As of (06/02/2008) my First Horizon H.E.L.O.C. was closed. I was given no notice even though the customer service representative said a letter was sent last week of 05/26/2008. I have made all my payments but First Horizon made the business decision to close my account in where I can only pay my bill. After searching many websites I found that First Horizon closed their Home Equity Loan center last year. No one from First Horizon has made their consumers aware of this. I would have appreciated a letter stating my contract terms, a reasonable explanation for closing, what the options are, etc..etc...I signed up a bank account just over a month ago to be able to transfer funds between my account and my H.E.L.O.C. I am sure that the representative knew about their H.E.L.O.C. division closing and didn't say a word to me. This is poor communication between the customer and the bank.