Sub: These people are crooks!!!
I saw the red flags, but thought the potential payoff would be worth the risk of even a few excellent, high net worth appointments. Alas, not only were the appointments fake, they were potentially quite damaging to my reputation. The phone solicitors lied to the prospects that they actually represented the Hartford Insurance Company and pretended to have personal information about their accounts. On the first appointment I was thrown out upon telling them that I was an independent financial adviser. It made no sense to me at the time, but in retrospect, they most likely originally thought I was from The Hartford. The second appointment calmed down after answering the door in an outrage. They almost called the police, as they demanded to the phone solicitor that no one be sent to their home. It was from these people that I learned of the fraudulent manner the appointments were set. I called the next appointment to find a similar story. That gentleman also specifically told them that he did not want an appointment and thanked me for calling first.
I did attempt to resolve this with them and obtain a refund. Let me just say that it wasn't a profitable exercise. The last fellow I spoke with, Mark Christensen, launched into how much money he makes people with his appointments (supposedly manages the call center) and how I must not know how to do my job if I can't make money with him.
There is no integrity with this company. They are aware that they aren't doing good business and don't care. If you've sent them a a check, put a stop payment on it if you can. They are likely banking on the fact that no one will find it worthwhile to sue them over between $1,000 and $2,500. I'm adding a complaint to the Better Business Bureau website now. There were none there before, but now some exist. I'm also submitting a complaint to the Attorney General's Office of Consumer Affairs in California. Further, I will be letting Hartford know about their marketing tactics. If you've been taken, I suggest that out of public responsibility you make public complaints as well. Maybe others will be saved from this grief.