National Health Care Discount AKA NHCD is a fraudulent & deceptive work at home ripoff scam company that lies. Sioux City, Iowa *UPDATE ..Michigan Talent Bank makes good!

I don't understand why anyone would pay a finder's fee for a drug card when every pharmaceutical company has patient assistance programs which provide free meds to people who fall below certain economic parameters--and every doctor in America knows about them and can offer to get the paperwork started for patients who need help.

Great choice Cathy! They are charging a security deposit so the company can get "immediate cash" from their reps(see financial disarray post). They can't sell anything worthwhile so they have to make money off hard-working folks like yourself. You'll eventually get your deposit back if you don't abuse the access code but 1)they have no real way to track "phone abuse" and 2)you're paying NHCD, not the access code company for your monthly charge.

Do a search online for work at home moms and you'll find some good message boards where you can continue your search for a good job. They are out there, but NHCD's not one of them.

I have read all the complaint and everything that is suppose to be good about the company. I was looking for some information on the company to see if I wanted to work for them and I got it.
One remark as far as the fee I saw that they said they do not charge a fee and have not in a long time which is untrue I just talked to someone who told me I had to pay $19.95. In my opinion that is a fee right so there is another lie by the company.
Thanks for all the information now I know to stay away.

I have read all the complaint and everything that is suppose to be good about the company. I was looking for some information on the company to see if I wanted to work for them and I got it.
One remark as far as the fee I saw that they said they do not charge a fee and have not in a long time which is untrue I just talked to someone who told me I had to pay $19.95. In my opinion that is a fee right so there is another lie by the company.
Thanks for all the information now I know to stay away.

I have read all the complaint and everything that is suppose to be good about the company. I was looking for some information on the company to see if I wanted to work for them and I got it.
One remark as far as the fee I saw that they said they do not charge a fee and have not in a long time which is untrue I just talked to someone who told me I had to pay $19.95. In my opinion that is a fee right so there is another lie by the company.
Thanks for all the information now I know to stay away.

I have read all the complaint and everything that is suppose to be good about the company. I was looking for some information on the company to see if I wanted to work for them and I got it.
One remark as far as the fee I saw that they said they do not charge a fee and have not in a long time which is untrue I just talked to someone who told me I had to pay $19.95. In my opinion that is a fee right so there is another lie by the company.
Thanks for all the information now I know to stay away.

Mia,

They originally set people up through themselves for the long distance calls using a 10-10 long distance carrier. They then went with two other carriers that were then used as their independ. cont. long distance carrier. They did away with the 10-10 because people were abusing it (using it for their personal calls), but that benefits the new hires because then these new companies that NHCD works with actually are on a 'employees' phone as their long distance carrier and you can take advantage of saving on long distance for personal use.

I am no longer with NHCD, but did enjoy it while I did it. Don't let all these negative people put doubts in your head. If you are enjoying it, keep doing it, the more you do it the better you will become.

As far as what all these people say about free prescription cards maybe true. The MatureRX is the first one that I've seen that actually does save up to 65%, but it is the gentleman stated above, a person has to know about it first, or be able to do a search on the internet to find one. I don't know about you, but I don't know too many seniors that have a computer let alone internet access. I am with him, if they find out about it or can obtain it, then that is wonderful. There are a lot of companies out there that charge for information (Yep - ole Matthew's one of em) that can be obtained for free. I'm not sure but in America I think this is part of the Free Enterprise - other words - how people/companies make a living.

Just like McDonalds, or heck the grocery store - think about it, maybe it'll click all you people out there that want to keep saying NHCD is nothing but a scam, get real and get a life.

Mia, the majority of these people wanted a job where they could make hundreds of dollars and not have to actually work. They should be sending chain letters, that is the kind of work they want - do nothing but 1/2 hour work and make money.

Sincerely,
Tammy
Ranger, GA

Hi I have just joined NHCD within the past two weeks. I have read everything you guys had to say. I hope that its not true because I have already dedicated some of my time to the company. First I would like to say that I did not have to pay anything to be a part of this company. I keep hearing about the 74 dollar fee but i never had to pay a dime. The company seems legit to me I have a cool manager and I get payed 4 dollars a lead which isnt bad considering i do very little. I like it so far hope it stays this way.

I am an Employee with N.H.C.D. I have been since April 2003 .I will be with this company for 2 Years in April 2005.

As with any job it has its ups and downs.The job is only what you make of it .

I am now in sales, as for the company doing what it says they do.When I got into my 5th week of work with NHCD I called my manager and I told her that iam starting my 5th week .She told me to go ahead and fill out the refund request. bang 3or 4 days later I had my deposit back.

I never had to pay it out of pocket .By the time NHCD put it on my CC my statement had closed .

NHCD issued my deposit check before my next payment was due.Now on the issue of gettin promotions well I was promoted right to sales just as promised,but I did have to wait a couple of weeks more then I was suppose to due to the time of Year .

There were no room for New Sales Reps at that time.Starting in June of 2003 that was exactly 3 months .

I did have some personal issues that kept me out of work for 2 weeks so instead of doing Recruiting for 2 Months I did it for 2 1/2.When i did get to Sales the Sales office manager gave me a wonderful manager.

Iam still in sales .Thanks to my Manager, the Sales office Manger and the training that the company gives you. .I was able to quit my out of the home job and stay with NHCD.

So needless to say it is not the company it is the employee.I recentently had two friends join our Company . For the same reasons.

So no one should make a company look bad just because they could make a go of it .I also recived my benifits as promised.

What is that by the way? Are you so afraid to give us a name, well, I know now why you aren't a good salesman. It is hard if you can't remember simple things like what your name is. Next point, you were saying "Like all us NHCD Haters," great!!!!

Group yourselves into an unintelligent huddled mass like that. As for what you did to the woman who was calling you from NHCD, not only is it rude, it is stupid. Guess what,if you let a COMPANY make you miserable, I might suggest counseling. You, I am sure, know how to NOT answer a phone when it rings right?

Now, if you still live in the stone age, and don't have caller ID, might I suggest getting an answering machine. They are pretty cheap right now. If you are having trouble affording one, you might, oh, I don't know, work for one. Since your life is "MISERABLE" and you haven't quit, maybe get with another manager on your team and ask for some help figuring out how to actually do your job.

First of all Tammy, you never worked for the company! You were hired on and quit within 3 days. Who are you to say that this is an illegitimate company? You didn't even try to work. You have absolutely no right to bash a company who gave you an opportunity to earn a living from home. How do I know this? Gee, let me see, oh yeah, I HIRED YOU.

I never gave you any incorrect or false information about the job you were hired for. Not a bit! I certainly can appreciate any concerns the people may have who actually gave it an honest attempt and found that it wasn't for them. But you didn't even try. You definitely have issues yourself. You say that the company is ethically wrong in some way. HELLO! Take a long hard look at yourself. Ms. Twiselton, you have a nice day!

First of all Tammy, you never worked for the company! You were hired on and quit within 3 days. Who are you to say that this is an illegitimate company? You didn't even try to work. You have absolutely no right to bash a company who gave you an opportunity to earn a living from home. How do I know this? Gee, let me see, oh yeah, I HIRED YOU.

I never gave you any incorrect or false information about the job you were hired for. Not a bit! I certainly can appreciate any concerns the people may have who actually gave it an honest attempt and found that it wasn't for them. But you didn't even try. You definitely have issues yourself. You say that the company is ethically wrong in some way. HELLO! Take a long hard look at yourself. Ms. Twiselton, you have a nice day!

This is to everyone who is just starting with NHCD or still works there.
I have noticed alot of responses about NHCD. Everyone is entilted to there own opinions.
I personaly "had" good experiance with NHCD until I pissed off my manager who is now doing everything in her power to make me quit.
She will not give me any numbers to call or my paychecks. And what I did ( So everyone knows it wasn't my fault) Someone called my house from NHCD asking me to work from home ( Which I already did..DER) I told them I did and to take me off the list. Well long story short this woman wouldn't leave me alone, So I asked her what team she was from and her managers name ( so I could tell my manager.) Well I guess that is against NHCD policy because my manager yelled at me. And since NHCD can't fire you the will make your life miserable.

For those of you who keep swearing NHCD is not a Rip off is because you haven't been RIPPED OFF BY THEM YET. But COnsider yourself WARNED.


Also that 74.00 deposit is only refundable after YOU MAKE 500 PRESENTATIONS. NO IF ANDS OR BUTS SO IF YOU GIVE YOUR BILLING INFO AND CHANGE YOUR MIND. THEY WILL NOT GET IT BACK. I have hired over 100 people. And the peole who change their mind put a stop payment on their check or dispute the charge with the credit card company.

And For those out there sticking up for NHCD, Stop Bragging How Great it is Cause one day (probably soon) you will not be working there, and complain about them Like us NHCDHaters are.

Plus the company is very low on Ad calls because nobody wants to pay to work from home anymore.

And those who want to rebuttal and say there are then, Take Off Your Rose Colored Glasses..

I am a Manager on the Gold Team which has the highest averages. So don't try Lying to me Or Better Yet Yourself.

This rebuttal in response to Karly is for those who may be reading this to determine if NHCD is a business for you. I feel that Karly obviously has had a bad experience or something (I'm not going to reread this entire thread to find out why) and I think that her response is typically emotionally charged, which feelings are valid, but as a result, she totally missed the points in my previous post. I quote her post with ***'s:

***Well, that's funny Brad because I worked for Sterling Testing Systems before I had my second child and they use a 10-10 code and you don't pay a DIME to use it. You call people to verify employment, education, etc. You are on the phone for long periods of time, sometimes even overseas and you don't have to pay a deposit to use it. And, yes, you are an independent contractor. Plus, they pay 10 bucks an hour. You don't think that these calls are written off for tax purposes?? It's just another way for NHCD to make MONEY off of people.

Three points on this:

1) Like I said, one business chooses to charge for the 1010 access and REFUND it after you prove yourself, and yours doesn't. Good for your company, but NHCD is not a rip-off because it charges for a REFUNDABLE (and small, I might add) deposit. I knew it upfront and I could have turned them down and that is a business model that's legit. This forum is about rip-offs, not which company is better to work for, which is what seems that Karly's arguments seem to be evolving into. That's not the debate here--which business is better to work forbut this forum is to publicize about bad companies.

2) If you are getting an hourly wage, you are not an independent contractor by IRS rules.

3) _Of course_ NHCD is writing off the calls for taxes. Absolutely no argument there. ALL companies deduct phone charges, so I'm not sure what Karly is accusing them of doing. If they weren't writing off the phone calls I would question their business acumen. I think she is trying to show that NHCD is somehow taking advantage of you, but that is not the case. Every company takes tax write-offs and especially phone bills. That's how they stay in business. Just like I write off my property taxes and other itemized deductions. (HeyI even write off taxes because I *gasp* have children! :) But that doesn't mean I'm ripping anybody off.)

If Karly is trying to show that NHCD is making money off or people by charging them $74, that doesn't pass muster, either. It costs NHCD to set up the 1010 line and it costs them to get phone numbers and it costs them for other things, too. They choose to charge a REFUNDABLE deposit up front when some companies don't. That does not make NHCD a rip-off.

***They pay you like IC's except for Onsite they pay you as employees. You know what you will be paid and when you will get it. Most people can make 10-15 dollars an hour with the companies I've listed and some can make more. Granted if you type slow you'll make a little less. If you don't like phone work then Sterling wouldn't be profitable to you because you are doing reference checks.

Again, hourly wages means you're not an independent contractor. But that's really irrelevant to this argument, anyway. The point is that one of the tests by the IRS to determine if you are an independent contractor is if you put up your own resources and materials to get the job done. This deposit certainly fills the bill. If you are declared an independent contractor and later the IRS says that you aren't, the company not only has a tax liability but the formerly independent contractor who is now an employee owes back taxes.

Karly's company sounds like a good company to work for. The reason why I'm in NHCD is not to make money on lead generation, but to get into the sales division because that's what I like. Sales for me makes even more money than an hourly wage. Karly's is not a sales job as it sounds like it just entails verifying information. For those of you who do not like sales check out her company, it sounds good.

***Like I've told others you show me your pay stubs for a 2 week period with NHCD and I'll show you mine with legit work at home companies that don't charge a start-up "deposit," who don't charge anything at all, have you calling senior citizens for a free plan, hiring anyone and everyone who has NO idea there are REAL WAHM jobs out there, etc. I can guarentee with about 98% accuracy that I generate more income than you working the same if not less hours. If I'm wrong I'll come on here and promote NHCD like a crazy woman.

What's a "real" job for one person is not a "real" job for another. Again, no one ever said that NHCD is for everyone. It's a sales job. And just because it doesn't fit Karly's bill, does not make it a rip-off. There have been enough posters on this thread that can attest that NHCD is a real WAH job for them.

***Brad, the seniors could go to their pharmacy and mention Advanced PCS/Mature RX and find out that it is free. I could understand charging them a ONE TIME 90 some odd dollar fee, but to do it year after year is ridiculous. All NHCD did is obtain some innocent seniors name and call and refer them to a plan, that had they had internet access or knew the name of they could get for free.

We've been over this. Yes, they could find out it's free. Great. Then they can cancel or not renew their membership if they choose. They would be losing their vision coverage that comes with it, though, which may or may not make a difference. I feel in reality, though, they are not going to find out that it's free. Most are not going to find out about how they can get it for free because they lack the skills or desire to look for it. Many of these seniors can't afford internet access because they are trying to pay for their meds and even if they did have the internet, many would not know how to find it. Many wouldn't even conceive of even looking for it in the first place.

Going back to my stock broker analogy, many seniors who are investors know they can sell their stock either with a discount broker or an online broker. Many even know that they could even sell their stock for near free or completely free if they had the company's stock holding company do it. But they choose not to. Why? Because it's too much work for them or they would rather hire someone to do it for them or ???. The point is, they are hiring and paying someone for their services.

***I would feel much better using NHCD's lists to let them know they could get it for FREE and not aiding them in losing 90+ dollars a year, but hey I guess if you like dirty money that's your problem.

I'm almost tempted to call her bluff on this one. I could give her my 300 phone numbers per day and see if she'll call them up on her own time without remuneration to tell them it's free. Would she actually spend 3+ hours of her day every workday to do this without getting paid? No. No one will. And that's the point. IT COSTS TO ADVERTISE AND MARKET. (Which MatureRx and Advantage PCS really doesn't do.)

I'm not tempted, however, because I know that if she really felt strongly about this, she would already be doing this on her own. She would have to do the research, find the right phone numbers that meet the proper demographic criteria and start dialing and doing this for free. That sentence of Karly's alone validates NHCD's existence.

Karly says this is "dirty money." Now let's look at this (again). These folks don't know about this free card and in all reality, will never know about it. If someone is spending $100 a month on meds, they are spending $1200 per year. Let's be conservative and say they only save 30% on their meds. That means they saved $360 - $99 = $261. If they save the typical average which is 50%, they would save $600 - $99 = $501. Either amount, that's a chunk of change for these folks. (And many people spend a lot more than $100 per month!) I'm glad to help them.

Bottom line is this: the "free" card that they do not know about cost them $261 to $501 per year!

There's lots of free stuff out there if you look, especially for "free" government money. But you got to look and know how to get it, etc. There is a famous guy, Matthew Lesko, who makes a living writing books, doing seminars, etc. on this. Check out http://www.governmentgrant.com/. He is really a riot. Now, is he "ripping us off?" He's charging for information that is readily free. All this free money doesn't do me any good if I don't know about it. He's charging through his books (available on Amazon, at Borders, etc.) and services for finding this money and disseminating the information. That's not a rip-off. It's a finders fee. It's tuition.

O.K., I'm done. Too much time on this. I only responded because this email came in and said someone replied. I'm not going spend anymore time on this because I think I've made my points clear enough for those with common sense to sort out. I tried not to attack anyone on a personal level, tried to stick objectively with the facts and I think I did that.

People like Karly will never be swayed and I'm not trying to. She has legitimate feelings and opinions about the matter. However, there were many things that she and others said that has another point of view which weren't being said. These points are directed toward those who are wanting more information.

NHCD is a legit company. It is no different than most other companies. It may not be for you, however, because it is a sales job. On the other hand, it just may be for you, as it is for hundreds of stay-at-home moms and dads. Good salesmen make good money, real good money. Not so good salesmen make not so good money. Best wishes!

Well, that's funny Brad because I worked for Sterling Testing Systems before I had my second child and they use a 10-10 code and you don't pay a DIME to use it. You call people to verify employment, education, etc. You are on the phone for long periods of time, sometimes even overseas and you don't have to pay a deposit to use it. And, yes, you are an independent contractor. Plus, they pay 10 bucks an hour. You don't think that these calls are written off for tax purposes?? It's just another way for NHCD to make MONEY off of people.

I worked with managers who were with NHCD since they started their work at home program. I was with NHCD for a year. When I found out you could get the card for free and I found legit companies that don't ask you for any money for ANYTHING, I left. Not long thereafter, NHCD fired some TOP level managers because they contacted the IRS because NHCD is ripping it's IC's off. So please don't tell me I don't know what is going on. They might be able to pull the wool over your eyes, but I am not going to be fooled or let them fool others.

You can work for companies like Sterling Testing System, Onsite Sourcing, Working Solutions, etc. You don't have to pay to train with them, you don't pay for software, and you don't have to rip off senior citizens. They pay you like IC's except for Onsite they pay you as employees. You know what you will be paid and when you will get it. Most people can make 10-15 dollars an hour with the companies I've listed and some can make more. Granted if you type slow you'll make a little less. If you don't like phone work then Sterling wouldn't be profitable to you because you are doing reference checks.

Like I've told others you show me your pay stubs for a 2 week period with NHCD and I'll show you mine with legit work at home companies that don't charge a start-up "deposit," who don't charge anything at all, have you calling senior citizens for a free plan, hiring anyone and everyone who has NO idea there are REAL WAHM jobs out there, etc. I can guarentee with about 98% accuracy that I generate more income than you working the same if not less hours. If I'm wrong I'll come on here and promote NHCD like a crazy woman.

Brad, the seniors could go to their pharmacy and mention Advanced PCS/Mature RX and find out that it is free. I could understand charging them a ONE TIME 90 some odd dollar fee, but to do it year after year is ridiculous. All NHCD did is obtain some innocent seniors name and call and refer them to a plan, that had they had internet access or knew the name of they could get for free. I would feel much better using NHCD's lists to let them know they could get it for FREE and not aiding them in losing 90+ dollars a year, but hey I guess if you like dirty money that's your problem.

Unbelievable, uninformed, unexperienced...

That's how I would describe most of those who posted complaints about NHCD to this site.

First of all, ALL sales companies have good groups/managers/recruiters/etc. and they have bad groups/managers/recruiters/etc. I've been in sales a lot and have experienced them all. So for some who have had bad experiences with NHCD because of unscrupulous claims and/or people, I believe you. But you know what? That goes on in many companies. Not to justify how you got ripped off, but that's what's true. Fortunately, I'm in a group that's upfront.

Now, to address some points here...

It is not a rip off to charge you a refundable deposit. First of all, it's refundABLE, if you meet the stipulations. The other thing some of you are not considering is that those who make the phone calls are independent contractors. When I was an independent contractor for another company in a different industry, I had to pay for a LOT more than $79.00 in materials and other things to work. One thing was purchasing a truck, another was weekly sales materials, etc., etc. Those of you complaining about $79 to do BUSINESS makes me chuckle. Again, you are an independant contractor, which is different than an employee.

And for that individual who ominously points out that NHCD is under investigation by the Labor Dept., well, I'm not worried. That's normal proceedure. If people are getting paid hourly, then they are not independant contractors and that's what the Labor Dept. wants to find out. It's routine and they "investigate" (if that's the word you want to use) sales companies regularly.

Many complaints revolve around the low pay. Well, frankly, it is low pay. You have to work hard. This is a sales position--maybe you are not good at sales. And that's O.K. But don't call the company a ripoff because you are not good at sales. I worked 12 hours last week and generated 20 leads. Yes, several calls either hung up, said they weren't interested, or didn't answer. Guess what? THAT'S NORMAL! Guess what? THIS IS SALES! It's a numbers game. Maybe you don't know how to play the numbers game.

There is a trade-off for everything. Some of the complaints said that there are "legit" companies to work for doing the same thing only without having to pay a deposit. Well, good and fine. If those companies choose to do that, great. NHCD doesn't do business that way and I have no problem with it. (See above paragraph about independent contractors.) What I got was a supply of phone numbers that I don't have to generate and a vehicle to give me a paycheck. I also get to choose my own hours and I work from home. I don't have to go to a telemarketing room somewhere. I can do as I please. That's the trade-off.

Other complaints like to point out the high turn over of the company. Well, guess what? THIS IS SALES! That's normal. Ask any sales organization. Ask insurance agencies, stock brokerages, car dealers, Cutco Knives...what have you. So how is that a legit argument that NHCD is a ripoff?

Now lastly, to address the point that they can get the MatureRx card for free on their own. That's true. NHCD's clients do not get a MatureRx card, they get an NHCD card which is also affiliated with MatureRx and Advance PCS. And with membership, they also get the Canadian discounts as well. And they also get vision coverage which pays up to 50% on exams, lenses, etc.

Now you say, except for the vision coverage, they can get those things by themselves for free. Yes, but did they get it, yet? And how are they going to find out? I, as Internet-savvy and comsumer savvy as I am have never heard of MatureRx nor Advance PCS before I joined this company. How are those seniors going to find out about it? Yes, maybe magazines geared for that age will have a blurb in it. AARP is certainly not going to tell them about it as they compete with it. Again, how are seniors going to know about it without someone telling them?

O.K., fine, let no one call seniors anymore, have them keep their $99 bucks and they can keep spending all their hundreds of (and rising) dollars on their meds. How lovely.

Some people I talk to spend $250 to $400 PER MONTH on meds. Some are in no mans' land where they do not qualify for Medicaid and they can't afford or do not qualify for insurance. I do not feel that we are ripping them off for something that they can get for free. (And don't forget the vision plan.) They are spending an average of $8.25 per month to save a lot of money that they wouldn't have known about, nor have the means or wherewithal to find out about, either.

Some people in this world need someone to show them how. Some don't. Those who don't will find the card for free. Great! It's like investing. Do you know you really do not need a stock broker? You can do everything that a broker does for a fraction of a cost or nearly free. But you have to spend the time on due diligence (research), placing the trade (hopefully correctly), watching the trade, and coming up with an entry and exit plan, etc. etc. A broker provides services for those who need and want it. And they charge for their services. For those who don't need one, they go to Charles Schwab or eTrade and do it all themselves for a fraction of the cost or nearly free.

In other words, NHCD is providing a service and that's not a ripoff. I am not going to spend hours a week calling to tell people about this for free. I'm providing a service. And NHCD is providing a service to me by supplying me with phone numbers and support.

To the individual that says he started his own company and we should work for him and get a 10% residual: Talk to me in two years. A residual is only as good as the company stays in business. IOW, you are an unproven company, and if someone wants to place their faith in a ground-floor opportunity, power to them. I sincerely wish you success, I really do. If you are still around in two years and doing great, I'd be one of the first to give you a high five and congratulate you! Really! That's what's great about America.

But NHCD is here and is legit and pays and does everything that it said it would do. This is concrete. Your startup business is not, with all due respect.

I call before even got startef to get a refund. Then some lady name S.Edler tells me that I cant get my money back because I did not do the 500 presentations. I cwas told by the recuriting manager that it should not be a problem since I had not offically got started. Now I am waiting on her to call me back telling me whether or not I am getting my money. They are bucnh of liers.

I thank you SO MUCH for giving me the advice to stop payment, I was barely able to do that in time, the bank told me when I called that they were in the processing 'que' or whatever and made the STOP PAYMENT JUST IN TIME. You're exactly right in what you told me that it is like playing the stock market...and to NEVER give your money to someone without researching first!

The $25 fee was worth it in the long run of losing the $74 bucks....I have received several phone calls and feel slighted so won't even bother calling anyone back. I have learned a hard lesson from this, and thank God for others on this board who tell their stories of what they have gone through, it sure saved my butt!



Thanks AGAIN AND AGAIN AND AGAIN!!!

my name is sheryl and i have worked for this company for 6 months,i am a recruiting manager and i do make good money but i also set myself goals and meet those goals i received my 74.00 back on my 5th week no questions asked.i have several recruiters under me who have also recieved there deposits back and love the job some are people i have hired. i have had problems with people i have hired giving me false info i.e. deposit info and than requesting a refund no you will not get your refund if you never paid it and it was never taken from you.people can scam jobs as well as jobs can scam people. every company has complaints against them i.e. wal-mart,k-mart,banks,etc,etc.when we contact a applicant we do not pressure them and continue to call them and stock them we give our contact info and tell them if they are interested in the future give us a call.now when i first started i truely believed my phone was going to dial its self and had doubts but when i recieved my first pay check i realized this is a great job. a real job.not a scam.my suggestion is check us out and consider the fact that these people making these reports are people with excuses even may be legit but all companies have complaints from employees have you ever had a complaint about a place you have worked???

I am a recruiter for NHCD and I find your statement of "NHCD prefers credit card numbers or your checking account numbers. If someone insists on paying with a money order/cashier's check?" hilarious because you obviously don't know what you are talking about. We are actually paid MORE if someone pays by money order or cashiers check because a credit card company charges a processing fee. Ever heard of it? Probably not. Also, I have spoken to 3 people today who I didn't hire for various reasons, but they had payment in hand. Some people are just not cut out to have the discipline to work at home. Sounds like you are one of them.

To Pam~



Yes, stop payment as soon as you can. You are NOT liable to ANYTHING they tell you after you stop it, regardless of what they say to you. BY LAW, a company has to wait 72 HOURS before cashing your check precisely for reasons such as this, inlcuding NHCD.



You will learn 2 lessons by stopping the payment:



1) You have to look at this situation as if you're playing the stock market in a roundabout way, but this is on a teeny tiny scale~ you've invested money into something and you're going to have to take a small loss on what you've invested~ ie, the 74 bucks. At least a small charge is better than losing the entire $74.00.



2)ALWAYS research a company before you hand them your hard earned coin.



If you look at the ratio of the posts here, negative versus positive? All of these complaints are pretty similar, and these people just didn't wake up one day and decided to report NHCD out of the blue~ AND, the majority of posts that are positive are either coming from someone who's not been with the company long, or is a 'manager' in this facade of a company. In comparison to the negative posts, there aren't that many positive if you've read through these threads.



Now, if you find out it's too late to stop payment and they've already cashed your check, go to their website where you request your deposit back and do NOT let up. Call your manager they've set you up with, and calmly explain that you decided you don't want to work for them. They'll ask you why you don't want to work for them, and frankly, it's none of their business, and you don't owe them any explanation whatsoever.



I'd bet my left butt cheek that you didn't know until a 'recruiter' called you, that you had to fork over $74.00 to work for them. They didn't tell you about the IRS looking into their business practices, and they sure as hell didn't tell you that your so called 'interview' wasn't an interview at all~ that you agreeing to give them your bank routing/account numbers, was nothing to them but 10 bucks in their pocket, and they probably hung up from you, jumped up out of their seat, and put their arms in the air humming the Rocky theme song........if you don't have 74 bucks, they don't want you. THIS is why you don't owe them a reason.



Oh, and a little sidenote here:

NHCD prefers credit card numbers or your checking account numbers. If someone insists on paying with a money order/cashier's check? Managers tell you not EVEN to count that as a 'recruit' because, 9 times out of 10, those people say hell with it, or they just used the excuse of sending a money order to get the 'recruiter' off of their a$$~ therefore, they probably won't see it anyway, so don't count it unless it really does show up at their office. A credit card or checking account, to them, is a sure thing, ya see~



Now~ if they try to intimidate you, start quoting them some of your local congressman numbers and websites, letting them know you are totally serious about filing a report on them. (Don't bother with the BBB either. Anyone with a BBB rating? That means the company~ NHCD for one, pays a fee to have that logo on their website, regardless of complaints against them~ and trust me~ NHCD has their share.)



Be prepared also to hear "Well, you should have read the contract thoroughly before you 'digitally' signed it, and asked any questions if there was something you didn't understand. It's all stated in the contract." It's all crap. Remember~ cohersion and intimidation~ guilt you into sticking it out......'We have your 74 bucks~ too bad. Quit~ see if we care~ we'll just go on to the next prey.'



So after you read this, back away from your computer, get your bank on the phone, and follow your gut. It's better to take a small loss than a total one~

I am an employee of NHCD and I have never had any problems with my paycheck or anything that was promised to me by this company. I mainly wish to respond to the "obviously ignorant." I checked out the other companies that you stated in your trite complaint that you claim are ones that you can work for with no fee attached. You might have wished to do your homework, because your precious fast track litigation's, has stated this:



After ten years of cutting edge litigation technology services and exemplary customer service, Fast Track Litigation Support has closed its doors. We thank all of our clients for the exciting and challenging work we did together over the last ten years.



D-M Information Systems, Inc. will be available to assist clients with ongoing or new projects in the areas of



e-discovery

scanning, coding and OCR

deposition summaries

D-M Information Systems, Inc. does not assume any responsibility for prior financial or work commitments but will endeavor to help clients complete their projects.



D-M Information Systems, Inc.

Please contact:

Linda Thorpe, President

D-M Information Systems, Inc.

530-750-7100

800-653-2112

lt@dminfo.com

www.dminfo.com



I FIND THIS HUMOROUS BECAUSE YOU DIDN'T KNOW WHAT YOU WERE TALKING ABOUT WITH NHCD, AND YOU STILL DON'T!

Everybody, I've just signed up under Lisa from VA and I really believe in her and so badly want to believe in the company, and it sounds perfect for her working from home with her small children... but now after reading all of this, I am amazed at what people are going through to make a buck and all the negativity and investigations that are going on!



All I wanted was some extra income and not have to go through telemarketing, hang ups, and hard dishonest sells to do it...and just wanted to make a couple hundred extra bucks a week. SHOULD I PUT A STOP PAYMENT ON MY 74.00 CHECK??? SINCE IT SOUNDS LIKE I'LL NEVER GET TO THE 500 CALLS OR GET REIMBURSED?? HELP

Like I said~ if you're still happy and ecstatic about this company by November, then you're a rarity.



From what I've gathered, on the average, you're in the approximate 5% range of someone who actually stays with the company for any extended period of time~ but then again, you're only a few weeks into it~ so we shall see.........just save every number, every name, ever receipt, every pay stub, every hour you've worked, and file all of these little tidbits in a folder somewhere.



And one more thing.........let us know, yes, if and when you get your deposit back, and if you had a hard time getting it because if you get it without incident, you're again a rarity~ that's one of, if not the biggest gripe most have with this company~ it's how they treat their employees that ruins it all. If you treat your employees with respect, and if you say you're going to do something, and go through with it, you'll get better results than if you treat them like dogs and lie to them~ no one likes that, and productivity goes down the toilet~ you cannot blame one person who's been ripped off by them, for calling NHCD a scam. They're being investigated, hence 'scam'.



At any rate, good luck, and follow your gut~ you're going to have to soon enough.

I totally understand what you are saying but I still am enjoying it. I just got back from vacation and had 2 checks waiting for me and they where more than I thought they would be. They have paid in full for everything up to date. I work on 2-3 hours a day and I have am making enough money for my son to stay in pre-school, which is why I am doing this.



It has met my needs. I don't expect to make tons of money maybe I like it because I don't expecet to become a millionaire. This job suits my needs. I've already started the process of getting my $74.00 and I will post to let you know when I get it back. Again, this isn't for everyone and it depends on what you expect to get out of it.



It is a telemarketing job, it is cold calling. My recruiter was totally honest with me, as I am with the people I recruite. I respect your opinions and I have read each rebuttal, I keep them in the back of my mind, and complaint but for me this is working. Right now this is a way for me to earn some extra income. So far so good. I think it depends on what you expect from this position.



I just disagree with the fact that you claim it is a rip-off or scam. Like I said I don't see it. I am not some young kid either and have been through the other scams. I done Mary Kay where I had to buy $100 start-up kit and didn't even use or need most of the items and had to stock tons of product for the parties.



Alot of people make money from Mary Kay I didn't and it was just not for me. I am not bashing Mary Kay just saying that each persons needs and expectations are different, so far my needs are being met with NHCD. To each their own.

First of all, Tara's post was how the majority of ex employees feel pertaining to NHCD. Yay for her~



Script wise, she's right on it word for word. That whole thing is just a ploy. They make it seem as if they're actually giving you a legitimate telephone job interview, telling you that you are EXACTLY the kind of hard working/pleasant person they want for this position, only to basically say near the end, 'Oh, by the way, do you know of any other suckers we may be able to manipulate into working for us???' And also, notice how they try and get through the whole phone deposit paragraph quickly because 9 times out of 10, the person is like, 'Whoa whoa whoa......can you repeat the part about the telephone access code fee again?'



And to Colleen?



You posted: "I have been with NHCD for 4 weeks now and am enjoying every minute of it.I do not sell anything. Yes, I paid my $74 good faith security deposit and do not regret it at all. I now feel that I am contributing to my household."~~~~~~~~~~~~~~the date on this was 6/27/04............you've been with them for about 5 weeks now~ let's make a bet.



You started with this company approximately 5 weeks ago and you're currently a proud NHCD minion, with all due respect, of course~ I'm willing to chunk off my left butt cheek with a pair of toenail clippers if you're still with this company as of November 27 of this year.



You should be close to your eligibility refund wise, so let's see how hard it is for you to get yours back~ this will be funfunfun! And yes, you 'are' selling something, just not in so many words~ you're totally planting the seed into these people's heads that 'someone will be calling you shortly about our health care discount plans.' If not, why call them in the first place? "Hi~ I don't know you, but I was just curious if you had a health care plan. I don't have any reason to call you, but I was bored, so I'm making a long distance call out of the blue~ so I'll go shave my back now. BYE!!!!' Yeah, ok~ lol...........please don't try and convince those who have already been through this debacle. I hope you're smart enough to keep your receipts and things as I stated above in a former post~ and let's see if the amount of 3 dollar callbacks they pay you for will match up the amount you 'think' you're getting.......if you're still this ecstatic in November, come right back here and post how well this company has paid you, and I'll whip out my clippers and start nipping away at my buttage~



"I work when and if I want to. If I need to make more money I can just work more. How can a company be so bad if we have manager with us for 1-4&5 years. No one would stay that long if the company was so bad."~~~~~~~~~~~~~~~~~~~ahhhhhhhh~ the naivety about business................I really cannot bring myself to explain this one, but let's just say, one reason? They're living off of phone deposits. haha~ but I will give one slight comparison that may make sense to ya~



Let's use McDonalds.........do you know how huge their employee turn out per month is? You can go through (let's say just for fun)10 employees per month in one franchise location, and keep the same manager~ now, in a year, that's 120 employees that were hired and were either fired and/or quit, but you still have the same manager there~ now, if you multiply that by every single McDonalds location in the entire country, you have some major employee recycling going on~ do you think those employees like slinging fries? Who does? Most employees are young, hopeful, ready to work, and when they finally 'get' it, they're outta there and onto bigger and better things.........it's a dime a dozen job~ that's why any ol' job is currently known as a McJob~ managers don't come and go at that rate~ they're usually on salary and not a commission-type pay~ therefore, they know they're getting a certain amount of money, regardless of how much they put into the job~ put this analogy toward NHCD and you'll see what I'm getting at on a small scale.



I hope for your sake this job works out all right for you, Colleen~

I have been working with NHCD for several months, I am currently working and getting paid crap.



This company is interested in scamming innocent people (especially stay at home moms), giving them false hope of making decent money every week.



When I started I was lied to I was told I got paid $ 4 for every lead( I was told a lead was someone you talked to for more that 30 secs) reality is 3.00 per callback.



Well I made enough leads to advance to recruiting, and I have been here since. In order for me to make money I have to call up people who are looking for legit work and haggle them into working with us. Most people are looking for work to make money not pay money to work. I read a script to these individuals trying to convince them that the job is great, and they will make money. In reality I make 15 dollars a week.

The sad thing is that NHCD can't fire you so they just stop giving you numbers all together so you will eventually quit.



I know this because they are doing this to me.



Also here is a copy of there script to make it seem like a "real" interview:



Hello, is _______ available?

My name is _________; I am a Recruiting Associate for NHCD.



You applied for a position with our company and I am currently conducting interviews. Do you have about 10-20 minutes for a telephone interview?



First, I would like to qualify you for this position and get to know you a little bit and then I will tell you about the company, the position, advancement opportunities, and go over any questions you have. Is this ok with you?



Do you have.

Computer?

Internet?

Land Line Home phone?



Great, that is the equipment you will need for this position.



This position is 95% telephone work and 5% data entry are either of these responsibilities a problem for you?



Why do you want to work from home?



What experience do you have/what types of jobs have you done or what are you currently doing?



Are you looking for Full-time or Part-time?

How soon are you looking for employment to begin?



(Use the info they give you to sag-way into the introduction of the company)



How much do you know about NHCD?



NHCD has been in business for over 15yrs

We have been a member of the BBB since 1989, and have an outstanding reputation.



What we are is a pharmacy referral service company. We offer individuals a 30-65% discount of their pharmaceutical needs. In addition to our pharmaceutical program we have a vitamin and dental program that saves an average of 50% off.



We also have Nature's Beauty Bar; which is the newest member of our NHCD family. It offers a savings of up to 50% off salon quality products. You will also be given the information so that may be given a 10% override when they use your rep id with purchases. Your manager will give you more details.



After 30 days of active employment we will provide you with our pharmaceutical, vision, and vitamin program at no cost and this with cover your entire household as well.



Another benefit you have working with our company is that we pay weekly. Checks are mailed out on Friday's and most of our reps receive their checks on Monday or Tuesday. I live in______ and get usually get mine on _______.



When you first start employment with our company we start you out in our Lead Representative position. This is our Entry-Level position where you learn the basic knowledge about our company and build a foundation for advancement.



The Lead Representatives are responsible for taking the list of potential members and surveying them. They are doing a pre-qualification survey to collect information for our sales department. There are no sales involved in this position. You do a presentation/survey with them and ask when is a good time for some one to call back with their price quote.



During the time in the Lead Generation Department you are paid $3 for leads generated 1-19 and after you hit 20 you will be paid $4 for all the leads. Example, 20 leads gets you $80, plus any of the bonuses.



Once you have completed 2-3 weeks of training you have the opportunity for advancement to ..



Recruiting, which is what I do. This position is in charge of interviewing the applicants like what I am doing with you now.



Sales, which is in responsible for doing the price quotes and the sales of our discount programs.



The position can average part-time $150-400 a week. It just depends on your desire and ability.



We also have management that is available if you would be interested.



I do want to let you know that we do realize that you are not in a typical office environment so we will provide you with



A manager that is only a phone call a way!

Teleconference training for each position you hold with the company along with other classes and team meetings!

Training Packets!

A website built specifically for you and your position(s) with our company!

All of your work!

Also we hook-up a direct billing access code to your home phone so that you do not get the long-distance phone bill. You will be speaking to people all over the U.S!



The access code is similar to 1010220 but our company pays to hook the specific code up to your home phone line, so that you do not have the long distance charges.



We are required as the employee to put up a refundable security deposit of $74. The reason we do this is because the company gets you trained and supplies you with all that you need to be successful that includes the access code for your phone calls. They want to make sure that you are truly serious about working.



We do REFUND the deposit after 5 weeks of probation as long as you complete 500 presentations; which is about 2-3 hours of work a week. And you stated you were looking for ____ so that would not be a problem, right? We will provide you with a contract that has this is writing.



Do you have questions for me?



(after they have asked their questions, tell them I have a few more for you if you would not mind)



On a scale from 1-10 what would you rate YOUR customer service?



What would you be a good candidate for us to hire?



Great that is the right answer. (take the info they give you and work it into what we are looking for).



Well as I told you____ I am currently looking to fill this position. I think you are the person we have been looking for. Let's get you started.



And start asking the information to get them hired!!! Yahoo!!! Remember to tell them if they can think of any one who is looking for a position like this one give them your info to call you!!



This is what they give to all of us recruiters.



Also they don't always cover the long distance charges cause I got a bill and so did my manager.





So to everyone out there I have hired I am very Very sorry.

This is just something I ran into that looked ok. I tried a few of the suggestions from above and even applied to a couple...THANKS for that posting. All I can say is my time is very valuable and I am looking to get paid for it and for the work I do.



CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.



Thanks

I have been with NHCD for 4 weeks now and am enjoying every minute of it.I do not sell anything. Yes, I paid my $74 good faith security deposit and do not regret it at all. I now feel that I am contributing to my household.



I get to talk to wonderful people on the telephone while I watch the kids play or fight all in the comfort of my home. I searched and searched for work at home positions and yes most of them are a scam. I personally feel that NHCD is great for the right people.



With any position this job is not for everyone, most people just can do it. We do cold call and yes I get hang ups, yes some days are frustrating, but most of my days have been good. I am not making a ton of money but I am also not working long hours.



I work when and if I want to. If I need to make more money I can just work more. How can a company be so bad if we have manager with us for 1-4&5 years. No one would stay that long if the company was so bad.



Most of us are Stay at home moms looking for some extra money and we are provided we work.

Ok, first, and foremost, KEEP EVERY SINGLE PAY STUB, CONTRACT, EVERYTHING. Keep a receipt from where your account was debited. Write down names, dates, times, everything pertaining to this company. If you've not done so, go to the http://www.workfromhomeparents.com/ website and request your deposit back so there will at least be a record of it. (It should state somewhere, and you should have been told by now, that after the so called 500 contacts have been fulfilled, you can request your deposit back~ YOU have to do it. They will not do this for you.)



You said you were located in Lubbock, Texas. Look up what your state/local 'telephone solicitation' laws are, because depending on your laws, you have 3 days to back out of anything that pertains to a telemarketing call of the sort, and that's what NHCD basically is, although, they do hate it when they're called that......but you posted here on the 11th, so I don't know when you actually gave permission for the above....... and here's also a link for you to the attorney general of your area:



http://www.weblocator.com/attorney/tx/law/c05.html



Here's also the link for the Texas Consumer Protection Laws:



http://www.weblocator.com/attorney/tx/law/c05.html#txc050600



This is posted on the above link concerning telemarketing fraud:



* The telemarketer uses high-pressure tactics



* The offer sounds too good to be true



* The consumer must act "now"--or the offer will no longer be good



* The telemarketer is unwilling to provide references or written material to back up his or her claims



* The telemarketer asks for a credit card or checking account number for any reason other than to make a purchase (i.e. for "verification" purposes, to pay shipping and handling, redemption fees, (which, the so called access code fee would apply under this), gift taxes, etc, on a purportedly "free" gift or prize)



lol Man, sound familiar?????



This company is being investigated for fraud, so my best advice for you at this point? Like I said, keep a record of every single thing pertaining to this company.



Call them every single day, and be prepared:



They're going to give you the whole crap speech about how you should have read the contract first, before you ever agreed to giving your debit, that if you had any questions, you should have asked those questions before giving your debit. You see, whenever someone tries to back out of this after the fact, THAT is the excuse EVERY SINGLE NHCD minion will tell you, and you know why??? Because that's the only excuse they have. "You should have read the contract first, bla bla bla.........." They will NEVER defend it any other way~ that excuse is their only back up.



And also keep in mind, that of course, your 'awesome manager' is going to be nice to you. You're worth 10 bucks to them, and they don't want to lose you. It's similar to a pyramid scheme in a way~ the more people under them, the more they make. Therefore, read over the other postings here concerning NHCD, and within some of those posts is advice of other avenues you can take to get your deposit back.



Just keep on them and on them and don't let up, and like I said~ be aware that they're going to attempt to make YOU look like the bad guy here.



This is a prime example of why, before you commit to something, you have got to do your research~ don't look up websites of theirs or their puppets. Always look at places such as this, and don't depend on the BBB either. Companies such as NHCD pay the BBB to keep that logo on their site, and the BBB doesn't want to lose that income.



You should update here sometime and let people know what they did and if they remedied this situation for you. Enquiring minds want to know~

Hi, my name is Cherish. NHCD has already debited the $74.00 from my debit card and now I feel like things may get harder. I had to save up for the money and I don't know if I could make them understand that my child and I may start to go hungry if I don't get some sort of legit job if anyone has any info anything that could prove NHCD as a legit company I would appreciate it. I have an awesome manager and i don't want to loose this opportunity. If anyone has the website(s) to any other work from home ops please let me know I don't even have a car. Please post the info below.



thank you

I worked for NHCD and was a Manager..I found out via my curious nature that work can be done from home with a pharmacy as does NHCD. I contacted another former NHCD person who was very upset about all the goings on there and we formed a program that costs NOTHING same or better prices that NHCD offers we can get you. We allow people to market on their own..no telemarketing..and they earn a 10 percent residual commission.. Indeed it takes a little more effort..marketing skills..but you are not calling people who dont want you. I have filled 6 prescriptions this week.. We have 10 new people added to our program..It is called Can Amer Prescriptions.

It requires much creativitiy and marketing skills as we do not encourage telemarketing to get the program out.. People I work with use the program and they have referred others..Domino affect results..and we are doing great..



If you are looking for another alternative..fee free..send me an email..



Sincerely joypachowicz@yahoo.com

I worked for NHCD for one day. The one day I worked, I called people all day long. Most people that answered the phone were angry and would hang up as soon as the word NHCD came out of my mouth. After one day I had enough. I was recruited by someone named Lisa, also from NC. She said she lived near Fayettville.



Everything she told me about NHCD sounded wonderful. She said I would get my $74.00 deposit back in five weeks as long as I showed a reasonable amount of effort. I thought about it and decided that wouldn't be hard. I was so eager to work that I knew I would be motivated to do a good job.



Well after I paid my $74.00 I found out it is not refunded after five weeks of reasonable effort, but after five weeks of calling 500 people and staying on the line with them for more than 15 seconds. This may not seem like much but its hard to keep someone on the phone once they hear the name NHCD. My typical call lasted the length of two sentences of my script I was to read. To get credit for the call I was to finish the first paragraph.



I think I probably made it through the first paragraph maybe two times out of seventy calls. The managers try to keep you happy by telling you that you will not get any leads the first few weeks and to consider it practice.



After one day of work, I quit. I can't work for a company that is dishonest. Today, I asked for my refund, which I'm sure I will not get, because I didn't make 500 calls. So, I called my bank and stopped payment on my debit card. NHCD will not get my $74.00.

Hi I have been with the company for a while now. I am actually one of the recruiting managers and let me tell you there is no money to be made. My last check $40. I was lied to when I was recruited. I was told I would be promoted quickly HA!! I've been trying for sales for months now there is always an excuse. Also the deposit it $74. And the discount plan $99. 3 girls on my team have waited weeks and weeks for the checks and nothing. The ad call numbers stay in the system for 16 days now. After 3 days they are rotated to other recruiters these numbers are worthless. This company is a RIP OFF!!! Trust me once you get to maangement you learn all the dirt on the company from the inside!

I worked for NHCD and I generated good leads, I also had to pay 59$ for the 1010 number and I was NEVER reimbursed. Also, I worked for two months and got only one check for $11.00 ..... 11.00!!!!!!! That's sick! And, Lea, maybe it's ok for you to only make 100 a week, but for those of us who need money to pay bills can't afford such cheap pay for such hard work. I worked six and seven hours a day 5 days a week and I had a newborn and stitched in my belly from my C-section through most of it and I worked my butt off for $11.00?!?!? No, they are a scam! Also, I was charged 94$ for they "Free RX cards" and still havent gotten that back either. stay away from them. Take it from me, I'd rather have to go out and work and put my newborn in daycare than work for this joke of a company!

My name is Craig Chambers, and I am employed part-time with NHCD. I began a month ago after my wife became employed. We saw that the company did all they said they would, including refunding the $69 security deposit and sending checks every week. I have received my first two checks (we are paid two weeks in arrears) and have made $287 thus far. My next week's pay will be for over $100 as well. So, this has turned out to be a legitimate paying employment. On the other hand, I have had to work for this money. This last week I was not able to work as much but still put in more than 15 hours, yet I made far less because hardly anyone who was qualified to work (I recruit). Apparently, some weeks are good and some are not, so it averages out.



I cannot address the issue of other recruiters or what they do, but I am completely up-front about NHCD's opportunity to work at home. This job will not replace a full-time position elsewhere until you have worked for a long time as a manager. It is perfect for part-time, but still not lucrative. I do not hire "everyone" I call, or more to the point I will not offer everyone the job because in the interview I believe they would not do well; either they would not really work, or they are not apparently capable of speaking well enough on the phone to make clear presentations. Many people I call are qualified, but are not interested, which is fine. So, I hire about 1 or 2 out of every ten who have applied. I am straightforward about the pay, and this employment truly does help those who are capable of doing the work.



I am loyal to NHCD insofar as they have proven themselves. I appreciate this site, and will check frequently to see if NHCD is doing well. I am sorry to hear about any bad experiences, and do not question the integrity of the one who is complaining; indeed, things may not have been presented well by their recruiter or they may have simply had training that sounded unprofessional. There are times when people say and do what is not appropriate even when working for legitimate companies. I am glad that there has been full payment to the one who complained, which does show the company's integrity.



I am always open to hear of legitimate offers of flexible employment at home because there are many in our area who are in great need of additional income. Thank you!

I'm going to post one more time and say.. I have listed numerous reference to legit jobs and thats all that needs to be said.. I have more than proved that there are LEGIT jobs out there, and that you can make GOOD money with them. I have listed message boards where you can contact others and find out what is true and what is not.



NHCD is under some serious investigation right now, notice the letter you got in your paychecks if you work for them requesting information about your position with NHCD. You received a letter with your paycheck stating that this was only a survey and that you do not have to fill it out. This is not true as NHCD is under investigation from the US Department of Labor, for the fact that NHCD is paying everyone as independent contractors. Should they be? Well that is what the IRS and the US department of Labor, Employment Standards Administration, Wage and Hour Division, is trying to find out.



Read below and you will see who is really the one that is pulling the wool over your eyes and trying to turn everything around positive to keep all of your loyalties.

These seniors can get this same discount card for free on http://www.maturerx.com The same exact card we sell them for $94.00- that is why they changed the lead generation script to referral service, because they seniors are paying 94 dollars a year because NHCD "found" the discount for them and let them know. You are helping to rip seniors off. VERY SAD!!

Lea, if you truly think this is a great opportunity then why are you being so defensive? Why do you keep replying? Your just looking rude and angry. Trust me, we all thought NHCD was the real deal and sometimes it takes longer for people to realize its not...I think you will be on our side soon enough.



As far as the jobs, I know what ones your talking about and they are VERY legit! NHCD is NOT.



And, I dont think Karley was trying to "impress" anyone...rather trying to state that there are legit jobs out there for all of us.

Well Lea aka miss know it all!! Who claims to work 5 hours and make 100-200 dollars. With NHCD I find that hard to believe. That would mean you need to hire 2 people every hour you work, and every day you work. I find that hard to believe since you have to call and try and scam these people out of their 69.00, as well as post your own ads to get people who don't know about NHC and try to hire them. On top of that I'm sure you attend the weekly chats, so please be honest here!!



I have been with the company that lists it charges 175 after 90 days, since Oct, and know for a fact the company has never charged anyone for that fee. If you call and speak with them you would find that out.



Sterling does hire external reference verifies, where you do work from home. I've been with them since Oct and they pay 10.00 an hour. Working solutions hires people to work from home doing data entry, and inbound and outbound call center projects. I've been with them since March. Fast Track hires document coders, and I'd like to add Onsite Sourcing to the list of LEGIT companies. They hire you as an employee.



If you don't believe what I'm saying go to http://www.wahm.com/cgi-bin/Ultimate.cgi Scroll down and read the message boards on these companies. There are numerous people who work there, and will tell you if they are scams. I don't think all of these people are going to lie. Ask about NHCD and see the response you get. LOL!!



By the way did you know NHCD just FIRED 4 of the TOP LEAD MANAGERS. One who has been there for 2 years and the other 3 pretty close to that. Do you know WHY they fired them?? Because they turned NHCD in to the IRS. Why you ask? Because they aren't following the correct policies to pay you as an independent contractor. They should be following the policies to pay employees.



Again, Lea once you have been with NHCD for a good amount of time. Post and let us know your opinion. Who knows, by then NHCD may be shut down by the IRS for the way it is running. Only time will tell!!

And I love working with NHCD. I have been with them for a year now. The people that complain about NCHD are the ones that wanted a get rich quick scam, and that is NOT us. They wanted to get paid to watch TV, again, NOT us. We offer a service to the general public and we allow mothers, fathers, grandparents and college students to work from home while helping these people. I have 4 kids, a husband and lots of animals. That is why I work from home and yes, I had to put alot of effort into it at first. But once I got the hang of working at home, got comfortable with what I was doing, it all fell into place. This discussion boils down to this.



NHCD is not for everyone but it is a wonderful opportunity for the people who want to earn a decent paycheck for actually working 4 or 5 hours a day. And I looked into all the jobs that the whining girl posted, they require fees, NON refundable fees, very LARGE fees. WE ask for a small, refundable security deposit. I think everyone keeps forgetting that its NOT a fee, its a security deposit!!!



The ones that cannot comprehend that simple concept do NOT need to be working with us anyways. But if you actually work, that security deposit is refunded back to you and you continue to get your paychecks weekly. I am sorry that this didnt work out for you Karley, and I hope one of the other jobs you listed, the ones that NON refundable FEES, are working out for you.

I agree with Don.

Can one of you tell us what jobs you are working for that doesn't charge anything?

I am really looking for something legit and this website really helps with finding out who's not legit, but I think we need to also know what companies do work.

Thanks for any information.

I'm still having a hard time understanding what you guys are whining about. Did NHCD reimburse your deposit based on their contract agreement? YES. Did they offer you their prescription & vision benefits, at no cost to yourself, after 30 days of employment? YES. Do you get your pay check every week? YES. WHAT"S THE PROBLEM??? You guys are upset because you weren't making thousands of dollars a week? As I said, no, I'm not making thousands per week, but I do make anywhere between 100.00 - 200.00 per week and I work 5 hours a day 5 days a week.



Karley, in response to the "jobs" you posted. Perhaps you need to go back and RE-READ those jobs. One of them charges you 175.00 after 90 days if you'd like to continue working for them. One is not a work at home opportunity HOWEVER does eventually offer you that option and the third is pretty much a B.S. 'job'. So, if you're trying to impress me you'll have to do better than that.



LAS, NHCD pays me for working, so by you saying the assinine thing that you did "lea is NHCD paying you to type this nonsense" only shows that you OBVIOUSLY misunderstood the position and perhaps you spent too much time posting to message boards instead of working hence your small pay checks... ya think?



Have a great day

I have to agree, NHCD is a total joke and a waste of time... I spent alot of time making calls and I never got anywhere... I would not recommend this job to no one.. With the new donotcall.com, I believe NHCD will go out of business.. Thank god!! I feel sorry for all the people who have bought the product and please, do not get involved with this company!! And Lea, is NHCD paying you to make up the nonsense that you have been writing??? I am sorry, they are not paying that much... Like I said before NHCD is a total joke!!

I wonder if Kim from Gilbert, AZ could share what company she is now working for. For those of us who are looking for legitimate work at home opportunities.

Firstly, I worked for this company for months and really believed in it...as most do when they first start. I had a WONDERFUL leads manager that kept me going. I worked my back end off for them! Blood sweat and tears for sure! It was not worth my time or money invested. I will not to into specifics but what I will say is "stay away".



NO ONE SHOULD EVER HAVE TO PAY MONEY TO WORK!!!!! EVER!



I dont care if they say you will get the deposit back..they shouldnt ask for it in the first place. I have worked for companies that pay your long distance, or give you a code FREE and pay you hourly! Real jobs do exist out there, dont give up on your search for a legit job and please no one fall for this "job". AND, Karley is just trying to warn others of this scam...giving her two cents...another opinion to this whole matter so please dont attack her. I have known Karley for over a year and she's a truly caring person who only wants the best for others...thats why WE both chose to warn others of this "job". Yes, some people can have success in this company...if you dont mind scamming people...thats my two cents...my opinion...but I feel I must share. Thank you.

Firstly, I worked for this company for months and really believed in it...as most do when they first start. I had a WONDERFUL leads manager that kept me going. I worked my back end off for them! Blood sweat and tears for sure! It was not worth my time or money invested. I will not to into specifics but what I will say is "stay away".



NO ONE SHOULD EVER HAVE TO PAY MONEY TO WORK!!!!! EVER!



I dont care if they say you will get the deposit back..they shouldnt ask for it in the first place. I have worked for companies that pay your long distance, or give you a code FREE and pay you hourly! Real jobs do exist out there, dont give up on your search for a legit job and please no one fall for this "job". AND, Karley is just trying to warn others of this scam...giving her two cents...another opinion to this whole matter so please dont attack her. I have known Karley for over a year and she's a truly caring person who only wants the best for others...thats why WE both chose to warn others of this "job". Yes, some people can have success in this company...if you dont mind scamming people...thats my two cents...my opinion...but I feel I must share. Thank you.

Firstly, I worked for this company for months and really believed in it...as most do when they first start. I had a WONDERFUL leads manager that kept me going. I worked my back end off for them! Blood sweat and tears for sure! It was not worth my time or money invested. I will not to into specifics but what I will say is "stay away".



NO ONE SHOULD EVER HAVE TO PAY MONEY TO WORK!!!!! EVER!



I dont care if they say you will get the deposit back..they shouldnt ask for it in the first place. I have worked for companies that pay your long distance, or give you a code FREE and pay you hourly! Real jobs do exist out there, dont give up on your search for a legit job and please no one fall for this "job". AND, Karley is just trying to warn others of this scam...giving her two cents...another opinion to this whole matter so please dont attack her. I have known Karley for over a year and she's a truly caring person who only wants the best for others...thats why WE both chose to warn others of this "job". Yes, some people can have success in this company...if you dont mind scamming people...thats my two cents...my opinion...but I feel I must share. Thank you.

Firstly, I worked for this company for months and really believed in it...as most do when they first start. I had a WONDERFUL leads manager that kept me going. I worked my back end off for them! Blood sweat and tears for sure! It was not worth my time or money invested. I will not to into specifics but what I will say is "stay away".



NO ONE SHOULD EVER HAVE TO PAY MONEY TO WORK!!!!! EVER!



I dont care if they say you will get the deposit back..they shouldnt ask for it in the first place. I have worked for companies that pay your long distance, or give you a code FREE and pay you hourly! Real jobs do exist out there, dont give up on your search for a legit job and please no one fall for this "job". AND, Karley is just trying to warn others of this scam...giving her two cents...another opinion to this whole matter so please dont attack her. I have known Karley for over a year and she's a truly caring person who only wants the best for others...thats why WE both chose to warn others of this "job". Yes, some people can have success in this company...if you dont mind scamming people...thats my two cents...my opinion...but I feel I must share. Thank you.

I have links and phone numbers to call where your grandmother could get the same programs for FREE, with the same discounts!! If you want her to keep spending 94 bucks a year then go for it.



My NHCD lead manager is a top 10 manager and she was wonderful, and still a great friend. My recruiting manager is the head of the recruiting department.



I never said that NO ONE can do this job, I just said only about 5% will move on to stay with the company for any considerable amount of time.



Anyway, NHCD pays a crappy commission, and other jobs that I have listed pay hourly. Look them up they are legit and don't require you to pay anything up front, or spend hours on the phone with NO PAY!! You don't have to attend a TON of meetings, and instead can spend that time earning money. If you are happy with putting a TON of hours in for only 100-200 a week then NHCD is the job for you. If you want to make 500-1000 a month, or more then find a legit job, such as the ones I have listed. If I can save even one person from NHCD then I am happy. I want people to earn enough money to live on and by letting them know that there are legit jobs out there, I am doing just that.



I hope all Americans join the do not call lists as well at www.donotcall.gov so that NHCD won't have the means to repeatedly call these seniors and rip them off.



Keep track of your "teammates" and watch the decline in numbers over the next few months. You will understand exactly what I'm talking about.

Actually, Karley, as I said in my previous post I have been with the company for several months and, as a matter of fact, my grandmother was the very first person that I turned in as a qualified lead. She has been with NHCD since last March and saves an average of 1400.00 a year on her medications. I don't know what you encountered while in leads, but I heard, more times than not, that these people are on S.S and/or medicare.. so if the company (ANY company) can save them even 20% on their medications who are any of you to call them a rip off??



Yes, my first 2 paychecks weren't "livable", but I, myself, have made over 100.00 EVERY week since. Your paycheck is based on what YOU do hence my 'bon-bon' remark. If you'd like an extra 100.- 200. a week than you can easily make that for yourself. Perhaps if more people were blessed with 'my attitude' they too could turn water into wine.



My teammates are also making decent money, so forgive me if I don't see eye to eye with you on your complaining.



My point is this... because YOU didn't succeed that doesn't mean that EVERYONE doesn't succeed. Perhaps your training was poorly done, or maybe your manager wasn't one of the best (or you yourself didn't give your team incentive or "gear" them up to perform to the best of their ability).



I have just one question for ya, Karley. If you're *SO* happy with your new job then WHY are you here bashing NHCD?



Thanks and have a great day!

I was with NHCD for nearly a year, and made it to leads management. My biggest check was about 100 dollars. You can make phone calls after phone calls and still not get anywhere. The lists are recirculated and these poor old people are called repeatedly. In recruiting you'll hire anyone who will pay the deposit and don't say you wouldn't because thats how you get paid. I know I did that part too. Plus, with an attitude like Lea's it proves my point that NHCD WILL HIRE ANYONE to make a quick buck.



The access code has went from free, to 49.00, to 59.00 and now its at 69.00. I now have a LEGIT job doing background checks and I didn't have to pay a thing for my 10 10 code. It is a tax write off for the company.



As a leads manager I can tell you the turn over rate is very high. They hire around 800 a week and only maybe 5-10% of those people will move on with the company and from there only another 5% will stay with the company for any length of time. I too, was blinded by the company and it was because I felt IT was the ONLY legit job so I wanted to believe in the company. However, I have learned that there are legit work at home jobs, where you don't have to pay and you certainly don't have to rip people off.



I have a list of about 100 past employess of NHCD about half of those held a management positions(in both leads and/or recruiting). They all will tell you the same thing I have said about NHCD, so if a company has that many disgrunteled employees that is VERY SAD!! Another half of those left and went to places like sterling testing systems, cypher services, fast track litigation, and working solutions, where you can do data entry, inbound call center work, background verifications, that includes some of the past managers. You don't have to pay for those jobs, and I honestly can show you pay stubs from these jobs where I come close to equaling my husband's income(he is in the military) working 30-35 hours a week, sometimes less depending on the project I'm doing. The jobs pay hourly and not on a crappy commission.



The only good part to the company was the support I received. I know even some of the managers who have been there for 2 years have asked me what I do from home and wanted to leave NHCD because you have to work 60+hours a week to make even a livable income, and thats after 2 years of working to build your team. I did make a few good friends that I will cherish forever, but they know why I left the company, and are in the top 10 managers so are making good money and have no reason to leave yet. However, NHCD is always looking for a way to slowly rip you off and the managers agree, I have been in conference calls with them and heard it all.



To top everything off, you can get the cards they offer for FREE, including the Canadian program. If you enjoy ripping off seniors go for it, but think of how you would feel if someone did that to your grandmother.



Lea, maybe you haven't been with the company long enough to have a clue as to what I'm saying. I was with them for nearly a year, so I think I know what I'm talking about. NHCD will work for some people but its probably around 5% of those the 800 hire each week. Others stay even though their income is small, just because they think there are no other legit jobs out there, but there are. Where you don't have to pay. I stayed for so long because I didn't know about other jobs, and I really wanted NHCD to work for me. I loved my managers and wanted to believe what some of them fed me, but I went on to find better paying jobs, where I wasn't calling people at their homes, or lying to them and hiring them just because I wanted to get paid.



Post again when you have been with NHCD for a considerable amount of time and then let us know how you feel.



Oh yeah, atleast with my LEGIT jobs I can afford my bon-bon's, as well as contribute to the bills, take my family on vacations, and so on. I'm sure you'll be lucky to be able to even afford your bon-bons each week. LOL!!

I was with NHCD for nearly a year, and made it to leads management. My biggest check was about 100 dollars. You can make phone calls after phone calls and still not get anywhere. The lists are recirculated and these poor old people are called repeatedly. In recruiting you'll hire anyone who will pay the deposit and don't say you wouldn't because thats how you get paid. I know I did that part too. Plus, with an attitude like Lea's it proves my point that NHCD WILL HIRE ANYONE to make a quick buck.



The access code has went from free, to 49.00, to 59.00 and now its at 69.00. I now have a LEGIT job doing background checks and I didn't have to pay a thing for my 10 10 code. It is a tax write off for the company.



As a leads manager I can tell you the turn over rate is very high. They hire around 800 a week and only maybe 5-10% of those people will move on with the company and from there only another 5% will stay with the company for any length of time. I too, was blinded by the company and it was because I felt IT was the ONLY legit job so I wanted to believe in the company. However, I have learned that there are legit work at home jobs, where you don't have to pay and you certainly don't have to rip people off.



I have a list of about 100 past employess of NHCD about half of those held a management positions(in both leads and/or recruiting). They all will tell you the same thing I have said about NHCD, so if a company has that many disgrunteled employees that is VERY SAD!! Another half of those left and went to places like sterling testing systems, cypher services, fast track litigation, and working solutions, where you can do data entry, inbound call center work, background verifications, that includes some of the past managers. You don't have to pay for those jobs, and I honestly can show you pay stubs from these jobs where I come close to equaling my husband's income(he is in the military) working 30-35 hours a week, sometimes less depending on the project I'm doing. The jobs pay hourly and not on a crappy commission.



The only good part to the company was the support I received. I know even some of the managers who have been there for 2 years have asked me what I do from home and wanted to leave NHCD because you have to work 60+hours a week to make even a livable income, and thats after 2 years of working to build your team. I did make a few good friends that I will cherish forever, but they know why I left the company, and are in the top 10 managers so are making good money and have no reason to leave yet. However, NHCD is always looking for a way to slowly rip you off and the managers agree, I have been in conference calls with them and heard it all.



To top everything off, you can get the cards they offer for FREE, including the Canadian program. If you enjoy ripping off seniors go for it, but think of how you would feel if someone did that to your grandmother.



Lea, maybe you haven't been with the company long enough to have a clue as to what I'm saying. I was with them for nearly a year, so I think I know what I'm talking about. NHCD will work for some people but its probably around 5% of those the 800 hire each week. Others stay even though their income is small, just because they think there are no other legit jobs out there, but there are. Where you don't have to pay. I stayed for so long because I didn't know about other jobs, and I really wanted NHCD to work for me. I loved my managers and wanted to believe what some of them fed me, but I went on to find better paying jobs, where I wasn't calling people at their homes, or lying to them and hiring them just because I wanted to get paid.



Post again when you have been with NHCD for a considerable amount of time and then let us know how you feel.



Oh yeah, atleast with my LEGIT jobs I can afford my bon-bon's, as well as contribute to the bills, take my family on vacations, and so on. I'm sure you'll be lucky to be able to even afford your bon-bons each week. LOL!!

I was with NHCD for nearly a year, and made it to leads management. My biggest check was about 100 dollars. You can make phone calls after phone calls and still not get anywhere. The lists are recirculated and these poor old people are called repeatedly. In recruiting you'll hire anyone who will pay the deposit and don't say you wouldn't because thats how you get paid. I know I did that part too. Plus, with an attitude like Lea's it proves my point that NHCD WILL HIRE ANYONE to make a quick buck.



The access code has went from free, to 49.00, to 59.00 and now its at 69.00. I now have a LEGIT job doing background checks and I didn't have to pay a thing for my 10 10 code. It is a tax write off for the company.



As a leads manager I can tell you the turn over rate is very high. They hire around 800 a week and only maybe 5-10% of those people will move on with the company and from there only another 5% will stay with the company for any length of time. I too, was blinded by the company and it was because I felt IT was the ONLY legit job so I wanted to believe in the company. However, I have learned that there are legit work at home jobs, where you don't have to pay and you certainly don't have to rip people off.



I have a list of about 100 past employess of NHCD about half of those held a management positions(in both leads and/or recruiting). They all will tell you the same thing I have said about NHCD, so if a company has that many disgrunteled employees that is VERY SAD!! Another half of those left and went to places like sterling testing systems, cypher services, fast track litigation, and working solutions, where you can do data entry, inbound call center work, background verifications, that includes some of the past managers. You don't have to pay for those jobs, and I honestly can show you pay stubs from these jobs where I come close to equaling my husband's income(he is in the military) working 30-35 hours a week, sometimes less depending on the project I'm doing. The jobs pay hourly and not on a crappy commission.



The only good part to the company was the support I received. I know even some of the managers who have been there for 2 years have asked me what I do from home and wanted to leave NHCD because you have to work 60+hours a week to make even a livable income, and thats after 2 years of working to build your team. I did make a few good friends that I will cherish forever, but they know why I left the company, and are in the top 10 managers so are making good money and have no reason to leave yet. However, NHCD is always looking for a way to slowly rip you off and the managers agree, I have been in conference calls with them and heard it all.



To top everything off, you can get the cards they offer for FREE, including the Canadian program. If you enjoy ripping off seniors go for it, but think of how you would feel if someone did that to your grandmother.



Lea, maybe you haven't been with the company long enough to have a clue as to what I'm saying. I was with them for nearly a year, so I think I know what I'm talking about. NHCD will work for some people but its probably around 5% of those the 800 hire each week. Others stay even though their income is small, just because they think there are no other legit jobs out there, but there are. Where you don't have to pay. I stayed for so long because I didn't know about other jobs, and I really wanted NHCD to work for me. I loved my managers and wanted to believe what some of them fed me, but I went on to find better paying jobs, where I wasn't calling people at their homes, or lying to them and hiring them just because I wanted to get paid.



Post again when you have been with NHCD for a considerable amount of time and then let us know how you feel.



Oh yeah, atleast with my LEGIT jobs I can afford my bon-bon's, as well as contribute to the bills, take my family on vacations, and so on. I'm sure you'll be lucky to be able to even afford your bon-bons each week. LOL!!

I was with NHCD for nearly a year, and made it to leads management. My biggest check was about 100 dollars. You can make phone calls after phone calls and still not get anywhere. The lists are recirculated and these poor old people are called repeatedly. In recruiting you'll hire anyone who will pay the deposit and don't say you wouldn't because thats how you get paid. I know I did that part too. Plus, with an attitude like Lea's it proves my point that NHCD WILL HIRE ANYONE to make a quick buck.



The access code has went from free, to 49.00, to 59.00 and now its at 69.00. I now have a LEGIT job doing background checks and I didn't have to pay a thing for my 10 10 code. It is a tax write off for the company.



As a leads manager I can tell you the turn over rate is very high. They hire around 800 a week and only maybe 5-10% of those people will move on with the company and from there only another 5% will stay with the company for any length of time. I too, was blinded by the company and it was because I felt IT was the ONLY legit job so I wanted to believe in the company. However, I have learned that there are legit work at home jobs, where you don't have to pay and you certainly don't have to rip people off.



I have a list of about 100 past employess of NHCD about half of those held a management positions(in both leads and/or recruiting). They all will tell you the same thing I have said about NHCD, so if a company has that many disgrunteled employees that is VERY SAD!! Another half of those left and went to places like sterling testing systems, cypher services, fast track litigation, and working solutions, where you can do data entry, inbound call center work, background verifications, that includes some of the past managers. You don't have to pay for those jobs, and I honestly can show you pay stubs from these jobs where I come close to equaling my husband's income(he is in the military) working 30-35 hours a week, sometimes less depending on the project I'm doing. The jobs pay hourly and not on a crappy commission.



The only good part to the company was the support I received. I know even some of the managers who have been there for 2 years have asked me what I do from home and wanted to leave NHCD because you have to work 60+hours a week to make even a livable income, and thats after 2 years of working to build your team. I did make a few good friends that I will cherish forever, but they know why I left the company, and are in the top 10 managers so are making good money and have no reason to leave yet. However, NHCD is always looking for a way to slowly rip you off and the managers agree, I have been in conference calls with them and heard it all.



To top everything off, you can get the cards they offer for FREE, including the Canadian program. If you enjoy ripping off seniors go for it, but think of how you would feel if someone did that to your grandmother.



Lea, maybe you haven't been with the company long enough to have a clue as to what I'm saying. I was with them for nearly a year, so I think I know what I'm talking about. NHCD will work for some people but its probably around 5% of those the 800 hire each week. Others stay even though their income is small, just because they think there are no other legit jobs out there, but there are. Where you don't have to pay. I stayed for so long because I didn't know about other jobs, and I really wanted NHCD to work for me. I loved my managers and wanted to believe what some of them fed me, but I went on to find better paying jobs, where I wasn't calling people at their homes, or lying to them and hiring them just because I wanted to get paid.



Post again when you have been with NHCD for a considerable amount of time and then let us know how you feel.



Oh yeah, atleast with my LEGIT jobs I can afford my bon-bon's, as well as contribute to the bills, take my family on vacations, and so on. I'm sure you'll be lucky to be able to even afford your bon-bons each week. LOL!!

I have been an employee of NHCD for several months now. I am MOST impressed that the company has fulfilled EVERYTHING they've said they would. My deposit was refunded back to me within 3 weeks of working with them. My perscription and vision cards were delivered to me 30 days after employment (and I have used them several times and saved LOTS of money). So, I'm having a hard time understanding why people are whining about NHCD.



This is REAL job, yes, you actually have to WORK! *shock* I'm assuming that those of you who are complaining about not getting any money ect. thought a work from home job was merely sitting on your sofa eating bon-bons all day while drawing a pay check. SORRY! Based on that theory perhaps your ideal work from home job consists of standing in line at the unemployment office and filling out your "fake" contacts while eating bon-bons. I get my pay check EVERY week and have NEVER had any problem what so ever with the company.



Kim, in reading what you posted about how the company should just GIVE you the access code: I'm thinking your business sense is ummm ZERO. Why would a company ANY COMPANY *GIVE* someone an access code for free long distance. People take advantage of that, charge up the companies long distance bills and eventually run a company into the ground. According to you that's ok because we KNOW you wouldn't dare make personal FREE calls, right?



I have to honestly say that out of 2000+ employees 6 complainers thats an AWESOME ratio!!



As Amanda stated previously Yes, you do need the discipline, devotion and drive to work from home. Any of you who are reading this and would like a REAL work from home job Please contact me at leaNHCD@hotmail.com. Please note this is a REAL job where you actually WORK.



The rest of you who are complaining and eating bon-bons all day, perhaps you should apply at phoneactress.com atleast you could get paid for ohhhhh'n and ahhhhh'n over the bon-bons. *eye roll*



Have a great day!!!

If it was a legitimate company why wouldn't they pay the set up fee for you? NHCD and Primerica are both red flags because often you are not told of the start up fee. This is in violation of most of the job sites (monster, hotjobs, etc) policies.



I have worked for the same company for 3 years and didn't pay anything to get started.

My Name is Amanda and I have been working with the company since October 2002. I have never had a problem with this company. The pay is not the greatest when you first get started but I was told that the Lead Generation department is only temporary like an on the job training and that this position was not going to replace an income. Since then I moved into the recruiting department and was then promoted to management. I am making a decent amount of money considering the fact that I do not need to put my children in day care and pay for all the other expenses that come with working outside of the home. I have never misled anyone into believing that this company would make you rich. If you work it full time you will make alot more than $50 a month. And of course this job is not for everyone. Some people do well and some don't. I am proud of the service I offer to people and I am very excited still to work for NHCD. I received my deposit back with no ifs ands or buts! This company is wonderful and instead of being disgruntled you should just say hey I gave it a shot for a few months, tried it got my deposit back and made a little money in the process. Honestly you lost nothing! Just gained a little expirience in how working from home can be harder than working in an office. It takes alot of self discipline to work from home with all the distractions. And obvioulsly you didn't do very well at it. Lastly about the deposit for the phone access code. I did not want to see a phone bill for all the long distance calls I had to make so this was a blessing to me. Too many people take advantage of the access code and run up huge long distance bills on the companies dime so I completely understand why the company does it this way. Its only good business!

I have been with the company going on two months now. Alot of what you stated proves you are lying or in the very least exagerating. At least to those who know the company well. If your recruiter didnt tell you everything its because either,it wasnt necessary at the time,or, you werent listening,or, you misunderstood. All quite possible. Also if the company was so eager to hire anyone and everyone as you say quote::



".... I was also to pressure people into making a decision on the spot and NOT to take time to think about it, but to do my best to "make that sale" while on the phone."



Then why did that recruiter who hired you give you time to talk to your husband and look up the information? You just caught yourself there. If you did recruiting you would know that if you let people take weeks to decide they just keep putting it off and putting it off. So of course she told you you had to decide soon.



As far as paychecks go if you were missing pay you should have contacted your manager at that time. They are very serious about keeping it correct. I had a lost paycheck for a week and they corrected it immediately!



As for getting your refund back you get it back when you do those contacts in the time frame they tell you to.



This is a real company and a real job. Calling this company a rip off scam is utterly a lie. This opportunity allows me to stay at home with my two year old son and it makes me mad when I see people slamming it. It makes me mad because it unfortunatly makes people think this could be a scam when its not because someone didnt do well in the company and has to throw a fit.

I have been employed with NHCD since Aug 02. I hate to see that someone was not given all the information which made it seem misleading. I have never had a problem with NHCD, I always recieve my paychecks on time and they are correct. I was told that I would be paid on a "per contacted" lead basis. I moved on to recruiting and I take it seriousy, Everyone gets told all the information they need, because I for one do not want someone coming back and saying that I didnt tell them this or that. I am truely sorry that you had a bad experience with the company. I do feel that a few bad experiences dont draw the entire picture of the company. The main thing is that the company provides a great product for the general public. And I am proud to be a part of it.

As of today, June 28th, 2002, I recieved a refund for my $59.00 deposit for the access code that was placed on my phone, in the mail. Perhaps this is due to the fact that when I first stated my case here I e-mailed it to my managers at NHCD and then I began to get paid for the leads I had called on which was due me too. By my calculations, NHCD still owes me $21.00 and then I will have been paid all the money owed to me from my employment with the company. I will keep you posted as to whether they make good on that or not.

As of 6-19-02 a representative from the Michigan Talent Bank, AKA Michigan Works contacted me via e-mail regarding my Rip Off Report Complaint referring to NHCD AKA National Heath Care Discount. The following is the aforementioned e-mail. I am proud to say that they have come through for those of us who have been ripped off by NHCD!



Dear Candi:

As the manager of Michigan Talent Bank Customer Services with the

Michigan Department of Career Development, I want to thank you for bringing attention to the misleading job order placed by Discount Prescriptions. I learned on Monday about your bad experience and we immediately began looking in to the statements made in the job order. We decided to remove all the job orders and accounts maintained by Discount Prescriptions and National Health Care Discount from the Talent Bank because they were not offering employment free of cost. Our web site requires employers to agree that they will not charge a fee for a job.

Your statements, the statements of others found on the Rip-off Report web site, additional job seeker complaints received by our Help E-Mail, and interviews with the company representatives provided ample evidence that they were misleading job seekers about fees.



You said in your Rip-Off Report that someone told you there was nothing we could do about the problem. I am sorry that the person you spoke with at the local office did not let you know that indeed there are things we do to monitor the employers and the job openings. They forwarded your e-mail to us but did not assure you that we would look in to it. We often have over 300 job orders posted each day, so while we do our best, we also rely on job seekers like yourself to report any problems they

encounter with employers found through our site.



In the future, you can contact us directly at the Talent Bank Help Desk by clicking on our e-mail address right on the Talent Bank web site 24/7 or by calling us at 1-888-253-6855, Monday through Friday 8:00AM to 5:00PM. Again, thank you and good luck in your job search.



Barbara Schulz, Manager

Michigan Talent Bank Customer Services

1-888-253-6855

As of 6-19-02 a representative from the Michigan Talent Bank, AKA Michigan Works contacted me via e-mail regarding my Rip Off Report Complaint referring to NHCD AKA National Heath Care Discount. The following is the aforementioned e-mail. I am proud to say that they have come through for those of us who have been ripped off by NHCD!



Dear Candi:

As the manager of Michigan Talent Bank Customer Services with the

Michigan Department of Career Development, I want to thank you for bringing attention to the misleading job order placed by Discount Prescriptions. I learned on Monday about your bad experience and we immediately began looking in to the statements made in the job order. We decided to remove all the job orders and accounts maintained by Discount Prescriptions and National Health Care Discount from the Talent Bank because they were not offering employment free of cost. Our web site requires employers to agree that they will not charge a fee for a job.

Your statements, the statements of others found on the Rip-off Report web site, additional job seeker complaints received by our Help E-Mail, and interviews with the company representatives provided ample evidence that they were misleading job seekers about fees.



You said in your Rip-Off Report that someone told you there was nothing we could do about the problem. I am sorry that the person you spoke with at the local office did not let you know that indeed there are things we do to monitor the employers and the job openings. They forwarded your e-mail to us but did not assure you that we would look in to it. We often have over 300 job orders posted each day, so while we do our best, we also rely on job seekers like yourself to report any problems they

encounter with employers found through our site.



In the future, you can contact us directly at the Talent Bank Help Desk by clicking on our e-mail address right on the Talent Bank web site 24/7 or by calling us at 1-888-253-6855, Monday through Friday 8:00AM to 5:00PM. Again, thank you and good luck in your job search.



Barbara Schulz, Manager

Michigan Talent Bank Customer Services

1-888-253-6855