Carroll is a very accomplished professional. With more than 30 years of experience he has a certain way of doing things. In this role-play I attempt to show him how the use of logic and mathematics is far superior to BULLSHIT and works far better with today’s informed consumer. You make the call…
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National Insurance Crime Bureau or NICB, appears to be an organization, a not-for-profit organization, to assist various entities including law enforcement and insurance companies in preventing various types of insurance fraud. It also appears that they had created, maintain and utilize a database which obtains information from insurance companies among other sources. It appears through the website that there is a service and/or database which were created through National Insurance Brime Bureau that appears to store information on vehicles, stored through their vehicle identification numbers.
It also appears that there is something called VINCheck which is a service various entities can use to check the history of automobiles. One would assume that the reliability and the usefulness of this database depend upon the source of the information.
The NICB was formed in 1992 from a merger between the National Automobile Theft Bureau (NATB) and the Insurance Crime Prevention Institute (ICPI), both of which were not-for-profit organizations. The NATB — which managed vehicle theft investigations and developed vehicle theft databases for use by the insurance industry — dates to the early 20th century, while the ICPI investigated insurance fraud for approximately 20 years before joining with the NATB to form the present National Insurance Crime Bureau.
NICB’s VINCheck is a free service provided to the public to assist in determining if a vehicle has been reported as stolen, but not recovered, or has been reported as a salvage vehicle by cooperating NICB member insurance companies. To perform a search, a vehicle identification number (VIN) is required. A maximum of five searches can be conducted within a 24-hour period per IP address.
It appears as though the New York Atty. Gen. has clamped down on a number of large, franchised dealerships. It appears as though the New York Atty. Gen. has clamped down on dealerships selling a product which is produced, distributed and presumably created by a company called Credit Forget it. In June of last year the New York State Atty. Gen. assessed a tremendously large fine against the company called Credit Forget It. It appears as though the fine assessed against this company was in excess of $14 million. The New York State Atty. Gen. apparently considered the product improper and should not be sold with an in conjunction with the financing of automobiles.
After the New York Atty. Gen. shut down this company they then proceeded against all the dealerships were selling the product. It appears as though the allegations are that the dealerships were improperly selling the product, asserting that it was free one was not and selling a product that was in essence worthless. This is my take from the articles which have been published on the Internet. The following is contained in one of the articles:
According to the lawsuit, the Koeppel dealerships used deceptive sales tactics, including charging consumers for services while concealing such charges from the consumers, or by misrepresenting that the services were free. In fact, law enforcement indicated consumers did not receive the credit repair and identity theft protection services for which they were charged.