I've had a problem for yeays starting with Cit Group.I was making my 589.75 payments back in the beginning.I then had a huge income loss because some stores were selling to another food chain when we servicing their floors and lost contract to new buyers.I tried to refinance when I got behind on payments.They wouldn't redo my loan back in 2005.Soon after we found out their was a title problem.The double wide was never titled in our names.We were told to get out, so we did.We were out for 3 years.They tried to sell the home several times at courthouse but couldn't.We couldn't figure it out why.Soon after it was given to a collection agency Tritium Card Services.This was in 2008.We arranged payments at 400.00 and it was coming out every month by bank draft for almost a year.Tritium had said we could move back in the home in the beginning.Everything was fine.I was paying payments as arranged with them and then almost a year later, you guessed it Vericrest took over the loan and recalled the account.Did they recall the account to help(NO!!).They recalled the account to say the payments we arranged with Tritium weren't enough.They were fine when they had it and I was trying.They want to foreclose on the home.To make matters so crazy, the home is still not in our names and never was from the beginning. So Cit Group wanted to try and make it real estate by destroying the title so we went to court.We had heard they couldn't in the end.Now apparently Vericrest Financial is going to try and take it.However if the home became real estate it was done by fraud becuase it is not nor never was on a permanent foundation.They will try to use every method whether dishonest or honest to get you out.I was trying and I was paying as I had worked out with previous account holder (Tritium).I called Vericrest and just like others stated they were rude from the beginning.What comes around goes around.They might end up in our situation one day themselves.When someone is trying they should at least try and help.What the the bailout for. Wasn't it supposed to save homes.It was taxpayer dollars anyway.This home purchase has been anything but a dream, but a nightmare.Now they want over a 100, 000 grand for an '01 double wide which they don't even have the paper work correct.If anyones wanting to buy a home for 100 grand I have one(Don't blame you I'm not either).You will have a lovely view of hog houses, chicken and turkey houses around a several mile radius.This would have never been this far if CIT had admitted that paper work was messed up and caused us not to be able to refinance because home was properly put in our name.As far as I know, the home is free and clear with family members owning it.That's how screwed up this loan has been.Also bad things happen to good people.In other words had I known I was going to have income loss years back I wouldn't have tried to buy the home.I feel sorry for everyone else who has to lose their home because of the economy.All I can do as of now is pray for a brighter tomorrow regardless of the outcome with my home.