Yeah dog, I agree. I'm surprised, I thought she would have explained right away. ???
Been up to my eyeballs with the audit and making things right with clients. I wrote a letter for the Las Palomas forum. Wish Dry Heat would've posted that here, too.
Of course we have a current rainstorm as we speak so who know which clients have policies in force (in the event of a claim).
Again: MAPFRE doesn't offer weather-related coverage. Only MAPFRE policies have been affected. Of the thousands we have, so far there are only 12 that went unpaid. I don't doubt we'll find more, and even one is too many, but we are auditing to find them. If you have weather coverage, you're with ACE and therefore, no problem.
Have previous years premium for policies been collected and not applied? Or is this singular to 2014 only?
Has your agency ever created policy #'s in office that are not valid policy's?
Would you have any problem with clients calling the carrier directly to find out the status of their policy?
Someone needs to make a police report on this before more people get burned and she runs to Cancun with the others before her.
Jajajaja...I guess it was just a matter of time. What others? Why the hell should I leave RP when my reputation is just now getting interesting? Look, I'm not making light of the problem, but holy crap...some of you are over the top. As it stands right now, I'd be setting up in Cancun with less than $3k. This 'life of crime' isn't very lucrative, is it?
Hi BW, did you finally get your policy? Do let me know.
Hi Rosie,
Paty told me on Friday that the amendment to my policy will be done this week and I will pu the policy
when I'm in Penasco next week,
I will also pay you for my car insurance that's due on the 19th.
Glad you came in and calmed this thread since it was getting very interesting .
I figured you would as I said in my post on the 24th.
See you next week. How was Cancun? LOL.
Hi Rosie,
Paty told me on Friday that the amendment to my policy will be done this week and I will pu the policy
when I'm in Penasco next week,
I will also pay you for my car insurance that's due on the 19th.
Glad you came in and calmed this thread since it was getting very interesting .
I figured you would as I said in my post on the 24th.
See you next week. How was Cabo? LOL.
Cabo? I thought I was in Cancun? Lol! Thanks. Actually, everyone at Las Palomas was way easier on me than I would've expected. To date we've only lost one client. Sorry to see it happen, but if it tightens things up at the office...then all was for good.
Honestly Rosy,
You sound supper cocky considering that this situation is very serious. For one, a claim could have easily happened during this time and would you be in a position to pay several thousand dollars out of pocket (ex. a fire). All I have heard are defensive excuses and pride with comments about how you provide the best service. I don't think this is a time to talk about how great your service is when untold # of policy holders have cancelled policies, have paid money directly to you and it was all found out by a resort or client calling the carrier. Thus it leads to the question... how long as this been going on for? Making light that the amount we are talking about is not much... does not bode well for you.
Have previous years premium for policies been collected and not applied? Or is this singular to 2014 only?
Has your agency ever created policy #'s in office that are not valid policy's?
Would you have any problem with clients calling the carrier directly to find out the status of their policy?
Look, I've already stated that I was disappointed in the way Mapfre handled this. I think they underestimated me and they underestimated my clients and the relationship we have. I talked to them at length about this.
As yet we've been focused on answering inquiries, tightening up our internal process and calling clients to inform them and offer them new policies. Not all the renewals have been with ACE. several have been with MAPFRE. Once we're over the immediate hurdle I intend to find out whether anyone in my office did anything intentionally wrong or innocently mistaken. But, the responsibility is mine and I understand that. Believe me...I'm the one on the front line. Sorry It took me so long to hit this forum...but there were fires to put out.
In the last year we've had a turnover of 3 employees and the death of one associate at Mapfre who was our go-to guy. This would not have happened if he were here, but he isn't. Again, it's my responsibility and I'll make it right.
With this many people calling Mapfre, I don't think it matters how I feel about it. I'd like to think that our clients can ask us directly, but understand that people are pretty used to getting ripped off. If there is a policy that isn't valid, I will extend the same offer. Refund or new policy.
"My lawyer fired off a certified letter to them and we began the tedious audit process and the notification of clients who were affected."
Why would your lawyer send a letter to the resort? Was the resort not accurate about policies canceling?
It appears that some forum members on here have found out their policies were cancelled... would you suggest those questioning the status of their policy to contact the carrier directly?
You mentioned that the condo business is not lucrative since the avg. premium is $150. Yet you mentioned that you have several thousand clients... one would venture to guess that even if a small percentage of these clients has a condo policy, the total is a decent amount based on $150 per unit. This leads me to my question... Have policy #'s ever been typed up on a policy by your office? Has every policy # listed on the policy been issued by the carrier?
If funds where sitting in your bank account and not wired to the carrier, would you not notice the additional funds?
Has your office ever created policy numbers on declaration pages (policies)? Are all policy #'s issued by Mapfre valid Mapfre policy #'s?
Are these issues only related to 2014 or has this happened in previous years (funds not applied to valid policies)?
The letter was sent specifically to the person who signed their original letter to owners and to the general manager. I took issue with the fact that everything from the Subject line down was alarmist and sent to ALL clients, not those with problems. I have had problems with them before over their efforts to sway the insurance business. In my opinion it would've made more sense for them to call me and inform me of a problem...but they opted to blind-side me. When my daughter and I were robbed in a Las Palomas rental, I didn't post it here, talk about it on the radio, etc. I let the GM handle it and trust they got rid of the employee. Remind me sometime to tell you guys that story.
As I've already stated, anyone can verify their policy however they feel comfortable. Either way we've got to identify the ones that aren't valid so I can make that right.
For a lawyer, you should listen better. I didn't say the insurance business for condos isn't lucrative. I said that thievery wouldn't be lucrative at $150 a pop when the thief runs the risk of having to pay for claims out of his loot. Seems like a losing proposition.
Since you are happy to answer questions...
1. Do you know if Mapfre has opened an investigation into your practice?
2. For someone who appears supper confident, why have you not suggested that clients call the carrier directly?
3. Has your agency ever made up policy #'s?
4. Has your agency been collecting funds from clients and not applying to policies only in 2014 or has this involved prior years?
I am surprised your attorney has not advised you to keep off these forums.
Unfortunately even after all your posts... something is still off.
Is this typical with most insurance companies in Mexico to have a certain percentage of policies slip through the cracks? It seems that if there was a major claim you'd have a great deal of exposure. Isn't there a computer program that would help with employee incompetence or other excuses?
I don't think it's typical at all, Derek. The software I've found has been developed for US insurance laws. We'll be implementing some changes to eliminate the possibility of this happening in the future. Believe me...I have no intention of going through this again...From now on all clients will receive their policy and the receipt showing payment to the underwriter.
Have previous years premium for policies been collected and not applied? Or is this singular to 2014 only?
Has your agency ever created policy #'s in office that are not valid policy's?
Would you have any problem with clients calling the carrier directly to find out the status of their policy?
The interrogation (or is it cross-examination) is becoming repetitive. I have already answered the above questions.
The interrogation (or is it cross-examination) is becoming repetitive. I have already answered the above questions.
No you have not... but I understand why you would be vague or not answer directly.
from the previous poster (SonoranParadise):
This is the person I spoke with at Mapfre. Very helpful and speaks English very well. You just need your policy number.
Again, I will say that Rosy is very nice, and I hope this is all just a mis-understanding, but from our perspective we will feel better going elsewhere.
Dry Heat - in answer to one of your questions, we had 2 policies, one that we never got a renewal on (so our bad) it was not in effect anyway, but we did find out that that policy that we paid in April of 2013 was issued, but Mapfre never received payment, so it was cancelled. The second policy was issued in November of 2013, and Mapfre never received payment on that one either, and it was cancelled as well. So 2 policies in 2013, 7 months apart, neither were paid. I would love to hear from some other forum members that contacted Mapfre that their policies WERE paid and in effect.
Spoke with Rosie today I feel all will be good and I plan on renewing all my insurance with her. Their is always two sides of a story. Communication always needs to be first priority
Honestly Rosy,
You sound supper cocky considering that this situation is very serious. For one, a claim could have easily happened during this time and would you be in a position to pay several thousand dollars out of pocket (ex. a fire). All I have heard are defensive excuses and pride with comments about how you provide the best service. I don't think this is a time to talk about how great your service is when untold # of policy holders have cancelled policies, have paid money directly to you and it was all found out by a resort or client calling the carrier. Thus it leads to the question... how long as this been going on for? Making light that the amount we are talking about is not much... does not bode well for you.
1. I guess you'd prefer groveling, but I have no reason to believe that anything was done intentionally to harm anyone. I intend to find out, though. I am already doing all that I can to make things right with my clients, and I have expressed more than once that the responsibility lies with me. Every payment ever made for a policy has been recorded in the client file. Employees aren't allowed to hand me cash without my signing for it, so there's a paper trail.
2. You can be sure that if there'd been a claim for "several thousands of dollars", I'd be considerably less "cocky", but there wasn't. I can still state that we've not had ANY claim go unpaid.
3. There is no pride or defensiveness when I say we screwed up. I'm extremely relieved that the number of policies here is relatively minor.
4. While I often speak of the service we offer at ProAlliance, in this case I wasn't referring to that. I was referring to the fact that when we write a condo policy it includes coverage for interior walls, ceilings and floors, making it a superior policy than others.
5. "UNTOLD #S"??? I told you the numbers. Had the resort called me directly we would've initiated the same audit and made the same corrections.
6. I have mentioned that our guy in Chihuahua, Ing. Luis Zapien died last year. This forced us into a new way of doing things. We never had a problem before and I don't expect to have one in the future.
7. There's a big difference between explanations and excuses, Licenciado. Errors were made in my business and those errors are costing me. What more do you want? I'm not making light of anything, but I'm too old to think my life is over because we made a (ok 12) mistake. Nothing about this situation "bodes well", but it isn't the first problem I've faced in life, nor is it the biggest. I will handle this like I handle everything...chin up. Anything else?
You still have not answered specific questions I have...
1. Has your office issued any policies that were issued with dummy policy #'s?
2. Is the non payment of policies applicable to 2014 only or does it apply to prior years also?
3. Your numbers have started at 'it was only 6 policies, to it was only 12 policies, to... ok it won't be more than 20 policies... you get my drift.
4. Since you are vouching for your honesty in business... why are you not suggesting that your client call the carrier directly to find out if their policy is active or not?
In my business I have seen countless people vouch for the honesty of others... and all too often that excuse or mistake is not as innocent as presented.
Since you are happy to answer questions...
1. Do you know if Mapfre has opened an investigation into your practice?
2. For someone who appears supper confident, why have you not suggested that clients call the carrier directly?
3. Has your agency ever made up policy #'s?
4. Has your agency been collecting funds from clients and not applying to policies only in 2014 or has this involved prior years?
I am surprised your attorney has not advised you to keep off these forums.
Unfortunately even after all your posts... something is still off.
That should be "you're funny"
1. I'm less concerned about what Mapfre is doing than I am with making sure my clients have a) a valid policy or b) a full refund.
2. You probably meant super confident. I'm confident in my ability to make things right. Why shouldn't I be? All I can do is try. The day I found out about this I was ready to tear my hair out or strangle someone, but that's passed. Now I just need to work. Whoever wants to contact the carrier will do so...you're living proof, right?
3. Certainly not as part of the agency. Whether anyone did anything individually will come out in the audit and it'll be handled then. In the meantime and as far as our clients are concerned, I'm not shirking my responsibility.
4. It's clear that at least in 12 cases policies were not paid. You have a lot of nerve jumping from what we know to what you want people to think. Typical lawyer...think you're smarter than average.
5. My own voice has always been all I need. I didn't do anything intentionally wrong and I'm going to make it right. If I'm wrong...then karma will get me. I used to tell my kids: No matter who you pretend to be, time always tells.
Again, I will say that Rosy is very nice, and I hope this is all just a mis-understanding, but from our perspective we will feel better going elsewhere.
Dry Heat - in answer to one of your questions, we had 2 policies, one that we never got a renewal on (so our bad) it was not in effect anyway, but we did find out that that policy that we paid in April of 2013 was issued, but Mapfre never received payment, so it was cancelled. The second policy was issued in November of 2013, and Mapfre never received payment on that one either, and it was cancelled as well. So 2 policies in 2013, 7 months apart, neither were paid. I would love to hear from some other forum members that contacted Mapfre that their policies WERE paid and in effect.
Thank you, Rick. I too would like to have those with valid policies and paid claims say so.
Spoke with Rosie today I feel all will be good and I plan on renewing all my insurance with her. Their is always two sides of a story. Communication always needs to be first priority
Thank you. I've spoken with many and don't always know to connect the client to the screen name, but regardless...your kindness is appreciated.
I would love to hear from some other forum members that contacted Mapfre that their policies WERE paid and in effect.
I'd like to know that too because it seems like the number of cancelled policies are a lot higher than Rosie is saying. So far we have heard from a few forum members that have contacted Mapfre and were surprised to find out that they were cancelled. Is there anybody who checked with Mapfre and found out that their policy is OK?
You seem to want to skirt around the same questions I have asked multiple times (it says a lot). Don't be surprised if the carriers you represent are reading these threads.
I'll ask again...
1. Has your office issued any policies that were issued with dummy policy #'s?
2. Is the non payment of policies applicable to 2014 only or does it apply to prior years also?
3. Your numbers have started at 'it was only 6 policies, to it was only 12 policies, to... ok it won't be more than 20 policies... you get my drift. So do you want to guess again?
4. Since you are vouching for your honesty in business... why are you not suggesting that your client call the carrier directly to find out if their policy is active or not?
Of course the most important question is #4... why if you this is just some simple mistake or just a few cases... would you not encourage your clients to call the carrier directly? If it is just a few cases and it was just a mistake with these few... why not take that cocky attitude and tell clients to call the carrier directly??? Is there a reason why you are not going with this approach?
You seem to want to skirt around the same questions I have asked multiple times (it says a lot). Don't be surprised if the carriers you represent are reading these threads.
I'll ask again...
1. Has your office issued any policies that were issued with dummy policy #'s?
2. Is the non payment of policies applicable to 2014 only or does it apply to prior years also?
3. Your numbers have started at 'it was only 6 policies, to it was only 12 policies, to... ok it won't be more than 20 policies... you get my drift. So do you want to guess again?
4. Since you are vouching for your honesty in business... why are you not suggesting that your client call the carrier directly to find out if their policy is active or not?
Of course the most important question is #4... why if you this is just some simple mistake or just a few cases... would you not encourage your clients to call the carrier directly? If it is just a few cases and it was just a mistake with these few... why not take that cocky attitude and tell clients to call the carrier directly??? Is there a reason why you are not going with this approach?
Personally I think #1 should be more important, but it's been answered.
I don't care if they're monitoring this, nor does it matter to me whether they call Mapfre. I'm not guessing as to the number of policies. It was 6 a week ago, is up to 12 and I hope it won't surpass 20. I promised to keep everyone updated and am doing so.
You seem real intent on me telling people to call Mapfre even though some of them have already done so. Let me explain to you...I don't trust Mapfre right now. Nevertheless I know that some will call them. If they find their policy invalid, then I will have to add to the number of policies and offer a refund or new policy. Same thing. I would rather our clients ask me, but they're free to do as they wish.
Maybe we should ask anyone who didn't call Mapfre but heard from me that their policy was invalid to check in. There have been a few of those in the 12 so far. Can I be done with you now? You've become tedious in addition to repetitive.
P.S. I'd rather be cocky than snide (hint, hint) and pompous
I understand that you are trying to deflect attention to the individual asking you questions... its common with many who are not on the up and up (I see all too often).
You are quick to deflect that it was Las Palomas who has fault for bringing out, you mentioned that you don't trust the carrier, you mentioned that you have had high turnover, you have mentioned that the carrier's prior rep would make things easier, you have come up with countless excuses for these invalid policies... did I miss any other reasons or excuses you have used... which by the way are all telling signs. The constant deflection with the occasional "I will take care of any MISTAKES' does not help.
You were non existent on this forum while this topic picked up steam... it was not until someone called out that you were 'reading' the forum thread that you all of a sudden replied with vigor. Yet you say that it was only a handful (which seems to be growing as more people call or email the carrier). Sure you would rather have clients ask you if the policy is active than call the carrier directly (that alone says a lot).
I get it that some are emotionally tied to you and think the world of you. Just the matter you answered the questions above vs the other general questions says a lot. You see these questions above are a lot more specific and direct and thus I can see why you are not answering them with the same vigor you answered everything else.
So you and I can dance all night... I live for this. The more you talk and try to explain your way out of it...well it does not look good. I'm surprised that your attorney would be ok with you posting on this topic... which by the way I am curious as to this letter you had drafted to the resort... would love to see what he was standing up for (if there is such a letter).
I understand that you are trying to deflect attention to the individual asking you questions... its common with many who are not on the up and up (I see all too often).
You are quick to deflect that it was Las Palomas who has fault for bringing out, you mentioned that you don't trust the carrier, you mentioned that you have had high turnover, you have mentioned that the carrier's prior rep would make things easier, you have come up with countless excuses for these invalid policies... did I miss any other reasons or excuses you have used... which by the way are all telling signs. The constant deflection with the occasional "I will take care of any MISTAKES' does not help.
You were non existent on this forum while this topic picked up steam... it was not until someone called out that you were 'reading' the forum thread that you all of a sudden replied with vigor. Yet you say that it was only a handful (which seems to be growing as more people call or email the carrier). Sure you would rather have clients ask you if the policy is active than call the carrier directly (that alone says a lot).
I get it that some are emotionally tied to you and think the world of you. Just the matter you answered the questions above vs the other general questions says a lot. You see these questions above are a lot more specific and direct and thus I can see why you are not answering them with the same vigor you answered everything else.
So you and I can dance all night... I live for this. The more you talk and try to explain your way out of it...well it does not look good. I'm surprised that your attorney would be ok with you posting on this topic... which by the way I am curious as to this letter you had drafted to the resort... would love to see what he was standing up for (if there is such a letter).
So now you're calling me a thief, cheat and a liar? You ask for explanations then call them excuses. You call this dancing? You're sloppy, Dude. Aren't you some kind of tax lawyer? Gimme a break. Ultimately Las Palomas did me a favor because we needed to know there was a problem. It would be nice if my friend hadn't died, but we had to learn to fly solo sooner or later. Only one client has asked for a refund and it isn't you. You're not even a client, are you? Just another troll with a law degree. If you're for real, let me know so I can GLADLY issue a full refund. By the way...even you are doing me a favor. Every time someone decides to publicly jump on me I get new clients. For you it's a dance...for me...bizness. (now that's cocky)
So how much would the carrier have paid if no coverage was in place... as some are finding out on a daily basis by contacting the carrier? What would be of these units that are showing a lapse of coverage for a year or more?
PitiquitoRosy said:
ProAlliance claim record sept 2013-sept 2014 (always paid directly to insured by carrier)
So how much would the carrier have paid if no coverage was in place... as some are finding out on a daily basis by contacting the carrier? What would be of these units that are showing a lapse of coverage for a year or more?
Gee...you must be a good lawyer, since you think to ask what everyone else (including me) has already thought about. I dodged a bullet. Is that what you've got stuck up your...uh...in your craw? Don't be disappointed, though, this is still something I wish hadn't happened. It's cost me and will probably cost me more before it's over. You can gloat all you want, but anyone who has dealt with real life tragedy knows this isn't a life-stopper.
So now you're calling me a thief, cheat and a liar? You ask for explanations then call them excuses. You call this dancing? You're sloppy, Dude. Aren't you some kind of tax lawyer? Gimme a break. Ultimately Las Palomas did me a favor because we needed to know there was a problem. It would be nice if my friend hadn't died, but we had to learn to fly solo sooner or later. Only one client has asked for a refund and it isn't you. You're not even a client, are you? Just another troll with a law degree. If you're for real, let me know so I can GLADLY issue a full refund. By the way...even you are doing me a favor. Every time someone decides to publicly jump on me I get new clients. For you it's a dance...for me...bizness. (now that's cocky)
Just reading your comments, one can see that they are all over the place.
You constantly try to change the topic to something else (grammar, what one does for work, etc) is easy for all to see that you are deflecting. No, I don't have you as my agent.
So now that 'people' are jumping on you it has increased business even though a thread that has over 3000 views is painting a bad picture... sure. I suggest as a business owner that you try to not be so cocky and proud. Especially in this situation. I'm sure those that support your business are not pleased with your behavior. You are something else with how you reply to this situation... making comments that this is 'bizness' and you are cocky. The more hostile you get with your words is simply an amateur play for someone that is dealing with something that is too much for them.
In life, there is no excuse or reason when something is not on the up and up... no matter how much we try to explain it or give reasons. The more we talk, the more we dig ourselves deeper.
Just reading your comments, one can see that they are all over the place.
You constantly try to change the topic to something else (grammar, what one does for work, etc) is easy for all to see that you are deflecting. No, I don't have you as my agent.
So now that 'people' are jumping on you it has increased business even though a thread that has over 3000 views is painting a bad picture... sure. I suggest as a business owner that you try to not be so cocky and proud. Especially in this situation. I'm sure those that support your business are not pleased with your behavior. You are something else with how you reply to this situation... making comments that this is 'bizness' and you are cocky. The more hostile you get with your words is simply an amateur play for someone that is dealing with something that is too much for them.
In life, there is no excuse or reason when something is not on the up and up... no matter how much we try to explain it or give reasons. The more we talk, the more we dig ourselves deeper.
"People" aren't jumping on me, you are. And the only reason it'll increase business is because you come across as a simple pot-stirrer. The problem we've had with policies isn't what I refer to as 'bizness', but rather that which you called a dance. I'm not proud that this has happened at all. What on earth do you want from me? You're not even a client so I can't give you your money back. Public flogging? Nope, too cocky for that. You are being condescending. This isn't too much for me by a long-shot. I don't want to tempt fate, though...this is problem enough. I'm a lot of things...an amateur isn't one of them.
Just to be clear... Benny AKA dry heat is a lawyer and his expertise, by choice I would assume, is bankruptcy. I would have guessed he was a divorce lawyer.:D
Just to be clear... Benny AKA dry heat is a lawyer and his expertise, by choice I would assume, is bankruptcy. I would have guessed he was a divorce lawyer.:D
Well, all I can say is that I'm glad somebody is asking the tough questions!
Rosy, first off my condolences for your recent loss's, I had my brother and my father pass away within months of each other and you are correct, things stop. But, it's clear you understand life must go on.
Speaking for myself, I hope you can appreciate how these dust-ups can really put some people on edge. How this thread started and then developed had me thinking, " Here we go again, another financial loss." With what I've been going through on my property alone, it just gets tiring that there seems to be no responsibility or accountability when dealing with investments in Mexico. Being a vacationer to RP just adds to the frustration. Honestly, dealing with you has been my last line of stability that I'm receiving what I'm paying for, and the same reason I recommend your services to people who ask me.
When this Beach Bum guy posted earlier in this thread, it almost seemed as he was speaking for you and that you've had enough with the people on this board. Following you on this forum over the years I couldn't, and didn't want to believe that you had some kind of melt down. Should've stuck with my original gut feeling.
Anyway I'm glad to see you back, and if there's any issues with my policies, I'll wait to hear from you.
Rosy, first off my condolences for your recent loss's, I had my brother and my father pass away within months of each other and you are correct, things stop. But, it's clear you understand life must go on.
Speaking for myself, I hope you can appreciate how these dust-ups can really put some people on edge. How this thread started and then developed had me thinking, " Here we go again, another financial loss." With what I've been going through on my property alone, it just gets tiring that there seems to be no responsibility or accountability when dealing with investments in Mexico. Being a vacationer to RP just adds to the frustration. Honestly, dealing with you has been my last line of stability that I'm receiving what I'm paying for, and the same reason I recommend your services to people who ask me.
When this Beach Bum guy posted earlier in this thread, it almost seemed as he was speaking for you and that you've had enough with the people on this board. Following you on this forum over the years I couldn't, and didn't want to believe that you had some kind of melt down. Should've stuck with my original gut feeling.
Anyway I'm glad to see you back, and if there's any issues with my policies, I'll wait to hear from you.
Hi Bob, thanks for understanding. At first I didn't connect the dots. I was mistakenly seeing this problem in it's own context...a ProAlliance screwup. It hadn't occurred to me that so many people are skittish about whom to trust in Mexico, nor had I remembered how many have been taken advantage of financially over the years. Once I was able to put this in context of what many people's experience here has been...I felt even more responsible and, if possible, a greater sense of the importance of making things right. I've always been defensive by nature when I feel attacked. Part of it is frustration that we're talking about something that I should've been aware of, but I missed it. Nevertheless, I don't want to give ProAlliance clients the idea that I'm anything other than deeply sorry this has happened and am committed to making sure this cannot happen again.
I'm happy to check your policies, Bob...but please send me a pm with your last name because I don't want to mistakenly connect the wrong screen name with the real name.
Again, thank you. I keep using the word kindness, but that's because the way most people have responded is best described that way. It humbles me to realize how many have placed their trust in me. I will not let you down.
P.S. I read that Beach Bum post but didn't really understand it. Who is that? One of the owners? Heisler? Guess I've been gone too long. The only place I have responded prior to this has been Las Palomas. I never left this forum per se...I just had so much going on that I hadn't been here to read or to post. Yesterday I wasn't 'lurking' to monitor posts. It was my first time here in a long time and I was checking out this thread so I could respond to the concerns.
My like on the beach bums thread was for the addition by the moderator.....Here's a little heads up for you. Go play somewhere else. We're not worthy. Enjoy your ban for life! And oh, have a nice day!
Of the 12 policies spoken of above, all but one client (owner of 2 condos) have opted to accept my offer of a new policy at no cost. 8 of those were renewed with the same carrier, Mapfre Tepeyac. Along with the policy itself, those 8 received a copy of the receipt for deposit of funds into Mapfre's bank account as proof of payment. One called Mapfre to confirm and was told it still wasn't paid. Proof was sent that they are in error and those policies, while not yet in the system...will be reflected.
Sometimes clients opt to deposit in our US bank account. If that's done, it's very important to send us a copy of the deposit receipt, an email letting us know it's been done...something. We've found some that deposited but never told us they'd done so. If they don't tell us, we won't know where to apply that payment. If all they do is tell us, I can check the account and print out proof...that's no problem at all.
I suggests that clients who have an insurance policy via ProAlliance contact the carrier (Mapfre) to find out the status of their policy...
The contact info provided is:
Gerardo González Eguía
Responsable División Internacional
Tel. (619) 662-1194
Fax (619) 662-1106
Toll-free 1-800-357-0091 [email protected]
I think that it's pretty clear that you have an Ax To Grind Dry. You are back to being that childish poster you used to be but seemed to get away from. Enough is enough, your grinding is getting shavings all over us here on the forum.
I think that it's pretty clear that you have an Ax To Grind Dry. You are back to being that childish poster you used to be but seemed to get away from. Enough is enough, your grinding is getting shavings all over us here on the forum.
Better to be safe than sorry when it comes to protecting one's property. Many of us don't want Penasco to have another negative, many have lost money in bad deals. So... better to be safe than sorry when it comes to finding out if a policy is active or not. Interestingly... I keep getting messages from some that they did in fact not have valid insurance. So something not to take lightly.
So yes, I do have an ax to grind when it comes to issues that are important to the community. My ax to grind has resulted in some property owners calling Mapfre directly and some finding out that they did not have insurance on their property.
The only way to truly know if your policy is active,is to contact the carrier directly.
Hi Gary, thanks for posting about your experience with us/me. I'm okay...have had a few health issues of my own (in the realm of 'normal', considering). Busy, but that's nothing new. Moved to another house and another office within months of each other, so that was a pain. Dealt with the death of a business associate and the suicide of a 25-yr old nephew. Training others to run the company, so I can live the life of a woman my age...Fortunately now, thanks to the current situation, business requires me to engage. Thanks for your concern. How are you?
I am doing OK but had to move back to AZ. Hope all is well with you.
I think that it's pretty clear that you have an Ax To Grind Dry. You are back to being that childish poster you used to be but seemed to get away from. Enough is enough, your grinding is getting shavings all over us here on the forum.
Yes he does, it's a pretty sharp one and a lot of people are on the stump waiting, they just didn't know it. Thx Dry Heat for bringing this situation to all of us members.
I certainly don't have a personal agenda. I don't know rosy, I don't have a local insurance agent. I have no financial or personal agenda with this business or their competition. I have been involved financially with the community in the tune of several hundred thousand. I have seen corruption among fellow investors. I have seen big mistakes by well meaning businesses and many in between.
In this situation, My concern is for my fellow homeowners. We don't have the same disclosure system as we have in the US. Thus the insurance agent in Mexico carries a heavier burden of disclosing the status of a policy.
The only other option is to contact the carrier directly and find out the status.
So I called the insurance company and was told there was no record of the home insurance policy number I gave them in their system. I then called ProAlliance on Thursday morning and left a message asking Rosie to call me. I have not received a call back from Rosie. I am currently in Washington DC and find it unsettling not to have a return call. I don't want to blame anyone however I would like to find out do I or don't I have a policy on my home inRP
What is disturbing is what you just said "no record of the home insurance policy number". You are not the first person I am hearing about that has a made up policy number. Its one thing to have a policy that was issued and not paid, it's another thing to create a policy # that is not valid to begin with and send it to the policyholder as valid insurance. I have no idea how one explains that scenario. If that was the case in the USA, one would be losing their license pretty quickly in addition to facing other factors.
If that was the case in the USA, one would be losing their license pretty quickly in addition to facing other factors.
This is correct.
I know a lot of people here love Rosie due to the exceptional service she has provided, but this is completely unacceptable. It's extremely important to contact the carrier directly. Also any future payments should also be made directly to the carrier.
Obviously nobody knows the full truth about what happened, but this stinks and it's just another black eye for RP. This type of thing is the reason people are hesitant about buying property, or even visiting.
I'm not looking to get into an argument here as I don't own property in Mexico. I do however carry an insurance license for a side business and I find this whole thing appalling.
So I called the insurance company and was told there was no record of the home insurance policy number I gave them in their system. I then called ProAlliance on Thursday morning and left a message asking Rosie to call me. I have not received a call back from Rosie. I am currently in Washington DC and find it unsettling not to have a return call. I don't want to blame anyone however I would like to find out do I or don't I have a policy on my home inRP
Unbelievable, would you mind sharing the date of issue and cost to see how far this conspiracy goes?
I think all the people who have problems with Rosie address the problem with her or her company. Any lawyer should know better than to air anyones laundry in public. This shit that passes on an open forum is ridiculous and I do not know why the moderators permit this.
For what it's worth, I have never met Rosie , but have talked to her on the phone when I was in need and she helped me. I just bought car insurance from pro alliance and in the future maybe property insurance. Rosie will take care of this, I am sure, whether you kind folks continue to bash her or not. My 2 cents!
I think all the people who have problems with Rosie address the problem with her or her company. Any lawyer should know better than to air anyones laundry in public. This shit that passes on an open forum is ridiculous and I do not know why the moderators permit this.
For what it's worth, I have never met Rosie , but have talked to her on the phone when I was in need and she helped me. I just bought car insurance from pro alliance and in the future maybe property insurance. Rosie will take care of this, I am sure, whether you kind folks continue to bash her or not. My 2 cents![/ I think today's Information Age can be good and bad. It doesn't seem to me that people want to hurt Rosie but being a part time visitor it's important to have a forum like this to help make educated decisions. All I've seen mostly on this thread is people wanting answers for legitamet questions.
I think all the people who have problems with Rosie address the problem with her or her company. Any lawyer should know better than to air anyones laundry in public. This shit that passes on an open forum is ridiculous and I do not know why the moderators permit this.
For what it's worth, I have never met Rosie , but have talked to her on the phone when I was in need and she helped me. I just bought car insurance from pro alliance and in the future maybe property insurance. Rosie will take care of this, I am sure, whether you kind folks continue to bash her or not. My 2 cents!
I have never met Rosie and have no plans in that regard, but to suggest these "irregularities" should not be exposed, and should be covered up, and edited out by the moderator, is irresponsible to the extreme. If it fact folks were paying good money for fake policies that "went astray" before it reached the Insurance company, do you have any idea the problem there would be if a home burned to the ground, or you had a car accident where a local was badly injured? Any suggestion Pro Alliance would cover the loss from her own resources is naive.
This thread has turned into a festering wound, just seems some people just want to pick at it,
and pick at it more.
I suggest, put a band aid on it and let it heal a bit.
I am waiting on my amended policy to get issued from Pro Alliance and will know this week if it's
been done. I will get back with you on the outcome.
The only thing we possibly know is that 12-13 (possibly a few more) policies through Mapfre are in question canceled for mis-payment or lack off or who knows what, we will probably never hear the whole story.
It doesn't matter when this gets finally gets straightened out.
There are a few people here who keep throwing fuel on the flames, just to see the fire flame,
I am just amazed at all the allegation's that were thrown at Rosie, someone who has served clients
in RP for over 8 years. Personally I find it, Just Sad.
I expect a good outcome to this, just give it the necessary time to get corrected.
If not, there are other insurance agents around, I doubt who would serve you any better.
I have only been with Pro alliance for 15 months, also pretty happy with the service and results.
I was with another RP insurance company for 20+ years and found Pro Alliance to be a good move for me.
If I've read the blog right, there are 12-13 people who belong to this forum who allege they have no insurance either caused by no payment or because the entire policy is a fake. I think ProAlliance likely has a lot more clients who do not belong to this blog.
Does anyone know how much money just these 12-13 people claim to have lost?
I hope non of this is true, but if any is true, I think forgetting to send the customer's premium to the company is bad enough, but taking steps to fabricate a policy number goes way beyond not paying. I have to be doubtful a person of average smarts and sanity would ever try something like this and expect nobody would notice. As I see no suggestion Mrs Glover is below average in the cabeza, I think she owes her audience an explanation about the fake policy numbers. I can't forget the fact that whether she forgot to send in the money, or she had no intention to send in the money, the customer had no insurance. A car accident with no insurance means serious prison time ib a Mexican prison.
I suggest Mrs Glover send a denial, or explanation, of the phoney policies and where the money went for the real policies that were cancelled for no payment by her, so a lot of trusting people will sleep a lot better and this forum can get back to bashing the Cruise Ship Port !
"I suggest Mrs Glover send a denial, or explanation, of the phoney policies and where the money went for the real policies that were cancelled for no payment by her, so a lot of trusting people will sleep a lot better and this forum can get back to bashing the Cruise Ship Port !"[/QUOTE]
Daniel this matter is most likey just sloppy book work.The first 8 months of the cruise ship mess is a first class criminal conspiracy by politicos and at least one narco against the people of Sonora.
If anything I've seen here is true : I suggest she tell folks it's sloppy book work by her, or whoever, and then explain who created the phoney policy #'s ( while doing sloppy book work ) and then explain at the same time where the money went. It's clear it never made it to the Insurance companies. She must have some serious unexplained funds kicking around. It will say a lot if she trots out the check book and gives refunds. I say this only presuming you all who claim to have lost money are telling the truth.
Has anyone heard from ProAlliance in the last 48 hours? I thought she would be pulling double shift to get past this. Is the office still occupied?
"I suggest Mrs Glover send a denial, or explanation, of the phoney policies and where the money went for the real policies that were cancelled for no payment by her, so a lot of trusting people will sleep a lot better and this forum can get back to bashing the Cruise Ship Port !"
Daniel this matter is most likey just sloppy book work.The first 8 months of the cruise ship mess is a first class criminal conspiracy by politicos and at least one narco against the people of Sonora.[/QUOTE]
No, It's more like 2-5 on this forum and the rest aren't customers or forum members, but want
to be in the middle of the fire.
It will all get sorted out, worst case scenario we have to get insurance from someone else,
but I don't anticipate that in spite of the flamers. Rosie's firm isn't a fly by night outfit from what I've
seen over the past 15 months. It will get sorted out.
In my practice I have seen people literally give up their life to vouch for someone. I have heard statements such as 'I have done business with this person for decades, had them in my wedding, lived with them, their my parent, child, etc'. I have seen emotions and feelings about someone cloud their judgement on hundreds of occasions.
I still don't understand how making up policies is just a mistake or something that can just be sorted out.
These are issues that in the states would be taken very seriously by various entities. I am glad though that some are getting the opportunity to call the carrier and find out the status of their policy. Unfortunately, we don't have the safety measures we have in the states. we literally have to find out in forums what is going on in order to proactively protect ourselves. This unfortunate topic might end up being one of the most important on this forum.
I don't know this person or business. I only see the results.
I have never met Rosie and have no plans in that regard, but to suggest these "irregularities" should not be exposed, and should be covered up, and edited out by the moderator, is irresponsible to the extreme. If it fact folks were paying good money for fake policies that "went astray" before it reached the Insurance company, do you have any idea the problem there would be if a home burned to the ground, or you had a car accident where a local was badly injured? Any suggestion Pro Alliance would cover the loss from her own resources is naive.
The information is a good thing. The unfriendly banter is a bunch of bullcrap. Why can't we state facts and leave the BS out of it. I never suggested what this clown is writing about, read what I wrote please, you are the person editing my words.
I agree with Jerry on this mess thinking this is more about sloppy bookkeeping than fraud. And I'll bet the errors are being made on both ends, ProAlliance & Mapfre. It is good this all surfaced before there was a major claim for everybody's sake, but the ongoing repetitive bashing is getting ridiculous. How many times do the same things need to be said? It's like beating a dead horse, enough is enough. If this turns out to be a joint bookkeeping error, there will be people eating crow for a long time.
I still don't understand how making up policies is just a mistake or something that can just be sorted out.
I don't know this person or business. I only see the results.
Hey, you forgot to post the contact information for Mapfre !!! :D:D:D
I just realized that Mapfre has a boat in the round the world Volvo Ocean Race that started yesterday. I have a friend in the race and am following it closely and kept seeing the boat Mapfre and it is one and the same. Mapfre insurance out of Spain.
I have never met Rosie and have no plans in that regard, but to suggest these "irregularities" should not be exposed, and should be covered up, and edited out by the moderator, is irresponsible to the extreme. If it fact folks were paying good money for fake policies that "went astray" before it reached the Insurance company, do you have any idea the problem there would be if a home burned to the ground, or you had a car accident where a local was badly injured? Any suggestion Pro Alliance would cover the loss from her own resources is naive.
It's clear to me that we must continue with our audit and issue replacement policies and reimbursements to some clients. Once that is done, I'll be better able to address the questions you raise. Even posting on this forum and answering your questions is secondary to speaking to my clients individually.
By the way, I am calling out jamesishere as someone who doesn't appear to have been a client of ours.
Hey, you forgot to post the contact information for Mapfre !!! :D:D:D
Thank you for the reminder. Considering the thread is deep and some are finding out that the policy #'s are not real policy#'s, it may be a good time to post the contact info for the insurance carrier so that one can find out if they actually have a policy...
1. The problem extends to only Mapfre policies.
2. People concerned that their places might have suffered rain damage should remember that Mapfre doesn't offer Hydro coverage to beachfront properties. Beachfront is considered anything within 500 meters from the highest tide.
3. All auto policies and all ACE, AXA, GNP, driver's license policies etc. are in place and current
4. One of the reasons I suggest ACE is that payment is made by credit card directly to the underwriter. Even when that isn't done, their system is set up to charge me for all policies issued at the end of each month.
5. After all is said and done I intend to post a recap for the purposes of transparency, keeping clients names and unit numbers out, of course.
6. I feel that some on this forum are asking for explanations that I can't yet give. I have no problem with being in the hot seat...the screwup was mine, after all. What I don't want to do is answer questions only to have my those answers tossed aside as excuses. If we're allowed to first complete the audit, the answers will obviously be more conclusive.
7. One thing we have found is that not everyone with an invalid policy is in the same boat. Here are the differences:
A. 5 policies where the numbers don't coincide. These are the most worrisome and we're going to pinpoint where these originated. Refunds and/or replacement policies are being offered to all.
B. 15 policies that were cancelled for lack of payment, although the client file clearly shows proof that payment was made to our office. These clients are being offered a full refund or a one year policy.
C. Sometimes due to an error on a Mapfre policy or if payment has taken longer than one month to pay, we'll cancel that one and reissue a new one. We've found 14 in this category. The original policy number was expired but there was a new one in place.
D. Sometimes a deposit is made into the account and the client doesn't inform us that payment has been made. Usually we keep an eye on that and see who makes deposits, but (especially if it's made in cash), there's no client name so we won't know whom to credit for that payment. It's just helpful to get a heads up that payment was made. We found 4 of these that were cancelled because we had no idea payment had been made.
Lastly:
1 person posted that he's affected although he isn't a client of ours.
3 people have contacted our office for a full refund...even though they weren't clients of ours
As of right now, 2 clients have opted for a full refund. 8 have stayed with us and renewed with Mapfre. The rest we've spoken with have stayed with us and transferred to ACE.
"I have no problem with being in the hot seat...the screwup was mine, after all."
It's admirable you are dealing with this problem. A sizeable number of Rocky Talk members report their insurance policies have been faked by someone, and others paid but the money never left your personal USA account. We are all confident you are perfectly honest. A few of us have been working together and with their help these are a few question we all are asking. We are confident your answers should put this all behind this forum:
1. you said earlier you had hundreds, or thousands, of customers. Maybe 2 dozen have reported to this forum about getting no insurance they paid for. What is the insurance status of all the other hundreds, or thousands, who don't know anything about this forum? Can you assure this forum there are no more than 24 folks TOTAL who paid you for protection, but got none?
2. of the 24 forum members who paid, but their money never made it to Mapfre, or whichever Company, where did the money go, and where is it now?
3. for the 24 who paid but got no insurance, would an estimate of 12,000 USD be a fair estimate of the vanished premiums for these 24 folks?
4. do you feel there could possiby be more than 24 folks who paid, but have no insurance, or do you say this group of 24 is the maximum? This question duplicates one above, but having your assurance twice would be helpful.
4. for the 5 forum members who got fabricated policy #'s, given you say the screw-up was yours, do you personally admit creating those numbers? If not, whom do you blame for this act? Is it possible some new computer system in your office came up with the policy #s on its own? Have you fired any staff members because of this? Phoney policies are not an error or omission, and are very serious.
5. can you assure this forum no more than 5 families got fake numbers, or is it possible there could be more than 5 from your hundreds of customers?
6 have you shared any of this info with the actual insurance companies, and if so, have they issued any apologies or explanations you can share with us ?
7 if the Insurance companies are at fault, why are you personally offering refunds or free policies?
8 We've learned from Insurance friends that tracking direct deposits to the agent's account can lead to temporary confusion and errors. They also say that with some work it gets sorted out and funds are eventually matched with policies. Are the 4 folks in this category members of this forum, or do you say the 4 folks are the total from your thousands of customers?
9 if the premiums from these 4 folks would have totalled around 2000 USD, where are those funds now? What did you do with these "mystery" funds? Do you still have those funds?
10. when you received "unknown" money by 4 seperate deposits to your personal USA account ( representing 4 folks who were trying to pay for their policy), did your records ever red-flag 4 files where booked policies appeared to be unpaid? This would have prompted you to contact the homeowner and ask why there was no payment. Did you do this?
10. what experience did you have, prior to Mexico, in an Insurance office? If so, where and what was the name and location?
11. you are processing $ hundreds of thousands of US Dollar premiums each year, and selling Millions of Dollars of Insurance protection from major life-changing losses. You are not bonded in Mexico, as you would be in USA. For most of us, the loss of a home in Mexico, if there was no insurance, would wipe out most of our retirement assets. Having absolute faith in an isurance agent is vital. Please tell us your background/history prior to Mexico to assure us there is nothing to worry about. We all here very much want to trust you and want to see you have done nothing illegal.
"I have no problem with being in the hot seat...the screwup was mine, after all."
It's admirable you are dealing with this problem. A sizeable number of Rocky Talk members report their insurance policies have been faked by someone, and others paid but the money never left your personal USA account. We are all confident you are perfectly honest. A few of us have been working together and with their help these are a few question we all are asking. We are confident your answers should put this all behind this forum:
1. you said earlier you had hundreds, or thousands, of customers. Maybe 2 dozen have reported to this forum about getting no insurance they paid for. What is the insurance status of all the other hundreds, or thousands, who don't know anything about this forum? Can you assure this forum there are no more than 24 folks TOTAL who paid you for protection, but got none?
2. of the 24 forum members who paid, but their money never made it to Mapfre, or whichever Company, where did the money go, and where is it now?
3. for the 24 who paid but got no insurance, would an estimate of 12,000 USD be a fair estimate of the vanished premiums for these 24 folks?
4. do you feel there could possiby be more than 24 folks who paid, but have no insurance, or do you say this group of 24 is the maximum? This question duplicates one above, but having your assurance twice would be helpful.
4. for the 5 forum members who got fabricated policy #'s, given you say the screw-up was yours, do you personally admit creating those numbers? If not, whom do you blame for this act? Is it possible some new computer system in your office came up with the policy #s on its own? Have you fired any staff members because of this? Phoney policies are not an error or omission, and are very serious.
5. can you assure this forum no more than 5 families got fake numbers, or is it possible there could be more than 5 from your hundreds of customers?
6 have you shared any of this info with the actual insurance companies, and if so, have they issued any apologies or explanations you can share with us ?
7 if the Insurance companies are at fault, why are you personally offering refunds or free policies?
8 We've learned from Insurance friends that tracking direct deposits to the agent's account can lead to temporary confusion and errors. They also say that with some work it gets sorted out and funds are eventually matched with policies. Are the 4 folks in this category members of this forum, or do you say the 4 folks are the total from your thousands of customers?
9 if the premiums from these 4 folks would have totalled around 2000 USD, where are those funds now? What did you do with these "mystery" funds? Do you still have those funds?
10. when you received "unknown" money by 4 seperate deposits to your personal USA account ( representing 4 folks who were trying to pay for their policy), did your records ever red-flag 4 files where booked policies appeared to be unpaid? This would have prompted you to contact the homeowner and ask why there was no payment. Did you do this?
10. what experience did you have, prior to Mexico, in an Insurance office? If so, where and what was the name and location?
11. you are processing $ hundreds of thousands of US Dollar premiums each year, and selling Millions of Dollars of Insurance protection from major life-changing losses. You are not bonded in Mexico, as you would be in USA. For most of us, the loss of a home in Mexico, if there was no insurance, would wipe out most of our retirement assets. Having absolute faith in an isurance agent is vital. Please tell us your background/history prior to Mexico to assure us there is nothing to worry about. We all here very much want to trust you and want to see you have done nothing illegal.
Do you have insurance through Proaliance or are you just curios?
Do you have insurance through Proaliance or are you just curios?
I would assume that if she is asking those detailed questions that she is either with ProAlliance or else an HOA board member at Las Palomas.....maybe both.
As a business person I have made mistakes. As a business owner my employees have made mistakes and some have ripped me and my customers off. It is easy to stand on the sidelines and say that the owner was corrupt, lying, covering things up and planned it. Sometimes as owners we get complacent and sometimes we trust our employees too much and we get burned. As a long time customer of ProAlliance for both auto and condo insurance I understand that an unfortunate situation took place. I believe that accepting responsibility for it, making it right with whomever and put checks in-place to make sure it doesn’t take place again is good enough to me. I would like to know of those asking questions how many have policies with ProAlliance? Has anyone lost money or been denied a claim? I understand the “at risk” and the what “if’s” but I’m talking loss.
As a business person I have made mistakes. As a business owner my employees have made mistakes and some have ripped me and my customers off. It is easy to stand on the sidelines and say that the owner was corrupt, lying, covering things up and planned it. Sometimes as owners we get complacent and sometimes we trust our employees too much and we get burned. As a long time customer of ProAlliance for both auto and condo insurance I understand that an unfortunate situation took place. I believe that accepting responsibility for it, making it right with whomever and put checks in-place to make sure it doesn’t take place again is good enough to me. I would like to know of those asking questions how many have policies with ProAlliance? Has anyone lost money or been denied a claim? I understand the “at risk” and the what “if’s” but I’m talking loss.
"I have no problem with being in the hot seat...the screwup was mine, after all."
It's admirable you are dealing with this problem. A sizeable number of Rocky Talk members report their insurance policies have been faked by someone, and others paid but the money never left your personal USA account. We are all confident you are perfectly honest. A few of us have been working together and with their help these are a few question we all are asking. We are confident your answers should put this all behind this forum:
1. you said earlier you had hundreds, or thousands, of customers. Maybe 2 dozen have reported to this forum about getting no insurance they paid for. What is the insurance status of all the other hundreds, or thousands, who don't know anything about this forum? Can you assure this forum there are no more than 24 folks TOTAL who paid you for protection, but got none?
2. of the 24 forum members who paid, but their money never made it to Mapfre, or whichever Company, where did the money go, and where is it now?
3. for the 24 who paid but got no insurance, would an estimate of 12,000 USD be a fair estimate of the vanished premiums for these 24 folks?
4. do you feel there could possiby be more than 24 folks who paid, but have no insurance, or do you say this group of 24 is the maximum? This question duplicates one above, but having your assurance twice would be helpful.
4. for the 5 forum members who got fabricated policy #'s, given you say the screw-up was yours, do you personally admit creating those numbers? If not, whom do you blame for this act? Is it possible some new computer system in your office came up with the policy #s on its own? Have you fired any staff members because of this? Phoney policies are not an error or omission, and are very serious.
5. can you assure this forum no more than 5 families got fake numbers, or is it possible there could be more than 5 from your hundreds of customers?
6 have you shared any of this info with the actual insurance companies, and if so, have they issued any apologies or explanations you can share with us ?
7 if the Insurance companies are at fault, why are you personally offering refunds or free policies?
8 We've learned from Insurance friends that tracking direct deposits to the agent's account can lead to temporary confusion and errors. They also say that with some work it gets sorted out and funds are eventually matched with policies. Are the 4 folks in this category members of this forum, or do you say the 4 folks are the total from your thousands of customers?
9 if the premiums from these 4 folks would have totalled around 2000 USD, where are those funds now? What did you do with these "mystery" funds? Do you still have those funds?
10. when you received "unknown" money by 4 seperate deposits to your personal USA account ( representing 4 folks who were trying to pay for their policy), did your records ever red-flag 4 files where booked policies appeared to be unpaid? This would have prompted you to contact the homeowner and ask why there was no payment. Did you do this?
10. what experience did you have, prior to Mexico, in an Insurance office? If so, where and what was the name and location?
11. you are processing $ hundreds of thousands of US Dollar premiums each year, and selling Millions of Dollars of Insurance protection from major life-changing losses. You are not bonded in Mexico, as you would be in USA. For most of us, the loss of a home in Mexico, if there was no insurance, would wipe out most of our retirement assets. Having absolute faith in an isurance agent is vital. Please tell us your background/history prior to Mexico to assure us there is nothing to worry about. We all here very much want to trust you and want to see you have done nothing illegal.
1. Our records don’t show the number as 24. I posted the real numbers over the weekend. Those numbers aren’t restricted to members of this forum. They reflect the total we’ve found to date as a result of the audit.
2. If money was misappropriated it will be discovered. In the meantime I will proceed with the priorities I’ve laid out in other posts.
3. No. there’s no way it would reach even half that amount. The average policy is about $150 dollars. Some are higher, so let’s say $200. That means that as of right now we’re talking about $3,600
4. Although we haven’t reached 24 affected policies, it’s conceivable that we might. I can’t say with assurance until we’ve completed our audit.
4. HELL NO…I never fabricated anything. I explained in an earlier post that I assume full responsibility because I’m responsible for everything that happens in my business. Always have been, always will be. If I blame someone else, I certainly won’t do so publically without indisputable proof. We have had a turnover of staff and everything is being looked over very carefully.
5. First of all, when I issue an assurance, it will be to my clients. Secondly, how can I know now what the final outcome of the audit will be?
6. Everyone should be aware that I have spoken at length not only with that carrier, but with our other insurance providers as well as with our agents in Chihuahua. I don’t understand what they would have to apologize for. The problems seem to have originated in our office.
7. I’m not blaming the underwriter. Yes, we found a few inconsistencies on their end, but nothing that would void the policy. Make no mistake…I’m not offering free policies. People have paid us for policies that aren’t valid or have expired due to lack of payment. Those people trusted us. It’s clear to me that the responsibility to make things right lies with me.
8. I have no way of knowing who’s on this forum and who isn’t. Any numbers I share are the total of what we’ve found overall.
9. Mystery funds? Obviously when that occurs, we’re aware a deposit was made. The problem is we don’t know how to apply it. We leave that alone until someone comes forward to let us know it was theirs. Once we learned of those 4, the same offer to reimburse or emit a new policy was made to them. The reason I like the ACE policies is that clients pay with a credit or debit card directly to the carrier’s account. Even those clients who choose to pay with cash or check aren’t risking anything because at the end of the month every single unpaid policy is charged against my commissions, so there are no automatic cancellations.
10. This is part of where the breakdown has occurred. Files that we think haven’t been paid are separated and from time to time I will go through and personally contact people. This time, because I’ve been dealing with personal issues, I didn’t do my part by contacting those clients.
11. My experience is enough to have kept me in good standing for all these years on both sides of the border.
12. This is actually a pretty smart question. I was in Real Estate for 28 years in the US, (licensed in 3 States) and 4 more years here. I was a top-producing sales agent and there’s never been a hint of trouble. The worst skeleton in my closet is an ex-husband or two. I am 63 years old, mother of 5 (3 biological, 1 adopted and 1 stepson) and although they didn’t all come to me as infants or in the usual manner, they are all equally mine. I have 6 grandchildren and 1 great-grandson.
The most relevant thing I can tell you about my history is this:
Several years ago, while transitioning from real estate to insurance, I sold the land in Las Conchas that you come to just before you get to Tessoro. According to my contract with my broker, the $2.5 MILLION dollar commission was to be split 70%/30% with me getting the 70. I could’ve done what others have done and decide to go solo, proceed with the transaction as an independent agent and been a millionaire. It never even came close to happening. That’s not me. And even though I eventually got paid only a fraction of what I should’ve received and then was ripped off for $100,000 of what I did collect, I’ve never once regretted doing what was right. At age 55 I had to start from scratch. I was scared shitless but I sued and it went all the way to the Supreme Court in Mexico. I won at each level and while I haven’t yet collected, the interest is accruing at a hefty rate. It was tough, but so am I. I sold my boat, my truck, and anything else I could, just to keep ProAlliance afloat and pay my employees. I drove around in the ugliest pickup in town and didn’t worry about it. All without once regretting that I didn't act unethically and take that commission with me as an independent. It would’ve changed who I am…and I’m too old to reinvent myself.
1. Our records don’t show the number as 24. I posted the real numbers over the weekend. Those numbers aren’t restricted to members of this forum. They reflect the total we’ve found to date as a result of the audit.
2. If money was misappropriated it will be discovered. In the meantime I will proceed with the priorities I’ve laid out in other posts.
3. No. there’s no way it would reach even half that amount. The average policy is about $150 dollars. Some are higher, so let’s say $200. That means that as of right now we’re talking about $3,600
4. Although we haven’t reached 24 affected policies, it’s conceivable that we might. I can’t say with assurance until we’ve completed our audit.
4. HELL NO…I never fabricated anything. I explained in an earlier post that I assume full responsibility because I’m responsible for everything that happens in my business. Always have been, always will be. If I blame someone else, I certainly won’t do so publically without indisputable proof. We have had a turnover of staff and everything is being looked over very carefully.
5. First of all, when I issue an assurance, it will be to my clients. Secondly, how can I know now what the final outcome of the audit will be?
6. Everyone should be aware that I have spoken at length not only with that carrier, but with our other insurance providers as well as with our agents in Chihuahua. I don’t understand what they would have to apologize for. The problems seem to have originated in our office.
7. I’m not blaming the underwriter. Yes, we found a few inconsistencies on their end, but nothing that would void the policy. Make no mistake…I’m not offering free policies. People have paid us for policies that aren’t valid or have expired due to lack of payment. Those people trusted us. It’s clear to me that the responsibility to make things right lies with me.
8. I have no way of knowing who’s on this forum and who isn’t. Any numbers I share are the total of what we’ve found overall.
9. Mystery funds? Obviously when that occurs, we’re aware a deposit was made. The problem is we don’t know how to apply it. We leave that alone until someone comes forward to let us know it was theirs. Once we learned of those 4, the same offer to reimburse or emit a new policy was made to them. The reason I like the ACE policies is that clients pay with a credit or debit card directly to the carrier’s account. Even those clients who choose to pay with cash or check aren’t risking anything because at the end of the month every single unpaid policy is charged against my commissions, so there are no automatic cancellations.
10. This is part of where the breakdown has occurred. Files that we think haven’t been paid are separated and from time to time I will go through and personally contact people. This time, because I’ve been dealing with personal issues, I didn’t do my part by contacting those clients.
11. My experience is enough to have kept me in good standing for all these years on both sides of the border.
12. This is actually a pretty smart question. I was in Real Estate for 28 years in the US, (licensed in 3 States) and 4 more years here. I was a top-producing sales agent and there’s never been a hint of trouble. The worst skeleton in my closet is an ex-husband or two. I am 63 years old, mother of 5 (3 biological, 1 adopted and 1 stepson) and although they didn’t all come to me as infants or in the usual manner, they are all equally mine. I have 6 grandchildren and 1 great-grandson.
The most relevant thing I can tell you about my history is this:
Several years ago, while transitioning from real estate to insurance, I sold the land in Las Conchas that you come to just before you get to Tessoro. According to my contract with my broker, the $2.5 MILLION dollar commission was to be split 70%/30% with me getting the 70. I could’ve done what others have done and decide to go solo, proceed with the transaction as an independent agent and been a millionaire. It never even came close to happening. That’s not me. And even though I eventually got paid only a fraction of what I should’ve received and then was ripped off for $100,000 of what I did collect, I’ve never once regretted doing what was right. At age 55 I had to start from scratch. I was scared shitless but I sued and it went all the way to the Supreme Court in Mexico. I won at each level and while I haven’t yet collected, the interest is accruing at a hefty rate. It was tough, but so am I. I sold my boat, my truck, and anything else I could, just to keep ProAlliance afloat and pay my employees. I drove around in the ugliest pickup in town and didn’t worry about it. All without once regretting that I didn't act unethically and take that commission with me as an independent. It would’ve changed who I am…and I’m too old to reinvent myself.
Yes Rosie, I was a client of yours for a few years, and you helped me gratis with a very contentious real estate dispute in which I eventually prevailed.
I feel that the time may have come for you to cease defending yourself against these unfounded accusations, as you have been, and are totally forthcoming in my opinion. Would any sane person risk and jeopardize a decades' long reputation for a few thousand dollars....and then remain present for all of this?
It seems that there will always be those who know more than others, and are very pleased to pontificate to the rest of us.
I am confident that once your diligence has been completed, you will explain all, and the methods you've put in place to prevent a recurrence.
Yes, I too am tired of this thread, but my confidence and trust in you remains. I know you will remain strong.
Some people may be tiring of this thread, but I'm glad it's here and appreciate the information.
I have been a customer of ProAlliance for a couple of years and I've always received great service.
I was originally an auto insurance customer and more recently, because of the great service I received, I switched my condo insurance over to Mapfre through ProAlliance.
I had not heard from Rosie or Paty or anyone from ProAlliance, as to whether I might be one of the problem policies. I only knew what I read here on the forum.
Yesterday, as a precaution, I emailed Gerardo González Eguía at Mapfre to confirm that I had a valid policy. Today, I received an email back that my policy was cancelled for non-payment.
I've left a message a ProAlliance and sent Rosie a copy of the cancelled check that cleared my account for payment. I like Rosie and have been a satisfied customer of ProAlliance, but I hope I get some real answers soon!
While I don't agree with everything dryheat has posted here, I do agree that customers should independently check with Mapfre as to the status of their policies!!!
