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Fantacy Homes

Dionne of Gaston, S.C. writes:
I purchased a manufactured home from Fantacy Homes. I was told I was approved for one amount and it was enough to cover the home I wanted.

I signed all of the paperwork and they were then sent to the manager of the dealership, who then declined the deal stating that the loan was not enough money.

I was told by the manager I had to pick a cheaper house and send the paperwork back in again to get approved for another loan. When the second loan came in it covered eveything on the cheaper house so I signed thoes papers and the house was delivered to my property.

One week later I was told again that the loan was not enough to cover everything and I had to come up with $3,000 that the loan was short to cover my agreement. I had already given them $2,400 which was stated on the loan agreement, but Fantacy Homes neede $3,000 more because they said the loan company shorted them that money.

I was then forced by Fantacy Homes to take out a loan on my car title to cover the $3,000 the loan company shorted them. In total I gave Fantacy Homes $5,400 when I was really only liable for the $2,400 stated on the loan contract.

I was also threatened by the owner of the company that they were going to come and take my house if I did not get the $3,000 loan on my car. In all I had a total of three contracts signed.

This case belongs in court. There may be violations of the Truth In Lending Act or other consumer-protection provisions. Dionne should contact state consumer protection officials.

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