The most trusted and popular consumer complaints website
Explore your opportunities! Create an account or Sign In

XL Life Membership / Pyramid Scheme

1 Singapore Review updated:
Contact information:

A Get Rich Quick Scam Promoter, the subject of a nation wide consumer caution in the United Kingdom, Australia and the US will be Singapore on the 27th February on a whistle stop visit to sell a life membership into a business network for $12,000.

Mr Roger Hamilton, Chairman of XL Results Foundation Pte Ltd
registered in the Republic of Singapore (Company registration no: 200107729C) is under suspicion of operating a multi million dollar global pyramid scheme duping thousands of consumers internationally.

Mr Hamilton was the subject of a Singapore community petition in 2006 when 100 Singaporean XL members demanded their money back claiming Mr Hamilton had duped and cheated them and money promised for charity had been pocketed.

Allegations against Roger Hamilton and XL Results Foundation include:

Competition Edge the umbrella company of XL Results Foundation sold shares without a prospectus.

Members were induced to recruit new members into the scheme by way of a commission offered by Roger Hamilton.

10% of all XL Results Foundation revenue was promised to charity but was not given. XL is a private limited company linked to a post box in the Seychelles and not a Foundation.

XL Results Foundation is using public monies to pay its legal fees to keep the scam alive.

Roger Hamilton will be promoting and selling his XL Results Foundation life membership in Singapore at a breakfast event:

Wednesday 27th February, 2008
Venue: Topaz Room
Sheraton Hotel, Singapore
Time: 7.30am

XL Results Foundation is facing increasing international media attention as details of the scam unravel.

Sort by: UpDate | Rating


  • Xl
      14th of May, 2008
    0 Votes


    XL Results Foundation are pleased to announce a positive outcome to the recent legal case related to various allegations against Roger Hamilton and XL. These claims are similar to those found on interrelated and inter-referencing blogs posted on /link removed/, and along with other blogs and anonymous emails sent to our members and partners over the last three years.

    On March 24th 2008, Linda Ruck, the defendant in the legal case that XL brought regarding many negative and untrue claims against the company, signed a full written confirmation, retraction & undertaking by a consent court order in the Singapore Subordinate Courts.

    The undertaking includes:

    1. A confirmation that she has been involved in approaching via email, and/or otherwise including postings on internet forums, blogs, websites and other means, various parties including the media, consumer groups, our members and partners.

    1. An unreserved retraction of her allegations against Roger Hamilton, XL, and XL stakeholders and an unconditional acceptance that these are untrue and/or inaccurate. The retracted allegations range from claims of illegal activities, no money going to charity, misappropriation of funds, criminal investigations, fraudulent conduct and a withdrawal of her claim on pyramid sales – which are similar to all the claims found on the various emails and blogs.

    1. An undertaking not to conduct or continue with any ongoing campaign against Roger and XL (through herself, anonymously or otherwise) and not to spam, blog or communicate with XL Members, XL stakeholders or the media to make negative comments about XL.

    1. An undertaking to cease harassing XL, its members, partners and associated parties.

    XL is glad to put the legal conclusion of this chapter behind itself and to have received vindication against all the claims that have been made through the Singapore Court System. A copy of the Consent Order of Court and full Confirmation, Retraction & Undertaking can be viewed at

    XL Board of Directors
    For the latest on the growth of World Wide Wealth, visit

  • Py
      3rd of Jun, 2008
    0 Votes

    The posting by XL Results Foundation is classic text book behavior of a scam.

    Scams protest their innocence, litigatious and mired in controversy. They spread lies, bully critics, attempt to suppress negative media and complaints and will go to extreme measures to mislead and confuse the community to keep the scam alive.

    A pyramid scheme is a non-sustainable business model that involves the exchange of money primarily for enrolling people into the scheme.

    The distinguishing feature of these schemes is the fact that the product being sold has little to no intrinsic value of its own or is sold at a price out of line with its fair market value. The costs for these "products" can range up into the hundreds or thousands of dollars.

    Pyramid schemes create no wealth they only move existing wealth.

    The key identifiers of a pyramid scheme include:

    • A highly excited pressured sales pitch.
    • A reassurance that it is not in fact a pyramid scheme, possibly with a false account of what a pyramid scheme is.
    • Little to no information offered about the company unless an investor purchases the products and becomes a participant.
    • No product, or a product being sold at a price ridiculously in excess of its real market value. As with the company, the product is vaguely described.
    • An income stream that chiefly depends on the commissions earned by enrolling new members or the purchase by members of products for their own use rather than sales to customers who are not participants in the scheme.
    • A tendency for only the early investors/joiners to make any real income.
    • Assurances that it is perfectly legal to participate.

    The FTC also warns that the practice of getting commissions from recruiting new members is outlawed as "pyramiding."[9].

    The scale of harm is enormous, with millions of dollars stolen. Perpetrators use trickery, loopholes in laws and psychological manipulation.

    The disguises, rationalizations and defenses have a similar ring. Perpetrators claim they are uplifting people, creating new opportunity, and teaching a new and better way to live and prosper.

    As in all such abuses of the past, huge amounts of money are spread to peddle influence, stave off regulation, and maintain the false portrayal of legitimacy. Critics are vilified and threatened with lawsuits as "anti-business" and "losers."

    The element of the pyramid scheme that has the most in common with past abuses is its appeal to economic justification. Deceptive practices which take money from millions of unwitting people and enrich a small group of promoters and perpetrators are defended as "legitimate business, " helping to build the economy, employ people, and provide economic opportunity.

    As an increasing amount of people are scammed the company will come to the attention of the media and authorities.

    The promoter cannot raise money fast enough to keep the scam alive and the scam will collapse. Pyramid schemes are illegal.

    Victims of pyramid schemes are advised to contact the Department of Fair Trade.

  • Fr
      12th of Jun, 2008
    0 Votes

    Beware of Roger Hamilton and XL Results Foundation

    Shonky Operator

    I recently received an invitation to a presentation in Wellington by Roger Hamilton from XL Results Foundation.

    The topics of the meeting included personal profiling, wealth creation, and business success. I figure I always have something to learn.

    He does this all around the world.

    I attended the evening event, and also the follow-up breakfast meeting the following morning. What I witnessed was quite disturbing - to the extent that I am moved to comment on it, as well as to alert the organisation that promoted it to me.

    Roger Hamilton is an interesting and entertaining presenter. Give credit where credit is due. He is a clever guy, he shared some good ideas, and I learnt something for sure.

    However, his core purpose is not to inform. The whole thing is a sales process.

    Well, in business there's sales and there's sales. I am not qualified to comment on legalities, but I am surprised that what he is doing does not cross over the boundary into being classified in New Zealand as an illegal pyramid scheme.

    Either way, he certainly crosses the boundary of ethics and honesty, very skillfully using psychological techniques to deceive and manipulate.

    As a result, I saw a large number of people part with a large amount of money, for a product which is not worth a small fraction of what they paid, in response to vague and misleading information and straight out lies.

    Sure, they signed their names voluntarily, and people have a right to make their own impulsive decisions, and to pay money without doing due diligence if they so choose. So that's all accepted.

    But it's still a nasty scam.

    In researching about it afterwards, I found a number of web sites and blogs where others have similar concerns. On one of those, the author asks "How you feel when you hear about people being swindled in the same way - do you let it happen, ignore or speak out?" I think I will speak out at any opportunity.

    Having said that, I need to try and be succinct. So, what was for sale? Life Membership of Mr Hamilton's little club. What is the price? $NZ14, 500 per person if paid on the spot, or $NZ17, 500 if paid in instalments over 12 months. Is there an opportunity to review any hard information before making a commitment? No.

    Here's a brief overview of the sales process:

    The man with the gift of the gab gets everyone real hyped up.
    Those who "resonate" with the hype have to fill in the application form.
    After that you get told the price.
    After that, you compete to be one of the 5 who will be accepted (except that after the first 5, they keep accepting people anyway - there were 10 who took the plunge when I was there).
    After that, you have to give your credit card details, and sign the form which states no refunds.
    After that, you get some specific details about what you get for the money.
    Well, that last point is a tad unfair, I admit. During the course of the talk, you do get some snippets of information, in very emotive and general terms, about Life Membership. But certainly not enough to base a rational decision on.

    Pretty much what it comes down to is:

    Subscription to a monthly magazine - lots of advertising and the occasional interesting article.
    Potential benefits of social networking with other members. Sort of like a private LinkedIn.
    The opportunity to contribute to charities, in some undefined way.
    An income opportunity by getting a 10% cut of the membership fee of people you refer (this was not mentioned at the meeting, I found out about it later).
    Attendance at a whiz-bang function.
    Access to life/business coaching.
    $14, 500?? C'mon!

    On the face of it, the coaching aspect sounds like the most meaty of the offerings. But then, if I'm going to get coaching, I need to find a coach I can "click" with.

    I have no idea, of course, about any of the coaches within that organisation. There was one of them at the meeting I attended, and I sure wouldn't have "clicked" with him.

    But you would have to assume that the coaches are all people who at some stage have been through the same process I observed. That means they are not representative. It means they are people who are able to be swayed by excitement. It means they are people who have demonstrated their willingness to invest large amounts of cash without proper consideration. It means they do not have a well-developed ability to detect unethical behaviour. It means they are not for me.

    So that's the value for money aspect. But in the end, it is primarily the snake-oil tactics that I am upset about.

    Something just really got to me about this. Because I saw it first-hand, I suppose. It was certainly amazing to see the vulnerability of some folks, and to reinforce my belief in the concept of consumer protection.

    Which is simply my point... Watch out!

  • Di
      14th of Jun, 2008
    0 Votes

    Business Networking Scam hits Shanghai - XL Results Foundation

    May 20, 2008 – 7:52 pm

    This strays a bit from our usual Mingtiandi vein, but I just received a scam appeal to entrepreneurs that I thought might be worth warning folks about. I received two emails inviting me to an “Exclusive business breakfast meeting by invitation only!” from something cheesily called the “XL Results Foundation.”

    It seems this foundation is a bogus business networking scheme that bilks would-be entrepreneurs for membership money while providing them with non-existent training and networking opportunities. And I thought those dodgy financial consultants were bad! You can find out how the scam works from this posting on /link removed/ and this Australian report from Perth.

    In the mail, the XL Foundation describes itself as, “the world’s leading entrepreneur and social enterprise network.” But offers no grounds for this assertion. These tricksters from Singapore further assert that their ringleader will, “explain how Businessmen and Entrepreneurs can take advantage of emerging Business Opportunities in Asia-Pacific Region.” Evidently the secret to taking advantage of opportunities is tO cOmpletely Ignore all standards reGarding Capitalisation. and the grammar.

    It seems this pyramid scam has already made the rounds in Singapore, Indonesia and Australia and is now hoping to take advantage of the overly optimistic crowding the streets of Shanghai.

    If you get this same email as I did, just toss it in the bin and save your business cards for the next Chamber of Commerce meeting.

Post your comment