My husband had started a home loan with this comapny. Our first payment was due on 9/01. well they never took the auto draft out. we had called them to find out why they kept telling us that our loan has not been booked yet. we asked them when they would take it out they said that they would call us and let us know yeah right that never happened. we found out that hard way when it came out 24 days late. we called them yet again we were told that if the loan was behind that they could not do any auto draft. well that was a lie to b/c two weeks later it came out again. every person that i have talked to has been very rude with me yelled at me, has even told me to put the money in the bank now. They dont need to talk to people like that. we are the reason that those clowns have their jobs. They recently told my husband that if he didnt pay they were going to come after me for the loan Im not even on their. Thats not even legal. Im hoping that after a year with this rip off company that we can find another loan comapny that will treat people better. This is nothing but a bunch of ass hole that like to lie and threaten people family.

I worked for these "assholes" 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 !