had been contacted by 21st by Vicki Ho who is our Account Manager. Once my husband had spoken to her Vicki then passed the call to her supervisor. My husband had told them that due to one of my appointments I had to pay money for that visit and it was an emergency. This supervisor had said, what does your wife spend her money on? If she is making $600.00 every two weeks we believe she is blowing her money. The supervisor also stated "you said a month ago you said you had an emergency at that time and you were late on your payment then." (which we were) We were late that month because I had to go into the hospital. Then the supervisor stated that she has to pay Vicki for her job, she has to pay the electric bills, the phone bill to call us and they have to pay them every month to call us! It seems that every time that we have made arrangements we are and have been bashed. I understand completely that it does stink if we are late. I apologize for life. But this is so unprofessional for them to treat us like this! I am so sick of them. I wish we could pay off our mortgage right now just not to deal with them. I am SURE that we are not the only ones who have been late. We have never been more than 3 weeks late. So I am sure that they have much worse cases than us. I hate being with this company, I too hope they get their turn.

This company is awful and I would hate to be those people working for them on judgement day.The complaints are so true! They will call you and belittle you and make you feel like your an idiot.I did not choose to have them as my mortgage holder on my mobile home(mine was sold out to them by another company)and at this point, I would like to see them come and take it!I hope God answers my prayers and puts this company where they need to be~~

Y ou are so right on on so many of these complaints There are many other customers out her being pushed around, harrassed, and lied to by 21st mortgage.

I agree strongly, we have been harrassed by them on a regular base. We are self employeed and are work is dirt work which we cannot pick what will happen if it snows or rains. The economy has been so bad that has also hurt us. We have been told that we should find work somewhere else. I am dealing with a lady named Renee and a man named Fred in which he told me that I sicken him by being so nice. I can no longer take these people and I will not take their curel remarks I will not take their threats to come and get my home. I could go on and on with this. I have never been treated with such disrespecct as this company has been. I am currently 23 days late and they are telling me that I must do such and such or they will sart things going. I say if they want us to talk with them over the phone they will have to be respectful. This company does not do what they promised, if only you will talk with me weekly I will work with you, oh yea tell them you can't make the payment before the end of the 30 days and see what they do. I would advise anyone not ever use this mortgage company they are crude people. Arkansas customer

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.
http://www.mortgagefraudtaskforce.com/

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 the same problems as well... I think we should all try contacting each other && try to do something about it. I think with enough voices we will get heard. I have filed a complaint against them with the FTC. Those who haven't done so should! It's very easy, you can do it right online. Feel free to contact me at ( saw0602@gmail.com )

We have not been over 30 days late. I receive calls at work / home they are always threatning to take the home. We paid over 20, 000 down. and only financed 23, 000. He has now stated that they he (so called supervisor) will be in our yard on the 17th to take our home. Can they do this? I will be able to catch up the payment on the 22nd. I told him I would send it money gram. He screams and wants to know what have I done with my money and why am I late on everything. I try to explain but it just seems to make him angrier. I begin to cry I get so upset and he continues to the point I just have to hang up. I hope that they will give us written notice before they come. I don't think they can threaten like this. Once I tell them this is all I can do and I have no money and hang up they turn around and call back again and again to say we want the money now you are going to be homeless. Is this legal

also we had esscrow with the company to pay taxes on property and they did not pay 2008 or 2009 taxes because of this we were charged pentalys and attorany fees threw tax office. 21st took no rsponabilty for charges and added the charges to our acct for us to pay. we have had a very hard year, and they harrsed us, mad fun of our hard times. and on top of that the house was not set up correctly and not to hud standards. but we signed papersstating this was hud loan. we had sent hard ship letters to lower payment, did no good. we asked for deferrment. did no good. we were approved 2 times with differant companys with lower rates, and did not get loan due to house not set to hud standerds. a state inspecter came out to inspect house and wrote them p finanlly after 4 tomes of them coming out i guess it is right now.also, we were charged amout for labor to do water line and under pending witch we done our selfs. on top of it all the company we bought house from told us to say house was set before it was so they could get their money from 21st . we had to make first payment before we lived in house. also due to no under pending and no duct under ouse (during) WINTER OUR ELECTRIC WAS OVER 400.00 A MONTH. WE ALL GOT SICK, I MISSED WORKED AND LOST MY JOB DUE TO THIIS. we finanlly mad them give us under pending rented truck and trailer took off work again went to greenville got it and put up our self. we did not get light fixture for hall way. and cabnit were not glued they apart still. and the guys who workedon house stained our carpet. if this is not enugh, the fire place was not legally installed and is of no use to us. our payments were898.00 a month now 1186.00 we are at our ends. whatcan we do? also the said they would homestead our land and did not witch has cost us more money. how is this right?

HELLO, WE HVE BEEN HARRASED, THREATEND, AND OVER CHARGED BY ST MORTAGE SINCE 2008! WHAT CAN WE DO ABOUT IT? donnayoung7777@yahoo.com

My comment is for 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.
http://knoxville.citysearch.com/review/9413156?reviewId=44853361#done
/link removed/
http://www.ehow.com/how_6038774_stop-mortgage-harassment.html
http://state.tn.us/tdfi/crd/index.html

21st mortgage ins one of the worse company to deal with.

It is the policy of 21st mortgage to only address customer complaints in a confidential discussion with our customer. To appropriately respond to a complaint may require releasing confidential information, which is strictly forbidden under federal privacy regulations. We will attempt to contact the referenced customer to resolve this complaint.

We just bought our home which was a land/home deal with the understanding that it was a repo and sold "AS IS", the catch to that is they agreed to a few things, like appliances, and fixing a few things around the house, and removing a substancial amount of garbage that they had removed from the home in order to make it liveable. I bought this home in April 2012, it is almost July and do you know that the electricity won't work in some rooms in the house, and garbage pile is still in there, and our dishwasher now has a leak and is rotting the floor out, and last but not least, the roof leaks in the master bedroom, all they did was put a band-aide on it. I have called the loan guy, and he said he will look into it. That was a week ago! I have called him 3 times since then, and no response to any messages after he said that he would get back with me as soon as possible. WTF? In the mean time I guess I should let the damn house fall apart from roof to floor! But I cannot, I have a family, we struggle to pay bills, and keep them in food and clothing, but for our first family home to be falling apart? As Is or not, this is ### when you "Guarantee" your work, and told us you would do certain things and did not do them. Arkansas Attorney Generals office basically told us that we needed to get counsel, because it was bought as is and that was our agreement! 21st said they would fix it, and we believed them. STUPID US! I feel for all of you who have been bent over by these idiots. We are current on our mortgage payments, but you let that go just a few days, and I bet we they will treat us even better than the do now, at least we will get a call back from someone up there in Knoxville.

HOW THE HELL DO YOU EXPECT US TO KNOW WHAT KIND OF LOAN WE HAVE 1ST MOST OF US WERE DOING BUSINESS WITH ANOTHER LOAN CO. WHO WITHOUT OUR KNOWLEDGE GOT SOLD TO LYING [censored]HEADS 21ST MORTGAGE WHO WON'T GIVE YOU A CONTRACT TO READ...AND DON'T BOTHER TO GO TO THEIR WEB SITE ALL YOU WILL GET IS NO SUCH IP EXIST...THEY ARE LYING CROOKS AND WHY THE HELL ARE THEY BEING ALLOWED BY THE GOVERMENT TO BE IN BUSINESS BUT THEN THE GOVERMENT ARE CROOKS TOO...JUST READ THE PAPER OR LISTEN TO THE NEWS WHY DON'T YOU DO SOMETHING ABOUT THIS OBAMA THAT'S WHAT YOU WERE VOTING IN OFFICE FOR WHAT ARE YOU DOING ABOUT MAKING THE POOR POORER AND THE CROOKS RICH OFF US HOW ABOUT IT... AND I DON'T REALLY CARE IF YOU AGREE WITH THIS POST OR NOT IT IS THE TRUTH DO BUSINESS WITH THEM YOU WILL SOON FIND OUT YOURSELF...

In RE: the two most recent comments, as well as the original complaint - check and see if you have what is known as a "Simple Interest" loan. 21st has a large number of simple interest loans that they bought in the earlier portion of the decade, and similar complaints that I have received from other 21st Mortgage customers almost always revolve around a simple interest loan that has had late payments during the term of the loan.

A simple interest loan (marked in 21st's system typically as an "S" type loan on the AS/400 index screen under "loan type") calculates interest accrual on a daily basis, rather than as a monthly basis with your standard conventional loans. A simple interest loan generally screws most borrowers who take them because of this - if all terms are equal on a standard and simple interest loan, the simple interest loan typically takes longer to pay off because more interest accrues daily than it does under most conventional loan structures.

However, making late payments REALLY screws the borrower, since all that late interest continues to accrue and MUST be reconciled before any portion of a borrower's payment goes toward paying down the principal balance. In other words, if a borrower is 20 days late on their payment, that's 20 EXTRA DAYS of interest that have to be paid, THEN the normally accrued interest, THEN fees and penalties, and finally whatever is left of the payment (typically nothing) goes toward the principal balance.

That's why simple interest sucks, and that's typically the primary reason why some of 21st's customers find they are now owing even more now on their loan than when they first took the loan several years ago.

For what it's worth, 21st Mortgage doesn't originate S-type loans to my knowledge. All of the ones I ever saw were conventional loans that accrued interest in the standard, monthly fashion. Of course, it should also be noted that 21st is historically reluctant to refinance these loans into conventional types because of the combination of greater revenue potential for the company as well as the fact that decade-old mobile homes don't make attractive refinance targets after the rapid depreciation they experience.

Ipurchased a new Fleetwood home in 1994.I had a 15 year loan which should have been paid off by now. I called and asked for my payoff a few days ago and they tell me it is $3, 335.?. And also tell me i have 18 more payments left. Wrong by my calculations. There is no way. They do call and call and harrass me all the time. They will start calling 2weeks before payment is due. I think my 180 payments are done by my records. I only financed $16, 588.00 16 years ago. You figure that one out!

I also have a mortgage through 21st. I recently found out that I was paying more than my note actually was. I have requested a record of my payment history (according to the company) SEVERAL times and they have yet to produce it. Where did the money go?

Please let us know how that goes. I've also posted a complaint up and I have wondered how they get away using a mortgage loan calculation on a personal loan... which is what they do. That probably answers your interest vs. principle question.. but I don't think it's legal and I would love to find out.

I would too!

It is the policy of 21st mortgage to only address customer complaints in a confidential discussion with our customer. To appropriately respond to a complaint may require releasing confidential information, which is strictly forbidden under federal privacy regulations. We will attempt to contact the referenced customer to resolve this complaint.

My family and I were desperate for a home after the mobile home we were previously living in had caught fire, I had worked for ten years to pay off. Homeless after the fire we still had 15000.00 for down payment on a double wide from Twenty First Mortgage. Now I wish we would have stayed homeless, 21st have been horrable monsters and lieing cheaters who needs a classaction lawsuit brought against them. so at least they can not profit from abusing people who need help and taking advantage of the elderly, disabled and the misfortunate! When you are on time they say you are late, in order to charge a late fee. Then when you do get behind and you ask for help they agree than they want you to talk to there supervisors who are worst than crap! They belittle you they bug your friends, family and work unlawfully! We need help from the big people!

I have been having the same issues with this mortgage company. Complaining to them has not made any difference, I need to know who to complain too! I am not going to stop until they do something about their practices. After doing research, they gave me a loan when the house took up 52% of my monthly income, they should not have done that and if you read their lending practices, they say that they do not. I had lost my job since then and had to take another job not making as much money, and they will not help in any way I have tried to work with them on refinancing, lowering the interest rate, etc. I just want to be able to complain to someone that will be able to do something about their practices!

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.
http://www.mortgagefraudtaskforce.com/

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.