Complaint Review: Stuart Allan & Associates Inc - Bankers Life And Casualty Insurance - Tucson Arizona, Chicago, Illinois Internet

While it's fair to say that the tactics, (particularly as it applies to Stuart Allen), are inexcusable, I am glad to see that there is a place to chronicle the experiences of those of us who have been subjected to this legalized extortion. I was a field trainer when I gave my two-week notice to Bankers, in August, 2007, to take an infinitely better job in a different industry, where I continue to do quite well, thank you. Since last spring, Stuart Allen & Associates has tried, (unsuccessfully), to utilize their underhanded tactics to get me to hand over more than $1,000.00 to them without making any effort to show me anything that says I am legally obligated to pay them, or give any accounting of how they came up with the dollar amount they say I owe them. I have even told them from the beginning, on more than one occasion, verbally and in subsequent letters to them, that I would be willing to come to a settlement if they would provide me with the proof that we are ALL LEGALLY ENTITLED TO. To paraphrase their response, they have said they don't have to prove anything to me...pay up, or we'll ruin your credit.They put it on my credit report in violation of Federal Law. So, if I can offer any advice, everyone who reads this, (Hello everyone at Stuart Allen!, Merry Christmas!), needs to know their rights under the Fair Credit Reporting Act and the Fair Dept Collection Practices Act. There are plenty of places on the net where you can find information on protecting yourself against these unfortunate bottom feeders who have difficulty finding stable, honest work. Contact your local police dept. and the Tucson or Houston Police and file a harassment complaint if they continue to call. Also,file complaints with the Attorney's General in your home state and in Arizona, (their home state), the Federal Trade Commission, The US Postal Service and any other government agency or consumer advocate organization. Build your case with documentation and calculated steps. These companies are largely unregulated and seem to have little regard for the law or the rights of the people they are trying to collect from. Eventually, there will be enough information on record where local, state and the federal government will start to take notice. Get legal advice. If you can't afford a lawyer talk to legal aid. You have rights. Don't let them walk on you. More later...Good Luck & Merry Christmas!

While it's fair to say that the tactics, (particularly as it applies to Stuart Allen), are inexcusable, I am glad to see that there is a place to chronicle the experiences of those of us who have been subjected to this legalized extortion. I was a field trainer when I gave my two-week notice to Bankers, in August, 2007, to take an infinitely better job in a different industry, where I continue to do quite well, thank you. Since last spring, Stuart Allen & Associates has tried, (unsuccessfully), to utilize their underhanded tactics to get me to hand over more than $1,000.00 to them without making any effort to show me anything that says I am legally obligated to pay them, or give any accounting of how they came up with the dollar amount they say I owe them. I have even told them from the beginning, on more than one occasion, verbally and in subsequent letters to them, that I would be willing to come to a settlement if they would provide me with the proof that we are ALL LEGALLY ENTITLED TO. To paraphrase their response, they have said they don't have to prove anything to me...pay up, or we'll ruin your credit.They put it on my credit report in violation of Federal Law. So, if I can offer any advice, everyone who reads this, (Hello everyone at Stuart Allen!, Merry Christmas!), needs to know their rights under the Fair Credit Reporting Act and the Fair Dept Collection Practices Act. There are plenty of places on the net where you can find information on protecting yourself against these unfortunate bottom feeders who have difficulty finding stable, honest work. Contact your local police dept. and the Tucson or Houston Police and file a harassment complaint if they continue to call. Also,file complaints with the Attorney's General in your home state and in Arizona, (their home state), the Federal Trade Commission, The US Postal Service and any other government agency or consumer advocate organization. Build your case with documentation and calculated steps. These companies are largely unregulated and seem to have little regard for the law or the rights of the people they are trying to collect from. Eventually, there will be enough information on record where local, state and the federal government will start to take notice. Get legal advice. If you can't afford a lawyer talk to legal aid. You have rights. Don't let them walk on you. More later...Good Luck & Merry Christmas!

While it's fair to say that the tactics, (particularly as it applies to Stuart Allen), are inexcusable, I am glad to see that there is a place to chronicle the experiences of those of us who have been subjected to this legalized extortion. I was a field trainer when I gave my two-week notice to Bankers, in August, 2007, to take an infinitely better job in a different industry, where I continue to do quite well, thank you. Since last spring, Stuart Allen & Associates has tried, (unsuccessfully), to utilize their underhanded tactics to get me to hand over more than $1,000.00 to them without making any effort to show me anything that says I am legally obligated to pay them, or give any accounting of how they came up with the dollar amount they say I owe them. I have even told them from the beginning, on more than one occasion, verbally and in subsequent letters to them, that I would be willing to come to a settlement if they would provide me with the proof that we are ALL LEGALLY ENTITLED TO. To paraphrase their response, they have said they don't have to prove anything to me...pay up, or we'll ruin your credit.They put it on my credit report in violation of Federal Law. So, if I can offer any advice, everyone who reads this, (Hello everyone at Stuart Allen!, Merry Christmas!), needs to know their rights under the Fair Credit Reporting Act and the Fair Dept Collection Practices Act. There are plenty of places on the net where you can find information on protecting yourself against these unfortunate bottom feeders who have difficulty finding stable, honest work. Contact your local police dept. and the Tucson or Houston Police and file a harassment complaint if they continue to call. Also,file complaints with the Attorney's General in your home state and in Arizona, (their home state), the Federal Trade Commission, The US Postal Service and any other government agency or consumer advocate organization. Build your case with documentation and calculated steps. These companies are largely unregulated and seem to have little regard for the law or the rights of the people they are trying to collect from. Eventually, there will be enough information on record where local, state and the federal government will start to take notice. Get legal advice. If you can't afford a lawyer talk to legal aid. You have rights. Don't let them walk on you. More later...Good Luck & Merry Christmas!

I have a very similar problem with Banker's Life. I worked there for three months before realizing what kind of opearation they were running. I believe they are guilty of deceptive practices and very high pressure sales tactics first of all. Especially considering that their primary market is seniors. Seniors are particularly vulnerable to the borderline illegal sales techniques that Banker's uses. At any rate, I quit my job in June 08 and in November I received 2 letters from Banker's wherein they threatened to falsify my records to reflect that I had been fired for some unspecified reason if I did not pay them $268. They claim I owe this because some clients canceled their policies. This letter is attempted extortion as defined by the Hobbs Act. Furthermore, the letter also constituted a state crime in West Virginia, where I live. It is illegal to threaten one's reputation conected with an attempt to get money. Obviously, if they change my personnel file to indicate that I was fired, then my reputation will be damaged. Also, they obviously are in collusion with Stuart Allan. So, it appears they are conspiring to extort money; not only from me, but from others as well. If such a pattern can be established, and I think it can, then they can both be sued in civil court as well as have criminal charges brought against them. To remedy this situation, first of all I have filed a complaint with my state insurance commisioner and sent them a copy of the letters that Banker's sent me. The insurance commissioner told me that a similar complaint had been filed before but that the victim had apparently given in when Banker's said he signed a contract allowing them to do this. That is total garbage, and simply another scare tactic. The "contract" they are waving around isn't worth the paper it is written on when it comes to something like this. First of all it is a contract of adhesion. That is, "take it or leave it." Moreover, a court would construe the contract against the party that drafted it. That means the agent gets the benefit of the doubt. I have also filed a complaint with the US Postal Service because they have jurisdiction to investigate cases of suspected fraud, extortion, etc., when the illegal behavior utilizes the interstate mail system. I am also preparing to file suit against Banker's for defamation in civil court. Realize that if they have damaged your reputation in your profession, such as they have done mine, then it may be the case that damages will be presumed and punitive damages allowed. I urge anyone with a similar problem to consult an attorney that specializes in defamation cases and also to file a complaint with the Postal Service.