They claim that we are in foreclosure, ho do I know for sure?

First you need to be sure where the letter came from.The first step is the demand letter you need to reply to that in the 30 day time period.They will set arangements with you.After the demand letter the account goes into f/c.You will get a summons from the sheriff with the date.There is up to day of sale to stop sale.You do not want to wait until then.YOU CAN SAVE YOUR HOME.I worked for this company for six years trust me i would not give an attorney a better deal then i would you.it can be done do not give up hope on saving your home

I have been trying to do a loan modification and they said they would not work with me unless I fell behind. Why do I have to ruin my credit to get some action from them. This is the worst bank ever! I hope that I can some day find a diffrent bank to take my loan!

unfortunately this bank works that way. it's ridiculous I agree with you.

First franklin is evil. we have been trying to get a mod for both the govt mod and the in house mod since feb of 09, they kept saying i did not turn in feb bank statements, which i did 3 times even have fax proof. then in aug i called and they said they received it but we were denied because our credit scores were to good! What????? OMG. ok this is nuts, so we quit paying our mortgage oct and nov and put our money in safe haven for now. they said they will try a in house mod again but we dont look good. we have been here 10 yrs my husband is a veteran and i wish we were not given the advice to go with this company and get out of our va loan. i spoke with a va rep and he said we can qualify for another house in 2 years no problem. i just dont know why they want all of our houses, they say they dont but......... maybe they want to be landlords. i am taking everything out of this place.how long do we have before they officially kick us and our 2 kids out?

First Franklin is very very evil. Back last year at this time my wife and I needed some time to make one of our house payments after we got our taxes back. So I called and informed First Franklin if I could make the payment late by about two weeks, because we were waiting on taxes. They said that would be fine, just make the payment. Well we did that, and about a week after making the payment we went into forclosure. Because they payment never went thourgh, because we breched our contract. I have been fighting this company for a year now. Because this past October we did the Making Home Affordable and got no word from anybody, till I called in at the begining of December. Just to find out that we did not quilfy for it. Now we are going through in house mod, just to find out they no longer except anybody with income coming through unemployment. I found this out two days ago. Now I'm going back agian on the Making homes affordable, with being seven months behind. Just would like to get things done. But I see it's not going to get done. They are not very loyal to thier customers.

I have been looking for some kind of help with my problems with First Franklin and I saw your blog so I figured, what the hell. Please add me to any new or ongoing suit, or list of hard working, true Americans that are standing up against these lying pieces of crap. I am going on 10 months since my first submission of modification paperwork and have been dicked around with ever since. In April of 2009, I started looking into ways to lower my outgoing expenses and here is what has transpired with First Franklin since.

May 26th 2009 - I called and asked for information on a mortgage modification. They said they would send a packet and I needed to fill it out and sends it back to them.

June 4th, 2009 – I received the packet. It required a breakdown of debts, monthly bills, Proof of income, 2 years of tax returns, a copy of all property tax bills and any HOA fees. I completed all requirements of the packet and sent it back in on June 22nd, 2009.

July 6th, 2009 – Received a Congratulations letter from First Franklin Modification dept. They were reviewing my loan and would “get back to me quickly”.

I started calling the beginning of August and continued to do so once every week to check on the status. Every time I called I was told that my account was under review and I would be getting a call within a week or two to finalize the process. I never received a call from the modification department but I did get calls every 2 to 3 days from the collection department wanting payment for my 30 day delinquent payment.

October 2nd, 2009 – Called to inquire about the status of the modification again. This time, the person I talked to told me that they were now running everyone thru the Obama, Making Homes Affordable Plan, and they would be sending out a packet for that and I would need to complete it and return it. They also told me that this was a much faster process and I would have an answer within 2 weeks.

October 6th, 2009 – I received the packet, which contained the EXACT SAME PAPERWORK that the first packet they sent had in it. I called and asked them why I needed to do this again and they said it was going to another department and needed to be done that way. So, I filled it out and sent it in again.

October 26th, 2009 – Called again to check on the status and they said it was still under review and I would hear something in a week or so.

November 17th, 2009 – I sat down with my attorney, Eric Singleton, and we called First Franklin together. He inquired about the status of the modification and the representative told us that it was still under review, she could not tell us if I qualified for the modification under the Obama plan and that my paperwork was not complete and I was missing a 4506-T form. I filled out the form right there and we faxed it to them.

December 1st, 2009 – I called to check on the status again and they told me they were waiting on the property tax reports for 2007 and 2009 from Weber county. I asked them why, because part of the packet requested them, and I had provided that information back in June 2009. They told me that they needed the originals from the state.

I have been calling and bugging them on a weekly basis and cannot get any answers from anyone at First Franklin about any part of the process.

January 11th, 2010 – Paperwork for my Chapter 7 BK was files today.

January 14th, 2010 – Called First Franklin again. I was told that since I had filed a BK, my attorney would need to submit them a release of stay in order for them to proceed with the modification. They have taken months to “work on” my file, but find out about my BK within 4 days and have stipulation about how to handle it already? WOW!!

January 21st, 2010 – My attorney filed the Release of Stay on the mortgage with First Franklin and they said they would update my file and reopen the modification.

January 26th, 2010 – I called ModifyUtah.org and spoke to a representative who was very friendly and helpful. After giving him my income and monthly mortgage information, he was able to tell me instantly that my income to mortgage payment percentage was too low and I would not qualify for the Obama plan, period. This is something that First Franklin told me couldn’t be done without extensive review of my situation.

January 27th, January 28th, and January 29th, I have called First Franklin to make a payment on the mortgage to keep it from going 90 days late, the rep. says they can’t except payment since I am involved in a BK and I keep getting transferred to
Another department where I get sent to voicemail. I have left 3 messages over the last 3 days and no one will call me back. I also tried to log into my online account with them to make payment and I have been Locked out of the site. If I am unable to make payment before February 1st, I will be 90 late and they will pursue foreclosure. They are forcing this to happen by not accepting my payment.

January 29th, 2010 – Called to ask what is the progress with the modification. A very rude and unhelpful representative told me that I was in foreclosure, my account for the modification had been suspended and it was because I had not made a payment since August of 2009. My last payment was made on December 28th, 2009 and they sent me a Thank You letter acknowledging my payment.

February 8th, 2010 – I received a letter stating why I was NOT eligible for the “Making homes affordable plan”, and that they would switch me back to an in house modification. I had been told 11 days ago that my modification had been suspended. Do any of these people know what they are doing?

February 11th, 2010 – I received a new modification packet in the mail. It was identical to the First and the Second packet they had sent me. I called and asked what was going on. I was told that they needed “updated” information to proceed with the in house modification. I explained that I had been told that my modification had been suspended due to my BK, and she said it did not show her that in the system and that everything in my file looked normal. I filled out the new “old” packet again and mailed it in.

Match 30th, 2010 – I called today to check on the status of the new paperwork and was told that they had never received it. I am done with these f---ing people!!!!


Someone has got to be able to do something to stop this. These people are liars, scammers, and are taking advantage of people without a care in the world. Please include me in any type of suit that is going on against these people, as I am more than happy to take these people down. They need to be stopped!!!!

if you were foreclosed on or in forclosure by first Franklin bank or first place bank
please email to classactionfranklin@yahoo.com