<moderator: delete personal comment> … here is how it works–There is a script and a plan they follow relentlessly ..Firstly .they call me cold and tell me I have gone into their draw for a free holiday, no strings attached…(???This is just the first bit of grooming for the next call.. Normally I just hang up on these types but I just went along with this one because they didn't seem to be asking me for anything…hmmm)
…then a few days later, "hey how are you?…yes just confirming you are still in the lottery and as we said we would call you back…(did they?, cant remember that)… "Do you have a mortgage…oh you do, hey…we can come to you and show you how you can save thousands on your mortgage… (well why not I thought, what is there to lose?)
And so a few phone calls later- checking up on me I think…(It's all downhill from here), they send someone around to the house, and they basically won't leave till I sign over $400 for a financial assesement plan. Basically they claim they are in the business of pooling loans and getting cheap interest rates from major lenders…And they can do that because thats what they do!"…"they love helping people by saving them tens of thousands" hmmmm..
Then a few days later I get a call, "hey GREAT NEWS we got a great deal and it will save you $400, 000 dollars on your 30 year loan. You will pay off your $300, 000 mortgage in 7 years, etc …come down to Parramatta and sign the papers…( I told them I don't have the time to race off to Parramatta, and sign what papers?)

So far they wont mail out the report I was expectng-if it exists, they would not come back with it and insisted that I go to Parramatta which is way out from where I live!
So my 'assesment' so far is that these operators are very manipulative. the main part of there method is to groom people through various stages or levels of involvement. I have seen this 'attitude' typically in people in pyramid schemes, very enthusiastic and very pushy. They caught me out at a time when I was exhausted with work doing 12 and 14 hr shifts for the last 2 months.
The moral is… if you are tired ( and even if your not) don't sign anything!