I Find it ODD a Loan Company would to the extent of returning and not applying prnalties, much less post a payment date that was after the fact due to customer Error!..
My Expierence with 1st Franklin has been HAIR PUING!.
Not posting payments, adding penalties upon penalties, and not making modifications to their accounting errors on posting PAYMENTS on Loan accounts.
I found I was trying to work with one Depatment to have them provide an AUDIT of my payments so, I can show them WHERE they have Not applied payments based on my cancelled checks, and or Money Orders.
Their standing postion was may the payment and we will make any adjustments lateand credit your account if any amounts have been overlooked.
While that was going on, they were filing FORECOLUSRE papers! In an effort to maintain my HOSE, and get it starightend up, I went into a Settment payment agreement to get the so called Arrears ( $18, 000) payed, stay current, and get it resolved.
As I was making payments into the agreement, they filed the Filanl Forclosure Paperwork with their LAw Firm, and when I called them on it!, They said their was nothing they could do, it was a clecical error, and if I stay currrent and dont miss a month, I should have no problem.
I stayed current all but the last 2 months, I called to inform them I would be late, and they said that was Fine. I found out they had infact already placed my property up for Auction on the following Auction date.
I was Forced into a Forclosue Protection to get them to come to the TABLE!.
I too am Seeking others that have Similar Auditing or failure on 1st Franklins part to keep Current CORRET accounts and Balances.
This may be a Class Action Suit against 1st Franklin!.