• Report: #729541
Complaint Review:

People Helping People

  • Submitted: Sun, May 15, 2011
  • Updated: Mon, May 16, 2011

  • Reported By: Robert — Lancaster California United States of America
People Helping People
Los Angeles, California Lancaster, California United States of America

People Helping People PHP Marketing Pyramid Scheme Scam Lies Insurance Rip-off MLM Lancaster, California

*UPDATE Employee: Sharing the facts

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I only wish to present some simple facts with commentary. My hope is that the reader considers the facts, and then considers the validity of my comments.

I had been recruited to join People Helping People (PHP). I now regret it. They got $100 from my Fiance and I for the registration. This was fine. Then they (She) got us to go on a trip to Las Vegas. This was great! We paid more for that of course. Admittedly, from the start she had been sprinkling in carefully chosen fragments of the truth with her rhetoric so that at no point could she be called on to answer to the false pretenses and dream selling that PHP have mastered to manipulate people. The victims have mouths to feed, and are lead to believe that it is a legitimate opportunity.

Let me pause to say that this is not hyperbole. I am making no effort to exaggerate, while I am making my best effort to convey my thoughts by using the English language as clearly and succinctly as I can. [continued below]....
.....

Continuing, she told us that to sell policies, it is our obligation to apply for one as well. So, she led us through the application, and we signed. She did this after doing what they call "take away", which is where they say things like "We don't work with everyone because we're very picky" and "I can't make any promises". We were needy and she took advantage of us. I will never see it any other way.

The rigmarole for new recruits is to procure 25+ qualified families that meet certain criteria so you can help and/or recruit them. Also, there is strong emphases placed on a quota of ten field trainings, which is where you take a PHP employee to a families house and then he or she tries to write the policy under the guise of Training.

These field trainings are where PHP participants write most of their policies. Their mission statement is to help people, and yet any participant interaction with strangers is done with the sole emphases of recruitment. (Their training manual or Play Book is all the evidence of this you need.) Arranging these trainings is hawked to the participant with a promise of creating a strong downline, yet the primary concern of the upline is that you bring them field trainings, as described above. It has been said amongst the well initiated that your residuals will likely never be substantial.

A good portion of the time you spend with your recruiter is devoted to indoctrinating you with the idea that PHP represents a higher calling, and that you are discovering an opportunity to participate. They speak of the future success of life insurance agents due to baby boomers. This is fine. If that is true, why is it so rare that they push you to achieve licensure to actually write your own policies? The answer? You are far more useful to them as long as you continue to take them on these field trainings when the trainer is the one getting paid to write the policy. They sell you a dream of being successful for your family, then after you take them out to write some polices they tell you that you are ready to go for the license. But theres no hurry.

Consider for a moment the plight of one that has studied but cannot seem to pass the test, yet has taken these liars on numerous field trainings on which they have written policies and profited. The trainee has nothing to show for it, but the big wheel keeps turning. Once the trainee grasps this whole scenario, how are they to feel? What do they say to their family after promising each day that they may have found an answer to their financial woes? An answer to their empty fridge? The trainee has been devoting time to PHP while having to answer to their family. This is hurtful.

People Helping People uses people and profits from them before the victims even know if they will be able to do the business themselves. Sadly, in the execution of this business, you must manipulate others just the same to be at all successful. This is not the first mlm (multi level marketing) scheme of its kind, nor is it the last, I assure you. I have written this so that people can be careful and discriminating with their time. Please spread the word to help create awareness of scams like this. People should know the truth. There are people that are actually in the company that dont see it for what it truly is. I hope to change that.

I welcome and appreciate rebuttals and/or comments, even if you're paid to do it.

This report was posted on Ripoff Report on 05/15/2011 11:05 AM and is a permanent record located here: http://www.ripoffreport.com/reports/people-helping-people/lancaster-california-/people-helping-people-php-marketing-pyramid-scheme-scam-lies-insurance-rip-off-mlm-lancast-729541. 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

Sharing the facts

AUTHOR: PHP Agency - (United States of America)

Sometimes detractors of word-of-mouth and relationship marketing business models such as PHP are targeted because of their unique business models. At PHP, we are proud of how we conduct business and the opportunity we provide to individuals regardless of their background, age, religion, education or demographic. We believe in an upfront and honest explanation about what our opportunity is all about, and what new associates can expect from PHP.



PHP does not pay you to recruit.



First off, People Helping People recruits just like the military, Apple, Microsoft, Wal-Mart, Morgan Stanley and other successful organizations. In order for an organization to grow you must recruit; every successful business recruits. In fact, just like any other sales position, only about 10% of our new recruits are able to make it in this trade. This isnt because our recruitment strategy isnt effective, but it is because being successful in PHP requires a lot of work. Less than 5% of real estate agents are in business three years after getting their license, but that doesnt mean that real estate is not a viable industry. In real estate, or any financial services industry, new recruits have managers or supervisors that get an override on their business sales for helping to support them. So do most people make it in PHP? Absolutely not, but thats because only about 5-10% make it in any sales-based industry.



Start-Up Costs and Licensing



Theres a cost of $150 to get started with PHP. This fee is used to set-up processing and a start-up kit thats sent out to the new associate. The fees for licenses vary state to state and are not determined by PHP. Financial Services is a highly regulated industry where not just anyone can get a license. The state

and the individual insurance company you work with will determine if they can be in the industry based on their credit and criminal history.



PHP works with large financial institutions.



People Helping People is in business with financial companies like ING, Mutual of Omaha, American General, and many more. These companies reputations are tied to choosing reputable agency partnerships.



Do Your Own Homework.



Last but not least, we are living in a time where anyone who is frustrated can get on the internet and post criticisms, accusations or ridiculous lies about anyone or anything. For instance, if you search Elvis is still alive, there are over 4.7 million sites found. Do you ever shop at Wal-Mart?  What would you say if you read a report where they were a scam or if they had 2 or 3 reports on ripoffreport.com? Would you still shop at Wal-Mart if you saw 922 complaints on ripoffreport.com?  The reality is thats how many complaints they have.  Does that make them a scam? No, it just means they offended some people in some way. How about if someone said that Apple is a fraud or a cult, would you believe it? What if Apple had 420 complaints on ripoffreport? Would you still use your iPod/ipad/iPhone/or your mac computer?  What Ive come to realize is that were living in a world where if you do anything good people tell three people but if you do anything that offends someone they will tell eleven.  Were living in a society where bad news spreads much faster than good news. Thats why most people just eventually give up on their dreams and go back to their jobs. They know it has nothing to do with the opportunity but someone on the internet or at work or even in their families influenced them to give up.   There are competitors who hire staff to sit there and just make fake complaints on the internet about their competitors. 



Our challenge to you is to visit our site and our YouTube channel and see for yourself if our people in the company seem genuine to you or not.  None of which that can confirm this statement. Like any business decision, we recommend that you do your due diligence, research PHP, find out who we are, and see what we stand for. Our website, our blog, our social media sites and YouTube videos are transparent and offer considerable insight.  We invite you to talk to those who have been working with PHP for some time and get their input.
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