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#1
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| Dear Sirs; About ten months ago (April of 99'), I went searching for a home to purchase. I went to several dealerships locally, who offered good plans in purchasing a home, but I did not have enough money at the time for the deposit, to get the loan financed. Then I came across a great deal with Southern Showcase Housing, Inc. in Wake Forrest, NC, who offered me a deal that would fit into my budget. They offered a low down payment of $4,000.00, which I only was required to pay 1,000.00 to get started (paid on April 30, 1999). I was told $1,000 was needed to be paid just to get loan approval through Greentree Financing, Inc. It was also explained that an additional $1,000.00, would have to be paid before the house could be ordered. Southern Showcase agreed to give me a rebate of $1,500.00 and a $500.00 referral bonus, towards the deposit, totaling $4,000.00. During this time, the salesperson was Lisa N. Christopher. She explained to me, that it normally takes about three to four months, to have the home set up and ready to move in, granted everything goes well with loan approval. I asked her did she currently foresee any problems that could occur, and she informed me that once I was approved for the loan, everything else would work smoothly. I informed her that my lease at the Tapers Apartments will expire the end of October 1999, and it was crucial that I be in the house by that time. She then re-assured me that I would definitely be in the house long before then. With this in mind, I agreed to go along with the deal, signing the necessary forms required to start the process, these forms included, the We Owe Sheet, Deposit forms, Order worksheet, Notice of Cancellation. I was really satisfied with all the options with the exterior and interior of the home. It was nice to think that I could have my new home, ordered just the way I wanted it. During the month of May, I sent the Tapers Apartments a letter informing them that I do not wish to extend my lease pass October 31, 1999, because I was scheduled to be in my new house in a couple of months. Their office requires a 45 day written notice before vacating, so since I was told it would only take a couple of months to be in the house, I wanted to be pro-active and get the notice out of the way. Also during the first 3 weeks of May, I worked hard with the Sales Rep., Lisa N. Christopher, trying to find land that was decently priced and close to work. Lisa was able to find several locations that were well priced and offered low money down. I decided to go with property that was found in Louisburg, NC (a one hour commute to work), in Ellington Estates, lot #1. I chose this particular lot because it had an existing well and was at a good price, with the amount of land that was being offered. The seller wanted $500.00 down, which Southern Showcase financed into my mortgage, with the addition of the price of the land. On May 26, 1999, another check was paid for the down payment, in the amount of $1,000.00 so that the house could be ordered. I was told that it would take one to two weeks for the house to be ordered and constructed. I was also told that since I have already paid the final deposit monies, they were going to begin clearing the land. About a week later, during the first week of June, I called back to their office to check the status of the house and was informed that there has been changes in management and that the new manager, Mr. Curtis Skipper, needed to speak with me about corrections that needed to be made in the paperwork. Upon speaking with him, he informed me that the previous manager made errors in the pricing of the home, and I needed to come to their office to make some corrections. The following day, I took a half day off work to go to their office, to make these corrections. When I arrived, Curtis explained to me that in the paperwork that was originally signed, the old manager put the wrong dollar amounts for closing costs, which he then filled out a new order form, changing the measurements on the ceiling, exterior and floors wich required an additional $1,098.80 to be paid from me. He informed me that the new order sheet that he wrote up needed to be signed, in addition the extra money needed to be paid, before the house could be ordered. I explained to him that this wasn't what was agreed upon, when I originally signed the paperwork, and I shouldn't have to pay the additional amount. He then explained to me that until they get the rest of the deposit, the house will not be ordered. I then informed him that at the present time, I did not have the money needed for the deposit and would not have it for another week. He agreed to give me the extra time to come up with the money, but will go ahead and have someone go out and clear the land. On July 1, 1999, I called back to their office and spoke with Lisa N. Christopher who advised me that they still haven't been able to clear the land because they were waiting on the perk test. I then asked her if she knew when someone was going to come out to the land and have it perked and she advised me that she wasn't sure, but will let me know as soon as the inspectors give her a date. On July 11, 1999, I called back to their office and spoke with Curtis Skipper to see if he has heard anything on a date of when the land was going to be cleared and when I can expect to be in the house. He advised me to call back the following day around 1:00 p.m. He explained that by then, he would be able to give me a definite answer because he was waiting to hear back about the perk test. The following day, I called back around 3:00 p.m. to get an update. Curtis advised me that the land passed the perk test and the closing on the house will be in about six to seven weeks, putting me in the time frame of the first two weeks in August to be in the house. As August approached, I called again to get a more definite answer on when the closing would be and when the land was going to be cleared. I spoke with my sales rep. Lisa, who could not give me a definite answer at that time. She did inform me that they were going out to the property the following Saturday to clear the trees, the house that was on the property, the barn and the outhouse. She wanted to know if I would be able to meet with Corbet Cash, who was clearing the land, to tell him which trees to clear. I advised her that I will be able to meet with him Saturday to make it clear to him what trees I wanted to keep. The following day, I called back to Southern Showcase to express my concerns about when my move in date was going to be because I was having family come in to town from New York, the last week of August and it would be nice to be in the house by that time, because where I was currently residing, there would not be enough room to accommodate us all. I was again told that as soon as the paperwork was signed, they would be able to get me in the house, well before that time. Several days later, I called back to Southern Showcase Housing, to see how the clearing of the land went. Upon calling, Curtis Skipper advised me that they had to stop with the clearing of the land because it was not supposed to be cleared yet. The explanation he gave was, that since I have not signed the proper paperwork for first dispersal, it was illegal for them to clear the land. He also explained that they will continue clearing the property once I went to the closing for first dispersal. Later that day, I went out to the property to see just how much was cleared. When I arrived on the property, I noticed that only some of the trees I wanted cleared were cleared, the house and the outhouse was r |
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#5
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| I would love to try and help you, but your description of the problem is way too long. If you could condense it and leave out the unnecessary details, maybe I would have some ideas for you. |
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