BRIAN and TONI HAMMOND, GEORGE and NADINE HESS, DON and DONNA GERBELING, Individually and on Behalf of All Other Persons Similarly Situated, Appellants, vs. FLORIDA ASSET FINANCING CORPORATION, Appellee, and NORTHEAST NATIONAL BANK, NORTHWEST NATIONAL BANK OF ARLINGTON, FIRST FAMILY FINANCIAL SERVICES, and CALVARY INVESTMENTS, L.L.C. f/k/a ZIRMACK INVESTMENTS, L.P., Defendants.