Report: #585980

Complaint Review: SABRINA LLOYD & ASSOCIATES

Submitted: Fri, March 26, 2010
Updated: Tue, April 20, 2010

Reported By: Delaunda Milner — United States of America

SABRINA LLOYD & ASSOCIATES

Internet United States of America

Phone:
Web: www.nilicobenefits.com
Category: Insurance Agencies

SABRINA LLOYD & ASSOCIATES SABRINA...MCDONALD'S IS ACCEPTING APPLICATIONS! new york , Internet

*UPDATE Employee: Do I know you, Mark???

*Author of original report: HEY MR. MARK HOW MUCH DID SABRINA PAY YOU TO WRITE THIS NONSENSE?

*UPDATE EX-employee responds: SABRINA LLOYD, IMPERSONATING A FAKE NON EXISTENT EMPLOYEE IS NOT GONNA SAVE YOU - ONCE AGAIN, IF YOU DIDN'T GET THE PREVIOUS MESSAGE, YOU'RE DONE SON

*UPDATE Employee: Delaunda is a Criminal

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1Author 3Consumer 0Employee/Owner

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Since July I have been contacted by many of Sabrina's agents including her own sister. I just want you all to know that it is not the agents doing illegal things it is SABRINA. I was her first agent in Maryland I got to know Sabrina and her deceitful ways very well. I moved with her to New York. That was the worst mistake I ever made in my life. I was with her for 2yrs I absolutely loved American Income and the opportunity but Sabrina totally ruined the opportunity for me. I am a very strong person and I remained loyal to Sabrina but when is enough finally enough. I feel really sorry for the agents who are going through the same things that I did. I worked so hard and I was doing really well. I was let go from the company simply because there was a rumor about her sister (nothing to do with business).

Every time an agent leaves she says that they are doing illegal things however it is a common practice at her agency. Sabrina has payed for hundreds of policies to save her retention. She has even put agents on payment plans to pay her back for the policies that she has paid for them. Sabrina is a very good manipulator and once things hit the fan she will blame everyone but herself and lie on everyone including her own sister Natalie Lloyd. Something really needs to be done. She is a very dishonest person. She does so many things to her agents and it is really unfair to let that continue to happen.

Her husband (boyfriend) works in her office as a manager and he is in the country illegally. He does not have legal papers to even be in the United States but he is responsible for training Sabrina's agents in CT. Sabrina and Karolina-her office secretary copy all the applications and keep them in a bin just in case the business falls off before 4months. It is Sabrina not the agents. If a policy falls off the policy is paid. Sabrina tricks people to do things illegally so that when it comes time for them to leave they will be to scared to express all the illegal things that she has done. The year she wanted to become an SGA she went out and paid for so many policies in Maryland just so she would be able to get the SGA contract she wanted. She makes the agents tell the clients that the company AIL waived the premiums but the truth is Sabrina pays it. She will do anything as long as it benefits her. She makes her agents code random people even if they are not in the home or on their team. Sabrina pays her agents out of pocket to code new agents when she knows very well that the new agent was not in the home. She was accused of this by Richard several times but she just kept lying to cover herself.

Let me be clear, I am not just some angry agent trying to bet back at Sabrina. I just really feel sorry for all the really good agents that work hard every day and because of Sabrina their dreams are ruined. You have to see that Sabrina is a serious problem. Her 2 MGA's that were at the top of the company are not with her anymore. Her own SISTER wants nothing to do with her because of all the things she has done with the business. In fact Sabrina stole 15,000$ from her own sister. She stole many of my belongings when I was leaving the company. I could go on and on about the things that Sabrina has done. It is not fair that she teaches people to do illegal things and then threatens them when they try to leave. Sabrina is so unethical that her "quality specialist" Karolina Debek is a former agent that could not even advance because her retention was so bad. Even Karolina had to pay for her clients policys that lapsed. Sabrina has made up documents on behalf of NILICO/AIL on company letterhead that says that AIL/NILICO can go into a clients account as many times as they need to to collect premiums. Agents are also required to collect policy service forms and additional bank draft forms, and have them signed by the client at the time of the application. This was done so that if the policy falls off within 4months it was easy to pay the policy off and submit for reinstatement many times the clients did not even know their policy was reinstated. This is what the agents are taught as soon as they come in. Most of the time they have no clue as to why they are doing it. I can tell you first hand with my own eyes that Sabrina Lloyd has THE BEST signature when she needs something forged.

I now completely understand what Falvo meant at LDS when he said that when people leave AIL they move on and become TOP PEOPLE at other companies. I have moved on from AIL and I am still doing extremely well with out Sabrina. Its just sad that every other day there is another agent calling me because of what she has done to them. There are so many strong agents that love American Income and want to work for AIL but have left because of Sabrinas unethical behavior. I know from my experience with Sabrina that these agents are telling the truth. She did the same things to me. Look at Natalie Lloyd who was another top MGA. She fired Natalie (her own sister) because she went to dinner with her father not because of anything illegal. Natalie did not do anything wrong. AIL is losing great people because of Sabrina. It is not right for agents to be fired because of personal issues with there SGA. I suggest that you all listen to the agents they are telling the truth. How many more agents have to lose their career and their dream before something is done?

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This report was posted on Ripoff Report on 03/26/2010 05:58 PM and is a permanent record located here: http://www.ripoffreport.com/r/SABRINA-LLOYD-ASSOCIATES/internet/SABRINA-LLOYD-ASSOCIATES-SABRINAMCDONALDS-IS-ACCEPTING-APPLICATIONS-new-york-Int-585980. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 UPDATE Employee

Do I know you, Mark???

AUTHOR: Akmaya - (Virgin Islands (US))

SUBMITTED: Tuesday, April 20, 2010

I's weird how only men speak up for Sabrina. One time I was told by her to use my looks to get in sales, to which I replied that I use my solid knowledge of the product instead, and that's why I have strong relationships with my clients. Be a woman of your word if you claim to be a woman at this point.

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#2 Author of original report

HEY MR. MARK HOW MUCH DID SABRINA PAY YOU TO WRITE THIS NONSENSE?

AUTHOR: Delaunda Milner - (United States of America)

SUBMITTED: Monday, April 19, 2010

THE ONLY THING I CAN DO IS LAUGH AT THIS POST. I AM SURE THIS "MARK" GUY IS SABRINA LLOYD HERSELF...AND SABRINA NOBODY IS THE DEVIL BUT YOU. YOU CALL EVERYONE THE DEVIL IF THEY ARE NOT ONE OF YOUR "BRAIN WASHED PUPPETS". SABRINA LETS FACE IT YOUR COVER IS NOW BLOWN. IT IS NOT ME THAT CARES TO RUIN YOUR REPUTATION AT ALL. ITS THE PEOPLE THAT COULD CARE LESS ABOUT YOUR SUCCESS THAT ARE TAKING YOU DOWN. THE THINGS THAT YOU HAVE DONE TO YOUR AGENTS ARE JUST WRONG AND YOU KNOW IT. YOUR AGENTS CAME TO ME. MANY OF THEM I DO NOT EVEN KNOW. THEY HAVE EXPERIENCED THE SAME THINGS AS I DID. LOOK AT YOUR SELF SOMETIMES SABRINA....YOU DID THIS TO YOURSELF!!!! YOU ARE A LIAR AND MANIPULATOR. AND EVERYBODY KNOWS THAT. YOU BRAINWASH PEOPLE TO THINK LIKE YOU....AND TO THINK THAT YOU ARE THIS STRAIGHT AND NARROW PERSON THAT YOU CLEARLY ARE NOT AND ONCE THEY FINALLY REALIZE WHO YOU ARE THEY WANT TO BE FAR FAR AWAY FROM YOU!!! IF I AM SUCH A CRIMINAL WHY WOULD YOU HAVE ME WORKING AS PARTNERS OF YOUR AGENCY FOR OVER 2YRS? AFTER I LEFT YOUR AGENCY WENT DOWN HILL. I REFUSED TO BE YOUR "PUPPET" ANY LONGER. WE ALL KNOW THE REASON I AM NO LONGER WITH THE COMPANY AND IT HAS NOTHING TO DO WITH ANYTHING CRIMINAL. I WAS LETGO BECAUSE OF A RUMOR ABOUT YOUR SISTER. I HAVE NEVER BEEN CONVICTED OF ANY CRIME...EVER!! IN FACT THAT IS WHY I HAVE AN INSURANCE LICENSE...DUH YOU IDIOT!! I WORKED WITH YOU AND MADE YOU TONS OF MONEY!! I BUILT YOUR AGENCY IN MARYLAND AND WE MOVED TO NEW YORK AND DID AMAZING AGAIN!!! YOUR PSYCO BEHAVIOR CAN ONLY BE TOLLERATED FOR SO LONG....YOU HAD ME TOTALLY BRAINWASHED I AM SO HAPPY I WAS SET FREE FROM YOU!!!! LIKE A BREATH OF FRESH AIR!!! YOU STEAL FROM YOUR OWN FAMILY I DONT NEED TO SAY ANYTHING ABOUT YOUR CHARACTER IT SPEAKS FOR ITSELF. I DONT NEED TO RUIN YOU...YOU HAVE RUINED YOURSELF WITH YOUR DISHONEST AND DECITEFUL WAYS....IF I WANTED TO RUIN YOU I WOULD HAVE DID IT MONTHS AGO....REMEMBER DONT BITE THE HAND THAT FEEDS YOU. I KNOW WAY TOO MUCH ABOUT YOU FOR YOU TO EVEN THINK TO GO THERE WITH ME...YOU KNOW EXACTLY WHO THE CRIMINAL IS!...I HAVE MY OWN BUSINESS TO TAKE CARE OF SABRINA LLOYD IS NOT ON THE TOP OF MY LIST..IT IS THE PEOPLE THAT YOU BETRAYED ME FOR THAT ARE NOW DOING YOU IN. AND YOU DESEARVE EVERY BIT OF IT BECAUSE WHAT THEY ARE SAYING IS THE TRUTH. TELL ROB(THE BOYFRIEND) I SAID HELLO HE WAS ALWAYS A COOL GUY. I AM SURE HE WILL REALIZE WHO YOU REALLY ARE VERY SHORTLY TOO.

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#3 UPDATE EX-employee responds

SABRINA LLOYD, IMPERSONATING A FAKE NON EXISTENT EMPLOYEE IS NOT GONNA SAVE YOU - ONCE AGAIN, IF YOU DIDN'T GET THE PREVIOUS MESSAGE, YOU'RE DONE SON

AUTHOR: Diana - (United States of America)

SUBMITTED: Monday, April 19, 2010

Dear Mark, errrrrr I mean Sabrina Lloyd,

There are places for people like you - here's a hint, they were stray jackets.

Why do you feel a need to create fake documents to try and give someone a bad name just to get the attention off you? Like we can't see through that, you retard.

You are SO STUPID, you think no one's going to notice your word choices, like we can't tell you're pretending to be an 'agent' to stick up for your agency.

You ARE dumb... dumber than a second coat of paint.

Sabrina Lloyd, why don't you stop hiding behind fake names and show your face if you really have something to say? Better yet, why don't you say it to our faces?? That's because you're such a sissy. Time to face the music you little, insignificant dirt bag.

Just go ahead and keep doin' this crap; just keep incriminating yourself. It's making my leg work much easier.

I have AIL, law enforcement, and eyewitness news on your trail, so it's just a matter of time...

Oh, and by the way, I informed ALL your 'agents' and 'managers' to check out ripoffreport.com so they know the crazy lady they're working for. And, don't try and check your agents' phone records, you're already facing imprisonment for numerous other things. You wouldn't want to add to your criminal record, now would you?

Sabrina Lloyd you are UGLY, and I don't just mean on the inside - I mean, have you taken a good look at yourself, lately?? Your face looks like a chipmunk, and you might want to consider having a butt job, and a waist job - it must be weird walking around with your legs connected to your chest. ... Oh, Oh, I almost forgot, you won't be able to afford that because first, YOU HAVE TO PAY ME BACK.

Let us bow our heads in prayer:

God,

First, bless freedom of speech, what goes around comes around,

Save us from Sabrina Lloyd, for we not want to dance with the devil,

Bless us with comfort in knowing the devil, Sabrina Lloyd, will be brought to justice,

Bless us with peace in her punishments,

Restore what is rightfully ours, from which the devil, Sabrina Lloyd has taken from us,

Bring us wisdom in the further prosecutions of the devil, Sabrina Lloyd, and

Deliver us from her evil,

Amen

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#4 UPDATE Employee

Delaunda is a Criminal

AUTHOR: Mark - (United States of America)

SUBMITTED: Sunday, April 18, 2010

As a current agent with the Sabrina Lloyd & Associates agency in New York (and one, along with many other agents that are doing very well) I would like to clarify that the ex-agent, Delaunda who wrote the previous report has had a long standing bad reputation with the law in both Maryland and New York. She was asked to leave the agency for very good reasons and will stop at nothing to make others look bad and ruin their reputations. She should be ashamed of herself and probably focus more on correcting problems in her own character and life than blaming others. You might want to check out one of her latest problems with the law back in Maryland. To trust a criminal's word is to dance with the devil. File Format: PDF/Adobe Acrobat - Quick View
(B) Delaunda N. Milner, License RPI No. 99970256, shall pay an administrative penalty simultaneously with her signing of the Consent Order in the amount of ...
www.mdinsurance.state.md.us/sa/documents/MIA-2008-04-031-Milner.pdf

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