LifeLock

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Fraud
Posted by on
Rating: 1/51
SAN DIEGO, CALIFORNIA -- I signed up for Lifelock. A few months later I bought a new truck which was partially financed. I heard nothing from Lifelock. Two months later I moved my business. I change the address on 5 back accounts, one brokerage account as well as my mailing address for all correspondence. Still nothing from Lifelock! When I called them to complain they asked my new address so they could "update" my service. I asked to speak to a manager to find out why my ID was not being monitored. They said they would "get back to me". After waiting a few weeks I called to cancel service. They were not to pleased and tried to deter me, warning me that I would be totally unprotected and at risk of having my ID stolen. What a joke!
     
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Alain on 10/12/2012:
I haven't heard a lot of good things about these people except from Montel what-his-name.
Smoky on 10/30/2012:
Lifelock is merely an insurance policy which covers partial money lost. They don't monitor anything.
love them bassets on 10/30/2012:
I signed up for Lifelock through my AOL account -- I got it for free because of having an account with AOL -- and I am quite pleased with Lifelock. If I fill out an application for a credit card or to change credit cards, within minutes I get an email saying that my information has been used to open an account. Every month I get a report from them saying my information is secure. If I would ever close my AOL account, I would keep my Lifelock.
Chrissiann on 11/02/2012:
The guy who created LifeLock had commercials plastering his social security number on the side of trucks to "prove" how safe LifeLock was. His identity got completely ravaged after that. So much for LifeLock.
L on 11/05/2012:
contact BBB.org
RH Sandler on 11/24/2013:
AVOID Lifelock! I thought they were monitoring and they were not. I paid $150/yr in 2011, and when I questioned them after hearing nothing after mortgages were opened, and home equity loans obtained, they said, "oh, your service didn't cover that." More appropriate would have been to make explicit what WASN'T covered.

I then tried to sign up for LifeLock in June of this year under an AOL “free” benefit, including receiving a confirmation number. When I called Lifelock tonight (11/24/13), they said they didn't have a record of my having signed up. Finally, when I signed up through AOL I added my wife for coverage at $8.99/month. Lifelock/AOL has been deducting this from my credit card for months, even though they said that neither I nor my wife were signed up or have any protection! Amazing. But not so much when you look back, and see that they had to pay a $17 million fine levied by the Federal Trade Commission for fraudulent advertising. BEWARE.
Jake on 03/07/2014:
Just signed up for Lifelock after getting a partnership discount offer through an honor society I'm a member of. I signed up for their top-tier package at $20/mo. and am EXTREMELY happy that I did not pay up front for the yearly subscription. This services literally offers me NOTHING that I cannot do on my own. I was already tracking my credit score for free with Credit Karma and when I applied for a new credit card, Credit Karma alerted me of the credit inquiry and I heard nothing from Lifelock.

The only thing Lifelock has notified me of so far is that there is a registered sex offender living 3 blocks away? Idk what this has to do with my identity, but, living in CA, if I wanted to know this information, I could have accessed a full and detailed report of all registered sex offenders for FREE through meaganslaw.ca.gov.

They also advertise 24/7/365 access to your credit reports from all 3 agencies, but this appears to also be clever wording and misleading advertising. It looks like all you get is your free once-a-year report from each agency that you can look at all you want... Okay... Then I already have free 24/7/365 access to my credit reports in my file cabinet.

Using up the rest of the first month that I paid for already and then I am CANCELLING and doing everything on my own for FREE... 20 bucks is all Lifelock will get out of me.
et on 06/29/2014:
I callled liifelock after my debit card was used unauthorized in June.. I had not used that card in two weeks, I used it on 06/28 at a convenience store ( which I had never patronized) and within an hour 300 dollars worth of charges were attempted . Fortunately, I never keep more than 100 dollars in that account. I called Lifeloclk to enroll and then called my best friend to tell her what happened and what I had done, She told me to cancelled my enrollment because she had bad experiences with this company. I took her advice and canceled. Fortunately, I did not give them my credit card info, but they do have my ssn and birthday. Hopefully that wont be used for fraud.
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Don't waste your money
Posted by on
Rating: 1/51
They lie when you sign up and tell you that they monitor your social security number and tell you when it is being used, but don't you believe it. if the company isn't part of there network then they don't monitor anything. I still get pre approved credit card offers also. they do not monitor your social, just the companies that are part of there network. I have been identity thefted while a LifeLock member but sense the crook applied for credit through companies that wasn't part of life locks network they got away with it. LifeLock will lie to you and when you think your protected, your not.
     
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ok4now on 07/14/2012:
These people are a ripoff. They don't monitor your credit, they just put credit alerts in your file alerting you when a new line of credit is opened. You can easily do this yourself for free. Don't waste your money.
Grandma005 on 07/15/2012:
Go to CreditKrama.com. You can see credit scores and credit accounts balances all for free and you can check up everyday if you want.
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Don't Put Your Trust in Lifelock
Posted by on
Rating: 1/51
TEMPE, ARIZONA -- Recently, I received a letter from Lifelock advising me that they are unable to renew my account because the credit card on file was not valid. I contacted them to update the credit card information - apparently they had an old credit card number which was stolen (incidentally, Lifelock did not catch this, my credit card company discovered it). The representative on the phone told me the account had already been closed, though I contacted them within the 15-day period as stipulated in the letter. The representative said they attempted to call me and sent E-mails to me advising me of the account issues. I did not receive any phone calls, though they have my cell phone, home phone and wife's cell phone numbers.

In addition, after a search of my Inbox, I found no E-mails from them alerting me of any account issues. Lifelock's main claim is they are constantly searching for any abuses and immediately contact you for any discoveries. They failed to contact me concerning my account payment, how can I trust them to contact me when there are problems? I told the representative that I was not interested in reactivating my Lifelock account.
     
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Alain on 04/03/2012:
Montel Williams' Lifelock infomercial fails to mention that most of their services are things you can do for free and on your own. He also doesn't mention that Lifelock has a history of lawsuits and problems (noted on the web). Thanks for your review warning other consumers that this company's service may not be what they expected.
Richard Roman on 06/08/2013:
Wow after reading this I changed my mind and now I'm concerned.
Carolyn` on 08/04/2013:
I am glad I read the complaints and reviews I now WILL NOT sign up for lifefock. Thank you for the heads up.
Maureen L. on 12/02/2013:
Sounds like it's not all like something I want to pay $600.00 a year for!
Michael on 01/16/2014:
I would like to hear from people that have negative experiences or problems with LifeLock. I believe that my colleague can help. Please contact me at: me98 @ yahoo dot com
Josh on 04/01/2014:
Someone stole my ID and tried apply for a loan but was denied by the bank many months ago, yet my monthly report from LifeLock said everything is good. So I confronted them on the phone and the customer rep. was all offensive and it took me a great deal to cancel my account (almost told them I would sue them).
Then a few months later, the same thing happened to my spouse yet the report said the same thing (good as usual).
Don't trust them!
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Terrible and Way Overpriced
Posted by on
Rating: 1/51
TEMPE, ARIZONA -- I had to deal with LifeLock in regards to taking care of my elderly parents finances. I contacted LifeLock with my parents on the phone to discuss their account since I was not allowed to discuss their account without their permission. After a series of questions they told us s few things about the account, however that was it. I asked how I could be authorized to be on their account so that I could monitor their finances since I am the Executor of their Estate and have POA over their Estate. They told me to send in a POA which I did and had it completed by an attorney. I received a letter back from LifeLock that said it was not good enough.

I could not believe it, what more did they want my blood and my first born to be on my parents account? After I checked over my parents credit cards and saw LifeLock had charged them over $825 for their annual renewal I was done, I called them and again had to get my 84 yr old Mother on the phone to get them to even talk to me. All they tried to do when we told them we wanted to cancel they tried to "talk" us into another type of LifeLock acct. My Mother got very mad and when we got disconnected she called them back and again tried to cancel, after 15 minutes of being on hold and then being shuffled around to different departments she finally told the guy, she was DONE and to cancel her account she was tired of the run around. I think they finally got it and said they would cancel it. However never told her if they would refund the $825 so now I am going to have to get a hold of American Express and have them dispute the charges.

This was the biggest mess of a company that says they are here to help keep people safe. They are way overpriced and all they do is make sure someone does not get a "new" account using your info. They do not monitor your bank accounts so why pay this much money for their so called protection!
     
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Hassle to cancel the service
Posted by on
I went online to Lifelock to cancel my service. There is no way to cancel online that I could find. I did send an email but decided the next day, since I hadn't yet heard back, that I should call. I did. Specifically told the CSR that I did not want to get into a long discussion as to why I was cancelling; I simply wanted to cancel and be on my way. 20 minutes later he is still giving me his spiel and I am getting more and more annoyed. Finally I told him I assumed the service was cancelled; if it was not and it was charged to my credit card I would contest the charge; have a good day and I hung up. Yup, you guessed it, he called back to tell me how offended he was; how he had a wife and a child and was a good person; that he wasn't finished talking to me when I hung up. I wasn't sure if I was talking to a CSR or in the middle of group therapy. Anyhow, shame on Lifelock that trains their CSRs to make it so difficult and annoying to simply cancel their service.
     
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madconsumer on 08/06/2011:
I have read other reviews with the same issue.

very helpful review.
MissLeopard83 on 08/06/2011:
I can't stand those subscriptions that do not allow you to cancel online. It's a marketing ploy so you have to call in and hear their sales speech before you can actually cancel. Proactiv did that to me so I look to make sure I can cancel online before signing up now.
Anonymous on 08/06/2011:
I always prefer canceling online also. I agree they do this so they can give you a sales pitch to stay.
Tom on 08/01/2013:
The worst part is that in the terms and conditions (http://www.lifelock.com/legal/terms/) it specifically says "TO TERMINATE YOUR SERVICE, YOU MUST CALL 1-800-LIFELOCK (543-3562) OR CANCEL THROUGH YOUR MEMBER PORTAL"

but then there is no option in the member portal. All you can do is email them. When I called and asked about this they said it was because they "had to make sure there were no current alerts on my account" before cancelling... but if I'm logged into my account, wouldn't I see those alerts and be able to figure that out on my own!?

Either way, I just said "I am no longer interested in the service" and then when she asked again if there was something wrong I repeated sternly "I am no longer interested in the service". She said "OK, let me get that cancelled for you.

Customer retention specialists are a pain... Just don't give them any bait to start asking you more questions. Be clear with your intentions and when all else fails just continue to repeat them until they get the hint.
Carl on 12/27/2013:
If you continue to receive a " recorded CSR" as I call them , ask to speak to their Supervisor, and Tell the Supervisor " I know you will help me with this, I want to Cancel My Subscription to ...." By Wording it this way Your EMPOWER that SUPERVISOR / PERSON to help you, this works 9 times out of 10.
SR on 05/26/2014:
Very annoying to not be able to do online, but I did get through it in less than 5 minutes by calling in. Of course they wanted to know why I was cancelling. I gave them a quick vague answer, and the gal proceeded to impose more questions at which point I cut her off and said I'd appreciate it if she'd expedited the process as I'm very busy. She made one more effort to offer me a lifetime discount that would have saved me $40 per year (there's a money saving tip!). I said no, and got through the call relatively painlessly after that.
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Thanks a LOT
Posted by on
I just saw a LifeLock advertisement that shows a diner waitress copying a customers credit card #..basically implying that she's going to use it...or "steal his identity"...I'm a waitress...and I just want to say first: I would NEVER DO SOMETHING LIKE THAT...And second: that commercial makes hard working waitresses look scandalous! I work hard for my money & don't anyone else's money other than my own!!

So thanks for making us "hard working waitresses" look like criminals!!
     
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raven2010 on 03/17/2012:
Unfortunately, what the ad portrays is factual. Any place where the service provider ( including a waitress) walks away with your credit card is an opportunity for theft.

There are many proven cases where this is exactly what happened. That does not mean all waitresses do it.
madconsumer on 03/17/2012:
very helpful review!!

not ALL service staff is a thief.
clutzycook on 03/17/2012:
While you may not do something like that, there are many who would. Unfortunately, there's no foolproof way to know intuitively who is honest and who is not. Therefore an abundance of caution must be exercised at all times. Stinks how the misdeeds of a few ruin it for everyone, huh?
BigAl on 03/17/2012:
Just about any commercial can offend someone or some group. I can see why this commercial is offensive to you. You have my sympathy. And thank you for not complaining about the Hardees commercial.
BigAl on 03/17/2012:
clutzycook,I disagree with your post because you stated "many who would". While this is indeed a problem it is caused by very few. "Many" is a gross exageration
clutzycook on 03/17/2012:
OK, "many" was the wrong word. The point I was trying to make was that while the OP would not do that, some certainly would. Which is why products such as LifeLock exist. I worked in bedside patient care for 5 years. Whenever we gave a narcotic medication and had some left over, we had to "waste" the leftovers with another nurse co-signing it. Why? Because several nurses have been known to take that leftover medication themselves or even sell it on the street. I certainly would never do that. I could barely make it through my shift sober, never mind high. But I was also never offended by having to have a witness to my wasting either.
Starlord on 03/17/2012:
I can understand the OP's dislike for the commercial in question. She should realize that there are waitresses who would steal credit card info. There is a restaurant in Casa Grande, AZ that has over 350 complaints of theft of credit card information. I was a deputy sheriff in Arizona, and I saw a number of dramas on TV that showed corrupt cops. Do you think I went off on a tear because they showed an actor playing a dirty cop? No, because it did not apply to me. The thing that upset me is that some people see stuff like that on a TV show, and think it happens much, nuch more than it really does. Chill out is the best advice I can give.
dan gordon on 03/17/2012:
understand than in most of the world the server brings a machine to the customer not the server taking the clients cc away and out of view. The US is behind most of the world in how they treat cc transactions. Its a very common way to steal cc #'s as are fake 'scanners' at gas stations and even banks.
jktshff1 on 03/17/2012:
Wow, talk about profiling!
JISCal2 on 03/17/2012:
It does seem like profiling but not all are honest. At a fast food joint I made the mistake of using my debit card instead of a credit card. I was in the drive through (big mistake) The guy took my card and turned his back to me. I could see that he whipped his cell phone out. I couldn't tell what he was doing but as soon as I got my food I pulled around and reported the card stolen. I went inside and spoke to the manager. He asked for the employees cell phone, which he handed over. He must have had speedy fingers because he had texted my card number and several others to himself. NOT cool!
mine on 02/27/2013:
my credit card account was actually stolen by a waiter. It happens.
Mark X on 05/02/2013:
The major problems with commercials like this is that are designed to incite fear in people so they can sell their product to reduce your fear. They should be made to post a disclaimer stating that is not typical with the commercials ( problem is they might in print to small to read and gone before you have time to read it) Army Military Police background, NSA security training, Security officer for an Intelligence Battalion and 10 years of doing background investigations. I have a little more experience than the majority of people you meet on the street, cut the waitress some slack she has a right to be angry about how they portrayed the profession.
SaraMaru on 08/16/2013:
I can assure you that such things do happen. In one week in Seattle I lost my credit card info to a "server". Luckily my bank called and questioned transactions on my card that did not reflect my normal shopping habits.
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Lifelock... Useless And A Scam
Posted by on
A hospital in my area sent me and thousands of other people in my area a letter saying a laptop was stolen from their admin offices and everyones information was on there. So in good faith they offered everyone Equifax Gold Alert for one full year.

I received a new credit card in the mail the other day. My Zales account was taken over by CitiBank and they sent me a card to be activated over the phone. I called and activated it. This was 5 days ago.

The next day I received an email from Equifax Gold telling me a new account was opened up in my name. No alert from LifeLock whatsoever. I gave it a few days and still nothing from LifeLock.
I called LifeLock just now and explained to them what happened.

The rep basically gave me a little runaround but she said " LifeLock doesn't monitor your credit, they aren't allowed to ".

Her exact words. They put fraud alerts in your credit file so when someone or yourself opens up a line of credit, the creditor will call you. When I activated that card, LifeLock didn't do anything, only the free service from the Hospital theft. Go figure.

I will not be renewing my LifeLock in a year and I will make sure I watch to see if they charge me for the year and not tell me which I'm sure they will.
     
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Hugh_Jorgen on 08/12/2008:
It sounds like they did what they claim to do. They put the fraud alert in place, the credit issuer is the one that is supposed to notice the fraud alert and contact you, not LifeLock.
madconsumer on 08/12/2008:
anyone can place a fraud alert with the credit agencies. so really, LifeLock did not do anything special.
Kagan on 04/13/2009:
Just call them and cancel your membership. No need to wait for the rest of your yearlong membership to expire. I called and got a refund. Remember: 100% of the services Lifelock offers, you can do FOR FREE by calling appropriate places. Just something to keep in mind.
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Lifelock Commits Fraud
Posted by on
TEMPE, ARIZONA -- Lifelock offers a 30-day free trial, yet they charge your credit card before you hang up the phone. Even if you close your account with them, they continue to bill your card.

I signed up Feb 6 and was assured three times they would not charge my card. Yet, they charged $176 to my checkcard, placing my checking account in overdrawn status. It took three days to resolve this. I called on 7 Feb to cancel my subscription with them, which was done. However, on March 6, Lifelock again charged $176 to my checkcard, which was taken out of my checking account. I called Lifelock and was told they did not deactivate my card when I cancelled my subscription and they would credit my money as soon as they could (no timetable).

You can do on your own for free what Lifelock claims to do for $176/yr.
     
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Sparticus on 03/06/2008:
Thanks for the review. I was wondering about they guys. I see them on TV, in magazines. They are doing a big marketing push right now...
Anonymous on 03/06/2008:
Never use a debit card for online or phone purchases. An shady company or even a simple entry error can wipe out your account in a millisecond.
Principissa on 03/06/2008:
You know all it takes to protect your identity is diligence. Get a cross cut shredder and shred all important papers that you want to throw out or if you have a fire place or pit burn them. If you can't afford a paper shredder, put the papers in a sink and turn the water on, mix them around with a spoon or your hands and tear them to bits. Don't give your personal information to anyone who calls you on the phone or sends you an e-mail requesting it. No decent company will ask for your personal information. If you believe there is a problem call the number on your bill for customer service or find one on their website. Never call a number on your caller ID or in an e-mail unless you know for a fact that is the number to the company you want to call. Credit reports can be requested from all 3 bureaus once a year for FREE. And finally, never ever allow a company access to your checking account via their auto pay services. You are in essence giving them full access to take money out of your account with no strings attached, regardless if you have the money or don't. If you want to do any type of auto payment (which I don't recommend) use a credit card or a prepaid credit card. The prepaid's work just like a regular credit card, only you can control the amount on the card, don't have to make a monthly payment, and you can use it safely online knowing that thieves will not be able to access your personal information.
Larry183 on 02/28/2013:
Lifelock

Hi,
2-1-13 someone used my Credit card and spent $544. on Western Union. I called the Credit card Co. They cancelled my card and sent me a new card.
(The credit card co. called me when it happened.)
Were you aware of this?

BUT yesterday I got the Credit card bill. The $544 was still on the bill, along with your %330. bill for Lifelock. I called the credit card Co. and they said they would take care of it.

I thought your Company was to handle these problems.

I'm waiting to see how you do from here on... whether I'll give you my new credit card # for next years payment.

Larry Nichols
P.O. Box 443
Dallas, Or
97338
DebtorBasher on 02/28/2013:
Larry, You may get a better response if you write a complaint and post it...this review is from 2008 and won't get many views now.
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Overprice Service
Posted by on
Rating: 1/51
ARIZONA -- Their service is way too costly $275 plus tax annually per adult, and $75 plus tax per children.
     
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Possible Scam Company
Posted by on
TEMPE, ARIZONA -- LifeLOCK looked like a POSSIBLE benefit. However, they appear to be a SCAM. I sent the following inquiry 4 times. They did not respond to any of them. If they won't answer BEFORE they get your money they probably won't respond afterwards. In their Terms of Service they indicate in one place you have 30 days to notify them of ID theft. In another place they say you have 15 days. Looks like a perfect setup to deny benefits because "you waited too long."

I am surprised that RipOff Report actually recommends this company. What's up with that?

BE CAREFUL!

----------------------------------------------------
To: client.services@lifelock.com
Subject: Inquiry/Terms of Service clarification

4th Request - if no response is received within 48 hours it may be listed on RipOffReport.com and My3Cents.com as a probable scam company.

3rd Request - are you people legitimate?

You have 2 different time requirements (30 days and 15 days) to be notified of discovering that my identity has been stolen defined in your "Terms of Service". When a conflict in terms is noted, will this be resolved to the benefit of the client or to the benefit LifeLOCK?

------------------------
Our Guarantee is simple:
In the unlikely event your lock is picked and you find yourself fighting to regain your good name, we're going to do the fighting for you. We're going to pay for the fight. And we're going to make sure that you get every dollar back, lost wages, costs, actual losses, every dollar up to $1,000,000. Period. You need to tell us within 30 days of discovering that your Identity has been stolen. That's it. There's no fine print. If you would like to read the entire Terms of Service, click here.
----------------------
9. Guarantee:

a. Our Guarantee is simple. If you are our client when someone steals your personal information and subsequently misuses it, we will reimburse any and all direct expenses that you incur and we will act as your attorney on your behalf and work for as long as it takes and exert our best efforts to restore your Identity to its state prior to the theft. The maximum amount that we will pay is $1 million over the life of the incident. There are no additional fees you must pay to exercise our guarantee.

b. Direct expenses include lost wages, long-distance calls, postage and other miscellaneous costs in addition to any funds that are actually stolen from you or a third party that holds you responsible. If you need an attorney to help resolve the claims, we will select them and manage the case on your behalf.

c. Your claim must not be fraudulent and you must tell us of the event within 15 days of first learning of it.
------------------
     
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Anonymous on 12/17/2006:
Chuck, let us know what you find out.
Ponie on 12/17/2006:
I wouldn't touch with a 10-ft. pole anything recommended by ROR!
tnchuck100 on 12/17/2006:
RipOff Report did not post this. I had a feeling they probably would not. This was their response:
--------------
We are concerned by your comments you submitted to us. We are going to investigate. We know executives at LifeLock will not be happy about this.

Someone will be in contact with you within 3 to 5 business days.
-------------------
Regardless of anything else, the problem is: You don't get a second chance to make a first impression. But, actually, I gave LifeLock 4 chances.
Anonymous on 12/17/2006:
Chuck I agree with you this looks like a scam to me. Thanks for the heads up
tnchuck100 on 12/17/2006:
The COO of LifeLock has emailed me. He has indicated they have a problem with email from hotmail.com and Cox.net being filtered out as spam. He states he is investigating this further. I will keep this post updated.
tnchuck100 on 01/06/2007:
Never heard another word out of them. They did change the days to nofify them to 30. However, read the terms of service carefully. It loaded with "gotcha's". They may change terms without notification. There is an arbitration clause. The "terms of Service" as of this date looks like it was put together in a hurry by a word processor novice. As I previously stated: BE CAREFUL!
rojerdojer on 02/06/2008:
Chuck is all over it again! This is why I just watch my cards myself, and watch my credit reports myself, I don't spend a dime. Free credit reports are available online if you know how to get them. They will charge sometimes a small 5.95 fee for an online report, but it is free if you order it by mail. I do this with the big 3. Equifax, Experian, and Trans Union. DO NOT GO TO freecreditreport.com they want to sign you up to a service. The reports are free then...well guess what, they are free anyway by law! They will tell you it is free only once a year, but that is also NOT true. You can get it by many other means free...I will talk later about that in a review, watch for it soon! (This is done by using a 3rd party to request for your credit report, it's pretty clever...and free!)
Capt on 06/20/2008:
Signed my Mom up, low and behold, never got the credit reports but letters from Equifax and Experian saying that I now had to provide them with photocopies of ID's etc. The whole point of contracting LifeLock was so I wouldn't have to do the paperwork, now I'm paying them AND DOING THE PAPERWORK? I don't think so. When I asked the supervisor she said 2/3 of all customers have to do this. What? Why is it that I gave them my information and they could not communicate it accurately to the big three? Now it's been over 4 months since I have seen a report and how many more will pass before I do?
Cancelling service here, forget these people, you are better off requesting it by mail yourself every 4 months.
grinwithin on 07/07/2008:
What Lifelock does is send a letter requesting a copy of your annual free report be sent direct to you. The credit reporting agencies HATE companies like Lifelock, or any other third party agency that provide a service in helping you manage your credit.

Even when I request my CRA's directly, they still refuse to send them.

I have been a victim of ID theft and let me tell you, any ID Theft insurance is a good thing. I spent my entire life savings fighting my battle and I am still denied everything from a student loan to attend graduate school, car loan, housing, and even denied medical coverage based on false and misleading information the credit bureaus refuse to acknowlege.

Yes, I have an attorney and I am really looking to find a company or organization to bring my experience to professionally and work as a consumer advocate.

Even with letters, recorded calls from original creditors with control numbers showing where they requested the credit reporting agencies to correct their files, they still won't do it with no explanation.

The sad reality is, if you don't have the money for retainers, you kiss your rights away. Better to have insurance to see it through to the end and not be screwed around for 10 years like I was.
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