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Report: #300508

Complaint Review: First Franklin Home Loan Services - San Jose California

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  • Reported By: Chicago Illinois
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  • First Franklin Home Loan Services 2150 N. First St San Jose, California U.S.A.

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The company pretended to be working with me when my loan was behind, and I found out that they were trying to sell the property. The next thing is that after I had a fire and submitted the insurance check to them for endorsement so that the contractor may start to work, they are holding the check now for more than two week, and the property is being vandalized continuously by vandals.

Representative from First Franklin has been deceptive and unfair in several ways. Past having some hardships in my life , I fell behind on my mortage, and I call them to make some arrangement to get back on track. During a forbearance arrangement they had me send in my paystubs, and they set a payment that was above my net pay. After struggling to keep this payment up with assistance from family members, I called again to discuss options of how to get the payment reduced, on which never happed instead they went up.

Finally when I thought everything was OK with my payment plan as they informed me, I started to receive mail talking about my property was up for sell. The notices had an actual sell date on them. With receiving this and fearing being homeless, I immediately consulted an attorney for directions. The attorney confirmed that this notice was legitimate and the only actions to stop the sell was a bankruptcy. With this being completed I still find myself in a delima, and at risk of being homeless. My payments are $3200. a month, and this is a stressful situation. The attorney now is saying that he can't renegoiate the payment down any. I'm unable to find someone to refinance my mortgage so that I may have a lower interest rate and payment. The entire situation is causing me a great deal of stress that's resulting to physical illness.

Everyday I find myself talking pain medications either for continued headaches or bellyaches. Attempting to talk with representive at the company is awful. Several times after mailing in information or faxing over document, they've said that they didn't receive them, and you may speak to someone else at the same company that would look in the computer and confirm that they are there. This company has not provided me with quality assistance at all. The personalities in the beginning of the loan diappeared once I was trapped into this contract. The interest rate on my loan are constantly going up. Please provide me with what information may be available to correct this situation, because I'm running into brick walls.

Simplicity
Chicago, Illinois
U.S.A.

This report was posted on Ripoff Report on 01/16/2008 09:14 AM and is a permanent record located here: https://www.ripoffreport.com/reports/first-franklin-home-loan-services/san-jose-california-95131/first-franklin-home-loan-services-san-jose-california-300508. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#4 Consumer Comment

I Have been deceived by First Franklin/Home Loan Services

AUTHOR: Henrietta - (U.S.A.)

POSTED: Sunday, August 24, 2008

We Puchase Our Home Three Years ago.My husband was excited to surprise me before the birth of our new son.We move in the house a month before closing.We had already discuss if we don't move before the baby then we won't for a while.We closed on the house before the baby the seller was suppose to come back to finish work but never did.Our payment was 687.98 we paid for 2 years good payments went to try to refinance before our rate adjust and couldn't.We found out that the house was over appraised 20,000 dollars.

So i contact the attorney general office and filed a report.They informed me that they only can take his liscense but they couldn't get me any money. I couldn't get the house refinance because we old more than the house was worth.I contact FF they told me that it wasn't nothing they can do but we sell the house for what we can get but we pay the rest.I have refer this seller several people and come to find out we all is in the same position.

First franklin really is a company that pretends to help people and don't.Very deceiving,manipulating company.We had a hardship need help getting back on track they took forever.Pretending they wasn't getting our check stubs etc. We was under the impression that our new payment was gonna be 699.87.Which was that bad come to find out they decive us even in the paper work.Our new payment just about double.I wasn't pulling in the money i was in the retail industry due to the economy is very bad.A company like this is why.So we Refuse to struggle with this payment of deception more than what we can afford.

So now we in Foreclosure and don't know whst to do or where to go.We had a very good credit score.Which now we don't know what it is or what to do.My Husband I are very stress out we would like to keep our home.We would like and help or words of advice.We go and meet with a nonprofit organization this week.I believe GOD for Favor and help to work it out in our favor with this corrupt company.We need to be relieve of this pressure.Help all of us Lord who have been deceive by this corrupt company in Jesus name Amen......

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#3 Consumer Comment

I Have been deceived by First Franklin/Home Loan Services

AUTHOR: Henrietta - (U.S.A.)

POSTED: Sunday, August 24, 2008

We Puchase Our Home Three Years ago.My husband was excited to surprise me before the birth of our new son.We move in the house a month before closing.We had already discuss if we don't move before the baby then we won't for a while.We closed on the house before the baby the seller was suppose to come back to finish work but never did.Our payment was 687.98 we paid for 2 years good payments went to try to refinance before our rate adjust and couldn't.We found out that the house was over appraised 20,000 dollars.

So i contact the attorney general office and filed a report.They informed me that they only can take his liscense but they couldn't get me any money. I couldn't get the house refinance because we old more than the house was worth.I contact FF they told me that it wasn't nothing they can do but we sell the house for what we can get but we pay the rest.I have refer this seller several people and come to find out we all is in the same position.

First franklin really is a company that pretends to help people and don't.Very deceiving,manipulating company.We had a hardship need help getting back on track they took forever.Pretending they wasn't getting our check stubs etc. We was under the impression that our new payment was gonna be 699.87.Which was that bad come to find out they decive us even in the paper work.Our new payment just about double.I wasn't pulling in the money i was in the retail industry due to the economy is very bad.A company like this is why.So we Refuse to struggle with this payment of deception more than what we can afford.

So now we in Foreclosure and don't know whst to do or where to go.We had a very good credit score.Which now we don't know what it is or what to do.My Husband I are very stress out we would like to keep our home.We would like and help or words of advice.We go and meet with a nonprofit organization this week.I believe GOD for Favor and help to work it out in our favor with this corrupt company.We need to be relieve of this pressure.Help all of us Lord who have been deceive by this corrupt company in Jesus name Amen......

Respond to this report!
What's this?

#2 Consumer Comment

I Have been deceived by First Franklin/Home Loan Services

AUTHOR: Henrietta - (U.S.A.)

POSTED: Sunday, August 24, 2008

We Puchase Our Home Three Years ago.My husband was excited to surprise me before the birth of our new son.We move in the house a month before closing.We had already discuss if we don't move before the baby then we won't for a while.We closed on the house before the baby the seller was suppose to come back to finish work but never did.Our payment was 687.98 we paid for 2 years good payments went to try to refinance before our rate adjust and couldn't.We found out that the house was over appraised 20,000 dollars.

So i contact the attorney general office and filed a report.They informed me that they only can take his liscense but they couldn't get me any money. I couldn't get the house refinance because we old more than the house was worth.I contact FF they told me that it wasn't nothing they can do but we sell the house for what we can get but we pay the rest.I have refer this seller several people and come to find out we all is in the same position.

First franklin really is a company that pretends to help people and don't.Very deceiving,manipulating company.We had a hardship need help getting back on track they took forever.Pretending they wasn't getting our check stubs etc. We was under the impression that our new payment was gonna be 699.87.Which was that bad come to find out they decive us even in the paper work.Our new payment just about double.I wasn't pulling in the money i was in the retail industry due to the economy is very bad.A company like this is why.So we Refuse to struggle with this payment of deception more than what we can afford.

So now we in Foreclosure and don't know whst to do or where to go.We had a very good credit score.Which now we don't know what it is or what to do.My Husband I are very stress out we would like to keep our home.We would like and help or words of advice.We go and meet with a nonprofit organization this week.I believe GOD for Favor and help to work it out in our favor with this corrupt company.We need to be relieve of this pressure.Help all of us Lord who have been deceive by this corrupt company in Jesus name Amen......

Respond to this report!
What's this?

#1 Consumer Comment

I Have been deceived by First Franklin/Home Loan Services

AUTHOR: Henrietta - (U.S.A.)

POSTED: Sunday, August 24, 2008

We Puchase Our Home Three Years ago.My husband was excited to surprise me before the birth of our new son.We move in the house a month before closing.We had already discuss if we don't move before the baby then we won't for a while.We closed on the house before the baby the seller was suppose to come back to finish work but never did.Our payment was 687.98 we paid for 2 years good payments went to try to refinance before our rate adjust and couldn't.We found out that the house was over appraised 20,000 dollars.

So i contact the attorney general office and filed a report.They informed me that they only can take his liscense but they couldn't get me any money. I couldn't get the house refinance because we old more than the house was worth.I contact FF they told me that it wasn't nothing they can do but we sell the house for what we can get but we pay the rest.I have refer this seller several people and come to find out we all is in the same position.

First franklin really is a company that pretends to help people and don't.Very deceiving,manipulating company.We had a hardship need help getting back on track they took forever.Pretending they wasn't getting our check stubs etc. We was under the impression that our new payment was gonna be 699.87.Which was that bad come to find out they decive us even in the paper work.Our new payment just about double.I wasn't pulling in the money i was in the retail industry due to the economy is very bad.A company like this is why.So we Refuse to struggle with this payment of deception more than what we can afford.

So now we in Foreclosure and don't know whst to do or where to go.We had a very good credit score.Which now we don't know what it is or what to do.My Husband I are very stress out we would like to keep our home.We would like and help or words of advice.We go and meet with a nonprofit organization this week.I believe GOD for Favor and help to work it out in our favor with this corrupt company.We need to be relieve of this pressure.Help all of us Lord who have been deceive by this corrupt company in Jesus name Amen......

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