I am a disabled man with my family. In 2007 my wife and I were in need of a new home , our old home was falling down and I was awaiting disability to be approved. It finally came and we found a mobile home dealer who was more than happy to help us.Long story short.......... They stated that we had a loan , we placed some money down, the home that we picked out was a little over our budget but, they stated that they could work around that.They tore our old home down , moved this home up and set it on our property, told us to move in and they would finish around us,,, I asked the question .... don't I need to sign my loan? The dealer stated , oh you're fine we'll get this done and sign off .... nope. they closed the doors on the company, and we found out that we did'nt even have a loan.There is a floor plan company...who from what I understand has the rights to this home, due to the fact that, the dealer signed off their rights on assets. ok.Now we find out that , there was a loan...so to speak, but it was for a repo and not a new home. The amount was not evan near the amount needed for this home.The dealer had lied to the bank and stated that we were to get a repo home, when in fact.......we got a new one. so I contact the floor plan people(sugar daddy so to speak for the dealer) and ask what the deal was , he stated that the dealer went out of buisness and that they now have controling interest in our home. well............ we never signed any loan papers, just an informal kind of purchase agreement , in which was never signed by the dealer,and no contract to the floor plan people. I did'nt evan know they existed....so, the dealer, took a brand new home, and drug it to our property ,and set it up and said goodbye.... of course it was not finished completly so I had to try to finish it up myself. We have been trying for two years to get someone to pick this loan up and to no avail.. We have our own acreage and it is free and clear.I have offered to pay the floor plan people payments but they wont take them.They say that they want me to pay in full, or they will take possesion , but what do you do when you have tried to work it out and they wont, I didnt put a gun to anyones head... I feel that we were placed in a mess.By a crook ! I think that although they are entitled to a compensation but ..go after the one who took advantage of a family and drug it up here without securing a loan first.
