• Report: #372801

Complaint Review: Stuart Allan & Associates, Inc - Bankers Life And Casualty Insurance

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  • Submitted: Sun, September 14, 2008
  • Updated: Tue, December 23, 2008

  • Reported By:port orange Florida
Stuart Allan & Associates, Inc - Bankers Life And Casualty Insurance
5447 /E 5th St. Suite 110 : 600 /West Chicago Ave Internet U.S.A.

Stuart Allan & Associates, Inc - Bankers Life And Casualty Insurance harrassment persecution illegal collection without itemized statement relentless threats of lawsuits. A result of my quitting Bankers as a manager and trainer because of the illegal & immoral activities in our branch office with the manager and his wife regarding new agents and clients. After I left the manager made it his mission to give me $10,000 in chargebacks. Tucson Arizona, Chicago Illinois Internet

*UPDATE EX-employee responds: Stuart Allen & Associates / Bankers Life & Casualty; "If you give them enough rope,.."

*UPDATE EX-employee responds: Stuart Allen & Associates / Bankers Life & Casualty; "If you give them enough rope,.."

*UPDATE EX-employee responds: Stuart Allen & Associates / Bankers Life & Casualty; "If you give them enough rope,.."

*UPDATE EX-employee responds: Banker's Life & Casualty guilty of attempted extortion.

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This is about the harrassment and on-going threats of Stuart Allan and Associates and Bankers Life and Casualty and their treatment of new agents and the illegal and immoral activites in the branch office. This is only a quick
snysposis of the actual case, there a many details.
I was a manager and new agent trainer for Bankers Life and Casualty, When they hired a new branch manager who hired his wife, with no experience, and also made her a manager giving him(the manager) a double bonus at the end of each month, nothing was done about this nepotism. This was normal practice in the branch offices. To make matters worst, the manager promised the new agents total benefits package after 90 days ,this did not exist. Also the new agents were promised fresh leads on a daily basis, this did not happen, the managers wife received these leads. The new agents got leads that were 1 to 2 years old. Many of the new agents (who barely) had gas money gave the manager $200 and even more to buy leads and never received any leads. A new health care supplement came out and the new agents were lied to about the benefits to the client. All the manager and sales manager wanted was commission. Which brings up another issue. We had a sales board. The normal commisson monthly on that sales board for a good veteran agent would be around $5,000 to $8,000, the managers wife's commission was always $40,000 to $70,000. Was something wrong? The home office at Bankers knew this and did nothing. New agents were nothing but lied to and treated as telemarkets for managers. I could not take it any longer. Many of these people gave up good jobs for this. Also they were treated like employees. They had to be in the office at 8:00 AM three days a week and if they had a sick child or a doctors appointment they had to ask off. These people were contracted agents. Yet they were treated as employees. I left and so did the other training agents after a year of these
illegal and immoral actions. And then came Stuart Allen and Associates.
They began calling many of these same agents threatening law suits for chargebacks. Bankers Life and Casualty went after every agent regardless of how long that agent had been with the company or if that agent had actually been given any goods leads or not. The agents were intimated into payback.
The branch manager saw to it that I did not receive my renewals after I left, I have not received not one. They sent me a letter for $9974.76 and have threated me with phone calls law suits and will not let up. I had no chargebacks when I left Bankers Life and Casualty. I left with a clean slate.
The manager was so angry with me when I left, he actually told me he would
would have to go to work and bring in $300,000 in commissions himself. I was the only trainer left all the others had quit.
Stuart Allen and Associates have badgered and threatend and harrassed me and I am 65 years old. After I left Bankers I got hit by a hacker who took everything I own. Everything. I have nothing but social security. I had a nervous breakdown. The hacker actually indexed my insurance website (my new one with all the pornsites on the internet) and I cannot sell insurance because he lives within 500 and if I use a wireless computer he can read my computer screen. Stuart Allan and Bankers Life know this and still threatens me with a law suit. They will not stop. I do not know what to do. The authorities will do nothing about this hacker even though I have evidence.
Stuart Allan and Bankers Life have made my life even more of a living hell.

Patricia
port orange, Florida
U.S.A.


This report was posted on Ripoff Report on 09/14/2008 11:31 AM and is a permanent record located here: http://www.ripoffreport.com/r/Stuart-Allan-Associates-Inc-Bankers-Life-And-Casualty-Insurance/internet/Stuart-Allan-Associates-Inc-Bankers-Life-And-Casualty-Insurance-harrassment-persecuti-372801. 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 EX-employee responds

Stuart Allen & Associates / Bankers Life & Casualty; "If you give them enough rope,.."

AUTHOR: Exblcagt - (U.S.A.)

While it's fair to say that the tactics, (particularly as it applies to Stuart Allen), are inexcusable, I am glad to see that there is a place to chronicle the experiences of those of us who have been subjected to this legalized extortion. I was a field trainer when I gave my two-week notice to Bankers, in August, 2007, to take an infinitely better job in a different industry, where I continue to do quite well, thank you.

Since last spring, Stuart Allen & Associates has tried, (unsuccessfully), to utilize their underhanded tactics to get me to hand over more than $1,000.00 to them without making any effort to show me anything that says I am legally obligated to pay them, or give any accounting of how they came up with the dollar amount they say I owe them. I have even told them from the beginning, on more than one occasion, verbally and in subsequent letters to them, that I would be willing to come to a settlement if they would provide me with the proof that we are ALL LEGALLY ENTITLED TO.

To paraphrase their response, they have said they don't have to prove anything to me...pay up, or we'll ruin your credit.They put it on my credit report in violation of Federal Law. So, if I can offer any advice, everyone who reads this, (Hello everyone at Stuart Allen!, Merry Christmas!), needs to know their rights under the Fair Credit Reporting Act and the Fair Dept Collection Practices Act. There are plenty of places on the net where you can find information on protecting yourself against these unfortunate bottom feeders who have difficulty finding stable, honest work. Contact your local police dept. and the Tucson or Houston Police and file a harassment complaint if they continue to call.

Also,file complaints with the Attorney's General in your home state and in Arizona, (their home state), the Federal Trade Commission, The US Postal Service and any other government agency or consumer advocate organization. Build your case with documentation and calculated steps. These companies are largely unregulated and seem to have little regard for the law or the rights of the people they are trying to collect from.

Eventually, there will be enough information on record where local, state and the federal government will start to take notice. Get legal advice. If you can't afford a lawyer talk to legal aid. You have rights. Don't let them walk on you. More later...Good Luck & Merry Christmas!
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#2 UPDATE EX-employee responds

Stuart Allen & Associates / Bankers Life & Casualty; "If you give them enough rope,.."

AUTHOR: Exblcagt - (U.S.A.)

While it's fair to say that the tactics, (particularly as it applies to Stuart Allen), are inexcusable, I am glad to see that there is a place to chronicle the experiences of those of us who have been subjected to this legalized extortion. I was a field trainer when I gave my two-week notice to Bankers, in August, 2007, to take an infinitely better job in a different industry, where I continue to do quite well, thank you.

Since last spring, Stuart Allen & Associates has tried, (unsuccessfully), to utilize their underhanded tactics to get me to hand over more than $1,000.00 to them without making any effort to show me anything that says I am legally obligated to pay them, or give any accounting of how they came up with the dollar amount they say I owe them. I have even told them from the beginning, on more than one occasion, verbally and in subsequent letters to them, that I would be willing to come to a settlement if they would provide me with the proof that we are ALL LEGALLY ENTITLED TO.

To paraphrase their response, they have said they don't have to prove anything to me...pay up, or we'll ruin your credit.They put it on my credit report in violation of Federal Law. So, if I can offer any advice, everyone who reads this, (Hello everyone at Stuart Allen!, Merry Christmas!), needs to know their rights under the Fair Credit Reporting Act and the Fair Dept Collection Practices Act. There are plenty of places on the net where you can find information on protecting yourself against these unfortunate bottom feeders who have difficulty finding stable, honest work. Contact your local police dept. and the Tucson or Houston Police and file a harassment complaint if they continue to call.

Also,file complaints with the Attorney's General in your home state and in Arizona, (their home state), the Federal Trade Commission, The US Postal Service and any other government agency or consumer advocate organization. Build your case with documentation and calculated steps. These companies are largely unregulated and seem to have little regard for the law or the rights of the people they are trying to collect from.

Eventually, there will be enough information on record where local, state and the federal government will start to take notice. Get legal advice. If you can't afford a lawyer talk to legal aid. You have rights. Don't let them walk on you. More later...Good Luck & Merry Christmas!
Respond to this report!
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#3 UPDATE EX-employee responds

Stuart Allen & Associates / Bankers Life & Casualty; "If you give them enough rope,.."

AUTHOR: Exblcagt - (U.S.A.)

While it's fair to say that the tactics, (particularly as it applies to Stuart Allen), are inexcusable, I am glad to see that there is a place to chronicle the experiences of those of us who have been subjected to this legalized extortion. I was a field trainer when I gave my two-week notice to Bankers, in August, 2007, to take an infinitely better job in a different industry, where I continue to do quite well, thank you.

Since last spring, Stuart Allen & Associates has tried, (unsuccessfully), to utilize their underhanded tactics to get me to hand over more than $1,000.00 to them without making any effort to show me anything that says I am legally obligated to pay them, or give any accounting of how they came up with the dollar amount they say I owe them. I have even told them from the beginning, on more than one occasion, verbally and in subsequent letters to them, that I would be willing to come to a settlement if they would provide me with the proof that we are ALL LEGALLY ENTITLED TO.

To paraphrase their response, they have said they don't have to prove anything to me...pay up, or we'll ruin your credit.They put it on my credit report in violation of Federal Law. So, if I can offer any advice, everyone who reads this, (Hello everyone at Stuart Allen!, Merry Christmas!), needs to know their rights under the Fair Credit Reporting Act and the Fair Dept Collection Practices Act. There are plenty of places on the net where you can find information on protecting yourself against these unfortunate bottom feeders who have difficulty finding stable, honest work. Contact your local police dept. and the Tucson or Houston Police and file a harassment complaint if they continue to call.

Also,file complaints with the Attorney's General in your home state and in Arizona, (their home state), the Federal Trade Commission, The US Postal Service and any other government agency or consumer advocate organization. Build your case with documentation and calculated steps. These companies are largely unregulated and seem to have little regard for the law or the rights of the people they are trying to collect from.

Eventually, there will be enough information on record where local, state and the federal government will start to take notice. Get legal advice. If you can't afford a lawyer talk to legal aid. You have rights. Don't let them walk on you. More later...Good Luck & Merry Christmas!
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#4 UPDATE EX-employee responds

Banker's Life & Casualty guilty of attempted extortion.

AUTHOR: Kevin - (U.S.A.)

I have a very similar problem with Banker's Life. I worked there for three months before realizing what kind of opearation they were running. I believe they are guilty of deceptive practices and very high pressure sales tactics first of all. Especially considering that their primary market is seniors. Seniors are particularly vulnerable to the borderline illegal sales techniques that Banker's uses.

At any rate, I quit my job in June 08 and in November I received 2 letters from Banker's wherein they threatened to falsify my records to reflect that I had been fired for some unspecified reason if I did not pay them $268. They claim I owe this because some clients canceled their policies. This letter is attempted extortion as defined by the Hobbs Act. Furthermore, the letter also constituted a state crime in West Virginia, where I live. It is illegal to threaten one's reputation conected with an attempt to get money. Obviously, if they change my personnel file to indicate that I was fired, then my reputation will be damaged. Also, they obviously are in collusion with Stuart Allan. So, it appears they are conspiring to extort money; not only from me, but from others as well. If such a pattern can be established, and I think it can, then they can both be sued in civil court as well as have criminal charges brought against them.

To remedy this situation, first of all I have filed a complaint with my state insurance commisioner and sent them a copy of the letters that Banker's sent me. The insurance commissioner told me that a similar complaint had been filed before but that the victim had apparently given in when Banker's said he signed a contract allowing them to do this. That is total garbage, and simply another scare tactic. The "contract" they are waving around isn't worth the paper it is written on when it comes to something like this. First of all it is a contract of adhesion. That is, "take it or leave it." Moreover, a court would construe the contract against the party that drafted it. That means the agent gets the benefit of the doubt.

I have also filed a complaint with the US Postal Service because they have jurisdiction to investigate cases of suspected fraud, extortion, etc., when the illegal behavior utilizes the interstate mail system.

I am also preparing to file suit against Banker's for defamation in civil court. Realize that if they have damaged your reputation in your profession, such as they have done mine, then it may be the case that damages will be presumed and punitive damages allowed. I urge anyone with a similar problem to consult an attorney that specializes in defamation cases and also to file a complaint with the Postal Service.
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