"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.
