Re: Re: Re: Re: REFINANCING YOUR MORTGAGE THROUGH THE PFS SALES DIVISION

Subject: Re: Re: Re: Re: Re: REFINANCING YOUR MORTGAGE THROUGH THE PFS SALES DIVISION

Comments:
: To: Kenny Boy : ": : "NO STEVE, YOUR INPUT IS INCORRECT AGAIN. THE TOTAL PACKAGE IS REFERRED TO AS "DEBT FREEDOM PROGRAM" JUST AS I SAID IT WAS. WHAT YOU ARE TALING ABOUT IS THE NAME GIVEN JUST TO THE MORTGAGE LOAN ITSELF." : No Kenny, you are wrong. My friend is an RVP and he just told me there is no such package. Stop making stuff up to inflate your ego. : : : Sorry Ken: I dont read messages that are writen in all-caps. : : http://forum.onecenter.com/pfswars/ : : : : : :-...refinancing her mortgage under what the PFSers refer to a "Debt Freedom" program. : : : "NO STEVE, YOUR INPUT IS INCORRECT AGAIN. THE TOTAL PACKAGE IS REFERRED TO AS "DEBT FREEDOM PROGRAM" JUST AS I SAID IT WAS. WHAT YOU ARE TALING ABOUT IS THE NAME GIVEN JUST TO THE MORTGAGE LOAN ITSELF. : : : : Wrong Ken. The mortgage refi is not called a "Debt Freedom" program. It is called a "$mart loan." : : : : : In fact, based upon the orchestrations at what I refer to as the PFS Sales Division's "flopportunity" meetings : : : : Stealing my material again, huh Young? : : : WRONG AGAIN STEVE, THE EXPRESSION WAS INTRODUCED TO MY MESSAGE BOARD BY A POSTER BY THE NAME OF "FREAK". NOW IF I AM HEARING YOU SAY THAT YOU HAVE BEEN ONCE AGAIN IMPERSONATTING SOMEONE ELSE POSTING MESSAGES TO THE BOARD I SPONSOR, THEN THAT WOULD BE A DIFFERENT STORY. : : : : : She makes an inquiry. She is told to start the every two-week one half of your motgage payment program offered by the PFSer Sales Division and she does so. : : : : PFS does not offer a mortgage Ken. PFS is not a loan company. They sell the loan, and the rest of the negotiatioon must be done with the loan company. : : : I GUESS YOU ARE THE ONLY ONE WHO DIDN'T UNDERSTAND WHAT YOU WERE READING. THE COMMENT SURROUNDED THE REPRESENTATIONS MADE TO THE VICTIM FROM THE PFS SALES DIVISION THAT THE SALES ORGANIZATION WAS MAKING THE OFFER. : : : WRONG AGAIN STEVE, THE RATE OF INTEREST IS QUOTED BY THE PFS AGENT BASED UPON AN UPDATED SCHEDULE PROVIDED TO HIM THROUGH THE PRIMERICA CHAIN. : : : THERE IS NO SUCH THING AS THE INTENDED VICTIM DEALING DIRECTLY OR NEGOTIATING WITH THE LOAN COMPANY WHEN THE "DEBT FREEDOM PROGRAM" IS FIRST INTRODUCED TO THE INTENDED VICTIM. : : : : : Here is her complaint of how she fell victim to the rubbish inducement orchestrations is of my main concern. : : : : : In her fax letter to me the victim writes the following. (a), her mortgage payments are $1,519 a month, after six-months her principle balance owed on her new mortgage shows in her "Debt Free" statement : : : : There is no such document as a "debt free" statement in PFS. : : : WRONG AGAIN STEVE, THE DEBT FREE STATEMENT IS JOINED TOGETHER WITH THE FNA TO ESTABLISH THE INTENDED VICTIMS NEEDS TO GET OUT OF DEBT. : : : : : Good grief....How could any insurance with any insurance company violate the fiduciary obligtion they have to the public to what is right for their clients be so evil as to stick it to them with that type of garbage mortgage contract and at the same time while doing it, hide behind the charade of doing what is right for consumers in their orchestrations of offering to the public what they refer to as the, "Debt Free Program" the PFS Sales Division is offering to the public. : : : : Sounds to me like this person is someone you created in your mind. : : : NO STEVE, WRONG AGAIN....IT SEEMS LIKE EACH AND EVERY TIME SOMEONE CONTACTS ME FOR QUALIFIED INFORMATION AND THEY CHOSE NOT TO CONTACT YOU, YOUR FALSE SENSE OF YOUR PRIDE AND EGO DICTATES TO YOU THAT YOU RELIEVE YOUR PAIN BY POSTING A MESSAGE THAT I HAVE MADE THE STORY UP. : : : WOULD YOU CARE TO TAKE THE $50,000 KEN YOUNG CHALLENGE? ALL YOU HAVE TO DO IS PONEY UP $25,000 AND I WILL DO THE SAME. WE WILL DEPOSIT THE MONEY INTO AN ATTORNEY'S ESCROW ACCOUNT. I COME FORWARD WITH THE DOCUMENTS THAT WERE FAXED TO ME, YOU LOSE YOUR $25,000, I CAN'T PRODUCE THE DOCUMENTS, YOU WIN MY $25,000, AND THE WINNER PAYS THE COSTS CHARGED BY THE ATTORNEY FOR HIS TIME. HOW ABOUT IT STEVE? CAN YOU CONJURE UP $25,000 FROM SOMEWHERE? : : : : : You will notice from time to time one of their questionable self appointed alleged "ethical and Honest" agents jumps on this message board to defend their program. : : : : I'm certainly not an agent, nor am I defending the program. But I do think that you are fabricating this person, and that would make you as bad as them. If not a fabrication, you obviously haven't done any research to confirm the truth of the information, because there is no such loan as a "debt freedom program" loan being sold at Primerica. : : : BUT STEVE, YOU ONCE WERE ONE OF THEIR AGENTS FOR AN 8-MONTH PERIOD UNTIL THE COMANY CANCELLED YOU APPOINTMENT WITH IT AND THE MISISTRY CANCELLLED YOU LICENSE. MAYBE THEIR WAYS ARE STILL WITH YOU AND YOU DON'T REALIZE IT. : : : : : The Primeric Sales Division's false, misleading and deceptive sales, marketing, replacement of inforce life insurance, Mutual Fund, Mortgage Refinancing, Debt Free Program and especially their untrue Recruiting inducement orchestrations simply turn my stomach and make me want to throw up thinking about how any agent and organization could do that to their fellow man. : : : : Prudential has done much worse than Primerica in that department. Didn't ypou work for them for 30 years? : : : NO, STEVE, I WORKED FOR PRUDENTIAL 29 YEARS. FURTHERMORE AS YOU WELL KNOW, I WAS THE PERSON WHO REFUSED TO TRAIN THE AGENTS UNDER MY DIRECTION TO BECOME IN THE COMPANY'S NEW WAIVE OF QUESTIONALBE BUSINESS PRACTICES OR EVEN BE INVOLVED IN THEM MYSELF WHICH LED TO MY EARLY RETIREMENT AT AGE 55. IN ADDITION TO THAT, YOU ARE WELL AWARE OF THAT I WAS THE FIRST PERSON TO COME FOWARD WHEN MY ATTORNEY ASKED ME TO AND BLOW THE WHISTLE ON THE PRU TO THE FLORIDA ATTORNEY GENERALS OFFICE AND TO THE STATE DOI. THIS IN TURNED WAS THE FIRST STONE CAST THAT LED TO THE PRU BEING INVESTIGATED FOR ECONOMIC FRAUD AND GREW INTO THE FIASCO THE PRU GOT THEMSELVES INTO TO THE TUNE OF AN ESTIMATED $7.5 BILLION IN RESTITUTION TO THEIR CLIENTS, FINES AND LITIGATION COSTS. : : : WHY DO YOU KEEP ATTEMPTING TO PUT ME DOWN ON EACH AND EVERY MESSAGE BOARD YOU POST MESSAGES TO? : : : AFTERALL, ADMITTEDLY FOR YEARS YOU HAVE BEEN WALKING, STALKING, APEING, PARROTING AND PICKING MY BRAINS TO OBTAIN INFORMATION I HAVE AND NOW ALL OF A SUDDEN THE STUDENT DECLARES WITH HIS 8-MONTHS IN THE INSURANCE AND FINANCIAL SERVICES INDUSTRY HE KNOWS MORE THAN HIS PROFESSOR HAS GAINED KNOWLDEGE OF IN THE INDUSTRY OVER TWO SCORE OF YEARS BEING IN IT?. : : : STEVE, IF YOU ARE SO KNOWLEDGEBLE ON THE SUBJECTG MATTRER, COULD YOU ANSWER THE FOLLOWING? WHY HAVEN'T YOU BEEN TAPPED BY REGULATORS TO PROVIDE THEM WITH YOUR KNOWLEDGE OF THE SUBJECT MATTER AS I HAVE? WHY HAVEN'T YOU BEEN TAPPED BY REPORTERS REPRESENTING PERIODICALS SO THEY CAN QUOTE THEIR SOURCE OF INFORMATION AS I HAVE? WHY HAVEN'T THE REPRESENTATIVES OF THE LEGAL COMMUNITY TAPPED YOU FOR ACTING IN THE CAPACITY OF THEIR INSURANCE FRAUD CONSULTANT? WHY HAVEN'T YOU BEEN INTERVIEWED BY THE THREE MAJOR TV NETWORKS AS I HAVE BEEN AND SEEN ON NATIONAL TV? WHY HAVEN'T YOU AT LEAST WRITTEN AND PUBLISHED AT LEAST ONE TRAINING MANUAL ON THE SUBJECT MATTER OF THE PFS SALES DIVISION'S QUESTIONABLE BUSINESS PRACTICE INDUCEMENT ORCHESTRATIONS AS I HAVE PUBLISHED TWO OF THOSE TRAINING MANUALS. WHAT ABOUT SEMINARS CONDUCTED THROUGHOUT THE UNITED STATES, HAWAII AND EVEN YOUR OWN HOME COUNTRY OF CANADA, HAVE YOU EVER BEEN ASKED BY THE REGOGNIZED PROFESSIONAL ASSOCIATION OF LIFE UNDERWRITERS TO SPEW YOUR ALLEGED EXPERTISE ON THE PFS SUBJECT CONDUCTING SEMINARS AS I HAVE TO IN EXCESS OF 75,000 ATTENDEES? : : : NO STEVE, YOU APPEAR TO PRESENTING YOURSELF AS AN AUTHORITY ON THE SUBJECT MATTER AND ALTHOUGH YOUR INPUT HAS SOME VALUE, YOU ARE FAR FROM BEING A LEADING SPOKES PERSON UNTIL YOU GAIN SOME KNOWLEDGE ON YOUR OWN WITHOUT HAVING TO PICK THE BRAINS OF US WHO ARE IN THE KNOW AND HAVE THE TRACK RECORD AND THE CREDENTIALS TO QUALIFY YOURSELF. YOU FIRST NEED TO DO YOUR APPRENTICESHIP AND THEN OBTAIN SOME ON THE JOB TRAINING TO BE CONSIDERED ONE OF THE LEADERS. : : : BY ATTEMPTING TO BASH ME, BELITTLE ME AND HOLD ME UP FOR RIDUCLE ON THIS MESSAGE BOARD YOU WILL NEVER ATTAIN THE GOALS AND RESPECT YOU SO VIGOURSLY ARE LOOKING FOR. : : : NOW IF YOU DON'T MIND STEVE, HOW ABOUT SETTING ASIDE YOUR OWN PERSONAL INTERESTS, AND STOP INTERFERING WITH THE INTENT OF THIS MESSAGE BOARD. OBVIOUSLY YOU TOOK A TRUE HAPPENING I WAS ATTEMPTING TO SHARE WITH THE VIEWERS OF THIS MESSAGE BOARD IN MY ATTEMPT TO ALERT THEM AND YOU PERVERTED IT TO FIT YOUR OWN PERSONAL WANTS AND DESIRES BEFORE THE NEEDS OF THE PUBLIC. : : : DON'T YOU HAVE ANY RESPECT WHAT SO EVER FOR OTHER PEOPLE'S WANTS AND NEEDS THAT OBVIOUSLY ARE MORE IMPORTANT THAN YOUR OWN GOALS, DESIRES AND PIPEDREAMS? : : : KEN : : : -------------------------------------------------- : : : : : Ken Young : : : : : -------------------------------------------------- : : : : I think if you're going to post about Primerica, you should at least make an attempt to get your facts straight. Personally, I think you are no less deceptive than any Primerica agent. Reading your posts about Primerica is like listening to a thief critisize an armed robber. It's rather ludicrous.

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