Timeline Of Events
Stage 1: Courting My Cash
October 5, 2010
I contacted Allan H. and explained my situation. I emphasized that I'm not in foreclosureor late on payments. He provided a run down of FTS services and I responded via emailto ask the question: "I'm curious, since I don't plan to foreclose, if there would be anysignificant benefits to this approach for me?" To which he replied saying thatthisprogram would be perfect for me and that I have a reason to keep my property byrevealing the facts regarding the situation and brining them to light.
October 29, 2010
After speaking with Allan on the phone I was handed off to Kim B. and assured I was ingood hands. I have a quick call with Kim on which I clarify that I am not in foreclosureand ask what the end goal is by me signing on for their program; in other words what dowe seek to gain when all said and done?She says that their goal is to uncover fraudand prove that the bank has already been paid for my home by insurance and other layers of protection that was built into my mortgage. FTS will get my home free andclear by proving this.Kim followed up with an email including the Homeowner Information Packet for me to fillin and send back with my mortgage docs.I followed up to Kim's email asking "If I opt for the discounted $3500 rate and in the firstor second stage of the process you discover there won't be anything you can do incompleting the remaining parts, is money then refunded for the parts that weren'tcompleted?" To which she replied
"We will refund the entire cost. Includingthe money for the investigation."
November 3, 2010
Satisfied with both Allan and Kim's assurances and the fact that I was sent to them by areferral, I spent the weekend going through my files and making photo copies of stacksof mortgage documents from my original loan. I mailed off the packet and byWednesday, November 3rd, payment had been made. Kim handed me off to another processor named Delia D. via email.
Stage 2: Money For Nothin'
November 9, 2010
I provide Delia with some final documents she needs to start Stage 1 of my case.According to their packet it will be 10 days later that Stage 1 is complete.
November 17, 2010
*Disclaimer: The views and opinions expressed in this article are those of the authors. I am sharing my ﬁrst hand accountin a manner that I personally deem truthful though it does not necessarily reﬂect fact as determined in the court of law.