I can understand your issue because this happened to me with a western union quick collect. I sent a western union with a 1124.00 payment to begin a payment plan to stop forclosure. we have two loans with First Franklin/Homeloan services. 80/20 mortgage. the money to start the plan was put on the loan that wasn't in foreclosure. I spoke with Ms Crawley who is Handling our acct and she assured me that she would have the funds transferred to the right account. the payment was sent on Feb 27th today is march 19 and still no changes. I signed up With NACA to get help. If you haven't done so check out HOPENOW.com or Naca.com to see if a counselor can help you. Remember couseling should never cost you anything so if anyone ask for money watch out. Please don't wait on First Franklin to help you because the time waiting means an Auction Date. Help is available. I will post an update regarding my FF issues as the results are made available.