Pre-Paid Legal Services Inc. Is A Fraud
93Reports a must read about the practices of PPL
- Pyramid Scheme Alert
The first international organization to expose, study and prevent illegal pyramid schemes. - Pre-Paid Legal Services - Wikipedia, the free encyclopedia
Read Criticisms section of Wiki. - Ponzi Scheme Release PrePaid Legal
- Investor, Shareholder, Pre-Paid Legal Release Detail
Plaintiff's awarded 45,000...Prepaid Legal - Fraud Discovery Institute releases new report about Pre-Paid Legal Services, Inc. | Sequence Inc. F
- PrePaid Legal Info - a Fair and Balanced look at PrePaid Legal aka Pre-Paid Legal
Some call it a Scam, others believe it's a Great Opportunity
- Ripoff Report Search Results: prepaid legal
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I feel like a fool!
I recently joined as a pre-paid legal associate. At first there was always someone ready to talk to you and help you out but as soon as they receive your money good luck getting in contact with anyone.
After I signed up my first member I didn't receive the commission that was promised. Now, I thought it was a legitimate company because I know the person I signed up through and could see his commissions statements and really believed that it was legit.
After a couple weeks I was still wondering, calling, emailing, trying to get in touch with the regional managers and even the Regional VP when I couldn't get through I realized that something was really wrong with this company. I was told several different lines like, "that is because your new associate didn't also buy a membership" or "it's because you didn't set up the direct deposit right" and the best line yet was, " it's because it's the end of the month and they are swamped, that is why the line is always busy."
I was even told to use my Google email account to contact them because they wont open email through other servers, not even through their customer website link where they send you an automated receipt that your email was received.
So after enough lines and only $50.00 and random deductions from my commissions statement, I decided to dig a little deeper because obviously something wasn't right.
Click to enlarge image. Copy of email I recieved after requesting to cancel.
I tried to cancel.
How do you cancel through a company you cannot contact? Here is the bottom line, they set up their associates sites so that you can neither cancel nor change your credit card information and you cannot access the agreement you signed up with nor cancel the e-service membership that automatically deducts from your account every month. So what do you do?
You have to call the bank and file a fraud claim. I don't know if you will ever get your money back but at least you can stop them from accessing your account. When you file a claim with your bank, the bank does an investigation and when they cannot get through to the company as well they will either issue you a new account or card to stop all transactions to your account through the company.
This is a giant pain in the arse and I am sorry if I lead anyone to believe that this company was a legitimate business.
Pre-Paid Legal Services Inc. in the News
- Pre-Paid Legal Services Addresses FTC ComplaintFox News27 hours ago
On Friday, Pre-Paid Legal Services (PPD) tried to diffuse some of the negativity brought on by a complaint from the Federal Trade Commission by saying the complaint was the “next step in an ongoing process."
- Pre-Paid Legal Plays Down FTC Draft Complaint; Shares RiseNasdaq2 days ago
Pre-Paid Legal Services Inc. (PPD) sought to undo some of the damage done by its disclosure Thursday that it got a draft complaint from the Federal Trade Commission, saying on Friday it believes the move is merely "the next step in an ongoing process."
- Pre-Paid Legal: FTC papers part of ongoing processNews On 6 Tulsa33 hours ago
Associated Press - November 20, 2009 2:35 PM ET ADA, Okla. (AP) - Pre-Paid Legal Services Inc. is clarifying today that a draft lawsuit it has received from the Federal Trade Commission is part...
After further investigation into the company
It turns out that Pre-Paid Legal Services Inc. is manipulating their stock shares by buying their own shares back to make it look as though their company is growing. This was something that I looked into before I invested with them. Their profits showed an increase and as an amateur investors all I knew was that the companies shares were increasing steadily over the last year.
However, the Fraud Discovery Institute issues a report and a warning to consumers and especially "recruits" (prepaid legal associates) siting that the company has been in rapid decline and under FBI investigation for the last two years and they company has been crumbling and using new recruits enrollment fees to pay their share holders to reinvest into their own stock. -edit October 6th; read news feeds at the bottom, Pre-Paid Legal was subpoenaed today.-
The company is also involved in what can formally be called money laundering. They are trying to cover their tracks by money transfers through their pyramid system but after a 50% cancellation of associates and memberships, they needed to pay the money back. In order to pay the money back, they were getting new recruits to invest their money into the ponzi scheme to pay the investors and the new associates who signed people up and are being charged back for the monies paid as commissions for their new associates.
So beware, if you were one of the ones who did actually receive a payment, it is likely that you will also see a deduction from your account taking back the money that was paid to you for your work.
And if that doesn't blow your mind enough, this "charge back" scam is not listed in the agreement and the company is fleecing it's consumers with false claims that you will make 138.00 per new associate you sign up all to come find out that you might...might... see this in your commissions statement but you wont actually get paid.
Then the people that you signed up through call who they signed up through and so on and so forth giving you run around lines as to why because in order to keep the company from going bust they have to keep money transferring in the system so that they can repurchase their stock and make it look like it is a legitimate company.
So, luckily I had caught on and I apologize with all my heart to anyone and everyone who read anything that I had written regarding the company and who had signed up. Debbie, I am so sorry. Unfortunately, like Debbie, before I made my decision to join I also heard a lot of great things about the company. And this may as well be so then but it is not the case as of today.
The company is folding and investing money they do not have into securing their lifestyles and causing people like me who believed I was making honest money to steal from other people and in turn they are stealing from others as well.
Now, I feel like a fool and I don't know what else to do but I have been in contact with everyone I know that signed up letting them know that the company is a fraud and they are about to lose their butts on this and I regret being part of something that, had I known, would never in my life considered.
Check the links I left about them as well as use your noggin when checking with the BBB. When I check with the BBB, something wasn't adding up and it didn't make sense until now. When you look up the BBB about PPLSI, it gives 1 that is listed as good with the BBB and pages upon pages of others that are not.
The ones that are not are what has been clarified to be, "independent associates" and are not actually affiliated with the company as I thought I was. Now, I also know a lot of people who will say that Pre-paid legal is legit and a good business but unfortunately, the fleece covers a lot of eyes and takes advantage of people who are still waiting to get paid.
The cancellation rate of associates is 50% after a year. What does that tell you? It tells me that people are actually giving it the benefit of the doubt and waiting a whole year before you figure out, you are never going to get paid. That or you will wake up one morning with the total sum of the monies paid to as commissions deducted from your account.
Mr. FitzPatrick asked in his Pre-Paid Legal Portrait of a Pyramid in Collapse, why are people canceling after a year?
Seems to me that they are canceling after a year because on the associates log in page you have an "Earnings Option" to either pick 1 year or 3 years. According to the agreement, #13-14 of the associates TOS, "Loans" (also known as Commissions) are paid for a term of 1-3 years. This is what the contract calls an "Advance" that the "Associates" are mislead to believe that this is an advance as in a loan paid upfront before sales are rendered. Not knowing that all commissions received are what the contract deems an "advance".
However, according to FDI, PPLSI has changed the terms of "commissions" to mean "assets", in which case the money that people are receiving, believing that it is a paycheck is actually a loan that the company pays out when "sales" are made for a term of 1-3 years.
After which time, the company collects the "assets" that were paid out during this period from the unsuspecting associates, which can also be termed investors. So what else does this mean?
From my understanding, the company stock is not actually worth the apx. $43.00 per share but can make it look as such because the money they have put out on loan to their associates is an asset which by their contracted agreement means, while the company doesn't actually have this money on hand, they can put it in their books to fix their stock share prices.
Also according to the stats in the PDF, it shows a pattern of 1 and 3 year rapid increase and rapid decline. Which to me (in my opinion) that after a year, the company collects the their assets from associates (again who don't know this), so the rate of cancellation booms while their stock shares increase.
This is my question. Why would anyone "knowingly" become an associate of PPLSI if they knew the money they are receiving in commissions is actually a loan?
- FORM 8-K SEC SUPOENA
- How the SEC Protects Investors, Maintains Market Integrity
What is the purpose of the SEC?
- Best Prepaid Pay As You Go Cell Phone Plans
I took the time to shop and compare the best prepaid pay as you go, go and month to month prepaid cell phone services providers and narrowed down the list according to: unlimited calling, service, coverage...
Cult Like Behavior Expressed by PPL Associates
This section has been added on October 13, 2009 to show my readers the cult like behavior that Mr. Fitzpatrick pin pointed in his Pyramid in Collapse report starting on page 7 following several comments left by someone called Steve and another Ava.
"They wrap themselves in treasured American values of entrepreneurship, family, and independence. Many claim to have a spiritual or Christian foundation. They position themselves as the rightful heirs of the venerated tradition of Yankee Peddler and classic door-to-door sales. And they also present a populist image as saviors of the little guy that has been mistreated by Corporate America and ignored by Washington. When regulators threaten them they can forcefully tell the believers that it is an expected response by corporate competitors or power-hungry bureaucrats fearful of MLM’s power to free people from jobs and government support.
MLM meetings are like religious revivals. Some followers take on the characteristics of cult members, constantly repeating aphorisms, obsessively recruiting, adopting a seemingly new personality and associating only with fellow devotees. Anyone who attends MLMs meetings will attest to the remarkable similarity of their presentations, rhetoric, participant responses, sales techniques, claims and promises. This is true whether the product is legal services, vitamin pills, soap or fruit juice."
The comments are there for all to read if you are in question about the validity of this hub.
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Definitely don't. :)
I have had several experiences similar to yours. In fact, one the past week with a company called SoftwareDirect. They charge my account twice a year $9.95. When I call to dispute, I get the same person each time. I try to cancel when I call and the voice at the other end seems willing to help. First they refer me to accounting,” then to “billing,” but, they are always unable to help me because they can’t find my credit card account in their records. They didn’t seem to have any trouble finding the number when they charge the account. After several calls and couple of hours of wasted time, I give up and forget about it until the next time my account is charged and I get angry enough to call again. This has been going on now for several years.
Although I had better things to do, I went to my bank, cancelled the card, and filed a dispute. If I get anything back, it will only be $9.95 for the last charge, but hopefully I have put an end to this one.
My question is, “With the technical skills these individuals possess, why is it they don’t use those skills to earn their money legitimately?”
Oh Sandra; I am so sorry. You're lucky you got out when you did. You are very brave and honorable to print your follow-up story. Thumbs up. Everyone gets a bit of egg on their face once in a while.
Once in a blue moon, I'll get lured into paying for something that I was mislead into buying and each time, it's through my Capital One credit card in which I can always turn around and dispute. I always get my way by the end of the phone call :D
I'm sorry to hear about this SCAM but was happy to hear that everything has been resolved. Talk about your everyday legitimate crook! Thank you for sharing this, Sandy. I'm sure you'll be helping a host of others that would've been sucked in :D
hon,
don't feel like a fool, I was sucked into that years ago, I would have thought they would have caught up with them by now, imagine having a lawyer by prepaid and telling the Judge "well he should be here, i have been paying for years.!1 Just toss it as a lesson learned. Just one of the many scams I allowed myself to be drawn into, hence the pen name "fortunerep". lol
dori
@escritor, I know right, why don't they use their skills to run a legitimate business?
@Green Lotus, thanks for the encouragement. :)
@Dohn, you know I rarely go for any of these things either but of course the time that I do...
@fortunerep, no kiddin'. You are still paying them?
Sorry Sandy, I still did not look into it. I could have warned you if I did. :(
I am sad to read of your experience! We have been so happy with our legal services, received through this company. We have used it for a minimum of five years to great success. How will all you have discovered affect clients?
Hi Sandra...good to see that I am not alone, my pet peeve is Classmates.com, the same run around annually until I went to Visa and explained and a stop payment was put in place after I wrote a letter.
You are not alone, its a buyer beware world out there, used to be if it sounds to good to be true be careful, consumers are starting to get the word out about some of these firms. Thank You for the hub...well done and very informative.
HI Sandra! It took me six months to understand what you discovered in a few weeks. I was stupid enough. I found this company a total sham and that's why I bid them a goodbye long time ago. I didn't want to discourage you when you offered me the membership which is why I didn't respond. I wanted you to take your own decision but I'm glad that you learnt the facts fast. Take care.
@Misha, no worries. :)
@storytellus, I don't know. I really don't know. :(
@Quill, it sure it a buyers beware world. I went to a business seminar once a few years ago and I remember some guy saying, "if it doesn't feel right do it, if it feels right, don't do it." I guess this has some meaning to me now. It was such an odd thing to say but it makes better sense after the fact.
@Anja, I guess it is lucky for me that I did discover this so soon. Unfortunately, money speaks louder then moral for some. I let the guy who I signed up through know what was going on but I don't think he believes me.
I feel like it sorta makes him a criminal because I did let him know but he will continue to "steal" money from unsuspecting people believing that his business is legit. In the long run I can only hope that it doesn't bite him and his family in the butt in a way that would be tough to recover from... with the charge backs that I anticipate coming ten fold after sometime.
So sad but what can I do other then give them the facts.
Was it this Brian F whatever? Or he was just another victim?
I don't know, I haven't talked to him yet. Chances are he will be another victim. :(
I have heard of pre-paid legal services but have had nothing to do with it...but know people who do. Going to forward this to them to see what they think. Thanks!
Hi Peggy, for some people they may not want to look at it for what it is. :(
Sometimes I wonder why human beings are filled with fraud intent always. There is indeed fraud everywhere. I have tried and tested http://www.holidaysandcash.com/onyemerekwe. Please join through my link. You stand to gain cash, pay less for hotels and flights and network with people all over the world.
I'm sorry to hear this. I know others who are doing this, I will pass on this hub to them. Thank you for sharing your experiences! It might be just what they need to hear.
Sorry you got burned Sandy and am glad you have the integrity to not only admit you were taken but to warn others. Proud of ya girl!
awwww, so sorry that happend to you. It stinks to get your hopes up, trust in something, and get let down. Are you out alot of money? Or just time...wich is a valuable thing I know. Anyway, I hope things are looking up for you now!! Thanks so much for swallowing your pride and writing this for others to be warned, that couldn't have been easy.
@Duchess, I think I mentioned this but I will mention it again for sake of getting the point across to other readers. I tried to pass on the information to the person I signed up through. Unfortunately that person doesn't believe me. As bizarre as it is, money is the only thing some people can see. Even though I had been asking questions and even raised a flag for him at one point, that person is still trusting the company because he did get a payment. Even though the payment wasn't anything close to what the program promised, even though the rules changed as that person moved along, even though he was fed line after line and even though I told that person that what he is doing is stealing from people... he wont hear a word.
But fortunately, some heard what I had to say, looked at the reports, talked with others about it who were also taken by pplsi and got out and are moving the information along. Yet still some unfortunate circumstances arose where another man can only see dollar signs and wont hear a word. I think they believe that because they are making some money then it must be legit. I think some don't understand that just because you can make some money doesn't mean that it is an honest business.
@BDaz! Thanks, yeah I felt a bit embarrassed and like a criminal but I know it is the right thing to do.
@redneck, fortunately I discovered this before we got taken for more. We weren't out too much money. I can live with never seeing it again but it still burns my bum, ya know?
Sad for the salesmen, which might mean no salesmen, which might be no sales, which will eventually mean no service is what I am thinking. Boo. Such a great concept.
It sounds like that will be the case. But in loo of the bad that leaves an opportunity for an honest business with the same concept.
Sandra sorry it took me so long to get to this hub. To all others I am the Debbie she is talking about. I have their packages still unopened and am sending it back to return sender way tomorrow. I already contacted my bank and will have to go in and sign their fraud form tomorrow after noon. I am glad tht I haven't opened their package yet! This is in my favor. I am also glad that I haven't signed up anyone under me either.
We are just mothers whom want to work from home because we have no means to get out to a job out of the home.
Update, I am sending the package back Return Reciept Requested or Certified--something that they have to sifn for. With these kids of comapnies it would surprise me if they come up with that I didn'tsend it back to them. With a signature I am sure that I can prove that I sent it back! Today I go to the bank and cancel my account and open another one. That is kind of a good thing too--I lost my check book. Not to worry, I don't use it that often and I know it is in this house somewhere becaeu I don't caryy it with me anywhere. I will let all of you know how it goes at the bank so others will be informed too.
Sandra, It is not your fault, even Dennis said that they put up a very good front for their business. There are many more that have been duped like us. It is not your fault.
Thanks Debbie, Jeff talked to his brother yesterday and put the information in his hand and also made him read the back of the associates sign up form... still his brother didn't believe. Then he said and guess what the company got a sp today too. Of course his brother said he was going to call his boss which makes me feel sorry for the guy and then Jeff told him, hey look. If you really don't want to believe me than get a different account for that because I don't want to see anything happen to your family. So we will see.
Of course Jeff was looking through my stuff and ppl sent me a check for 41.00 which I will also be sending back certified mail with all package of stuff that I still haven't received yet too.
Thanks for being so understanding Debbie. Read your email, funny! :D
Sorry to hear about this. As a general rule of thumb don't get envolved with multi level marketing(MLM) of any form it normally ends in disaster. It sounds like based on your story, there was a off shoot of the main entity. If thats the case, try and find out as much as you can and report that information to your States Attorney General's office.
Like what CJ? Names, numbers, email addresses, other contact information? What would I say to the AG?
Hi, I was scammed by this company and this is the person I was in direct contact with? If that is what I should do I can do just that.
CJ, the rule of thumb that you profess is not always that obvious. Just about every proft and non=profit business is MLM, so that holds no water. Any company that hires someone under them to make those who hired them money or status is MLM and you can count on companies like AVON, Mary Kay, and even the Knight's of Columbus who are totally non-profit. You make it sound like it is that easy to see an MLM and that we were so gullible or dumb. We did have any idea of what the company really was about until after we applied.
Lessons learned, at least for me, be happy with being a Housewife. There is soooooo much flack and stigma with that it is soooooo hard to just be happy with that. Everyone is telling women their place is in the workplace no matter what situation they are in AND....we are shunned upon and made to feel guilty if we don't do the status quo.
Do you have any suggestions CJ?
I don't think CJ meant any offense. I see your point though Avon and Mary Kay aren't scams though I am not really one to sell makeup. lol.
But I agree with you too. It always feels like housewives and stay at home moms are always getting the "you need to fill this too" crap because everything has to be about money these days.
I bet if more mothers or fathers would stay home with their kids there would be less dead children in the streets. Sorry, I watched CNN this morning about stuff going on in Chicago with teen violence and I actually agree with the Mayer and Governor's sentiments about parents taking more active roles in our kids lives.
I feel like an idiot too about the whole thing, I will never try it again.
Well Sandra we didn't know that this was a scam either until we got into it.
I agree more parents should be involved up to the kids eyebrown and top of their little heads. I have some expereience with this stuff as I am the Neighborhood Watch Chairman in our neighborhood. Most time, not all, the children are just acting and taking on the role that they have seen with their own parents. The nut doesn't fall far from the tree in other words.
I sent back the package and got a Return Receipt Request that has to be signed by a person in the company and I get it back in my mail--a hard copy.
I went to the bank and they are doing an investigation on the situation and the company. The bank manager took a Fraud Report from me and also called the company and got that there were 50 others in front of her and to call them back in the early am or late pm and they closed at 7pm. She closed my account and made a stipulation that she overrides any debits or credits to that old account. It will be totally closed in about 10 days. The debit card was also cancelled and a new one given to me. I am holding off activating it until this other account clears up. She agreed that it would be a good idea to do that.
That is a relief. So they called and were told that there were 50 people in front of her? OMG! When I finally got through on the customer service line, I said I wanted to cancel the sent me right back to the same line that keeps giving me the busy signal.
Sandra, it is interesting none of the comments any of you have made against PPLSI has any fact or truth. The Fraud is really your false comments. PPLSI has been in business over 37 years. If you really knew the credibility of the company you would not state the false things you are saying. I'll pray for you all, because when it is FRAUD, you all fall for it and when it is LEGITIMATE that's what you all call a FRAUD. You twisted the facts to make it seem a scam. You are stupid to think that 54 AV rated law firms that protect people's rights everyday has been part of a SCAM for 37 years. This belief you have is the most ridiculous thing I have ever heard. SHAME ON YOU!!!. Sandra...people like you would also lie against the existance of GOD. What makes you think you are the authority to speak agains PPLSI. If you had anything happen to you it is not the fault of PPLSI. Many people who are con artists lie to people to get them into the company. Don't blame PPLSI, blame the human. When you have a successful company like PPLSI, LOTS OF LIES AND TWISTING OF THE FACTS OCCUR. DESPITE THAT PPLSI continue to flourish. People like who don't have a clue spread lies and the FTC have an obligation to investigate. You see PPLSI is on NYSE because they don't have anything to hide. PPLSI NEVER SCAMMED YOU AND IT IS NOT A FRAUD. 34,000 companies offer it to their employees as a benefit. 4 Attorney Generals endorse PPLSI. The former president of the American Bar Association endorses PPL and the list goes on.... Who are you above these high ranking individuals? I feel sorry for all you people who actually got it wrong about PPLSI. There is always gonna be haters. Look how many people hate GOD or don't believe in him and say just about the same false things you say about PPLSI. MISUNDERSTANDING AND MISCOMMUNICATION HAPPENS EVERY DAY IN LIFE AND I BELIEVE THAT'S WHAT YOU ENCOUNTERED WITH PPLSI BUT TO ACTUALLY SAY IT IS A SCAM/FRAUD AND WE ARE STEALING MONEY FROM PEOPLE IS A BLATANT LIE AND YOU ARE IN FACT THE ONE THAT IS A FRAUD AND A SCAM. In 2007 all the law firms combined in USA and Canada saved people like you who actually were scammed or their rights violated over $21 million dollars. How is that stealing from people. By the way the law firms have saved me thousands of dollars when other company I do business with don't honor their end. In closng....I feel sad your experience didn't give you what you wanted....but please stop lying and look up in the dictionary the definition of SCAM/FRAUD.
I think you are a total dumb ass. Read number 13 and 14 on the back of your associate agreement.
Then while you busy pushing your "I hate God" agenda along with your ignorance, please stop by the FBI and tell them how you feel.
If you really want someone to listen to you make excuses for stealing peoples money, may I suggest God. He might just forgive you.
In closing, I feel sorry for you. To see all the evidence put forth in your face and turn the other way because "you" believe that money is more important than people.
You should try looking up ignorant in the dictionary that is if you know how to use one. Oh I know, why not contact one of PPLSIs lawyers and ask them what it means and then get back to me.
Other than that, I present people with information that they can read and investigate for themselves, so either you work for them and are offended by the truth and don't want to stop making the money that you are stealing from unsuspecting people, or you just stupid.
Have a great day! :D
Your guide it useful.
No surprise to read this having also been burnt (not with ppl though). How about this quote:
"Opportunities are usually disguised as hard work, so most people don't recognize them"- Ann Landers
Well Sandra, very adult calling someone a dumbass, like you did with Ava. One of your first comments shows the true dumbass. You commented that you were not paid because your associate didn't sign-up for a membership. That is correct, the company sells memberships and its people are paid on the memberships, not by recruiting others. Did you miss that somewhere? It never stops amazing me how people hear what they want, think what they want, and throw a lot of bull when they don't get their way because they are wrong. Most of your "facts" are 1/2 truths or speculations at best. As for the others who think everyone is a scam, because you read something somewhere, or here from what I can see, just remember, everyone has an opinion, just like a**holes, and most stink. As for your 50% of the people quit after one year, how many people quit a gym after 2 months? Quit dieting after a short time, Start smoking again? It's simple, if all this and Pre-paid were easy, everyone could do it. People quit things everyday. hell, 52% of marriages in the U.S. ends in divorce, would you say never get married because it's a scam?? Sorry you had a bad experience, but use facts, not your sad example where you clearly didn't listen to the person who took you in to that company.
Lady Guinevere
MLM: The structure is designed to create a marketing and sales force by compensating promoters of company products not only for sales they personally generate, but also for the sales of other promoters they introduce to the company, creating a downline of distributors and a hierarchy of multiple levels of compensation.
However, when the main drive is to get other people selling the product, rather than selling the product. Its definitely a red flag, for me at least. That was my impression of PPLSI when it was pitched to me.
Many folks sell Avon and Mary K. With many of those folks involved with Mary K and Avon, selling products is the focus, not inducing other people to also sell the product. Thats the big difference. Its the Product. Mary K and Avon are huge brands in their market. PPLSI is not.
Most companies profit and certainly non-profit are NOT MLM based. A lot of home based business' are MLM based. Your comment Lady G is inaccurate.
What in my comments encouraged this??
"Everyone is telling women their place is in the workplace no matter what situation they are in AND....we are shunned upon and made to feel guilty if we don't do the status quo."
Who is "everyone"? Who are "they"? My advise to you regarding them, is to ignore them. Do what you must and hopefully makes you happy.
Suggestions, Great business' for stay at home parents(not all are women):
Notary
Book Keeping
Craig's List/Ebay reseller
Seasonal Tax preparer
Art's/Craft's
Ava and Steve must be the same person, hmmm?
CJ, some of those work at home things are not work at home. I had my own work at home business a while ago until we moved to a remote area and could no longer do that due to the remoteness of the area and the fact that I don't have the space to do that anymore. I have tried the arts and crafts stuff, but the put out in money doesn't compensate for the time and energy and the money you put into it. My husband is a Notary and he has only gotten ONE call in the five years that he has been doing it. Tax Preparers, you have to go to their office to do it there, not many are at home workers.
I understand what MLM is.
The comment about working from home and moms woriing form home is in referrence to what Sandra was pointing out.
I wasn't trying to argue with you, just point out what I know from experience.
Steve
I find it humorous how you pointed out Sandra for being a child over something she said, and then turned around and called her the same thing. Great hypocrisy there. You should pat yourself on the back. : ) You are correct that people can make a point without the name calling, but you completely blew your own case by name calling. Ava compared the way people feel about a company to the way people feel about God. C'mon now. Really? Could Sandra have gotten away with NOT calling her a dumbass?
I'll post what someone told me it says:
"the back of the associates agreement number 13. It says in short that all monies paid to you by prepaid legal are considered a loan for business purposes only, by accepting any payment from prepaid legal, prepaid legal reserves the right to debit from your account all monies in which the company has paid out to you in form of commissions. "
Lady Guin....why do you guys keeep spreading LIES....SHAME ON YOU. Now, my post is AVA and now you want to speak more lies by trying to say STEVE (whom I don't know) and myself are the same...Is there no end to you all LIES. You are all very IGNORANT because PPLSI sell legal services to protect people's legal rights. It's really ironic how uneducated Sandra wants to get paid for recruiting. We don't sell people DUMBASS. You actually wanted to get paid for doing what. SANDRA, YOU ARE INDEED A FOOL Like you called yourself at the top of your post. Any company that pays someone to recruit is called a Pyramid and it is illegal. Because PPLSI didn't pay you to recruit because you didn't sell the product, you now called that a SCAM....LOL. Call the Attorney General and tell them that you didn't get paid for recruiting and they will tell you that is absolutely correct what PPLSI did. Had you sold a membership you would have gotten paid. IS there NO END TO PEOPLE'S LIES ABOUT THIS FANTASTIC COMPANY. Steve and I tried to give you all the truth and facts, but in the end we can't fix STUPID. PPLSI is an open book and that's why the SEC is investigating just like you file your taxes, the IRS can investigate. PPLSI is innocent until proven guilty....Until then you all should SHUT YOUR PIE HOLE. Sandra you are the one stealing money from people because they need this opportunity to help their family, protect their rights and against identity theft. Sandra, it is interesting that you never once mention anything about the membership. When you sign up as an associate it is to market memberships, not recruit. That is your choice. Their are people who don't recruit and they make alot of money. By the way since money is not important, why don't you give all that you make to other people. STUPID ASS. People can't exist without money and money don't exist without people. Tell the family who have no home to live in and no food, clothing and health care that they shouldn't want money. Sandra you want me to call the lawfirm to ask them to tell me what the definition of IGNORANT is. Once again you show your stupidity. First of all lawyers handle legal questions and give advice and defence. They are not school teachers. Might I suggest you go back to school and become educated on what is a SCAM/FRAUD and look in the dictionary yourself and see your beautiful lying self mugshot under SCAM/FRAUD/STUPID/IGNORANT/LIAR. It's a shame you are brainwashing your friends against PPLSI, but I know alot of them think you are really crazy and don't pay any attention to you. The one's that did..I feel sorry for them. You should start up a church Sandra and continue your brainwashing. By the way people stop drinking the kool aid Sandra is giving you all....It's called poison. She lies to make it seem real. Sandra you wouldn't know the TRUTH if it hit you on your ass.. SANDRA, LIAR, LIAR, LIAR, LIAR. Sandra, I don't know what is worse, your Stupidity or LYING self because you are acting out and displaying both.
People Vote now: 1) STUPIDITY 2) LIAR
Steve ... Sandy ... Ava ... breath ... really, it's going to be OK! :)
The "fact" is that A Mississippi jury in 2005 found both the company and its founding CEO, Harland Stonecipher, guilty of fraud and deceptive advertisin. This is based not on a disgruntled former sales reps ranting, but based on the company's own press release:
http://investor.shareholder.com/ppd/releasedetail.
Sandy, sorry you got burned.
Sandra, you don't have a clue what the FBI does. Where do you get this stuff from. LOL. You just trying to lie to back up your hate against a LEGITIMATE company that is being in business for 37 years. Seriously, Sandra... and others, what scam/fraud do you all know that is been in business for 37 years and keep growing. Why haven't all the thousand of lawyers and several attorney generals figure out what you have figured out that PPLSI is a SCAM/FRAUD, etc. Not to mention the government who monitors PPLSI with a fine teeth comb. They all have it wrong, but little old SANDRA is smarter than them everyone of them combined. WOW!!!Sandra, maybe you can reach the 1.5 million members who have this great service not to mention 400,000 associates who market the service both in USA and CANDA. You really need to shut this company down Sandra cause you know better than everyone that PPLSI is not legitimate. WOW!!!. People stop drinking Sandra's Kool AID. For real!!!
Lady GUIN.....PPLSI commissions are based on the same way Insurance Brokers/Agents are paid. It is called Advance Commissiions. If a member cancels their service before 12 mths, the company already gave you 12 months commisions that you didnt earn therefore they will naturally want a portion of it back. eg. your commission is $207, member cancels after 6 months, PPLSI will want back half (6mths)that they didn't get paid by the member. They take it back on future earnings. You know like if you write a book, they advance you money based on projections....you don't sell the required books, guess what, you got to pay that money back.....VERY SIMPLE, but ignorant/uneducated people misunderstand and then start telling lies.
BDazzled....You posted the article....GREAT, but you stated that PPL is GUILTY. The article never said anything about Guilty, it said that a verdict was rendered. And it was alleged fraud/misrepresentation, etc... Read it again. You see, I am privy to full court filings and the individuals misunderstood, like Sandra did so the court awarded them $3,000 each. You see the PPLSI have strict rules and unfortunately some sales associate may inadertently give wrong information about our products and as a result PPLSI is in jeopardy and have to face the consequences, albeit in court. It in no way proves Fraud. If this was so, you would have several millions of people who have this service and combined with being associates would have alot more court judgement aganst PPLSI. You see bad people exist everywhere and some of their actions make companies and other people look bad. PPLSI and Mr. Harland Stonecipher and his wife Shirley are great people. They are christian people and have built this company on credibility. I can say that because I have met them in person and have visited the corporate office several times. Any associates who misrepresent PPLSI and they find out, that associate is terminated immediately. We are warned everyday to follow the strict rules of the company, but some people don't and sometimes their actions don't put the company in a positive light, but it is FAR STRETCH to say PPLSI is a Fraud/Scam.
@psychicdog. I love it! :)
@Steve, thanks for more ignorance, you must have some sort of affiliation with Ava. I can see that you are dumber than Ava. Please come back after you have thoroughly read...which I don't think you know how to do, because you look just as ignorant as your comments suggest.
Have a great day. Oh and let me guess, I bet you are one of those people who lies to their wife about smoking too. Try acupuncture, I hear it works wonders for upping your ability to lie well. Keep telling yourself that what you are doing is not a lie and maybe it will come true for you.
Have a great day. :D
BDazzled, Sandra didn't get burned cause she didn't have a match and is pretending she lit the fire. SANDRA was too Stupid to understand that you can't get paid for not selling the product....This is kindergarten understanding, but she still don't get it....We can't fix STUPID!!!!
Sandra, the only truth you spoke is to advise Steve to try acupuncture because it increases the ability to lie....NOW Everyone on this board know that is what you've been doing, LYING...You just got busted....LIAR, LIAR....Now we all know how you do it. Great Advice from one who knows...LIAR. As per EXPERT SANDRA RINC: "Acupuncture use increases your ability to lie"......How often do you do your Acupuncture Sandra?....My guess based on your current lies about PPLSI is 24/7.....LOL
@BDaz. Thanks for the link. Thought I would also add the Mr. Harold Stonecipher is still in business.
Harland Stonecipher (postmaster7@gopre-paidlegal.net)
This was from an email I received just recently. :)
@ Ava, with every comment you leave, it is not only obvious that you are somehow affiliated with the company but that you also somehow believe that just because a person is a Christian they couldn't do any wrong.
If the company was not doing anything wrong then why are you hear firing off nauseating statements and persisting that everything is a lie? Take your issues up with the associated press, Tulsa News, Oklahoma News, Fraud Discovery Institute, FBI, and the SEC.
Further, what judge awards monies back to the plaintiffs if the defendant was not found guilty?
Ava, Ava, Ava... must you purists. All you're doing is making yourself sound more guilty and desperate. These people are not stupid and are well informed and educated people capable of making an informed decision and perfectly capable of reading between the lines.
You have no integrity, class or dignity and you have quite proficiently disrespected my readers and have shown them the true nature of pplsi.
Thank you for your comments. I believe no further dialog with you is necessary.
Have a wonderful life.
With love,
Sandra Rinck
AVA SINCE CAPS IS ALL YOU CAN SPIT OUT WHY DON'T YOU TAKE A COLD SHOWER, BREATH AND READ WHAT IS POSTED. I did not use mt caps to signify yelling, because in the internet world it is seen as tat. Instead I just used them in the way that AVA seems to only understand. I will notm however, stoop to her childish display she is showing us.
Sandra, you must have hit a sore spot with these people to get such a rise from them. Good for you!
Sandra is not pointing out how good the comapny is to members, just how shady their Associate Program is and how ludicrise (p) the commisions run. It has been my experience that Sandra did in fact get paid when I signed up--so the thought that it runs like insurance agents is incurrect. Now being said that the commisions are stated in their policies as a "LOAN" it is at their descretion to when , if and why they would take back that commission that you supposedly earned. Indian Givers don't really work in this financial world.
Ava ... don't know the people, not interested in the service ... my brother and his wife are both attorneys and all their friends are attorneys don't need it, don't really care, got more access to "inside information" than I would ever want or need ... I do know that Sandra is not a stupid person, and that the whole point of professional experts like lawyers is to help people who don't understand ...
my "found guilty" comment is based on the following line:
" a jury returned a verdict.. in favor of four individual plaintiffs "
When a jury returns a verdict in favor of a plantiff, it means that it finds against the defendant. The word "alleged" does not negate that jury verdict. The jury verdict, instead, indicated that the allegations were true. The the jury found that the company was "guilty". I stand by my defintion.
To address your comments: "I am privy to full court filings and the individuals misunderstood, ..." and "Mr. Harland Stonecipher and his wife Shirley are great people. They are christian people and have built this company on credibility. I can say that because I have met them in person..."
Believe me, I understand when someone has a need to defend their friends, I do it all the time and I don't care how stupid it makes me look.
It does seem that you are a PPLSI "insder" trying to defend your friends and perhaps protect your own position. I say that not to criticize you, but to suggest that you may be doing your friends more harm than good with your agressive comments.
WOW! LOL Sandra, you got a live one!! Another red flag on MLM...the cult like following....scary isn't it?
Indian Giver! lol.
Yes, they use the term "advance" to manipulate the associates into thinking that "advance" means monies paid before an actual sale.
Reading further, the term "advance" is used in conjunction with all advances are paid when sales are made. Thus concluding that the term "advance" is to mean forwarded. It also states that 'all advances" are 'loans' and the associate is liable for all advances to be paid back to the company in form of a create debit account which must be paid back in full at anytime the company request it.
lol, I know CJ. I didn't expect this but Debbie must be right. I hit a sore spot with them. One sore enough to bring out the top dogs. lol.
Yeah, a little creepy but creepy ha, ha. :)
LOL
Well - you can't fix STUPID!!!
Nice one. :)
Ha Ha - sorry that you were burned Sandra, but Ava and Steve's comments are pure comedy.
The greatest service that they could perform for humanity is to remove themselves from the genepool :D
Way to go Ava!! Bravo, so eloquently spoken I almost peed myself. It is a pyramid scheme and I was told that I would get commission for every associate I signed up.
And please tell me what company gets investigated with SEC by subpoena? Open your eyes lady. And you are right I didn't mention the memberships because the service isn't the focus of this article. The focus of the article is in their illegal marketing practices, fraudulent recruitment schemes, money laundering, and their stock re-purchasing practices.
For anyone to knowingly participate in a company that is manipulating their market and participating in illegal activity is a criminal not only in my eyes, god's eyes, but the governments eyes as well.
Ouch Sufi! lol
lol Mark, she said "we can't fix STUPID!!!" I thought clarification was appropriate because she/he is affiliated with this company.
It never takes long before these types flub up. :D
I would have called them dumbasses, but that wouldn't be very adult of me :)
Hey Sandy, as long as you're looking at links:
http://www.pyramidschemealert.org/PSAMain/resource
I think this presents a pretty clear picture of the company by a leading expert in ponzi and pyramid schemes.
Clearly there is research to support your position.
I hope you make lots and lots and lots of money on this hub, Sandra :)
BDaz, I think I want to cry. I was reading the link you left and what it says about what it does to the "believers" in the company is without a doubt the same thing that happened to the person I signed up through.
He will not listen to reason, he is neglecting his job, he is even calling people that I told about this and telling them that I am a liar, I don't know what I am talking about and practically begging them to stay with him.
Further, I appreciate this link very much because it stands to back my personal investigation into this company. I don't even know what to do about this person but let him find out for himself.
The situation makes my stomach turn because he is continuing to manipulate people "believing" that what he is doing is legitimate and not fully understanding the consequences of being associated with this company.
It's a numbing link to read what I have witnessed firsthand and confirm my suspicions and validate what my eyes didn't want to believe about this particular investor.
What money will do to a person...Hopefully in short time (before this company takes him for all he has) the U.S will also ban MLM practices like they did in China and Sri Lanka.
You are an awesome friend to have BDaz! Hugs.
Thanks Sandy, Big Hugs back!
Wow... Pre-Paid was probably one of the first Multie Level Market companies that I joined back in 1994. I think it was new back then, but I was 21 at the time so I wanted to see income a lot faster with less work... I didn't do mucgh with the company but I know they have been around for quite some time. I am suprised you were treated the way you were. I haven't dealt with them since then. I guess they are trying to show they are still a great company when they really aren't. I am glad you put a hub out alerting us to what they have become.
Thanks
yip mroricle, it's to be expected when a mlm company isn't actually selling any product or service (per say) but making money off it's "associates" which are actually investors.
In short, they are selling "sales people" and only .07% of investors are actually able to make money. Consequently, at this point in time they reached a point in which All MLM companies fail at an alarming rate.
Recently, PPL issued reduced rate to all new associates to try and make up for the "never seen before cancellation rate" of "associates" which can not statistically according to any model sustain itself.
At the end of there game, ultimately only about 7 of the top dogs will evade the financially crushing results and about 99% (apx. don't quote me on that % but it's high like that) of it's investors (sales people) will carry the financial burden of the companies practices.
Yep. And unfortunately there are plenty of people willing to promote anything for a buck even if they know little about it. That speaks to the greed of people. Okay to screw someone else as long as you make money right? Wrong.
Karma is a universal principal that over time will catch up to these people.
It's a really sad way to live ones life. These people are very empty inside. They surround themselves with stuff but experience no joy in life.
The pursuit of wealth at the expense of people will lead you to a place you don't want to be.
I totally agree with you Mike. :D
Sandra ~ I know your hub was about PPL's treatment of associates, but, from a different perspective, my own corporation paid for PPL for two full years in the mid 1990's...I believe it was about $9.95/month. I was led to believe that PPL would handle just about any legal difficulty my corporation might encounter.
After paying for two years, I was involved in a contract dispute (which I consider fairly mundane ~ I went to law school myself, tho' never practiced and contract law was the Very First course in the curriculum)...But, when I called PPL for assistance, they told me they didn't "handle that type of case".
Being utterly aghast, I restated my issue, and was given the same answer. I asked them exactly what they Did handle, and the response was so laughable, I requested that I be transferred to accounting/billing, so that I might immediately cancel my membership.
I had heard many, many years ago, that a friend of mine on the East Coast did quite well financially with this company as a sales associate. I liked and respected him, and knew he would not be involved with something that was considered a "scam/fraud"...but, that was many, many years ago. It appears from your experience/hub report that the company has changed it's "demeanor" drastically.
As to Ava/Steve...I agree with you and Debbie...It's typical for one to defend "loudly" that which you know is questionable about one's own actions...Hmmm...
BTW, thank you for your Hub...I actually signed up for HubPages after reading this article.
See you in the funnies! Joanne
So far I have had to get informaion from the Company and write them an e-mail requesting cancellation. I had to e-mail the contact information to the bank and the cancellation letter. I don't know if this will come out correct Sandra, but here is the contact information. I cannot c &P the page. It will not allow me too. This is from my account information. Check out the CHARGEBACK RATE!!!
Associate Number: 123721284
Member Number: 0
IDT Membership Number: 70033128235
Associate Contact Information:
DEBRA K ALLEN
Effective Date: 9/27/2009
Level: 1
Qualifications
CDLP :Not Qualified
Executive Director: Not Qualified
Small Business: Not Qualified
Group: Not Qualified
Membership Advantage Services: Yes
eService: Yes
Director Breakaway Bonus: No
50% Chargeback: Yes
PPL Benefits Association: No
Active Upline:
SANDRA L RINCK
Active Director:
KENDALL A VALENZUELA
Email:
seanv@dyk.com
Phone: 858-842-2388
Executive Director:
JOSEPH VALENZUELA
Email:
jvalen01@gmail.com
Phone: 858-752-8935
Active Platinum:
TODD CAHILL
Email:
tcprepaidlegal@yahoo.com
Phone: N/A
Regional Manager:
BEVERLY STUMP
Email:
bevstump@suddenlink.net
Phone: N/A
Regional Vice President:
DARIN & CHERYL KIDD
Email:
darinkidd@mac.com
Phone: 434-546-1733
Group VP:
DEBBIE DOTSON
Email:
debbiedotson@suddenlink.net
Phone: 304-275-7081
*This program began on 1/20/09 (inception). If you became an Associate AFTER that date, your inception date will be the same as the effective date of your Associate Agreement.
--------------------------------------------------------------------------------
Commissions
Cash Accrued United States: $0.0
Cash Accrued Canada: $0.0
Last Three Commissions
NO COMMISSIONS FOUND
Monthly Commission Totals
NO COMMISSIONS FOUND
Year to Date Commission Totals
NO DATA FOUND
Reserve Balance
NO DATA FOUND
Tax Info
Your account does not have any tax information available.
Tax Reporting
Licenses
NO LICENSE INFORMATION FOUND
Servicing Agent Report
NO GROUP CONSERVATION INFORMATION FOUND
Conservation Group Report
NO GROUP CONSERVATION INFORMATION FOUND
Online Conservation Form
You can submit Conservation Forms online. Fill in the requested information fields. Once complete, the form is then sent by email to Group Marketing.
--------------------------------------------------------------------------------
Fly You There Miles
Year to date earned: 0
Year to date redeemed: 0
Inception to date earned: 0
Inception to date redeemed: 0
Inception to date expired: 0
Available: 0
Bonus Bucks
Earned Bonus Bucks inception to date: 0.00
Accrued Bonus Bucks redeemable: 0.00
Redeemed Bonus Bucks year to date: 0.00
Sorry to hear this. I would just consider it a learning curve.
BDazz. Can you please send me the information on that court case. My bank needs some proof of the legitimacy of those claims so that I can get my money back. I need is ASAP!
send it to my Hotmail account if you can. I think you have it. I need to forward it to the contact at the bank.
Thanks
Hi Debbie, The links that BDaz left are on the page.
http://investor.shareholder.com/ppd/releasedetail.
Oh, I know. It was one of the first things I asked. "What is a chargeback?" I also kept all the emails I have sent to the company and all the people in my line.
I should add the email to the list of proofs.
Sandra that site comes back as page not found.
great hubs
Hi, Sandra. When I used to work as a retail manager, I had someone a couple of years ago try to get me into Pre-Paid Legal. I checked the Ripoff Report, and decided to forget it. I tend to check here for a lot of businesses I'm not sure about. Always some false positives, but usually can tell whether suspicions are valid.
Here is a link for a search for pre-paid legal.
http://ripoffreport.com/Search/prepaid-legal.aspx
Leave out the hyphen and there are another 63 results in addition to the 75 here. I didn't read them to see if any overlaps, but it's a pretty good indicator of something fishy about this company.
Sorry you were scammed.
Thanks Jeffery. I appreciate the link. :D
Wow I almost did this a few years ago. I'm so glad I didn't. Sorry you had to go through it but it's awesome that you're letting people know about it so they don't make the same mistake.
They say that everything happens for a reason ;) Glad you didn't fall for it.
SYLK2B
That totally sucks. The more in depth I read about the company the more deception I uncovered. PPLSI only has 1 law firm contracted with them per state in total 48 law firms.
They also over represent their claim that you get unlimited access to a lawyer when in actually the lawyers are not paid on a salary basis, they are actually only paid on something similar to a pro-bono lawyer.
Also, they actually don't cover most normally needed lawyer needs such as divorce, child custody, criminal prosecution etc...
Glad you signed up with hupages though, wish I would have had a link here too to sign up, darn! lol
Okay, see you in the funnies!
Sandra gave me the correct one in my e-mail and I sent it right to the bank. They have to give the company 10 days to refund me. We shall see how they handle this, but they have been very helpful so far.
LOL Sandy, you are doing great! I bet the training you got on religious forums helps ;)
Now that the SEC are involved Pre-Paid Legal is toast. The only time you'll see their name now is in newspaper headlines for fraud. I hope you didn't lose much money Sandra.
I have been a PPL member for several years and have never had the problems you have experienced in such a short amount of time. Corporate offices have always been receptive and if they couldn't answer a question immediately, they would call me back within 24 hours. I have started and stopped the website service many times. If you had received any documents upon signup, as you should have, and read through them, as you should have, you would know how to cancel all your services. No excuses are acceptable from anyone in or out of the company for the lack of understanding of an associate or a customer. My point is not to apologize for your experience or to defend my decision to stay with PPL. It is to let others know that mistakes occur and I refuse to have anyone sign up for a service without going through the agreement. I would rather not have the commission than have an unhappy customer or associate. Your sponser should have been much more responsive and if he (or she) couldn't answer your questions, your should have been referred to the upline. Because of your negative experience (and the publicity it has received, and the lack of response from your sponser, many people now have a poor opinion of PPL and that's a shame!
Hi Nannydiner, I never received the packet they were supposed to send. But please enjoy the email they sent me after requesting to cancel being an associate and to cancel my membership.
Great Hub! We need more citizen journalists like you. You need to get a job with the MSM!
Habee, thanks! Now that would be an awesome job. :D
Wow, and I almost signed up when I saw your link a few weeks ago. Decided against it since I found a home based business. I'm sorry that happened to you. I got scammed by someone who made me sign up for clickbank and then I was suppose to see money within 24 hrs. I went through all of the setup until the last page and realized that they wanted me to spend another $40 to set up their website. I realized after that, that the links at the top didn't work. Stupid me :(
I am so thankful you didn't! But lesson learned, plus I get to experience first hand what CJ Write said was creepy. And it is.
I am aghast with the way they are handling things too. It would have just been easier if I could have gotten in touch with someone and if they would have just honored my request.
I think it is a hard realization but a good one nonetheless. :)
well u know i had someone come to my house and offered this same thing u are talking about im glad i didn't do it and i never will
I had that feeling when I was looking at their site. Later, my Plaxo account became totally spammed with requests for Prepaid Legal members to join my account.
No kidding? What is a Plaxo?
Thanks for the consumer warning with this company. It's always helpful to find truthful reviews.
Sandra, I wrote and e-mail to all those above. I got an e-mail back and Ms. Dotson told me to call customer service, so I did. When I called Customer SErvice they e-mailed me a waiver to cancel my *membership* but not my Associates Account. I am sending my signed waiver to cancel my membership return receipt requested tomorrow. ....and the saga continues!
Hi LG, love your new pic! I called them as well and got the waiver through customer support but am also unable to cancel my associate membership too. They gave me the same busy number that I have been trying for the last 2-3 weeks now.
I sent mine via email so I will call again tomorrow to make sure they got it. Thanks for you help.
And the saga continues! lol
Sandra, Lady G, etc
I won't even give any response to your multiple jabs of stupid replies as I consider them. No, we are not the same person BTW. That was rich. Here is something I hope your loyal readers see and maybe understand about you and the way you will manipulate a situation for your own good if it will easily put money in your pocket instead of actually working at it as you would of with PPL. I see on another page that you (Sandra) are ranting about how much of a wonderful thing Blastoff is going to be. Did you mention their major partner in this launch is PPL? Did you mention how you will get paid when these readers of yours accept your invitation and join and shop, up to 10 levels deep away? Didn't think so. Make your accusations, call me what you will, but I deal in facts, not speculation and such, but keep being sheep and take in what you are being fed here or go out and see both sides of the story instead of my opinion or the speculation that most people are putting out here. This isn't a personal attack, but there are people who know nothing about this business except what they are told here, by people who could not succeed in it, and taking that as gospel. If the only thing I was looking for was negative angles, I could find them on any company. Come to the table with an open mind, research both negative and positive and then come back and post. At least that way I can respect your opinion, even when I don't agree with it, although most people here seem to treat others like this is a school yard with name calling and just slander toward people you don't know. Curious if everyone would act the same if you sat across the table from the same people and had these discussions. Safety of your computer makes you a little braver I guess. Just my opinion.
hey sandra what i think is ur lucky,coz i had lost most of my scholarship money for my med school and never returned .since then i have never ever talked to people who are fishy for a moment even.
hey sandra what i think is ur lucky,coz i had lost most of my scholarship money for my med school and never returned .since then i have never ever talked to people who are fishy for a moment even.
------------>from me ....i agree also
I had a Prepaid Legal rep calling me several years ago trying to get me to join. I just decided I wasn't interested in that kind of business. I sensed that it was "to good to be true", you know, like Amway. Sorry you go caught up in it.
Thanks donotfear. It sucks but at least I know better now.
Steve, since I am mentioned here alos I am going to respond to your rant. Why does it upset you so that a few of us do nto have any interest in your company after reading what it states, very clearly, in your policy. Isn't it just fine tolet a few drop put and have nothing to do with you or your company. Why is that a problem for your kind? It seems like you are shoving your company down our thraots just because we want to leave it. It isn't as if we worked for months or years and then want out. NO we got inn and want out within the first month. Why is that so difficult for you to realize that we changed our minds?
Prove to us that what your company does is true. Show us your paychecks and the charge backs they did to your banking. Show us your income versus what they take back at anytime they want.
Hi LG, I was wondering if you read the update at the bottom of the hub?
I can't believe you're all pissing away time on this. ZGo write some more hubs!
Obviously, there are "catches" and "drawbacks" to say the least!
As long as someone is getting some type of money from that company they are going to defend it.
Simple.
Maybe you get to the point with that company where there is more bread than sh*t in the sh8t sandwich?
Happy Trails to those of you who left and bon appetit to those who didn't. Now get back to writing actual hubs, people!
Sandra, I just read it.
wsp2469---this is what writing hubs is all about. Sorry if you don't like the content. It's OK if you go on and write your own hubs. We won't complain.
Lady G,
I don't have to prove anything, you have everything documented in the paperwork you received as an Associate. If you read it, as you say you did, you would see how we get paid, it's not all that complicated. I'm now at Director level, you do the math. I'm also certified for business and Group sales, so I think you may have an idea of what I make, so feel free to tell everyone. No one is shoving it down your throat as you state, I don't even want to convince you it's a good thing for you, as for some it's not, but the constant bashing of a company or anything when you truly do not understand it, is well, wrong. If you got it and tried longer than a month as you say (Did you do a PBR, go to any meetings?) and then said it wasn't for you, I could understand it, but such a short time and then telling people who have seen none of this themselves to run for the hills because you failed to grasp something is silly. If you got charge backs, it is because you did not actually make sure the person you were selling to understood. I have walked away from potential clients, rather than make a quick buck just so they could cancel later. This program is simple and easy and great protection for those that can not hire an attorney or afford their rates, but you either get it or you don't, and for you, we see where you fall. I really do not mean to sound like I'm bashing you, put you did make the silly comment of me and Ava I believe being the same person, so it is what it is. You poke others, sometimes they poke back. I'm very sorry it didn't work with for you, but when you work the business and try and understand it, it clearly works. You can call it what you like, a scam or whatever, but with it 37 years of existence, multiple states Attorneys General's sitting on the company's board, and being a member of NYSE, I'll take their opinion over yours at this time.
Wow Steve, what rhetoric. Read the bottom of this hubs message she just posted and you will see.
I didn't get into it because I don't have the time.......so it really surprises me that you like to attack others for wanting to get out. I WANT OUT AND SO DOES SANDRA. Give us our money back if you are so high up in the company.
Sometimes truth hurts doesn't it. Yes we have the documentation. Yes we have the articles of what your company has done in the last years. They are all documented. They are all here for all to see.
Housewife, no time, but you have time to post here? Just think if you where working your business, in Pre-paid or Mary-Kay as you touted as being a good company, you would be getting paid right now instead of babbling back and forth with me. As for "high up in the company", that statement alone truly shows how much effort you put in or you would know where a Director level is and what that means in the sales force. Amazing, but good luck to you in whatever you do, no need to keep bickering, lets just agree to disagree.
A housewife is all that you see. I do much, much more than that my dear sir. I may not get paid in MONEY but I do get paid in many other ways. Just because I don't like you company is no reason to snide me like that. How do you knw that writing is not bringing me income enough. You assume way too much.
Steve, why do you even come back? If you really believe the information here is not true then don't let it bother you. Just go back to doing what you do and let it be.
Further, there is no need to keep picking on LG, she is entitled to the way she feels about things the same as you. So, this article will see maybe 25000 readers this month given my stats for the first week.
This will hardly put a dent in your business, unless of course, you are fearful that word of mouth travels much farther and faster than on page on the internet alone.
There is nothing wrong with being a housewife. If anything housewives and mothers should be paid more than anyone in the world. Fortunately we get paid with a whole lot more than money.
It's something called love, honor, and respect. Worth much, much more than money can buy.
Hey Sandy, is it just me, or does it seem like all the true believers in PPLSI have the same cut and paste message, "You screwed up, because you didn't read the fine print. There's no excuse for you you're just stupid". Themes and varations on that same idea. Wow, sure sounds like a group I want to be a part of .... NOT!
Lady G,
I beg to differ. This is just arguing in the comment section of a hub. I'm afraid you are banging your head against a brickwall. These people are never going to be convinced. Anyway, just trying to help. I'm sure someone on these pages has written a hub about medication when this all give you a headache. Whatever . . . to each his own; I guess.
Hi BDaz! It seems so. At the moment though I am loving it, it really gives the hub great appeal especially when the comments coincide with the observations made by Mr. Fitzpatrick made which oddly enough...no which, really doesn't surprise me to see what the power of brainwashing can do to these people.
Religious and politically infused entities are an extremely dangerous combination.
Definitely NOT a group I want to be apart of.
I joined pre-paid legal nearly two years ago at 49.99. I still have the associates agreement because they don't keep charging for it but it is definitely not something to be taken lightly. Most of the salespeople for prepaid treat it like everyone can do it and that is absolutely not true. I have only made like 42.00 with the company in two years. I'm not a good salesman. Now the friend who signed me up I grew up with and he does it as a full time job and lives in a nice house and drives a Spyder. But, as I said its a business and requires full time effort to make money not part time like they advertise. Did you try to cancel the membership or the associates agreement?
Joshua, we have tried both and all I have managed to do is cancel my membership. My bank is working with me though on this and is trying to get my money back. I cannot speak for Sandra becasue I am not sure how her situation with her bank is going,
Great information.
Hi Joshua, I have only been able to cancel my membership but not the associates membership. I still cannot get through. I did make money in the first three days, nothing to brag about really. $50.00. It's something I know I would have done well in.
The problems with the company started when I started asking too many questions and when I wasn't getting answers, responses to my emails etc... I had to look into things myself.
Having the associates membership is a problem for me because I signed up for the e-service and it will be deducted from my account, which is actually my boyfriends account and I can't get in touch with anyone to make this happen.
Also, it's not that I doubt people can make money. Surely this is not the problem. It's what the associates believe the money is and what the company does and what many (not all I am sure) associates do to get people to join them.
Plus it really didn't help to know that the company is misleading in a number of ways about what their company is actually worth, how much their stocks are actually worth and my favorite.
The site says they have 1 million memberships. And further uses this to attract people into becoming associates because the new recruit believes that there is a huge market for them to sell to.
When in reality, something like 87% of American's have already had and canceled their memberships. So while there is 1 million memberships and 3 million people to potentially sell too, in reality their market is guesstimated at maybe 200,000 people.
So, when looking at the reality of the company, all MLM companies will collapse and for PPL, that collapse should be very soon and are using new associates as their primary source of income, who are actually stock investors, to manipulate share prices and suck money out of their associates who really don't know that the money they are "earning" is money that has to be repaid.
And it really does not help the company for people to know about their dirty marketing practices and false promises and of course SEC (subpoena) investigations, several accounts of fraud and a very dissatisfied group of people who talk.
Sandra, you rock!
You to Debbie!
Lady G and Sandra,
Just so you know, this comment was made by Lady G, "Lessons learned, at least for me, be happy with being a Housewife." was your comment, that I was I mentioned it. Being a housewife IS a job and is not easy when you are raising kids, etc. and taking care of a home. I did not intend to nor would I knock you for it. The other stuff I still choose to disagree with you, but those are our opinions. Have a great day!
Well Steve, my kids are all grown and out of the house. That doesn't mean that I just sit around eating bon-bons now that they are all raised and gone. I edit the neighborhood newsletter for a community of 300 and I am also involved in setting up the Neighborhood Watch and work with the Police Department and the Board of Director's. So those things along with being my husband's executive secretary, maid, nurse and wife keep me pretty busy. I only want to make a bit of money to help with the finances we are currently having a difficult time with. I truly do NOT have the time to put all my effort (or whatever is left over) into doing a full-time business.
So as such I feel that the company should let me go when I say I do not want to do that and get my money back. I still cannot comprehend why they would put people through such hoops to get out of something they mistakenly got into in the first place. ...and then have people like you and Ava come down hard on those of us like the way that you started out. That is rude and I don't know how that is supposed to make a good impression on anyone who would ever consider getting involved in your company ever.
Then when I found out that the money that I would make in commissions would be considered a "LOAN" and tht they could take it out of my account whenever they wanted to---well that is just WRONG. I don't have time to play those kinds of games. I also don't have kind of money to play those games either.
I had charge backs and they don't take anything from your account they just withhold it from earnings. Which makes since because prepaid is a customer service business not as much a sales business. I'm not trying to convince you of anything just stating facts. Sounds to me you we're sold the associates by a deceptive salesperson. Probably someone involved in many of these Amway style businesses. (ps. this is Joshua Frost by the way i just have a real account now lol)by the way where do you get ur numbers sandra (just curious so I can read facts)
neocorat, Uh that is the way it is written in the policy for the Associates. I posted what Sandra found in lke number 13- 14 of the back of the agreement.
Hi again neocobra. So what do you suppose happens if you didn't make any money and you get a charge back? Just some food for thought.
The stats on the last comment are apx. but you can read the many links left for the exact quotes and stats. But yes, I do think you are right, I was sold by deceptive sales people but I still wont deny that the dvd's and stuff say that you get paid for signing up new associates which steve and ava are saying is not true yet it is true. Just the facts.
Do I hate prepaid legal. I hardly hate anything at all though deception, lying, being misleading, manipulation etc... these things I do hate when they effect real human lives in a way that can do more harm then good to real people.
Read the Portrait of a Pyramid in Collapse. And yes LG is right, #13-14 of the associates agreement.
sandra rinck says:
26 minutes ago
Hi again neocobra. So what do you suppose happens if you didn't make any money and you get a charge back? Just some food for thought.
I really don't know what this comment is referring to. I did say in my earlier comment that I have cumulatively collected only 40 dollars since I signed on and have a line of 47. But just like any other business, being in the red is bad and in the black is good. If you sign people up and keep them on the books u make money. I am a bad salesperson and I don't make money. It takes a lot of work to be a good salesperson. Robert Kiyosaki says in his book he work at sales for Xerox as a full time job and was the worst on his team. Now he's a multi-millionaire. Its just another job. No one starts at the top. Look at me, im still on the bottom lol.
Okay last laugh. I know you don't realize that what you are saying only justifies what the reports say. I know you don't know it yet because you haven't read the reports but if you had you probably wouldn't keep responding.
Being in a line of 47, you must be at the very bottom... anyone who reads your comments after reading the reports can only laugh and be slightly mortified about how astonishingly accurate Mr. Fitzpatrick is in his reports.
I wish you the best.
Sandra, I've been meaning to write a Hub not just on PPL but on what I feel are three similar but different services incl PPL.
I have a membership, not as an associate, and used it extensively during this past year. I had numerous conversations with a very helpful atty on several different occasions on the phone and never had to retain anyone.
We also did a family trust through a PPL affiliated attorney a few years ago.
My experience in using the membership has been positive.
Hi Don, I have read and heard several mixed reaction to having the membership. Some good some bad. With regards to the service, I haven't much to say. I hope it is noted that the hub is not really about the service of getting advice from an attorney but the associates, stocks etc... those things.
I am glad you have had a positive experience! I wish the same was true for a number of others as well. You win some you lose some.
Thanks for you comment. :D
Hi. I don't think you understood my question earlier. For some less talented writers such as myself its difficult to express emotion through the keyboard. I really just didn't understand. I wasn't being a jerk or anything. I'm on your side. I don't like prepaid much either. I haven't made a dime in 2 years so I don't understand why you flipped out on me. I was supporting you. Please accept my apologies for anything I said that might have offended you. I was just discussing.
Oh, I am sorry. I didn't mean to come off sounding harsh. I didn't think you were being a jerk. If I thought you were being a jerk... you would definitely know. :D
Sorry about the misunderstanding. No hard feelings and no need to apologize, all is well. :D
Good. Your in my favorites. I'm sorry if I sound like im support pre paid legal so much. I'm really not I just love statistics and I didn't really feel anyone was fighting for the other side. People turned a discussion into a bash lol. Definitely no hard feelings though I Love your posts.
good info on that topic i always wanted to join but i heard you had to go to meetings ect an it took up a lot of time but great article thanks for the post
ELIA
Unfortunately and apparently this type of activity is still going on. When I was a young associate attorney in a law firm I was informed by some of my colleagues that they would double bill hours for all of their pre-paid legal clients since they would be offering discounted rates. So, people should always remember the maxim, "buyer be aware" or even the saying, "you get what you pay for". It is a shame that this continues since it only hurts everyone in the legal profession including me - a person who would never rip someone off.
Funny, I have 2 applications in my bag waiting for me to get to. A friend at work gave them to me, and it seemed like a good idea. After all, I have seen her call several times regarding all types legal matters, and she always gets what the program promises. Free letters from a lawyer and immigration advice, etc.
The only thing that was holding me back, was the shady way they recruit. It always seemed kind of suspicious to me.
Good read, I think I will go about retaining my own lawyer.
@elia, you're welcome. :D
@Joshua, I left you some fan mail.
@Jusluvtowrite, totally glad you would never rip someone off! I have a few lawyer friends and I believe their all good people. One is a district attorney, another is a tax lawyer, another who is a family lawyer and one who should be graduating law school this May in Fullerton (OC). Knowing what they put into their education and all the hours they spent learning is deserving of the pay but it is not cool to double charge someone because they get a discount.
It sucks to know that someone is always trying to get ahead by taking advantage of other people. I thought it seemed to good to be true which brings me to the next quote.
"If it seems to good to be true, it probably is." Thanks for you comment, I really appreciate your input. :D
@ Phil, prolly a good idea.
Sandra,
Surely you must see your experience as a cheap lesson, and a good lesson for others also.Best to beware - we never really learn much on the way through!
Sandra,
I'm sorry for your bad experience. Thanks for your upbeat spirit in dealing with the fallout. :)
I love to write funny fiction--but I can't compete with Steve and Ava when it comes to comedy.
This actually may be the best answer to the question I have posted about the positive mental attitude taught by MLM's. :)
I am so sorry this happened to you, Debbie! I have been in PPL for years, utilizing their services, which have always been at the utmost in professionalism! I live in Maine and the attorneys associated in PPL are excellent and I have used them consistently on many issues while I have lived here in Maine for the last 7 years.
To cancel ANY kind of committment into a company--no matter if you are just purchasing the product or as a business builder/independent associate --you MUST CANCEL IN WRITING!
I have cancelled these kinds of things successfully in the past, ONLY WHEN IT IS IN WRITING! Because then it is a legal document and they have to abide by it. There is a cut off date each month, depending upon your renewal date and/or payment date that it is automatically taken out of your account. So this date varies from person to person depending upon when you signed up.
At one time in this past 7 years, I did cancel my membership for almost a year, and I did it in writing, mailed it away and it was successfully cancelled.
It is a shame if these investigations are true--the service I have experienced with PPL attorneys has been excellent! It is worth the 16.00 a month I pay for that service!
@ Geof, true indeed.
@ Lowell, touche'. :)
@ Paulette, it's not the membership that is hard to cancel, Debbie and I were successful with that, it the associates membership, e-service etc. that we can't cancel.
Wow, those are some pretty serious claims. It sounds like you did your homework though.
Sandra, Glad to see you come up with this hub! Your honesty in dealing with your friends and admitting your mistake is typical of you I feel, and one of the reasons you are much loved. :)
Thanks Earnest. :)
Hi First I wanted to say Thankyou for the info on PPL. I have been in direct sales for years. I am seriously thinking about selling with the company. You know in life everything that has to do with making money is a form off ripe off in one way or another. It is a fact that you could say buying a new car is a ripe off as soon as you drive it off the lot the value off that car just dropped. You know that goes for just about anything we do in this life that has to do with money. Look at insurance companies... Look at the cost off what hostipals charge... The world we live in is full off ripe offs. I know that their is a postive side to PRE PAID LEGAL....I plan on doing this business full time.. It is like anything in this life you get out off what you put in it.And the saying goes YOU always find what you are looking for. If you think something is a ripe off you will not stop untill you prove it is OR on the other hand if you think that it is not you will prove that..
Christene, NO it is not always that way. Some of us put alot of effort into a business and get nothing out of it.
So you are saying that just because you feel this is life you are going to join the many millions of rip-offs just because. We I will know who to watch out for next time.
Where is the ethics and morals in all this?
I saw this hub at a really good time, thanks for posting it.
I got a random phone call from them today, trying to recruit me. I was considering it. It's a really good thing I saw this.
Thankfully you chose to do some research before you decided. Glad I could give you some information to help you make an informed decision.
Sandra
Hi Debbie, that person didn't comment with any intention of looking for information as he/she had stated in other words. Though I thought the analogy was clever. lol, clever but not clever enough.
I got an email today too, they changed their numbers! lol
thx for the insight and advice
good hubbing
thanks for this hub
Nick, You are so mislead! You are automatically set up n Blastoff. There is no choice in that. DUH!
Yes christene agress with NICK I am going to sign up today with Pre Paid Legal!!!!!!!
Sorry Debbie, I had to delete his comment for spam content. I guess people these days would rather have "blind faith" in something then be well informed.
I don't think any of them looked up took the time to read the information listed in the hub otherwise they wouldn't be saying all those nasty things.
I think they are just POed because the truth hurts. That or they just don't know how to read. Yet the real question is still a moral and ethical one.
How funny the mind is when desperate to make a buck that they just have to keep telling themselves that everyone else lies even with over 2 million sites, pages, links etc. of professionals, ex-participants, news, and pdf files, investigative reporting etc. that say, yes PPL is a fraud.
Also, these people are coming here through someone else. This hub doesn't show up (at least it doesn't for me) when you try to google it. ;)
Hmm intersting Sandra about who is coming here. I find it strange that you are getting all this flack. Of course anyone who tells the truth will quickly be called names and so forth....don't we all know that one!! LOL I once knew the three signs of change....the first is anger and denial....then.....thats the one I forget, then acceptance.
Sorry about your situation! Individual people lie to others all the time. You just joined a bad organization that gave you the wrong information. Everyone in PPL knows you only get paid for the sell of memberships. Stuff like this happens in every company (MLM or Corporate). You can't trust people who know 0% about this business. The membership is legit and is saving lives!
I have used the Pre-paid legal services for about 3 years now and have never been overcharged or had an issue. I like that I can call my attorney and have him review contracts, agreements, etc. for me without me having to spend thousands. And I've best friends with the "associate" who signed me up and she's never felt betrayed by the company or had an issue. I did ask her about a comment posted on her by someone stating that they had signed someone up but didn't get paid. She said that you receive commissions for those who purchase the membership, not just join your line. And this to me makes sense. Why would any organization pay money to you just to bring someone on board before they've sold any services.
It does show up when you google it. I might off Yahoo it instead. You also took my comment off that I posted.So I am sure that this one will also come off. Why you say that others are saying nasty things? It is because they do not agree with you that is nasty? Come on Sandy you know as well as I do that this business is not a fraud. I will prove that to you. I did sign up last night.
Really NewYork Mom, did you bother to read the nasty email I was sent when I requested to cancel? Prolly not! Good for you though, do whatever you want to do. But please speak for yourself and if you are trying to prove something... all you are proving is that you don't read well, you had no intention of looking for information but you did come to this hub for another purpose. And you sound like you were already a member if not you seem like you will fit in just fine. BTW, I didn't delete any of your comments.
@ Allen Robert, I was lied and tricked into signing up and given false information about the company. I was pressured, told I would receive 130 something bucks for every associate I signed up.
They gave me the 3x3 run down about the associates line and told me that I would make 2000.00 in my first month if I signed up three people.
I had no trouble in that department. I signed up three people in 1 week. I sold 5 memberships in one week and I saw a commission of $41.00.
I was told I would get paid daily, I didn't see it for a couple of weeks, my commissions statement at the end of the month was $50.00, they took money from the commissions statement and gave me the $40.00.
When I repeatedly called to ask what was going on, sent several email via, the website and my downline I either couldn't get through. The emails specifically asking about the associates commissions were ignored in fact all my email have still not been answered.
In fact, just 2 days ago I finally received my associates packet which I am sending back. The marketing department line has been busy since I signed up so I cannot cancel my associate membership and I cannot cancel my eservice membership.
When my up line got back to me about canceling, they sent me a nasty email which is listed above in the hub. The person who I signed up through gave me the cold shoulder and went behind my back to speak to every one I had told on a personal level and told them I am a liar.
And this came down from team freedom. It is possible that I was recruited by shady people, I will give it that however I am not the only it has happened to. Further, I never would have written this hub had I been able to get some answers but I wasn't so I had to investigate it for myself.
I didn't look for the purpose of finding them to be a fraudulent, which means deceptive but it was pretty obvious what the company was involved with, much the same as Amway and Herbalife and the most surprising of all was to find out that the company does more than just lie to get people to sign up.
So if for some reason you or anyone else doesn't like the information contained in this article then that is a personal problem. If I had found more information stating that it is a legitimate company, and if I had not found out that the company is involved with shady trade practices and such I would have kept with it however from a moral and ethical standpoint, to be involved with any company that does such things is bad.
Sandra, As of today I still have not received a refund. I just thought that I would let you know. I also still have not gotten a confirmation that my associate account has been cancelled.
That really sucks LG, thanks for keeping me updated. I was wondering if anyone had gotten back to you yet. Did you get the confirmation on your ppl membership cancellation yet? That one I did get within a few days.
When I asked them to cancel my associates membership and my eservice membership ppl customer service told me that they were not in charge of that and put me back through to the same busy number. :(
Yeah I got that one in a few days and also received the Return Receipt back in the mail.
This is getting me to thinking that they just wantto harvest money from people. If they were an honest business they would gladly refund their money back, especially if they chose not to do work for them.
It sounds like that. You know I was thinking about it and it really makes me wonder as well. Remember when I told you that I saw with my own eyes, the commission the person I signed up through made from signing me up?
Yes, I was the first person he signed up and he got 132.00 something. So for anyone to say that you get paid only for the memberships I absolutely know this is not true because I seen it with my very own eyes.
So what is the difference between him and I? I am a stay at home mom and a writer, he is the boss or shall I say super intendant for a large company.
The person he signed up through used to work at the same company and that very same guy's dad is the the person I signed up throughs boss.
I wonder if they play favorites? Why do some get commissions for signing up associates and other do not? Again I saw this with my own eyes and when I asked him why I didn't get the same he said he didn't know.
Later he says oh, because they have to sign up for a ppl membership too, then they tried to tell me that you did not get a membership.
So when I said well what about this other guy, he also got a membership when he signed up, why didn't I get paid for him? I got no answer.
Not to mention that the DVD that he had the people watch while trying to recruit them also says that you get paid 130 something when you get someone to join as an associate which makes me think... maybe I should keep the packet.
Man! I wish I still had my scanner and stuff, sold everything when we moved. I should see if I can find it on the internet somewhere.
how funny, found what could be a copy of the terms of service and it is an untrusted sight too funny! https://wsecure.prepaidlegal.com/AssocsOnly/Conten
Hey what do ya know, I found myself on google front page looking up associates. lol
Oh and this is interesting. Even though I have not been able to cancel my associates memebership, what? What is this? I cannot log into my associates account. hmmm... maybe they canceled it and didn't tell me.
Making note of this on October 30th, 2009. If they charge me for the eservice I will go through the roof. Check yours Debbie, it's a real shame they couldn't let me know whether or not they canceled me.
I am laughing so hard it is ridiculous!
I clicked on your link and this is what I got---interesting:
There is a problem with this website's security certificate.
The security certificate presented by this website was issued for a different website's address.
Security certificate problems may indicate an attempt to fool you or intercept any data you send to the server.
How weird, Sandra deleted my comments hmmmmm....I wonder why? Again for the people that have no clue what is Blastoff do not sign up through Sandra... She is recruting people to sign up with Blastoff which is PREPAID LEGAL PARTNER. She's been telling people that BLASTOFF is GREAT so is that mean that PREPAID LEGAL IS GREAT TOO since the two companies are partners?.
Just use your commonsense, if you hated the other half of the company, don't even bother getting involve with the other half... Don't blame the company for your failure. Like I said it's an exampla of getting a GYM MEMBERSHIP and you go the the GYM and no one is helping you when you went so you decided to QUIT, Then a month later here you are complaining that you didn't lose weight because nobody pay's attention to you. Common use you head... Stop making things up. It took a lot of effort and time and money for this company that are helping people to get to the top. Be happy, stop using the company so you can recruit people to your business. Again people BLASTOFF and PREPAID LEGAL are partners...
Is that true you deleted the comments that you don't like?
That's not good.
Someone or whoever you are --Get a life! Get off here because instead of making your look good for the company that you say is goo--you are making yourelf and the compnay look like fools.
Sandra, it is halloween and it looks like the gouls and goblins have all come to your hub here. Hmmmm
Me thinks thou dost protest too much --all of you unregistered gouls and goblins.
Are you affected??? hmmmmm....
I beleived I have a right to comment... Plus this is not adress to you. So Sandra Pls. do not encourage people to sign up to your BLASTOFF site because you don't like the other half of the company PREPAID LEGAL so it doesn't make sense to get involve to something that you said it's a SCAM isn't it?
Sandra, you can change all this by going and editing this hub and where the comment box is --edit that and make it that non-registered users can't comment.
I agree you should do that
Someone, that would include you because you are an unregisterd user. Meaning that you would not be able to leave a comment.
OMG how funny! Someone, Nick, Gilber all the same IP address. lol
Maybe he is upset because their company stocks took a huge dump the day after I wrote this hub. Hmmm... Maybe they go around attacking everyone who says something negative about their company. Or maybe the company is up to short selling, which is illegal. Maybe he is having a bad day. Either way
this guy is an idiot.
IU have been a member for 9 years, and never had any problems. My Law firm is in Chicago, and they are reputable. I've used them for Mortgage fraud, Guardianship, and minor court cases. They will write you a letter and follow up with the case. If you need they to represent you it does cost you. They refer you to a lawye in your city. I've used them free for a hit-and run drivers case for the court. It didn't cost me anything. You can use up the services without paying. I understand they represent you in Bankruptcy. I don't have a complaint. I think that it depends on the state that you live!
Nan Mynatt. When you say that it doesn't cost a thing, you are wrong. There is a membership fee that you pay once a month. Add all the months that you paid into the membership fee before you called your lawyer....that is how much it cost you. Nothing is FREE in this world or the next.
OMG it's really funny isn't it... How funny it is that you are encouraging people to to sign-up to your blastoff site which is connected to a prepaid legal company LOL....
Sorry about your experience. Sounds like this is also costing a lot in the way of time.
Someone needs to get a life and get on with the business they so dearly hold as the truth. Don't you have anything to do but spend you time putting someone else down? I be you dooooooo
erich17, Sandra and I, and I bet a few others, will love your site. I am ging there now and putting it in my favorites! Thank You Very Much!!
Hi LG, the link that erich17 left is another link saying that ppl is good. I was reading through it, it also says that Herbal Life is a good company. Herbal life was one of the companies listed in the pdf. of companies that were fraudulent and busted and closed down. I believe Amway and Herbal life (might be herbalife) are the reasons that mlm companies were banned in China.
It's more of the same rouse trying to convince people that ppl is the greatest company in the world etc. Let me put it to you this way, if you have to pay to work, don't do it.
It was the first thing out of my mouth when Jeff asked met to do it. Yet I did it anyways because (like ppl) they use your family and friends as your major source recruitment because we have a tendency to want to trust them, right?
Thank you Sandra.
Yes,They are a SCAM! I remember running across that company back in the eary 90's here in Houston TX and I did not buy what they was selling. It's something you can not see benifit.They are the ones making your money for nothing. And still see people riding around with signs on their car like they have something to offer. I really hate to here what happen to you guys. Good Luck
I am very sorry to hear of your experiences with Pre-Paid Legal. I have been involved with the company since 2000 and I have had excellent service from them as a member.
I was an associate also, but I did not do so well. I purchased a few of the marketing tools, but I think I did not fully understand the associate plan. I therefore take responsibility for not making as much money as I had hoped.
I really think it is a little harsh to encourage people to believe it is a scam. The company does have great products and services, but like other companies, there are some employees who may not represent the company well.
Pre-Paid Legal has genuinely assisted many people with legal matters. I can attest to the many times I have received valid help in various legal matters.
Sandra, They are coming out and attacking you like it was one of our religious hubs! LOL
I know LG. People don't like to be told the truth. They like to be told what they want to hear. Just as it is with religions. Those who believe blind will hear nothing that opposes what they believe to be the truth.
So much so that even if they do read, they understand things the way they want to understand them and will find a way to rationalize until it they can achieve their desired result which is to believe that because they have formulated a way in which "guilt" is not longer a factor, they can then continue on doing what is wrong and justify it.
I cannot really blame them for not understanding what is going on because I am way too familiar with how brainwashing works, as you are well aware of this also.
Oh yes we are well aware. LOL On FB I was told that I was being childish and she was tired of me---that was on a religious rant that some one is doing. I may just un friend her, but she started out with good stuff, then it went bad really fast. I think it is funny.
Oh Sandra I did get a response back about cancelling my Associate Account. I forwarded the e-mail to you. It is crazy!!! Just another invitation to another SCAM from the Pre-Paid Legal Company! I also forwarded it to the Manager at my Bank.
wow that's crazy. Thanks for the heads up.
I can't speak to Pre-Paid Legal but I have been involved in other Network Marketing Companies - whether they are a scam or not is beyond my knowledge. But whether they are a scam or not there is a major fundamental flaw with all Network Markketing companies or NLM as they are known, in that they do not teach associates to sell products but how to recruit people.
But the only way that people get paid and a company to make profits is to sell products - or in this case services. So I abandoned them all and avoid anything that smells like a NLM business these days.
Some people make lots of money in Network Marketing companies but most do not and lose their shirt or hand their money over to teh few that do.
school of hard knocks
Sandra sorry it took so long but I have written a reply for Blastoff in Relation to Pre-Paid-Legal. http://hubpages.com/hub/Why-Blastoff-Why-This-Affi
Sandra, I got an e-mail back from my bank and their policy is that I signed up willingly and they may not give my money back, but after (now it is a much longer period of time) 60 days if my money hasn't returned that we can put in another case for it.
She didn't respond when I brought up the 3 day return policy period that this company waited until 7 days to respond to. Shady if you ask me. So I might be out just over $100.00. We really needed this at this time too. That is why I was going to give it a try....way too many frauds out here. Ticks me off to no end!
I had a local lawyer on retainer for years while I ran a construction business. It was the best thing ever for that business. But the key was it was a local lawyer. They knew me well and spent the time to talk to me and take care of my issues.
I guess what a lot of this comes down to is that if your on the wrong team in a MLM then your not going to make it. I am in Herbalife and my team is internet based. We are dominating Herbalife, honestly. So just as you need to be on the right team in Herbalife, you need to be on the right team in PPL although I would not join with them because of the fact that a company investing in their own stock is going to collapse. I don't think I would ever pay in advance for a lawyer. You have no idea what lawyer you would get. I want my money to go to a lawyer that I trust and not one they will give me. They may give a good lawyer to some and to others, one not so good. Plus, if they don't cover main things then why would I want to put my money towards that? If I have a child custody case and they don't cover it, I wasted my money. I'm happy where I am at because I love the Herbalife products. Also from my knowledge, Herbal Life is not Herbalife. I could be wrong though.
This is just like any other service you sign up for. Take the time to investigate it thoroughly to see if it will fit your needs.
Sandra, My bank is going to re-submit my claim. Ican't do it until next week and then we have another 10 day to 60 day wait.
Geeze, it takes forever.
Georgiakevin says:
2 months ago
Great Hub. I have considered joining pre paid legal for years. Now I most definitely won't!