Firstly, your home connection is probably ADSL so the 3meg speed refers to the maximum download speed. The upload speed with ADSL is always a small fraction of the download speed. That's what the A stands for in ADSL - asymmetric.
As to what the problem is with the resulting file, it's very hard to say - so that I can see what is going on, please repeat the problem then select Save FTP Transcript from the File menu and send the resulting file to me:
support at yummysoftware dot com