Primerica Got pre-approved for debt consolidation! Need advice FAST! ripoff Englewood Cliffs New Jersey

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

To John of Springfield, MO,



Frankly, I'm not sure why you suggested a course of action that you did in your post of March 17, and exactly what purpose it would accomplish. You stated, "Have you ever called an agent of this company and just asked for their testimony. Nothing more, nothing less. Don't let them sign you for for an interview or an FNA, just let them tell you their story."



My question is, why would I want to do that? As either a potential consumer or business associate, what would such a conversation accomplish? When I search for financial solutions, either as a potential customer or as a "business associate," shouldn't I be more concerned about the professional relationship I would have with the company as it relates to my own sitatution?



Unless I intend to become best friends with my Primerica representative, their "testimony" is essentially worthless to me. What matters is just how closely their "testimony" matches with their services, either as a financial agent or an a potential business opportunity.



I look forward to your response.

To John of Springfield, MO,



Frankly, I'm not sure why you suggested a course of action that you did in your post of March 17, and exactly what purpose it would accomplish. You stated, "Have you ever called an agent of this company and just asked for their testimony. Nothing more, nothing less. Don't let them sign you for for an interview or an FNA, just let them tell you their story."



My question is, why would I want to do that? As either a potential consumer or business associate, what would such a conversation accomplish? When I search for financial solutions, either as a potential customer or as a "business associate," shouldn't I be more concerned about the professional relationship I would have with the company as it relates to my own sitatution?



Unless I intend to become best friends with my Primerica representative, their "testimony" is essentially worthless to me. What matters is just how closely their "testimony" matches with their services, either as a financial agent or an a potential business opportunity.



I look forward to your response.

To John of Springfield, MO,



Frankly, I'm not sure why you suggested a course of action that you did in your post of March 17, and exactly what purpose it would accomplish. You stated, "Have you ever called an agent of this company and just asked for their testimony. Nothing more, nothing less. Don't let them sign you for for an interview or an FNA, just let them tell you their story."



My question is, why would I want to do that? As either a potential consumer or business associate, what would such a conversation accomplish? When I search for financial solutions, either as a potential customer or as a "business associate," shouldn't I be more concerned about the professional relationship I would have with the company as it relates to my own sitatution?



Unless I intend to become best friends with my Primerica representative, their "testimony" is essentially worthless to me. What matters is just how closely their "testimony" matches with their services, either as a financial agent or an a potential business opportunity.



I look forward to your response.

Instead of telling the "victims" or even pre-victims (as such this is the case) to continue sulking and being vengeful against the company, we are giving an alternative perspective. Really you look at all the reports on Citigroup and the complaints against Primerica, but tell me honestly, have you ever called an agent of this company and just asked for their testimony. Nothing more, nothing less. Don't let them sign you up for an interview or an FNA, just let them tell you their story. This company has helped both "customers" and agents in so many ways. People do not need to be scared of a company before they have even seen what this company is. I have discovered that there are more people dissing companies and they have no idea what the company does or sells. I'm not saying you are one of those people but look at some of the positive before you just bring out the negative. How many people had no plan for retirenment before Primerica. How many people where facing unemployment before Primerica. How many people were stuck in dead end lives before Primerica. Find out what Primerica has done good before striking what they do bad. Compare and weigh the thousands of wonderful stories and accounts before you advertise the hundreds of bad. And honestly that is true. There are probably hundreds of bad accounts maybe even thousands. But I'm willing to bet that the number of good far outweighes the number of bad. Consider that before bashing every company you personally have had a problem with. What works for some doesn't work for others, but you spend your time advertising all the bad and someone whom this company could help reads all the bad and never gets a chance to have their lives changed. To me, that is a shame.

Instead of telling the "victims" or even pre-victims (as such this is the case) to continue sulking and being vengeful against the company, we are giving an alternative perspective. Really you look at all the reports on Citigroup and the complaints against Primerica, but tell me honestly, have you ever called an agent of this company and just asked for their testimony. Nothing more, nothing less. Don't let them sign you up for an interview or an FNA, just let them tell you their story. This company has helped both "customers" and agents in so many ways. People do not need to be scared of a company before they have even seen what this company is. I have discovered that there are more people dissing companies and they have no idea what the company does or sells. I'm not saying you are one of those people but look at some of the positive before you just bring out the negative. How many people had no plan for retirenment before Primerica. How many people where facing unemployment before Primerica. How many people were stuck in dead end lives before Primerica. Find out what Primerica has done good before striking what they do bad. Compare and weigh the thousands of wonderful stories and accounts before you advertise the hundreds of bad. And honestly that is true. There are probably hundreds of bad accounts maybe even thousands. But I'm willing to bet that the number of good far outweighes the number of bad. Consider that before bashing every company you personally have had a problem with. What works for some doesn't work for others, but you spend your time advertising all the bad and someone whom this company could help reads all the bad and never gets a chance to have their lives changed. To me, that is a shame.

Instead of telling the "victims" or even pre-victims (as such this is the case) to continue sulking and being vengeful against the company, we are giving an alternative perspective. Really you look at all the reports on Citigroup and the complaints against Primerica, but tell me honestly, have you ever called an agent of this company and just asked for their testimony. Nothing more, nothing less. Don't let them sign you up for an interview or an FNA, just let them tell you their story. This company has helped both "customers" and agents in so many ways. People do not need to be scared of a company before they have even seen what this company is. I have discovered that there are more people dissing companies and they have no idea what the company does or sells. I'm not saying you are one of those people but look at some of the positive before you just bring out the negative. How many people had no plan for retirenment before Primerica. How many people where facing unemployment before Primerica. How many people were stuck in dead end lives before Primerica. Find out what Primerica has done good before striking what they do bad. Compare and weigh the thousands of wonderful stories and accounts before you advertise the hundreds of bad. And honestly that is true. There are probably hundreds of bad accounts maybe even thousands. But I'm willing to bet that the number of good far outweighes the number of bad. Consider that before bashing every company you personally have had a problem with. What works for some doesn't work for others, but you spend your time advertising all the bad and someone whom this company could help reads all the bad and never gets a chance to have their lives changed. To me, that is a shame.

Quoting Ripoff Report's first paragraph from their main page:



"Victim of a consumer Rip-off? Want justice? Rip-off Report is a worldwide consumer reporting Website & Publication, by consumers, for consumers, to file & document complaints about companies or individuals who ripoff consumers." Plain and simple Ed, that's what Ripoff Report is about. If you want to hear good things about Primerica and Citigroup, I'd suggest a Primerica rah-rah meeting if that's your cup of tea. If you want to tout Primerica, you can do so at the same meetings.



Ripoff Report is dedicated to helping the consumer by helping to expose the illegitimate practices of corrupt companies and I'm doing my part to help out people who have been victimized and who are being victimized as well as to help keep others from being victimized.



I quote Ed - Smithtown, New York:



"You blast Citigroup. How many hundreds of thousands of employees do they have. You are sure to have some immoral people. That's what we read in the press." The difference here Ed is I'm sure that the management of Primerica along with Citigroup is corrupt so all you're doing is comparing apples to oranges. My question to you

is what are YOU doing to help the victims of

Primerica because saying that the victims should

register their complaints with Primerica is a

copout.



So Ed - Smithtown, New York, why are you really here?

Cullen, yes I would like to compare products. Unlike Stuart, you present rational issues to discuss.



As to shouting, when one is attacked by someone using the tactics that Stuart does, it becomes an extreme annoyance. I have a right to defend against his spurious arguments and postings. As to name calling, he has directly called me a shill and a clown when I never called him anything. Now he is using the derogatory slither terminology. So I threw it right back at him.



About the business models, which is better? That is a very subjective subject as each model works for some and doesn't work for others. So let us simply agree that I like my model and you like yours.



Thank you for being one of the few rational posters on this site.

Cullen, yes I would like to compare products. Unlike Stuart, you present rational issues to discuss.



As to shouting, when one is attacked by someone using the tactics that Stuart does, it becomes an extreme annoyance. I have a right to defend against his spurious arguments and postings. As to name calling, he has directly called me a shill and a clown when I never called him anything. Now he is using the derogatory slither terminology. So I threw it right back at him.



About the business models, which is better? That is a very subjective subject as each model works for some and doesn't work for others. So let us simply agree that I like my model and you like yours.



Thank you for being one of the few rational posters on this site.

Cullen, yes I would like to compare products. Unlike Stuart, you present rational issues to discuss.



As to shouting, when one is attacked by someone using the tactics that Stuart does, it becomes an extreme annoyance. I have a right to defend against his spurious arguments and postings. As to name calling, he has directly called me a shill and a clown when I never called him anything. Now he is using the derogatory slither terminology. So I threw it right back at him.



About the business models, which is better? That is a very subjective subject as each model works for some and doesn't work for others. So let us simply agree that I like my model and you like yours.



Thank you for being one of the few rational posters on this site.

Cullen, yes I would like to compare products. Unlike Stuart, you present rational issues to discuss.



As to shouting, when one is attacked by someone using the tactics that Stuart does, it becomes an extreme annoyance. I have a right to defend against his spurious arguments and postings. As to name calling, he has directly called me a shill and a clown when I never called him anything. Now he is using the derogatory slither terminology. So I threw it right back at him.



About the business models, which is better? That is a very subjective subject as each model works for some and doesn't work for others. So let us simply agree that I like my model and you like yours.



Thank you for being one of the few rational posters on this site.

I went to a Primerica orientation meeting last night. There were six of us, all looking for a business opportunity. The presentation was informative and candid. Yes the presenter was putting on a show, with a positive spin for Primerica, detailing the vastness of their resources that we can offer to clients upon licensure. But isn't that what you would expect. You have to make it appealing, and sound like it's attainable. The cost to get involved is really minimal. O.K., the sad fact is that the numbers don't lie. The vast majority of Americans are indeed burdened with debt that doesn't ever go away. Let alone being able to retire at an age that you can enjoy life physically and financially. So, what is wrong Stuart with actually helping these people develop a plan that helps them attain their goals that they have made for themselves. You blast Citigroup. How many hundreds of thousands of employees do they have. You are sure to have some immoral people. That's what we read in the press. Not the success stories of well intentioned agents actually helping people achieve what they want. The truth is over 85% of the population is never going to attain the wealth that they CAN. Providing these people with the road map to achieve this is not only rational, it's the right thing to do. The client can always say no, but if you are well informed as an agent, you surely can save them and make them money, and since that is what it's all about, nothing makes more sense than that.

I went to a Primerica orientation meeting last night. There were six of us, all looking for a business opportunity. The presentation was informative and candid. Yes the presenter was putting on a show, with a positive spin for Primerica, detailing the vastness of their resources that we can offer to clients upon licensure. But isn't that what you would expect. You have to make it appealing, and sound like it's attainable. The cost to get involved is really minimal. O.K., the sad fact is that the numbers don't lie. The vast majority of Americans are indeed burdened with debt that doesn't ever go away. Let alone being able to retire at an age that you can enjoy life physically and financially. So, what is wrong Stuart with actually helping these people develop a plan that helps them attain their goals that they have made for themselves. You blast Citigroup. How many hundreds of thousands of employees do they have. You are sure to have some immoral people. That's what we read in the press. Not the success stories of well intentioned agents actually helping people achieve what they want. The truth is over 85% of the population is never going to attain the wealth that they CAN. Providing these people with the road map to achieve this is not only rational, it's the right thing to do. The client can always say no, but if you are well informed as an agent, you surely can save them and make them money, and since that is what it's all about, nothing makes more sense than that.

I went to a Primerica orientation meeting last night. There were six of us, all looking for a business opportunity. The presentation was informative and candid. Yes the presenter was putting on a show, with a positive spin for Primerica, detailing the vastness of their resources that we can offer to clients upon licensure. But isn't that what you would expect. You have to make it appealing, and sound like it's attainable. The cost to get involved is really minimal. O.K., the sad fact is that the numbers don't lie. The vast majority of Americans are indeed burdened with debt that doesn't ever go away. Let alone being able to retire at an age that you can enjoy life physically and financially. So, what is wrong Stuart with actually helping these people develop a plan that helps them attain their goals that they have made for themselves. You blast Citigroup. How many hundreds of thousands of employees do they have. You are sure to have some immoral people. That's what we read in the press. Not the success stories of well intentioned agents actually helping people achieve what they want. The truth is over 85% of the population is never going to attain the wealth that they CAN. Providing these people with the road map to achieve this is not only rational, it's the right thing to do. The client can always say no, but if you are well informed as an agent, you surely can save them and make them money, and since that is what it's all about, nothing makes more sense than that.

I went to a Primerica orientation meeting last night. There were six of us, all looking for a business opportunity. The presentation was informative and candid. Yes the presenter was putting on a show, with a positive spin for Primerica, detailing the vastness of their resources that we can offer to clients upon licensure. But isn't that what you would expect. You have to make it appealing, and sound like it's attainable. The cost to get involved is really minimal. O.K., the sad fact is that the numbers don't lie. The vast majority of Americans are indeed burdened with debt that doesn't ever go away. Let alone being able to retire at an age that you can enjoy life physically and financially. So, what is wrong Stuart with actually helping these people develop a plan that helps them attain their goals that they have made for themselves. You blast Citigroup. How many hundreds of thousands of employees do they have. You are sure to have some immoral people. That's what we read in the press. Not the success stories of well intentioned agents actually helping people achieve what they want. The truth is over 85% of the population is never going to attain the wealth that they CAN. Providing these people with the road map to achieve this is not only rational, it's the right thing to do. The client can always say no, but if you are well informed as an agent, you surely can save them and make them money, and since that is what it's all about, nothing makes more sense than that.

Stuart, I too think there are better ways to plan one's financial future than PFS. And I know there are better business models. There are better ways to get your point across than mud slinging.



Paul, you are just as guilty. You, like many PFS agents are easily goaded into shouting matches.



I believe the PFS strategy is flawed and that there are insurance and mortgage products that are a better value than anything PFS offers. I am willing to make comparisons and post the numbers.



I am willing to compare business models point by point to see which is better.



I have invited Paul and Steve to do this but have not gotten a reply. Maybe another message board would be a better place to do this as most people here are fond of name calling instead of debate.



So to any PFS agent willing to debate, e-mail me and pick a forum of your choice.

Okay before we hate any more than we absolutely have to let me just say that I am a full boat client of Primerica and d**n proud of it.



I understand your fears and hesitiation because honestly who wants to be sold anything! We'd all like to live in a hole and just have wonderful things happen in our whole but the interest rate arguement is the most sensical thing in the world if your willing to sit down and hear it out.



Presently banks have 6 ways of making money on the same interest rate. Throw on top of that fee's and anything else you want and you have more and you'll never run out of money if you are in the business of screwing somebody over.



Let me explain a little more... When i sat down with a representative from the company he pointed out a few things about my mortgage documents that MY MORTGAGE BROKER DID NOT BOTHER TO POINT OUT. A few of the things that my "buddy" mortgage broker had stuck with was what is called a balloon loan. Which is essentially a interest only payment for 29 and 11 months and on the eve of the 29th year and 12th month i was going to have to have the total principal payed off. That would be one payment of $200,000 plus!



I had no plan, I had no retirement fund and I was never going to retire. I had no life insurance and no will. My family would've been totally screwed. yes I could have gone on the internet and bought some crappy 10 term thing but at 32 i needed something that i wasn't going to have to worry about every ten years. Just get one policy that's inexpensive that takes care of me until I'm ready to retire then cancel... easy as that.



I read earlier about how some call it a cult. But how much stress on the average family is based on money? I mean seriously if you're paying $1500 a month on debt but make $2000 a month your basically screwed. Someone comes in for a few referrals frees up about $300 and gets me out of debt in half the time YES! I was saying thank you God and I imagine you wouldn't be troubled at all by getting out of debt and knowing how to stay out of debt (no such thing as a good debt believe me).



Before you even bother to make judgement sit down with a representative and talk it out. If you don't feel comfortable then it's the reps fault that he/she wasn't able to communicate what he does a little more clearly.



Sometimes in life there comes along a good thing that is absolutely as good as it sounds. Not everything is but do yourself a favor and go ahead with the plan, it's your sister and I'm sure your not interested in her business but encourage her regardless she's doing a great thing for people.



Oh and yes interest rate is important but not nearly as important as you think. What's most important is how much your paying and for how long your paying it. Free up the money... get out of debt early... encourage your sister.



OH wait one more thing



Seriously though the name of the website is ripoffreport.com and every company should be on here because everybody's been screwed in some way. Should we shell up and become pessimistic because of it? Some maybe will... All i know is that there's bad and good in everything. Not to try and sound like a hippy or high and mighty about what primerica did for me but if there's a drawback to primerica it would probably working in the company and dealing with internet nerds who slam everything.



I just hope you all have a sense of humor about this...

How dare you state that I am imitating you? Not the case. I would never allow myself to be so low and dishonest. So there is no flattery involved, even though in your warped sense of things, that is what you think.



About Associates Bank.

You quote, as you seem to do a lot, from unreliable, unknown, unvetted sources. (Your source solicits online contributions I wonder why?) I will quote from the Federal Trade Commission, the ones who filed the suit. Any garbage you post is just that. Here is the title of the complaint. And I invite everyone to check it out (http://www.ftc.gov/opa/2001/03/associates.htm) instead of the slanted article Stuart quoted from.



FTC Charges One of Nation's Largest Subprime Lenders with Abusive Lending Practices

Associates First Capital Corporation And Its Successors Citigroup Inc. And CitiFinancial Credit Company Named in Complaint



Anyone who has done legal work knows that when you buy a company you assume its pluses and its minuses. Note that the complaint is NOT against Citigroup but names Citigroup as a SUCCESSOR. NOWHERE IN THE COMPLAINT IS CITIGROUP ACCUSED OF DOING THESE THINGS!! So again and again you post any crap you can find and libelously paint it as this what we are doing today.



Credit Cards:

Then you bring up credit cards and that we help people get out of debt. So what? Doesn't GM compete with itself by making lots of car models? Many super-sized corporations have some competing divisions. You keep trying to paint everything as negative. I feel sorry for you.



Pyramids:

Every hierarchical structure in the world is pyramidal in shape. That is the absolute truth. But you disingenuously equate that with Ponzi Schemes implying that we are a Ponzi Scheme which we are not. Your arguments are worst type of subterfuge. You try to mislead people with words, innuendoes and half-truths.



Where were you?

Unlike you, I am helping people; you are not with this crap. Unlike you, I am busy with middle-America families getting rid of their debt What do you do? I don't have time to waste debating with someone who is so far outside reality that it is beyond belief. I have better things to do then refute over and over again all the crap you post here.



Bye

I quote:



"I can always count on Stuart, the infamous spewer of half-truths and innuendoes, to slither (using his words) from under his rock and spit venomous garbage here." They do say that imitation is the sincerest form of flattery as you like to quote me now (I guess your handy dandy Primerica manual says you oughtta do that).



Another quote:



"For Maria, if you have not read the numerous threads that Stuart has posted onto, I have debunked every one of his diatribes. He now has a new piece of garbage that he is posting. For all those who are sane, you realize that when large corporations such as CitiGroup and JPMChase, etc. are buying hundreds of small companies, especially in the south, those older institutions did things in days past which are now frowned upon. For example, JPMChase acknowledged: We recently completed extensive research examining our company's history for any links to slavery to meet a disclosure commitment to the City of Chicago and other municipalities. Today, we are reporting to Chicago that our research has discovered new information. Two predecessors -- Citizens Bank and Canal Bank in Louisiana -- served as banks to plantations from the 1830s until the Civil War, accepted enslaved individuals as collateral on loans, and sometimes took ownership of them when the plantation owners defaulted on the loans."



Now Paul I want you to pay attention very carefully as I hope that I'm not going over your

head. You missed a very important part of my

posting which is: "Citigroup has tried desperately to deflect the legal and public relations problems by suggesting that all the really bad practices had been the work of Associates First Capital before it became a member of the Citi family. The corporation feigned shock and dismay that such practices had been going on and urged the Federal District Court in Atlanta to dismiss Citigroup and its consumer finance unit, CitiFinance, from the FTC lawsuit.



Instead of extricating Citigroup and its affiliates from the lawsuit, the dismissal motion dug the hole deeper for the corporation. FTC produced affidavits from a former employee charging that the corporation's consumer lending affiliate CitiFinancial had engaged in unethical lending practices long before Associates First Capital had been acquired. The court refused to sever Citigroup and its consumer credit affiliate, CitiFinancial from the suit.



According to the FTC complaint, the Associates charged its customers prices that were substantially higher than those available to borrowers in the prime market. The FTC said Associates charged as many as eight points on mortgage loans each point equaling 1 percent the amount financed on top of inflated fees."

(from http://multinationalmonitor.org/mm2002/02april/april02corp2.html)



Did you get that Paul? This doesn't go back to Civil War days. In fact while we're on the subject

of banks, I like how you and your cronies knock the banks while Citibank is part of Citigroup, your parent company. I like how you say how you're

trying to get people out of credit card debt which

is the the business of Citibank. This is attacking

your own sister company Paul and you should be

ashamed of yourself for doing that. Then you put

your own foot into your mouth (after running it

off) by saying this:



"Every corporation in the world is a pyramid (or do all the clerks in yours make big bucks?)" I'm

sure that the fat cats at Primerica must love you

for saying that because you're saying that Primerica is also a pyramid (which a true blue

Primerican would never admit to). In fact I thought you weren't coming around here anymore

for the past two weeks because you were bounced out of Primerica.



Another quote:



"We are an EXTREMELY regulated industry with the SEC, NASD, and a dozen more agencies breathing down our neck." I can believe that after that

California Primerica executive was busted for

ripping off a senior citizen.



Yet another quote (sorry folks I have to respond):



"Get a life Stuart." As if you're one to judge Paul. I would suggest (and others have also made

a similar suggestion) that YOU Paul see life for

what it really is by looking around you without

seeing it through a Primerica perspective. There

was life before Primerica (even for you Paul) and

there's life after it.



So no Paul I'm sorry if this destroys your fantasy, but you haven't debunked me garbageman, try as you will (since you have nothing to debunk troll).



One more quote (actually a quote of a quote):



"Go back to your rock." I am at my rock which is

Ripoff Report. I will be helping Primerican victims by debunking con artists such as you Paul.

When will you be helping the victims?

I quote:



"I can always count on Stuart, the infamous spewer of half-truths and innuendoes, to slither (using his words) from under his rock and spit venomous garbage here." They do say that imitation is the sincerest form of flattery as you like to quote me now (I guess your handy dandy Primerica manual says you oughtta do that).



Another quote:



"For Maria, if you have not read the numerous threads that Stuart has posted onto, I have debunked every one of his diatribes. He now has a new piece of garbage that he is posting. For all those who are sane, you realize that when large corporations such as CitiGroup and JPMChase, etc. are buying hundreds of small companies, especially in the south, those older institutions did things in days past which are now frowned upon. For example, JPMChase acknowledged: We recently completed extensive research examining our company's history for any links to slavery to meet a disclosure commitment to the City of Chicago and other municipalities. Today, we are reporting to Chicago that our research has discovered new information. Two predecessors -- Citizens Bank and Canal Bank in Louisiana -- served as banks to plantations from the 1830s until the Civil War, accepted enslaved individuals as collateral on loans, and sometimes took ownership of them when the plantation owners defaulted on the loans."



Now Paul I want you to pay attention very carefully as I hope that I'm not going over your

head. You missed a very important part of my

posting which is: "Citigroup has tried desperately to deflect the legal and public relations problems by suggesting that all the really bad practices had been the work of Associates First Capital before it became a member of the Citi family. The corporation feigned shock and dismay that such practices had been going on and urged the Federal District Court in Atlanta to dismiss Citigroup and its consumer finance unit, CitiFinance, from the FTC lawsuit.



Instead of extricating Citigroup and its affiliates from the lawsuit, the dismissal motion dug the hole deeper for the corporation. FTC produced affidavits from a former employee charging that the corporation's consumer lending affiliate CitiFinancial had engaged in unethical lending practices long before Associates First Capital had been acquired. The court refused to sever Citigroup and its consumer credit affiliate, CitiFinancial from the suit.



According to the FTC complaint, the Associates charged its customers prices that were substantially higher than those available to borrowers in the prime market. The FTC said Associates charged as many as eight points on mortgage loans each point equaling 1 percent the amount financed on top of inflated fees."

(from http://multinationalmonitor.org/mm2002/02april/april02corp2.html)



Did you get that Paul? This doesn't go back to Civil War days. In fact while we're on the subject

of banks, I like how you and your cronies knock the banks while Citibank is part of Citigroup, your parent company. I like how you say how you're

trying to get people out of credit card debt which

is the the business of Citibank. This is attacking

your own sister company Paul and you should be

ashamed of yourself for doing that. Then you put

your own foot into your mouth (after running it

off) by saying this:



"Every corporation in the world is a pyramid (or do all the clerks in yours make big bucks?)" I'm

sure that the fat cats at Primerica must love you

for saying that because you're saying that Primerica is also a pyramid (which a true blue

Primerican would never admit to). In fact I thought you weren't coming around here anymore

for the past two weeks because you were bounced out of Primerica.



Another quote:



"We are an EXTREMELY regulated industry with the SEC, NASD, and a dozen more agencies breathing down our neck." I can believe that after that

California Primerica executive was busted for

ripping off a senior citizen.



Yet another quote (sorry folks I have to respond):



"Get a life Stuart." As if you're one to judge Paul. I would suggest (and others have also made

a similar suggestion) that YOU Paul see life for

what it really is by looking around you without

seeing it through a Primerica perspective. There

was life before Primerica (even for you Paul) and

there's life after it.



So no Paul I'm sorry if this destroys your fantasy, but you haven't debunked me garbageman, try as you will (since you have nothing to debunk troll).



One more quote (actually a quote of a quote):



"Go back to your rock." I am at my rock which is

Ripoff Report. I will be helping Primerican victims by debunking con artists such as you Paul.

When will you be helping the victims?

I quote:



"I can always count on Stuart, the infamous spewer of half-truths and innuendoes, to slither (using his words) from under his rock and spit venomous garbage here." They do say that imitation is the sincerest form of flattery as you like to quote me now (I guess your handy dandy Primerica manual says you oughtta do that).



Another quote:



"For Maria, if you have not read the numerous threads that Stuart has posted onto, I have debunked every one of his diatribes. He now has a new piece of garbage that he is posting. For all those who are sane, you realize that when large corporations such as CitiGroup and JPMChase, etc. are buying hundreds of small companies, especially in the south, those older institutions did things in days past which are now frowned upon. For example, JPMChase acknowledged: We recently completed extensive research examining our company's history for any links to slavery to meet a disclosure commitment to the City of Chicago and other municipalities. Today, we are reporting to Chicago that our research has discovered new information. Two predecessors -- Citizens Bank and Canal Bank in Louisiana -- served as banks to plantations from the 1830s until the Civil War, accepted enslaved individuals as collateral on loans, and sometimes took ownership of them when the plantation owners defaulted on the loans."



Now Paul I want you to pay attention very carefully as I hope that I'm not going over your

head. You missed a very important part of my

posting which is: "Citigroup has tried desperately to deflect the legal and public relations problems by suggesting that all the really bad practices had been the work of Associates First Capital before it became a member of the Citi family. The corporation feigned shock and dismay that such practices had been going on and urged the Federal District Court in Atlanta to dismiss Citigroup and its consumer finance unit, CitiFinance, from the FTC lawsuit.



Instead of extricating Citigroup and its affiliates from the lawsuit, the dismissal motion dug the hole deeper for the corporation. FTC produced affidavits from a former employee charging that the corporation's consumer lending affiliate CitiFinancial had engaged in unethical lending practices long before Associates First Capital had been acquired. The court refused to sever Citigroup and its consumer credit affiliate, CitiFinancial from the suit.



According to the FTC complaint, the Associates charged its customers prices that were substantially higher than those available to borrowers in the prime market. The FTC said Associates charged as many as eight points on mortgage loans each point equaling 1 percent the amount financed on top of inflated fees."

(from http://multinationalmonitor.org/mm2002/02april/april02corp2.html)



Did you get that Paul? This doesn't go back to Civil War days. In fact while we're on the subject

of banks, I like how you and your cronies knock the banks while Citibank is part of Citigroup, your parent company. I like how you say how you're

trying to get people out of credit card debt which

is the the business of Citibank. This is attacking

your own sister company Paul and you should be

ashamed of yourself for doing that. Then you put

your own foot into your mouth (after running it

off) by saying this:



"Every corporation in the world is a pyramid (or do all the clerks in yours make big bucks?)" I'm

sure that the fat cats at Primerica must love you

for saying that because you're saying that Primerica is also a pyramid (which a true blue

Primerican would never admit to). In fact I thought you weren't coming around here anymore

for the past two weeks because you were bounced out of Primerica.



Another quote:



"We are an EXTREMELY regulated industry with the SEC, NASD, and a dozen more agencies breathing down our neck." I can believe that after that

California Primerica executive was busted for

ripping off a senior citizen.



Yet another quote (sorry folks I have to respond):



"Get a life Stuart." As if you're one to judge Paul. I would suggest (and others have also made

a similar suggestion) that YOU Paul see life for

what it really is by looking around you without

seeing it through a Primerica perspective. There

was life before Primerica (even for you Paul) and

there's life after it.



So no Paul I'm sorry if this destroys your fantasy, but you haven't debunked me garbageman, try as you will (since you have nothing to debunk troll).



One more quote (actually a quote of a quote):



"Go back to your rock." I am at my rock which is

Ripoff Report. I will be helping Primerican victims by debunking con artists such as you Paul.

When will you be helping the victims?

I quote:



"I can always count on Stuart, the infamous spewer of half-truths and innuendoes, to slither (using his words) from under his rock and spit venomous garbage here." They do say that imitation is the sincerest form of flattery as you like to quote me now (I guess your handy dandy Primerica manual says you oughtta do that).



Another quote:



"For Maria, if you have not read the numerous threads that Stuart has posted onto, I have debunked every one of his diatribes. He now has a new piece of garbage that he is posting. For all those who are sane, you realize that when large corporations such as CitiGroup and JPMChase, etc. are buying hundreds of small companies, especially in the south, those older institutions did things in days past which are now frowned upon. For example, JPMChase acknowledged: We recently completed extensive research examining our company's history for any links to slavery to meet a disclosure commitment to the City of Chicago and other municipalities. Today, we are reporting to Chicago that our research has discovered new information. Two predecessors -- Citizens Bank and Canal Bank in Louisiana -- served as banks to plantations from the 1830s until the Civil War, accepted enslaved individuals as collateral on loans, and sometimes took ownership of them when the plantation owners defaulted on the loans."



Now Paul I want you to pay attention very carefully as I hope that I'm not going over your

head. You missed a very important part of my

posting which is: "Citigroup has tried desperately to deflect the legal and public relations problems by suggesting that all the really bad practices had been the work of Associates First Capital before it became a member of the Citi family. The corporation feigned shock and dismay that such practices had been going on and urged the Federal District Court in Atlanta to dismiss Citigroup and its consumer finance unit, CitiFinance, from the FTC lawsuit.



Instead of extricating Citigroup and its affiliates from the lawsuit, the dismissal motion dug the hole deeper for the corporation. FTC produced affidavits from a former employee charging that the corporation's consumer lending affiliate CitiFinancial had engaged in unethical lending practices long before Associates First Capital had been acquired. The court refused to sever Citigroup and its consumer credit affiliate, CitiFinancial from the suit.



According to the FTC complaint, the Associates charged its customers prices that were substantially higher than those available to borrowers in the prime market. The FTC said Associates charged as many as eight points on mortgage loans each point equaling 1 percent the amount financed on top of inflated fees."

(from http://multinationalmonitor.org/mm2002/02april/april02corp2.html)



Did you get that Paul? This doesn't go back to Civil War days. In fact while we're on the subject

of banks, I like how you and your cronies knock the banks while Citibank is part of Citigroup, your parent company. I like how you say how you're

trying to get people out of credit card debt which

is the the business of Citibank. This is attacking

your own sister company Paul and you should be

ashamed of yourself for doing that. Then you put

your own foot into your mouth (after running it

off) by saying this:



"Every corporation in the world is a pyramid (or do all the clerks in yours make big bucks?)" I'm

sure that the fat cats at Primerica must love you

for saying that because you're saying that Primerica is also a pyramid (which a true blue

Primerican would never admit to). In fact I thought you weren't coming around here anymore

for the past two weeks because you were bounced out of Primerica.



Another quote:



"We are an EXTREMELY regulated industry with the SEC, NASD, and a dozen more agencies breathing down our neck." I can believe that after that

California Primerica executive was busted for

ripping off a senior citizen.



Yet another quote (sorry folks I have to respond):



"Get a life Stuart." As if you're one to judge Paul. I would suggest (and others have also made

a similar suggestion) that YOU Paul see life for

what it really is by looking around you without

seeing it through a Primerica perspective. There

was life before Primerica (even for you Paul) and

there's life after it.



So no Paul I'm sorry if this destroys your fantasy, but you haven't debunked me garbageman, try as you will (since you have nothing to debunk troll).



One more quote (actually a quote of a quote):



"Go back to your rock." I am at my rock which is

Ripoff Report. I will be helping Primerican victims by debunking con artists such as you Paul.

When will you be helping the victims?

Well, Well. I am never disappointed. I can always count on Stuart, the infamous spewer of half-truths and innuendoes, to slither (using his words) from under his rock and spit venomous garbage here.



For Maria, if you have not read the numerous threads that Stuart has posted onto, I have debunked every one of his diatribes. He now has a new piece of garbage that he is posting. For all those who are sane, you realize that when large corporations such as CitiGroup and JPMChase, etc. are buying hundreds of small companies, especially in the south, those older institutions did things in days past which are now frowned upon. For example, JPMChase acknowledged:



We recently completed extensive research examining our company's history for any links to slavery to meet a disclosure commitment to the City of Chicago and other municipalities. Today, we are reporting to Chicago that our research has discovered new information. Two predecessors -- Citizens Bank and Canal Bank in Louisiana -- served as banks to plantations from the 1830s until the Civil War, accepted enslaved individuals as collateral on loans, and sometimes took ownership of them when the plantation owners defaulted on the loans.



But to post here that old scenarios of purchased banks are policy for CitiGroup today is simply an example of how ludicrous Stuart's postings are. He slithers (his word again) around the internet looking for anything that he can falsely attribute to Primerica or CitGroup. How sad. Get a life Stuart.



Then you say I didn't answer her. Well you learn how to read (but I know you are too full of blind hate to do that). I did answer her. I advised her to sanely evaluate the offerings. All these offerings are at no cost to her. Then after a sane and intelligent appraisal of what's in front of her, she can decide yes or no. It is wrong for anyone to never look at options. That is your ludicrous suggestion.



As far as Enron and us. We are an EXTREMELY regulated industry with the SEC, NASD, and a dozen more agencies breathing down our neck. All Enron had was their audit firm, which is now out-of business. So once again, you make spurious comparisons which do not hold water. Give up Stuart. You lost.



And now for your final ridiculousness. You accuse me of having no right to be on this site. Well you are again wrong. I am the business you are attacking. I have every right to counterpoint your speculations, innuendoes, half-truths, slander, and anything else you throw onto this site. I have every right to speak out to protect the victims of Stuart.



But who are you? You never state what hurt you had from Primerica. You never state why you post here. You state you are a former member of Primerica, but you offer no proof of that. And why do you start so many threads? The purpose of this site is for someone to start a thread and post what happen to them. Not to post it over and over again. Not to post every piece of garbage you find trolling the internet. It is my speculation that you are a rival agent who continuously loses business to us because there is no competition to the services we provide.



And to use this site as a forum to attack a competitor is against what this site is for. So no matter how many times you state what is not true. So no matter how many times you post stuff in a slanderous way. So no matter how many threads you start. It will not change the facts. We provide a good service to people. And the people decide if it is in their best interest. Period.



Go back to your rock.

Well look who slithered back.



Paul, if it's not beyond your ability to comprehend, read Maria's question more carefully:



"My question is how can I intelligently tell both my sister and this other girl NO that we are not interested?"



So Paul, which part of NO WE ARE NOT INTERESTED don't you understand? Maybe you should check your

handy dandy Primerica manual for that one.



"We are rated A++ by AMBest, the leading rating agency." Would you like to me show you Paul what

Enron was rated and by whom before they collapsed?



You know what Paul. Previously you and your self- serving cronies liked to brag about Primerica being part of the great Citigroup. At one time I even considered joining up with Citigroup. Well I rescind my application and here's my reason, read

on troll:



(from http://www.innercitypress.org/citi.html):



"There's a problem, however. Citigroup has been charged with predatory lending to the poor, not only by consumer advocates, but by the Federal Reserve Board, the Federal Trade Commission, and other governmental agencies. Citigroup's seeming capture of microcredit as-industry does not bode well." I wouldn't soil my hands on this.



What's that you say Paul? It's "crap" or "garbage." Well if you keep trolling around on

Ripoff Report, then this is what you deserve. Here

comes the main meal garbageman:



(from http://multinationalmonitor.org/mm2002/02april/april02corp2.html):



"Citigroup has tried desperately to deflect the legal and public relations problems by suggesting that all the really bad practices had been the work of Associates First Capital before it became a member of the Citi family. The corporation feigned shock and dismay that such practices had been going on and urged the Federal District Court in Atlanta to dismiss Citigroup and its consumer finance unit, CitiFinance, from the FTC lawsuit.



Instead of extricating Citigroup and its affiliates from the lawsuit, the dismissal motion dug the hole deeper for the corporation. FTC produced affidavits from a former employee charging that the corporation's consumer lending affiliate CitiFinancial had engaged in unethical lending practices long before Associates First Capital had been acquired. The court refused to sever Citigroup and its consumer credit affiliate, CitiFinancial from the suit.



According to the FTC complaint, the Associates charged its customers prices that were substantially higher than those available to borrowers in the prime market. The FTC said Associates charged as many as eight points on mortgage loans each point equaling 1 percent the amount financed on top of inflated fees."



So Paul when I see Primerica reform along with its parent, that's when I won't have to post anymore.



You have no business here as you're doing nothing

to help the victims of Primerica which is what

Ripoff Report is all about.

Maria, please listen to other than emotion, venom, and vitriol (and some outright lies).



Everything that your sister does is complementary and provides you with financial information. Then you make YOUR decision.



You stated that you just refinanced. A mortgage is a product. You need to compare the cost of your current product to the cost of the SMART product. Take the money you received and subtract it from the total you will pay and any out-of-pocket closing costs. That is the true cost of your product (not APR which is a load of bull). That difference is the cost. As it is spread over many years, 22 yet to go for you, you have a unique opportunity to trade in an expensive product for a product that will cost less (unlike a car which loses value, money is money). Do a SMART loan (no out-of-pocket cost to you) and compare the cost of that product. If it is more expensive, don't do it. If it is cheaper, then refinance. YOU need to make the decision. I have saved clients over $50,000. That is a lot of money!!! Do the numbers and compare.



Your statement about credit cards confuses me. If you can switch the cost of money from 23% to 6%, why wouldn't you? If you are worried that you might lost your house it would be because you are wasting tons of money paying high interest on your credit cards. It sounds like you are a victim of the rip-off credit card companies. I suggest you work the numbers.



As for scripted speech, all presentations and sales are scripted. So that is not a negative, it is a fact of doing business. And yes, your sister is being trained. No one can sell you anything. You have to decide to buy it. They will give you information about any true rip-off products you own (like whole life).



Why are you so afraid to investigate a potential improvement in your financial situation? Do you believe that a bank operates in your best interest; they don't. Won't your sister advise you correctly?



You state: Reading so many horrible things!!!!!!!!!!!!!!!! Type in Primerica Sucks into your search engine. You should get about 600 hits. Now go and enter Gap Sucks. You will get over 600,000 hits!!!! Type in Panasonic Sucks and get over 110,000 hits. And so on. The truth is that there are only a few complaints compared to other brands which you know. The truth is that no one checks the veracity of the crap that is posted here. So don't believe what is here simply because someone posts it. Everything I am telling you is verifiable and you can check it out. Don't be misled by the rival insurance agents who post negatively because they can't compete with us. We are rated A++ by AMBest, the leading rating agency. We wouldn't have that if even only 10% of the garbage posted here was true.



Compare our products and YOU decide. Please let me know if you read this and acted on it.



Good luck.

If you had been honest up front, you would simply have told your sister that you weren't interested.



Instead, you offered her false hope. You know, or should have known, that salespeople aren't there to chat over coffee and dessert. They expect to sell something. With primerica, the pay is strictly commission. Every presentation they do that doesn't result in a sale pays them nothing.



You took your sister's time, and planned to give her nothing in return. Chances are, you knew all this before they even came over. But, you let them continue anyway. Certainly not the best way to treat your own sister, for christ sake.



Be honest now. Better late than never. Tell her in no uncertain terms that you will not be buying. Tell her that you will not do business with primerica.



Do not purchase anything. That will only piss you off. You'll hold her responsible. That will interfere with your relationship.



Keep your answer short and to the point. Say no. Do not get drawn into an argument. The way to do that is by not making any comments in return. Listen to what is offered. Then, say no. And keep saying no.



Don't offer any more false hope for the future. No maybe later or maybe at another time.



DO NOT try to talk her out of primerica. She needs to come to her own decision about the company. There is a possibility that she will actually make money with them. Even if the job does not produce any money, she needs to reach that conclusion on her own.



What you need to learn is not to waste people's time by leading them on. Once you make up your mind, inform the salesperson. Don't allow them to waste the most important thing any of us has. Time.



And, when this primerica nonsense blows over for your sister, don't sit back and say I told you so. Be supportive. It's hard to find a good job. She obviously is doing the best she can. Help her find her way when the job finally ends.

Be strong, just say NO to Primerica. They are trying to trap you, con you. When you get in there is no ways to get out. they bleed you until you lose everything. your sister has been doped by those mobsters. Get her out ASAP.

For Maria,



Listen to the results of the FNA. Kindly thank them for showing it to you. Thereby saving face with your sister. Don't sign anything. Later direct your sister to this site, and allow her to judge for herself. Chances are that the rate will be 1.5 3 points higher. They will argue interest rates don't matter (which of course they do), blah, blah, blah. They'll compare there rate which like all mortgages are straight or simple interest, with the compounding nature of interest charged to credit cards. It usually makes more sense to just payoff your credit cards (apply more than the minimum for each card). There is nothing they propose that can't be handled by your present mortgage company and I'm sure for a lot less. Finally, sometime during the presentation there will probably be a hard pitch to sell you the over-priced life-insurance, and other products, especially if you put off the decision to take out the loan. Good luck.