Primerica And Pete Paule ripoff, dishonest, money hungry, pyramid scheme that uses people, liars, cowards, bullshit artists, spineless, greedy, sad, mindless, manipulative people and person Paule Simi Valley California

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*UPDATE: Primerica recognized by Rip-off Report a business opportunity well worth considering - its not for everyone but many representatives make solid commission incomes. Primerica takes appropriate action against representatives conducting themselves improperly, pledges 100% commitment to customer service.!

To Paul of Brooklyn, NY



Thanks for the response. However, you are still missing the point with regard to ownership. Let me try to make it clearer. Say for example after 5 years you built up 1000 clients and trained and have a team of 100 agents. If for whatever reason you decide to go to another company or become an independent agent for yourself, all the sweat equity, all the building of relationships, all the hard work put forth really are now in PFS hands and in the hands of your upline. Everything you built for your business goes to PFS not you. This not owning your own business. Thanks for disclosing to people that you have to get to a certain level to sell your business, which is really the transferring of your people from one organization to another within PFS. So again PFS really is not buying anything, since they will continue to get income from this entity. More disclosure needs to be made as to the details of selling your business and the likelihood of this occurring and how hard it really is. Also, I'm not letting you off the hook with regard to the SMART? loan. Give us the best interest rate citifinancial would offer. Give us a number, not double talk, is this too hard a request? Let's talk more disclosure Paul. there is this thing called persistency, for those that do not know PFS pays their commission in advance, usually 75%, so for example if an agent writes a 50/month Life Insurance policy, they get the 75% of the 12 month premium (the other 25% would trickle in after 10 months) which would be $450, if they are at a 30% contract level the advance check to them would be $135, and also everybody up the ladder gets their cut. However, if the client changes his mind, is declined, visits this site, the old agent comes back, client finds a better price etc... the result is a charge-back of the $135 and charge-back to all the people up the ladder as well. Now if the agent gets too many of these charge-backs he will have what is called Bad persistency and PFS will likely put the agent on what is called earned. Therefore any future business submitted by the agent will not be advanced, until time that the agent persistency improves above the set limit. So when the agent submits business he gets practically nothing. Just one more thing agents need to be made aware; because while the agent is struggling he is being penalized (kicked while he is down, because it is hard to overcome your chargeback balance while on earned) by PFS, boy that sounds like ownership to me. Other issues with regard to PFS that I witnessed first hand during my tenure at PFS, many people selling the dream and living a nightmare, agents losing their homes, their marriages, their friends and sometimes best friends, their credit and their credibility, car, clothes appearance, all falling apart along with their self-esteem. I wonder if there are statistics kept on file at PFS about that. Will they publish this on their website? Now the PFS apologist will probably argue something like you can't blame that on PFS or I know cases where PFS saved a marriage or these things can happen in any business. I can't speak to other businesses, I can speak about PFS and it is definitely an enabler when it comes to these issues as a great deal of pressure is put on people to go full-time before they're ready at fast start schools, meetings and conventions, PFS people making people feel bad about having Just Over Broke (JOB) s, faking it until you make it. Slaves to their employers. They look down on people who have a job and are doing honorable work, even if they enjoy what they're doing. This is the unrelenting message spewed by PFS minions. But if agents do go full time and have problems PFS could care less. Sorry that was your decision not ours. Nobody put a gun to your head etc... And as far as the responses both Pauls (Paul of Florida) have been getting, its too bad but not surprising that you think that PFS hate-bashing is going on when these people are pouring their heart out in an effort to knock some sense into you and the rest of the PFS apologists. Paul of Brooklyn (BTW I was born in St. Mary's hospital and lived shortly on Dean St. and grew up in Queens) claims that he lost potential recruits due to this site. I say GOD bless them, and GOD bless this site. As one ex-New Yorker to a New Yorker, or as one ex-PFS agent to a PFS agent I'll give it to you straight, you're brainwashed. A funny thing about being brainwashed, you don't realize it while it's happening, so you'll be in total denial when accused. And you're right I do have an agenda (I'm no longer in the industry, Wahoo!), if we can prevent others from falling prey to this company, you can call it an agenda. GOD bless the Stuarts, the Tim's, the Steve's and many others who responded on this site, may they never stop their efforts. I can give you a lot more issues concerning PFS (how much time do you have?) and I've seen and know all the typical replies (been there, done that, got the Tee Shirt) and six years ago I would have probably been in your corner, I thank GOD I'm the wiser. One thing you can't deny that there is a problem given the sheer volume of complaints on this site alone. But to quote the founder of your company Art Williams: All you can do is all you can do; you can't do no more than all you can do. But don't you Pauls worry if the negativity and hate-bashing on this site gets you down, I'm sure there is another Fast Start School (or whatever its called these days) around the corner to fix you right on up. In fact I'm surprised your uplines have not chastised you for visiting this site, remember, you have to Always be positive! Sorry for the chattiness.

When I read the following: "Primerica is full of Lies and deceit and California, I would hate to say is probably one of the worst as far as Primerica goes. I've met many RVP's and up from California...like Sheryl Bartlett, Hector Lamarque, etc. Man, they are full of it.", I said to myself that Steve may be on to something. The following article relates to Primerica in California. The link is:

http://www.bizjournals.com/sanfrancisco/stories/2004/11/01/daily54.html



Here's the article (dated 11/5/04:



"Former Primerica exec convicted of bilking senior

A one-time regional vice president at Primerica Financial Services has pleaded guilty to felony grand theft following a California Department of Insurance investigation.



Herbert Amos Jones of Bethel Island was sentenced to the 44 days he served in county jail and ordered to pay $25,000 in restitution to Primerica, which had already reimbursed victims for their losses.



'This case reflects the growing problem of financial elder abuse," said Insurance Commissioner John Garamendi in a statement released to the media on Friday. "California insurance agents and brokers are put on notice that preying on senior citizens' hard earned - and usually very necessary funds - will not be tolerated.'



Jones was arrested in Florida in September and extradited to California for prosecution by the Contra Costa County District Attorney's Office.



The department's investigation had found that Jones, who surrendered his insurance license when he fled California, convinced a 69-year-old woman and her 38-year-old daughter to invest $25,000 with him. Jones diverted the mother-daughter funds, failed to secure valid proof of the investments, then submitted incomplete, falsified documents to the daughter in an effort to hide the crime, the department said. The investigation also showed that the daughter's U.S Postal Service pension plan was cleaned out, causing her additional tax penalties. Primerica's restitution included reimbursement of those penalties.



The department said it believes there may other victims who had business dealings with Jones."



2004 American City Business Journals Inc.

When I read the following: "Primerica is full of Lies and deceit and California, I would hate to say is probably one of the worst as far as Primerica goes. I've met many RVP's and up from California...like Sheryl Bartlett, Hector Lamarque, etc. Man, they are full of it.", I said to myself that Steve may be on to something. The following article relates to Primerica in California. The link is:

http://www.bizjournals.com/sanfrancisco/stories/2004/11/01/daily54.html



Here's the article (dated 11/5/04:



"Former Primerica exec convicted of bilking senior

A one-time regional vice president at Primerica Financial Services has pleaded guilty to felony grand theft following a California Department of Insurance investigation.



Herbert Amos Jones of Bethel Island was sentenced to the 44 days he served in county jail and ordered to pay $25,000 in restitution to Primerica, which had already reimbursed victims for their losses.



'This case reflects the growing problem of financial elder abuse," said Insurance Commissioner John Garamendi in a statement released to the media on Friday. "California insurance agents and brokers are put on notice that preying on senior citizens' hard earned - and usually very necessary funds - will not be tolerated.'



Jones was arrested in Florida in September and extradited to California for prosecution by the Contra Costa County District Attorney's Office.



The department's investigation had found that Jones, who surrendered his insurance license when he fled California, convinced a 69-year-old woman and her 38-year-old daughter to invest $25,000 with him. Jones diverted the mother-daughter funds, failed to secure valid proof of the investments, then submitted incomplete, falsified documents to the daughter in an effort to hide the crime, the department said. The investigation also showed that the daughter's U.S Postal Service pension plan was cleaned out, causing her additional tax penalties. Primerica's restitution included reimbursement of those penalties.



The department said it believes there may other victims who had business dealings with Jones."



2004 American City Business Journals Inc.

When I read the following: "Primerica is full of Lies and deceit and California, I would hate to say is probably one of the worst as far as Primerica goes. I've met many RVP's and up from California...like Sheryl Bartlett, Hector Lamarque, etc. Man, they are full of it.", I said to myself that Steve may be on to something. The following article relates to Primerica in California. The link is:

http://www.bizjournals.com/sanfrancisco/stories/2004/11/01/daily54.html



Here's the article (dated 11/5/04:



"Former Primerica exec convicted of bilking senior

A one-time regional vice president at Primerica Financial Services has pleaded guilty to felony grand theft following a California Department of Insurance investigation.



Herbert Amos Jones of Bethel Island was sentenced to the 44 days he served in county jail and ordered to pay $25,000 in restitution to Primerica, which had already reimbursed victims for their losses.



'This case reflects the growing problem of financial elder abuse," said Insurance Commissioner John Garamendi in a statement released to the media on Friday. "California insurance agents and brokers are put on notice that preying on senior citizens' hard earned - and usually very necessary funds - will not be tolerated.'



Jones was arrested in Florida in September and extradited to California for prosecution by the Contra Costa County District Attorney's Office.



The department's investigation had found that Jones, who surrendered his insurance license when he fled California, convinced a 69-year-old woman and her 38-year-old daughter to invest $25,000 with him. Jones diverted the mother-daughter funds, failed to secure valid proof of the investments, then submitted incomplete, falsified documents to the daughter in an effort to hide the crime, the department said. The investigation also showed that the daughter's U.S Postal Service pension plan was cleaned out, causing her additional tax penalties. Primerica's restitution included reimbursement of those penalties.



The department said it believes there may other victims who had business dealings with Jones."



2004 American City Business Journals Inc.

When I read the following: "Primerica is full of Lies and deceit and California, I would hate to say is probably one of the worst as far as Primerica goes. I've met many RVP's and up from California...like Sheryl Bartlett, Hector Lamarque, etc. Man, they are full of it.", I said to myself that Steve may be on to something. The following article relates to Primerica in California. The link is:

http://www.bizjournals.com/sanfrancisco/stories/2004/11/01/daily54.html



Here's the article (dated 11/5/04:



"Former Primerica exec convicted of bilking senior

A one-time regional vice president at Primerica Financial Services has pleaded guilty to felony grand theft following a California Department of Insurance investigation.



Herbert Amos Jones of Bethel Island was sentenced to the 44 days he served in county jail and ordered to pay $25,000 in restitution to Primerica, which had already reimbursed victims for their losses.



'This case reflects the growing problem of financial elder abuse," said Insurance Commissioner John Garamendi in a statement released to the media on Friday. "California insurance agents and brokers are put on notice that preying on senior citizens' hard earned - and usually very necessary funds - will not be tolerated.'



Jones was arrested in Florida in September and extradited to California for prosecution by the Contra Costa County District Attorney's Office.



The department's investigation had found that Jones, who surrendered his insurance license when he fled California, convinced a 69-year-old woman and her 38-year-old daughter to invest $25,000 with him. Jones diverted the mother-daughter funds, failed to secure valid proof of the investments, then submitted incomplete, falsified documents to the daughter in an effort to hide the crime, the department said. The investigation also showed that the daughter's U.S Postal Service pension plan was cleaned out, causing her additional tax penalties. Primerica's restitution included reimbursement of those penalties.



The department said it believes there may other victims who had business dealings with Jones."



2004 American City Business Journals Inc.

I was a Rep for nearly two years and left the company while a Regional Leader. The reason the guy didn't cancel your policy right away is because he feared getting charged back. I would notify the State Insurance Dept. and report this guy if I were you.



Primerica is full of Lies and deceit and California, I would hate to say is probably one of the worst as far as Primerica goes. I've met many RVP's and up from California...like Sheryl Bartlett, Hector Lamarque, etc. Man, they are full of it.



Sheryl Bartlett once said in a meeting that we should keep following up with those we know or will come into contact with util they do one of three things, Buy, Join, or Die. That's harassment if you ask me. I could write a book about the deceptive practices that Primerica uses.



To expand on what Fred said about the lines reps use, here's another version:



REP: Hello, John, this is Steve, I represent a Division of Citigroup, (notice Primerica is not mentioned) and we're expenading in the area. Would you be interested in making an extra 12-20k per year if you could do it 8-10 hours per week?



Prospect: Of course I would what is it?



REP: We'll were looking to grow our team in the area and we're looking for motivated individuals to run a location for us, does that interest you?



Prospect: Of course what would I be doing?



Rep: We'll we're holding an informational meeting on Tuesday and Thursday at 7, which would be better for you.



Prospect: Is this Sales?



Rep: Why John do you like sales? (There really is only two answers to this, but Primerica Reps use the same answer in their response)



Prospect: (the prospect will say yes or no.)



Rep: (Either answer will get this response). Great then you'll love our company. (Primerica is strictly sales and recruiting so how can this be the answer to "no I don't like sales".



The rep will continue to use what some in the business refer to as being a porcupine and answering a question with a question, without ever really getting to the real issue. The sole purpose of a Primerica Rep is to say just enough to entice you to want to get you down to the office so that the environment, full of people with lots of hope but no real path, can recruit you. There was an RVP Paul Gulbronson, who haas since left the biz, who mastered cold calling and showed us once how cold call. Some of the things he would say were unethical as all Hell, but he still got away with it. Guess what? The 100's of people he was teaching this to now use it in the same unethical way he did.



There's so much to say, my mind is racing. The comment about Laura being a nympho, so what. So am I. What's that have anything to do with Primerica...nothing. And as far as someone being rude, obnoxious or even moral, Debbie takes the cake. I can't believe the things you said. You sound like a typical Primerica Rep though. Preach one thing and do another, huh? It's ok to admit that you're a looser along your friend and sidekick Pete.



The concept of Buy Term and invest the difference I agree with. Paying mortagage off early is great. BUT, Primerica Reps are some of the most uneducated Basrds on the planet. They would sell Ice to an Eskimo if they thouhgt they could convince him he needed it.



Everyone, and I mean everyone at the level of RVP and up, and many below that, find themselves in a tangled Web of deceit that they know they can't realy control, so instead just keep spinning and spinning. Eventually they catch enough flies (consumers and recruits) to sustain them long enough to make enough money and then get out. That's how it works. While there I learned through investigating the system and the products that Primerica Reps were way out in left field somewhere with there thumb up there a#$.



The only reason Debbie is rebutting what's here is that here little buddy Pete is telling her to do so. They are trying to gang up on someone again, which by the way they are good at. Primerica preys on the weak, uniformed and uneducated. I don't care what any else is led to believe. I've seen it first hand from the SVP in my office to the other RVP's and the other Reps.



Stay away from Primerica. Don't fall into the same trap that many others have.

Stuart, I don't have much time to answer your stuff as I am helping families with their future and teaching new associates how to do that and potentially earn 6 figures. Paul of FL gave you a very lucid retort and what did you do? You attacked him (and me) personally and posted the same garbage you tend to post over and over and over again. Let's look at your words:

* You stated: your shill (shrill?) statements I answer: You keep repeating this. I, and the other Paul, am not paid to shill (pose as consumers to get others to join). We are members of Primerica. We don't hide that. Who are you?



* You stated: before you run off your mouth again I answer: Very nice Stuart. What do you do as one of the most prolific posters here: run off your keyboard again and again??



* You stated: Then what are you Paul? I answer: This was in response to my comment that you don't appear to be a consumer (I believe you are a competing insurance agent). Instead of answering my retort (which you rarely do) you attack me (which you always do). I have always stated that I am a Primerica representative. Who the heck are you?



* You stated: Paul if you don't know how to read a simple report on Ripoff Report, why should we trust anything else you say? Reread the report I had posted. Which part of a quotation don't you understand, DUH? I answer: Well, I will let others judge you for themselves. This is what I read in your previous post: That is why I switched to HBW. Go to www.HBWinc.com and do a comparison. Their compensation and commission rate is much better than PFS. Moreover, HBW agents are non-captive (independent). The focus is truly on helping people out and not on recruiting." To me that strongly implies that Stuart is an agent of HBW. You decide, is Stuart a consumer; or a competitor trying to bash us unfairly??



You stated: Paul, I see you're giving out more lame advice and dribble. I answer: Why is it lame? You state hyperbole without backing it up. But that is your specialty.





You ask Submit hard evidence to Ripoff Report that Primerica has successful frontline agents. Put up or shut up. I answer: You have asked this same question on numerous threads. (I believe you are one of the most prolific posters on these threads.) This is what we call in political circles, a no win question. It cannot be answered because it is a trick question. Allow me to paraphrase it. Submit hard evidence to Ripoff Reports that Corporate America has successful clerks making 100,000 per year. Of course Corporate America doesn't and of course we don't. So we can't answer your trick question. Stuart, you can't choose the newbie's (frontline) and chastised us because new associates don't make 6 figures. That's the same as saying that GM is no good because clerks and first year assembly people don't make 6 figures. But that doesn't stop you from posting this garbage.



I am really tired of your diatribes, your half truths, your name calling, your slander, your outright lies and your continuous posting. And we debunk what you say and you just start new threads to keep the hit count up.



Your comments appear to be from a rival insurance agent. I have complained to Rip Off about you but they don't care about the truth, only activity. They stated I can retort, but when I do, you just start new threads. There is a very negative agenda here that goes well beyond a rip-off. I believe you are from a rival insurance agency. So everyone, keep that in mind. Stuart has posted in many of the threads. He has a virulent agenda against Primerica.



As for the large number of posts, the vast majority are from those who joined and didn't make it. You know, it is interesting that when someone fails a test for premed, or the bar, do you hear them debasing the legal or medial system. No! Why, it is because they failed. Do you have postings because someone was not promoted from clerk to Senior Vice President in 2 months? NO! Why? Because that is ridiculous. So it is also ridiculous to expect anyone to be earning 6 figures in Primerica in a couple of months!! And the vast majority of postings are from people who failed and quit after a short time. What did they expect? To make 6 figures in a few months? Maybe they did. But that is not reality and none of my associates believe that. They believe that if they work hard, they can make it (ummmm isn't that the American dream? work hard and make it????) But not for Stuart!!! In Stuart's world, new people should make a bundle or else it is a scam. Come on, enter the real world!



It seems that many feel that if you don't make that money right away and you fail in Primerica, it is because it is a scam. GET REAL. You were a failure in Primerica, not that Primerica failed you.



Stuart you posted Not a pyramid-scheme Paul? If it walks like a duck and talks like a duck..., well I'm sure you can figure it out Paul. To help you along I'm going to excerpt from Primerica's own website (the link is http://ww3.primerica.com/public/what/opp/track_record.html): I answer: To anyone reading your stuff Stuart, one might think that Primerica's own web site states that it is a pyramid scheme. It does not, but your clever positioning of the pyramid line and the web site implies that. What does the web site actually state? The earnings listed accurately demonstrate the range of earnings achieved by top earners in our sales force of more than 100,000 representatives. Well, well, that must mean we state the truth. It continues so you should not consider these results any guarantee that you will achieve any specific earnings level. Let me see, that must mean we don't guarantee riches beyond belief!! Again, the truth. It further states Your earnings are dependent on your own efforts and abilities. Actual earnings also depend upon the organization size that you build, the number of sales and override commissions you earn and the efforts of your downlines. That must mean that if I build my business, I will have the potential of making good money. Well, that's the same as if I start a store-front business and build it, I will make money. Stuart WHERE'S THE PROBLEM??? The problem is with you.



To continue, you post numbers from our web site. First, they are old (2001) and there are more in those categories. However, I can't give you more updated numbers until Primerica releases them to the public. However, at a corporation with 10,000 employees, are you trying to tell us that the majority make the big bucks?? No, of course not. Only the top people make the big money and the majority of the workers make a little. But you take an ordinary fact and make it a Primerica negative. Please! Your arguments are baseless and misleading.



As to your comment about 59 CitiGroup reports. Hey, someone in a previous thread stated there were thousands of negative web sites for Coca-Cola. Anyone with a gripe can post anything, truthful or not, on web sites. So to everyone, be very careful and include the agenda of those posting.



And to debunk your constant posting about the case in California. You keep refusing to highlight the most important point. I quote from your post he served in county jail and ordered to pay $25,000 in restitution to Primerica, which had already reimbursed victims for their losses. Let's look at that. He had to pay Primerica. Why? Because he was a rouge agent and the exception and not the rule. If we are such a scam outfit, why don't you list 100 or 1,000 cases??? Put up or Shut up (your words)! You can't because there aren't that many! But here is the most important part: which had already reimbursed victims for their losses. Primerica paid people back BEFORE THE JUDGMENT! I want to do business with a company that stands the moral ground and immediately took care of the customers. Not like the scam, corrupt company picture you paint Stuart.



This is my last post as I don't have time to be a shill (which I am not in spite of your person vitriol), but obviously you do have the time (are you paid to do this???? Or are you just so full of hate that you don't care about the harm you are causing???). Or in your own words, you are a SHRILL?



I am sure you will turn around my words as you appear to be a very good word-smith.

Goodbye Stuart. Hope you eventually see the damage you are doing. One day we may meet. I would like to find out what caused such hatred.



I have assembled a list of web sites that I passing out through Primerica as they put together the true story and not people's venom and hatred due to their not making it. We have to put an end to this garbage.

Hello friends! Just thought I would update everyone on the most recent deception and lies. I think it is important we keep the fire burning against Primerica!



I asked my rep, who happened to be Debbie's husband, shortly after this whole thing started to cancel my policy. I just couldn't bare to see Primerica on my bank statement every month, as I am sure you can all understand. He sent me e-mail after e-mail stating he was working on it, he would get it done, and I watched the bank charge my account repeatedly. Yes, I could have done something about it, but I was curious to see how the cards would fall. After two months of, what I can only assume was scratching his a*s, he sent me an e-mail saying I had to write a letter requesting the cancellation of my policy to headquarters myself, he said he could not help me, it was my responsibility. Curious? Why didn't he just say that the first time? I guess you could argue that he didn't know, but I started to think after that last e-mail, he had told me how to cancel a policy while I was in "training!" So, he knew how to do it, what would be the motivation for LYING!? What am I saying, I guess the lying parts makes him a GREAT "UPLINE" and a valuable Primerica associate!



Sad isn't it!?

I couldn't put it any better myself (I'm still

awaiting documentation from Primerica for one, just one successful frontline agent - with all the boasting and bragging the shills say about how great Primerica is, they can't seem to back it up with hard evidence).

A few months back, I posted my experiences at a Primerica paid event. Due to the subject matter in this thread, I want to expand on it a little more.



I attended a regional meeting held at the Los Angeles Convention Center. Our good friends from the Burbank office were there. I don't know if Simi Valley made an appearance. As I stated in my original post, I refused to pay the entrance fee because my friend, who had recently enrolled with Primerica and had invited me there, refused to give me details regarding what Primerica was all about (typical). So my friend ended up paying for me.



After a Primerica shill challenged my statement of how many people were there, I went to the Convention Center website. I discovered some interesting facts. According to the website, the capacity was 1,000 people and, at that time, the fee for renting the room for an entire day was $2,000.00. For the sake of argument, let us say there were 500 people present (It was more than half, but not completely full), and let us say they all paid $20.00 to get in (it was way more than $20.00 ea, but I don't remember the figure to the exact cent). That comes out to $10,000.00. WHERE DID THE OTHER $8,000.00 GO??? (Remember, these are all conservative figures, in reality, it was more than that). There was no food handed out, there were no drinks, and there was no staff hired to help out with seating. There was an old man who can be classified as a featured speaker. He told a boring story of how his family bought a ridiculously expensive horse in Santa Barbara and how the horse taught them a wonderful lesson about life. I hope they didn't give this guy $8,000.00 to speak, he was definitely not worth it.



It's clear to see what is going on here. Primerica is out to exploit everyone in every way possible. Is like going to a car dealer; you get screwed on the price, on the loan, on the trade-in, etc. Primerica not only exploits their customers, but also their agents. They have created a system that is design to create success for a few at the expense of failure for many. People naturally don't like to fail. They find themselves as Primerica agents heading towards failure. But not to worry, Primerica comes to the rescue. They tell people, You know what you need in order to not fail? Motivation! Why don't you pay us and we'll motivate you. They create a demand, and then provide the supply (for a fee of course). Brilliant I say. They provide the speakers, the books, the tapes and in the process manage to keep a cut of the profits for themselves. Isn't it interesting that Primerica feels their agents need these seminars to succeed, yet they keep failing (at a rate of 98%)? This goes to show that the primary reason for these events is to make money, not to teach or motivate. If it was to teach and motivate, then someone would have noticed that it's not working and would have implemented changes and a system that monitor those changes. Of course, if you tell this to Primerica agents, they will argue that the high failure rate is completely the fault of the people. Oh no, there's absolutely nothing wrong with these seminars and with the speakers (just like there's absolutely nothing wrong with the Primerica system: human kind's first ever accomplishment of pure perfection). Don't get me wrong, I believe in personal responsibility as much as the next guy. I believe everyone is ultimately responsible for their own destiny. However, when there's an astronomical failure rate of 98%, and the people failing come from different backgrounds and they include people who have experienced success prior to Primerica and after Primerica, isn't it time to start questioning the system?



Recently, I went to see a real motivational speaker, Rudy Giuliani. The evil corporation that's exploiting me sent me there, along with several other employees, for free!!! At the event, I met other people who had also been sent there for free by their evil corporation that enslaves them in their J.O.B.S.



In addition, I have a couple of questions for Pete. You said Our company is not for everyone, I understand that. OK, you understand that, does the rest of Primerica understand it? Apparently not. If it's not for everyone, then why are they trying to recruit EVERYONE. They call perfect strangers on the phone who have no sales history or sales qualifications to offer them a sales job (if you don't want to accept the FACT that it's a sales job, you're more delusional than I originally thought). They approach perfect strangers on the street trying to reassure them that ANYONE can do this. Further, if I am one of those that Primerica is not for, who gets to determine that, you or me? Based on the postings in this website, Primerica gets to determine if you would be good at sales. Yes, why would anyone know their own abilities better than someone who just met them at a book store or a job fair? Read this website, it's full of testimonies from people who were recruited by a Primerica agent. When they tell the agent this is not for me, thank you, does the recruiter understand this to be so, accepts it, and then hangs up? Nooooooo. They try to persuade them with ANYONE can do this. They pull out their typical example of someone who was working in a circus back in Russia and is now making millions helping people. The logic then becomes, if he can do it, so can you. Never mind that the millions is an exaggerated figures or that for that one example of someone who made it, there is a line around the block of people who didn't (remember, don't blame the system because they didn't make it, the system is flawless). This constant persuasion by agents to try to make it seem as if everyone has the capability to be a Primerica sales agent is a direct contradiction to what Pete is saying he understands. As I said earlier, Primerica agents get to determine who is not right for the job. However, as is evident in this thread, they ALWAYS make this determination AFTER a person has emphatically turned them down. It always goes something like this:



Agent: Join Primerica

Person: What would I be doing?

Agent: Helping People.

Person: How?

Agent: I can't tell you. You would have to come in.

Person: What would be the salary?

Agent: Millions

Person: Millions? But how?

Agent: I can't tell you. You would have to come in.

Person: Is this sales?

Agent: No, we help people.

Person: If it's not sales, then what is it?

Agent: I can't tell you. You would have to come in.

Person: OK, that's it, I'm NOT interested

Agent: Don't you want to help people?

Person: No thank you, I don't do sales. It's not my strength.

Agent: Do you want to be a slave for the rest of your life?

Person: I'm very happy with my job and I don't want to be involved in a scheme.

Agent: We have more millionaires than anyone else.

Person: And they became millionaires doing what?

Agent: I can't tell you. You would have to come in.

Person: OK, thank you for your time, I'm going to hang up now.

Agent: You know what? We have determined you are not right for this job. You're too negative.



It's interesting how Primerica categorizes someone as being a negative person just because they are negative about them. I have very negative views on child abuse and drunk driving. Does that make me a negative person? Only in Primerica would asking questions be seen as negative (and maybe in communist China too). There were $400.00 dollars unaccounted for. It would be stupid and irresponsible NOT to raise questions. If there was a $400.00 discrepancy for two people, it means that for every person present, there was a $200.00 discrepancy. So, according to Pete, there were 600 people there. That means there was a total discrepancy of $120,000.00!! They want us to believe that the pathetic list that Debbie gave us is worth $120,000.00?? Remember folks, it's all about helping people. Let me get this straight, the richest company is the world can't invest $120,000.00 on their employees. To a Primerica agent, averaging $15K a year in salary, $200.00 is quite a lot. To the richest company in the world, $120,000.00 is nothing. I guess they have no faith in their own employees. With a 98% failure rate, I don't blame them.



Speaking of that list, was there anyone out there as amused as I was by one particular item in that list? I'm talking about the awards. Let me get this straight. There are a couple of people who make Primerica even richer by fooling their friends and family into buying their products. So, Primerica, being made richer, decides to reward these people by making the other employees pay for their awards? Are you kidding me? This is the company all these fools proudly defend?



Now for this highly irrelevant example:



Let's analyze that for a second: I was once upset at not losing 20 lbs., is it my Gym's Fault? I remember not doing good at a few of my college classes. Was it my instructor and college's fault? Why, of course it wasn't my fault! or was it? hum!!



It would definitely be the Gym's fault if I did my part and it turned out the gym is only meant to help 2% of its members. If the equipment if faulty, if their exercise class instructors were dragged off the street with 0 experience and had no idea what they were doing, if they said they were one thing and turned out to be something else, it would definitely be the gym's fault. The premise of Pete's example is complete flawed, and therefore so is his conclusion. It assumes that the gym and the college are constants. For the most part, they are. However, Primerica is not. If you do your work in college and at the gym, you will succeed. That has been true for years. Yet, what has been true in Primerica for years is a high rate of failure, despite of what kind of effort you put in. There are factor like market saturation, the up-line sucking your warm market dry, non competitive rates, and others that are highly influential and don't exist in gyms or colleges. Give us all a break Pete. Debbie seeing you as her best role model explains a lot about her.

Debbie, Debbie, Debbie, Debbie.



I quote From your second report:



"The fact that you don't see any personal info on Pete doesn't mean its not there, it is." Where is it Debbie? Certainly not on Ripoff Report.



Another quote from your second report:



"As far as Laura getting justice, what would you have us do, refund money she didn't pay, rehire her? Laura is understandably upset, but there is nothing we can do for her, she never hired in with us, she never paid a dime." Now I quote from your first report:



"...we offered her a breakdown of price...." Why

would you offer Laura a breakdown of price if she

didn't pay a dime? Something smells rotten in

Denmark and I'm not referring to your perfume

Debbie.



So far it's factual as I'm quoting from you Debbie

and you are telling the truth, aren't you? Here's

another quote from your first report:



"But dont worry, we have resolved the issue with her,...." I don't think so Debbie as I still see

Laura posting away disputing a number of "facts"

that you assert.



Debbie, if you think me and Tim are tearing you to

shreds, guess again. You keep putting your foot

inside your mouth. Since we're looking for facts

on this website, why not send Rip-off Report (they will post it for you) your documentation showing that Laura's friend did indeed pay for the bill. We're looking for less voicing of opinion and more facts Debbie.



Oh, one more thing Debbie for the public to know.

Neither me nor Tim sit vigilantly at our computers

waiting for the next complaint. That's because

Ripoff Report electronically arranges it to

automatically notify us whenever somebody puts a

followup report on their website.

All I have to say to Debbie's response, which has quite a guilty, and less brazen tone, is Lies Lies Lies! She sounds a little like someone who knows she said something stupid, behaved badly, don't you think?



But I am sure anyone reading all this can tell when someone is trying to backtrack, take their foot out of their mouth, get out of the hole they dug into, etc, etc!



It's too bad, because upon leaving the trip Debbie expressed that she felt the whole thing was unfair, and told me she would continue to be a friend, that this whole thing would not affect that, which coincidently is the same time (after being asked to leave), I confided in her about my purchase ,girlfriend to girlfriend (which involved nothing more than I said earlier)!



It's sad really, people that can lie to your face, and backstab like that!



Keep your friends close, and your enemy's closer...sound familiar!

This is Laura again. I appreciate everything said by everyone, and I would love to continue discussing the subject! Maybe we can create a big enough stir to bring this giant down! Who knows.



So I am here to answer any questions and fill in any detail, especially to you Stuart, as you have said you are interested in them. Just post your questions, and I will post my answers.



I would love to see and end to Primerica's destructive path!

Tim I am not insinuating anything, I am just giving the facts.



You said if my idea of morality includes this kind of judgment passing, then count you out! EXACTLY my point, that type of behavior is unacceptable and that's why Laura was asked to leave. Pete nor myself ever insinuated Laura to be a failure, quite the contrary, she's very motivated and has a bright future in front of her, I have no doubt she will excel in whatever she chooses to do, that was never the issue.



Stuart my posting did not back fire, in fact it did exactly what I expected, you say going into private details about Laura was uncalled for, it doesn't relate to the money issue, I disagree and here is why, the money issue is not why she was asked to leave, the facts I listed were the reasons she was asked to leave. Let the truth be known. The fact that you don't see any personal info on Pete doesn't mean its not there, it is. Who cares if I made a typographical error? And you are also right that I can not tell you what to do, certainly I am not the boss of you Stuart, you are your own boss, and I sure you are very happy that way. But I do have the right to voice my opinion. As far as Laura getting justice, what would you have us do, refund money she didn't pay, rehire her? Laura is understandably upset, but there is nothing we can do for her, she never hired in with us, she never paid a dime.



Laura you said you paid your way, maybe you did pay for the things you mentioned, but your friend in fact did pay for your ticket there.

You say you or your friend never got the breakdown, maybe you should speak to her again, it was sent to her, maybe she choose to be done with the issue, but she did in fact receive it. And your friend was not transferred to Burbank; she's still in the same place.

You say you did not harass anyone at the retreat, that's not true; the couple sitting at our table from another team was deeply offended by your explicit sex talk on the very first night of the retreat, and complained about it.

No one ever cared about the question of the expenses; it was the timing chosen to do so and the way in which it was delivered. The question itself had no issues behind it and again, I state the breakdown was provided to your friend within days of returning from the retreat.



This website is sad, because you will only hear one side of the story which of course has big parts left out. whenever a rep from Primerica tries to rebutt, it is torn into shreds from people like Stuart and Tim Who sit vigilantly at their computer waiting for the next complaint to stick their noses in, when they don't know the facts in the first place.

Let me start with a short anecdote. A few years back I am shopping for a used car. A salesman convinces me to take a Taurus for a test drive. I turn the key, the car won't start. He tells me they can take care of it, and that my interest in the vehicle should in no way be swayed by this.



Do you think I bought that car? Would any reasonable consumer have purchased that car?



Here is a woman who goes on a retreat, presumably for the benefit of her and the sponsoring company (as they are interested in the new recruit). However, she is keen enough to realize that she is being charged hundreds of dollars over the actual cost of the trip. When she asks why, as any reasonable person would, she is met with hostility and refused an itemization.



My faith in the Taurus was shaken by its failure to start. But I wasn't out anything, in fact I got a good laugh out of the salesman's persitence in trying to sell me that car. Laura (or her friend), however, was out a few hundred bucks and a couple days that she will never get back.



Let's work through this, Debbie. "food, room, lighting, guest speakers, awards, servers, goodie bags, check in staff, event staff, banquet room rentals." The 400$ excess was ABOVE the cost of room and food. I've never been to a hotel where I had to pay a separate charge for check-in, and I would imagine that the cost of servers would figure into the cost of food. That leaves a few items, apparently charged to each attendee at a rate of $200.



So, basically, you expected somebody to pay you $200 for the privelage of being recruited? Are you not making enough money exploiting the people that are already in your company to afford guest speakers and goodie bags? Has Primerica now found a way to exploit people that aren't even in the company yet?



I never cease to be amazed at the ethical deficit of this company.



For all you potential recruits, of virtually any MLM, those "guest speakers" are ususally the only ones who actually struck it rich. They stand up there and tell you how this company changed their lives. What they don't tell you is that they make their money from these speaking engagements, which they record and push off on the minions as "motivational materials" (for about 15$ a CD), and not from the regular operation of the company.



If you perform an in-depth mathematical investigation of the payment structure of pretty much any MLM, you will find that there is NO way to strike it rich as a rep. You need such a huge network below you to strike it rich that all of your levels of downlines consume all the available commissions. So, then, how did those people on stage do it? Let's just say there's a lot of money to be made in the business of false hopes.



As for slander, Laura clearly did not, Pete and Debbie may have. All Laura did was present a complaint, and nobody has challenged the validity of what she said. She called Pete a couple of names, but unless she actually intended for us to believe that Pete is an invertebrate pile of chicken feces, this is not slander (See Hustler Magazine Inc. v. Falwell). Slander is a legal term with a precise definition, and what Laura said is not slander.



Pete, however, intends us to believe that Laura will always be a failure because she chooses to blame others for her problems. Debbie, my god, I don't know what Debbie is insinuating, but if your idea of morality includes this kind of judgment passing, then count me out!

Let me start with a short anecdote. A few years back I am shopping for a used car. A salesman convinces me to take a Taurus for a test drive. I turn the key, the car won't start. He tells me they can take care of it, and that my interest in the vehicle should in no way be swayed by this.



Do you think I bought that car? Would any reasonable consumer have purchased that car?



Here is a woman who goes on a retreat, presumably for the benefit of her and the sponsoring company (as they are interested in the new recruit). However, she is keen enough to realize that she is being charged hundreds of dollars over the actual cost of the trip. When she asks why, as any reasonable person would, she is met with hostility and refused an itemization.



My faith in the Taurus was shaken by its failure to start. But I wasn't out anything, in fact I got a good laugh out of the salesman's persitence in trying to sell me that car. Laura (or her friend), however, was out a few hundred bucks and a couple days that she will never get back.



Let's work through this, Debbie. "food, room, lighting, guest speakers, awards, servers, goodie bags, check in staff, event staff, banquet room rentals." The 400$ excess was ABOVE the cost of room and food. I've never been to a hotel where I had to pay a separate charge for check-in, and I would imagine that the cost of servers would figure into the cost of food. That leaves a few items, apparently charged to each attendee at a rate of $200.



So, basically, you expected somebody to pay you $200 for the privelage of being recruited? Are you not making enough money exploiting the people that are already in your company to afford guest speakers and goodie bags? Has Primerica now found a way to exploit people that aren't even in the company yet?



I never cease to be amazed at the ethical deficit of this company.



For all you potential recruits, of virtually any MLM, those "guest speakers" are ususally the only ones who actually struck it rich. They stand up there and tell you how this company changed their lives. What they don't tell you is that they make their money from these speaking engagements, which they record and push off on the minions as "motivational materials" (for about 15$ a CD), and not from the regular operation of the company.



If you perform an in-depth mathematical investigation of the payment structure of pretty much any MLM, you will find that there is NO way to strike it rich as a rep. You need such a huge network below you to strike it rich that all of your levels of downlines consume all the available commissions. So, then, how did those people on stage do it? Let's just say there's a lot of money to be made in the business of false hopes.



As for slander, Laura clearly did not, Pete and Debbie may have. All Laura did was present a complaint, and nobody has challenged the validity of what she said. She called Pete a couple of names, but unless she actually intended for us to believe that Pete is an invertebrate pile of chicken feces, this is not slander (See Hustler Magazine Inc. v. Falwell). Slander is a legal term with a precise definition, and what Laura said is not slander.



Pete, however, intends us to believe that Laura will always be a failure because she chooses to blame others for her problems. Debbie, my god, I don't know what Debbie is insinuating, but if your idea of morality includes this kind of judgment passing, then count me out!

Let me start with a short anecdote. A few years back I am shopping for a used car. A salesman convinces me to take a Taurus for a test drive. I turn the key, the car won't start. He tells me they can take care of it, and that my interest in the vehicle should in no way be swayed by this.



Do you think I bought that car? Would any reasonable consumer have purchased that car?



Here is a woman who goes on a retreat, presumably for the benefit of her and the sponsoring company (as they are interested in the new recruit). However, she is keen enough to realize that she is being charged hundreds of dollars over the actual cost of the trip. When she asks why, as any reasonable person would, she is met with hostility and refused an itemization.



My faith in the Taurus was shaken by its failure to start. But I wasn't out anything, in fact I got a good laugh out of the salesman's persitence in trying to sell me that car. Laura (or her friend), however, was out a few hundred bucks and a couple days that she will never get back.



Let's work through this, Debbie. "food, room, lighting, guest speakers, awards, servers, goodie bags, check in staff, event staff, banquet room rentals." The 400$ excess was ABOVE the cost of room and food. I've never been to a hotel where I had to pay a separate charge for check-in, and I would imagine that the cost of servers would figure into the cost of food. That leaves a few items, apparently charged to each attendee at a rate of $200.



So, basically, you expected somebody to pay you $200 for the privelage of being recruited? Are you not making enough money exploiting the people that are already in your company to afford guest speakers and goodie bags? Has Primerica now found a way to exploit people that aren't even in the company yet?



I never cease to be amazed at the ethical deficit of this company.



For all you potential recruits, of virtually any MLM, those "guest speakers" are ususally the only ones who actually struck it rich. They stand up there and tell you how this company changed their lives. What they don't tell you is that they make their money from these speaking engagements, which they record and push off on the minions as "motivational materials" (for about 15$ a CD), and not from the regular operation of the company.



If you perform an in-depth mathematical investigation of the payment structure of pretty much any MLM, you will find that there is NO way to strike it rich as a rep. You need such a huge network below you to strike it rich that all of your levels of downlines consume all the available commissions. So, then, how did those people on stage do it? Let's just say there's a lot of money to be made in the business of false hopes.



As for slander, Laura clearly did not, Pete and Debbie may have. All Laura did was present a complaint, and nobody has challenged the validity of what she said. She called Pete a couple of names, but unless she actually intended for us to believe that Pete is an invertebrate pile of chicken feces, this is not slander (See Hustler Magazine Inc. v. Falwell). Slander is a legal term with a precise definition, and what Laura said is not slander.



Pete, however, intends us to believe that Laura will always be a failure because she chooses to blame others for her problems. Debbie, my god, I don't know what Debbie is insinuating, but if your idea of morality includes this kind of judgment passing, then count me out!

Let me start with a short anecdote. A few years back I am shopping for a used car. A salesman convinces me to take a Taurus for a test drive. I turn the key, the car won't start. He tells me they can take care of it, and that my interest in the vehicle should in no way be swayed by this.



Do you think I bought that car? Would any reasonable consumer have purchased that car?



Here is a woman who goes on a retreat, presumably for the benefit of her and the sponsoring company (as they are interested in the new recruit). However, she is keen enough to realize that she is being charged hundreds of dollars over the actual cost of the trip. When she asks why, as any reasonable person would, she is met with hostility and refused an itemization.



My faith in the Taurus was shaken by its failure to start. But I wasn't out anything, in fact I got a good laugh out of the salesman's persitence in trying to sell me that car. Laura (or her friend), however, was out a few hundred bucks and a couple days that she will never get back.



Let's work through this, Debbie. "food, room, lighting, guest speakers, awards, servers, goodie bags, check in staff, event staff, banquet room rentals." The 400$ excess was ABOVE the cost of room and food. I've never been to a hotel where I had to pay a separate charge for check-in, and I would imagine that the cost of servers would figure into the cost of food. That leaves a few items, apparently charged to each attendee at a rate of $200.



So, basically, you expected somebody to pay you $200 for the privelage of being recruited? Are you not making enough money exploiting the people that are already in your company to afford guest speakers and goodie bags? Has Primerica now found a way to exploit people that aren't even in the company yet?



I never cease to be amazed at the ethical deficit of this company.



For all you potential recruits, of virtually any MLM, those "guest speakers" are ususally the only ones who actually struck it rich. They stand up there and tell you how this company changed their lives. What they don't tell you is that they make their money from these speaking engagements, which they record and push off on the minions as "motivational materials" (for about 15$ a CD), and not from the regular operation of the company.



If you perform an in-depth mathematical investigation of the payment structure of pretty much any MLM, you will find that there is NO way to strike it rich as a rep. You need such a huge network below you to strike it rich that all of your levels of downlines consume all the available commissions. So, then, how did those people on stage do it? Let's just say there's a lot of money to be made in the business of false hopes.



As for slander, Laura clearly did not, Pete and Debbie may have. All Laura did was present a complaint, and nobody has challenged the validity of what she said. She called Pete a couple of names, but unless she actually intended for us to believe that Pete is an invertebrate pile of chicken feces, this is not slander (See Hustler Magazine Inc. v. Falwell). Slander is a legal term with a precise definition, and what Laura said is not slander.



Pete, however, intends us to believe that Laura will always be a failure because she chooses to blame others for her problems. Debbie, my god, I don't know what Debbie is insinuating, but if your idea of morality includes this kind of judgment passing, then count me out!

I just wanted to clear up a few things, but quite frankly my life has moved on, so hopefully this is the last I need to say on the subject.



Did I mention the lies in my report...I believe I did, so here it goes....



Lie # 1: My best friend is still with Primerica but was promptly kicked off of Pete Paule's tean after the retreat and transfered to Burbank! She was told no one wanted to work with her after she asked such a negative question! Is wanting to know where your money is going negative?



Lie # 2: I was not the only one intially asked to leave the retreat, my "best friend" was also! And then after asking US to leave, they changed their mind and said we would hold discussions on the issues till after the retreat.



Lie # 3: I did pay for all travel expenses, gas, rental car, food (with the exception of 2 meals provided with only water to drink), entertainment, etc!



Lie # 4: This is a big one...to this day neither my friend or myself ever recieved ANY breakdown of how the trip funds were spent and where the $400.00 discrepancy came from, in fact if my friend had continued to ask, they would have asked her to leave the company as well!



Lie # 5: I am not married, there is no ring on this finger, but I am a nympho, can't lie about that! :)



As far as the purple thing goes, it is an adult toy, used it, loved it, called my boyfriend in the process and he joined in with me and my purple friend on the phone (the trip was a bust, had to salvage it somehow)and the man in my room was the salesman of the purple thing, he came in the room, sold it to me, and left; but hey, think what you will, I HAVE NOTHING TO HIDE AND I AM NOT ASHAMED OF WHO I AM!



Lie # 6: I did not harrass anyone at the retreat, in fact I believe I was the one in tears the entire last night and last day there. Does it suprise you that during that time, you know who did not even have the guts to talk to me, not me!



LAST AND MOST IMPORTANLY, I left the retreat and it members alone after being asked to, I stayed at the hotel, but I did not participate or socialize with the event. I also wrote a very professional letter expressing my feelings and disappointment to Pete Paule, and he did not have the guts to read it, it was thrown away. That letter was my attempt to leave in a respectful, business-like way, and be honest, leave on good terms, and he threw it away! My friend also wrote a letter that was met with the same fear.



Why would people with nothing to hide be so afraid of discussing the truth?



This world is full of dishonest people, and a lot of them can be found right inside Primerica!



Also my website clearly states that Primerica has great products to offer families, just dishonest people to deliver them, and again not all, but some of the people!!



Wolves in sheep's clothing people, BE CAREFUL!



Thanks for reading!

I just wanted to clear up a few things, but quite frankly my life has moved on, so hopefully this is the last I need to say on the subject.



Did I mention the lies in my report...I believe I did, so here it goes....



Lie # 1: My best friend is still with Primerica but was promptly kicked off of Pete Paule's tean after the retreat and transfered to Burbank! She was told no one wanted to work with her after she asked such a negative question! Is wanting to know where your money is going negative?



Lie # 2: I was not the only one intially asked to leave the retreat, my "best friend" was also! And then after asking US to leave, they changed their mind and said we would hold discussions on the issues till after the retreat.



Lie # 3: I did pay for all travel expenses, gas, rental car, food (with the exception of 2 meals provided with only water to drink), entertainment, etc!



Lie # 4: This is a big one...to this day neither my friend or myself ever recieved ANY breakdown of how the trip funds were spent and where the $400.00 discrepancy came from, in fact if my friend had continued to ask, they would have asked her to leave the company as well!



Lie # 5: I am not married, there is no ring on this finger, but I am a nympho, can't lie about that! :)



As far as the purple thing goes, it is an adult toy, used it, loved it, called my boyfriend in the process and he joined in with me and my purple friend on the phone (the trip was a bust, had to salvage it somehow)and the man in my room was the salesman of the purple thing, he came in the room, sold it to me, and left; but hey, think what you will, I HAVE NOTHING TO HIDE AND I AM NOT ASHAMED OF WHO I AM!



Lie # 6: I did not harrass anyone at the retreat, in fact I believe I was the one in tears the entire last night and last day there. Does it suprise you that during that time, you know who did not even have the guts to talk to me, not me!



LAST AND MOST IMPORTANLY, I left the retreat and it members alone after being asked to, I stayed at the hotel, but I did not participate or socialize with the event. I also wrote a very professional letter expressing my feelings and disappointment to Pete Paule, and he did not have the guts to read it, it was thrown away. That letter was my attempt to leave in a respectful, business-like way, and be honest, leave on good terms, and he threw it away! My friend also wrote a letter that was met with the same fear.



Why would people with nothing to hide be so afraid of discussing the truth?



This world is full of dishonest people, and a lot of them can be found right inside Primerica!



Also my website clearly states that Primerica has great products to offer families, just dishonest people to deliver them, and again not all, but some of the people!!



Wolves in sheep's clothing people, BE CAREFUL!



Thanks for reading!

I just wanted to clear up a few things, but quite frankly my life has moved on, so hopefully this is the last I need to say on the subject.



Did I mention the lies in my report...I believe I did, so here it goes....



Lie # 1: My best friend is still with Primerica but was promptly kicked off of Pete Paule's tean after the retreat and transfered to Burbank! She was told no one wanted to work with her after she asked such a negative question! Is wanting to know where your money is going negative?



Lie # 2: I was not the only one intially asked to leave the retreat, my "best friend" was also! And then after asking US to leave, they changed their mind and said we would hold discussions on the issues till after the retreat.



Lie # 3: I did pay for all travel expenses, gas, rental car, food (with the exception of 2 meals provided with only water to drink), entertainment, etc!



Lie # 4: This is a big one...to this day neither my friend or myself ever recieved ANY breakdown of how the trip funds were spent and where the $400.00 discrepancy came from, in fact if my friend had continued to ask, they would have asked her to leave the company as well!



Lie # 5: I am not married, there is no ring on this finger, but I am a nympho, can't lie about that! :)



As far as the purple thing goes, it is an adult toy, used it, loved it, called my boyfriend in the process and he joined in with me and my purple friend on the phone (the trip was a bust, had to salvage it somehow)and the man in my room was the salesman of the purple thing, he came in the room, sold it to me, and left; but hey, think what you will, I HAVE NOTHING TO HIDE AND I AM NOT ASHAMED OF WHO I AM!



Lie # 6: I did not harrass anyone at the retreat, in fact I believe I was the one in tears the entire last night and last day there. Does it suprise you that during that time, you know who did not even have the guts to talk to me, not me!



LAST AND MOST IMPORTANLY, I left the retreat and it members alone after being asked to, I stayed at the hotel, but I did not participate or socialize with the event. I also wrote a very professional letter expressing my feelings and disappointment to Pete Paule, and he did not have the guts to read it, it was thrown away. That letter was my attempt to leave in a respectful, business-like way, and be honest, leave on good terms, and he threw it away! My friend also wrote a letter that was met with the same fear.



Why would people with nothing to hide be so afraid of discussing the truth?



This world is full of dishonest people, and a lot of them can be found right inside Primerica!



Also my website clearly states that Primerica has great products to offer families, just dishonest people to deliver them, and again not all, but some of the people!!



Wolves in sheep's clothing people, BE CAREFUL!



Thanks for reading!

Debbie,



First you nor nobody else from Primerica can tell me what to do. Who in hell do you think you are with your insolent manner? Another Primerica shill.



Your flaming report isn't doing Primerica any good

as you're exposing Primerica for what it really is, an arrogant, rude and crude company that doesn't know how to respond in a responsible manner to a report Debbie. Your disgusting innuendos on Ripoff Report clearly shows your lack of professionalism along with your alley cat ways.



Going into private details about Laura is uncalled

for as it doesn't relate to the discrepancy on the billing. You also can't spell the word nympho.



Since I don't know Laura, Debbie, I can't relate to her personally. What I do relate to is people who are taken advantage of by Primerica, a company I'm very familiar with. A slave company dominated by the fat cats at the top of the pyramid where misrepresentation, deception and lies are rampant throught the company which the fat cats are doing nothing about it so I term Primerica a fraudulent company.



Outside of Pete's name, I don't see any personal info about him which is another mistake you've made, Debbie little girl. Why don't you grow up and get a life of your own instead of being a Primerica shrill, whoops shill. Do something constructive for a change.



One more thing, Debbie dear. It's certainly not your place to tell me who to worry about and not worry about. This website is about exposing corrupt companies such as Primerica to try to get justice and corrective action. Your posting has backfired and just makes me more determined to do just that (at least Pete Paule has showed more class than you with his posting).



I would like to hear more from Laura to get her side of the story.

Debbie,



First you nor nobody else from Primerica can tell me what to do. Who in hell do you think you are with your insolent manner? Another Primerica shill.



Your flaming report isn't doing Primerica any good

as you're exposing Primerica for what it really is, an arrogant, rude and crude company that doesn't know how to respond in a responsible manner to a report Debbie. Your disgusting innuendos on Ripoff Report clearly shows your lack of professionalism along with your alley cat ways.



Going into private details about Laura is uncalled

for as it doesn't relate to the discrepancy on the billing. You also can't spell the word nympho.



Since I don't know Laura, Debbie, I can't relate to her personally. What I do relate to is people who are taken advantage of by Primerica, a company I'm very familiar with. A slave company dominated by the fat cats at the top of the pyramid where misrepresentation, deception and lies are rampant throught the company which the fat cats are doing nothing about it so I term Primerica a fraudulent company.



Outside of Pete's name, I don't see any personal info about him which is another mistake you've made, Debbie little girl. Why don't you grow up and get a life of your own instead of being a Primerica shrill, whoops shill. Do something constructive for a change.



One more thing, Debbie dear. It's certainly not your place to tell me who to worry about and not worry about. This website is about exposing corrupt companies such as Primerica to try to get justice and corrective action. Your posting has backfired and just makes me more determined to do just that (at least Pete Paule has showed more class than you with his posting).



I would like to hear more from Laura to get her side of the story.

Debbie,



First you nor nobody else from Primerica can tell me what to do. Who in hell do you think you are with your insolent manner? Another Primerica shill.



Your flaming report isn't doing Primerica any good

as you're exposing Primerica for what it really is, an arrogant, rude and crude company that doesn't know how to respond in a responsible manner to a report Debbie. Your disgusting innuendos on Ripoff Report clearly shows your lack of professionalism along with your alley cat ways.



Going into private details about Laura is uncalled

for as it doesn't relate to the discrepancy on the billing. You also can't spell the word nympho.



Since I don't know Laura, Debbie, I can't relate to her personally. What I do relate to is people who are taken advantage of by Primerica, a company I'm very familiar with. A slave company dominated by the fat cats at the top of the pyramid where misrepresentation, deception and lies are rampant throught the company which the fat cats are doing nothing about it so I term Primerica a fraudulent company.



Outside of Pete's name, I don't see any personal info about him which is another mistake you've made, Debbie little girl. Why don't you grow up and get a life of your own instead of being a Primerica shrill, whoops shill. Do something constructive for a change.



One more thing, Debbie dear. It's certainly not your place to tell me who to worry about and not worry about. This website is about exposing corrupt companies such as Primerica to try to get justice and corrective action. Your posting has backfired and just makes me more determined to do just that (at least Pete Paule has showed more class than you with his posting).



I would like to hear more from Laura to get her side of the story.

I work with Pete Paule, and have nothing but respect for him, he is the best role model I could ask for, with the utmost of ethics and morals.



Well Stuart, if you knew the facts you would have a little less to say, unless you have nothing better to do. We all tried to keep this private, we offered her a breakdown of price, after the event, she did not want to wait. Laura s_____y harrassed 2 of our representatives at the event, was disruptive at every session,had a man in her room doing who knows what (even though we do know what), but I understand she bought a very personal device from him (a purple one), oh, by the way, Laura is married. But dont worry, we have resolved the issue with her, she is no longer working with us. we only allow reputable people on our team with ethics and morals, maybe thats why you can relate to her so well. Want the break down? here it is, food, room, lighting, guest speakers, awards, servers, goodie bags, check in staff, event staff, banquet room rentals, etc... but she knows all this, and was supplied with it as requested right after the event. Oh, and by the way, her leaving personal info about Pete, very responsible don't you think so Stu-ey boy? How would she like it if I put her personal Name and nimpho (oops!) I meant info on the web? Anyway, have a nice day - get a life of your own, quit worrying about others.

First I quote Laura:



"...I was quickly asked to leave after my friend and I inquired on why there was a 400.00 discrepency between the money we paid and the cost of the rooms and food!"



I see a "we paid" in Laura's report Pete. Here is

an excerpt from your response.



"In fact, her friend paid for HER Retreat." We have another discrepancy here Pete that needs to be cleared up.



Here's another quote from your report Pete:

"Our company is not for everyone." Who is it for Pete? The fat cats at the top of this pyramid for this slave company who are the only ones who do benefit. What's that you say Pete? It's not a

pyramid scheme because you're selling an

overpriced piece of garbage. Can you document

even one frontline slave agent who's making a

decent living from product sale by setting up a

website with documentation with a link to this

website? (so far Primerica hasn't met that

challenge).



Let me excerpt from another part of your report

Pete:



"Let's analyze that for a second: I was once upset at not losing 20 lbs., is it my Gym's Fault? I remember not doing good at a few of my college classes. Was it my instructor and college's fault? Why, of course it wasn't my fault! or was it? hum!!"



In any project Pete it takes two to tangle. It also depends on whether you were taking a course

that you pay for with guaranteed results.



Let's get back to the basic issue Pete. Why is

there a discrepancy between the cost of the food

and rent and the $400 that was paid? (regardless of who paid it). Can you answer it Pete?



Let me quote from your report one more time:



"Don't let any one person stop you from pursuing your dreams."



Pete, unless you were sleeping, you'll see hundreds of original, negative reports filed

against Primerica on Ripoff Report which is part

of the reason why I say fraud is rampant

throughout Primerica. Why would you make Laura

feel that she's solely responsible from stopping

people from joining up with Primerica? Instead of posting onto Ripoff Report which is designed to expose companies, why don't you practice good customer service skills and try to resolve the issue privately with Laura. I'm sure Laura would

followup with a report if you treat her right

(incidentally I believe that Laura gave part of

her story as she sounded very upset from her

posting).

Wow! That was pretty harsh! Slander the company, that's one thing, but Slander the individual, now that's personal. If we were as bad as she says we are, then why is her good friend still on our team. In fact, her friend paid for HER Retreat. In fact, She doesn't even have a solution number with our company. In fact, she never even got licensed with us. In fact, Jim doesn't even know this person! In fact, out of over 600 people at that Retreat, she is the ONLY one we ask to leave.



Our company is not for everyone, I understand that. But does one have to take the time to create an actual website that bashes another human being just because they wanted a expense breakdown of something they didn't pay for anyhow?



Let's analyze that for a second: I was once upset at not losing 20 lbs., is it my Gym's Fault? I remember not doing good at a few of my college classes. Was it my instructor and college's fault? Why, of course it wasn't my fault! or was it? hum!!



Our organization has helped hundreds of families over the years and no matter what, we are going to continue our crusade. Remember, doing what's right will always prevail! Don't let any one person stop you from pursuing your dreams. Because, bottom line, people who create websites, that are intended to slander a company or an individual person, don't fund your retirement, don't feed your kids, and don't pay your bills!



For any questions and all the DETAILS of that retreat, please don't hesitate to contact me [DELETED] via ripoffreport.com



[Place your comments below and be sure to include your FULL contact information so Rip-off Report can contact you.]



(P.S. Notice No Cursing!)

Thanks,