Okay I may be completelly off base here but I am wondering how this scam exactly goes. If someone signed up for a contract because it was the only way to get the money they needed then that is not a scam. If people signed up for an account telling them the numbers and they signed it however lost their jobs or the payments became to high then that is not a scam. I just need more information, if you do not think answering those questions is productive just delete this message. People today are in a economic downfall however that does not mean that they have been scammed.

Hey chansen,
To confirm, you and c.r.e.a.m. signed up with different IP addresses.

You wanted to close the thread, and I intended to respect that, but now you've asked a question, so I`ll do my best to answer, without name-calling.

Basically, there is no new information about the MMA. It has been debunked long ago. Its sales are in the toilet, and only a few agents even try any more. Those of us who have taken great offense to our friends or relatives being scammed, have done a pretty good job of taking the debate online. No agent has been able to prove the MMA is efficient in theory, or in practice. Any prospective client who Googles the MMA, will find our information, and become a lost sale.

The obfuscation you see from mortgagewriter is par for the course. An agent thinks he or she can salvage the reputation of the MMA with anecdotes and condescension, and just keeps posting, telling us how "amusing" the "naysayers" are. I can link you to literally thousands of similar exchanges. None of them address the broken math of the MMA software, and none substantiate the claims of savings.

United First Financial does not want this, and have repeatedly told agents to stop the online debate. The more these exchanges go on, the higher these exchanges are ranked in Google. Agents, including mortgagewriter, have unwittingly contributed to the demise of the MMA.

I don't know why I got involved. I shouldn't have bothered. But by now, I'm looking forward to seeing the company fade away.

*****

What I didn't appreciate earlier, is being accused of having a sockpuppet account. Every forum software I'm aware of logs the IP from each post. montyloree, if you would be so kind, would you mind confirming that cream and I are not the same person? Thanks.

name calling doesn't really prove any points...
I'm not sure the thread is entirely productive... or is it?
Are we uncovering new ground and new facts?

Not sure why you''d care if this runs on and on, wouldn't that help your HIT count - i.e. advertising revenue? That use to be a high-priority of your's in the past, so I'm just probing here Monty. Personally, I could care less if these guys duke it out for a few more weeks.. It does make a mess out of your Home Page, but aside from that... Who really gives a rats ass?

But while your at upgrading features, how about adding in a button that'll allow me to delete posts in my inbox. There's a pile of msg's building up in there and I'd like to filter out the rubbish.

O.C.

Hmmm....
I need to build the feature in this forum that closes a thread...
I haven't yet.... so... please... let this thread be closed...
I think we've talked this through enough..

THREAD CLOSED

Thanks

I hit 30 a number of years ago, thanks.

As for the discussion forums I haunt, I do so out of a sense of outrage at the scam being perpetrated by United First Financial and its agents. I don't believe people who are bad at math should be taken advantage of in this way.

I appreciate the condescension, but you're clearly not demonstrating the wisdom of age you claim to have. The wise don't have to scam people to earn a living. Only the simple and devious resort to MLM scams, because they're a job that never turns you away, so long as you leave your conscience at the door.

You try to mock me for being an engineer, and a student for lacking experience. All we know about you is that you're a "mortgagewriter" - a salesperson. So don't go around acting all accomplished and knowledgeable. Look how it's taking you weeks to compile some quotes that you can call your "due diligence".

You are planning to jump on board a scam, and you missed the opportunity to make any decent money with the scam by over a year. You're a loser on both counts.

And again, if UFirst isn't in a tail spin, where is the new CEO, CMO and COO, to replace the people they let go? Where is the response to Calvin's challenge below? If the point is to simply provide motivation to reach a financial goal, why couldn't UFirst at least have gotten the simple math right, and not purposefully slowed potential debt repayment?

Well since the pickle wedged up your butt is clearly inoperable, I'll just have to prove you wrong, I guess. My results will be auditable, and you'll be the first one invited to review them.

I'm glad you finally admitted that you're an "engineer", as every single one of your species I've ever met or worked with sees all the problems of the universe in technical, rather than human terms (regular folks can see your little propellers twirling from a great distance, by the superbly engineered two-storey snow igloos at the end of your driveways, etc). I have probably 3 decades experience on you, chansen, and I understand exactly the shortcomings in your "engineering analysis" of a very human problem, but again like every engineer I've ever known you find it difficult to conceive of how human nature can play a part in any process that's worthwhile.

You may understand this as you gain a little experience of real life, maybe even by the time you hit 30! but more likely only as a faint glimmering of realization as you lie on your deathbed. I wish you a very interesting journey, as you haunt discussion forums, pointlessly plying your silly little vendetta's along the way. One day, somebody, somewhere, will think you're clever and important. But I wouldn't hold my breath if I were you. Lol!!

1. The numbers came from the same source as the master agent list that was circulated last year. That is correct. We've also gained access to the demo MMA account and proven the software to be broken. We haven't lied about anything yet, and we don't need to lie to make our points.

2. I love it when UFirst tries to give usage statistics over 4 or 5 years. The MMA has been around for less than 3 1/2 years. And you're quoting usage statistics with no definition of what "continued use" means. How often does one have to log on to be "continued"?

And if sales aren't so depressed, why all the layoffs? If the loss of the CEO, CMO, COO, and lead developer are simple turnover, then where are their replacements? Some of them have been gone for months.

3. I have no doubt you read testimonials. Every testimonial I've seen can be traced to an agent, and remember, there are more agents than clients. What kind of testimonial is it when the person testifying, also sells it?

I doubt Skyler is genuine about anything, including being "baffled". You've met one student who is opposed to the MMA. I'm an engineer.

The MMA is broken, insanely overpriced, and a total scam.

Good timing chansen. I finally had a chance to have my discussion with Skyler, on Monday, as our schedules have not cooperated very well over the past weeks. Unlike you we are not sitting around waiting for someone to post on this forum.

I'm just leaving for a seminar, but I will leave you with a couple of thoughts:

1. The sales numbers you posted are completely erroneous, and they have no idea where they came from. I suggested they were planted by someone who befriended you to their own end and persuaded you and your naive little buddies that they had "broken into the website) so that they could sell their own product. He had no comment.

2. The rate of continued usage amongst buyers over 4 years was 96% until just before the crash, and while it fell to 87% following the economic downturn, a full time outreach program is having much success in bringing users (many of whom lost jobs, or had greatly changed circumstances) back into full time usage.

3. I was shown testimonials in addition to the many hundreds (perhaps thousands) on their website that would convince even the hardest nosed (but objective) observers. Unfortunately that leaves you kids out.

They seem to be genuinely baffled by the mean-spiritedness of the "bloggers" (I explained to him tha many seemed to be young students with not much better to do with their time).

Well over a a quarter billion $ in principal has been paid down on clients mortgages (as of March) compared to the scheduled $80 million...

And on, and on.

There is a lot more, but it's proprietary, and under non-disclosure.

You guys are a rather sad little joke. I suggest you either get a real job, or the latest video games to amuse yourselves.