This is lengthy but needs to be said. It is a great elaborate scam. I was contacted by an agent representing American Financial Services, Wilminton DE who said they have been in business 11 years, to inform me they had a buyer for a Time Share I owned in Kissimmee FL. I had it on a listing site. After telling me there were no upfront fee's I agreed for him to send me a contract to review. He sent me a a very professional contract via e-mail with our names as sellers and buyers names on it who lived in TX. After reviewing the contract, it said I was responsible for a processing fee of $2,276.00 for title work. When talking again to him on the phone about this, he informed me the figure was wrong and should have been $1,227.50 as he negotiated with buyers to pay part of this. He said to cross out figure and enter proper one and both myself and wife to initial it. I reminded him he told me I would have no upfront fees. He said the seller is responsible for this after they receive a down payment from the buyer. I did not like this or changing the figure, so I told him to keep out my fee after the deal is done and send me the balance, but he said that was not legal. Ha,ha. Besides he said the fee goes to them for the paper work. After doing some research my gut feeling was not to sell. When I informed him this on the phone a day later, he told me I already had made a verbal contract with him to start proceedings and he had a non-refundable down payment of $5,765.00 from the buyer. I told him to refund the down payment back to them and he said the lender would not do that. So I ask who the lender was and he said it was a hedgefund company called Vacation Funding LP of New York. So he told me to send an overnight certified check to a Payment Processing Center in Florida. Certified check is untraceable. I found the payment center to be The UPS depot. I called them and they said they rented boxes to business's for special packages. Why though would I send the money to FL, when American Finacial Services is doing paper work in DE. After doing research on Vacation Funding LP, I found they made a business merger with First Capital Financials of CA back in October 2011 to fund TimeShare buyers. A $10.2 million venture. At this point I felt a little more comfortable, until I found First Capital Financials has a bad rating of not giving sellers their money for sold time shares. Mean while, I searched for the potential buyers of my Time Share on the internet to see if they were real players, but all I found was their names and address. Phone not listed. Unsure if they are in this or not. American Financial Services is trying to make me the bad guy if I don't send the processing fee. He said the company will receive a bad rating and the buyers are out of their down payment. That doesn't seem legal. This investigating has been exhausting.. I have filed a complaint with The Federal Trade Commission and a Real Estate Scams Attorney for my protection. I should have taken my own advise and hung up the phone when he first called but this scam was very different. However, a scam by any other name is still a scam. Maybe American Financial Services is being scammed too. When he calls again, I will inform him what I have done and to show me if they are not a ripoff business, once Vacation Funding LP sends me my money, I will send them the processing fee. If they will not agree to this I will let the Federal Gov't handle it.