Philippine Prudential Life Scammers!!!: Explained
Finally, PPLIC has responded to us. Apparently, the new leadership is more forthcoming with answering us than the old leadership who has chosen to be silent. I believe it is only fair that we give them the chance to explain and to allay fears of those who have already purchased their plans. I have met with them to air the original grievance, which is the deceptive marketing strategy employed in the malls. As it turns out, I have learned two important things:
1. That PPLIC is a legitimate insurance company, complete with licenses and legalities in place.
2. That because they are a legitimate company, their insurance policies are backed up with the necessary funds and that they do have some satisfied customers.
I have published part of their letter below.
Two years ago, when you wrote your post about Philippine Prudential Life Insurance Company, Inc. (PPLIC), you probably did not realize that PPLIC agents are not employees of our Company; they are independent contractors. This does not excuse unfair sales practices, however, and so as a result of your blog post, we began to regulate the agents more closely. We now have customer service staff (full time employees of our Company) stationed at all of our retail sales offices. Their job is to interview every customer before they purchase insurance to ensure that the sales presentation was fair to them and that they are not asked to do anything against their will.
Given that life insurance is not something that most people think about when visiting a shopping mall, we do approach potential customers and ask them if they would like to be entered into a raffle draw to win a car or other big-ticket prizes (e.g., cash and trips abroad). By simply attending the presentation, they are entered in the raffle. No purchase is required. Interestingly, many of our actual raffle winners did not purchase insurance from PPLIC. While most of the winners do not wish to be identified or publicized (for personal safety/security reasons), we do have a couple of individuals who are willing to speak to you about their experience, should you wish.
Another major customer service innovation that sets PPLIC apart is that, while most life insurance companies only offer a three-to-five day “free look period,” as sanctioned by the Insurance Commission of the Philippines, PPLIC offers a 15-day free look period, during which time a customer may cancel his/her policy and request a full refund. As such, we ensure that our customers are fully satisfied.
Also, and unfortunately for us, there are a number of companies that have similar names to ours, including Prudential Life Plans and PruLife UK . These companies have no affiliation with ours. Philippine Prudential Life Insurance Company, Inc. has never had its license revoked, and does not market and sell pre-need plans. We would thus appreciate your deletion of the links to such stories on the other companies from your post.
Regarding the “XXX” telecast late last year, the customer initially asked for her money to be returned immediately. However, credit card reversals have to go through the customer’s banking institution, and this takes time. Dissatisfied with waiting, she next went directly to the Insurance Commission and the media. We processed her refund as soon as we could, and regret that the financial institutions do not process this much faster. Under the current system, it generally takes four to six weeks to process a refund after a cancellation.
Should you have any other concerns or need additional information, please feel free to contact us. Current clients may reach us via our Customer Hotline at (02) 902-2300 or visit any of our offices nationwide where a Customer Service Representative can readily assist them.
Thank you again and best regards.
Sincerely,
RODOLFO C. ESTRERA
Assistant Vice President and Head
Corporate Communication and Planning Office
I am hoping that the thousands of comments in this post will now call PPLIC directly for their concerns and that they will be properly answered and refunded, if need be. Like I mentioned in the original post, I will continue to
UPDATE: Finally the media has seen this post and have investigated the matter. The TV show XXX by ABS-CBN has raised awareness about the deceptive marketing insurance fraud. See whole episode as pasted in Carlo Ople’s blog.
Just now I received a nasty call from the number 0920-9705881, a post-paid number no less. Some lady named Carla said my name was selected from an SM raffle because I won a brand new Honda City. Luckily for me, I wasn’t at all swayed by all her babble about winning, winning, winning!!! Firstly, I NEVER shop at SM Megamall because it’s far from my residence. There’s a Super 8 Club next door and I have no need to travel when doing groceries.
Then Carla says the call is recorded along with all the spiels that the call is legitimate. Even gave me her office number, complete with extension (755-1562 local 4018). I was asked what sort of IDs I have and when I said I have SSS and a passport, she goes on to say that it’s not the ID they need. She says I NEED A CHECKING ACCOUNT OR A CREDIT CARD as their ID of choice. TALAGA LANG HA?
When I said that only my wife has a checking account, all of a sudden, SYA NA DAW YUNG REPRESENTATIVE! All I need to do daw is call them back and they will make me come to their office to spin some dastardly wheel, claim a premium gift and bring home the blasted car. People who know me are well aware that I WILL NEVER BUY A HONDA because you can’t use it as a taxi cab and my loyalty to NISSAN and MITSUBISHI is way past my financial capabilities.
These people at Philippine Prudential have learned atrocities of these independent sales agents. It destroys their business and dupes hapless consumers into putting their life savings into products beyond their budget simply because they are out to make a quick buck. Shame on them! should be sued or something. They dupe people into thinking they won something only to make them waste their time and sit through a presentation then force-sell their products to people who really can’t afford it. Hey, there has got to be a better, effective and legitimate way to sell insurance! They’re behaving like Family First and all those other scammers who cheat us out of our life savings.
And I told Karla that if she wanted to sell me insurance, she should have just told me flat out. I might consider buying but I will never go through an unscrupulous agent. Â I WILL NEVER BUY FROM PHILIPPINE PRUDENTIAL LIFE.
If Philippine Prudential DOES make someone win just to prove it’s not a scam, think again. There’s a multitude of people out there that you’ve already duped. If you need to prove something, return THEIR money AND CHANGE YOUR MARKETING STRATEGIES! It’s insulting! Your methods only show what you really think of your clients. Â It’s OK to be forthcoming when selling insurance, your new set of agents must realize that.
September 18, 2009
· 
Arpee · 
2,266 Comments
Tags: 09209705881, philippine insurance scams, philippine prudential insurance, philippine prudential insurance scam explained, philippine prudential life scam, PPLIC, PPLIC explanation · Posted in: promos
2,266 Responses
tsktsktsk.. mga manloloko!
I hate those company, telling you that you won after you buy their product. Then in the end you will need to raffle or spin a big wheel for your prize. SHAME on them.
hello po i was one of those people na naloko nila sa mall…i didnt really have any idea bout it for i dont live in manila i was just there to visit my relatives..they took about 9 thousand from my atm!sabi nila e tra try lang daw pero immediately nakakuha agad sila ng 9thousand saakin..pero pincancel ko na yung policy plan na e navail ko then ang sabi nila e rerefund daw nila yung pera ko after 30-45days bank to bank..ang saakin lang baka di na nila isauli yun then baka di nila e honor yung cancellation ko at patuloy pa rin kunan yung pera ko sa atm,.,,im just worried bout this,what shud i do?
Hello, Sa akin din nag paka tanga ako. kinuha nila yung 16800 sa credit card ko sabi nila e try nila kung pwede so pwede syah nag ok ako.. after two days nag change mind ako sabi nila e ho hold nila ang money upto 5 years. kun gusto mo e continue. sabi nila hindi na daw mabalik yung credit ko sa credit card ko kasi naka bank to bank daw.. what should i do?
GP, sulatan mo sila ng letter of cancellation with a request not to charge your credit card account. Tapos araw-araw kang mag-follow up.
Yan2z,
dapat ifollow up mo yung cancellation document na ipapadala nila sa credit card company mo para sureball. inotify mo rin yung credit card company mo na di ka namagbabayad ng premium.
Ang gawain ng PPL ay labag sa mga karapatan ng mga consumer. Ginagamit nila laban sa consumer ang pagiging likas na magalang at mabait ng mga Pilipino. Sa kaalaman ng lahat, maaring magreklamo sa piskalya (sa paglabag ng consumer law); sa DTI, SEC o Insurance Commission. Marami na ang nabiktima ng DANVIL/Berkeley. Hindi kataka-taka na mag-ala-Danvil sales ang PPL dahil ang isa sa mga VP ng PPL ay taga-Danvil dati. talagang matindi ang PPL. kailangang ma-Imbestigador ang mga ito para matigil na ang kanilang gawain.
was a victim of this scam too.its not only prudential life doing this but also Phil-Am life…when you get back to them to ask them to return your money, para silang hari o kung sinong napakatapang na ichallenge ka to go to court and they have all the documents daw na under sa policy or terms and condition na pinermahan mo ay ngagree ka sa lahat pero hindi naman lahat nandun inexplain. this kind of business wont have a last long relationship with the their clients.
buti na lang….nakita ko tong page na to at nabasa mga comments nyo…coz a while ago, i received a call from jacky.at nabunot daw ang name ko sa raffle sa SM.Pinapapunta nya ko dun to pick-up my 2 Premium Gift Items…and to play for a chance to win brand new car and $10,000…basta lng daw ang Credit Card ko ang magsisilbing ID ko…kaya kadudaduda…..kaya naisipan kong i check sa internet at hindi ako nagkamali..scam nga…buti na lng…atleast hindi nasayang ang oras at pagod ko..hindi na ko pupunta dun..
amf.. anu ba yan kahapon kasi na ganyan din ako sa mall eh.. 7600 yung nakaltas sa atm ko kala ko naman talaga totoo kasi nga nasa mall sila and ang dami talagang tao na nakukuha nila to sign up.. pano ko poh ba ipapa cancel yun baka kasi kaltasan nila yun ng kaltasan eh.. kaasar naman.. kala ko pa man din secured na ko.. kainis tlga..
hay na lang..bakit kaya may mga taong ganito ano…i am from Mindanao and my mother use to received calls from them…very persistent sila on looking for me until I received a text from them yesterday..my husband was very annoyed, pero I insist to check on them kasi i thought it was not a coincidence they located my cell #…I was able to talk to someone named Ronnie David and I informed him that I would want to check lang since I am from Mindanao nga and I thought they were a scam…he just responded by saying..”naiintindihan ko po..”, the next thing I knew, my husband was browsing the net and showed me that it is truly a scam…NAKAKADISMAYA lang sila…sana hindi bumalik karma sa family nila sa ginagawa nilang yan…:(
i had this same experience as well last sunday. I was just invited sort of, to play, for me to have a chance to win a honda car or $10,000. pretty cheesy and tempting so i went along with the sales rep in to their office in sm annex, ground floor. i was passed to another representative for a presentation which should supposedly take 45 min only and turned to last for almost three hours.
they will lure you to the benefits of saving, endless question and answer until you get fed up and you just wanted to give in. this rep named leya asked for my cc and said they will just check IF i will be qualified for their program. before i even knew what was happening, my card has been swiped and i was automatically charged 9,500.
i wanted to cancel now the policy after getting to read all of these.
what are my options so i dont get charged for this and much better to get rid of this for good. your help will be greatly appreciated. thanks.. anyone?
@mervin
we encountered this s**t last sat nacharge un card ng gf ko pero ako primary card holder..she’s just my supplementary. i called my cc company right away and filled for dispute and cancelled my gf cc. they still send those shitty docs for policy stuffs but i dont give a damn about it.ill be going back to annex to throw in their face the docs and if they still insisted for that shit insurance ill be going to call DTI since my aunt is working there. God speed all! keep this thread alive to inform others with this crappy scam.
nagoyo din ako last night, kinaltasan ako ng 24,000 thousand. iwant to cancel na my policy. meron ba d2 na nag-cancel then nasauli ung money nila.
hi po.. me too na encounter ko din kanikanina lang sa sm.. una sbe saken na mglalaro k lng ng prng slot machine then pwede ka manalo ng $10,000 or b.new honda city na wla ka ilalabas na pera, then i try to play.. dnala ako sa office nla den kinwento ung brief history ng company, nung ptapos na, sbe nla try dw nla ung bank ko kung ok dw kumuha ng 28000 plus pra dun sa savings dw sknila.. tpos un nbgla ako, hindi ako pumayag, sabi ko nlng my emergency sa house, hindi ako pwede mg bgay ng pera.. tpos un kinukulit ako, ayaw ko prin ngpilit ako na kylangan ko na umalis.. so sana po matuto na tyo po tyo, wg tyo bsta bsta mgtitiwala sa mga gnyan bgay.. BEWARE NLNG PO…
ako rin nabiktima ng Prudential Sa SM north Annex. 24,000 ang na icharged kaagad sa account ko. Please magtulugan tayo para mahinto na ang panloloko nila at maibalik ang pera natin . Amy alam po ba kayong email ng imbestigador o telephone number?
Hi All especially to yan2z.. ( LETS JOIN FORCES!! IF WE HAVE TO REPORT THIS SA MEDIA WILL DO IT, TO STOP CHEATING PEOPLE! IT’S HARD TO EARN MONEY DEN GANYAN ANG GAGAWIN NILA) my email add is melnokie@yahoo.com
I am a victim too. ang gusto ko ring i refund ang pera ko. Can you help me out.. I am planning a legal action on this. If involving MEDIA would be better then I will do it. all I need is support from you guys! pls reply to this post. thank you.
To Ermarie Inda.. I will cooperate on that.. kaya lang d2 ko s middle East.. Jan ung Fiancee ko, xa ang pinag aayos ko ng prb ko with that Idiot Prudential Life.
( LETS JOIN FORCES!! IF WE HAVE TO REPORT THIS SA MEDIA WILL DO IT, TO STOP CHEATING PEOPLE! IT’S HARD TO EARN MONEY DEN GANYAN ANG GAGAWIN NILA) my email add is melnokie@yahoo.com
Hi All especially to yan2z kc I want to get may money back.
I am a victim too. ang gusto ko ring i refund ang pera ko. Can you help me out.. I am planning a legal action on this. If involving MEDIA would be better then I will do it. all I need is support from you guys! pls reply to this post. thank you.
To Ermarie Inda.. I will cooperate on that.. kaya lang d2 ko s middle East.. Jan ung Fiancee ko, xa ang pinag aayos ko ng prb ko with that Idiot Prudential Life.
Hi Edmarie,
I’ve got imbestigador Hotline and it’s +632 928 4713. I want to call them, but I want also to do first the cancellation letter and see their response. From there, I can call imbestigador.
Hi Edmarie,
I’ve got imbestigador Hotline and it’s +632 928 4713. I want to call them, but I want also to do first the cancellation letter and see their response. From there, I can call imbestigador and rely the issue.
Hi, Melissa,
Dear Melissa,
Thanks. Tama magtulungan na lang tayo. you can email me at mahumanay@yahoo.com, nagpadala na rin ako ng cancellation letter last week sa Prudential pero until now wala pa akong reply kung naaprubahan ang requests ko for cancellation o hindi kasi nakadown daw ang system nila. Sige, email na alng kita kung paano kami mag meet ng cousin mo.
Grabe, dapat ibalik ng Prudential company ang mga inital deposit o kanselahin ang premuim ng mga nabiktima ng Bagyong Ondoy at Pepeng. Maawa naman sila, tulad sa akin na halos naubos ang mga gamit at nawalan ng tirahan. Kung totoong for in help/service for Filipino nation ang goal nila, dapat maawa naman sila sa mga taong nasa gipit na kalagayan at huwag nilang ipilit na pagbayarin ng kanilang premuim loan.
Hi Edmarie. Im online now. Lets talk sa YM. Tnx for the response.
Hi all,
Is there anyone who wants to participate with us. It’s a big help. so we can get our money back. Pls email Edmarie or me. NX in advance.
hahaha. so funny.. naka down ang system nila? pero bakit nung kukunin nila ang pera wala atang error ang system nila. Pag may complain may error ang system. waht bullshit explantion!
i am breaking my silence and offering what little i can do as a blogger. since i have started this post, i will see it to the end. i agree that decent hardworking people should not be duped out of their life savings. i will ask my blogger buddies who are lawyers to help those who have been victimized. a word of caution, we are entering THEIR realm and before they implemented the whole scam, they’ve thought about all the possible loopholes and legalities. if they have been doing this for the longest time, that only means they know more about it than we do. information is the power they wielded over us and it is only right that we fight fire with fire. will email you guys on my suggestions/recommendations for a call to action. there must be a loophole they might have overlooked.
hello all, just want to share with you re-Phil. Prudentialife Insurance or DANVIL/PPL .
I you havent recd yet your ins. policy you can write letter address to their Pres. that you are going to withdraw and claim/get back your money. You may furnish copy of said letter to SEC. State in your request letter a strong and valid reason why you’re withdrawing it…..dont forget to inform or send also copy to your Credit Card Co. so that they will cancel your transaction related to DAVIL/PPL.
Hi mackybam & Arpee.
Thanks for the idea and concern. They will not do such things like this if they have not planned well everything. They were prepared for this situation. They used dirty marketing strategy to incourage people to avail the product. As I have said If involving media would be a big help I am willing to do it. ARPEE, please email me for any updates. KIndly help us with this. They know nothing how we suffered just to earn the money they have taken from us. MACKYBAM, i have used my international credit card for this. Du you think they will accept my request and coordinate with my issue. Thank you. ( melnokie@yahoo.com)
Mackybam,
I mean if i will send a copy of my letter to the credit card company do you think they will help me this as I have used an international credit card fot this. Tnx.
Mackybam,
I mean if i will send a copy of my letter to the credit card company do you think they will help me on this as I have used an international credit card fot this. Tnx.
Mackybam,
I mean if i will send a copy of my letter to the credit card company do you think they will help me on this as I have used an international credit card . Tnx.
everything starts with writing letters. i strongly suggest, melissa, you try mackybam’s suggestion. always document every step of the way so that when it escalates into a legal battle, you have all the necessary documents as evidence. hwag daanin sa init ng ulo kasi dun masisira diskarte mo
Tnx Arpee.. Nag release nako ng init ng ulo coz I really cant think well.. But now Im ok. I will do and follow your advice. tnx to both of you.
hi arpee, isa din ako sa victima ng danvil, gusto ko rin mabalik ang pera ko kasi palagi kaming nag away ng asawa ko ng dahil sa danvil tulungan ninyo ako please..tanx po
Life is like a game. You must know how to play. But some people playing the game of somebody else game, then you must TOO know how to play, BETTER than the game they played!
OH MY GOD!!! malaking OMG shit… ngayon ko lang nabasa to… kaninang 4″30Pm nadisgrasya ang 9500Php namin sa PPL insurance SM CEBU… katulad din sa mga experiences nyo… my god… ang pinagtataka ko lang, na pwede pala sa kanila ang fiancee, mag-boyfriend or girlfriend at friend ang benificiary,.. sa pagkakaalam ko wala sa batas or bill ng republic of the philippines… when i heard that they are allowing na kahit hindi kadugo pwede daw ma-cover sa mga benificiary… nag-duda na talaga ako… kaso ang partner ko gusto talaga kase maganda ang mga promises nila sa mga plan holders… i told them that we will think about it coz’ it’s a lot of money… but they refuse coz’ the promo is until TODAY!!!… i know that its a shame that we were a victim of this scam…
i will surely report these matters to ABS-CBN and GMA7 news, para naman mag-tanda sila…
monkey wearing lions coat, is still a monkey…
condolence nalang po sa mga pera natin… i know that we are trying to fight for it pero, medyo malabo… after a month or a year they will surely declare bankrupcy sa insurance nila…
i am hoping that they will return our money… GOD Bless nalang po sa inyong lahat…
hello everyone, I’d like to refer you to a blogpost about a person who successfully recovered their money from this scam. http://starcatching.wordpress.com/2009/01/10/danvilprudential-life-updates-and-helpful-tips/ I think we should do something about this, report them to DTI or something.
hi, kindly email me if there are updates regarding this issue, i would also like to recover the money they took from me. thanks! tpgregorio@yahoo.com
hayyy…naku nabiktima rin si mrs. nung oct.16 lang , friday sa sm north may car pa raw na naka display para maakit ang mga tao at syempre maraming lalapit. parehong pareho ang modus nila, ang hinanap sa kanya ay citibank cc para raw ma-qualify sa palaro nila at may mga libre pang kung ano ano. Ang sabi nila hindi insurance kundi savings raw parang trust fund at malaki ang interest at after 1 year pwede na raw i-withdraw, ayaw ni mrs. dahil kailangan ng consent ko bilang principal card holder kaso talagang mapilit sila bale tatlo yung nag tulong tulong at iba pang nagpapalakpakan. sa makatuwid napilit si mrs. kasi nga sa dec.1 pa naman magsisimula ang bayaran , nagulat na lang ako kanina na pumasok na sa billing statement ng cc ko ang 24,000, so ang ginawa ko nag download ako sa citibank ng cardholder dispute letter na i-cancel nila ang said amount at nag fax ako ng letter of cancellation sa prudential pero ang worry ni mrs baka narelease na ang pera ng citibank sa kanila at sa amin na ikaltas, pero ang sabi sakin ng citibank i-hold nila, sana naman. Ito ang pinadala kong cancellation letter sa prudential tru fax
October 23, 2009
ATTN: CUSTOMER POLICY
PHILIPPINE Prudential Life
Insurance Company, Inc.
Suite 305-308, 3rd Floor, AIC Burgundy Empire Tower,
EDB Avenue corner Garnet & Sapphire Roads,
Ortigas Center, Pasig City
RE: Cancellation of Insurance Policy # PPLxxxxxx
To Whom It May Concern;
Please take this letter as a formal request to cancel my insurance policy and stop all charges to my Citibank Visa Credit Card from your company. Please make this effective as of October 23, 2009. I also request written confirmation of this cancellation, as soon as possible.
Sincerely,
Your Name
Address & Signature
Eto po yung letter para may masundan kayong guide, yung dispute letter form download nyo sa creditcard company nyo kung citibank just go to http://www.citibank.com.ph Sana po magtulungan tayo pwede nyo akong tawagan sa 799-21-37 10am-8pm only)kung ano tamang gawin. Salamat po! Update ko na lang po kayo.
arpee, pls. update me at rashky2004@yahoo.com tnx!
kagagaling lang po namin ni mrs. sa ppl sm north, at successful ang cancellation at buti naman hindi kami pinahirapan pero time consuming talaga. hindi na makatulog si mrs. kagabi dahil iniisip nya pano namin gagawin ang laban nga ngayong umaga sa ppl. maaga kaming pumunta halos kabubukas palang ng sm , baon sa aming isipan ang mga nabasa naming tips na narito sa blog, completo sa mga documents na kailangan at nagpaxerox na rin in case.. dahil napaaga kami naisip ko na magmasid muna at bubwelo ng magandang timing kasi ang daming agents nila na nasa lobby sabi ko sigurado sa dami nila mapagtutulungan kami saka para na rin mag hintay ng iba pang complainants ,si mrs. nagmasid sa may sm bingo ako sa may lobby dahil di naman pa ako nila na meet so di ako makikilala, inabot ng 2 hours walang dumating na ibang complainant kaya nagpasya na kami pumasok na naka poker face yung mabagsik ang dating itsurang parang gustong manapak agad, pero syempre sa loob loob namin worried talaga kasi 1 week na ang nakalipas e ang sabi dito dapat w/in 24hours lang, saka sabi mahirap ang ppl mag-grant ng cancellation, so pag pasok may pina fill-up na kapirasong papel tapos biglang sabing bumalik na lang ng 1pm kasi nasa meeting yung kakausapin, sagot ko agad sa astig na boses …hindi pwede maghihintay kami!!! sabi nung bading sa front desk ‘sige po’ ….sabay sabing pakisulat po reason ng cancellation nyo, e di ba nakahanda nga kami kaya iniabot na lang namin agad at nagulat sya…….antay na naman ng matagal tapos complain uli kami…..matagal pa ba??? itsurang banas na kami…kayo na po sususnod dahil inuna pa nila yung bagong dating na student na biktima nila baka nga naman makausap kami at madale pa comission nila, pero panay ang tingin ng studyante sa amin nagtataka siguro sa expression ng mukha namin, nung wala na yung dalawa, bigla na lang sinabihan kami na okey na po sir na cancel na po, so nagtaka pa ako ni hindi na kami kinausap pa, tulad ng iba na pahirapan basta okey na raw agad, so natuwa talaga ako sa loob loob ko pero hindi pa rin nabago facial expression namin na poker face……humingi kami ng confirmation at parang atubili pa sya …sabi ko kailangan ng cc bank namin ng confirmation na na cancel talaga…..grabeeee!!! inabot na naman ng matagal ……sabi ko bat ang tagal e confirmation na lang naman isusulat sa papel na may pirma ng ppl ang gagawin. kalahating oras bago na print ewan ko kung bat ganun katagal…..so read and check kong mabuti para sure tapos umalis agad kami. Dun na kami nagkita at inabangan nung mag bf na student na nabiktima nila, kawawa nga kasi pati kabataan binibiktima walang patawad, tinulungan namin kung pano gagawin, and the rest is history sana nakatulong kahit onti ang kwento ko, o tawagan nyo ako o email ,nasa unang post ko yung #. thanks to Allah natapos rin ang problemang ito sana po kayo rin maging successful sa cancellation nyo. Inshallah!
Yesterday lang nangyari sa akin sa SM North Edsa bibili lang kami ng anak ko ng computer table tapos me representative na lumapit at kung anu-anong pambobola. Kesyo wala daw money involved, the usual thing gaya ng experience ng ibang blogger dito. Tapos offer pa sila ng iced tea or coffee talagang hindi namin ininom ng anak ko baka me kasamang hipnotismo yung io-offer sa iyo. Pero inabot din kami ng mahigit 1 hour kasi nga nagdududa na ako dahil bakit kailangan magdesisyon ka within 45 minutes eh! malaking pera din yung kailang initial deposit mo. Sabi ko di ba kailangan pag-isipan yan overnight kasi 24k is 24k, tapos lapit yung supervisor me offer na maliit na amount na kailangan ipa cc mo pang estudyante daw. Pero nagmatigas na ako ang hindi iyon ang priority ko sa ngayon dahil magpapagawa kami ng house dahil nasalanta ng typhoon pero makukulit talaga sila tinayuan ko na at nag walk out na ako. Sana naman hindi pinapayagan ng SM yang mga ganyang modus operandi na yan. Sana magsilbing aral ito sa mga tao sa mall na wag talagang magtitiwala kahit kanino. God Bless po!
want to say thank you kay rash racid for providing us your sample letter..nacancel na yung policy ko kanina. just got it last october 24, 2009. before ako pumunta sa ofic nila nagprepare na ako nang letter of cancellation. nagulat ang staff doon na may prepared letter na ako. sasabihin pa sana nilang walang office kasi monday at ang manager lang daw ang pwedeng magcancel pero i insisted.magagalit pa sana pero sinabihan ko nang “noong may kailangan kayo sa amin halos lahat e offer nyo coffee, juice and water tapos ngayon pinababalik nyo pa ako for tomorrow para macancel yung policy ko.” e d pinapasok ako, pwede naman pala kahit sino ang magcancel ng policy..for a few minutes nakuha ko na ang SOA na cancelled transactions. just ready your letters and photocopies when you go to there office coz kinukuha nila yung original copies and OR…be sure to to let them sign in your received docs especially the OR..GOD BLESS to all…
To all successfully got their money. congrats! and thanks sa pag post ng tips. Di ko p rin n refund yung sakin as it’s been one month na.
Talaga pwede kahit sino mag cancel nun? Grabe nakakainis! Sobrang mga manloloko sila.. I was a victim as well 19k yung naswipe sa card ko, ang sabi nila ichecheck lang daw kung papayagan. Hindi nyo masisisi yung mga nabiktima, most of them are caught off guard. I surrendered my plan last september. I checked yesterday with my CC bank and they told me that only 16,800 was credit back. I will call PPL’s office later and why didn’t they refund the whole amount to my CC. Ang daming nangangailangan ng tulong regarding the unethical marketing strategy of this company. Saan ba sila under at kanino ba pwedeng magreklamo para naman magtanda na sila.. Kung meron sanang nakakaalam kung anung law ang nagcocover ng unethical at misleading marketing please, tulungan nyo naman po ang mga taong walang magawa.. Salamat!
just called them, the customer service representative (jeff) said the remaining amount will be credit back to my CC. I guess i’ll just have to wait again. I really would like the sales rep to be repremanded. Aside from their misleading information, i can’t forgive the fact that they will lie straight to your face just to sell their plan. Lalo tuloy silang nagmumukhang scammer dahil dun. Sa SM North din ako nabiktima. At first ang sabi sa akin, hindi daw pwedeng icancel yung plan downgrade lang daw! (WTF!) tapos nung hindi ako pumayag, pinaghintay ako ng matagal at saka sinabing itataya nya daw wok nya para macancel yun. It is not fair! I do not know if the admin of the company knows what their branches are doing. Or if they are only concern about their branches meeting their quota. This is not the right way of doing business.. If any of you are planning on doing some legal actions please post in this forum your action plan and what kind of support is needed. I’d like to help.
I went to their Megamall Branch yesterday to have mine cancelled as well. I presented my cancellation letter to one of their staff. Galit na galit talaga ako because I let myself be deceived by these people. The staff told me that if they were to cancel it outright, I won’t get a full refund. She said that they would elevate it to the management and I need to wait for their call for about ten working days or so. Grabe sila, sobrang panloloko ang ginagawa nila sa mga walang kamalay-malay na tao. I even stated in my letter that if I will get a full refund, I will take the necessary action. I even asked to talk to the manager but they told me that she was on a meeting. To *ell with them, they are a bunch of scammers. As of now, hintayin ko lang muna then I’ll think about my next move.
Just a correction:
“I even stated in my letter that if I will not get a full refund, I will take the necessary action.”
Called their customer service again (since the agent didn’t call me back as promised). The freaking sales agent named Edwin from SM North Branch sabotaged my cancellation. Just found out that only my Endowment plan was canceled and the “rider” which was supposedly free is still active! They still owe me 2,200!!!!! Even if their company is legal it seems as if they are operating like syndicates whose only goal is to reach their quota no matter what! I hope that this company goes all the way down to hell for employing such employees! Will give everyone an update.
@flushbowl
Please advice what kind of necessary actions/legal actions are you planning so we could help. I’d really like to see this company reprimanded
to Flushbowl and any1 there. can u email me pls. melnokie@yahoo.com.. Join forces much better. im still on the process of cancellation.
@Mel
What kinds of legal actions do you have in mind?
Does anyone know where we could file our complaint regarding this company?
to Labyrnth29.. send me an email pls.. at melnokie@yahoo.com. better to discuss there.
to Labyrnth29.. send me an email pls.. at melnokie@yahoo.com. better to discuss there.
exposing their modus operandi to the media will definitely hurt them. sama ako if ever may contact kayo sa media.
Got a good news guys! they will cancel the policy and refund the full amount. Just need to return original documents and dats another prb. I dont have it until now. Let’s see again. need another step. But atleast got a gud news..I’ll tell you how I’ve got it when everything is ok..
hello guys, sa akin na cancel ko na, may letter ako galing sa danvil na i refund ang full amount but maghintay ako ng 30 – 45 days..processing daw sana hindi aabot nga 30 days kasi magbayad man ako na interest sa cc ko….sana kayo din marefund din sayo…regards nalang sa lahat sa danvil victims…
Hope everyone should read this blog every now & then…so we willl keep posted.. Let’s see and watch PPLIC ends. TNX to ARPEE’S blog.
I mean PPLIC dirty tactics end.
grabe, they are fucking scammers: every last one of them lying shitfaced freaks! i was scammed also just last oct24. after a very long day of work i paid my bills sa sm north then UNFORTUNATELY my friend and I just had to pass by the area connecting sm north the block and the cinema area of the main bldg then ayun – may lumapit na: ARICA ung name niya if i am not mistaken – smoothtalking bitch – asking if we wanted to win a car, etc- wll to make the long sad story short eh i was duped bigtime: 19.2K charged on my cc. i am not a stupid person – but because i was literally a walking zombie in desperate need of sleep (nightshift kasi ako) and rest kasi talagang may sakit ako that time plus the fact that the rep, BRIAN, and everyone in their office (sm annex) are all conniving monsters out for money eh ayun..BUT naman i did have the common sense naman to ask at least 3x whether if i cancelled the plan eh kung macha-charge ako for anything eh angsabi sakin WALA daw. grabe, tapos i tried cancelling come monday (oct26) by first calling up customer service eh sabi sakin i have to go back daw where i signed up pero wala daw ako makakausap regarding cancelling the plan on Monday so Tues na daw ako pumunta so fine. Then when i went there on Tuesday eh sabi sakin pwede daw icancel ung plan pero refund hindi daw kasi nacharge na daw ung 19.2k sa cc so idowngrade lang dwa ung plan ang possible way – kung sana daw same day of signing up eh dun daw ako nagpacancel eh dun lang daw pwede mavoid ung contract (sabi nung Eric) – WTF!!! but being the slow-to-anger type of person that I am eh di ko naman na-contest un so better may mapala ako so tinanggap ko downgrade – tanga! pero ngayon that I have read this thread eh i feel like i am just about ready to do anything to get my money back. thank you all soooooo much for being fighting for your rights – i will certainly do the same.
Hi thei,
follow the steps that we did.. but the best of all go directly to their main office. They will action more faster than where you signed up. Just prepare your request letter for cancellation.
PHILIPPINE Prudential Life
Insurance Company, Inc.
Suite 305-308, 3rd Floor, AIC Burgundy Empire Tower,
EDB Avenue corner Garnet & Sapphire Roads,
Ortigas Center, Pasig City
thanks, Mel.. hay, grabe, i relaly felt sooo helpless thes past days. Di ako makakain, i barely sleep and its affecting my work na din. my family doesnt even know about this kasi I cant bear to see them disappointed in me for falling for a scam such as this. pero paano kaya un, pina-cancel ko na din the day i accepted the downgrade – pero I guess since tinanggap ko ung downgrade then the plan is still in effect right so I can still formally cancel it and request for the charge to be stopped when I go to their main office right? other than the Request Letter for Cancellation and the docs PPL gave – is there anything else I need to bring like the dispute form from my cc? pag-di sila umayos eh I will go to the media. My ates are from ABS-CBN and all hell will break loose talaga pagnagkaalaman…
oooppss, sensya na sa lahat ng typos ko sa previous posts. hehe
di halatang nanggagalaiti lang naman ako sa galit diba.
hay. no more ms. goody two shoes.
kung hindi lang holiday bukas eh pupunta na ako sa main office sana.
well sa tuesday na lang…
again, maraming salamat sa inyong lahat. this is something we can’t just let go eh – di pwedeng sabihin ay charge it to experience na lang – we all have to do something about this. let us spread the word para mabawasan ang mga mabibiktima nila sa ganitong dirty tactics nila. lahat naman tayo nagtratrabaho for a good future eh paano mangyayari un kung ngayon pa lang nilalamangan na tayo…
Hi Thei,
yes your right. Kahit sino naman ng burst like a pipe nung malaman na nacharge agad s cc natin. Kc di naman yun ang exactly explantion nila. Pwede mo pang i pcancel yan I believe. since kailan lang naman nangyari. you can email me at melnokie@yahoo.com. I’ll tell you who is the right contact person in PPLIC Head office. I’ve got it from one of the victim. Like us.
Obviously, this is a scam that they have been doing for years now to lure people into getting their effing Endowment Account. Malas lang namin ng best friend ko. We never really take time to even get fliers from anyone anywhere, ewan kung bakit on that day ay we gave a chance to that agent “Blemai” sa SM North na ipresent ang hoax na promo nila..
I called up their main office just now and spoke to a certain Carla Norada (perhaps this is the same person that Arpee was pertaining to on his original post. I’m planning to go through their main office muna para diretso ang transaction/request. Carla is now asking me to fax her a cancellation letter and an Incident Report.. Good thing I have that prepared already. I’m sending it to her within an hour. Let’s see where this would go.. Hopefully, it will be a smooth transaction. If it is, then perhaps I can try to help others who have been “pushed/bullied” as well to sign up for an Insurance Policy with them.. How I envy the lady who went in before me.. Ang bilis niya nakalabas with matching MURA to all staff within their office.. Wish I was that mataray at that time – too bad am too polite of a person kasi.. But NO MORE Ms. Polite for them…
Hi everyone, sad to say talaga isa din kmi sa na biktima ng manlolokong “PHILIPPINE PRUDENTIAL LIFE INSURANCE INC.” na yan. naloko kami dahil ang pagkakaalam namin ung savings is within citibank credit card parin mapupunta sabi nga nila “sa bangkong pinagkakatiwalaan mo” at wala dw silang pera na kukunin samin kundi sila pa dw ang magbibigay ng protection sa amin at tuturuan ng tamang pag save ng pera. Ang mali lang kc ng bf ko binigay nya ung card nya sabi kc ng nag oorient samin is susubukan lang dw nila if maaaproved kami if di dw wala sila magagawa.tpos ayun na swipe na nila agad nakuhanan na siya ng P24,000 ng ganun kadali..nagrequest kmi na icancel nila ung policy namin pero maghintay dw kmi ng 30-45 days pra sa processing.
alam kong may way si God pra masupil ang panloloko nila.
Nakakalungkot kc ang dami na talaga nilang nabiktima dpat talaga na mapa-imbestigador na sila pra di lang ilan sa knila ang mawalan ng work kundi mawala na rin ng tuluyan ung company nila kc marami pa ang mabibiktima.
I pray and i hope na maibalik ung perang nawala sa boyfren ko. Now we realize na hindi pala tau basta basta dpat magtiwala sa isang tao.
hi to all…talagang very well trained yung agents nila para manloko…same strategies ang ginagawa…pareho sa sinabi ni jen, ganun din yung sabi nila dito sa smct iloilo…basta tawagan mo lang kaagad yung CC mo para makapagfile ng dispute letter at puntahan yung office ng PPLC…taas noo ka dapat kung pumunta doon para matakot cla sa iyo at macancel kaagad yung plan…ganoon din yung ginawa ko…hehehe…
Mel, can you please email also the right contact person in PPLIC Head office to my email account flushbowl@yahoo.com. Thanks, I got a reply kasi na di raw irerefund yung full amount sa akin tapos pinagagawa ako ng letter of appeal nung isang staff nila para i-elevate daw uli sa management.
hello po sa inyo… around three weeks ago, i received a phone call from PhilAm Plans ata yun, aying I was referred by someone and I have a Php25k worth of Accidental Death and Dismemberment coverage from them. Sabi pa, in order to claim it, I need to present three valid ID’s. My sister went to PhilAm Plans Cubao office to claim her cash loan check, since I remember the phone call, i gave it a try. I was asked to sign form, then the first person who talked to me, asked for a Bank ID and he told me the credit card will do, also he asked for my company ID and gov’t isued ID so I gave him my Driver’s License too. After that I was introduced to a Receiving Manager, she looked nice and presentable. She started praising me, asking me personal questions then she said she knows something that might be of my interest. She told me not to let my sister know because it i a limited offer and not everyone qualifies for that offer. I asked her to tell me more about it, after some presentation, she asked for my HSBC credit card, asked for my other credit cards then she left, she said the approval will take about 3-5 mins. When she came back, she introduce me to a Unit Manager, then they have a landline and they’re trying to call HBC. they said my card was declined, I got confused as to WHY they SWIPED my CARD?!! HSBC said they charged my card Php 11,000+. The had me sign on the receipt and said I was approved for a Php50k plan. They let me sign other forms, sobrang bilis ng mga pangyayari. Walang explanation, they just let me print my name and sign them all. I tried reading them but the fine prints and lengthy words made my tired eyes grew even more stupid. Di ko siya naintindihan, and since I have my sister waiting for me outside, i was in a hurry. When we got home, I reviewed the photocopied paper they gave me. I saw that it was a for authorizing them to charge my HSBC credit card, and I am expected to pay the other amount of Php 30 before november ends.
It was around an hour when we reached Home and I contacted the Lady I talked to, I told her I want to cancel it, and she said Low-batt na yung cellphone niya. She asked for my landline and I waited for her to call. Then I sent her a text message, I begged for her to help me cancel it. And she is prepared with her rebuttals like “so yung budget yung primary concern mo?” and also “if you will not be asked to pay 30K will you still be interested to continue with the plan”. She said ipapa-approve daw niya sa mga managers niya then she wil update me, 24hrs have passed, I still didnt get a feedback. I dont know what to do. Please tell me how to cancel this.
Yung nasa paper “Progidy and Educational Plan ang nakalagay, and i remembered the manager saying “yun kasi yung naka-register sa SEC”… oh.. my.. i really don’t know how they made me say Yes to it. I just really went there to accompany my Ate and to check the offer for Accidental Death and Dismemberment kasi sabi i-claim ko lang. Then I am torn now.
My mom said di daw ako nag-iisip, which is true, I still cannot accept that I agreed to something like this. I am only 23 yrs old and working for less than two years. I have other bills to pay. and yung 11k na charge sa credit card ko is too much, even more the 30k that they are asking me to pay on the 13th of November.
Help me naman po.. I understand yours was bout Prudential. Mine’s from PhilAm Plans. I dont know where to start disputing this. Should I call HSBC? How do we dispute a charge on the credit card and how can I cancel this when they have the docs with my signature on them..
you can also send me an email at jempascual@yahoo.com
Thanks! you’re feedback and tips will be appreciated.
God Bless mga kababayan! I hope to get this resolved soon. I can hardly sleep and eat because of this. Di ako makapaniwala na ganun lang, napa-oo ako. i wasnt really thinking. I need to stop blaming myself and start resolving my problem now.
Hello to all.. I had the same experience, same modus operandi. Mine is from Benlife. I made cancellation letter already faxed to PMRC and to Benlife, unfortunately until now there’s no clear result pa din. When I called them they always making excuses. Please help me..
November 7, 09 SM City Cebu
I have a experience din sa mall sa prudential life, 1st i was walking sa mall then my ng aproach sa akin na taga prudential tapos mananalo dw me ng 10,000$ & brand new car honda civic mglaro dw into spin & raffle, after itanong sayo na u hav CREDIT CARD o any ATM card na activated at my money, and then sabi ko my atm me sa Metro Bank tapus activated pa xa, sabi ng staff ng prudential company pra sure punta kami ng metro bank machine pra e chek o verify my laman o active ba cya, after nuon punta dw kami sa office nila sa loob ng mall Infernes ha! maganda ung office nya ang bunga ng set up, after noon dami sila ng accomodate dun, after papasok na kyo sa opis nla to explain regarding sa saving then u have deposit sa kanila almost p6,000+ after my monthly u nababayaran ko to saving deposit…after how many yrs 5 to 7 yrs.makukuha ung money mo na savings na dodoble or a million na…i was thinking is this desame w/ LEGACY SCAM? ang nakakainis dun nung araw na dun ung lang oportunitis mo ma deposit pra sa savings nila if u decide na nexday pra mg deposit ng saving nila p6,000+ hind na dw pyd kc this day lang dw promo nila…mga gago talaga ung skim nila dapat customer is always WELCOM, style nyo bulok kc pag interesado ung Customer nyo dapat e entertain nyo kc ibang araw…talagang SCAM talaga, ang importante sa kanila mka sign ka o mka saving account ka sa knila to get ur money then u dont know in the future saan pupunta ung money mo the same of LEGACY scam… Hopefully taga cebu o sugbo hindi maluluko na skim nato…beware na ganyan… ( Prudential Life Insurance located SM CITY CEBU near LTO office ) Hope u share din sa experience nyo lalo na sa CEBU City . . .
HI Chreven…Yo have to visit the head office directly para mabilis ang action. If you will just wait for their calls..Naku, malabo..
nakakasama ng loob kasi naloko ako. hindi ko alam na niloloko na pala ako nong nasa opisina nila ako don sa megamall. pumunta ako sa megamall kahapon 11.08.2009.they got 33,600 from me through my credit card. they said they had to check if my bank will allow the transaction. ayon nga pumasok na yung transaction. honestly, i smelled na kaduda-duda nga ung nangyayari non pero i could not explain kung bakit na-fall pa rin ako sa raket nila. can anyone help me how to get my money back? Ako kasi ung taong tahimik lang, hindi ako magaling magsalita, for sure mahihirapan akong ipaglaban ang sarili ko at karapan ko. sadly, napirmahan ko na ung kontrata kaya alam kong mahihirapan talaga ako.
OMG, this is trully bullshit.. i just read this now, and it got my blood rushed to my head!
I was just a victim too when i happened to have a vacation in the Phils and passed at at SM North Edsa MAll… Pls.. somebody help me! they just got my P48K, that’s so big. and i’m not earning that much! Please, can somebody help me out on this!! this is my email add: grazieBD@gmail.com and grace340@hotmail.com
OMG! ngayon ko lng to nabasa! My citibank card has been deducted for the premiums 2 months na. Same strategy that they use here in Iloilo. The people of PPLI are really bad. They do take advantage of the Filipinos talaga. Pwede pa kayang ma cancel yung policy ko? Anyone wouldn’t feel comfortable by the strategy they implement and now reading all these reactions, I would say that I don’t trust their company anymore. So anyone with the same case? How can I cancel the policy when it is already in effect? And is there any chance I can have a refund of my previous payment? Any help on this matter would be greatly appreciated. Thanks!
hello weng…i am from iloilo too..just go to their office bring a letter of cancellation (see sample letter on older post)…if they tell you to come back another day, insist on cancelling your plans on that day…it’s one of their delaying strategies..me, i came on monday, it’s their day off daw and sabi is wala yung manager but i insisted i even gave them a strict look..they immediately cancelled my plans even without the manager and gave me their cancelled plan letter…you have to photocopy first all your documents and let them sign received…you should also call your CC ask them on what you should do to cancel your payment..they will refer you to their concerned department…me, i faxed a dispute letter to the CC plus the cancelled letter i got from PPLC and less than 30 days i got a call from my CC that my account has been removed…GOD BLESS
actually me and my friend was on our way to our reunion yesterday sa sm north edsa then suddenly this girl ask us about winning a car from out of nothing then maya presentation and with got to go to the office downstairs near the bingo office,45 minutes was turned in to closing of sm north edsa grabe ang mga to dapat sila i report sa imbestigador or bitag kapal ng mukha di naman nila kami na persuade pero dami tao na nakakaawa pa na mabiktima pa nila…kapal ng mukha ng mga bulok na pukinang ina mga babae at mga bakla na nagoofice sa PPLC na yan go to hell!!!
hi there!
grabe nman kau magcomment about PPLIC 220 naman d b na may taong manloloko at may taong nagpapaloko so kung ginamit lang ninyo ung mga utak nyo so sana di kayo naloko db??? wag nyo lahat ibuntong ang galit nyo sa PPLIC kc kasalanan nyo din yan!!!
hi dezerie,
tama nman talaga kc maY mga pinag-aralan namn lahat ng tao at wala nmang taong bobo na nagpapaloko kung ayaw nman talga db???
@mary grace: grabe naman 48K? were you able to submit a letter of cancelation? grabe ang mga tao sa north edsa. They’ll lie straight to your face! sabi sa akin hindi ko na daw pwede irefund yung paln tapos downgrade na lng pwede kong gawin. Pero hindi ako umalis at pinilit ko silang ibalik sakin yung down payment ko. Pwede kaya sa head office tumawag at sa kanila ipasa yung letter of cancelation? Mga sinungaling kasi ang tao sa branches nila. Kung umuulan lang apoy kada isang kasinungalingan na lumalabas sa bibig nila sobrang inabo na mga tao dun. Update lang yung 2,200 hindi pa din narerefund sakin..
To Dezeri..
No offense..You could not blame them why they all saying those bad words.. We have diffrent ways of expressing our own feelings and thoughts.. I believe this blog is open to everyone to leave their own opinions and comments like yours. Your definetly right in saying that walang maloloko if walang magpapaloko.. but u cannot tell sometimes when and where people cheating you as some of them were professionally train in cheating.. They just have said that because of anger. Money is involve here and its to diffucult to earn for a living. So i believe you are the one who is nuts and not using the brain. Sorry for the term.. Waht can you say GUYS??
To: Dezerie & Dolores
Better to help those people who were victimized rather that saying those comments. Your worst compared to them.. As it’s normal to say some bad words when your mad.. It’s part of being normal here on earth. Hundreds of people were victimized using PPLIC unethical marketing strategy. So this means that they are really good on this. Congrats! Job well done. but time will come for their FINALE.. And you are lucky as you are not one of them.. So lahat ng naloko is BOBO??? at ikaw hindi?? yabang..
hhuhuhuhu… good thing I googled “Philippine Prudential Life scam”
huhuhuhuhuh
Question: as long as I didn’t actually go there and provide a credit card number, they can’t start charging me right?
btw, you can add these numbers to the list 09178222132, 09178732151
gud pm, cno ba makakatulong s kin dito, gusto ko ng ipa cancel ang plan ko dito, tama nga ang basa ko sasabihin syo na i try daw nila kung ma aaprove ako pinilit nila akong ipa swipe talaga yugn card at pinagtulungan ako ng 3 girl…. 33600 din ang nawala sa akin at pinagawayan pa namin ng wife ko ito… anyone can help … if u want i can call u now…. post ur number here… tnx
Gud pm. sad to say I am also one of the victims of Phil. Prudential and it happened just last night. Sumakit ang ulo ko and hindi ako nakatulog after reading the provisions pagdating sa bahay kasi lahat nga mga sinabi nila e iba sa nakalagay sa insurance clause. Ayaw ko talaga sana nong una kasi nga naman I don’t have enough income para don. Kaso lang ayaw nila akong pakawalan. E malapit nang mag close ang mall . ang sabi nila ita try lang lang if my credit card company would approve me. E yun pala swipe na kaagad ang credit card. They are all liars!!! Gusto ko mang magalit at magmura sa kanila hindi ko na ginawa kasi may pinag-aralan din naman ako kahit paano. Sabi ko cge na lang para na lang sa future ng mga anak ko But not until I read your comments. Ang galing talaga nilang mambola! Congrats to all of them and condolence sa ating mga biktima nila.
hey Jaybee, wag naman condolence sa atin.pera lang yan. baka sa kanila condolence kasi nag pauna na tayo ng abuloy. May awa ang diyos sa ating naloloko. Pagtiyagaan mo lang ang proseso, iggrant ka rin nila.
Alam mo Jaybee, gumawa ka ng cancellation letter addressed to President ng prudential at maki usap ka na icancel na nila ang iyong policy. Actually, ngayon ko lang natangap na naibalik na ng prudential ang 24k ko sa credit card account ko. Cancelled na rin ang finance charges sa akin ng bank.May awa ang Diyos.Kailangan lang talaga na makiusap kayo. Wag daanin sa init ng ulo. Mababait naman sila.
@she…heard na 45days bago maibalik ang refund, totoo ba?Grabe naman sana inilaan ko na lang sa ibang bagay baka tumubo pa pera ko! Swerte nman nila pina roroll pera natin para may pambayad sa sweldo ng empleyado at rent sa SM. Magaling sila mag business walang kahirap hirap sa puhunan o capital.
to all new victims. visit this site.. This might help.. http://starcatching.wordpress.com/tag/philippine-prudential-life/ ..dont worry ,makuha nyo rin yan. Basta ayusin nyo agad and follow the steps. Also, visit this site. http://www.insurance.gov.ph/. Look for emails wherein you can send your complaint. This is the higher commission for all the insurance companies in the Phil.
sir/mam, papaanong diskarte po ang ginawa nyo at naibalik ang pera ninyo?
gusto ko na rin ksi ipa cancel ito at hindi rin ako nakatulog ng gabing yun nung time na na swipe na yung atm ko, at pinagawayan pa namin ng misis ko… help help help nman… sa SM north annex din ito nangyari s kin… tnx
hi ian. give me your email add & i’ll tell you how. It might help u.
Hi all,
You can email / fax your complaint and request for cancellation to the below.
tested ko na. Mas mabilis ang action.
INSURANCE COMMISSION
1071 United Nations Ave.,
Ermita Manila, Philippines
Tele/Fax (+632) 5238461-70
E-Mail: pubassist_ic@yahoo.com.ph;ocom@insurance.gov.ph. Hope this might help you.
they were really FORCING me to lend them my atm card to check if i can take advantage of their offer. i said NO. even the manager told alot of things to try to persuade me.andami na nilang namimilit sa akin. i refused to listen in any of their rebuttals.its a good thing that the manager is stupid that accidentally, he was able to tell me that “may money back naman”, kaya naconfirm ko na tama talaga hinala ko na sa simula palang ichacharge na nila ako agad. nung una ayaw pa nila aminin na ganun talaga. they even told me na maawa na daw ako sa buntis na agent na kumausap sa akin, pumayag na daw ako para di siya mawalan ng trabaho. pasensiya sila, i dont vie sob stories. in the end, dahil mga 2 hours na nila ako pinipilit, sumuko na rin yung mga loko. umuwi ako ng may libreng tumbler at hindi nila ako naloko. thank God. i hope those of you have become victims will get justice. di makatarungan yung ginagawa nila
hi eli… pa here is my email add
christ_ian_sniper@yahoo.com
pa email na lang ako
tnx
sa mga naloko ng PPL , im planning to close my account bukas, sinong gustong sumama pra sabay sabay na tayo at ng di na sila makapag paliwanag pa, ang balak ko pag open pa lang ng mall bukas at habang wala pa silang naloloko pa ay dun ako pupunta umagang umaga siguro mga around 10am ksi 10am ata ang open ng mall
sabay sabay na tayo full force… bring your cancellation letter & all the papers na galing sa kanila… tnx
Hi Ian, actually hindi 30-45 days ang cancellation period. Last Nov 6 lang nila nacancelled ang sa akin pero nung tawagan ko ang credit card company ko ay ibinalik na pala ng prudential ang 36k at fianance charges.. please call or fax to Jenny Santamaria-costumer service officer 6376473- sa main office ng prudential.siya ang nagpapabilis ng transaction para makapag issue kaagad ng Memo ang prudential sa bank including the finance charges
Sa totoo lang, kailangan sa main office kayo mag padala ng cancellation letter at cc nyo ang SM north kasi mas maasikaso yan at pansinin doon. Sa sm north, idelay lang nila request nyo for cancellation. makipagusap kayo kay Jenny at Carla.walang magawa ang PPL branch kung may order galing ng main office.
tnx She, balak ko ksi pumunta bukas or sa Sunday pra mapa close yung acct….
tnx ulit
Kahit po ako noon ay hindi rin nakakatulog dahil sa malaking pera na mawawala sa akin. Kailangan lang talaga na ifollow up parati sa main office, kung pwede lang araw araw paki usapan si carla at jenny.Pagsabihin nila 35-40 days ang proseso, araw araw pa rin ang follow up.kailangan pa rin silang kulitin in a nice way o magandang paki usap.
Kung maari lang, ngayon o bukas mo na gawin ang cancellation letter at address sa President ng Prudential.
tnx mam, natawagan ko na si Carla at mag fax na lang daw ako ng letter sa kanya at ilagay ko daw lahat ng complain ko at tutulungan daw nya ako maayos yun khit di na ako pumunta ng SM North
ngayon ko lang to nabasa comments nyo guys, isa n pla ako sa mga na scam, tnx at natagpuan ko tong site nato, Sna guys matulungan nyo rin ako kung pano ang steps pra macancell yong plan ko sa PPLIC, mam she pls help me tnx, bro ian punta ka ba sa SM North bukas?
hi Rodel,
Just prepare your cancellation letter & complaint and send it via fax and email to:
ATTN: THE MANAGER
3/F Suite 305-308 AIC Burgundy Empire Tower
ADB Avenue Cor. Garnet St. and Sapphire Rd., Ortigas Center
Pasig City, Philippines
Tel. No. (632) 638-8163; 631-2028; 634-5294; 635-5126; 636-3645
Fax No. 631-3228
EMAIL TO:
giniestamaria@yahoo.com – MS. GENIE STA MARIA
cnorada@philprudentiallife.com – Ms. Carla
They are nice and they should be.. Then, follow up mo lagi..
File ka na rin ng dispute form for the bank.
once nakuha mo na ung CANCELLATION from INCEPTION from PPLIC
forward mo yan sa bnk mo para mabawi mo rin ung interest charge. I hope this might help you.
hi Rodel,
Just prepare your cancellation letter & complaint and send it via fax and email to:
ATTN: THE MANAGER
3/F Suite 305-308 AIC Burgundy Empire Tower
ADB Avenue Cor. Garnet St. and Sapphire Rd., Ortigas Center
Pasig City, Philippines
Tel. No. (632) 638-8163; 631-2028; 634-5294; 635-5126; 636-3645
Fax No. 631-3228
EMAIL TO:
giniestamaria@ yahoo.com – MS. GENIE STA MARIA
cnorada@ philprudentiallife.com – Ms. Carla
They are nice and they should be.. Then, follow up mo lagi..
File ka na rin ng dispute form for the bank.
once nakuha mo na ung CANCELLATION from INCEPTION from PPLIC
forward mo yan sa bnk mo para mabawi mo rin ung interest charge. I hope this might help you.
hey! im one of you, tomorrow early in the morning 10am ill be there sa sm north annex to file my cancellation letter!!! waaaah!wala pang 24hrs, kanina lang around 9pm ako naloko ng PPL na yan
merun po bang pupunta ngayun sa PPL sm north annex? im about to go there, pwede nyo po ako itext (09291989944) para sabay tau to complaint… whew! Our God is faithful kaya alam ko di nya hahayaan na walang mangyari sa lakad na ‘to…
wala nako mgagawa, but ALL THINGS ARE POSSIBLE TO GOD TO THOSE WHO BELEIVE!
Godbless sa atin…
nakakuha rin ako ng endowment plan. Magaling talaga sila sa sales talk at na train ng mabuti. Gusto ko ang plan dahil sa “savings” ang priority nila.
Meron lang akong tanong about this savings they are offering.. Is our money safe with them or protected by local government?
Sana may protection sila sa mga endowment plan or saving plans.
hi rose, ngayun sana ang punta ko kya lang di ako matutuloy..
try ko na lang bukas or next week…
rose kung ano man result ng lakad mo ay i publish mo dito para makakuha ng tip ang iba pa… good luck
sino ba dito meron idea about sa endowment plan? protektado ba tayo dito o hindi?
PPLIC is a legitimate company but they are doing unethical marketing strategy. Protektado talaga tayo sa plan. But why we would waste our time and money for this, ‘coz sa umpisa palang there’s something fishy.. for my own opinion, if you really want an insurance, look for the other company as equal or better than them..
PPLIC is a well known insurance company anywhere, but b’coz of this marketing strategy they are also starting to become a very well known ins. co. in cheating.
Prudential is a well known insurance company anywhere, but b’coz of this marketing strategy they are also starting to become a very well known ins. co. in cheating.
Gudpm! tama kadyan sir eli, hindi talaga maganda ang marketing strategy nila, tnx po sa advice, pero sir wla po akong idea pano gawin ung body ng letter, tsaka hindi po ako gaano kgaling sa english, sana po sir matulungan nyo po ako sa paggawa ng letter ng pag cancel…Godbless you sinbihan ko narin mga kaibigan ko na magingat sila lalo na kung pupunta sila ng SM North…Salamt ng Madami.
Shit nabiktima ako kahapon sa sm mega,na swipe na ung card ko..pano ko marefund yung pera ko?Pls. need help
pls need help
@ Rodel & Sai
Eto po yung letter para may masundan kayong guide, yung dispute letter form download nyo sa credit card company nyo kung citibank just go to http://www.citibank.com.ph
November 21, 2009
ATTN: CUSTOMER POLICY
PHILIPPINE Prudential Life
Insurance Company, Inc.
Suite 305-308, 3rd Floor, AIC Burgundy Empire Tower,
EDB Avenue corner Garnet & Sapphire Roads,
Ortigas Center, Pasig City
RE: Cancellation of Insurance Policy # PPLxxxxxx
To Whom It May Concern;
Please take this letter as a formal request to cancel my insurance policy and stop all charges to my Citibank Visa Credit Card from your company. Please make this effective as of October 23, 2009. I also request written confirmation of this cancellation, as soon as possible.
Sincerely,
Your Name
Address & Signature
To Rodel and any1 outder..
follow the letter that Amir did. Very straight, add mo na lang din na you want to refund the full amount that has been charge to your account.
wag po kayo mawalan ng pag-asa. ako kasi wala pang 24hrs eh napuntahan ko sya agad, ayun kanina naging successful yung lakad ko. kinancel nila yung plan ko sakanila, pero before yun ang dami dami nilang tatanungin. the best way is to ignore everything what they say.. magaling silang magconvince, be smart lang sa pagsagot, show to them na hindi ka nila maloloko.. ayun, yung kagaya nung letter of cancellation jan yung binigay ko sakanya, magprint nakayo bago pumunta para ready agad. tapos pa counter sign nyu yung letter. then after nun nagpunta ako sa bank ko, ayun ifoforward ko sakanila yung letter of dispute at letter of cancellation confirmed by PPL, tapos yung bank ko nadaw ang bahala. sabi kasi sakin sa PPL 30-45 days daw processing, bago nila maibalik yung pera nakuha sa cc. basta mahalaga makipagcoordinate kau sa bank nyu, at may hawak kayong letter of cancellation. inassure naman ako ng bank ko na maganda sa letter of dipute ko i-state ko nadin na charge-back yung pera nakuha sakin w/in 75days,, ayun, babalik balik padin ako dun sa PPL to follow up,, Godbless us guys! ang sabi pala sakin, refundable naman yung money kaya ayun.
hi ian, kelan kpaba kumuha ng plan sa PPL?
sa sm north annex ka din dba? mas maganda personal ka pumunta dun para ma-assure mu na aasikasuhin nila yung request mo for cancellation. tatanung lang naman nila reason mu bakit ayaw mu na. wag mu na pagtagalin, puntahan mu na agad…
ok naman cla kausap eh, basta wag ka papaintimidate sakanila… medyo matapang pero nice ka makipagusap dapat… Godbless sau, wag ka magalala makukuha mu din yun, basta asikasuhin mu na agad..
hi eli, 30-45 days din ba yung sinabi sayo ng PPL na processing days bago marefund yung amount na nacharge sa cc mu?
salamat po.
hi rose,
yes 30-45 days. n approve for cancellation ugn request ko on nov 5. and i have to wait 5-7 more days para makita ko sa statement ko na totally charge back n s cc ko. will keep u posted. other says, less than 30 days lang.
Oh my God! i was at the SM Megamall kanina lang, same exact “power sales talk” from the rep and the manager. the first rep sabi 45 minutes lang daw pero ilang oras inabot, long story short, check daw muna nila yung CC ko kung payagan ng bank, etc… di talaga ako pumayag, sabi ko pag iisipan ko muna. sabi nila duda daw ba ako sa company, issue ba ang money, etc. sabi ko hindi issue ang money at wala akong duda sa company, I know the company is LEGIT. I just need to think about it first. ang lagi nilang banat pwede mo nmn pag-isipan pero check muna daw yung card kung ma-approve ng bank at one day lang daw valid, kung hindi maaprove, wala sila magagawa. dun pa lang ako may hint na ko na parang scam to ah. ang ganda sana nung plan kaya lang why do they have to do it that way? why can’t they wait until I have decided, at least mapag isipan ko man lang? dahil makulit talaga (this time dalawa na sila), kahit LOWEST amount na lang muna daw tapos pag isispan ko after. medyo naiinis na ko kasi gusto ko na rin umalis, sabi ko I have to think about it first BEFORE YOU CHECK my card and if it is only valid for one day, sorry for me, maybe I just need to look at some other options. what’s worse is parang galit pa sila at walang napuntahan ang sales talk nila. anyways, buti na lang pala di ako pumayag kanina re: the “verification of the card” thing. THANK GOD! I could have been charged Php 96,000.00.
hi eli, kelangan ko paba ng SOA? kasi merun ako letter of cancellation at dispute letter to be forwarded to my bank, nid pba ng SOA na may nakalagay daw na sa status field nya eh “cancelled upon inception”?
tnx so much.
hi rose, tnx sa info….
iniisip ko nga kung anong magandang gawin kung pupunta ba ako sa SM annex or i fax ko na lang yung letter for cancellation sa main office nila , ilang letter ba ang dala mo?
maliban sa letter for cancellation may ibang letter ka pa bang dala?
tnx
naisahan ako ng PPL last Oct 29
ian mas maganda kung personal kang humarap sakanila at pumunta ka ka talaga dun sa sm north. agahan mu,, pero darating pa yung customer service rep. nla mga 1pm. they are nice naman, at iaaccomodate ka nila. maging nice ka lang sa pakikipagusap, ask lang nila reasons mu bakit ka magpapacancel, sa akin kasi 3 ang kumausap. tlgang pinipilit ako na sayang naman daw. takot cla sa lawsuits, saka ayaw din nila masira yung name nila. may dala ko 2 original letter of cancellation lang, tapos may countersign nila. after mu dun, ifax mu yung letter of cancellation mo confirmed by PPL ska letter of dispute sa CC company mo pati pala yung SOA na nakalagay “cancelled upon inception” para alam nila na cancelled na ang transaction at hindi kna mkakareceive ng mga bills. ako magrerequest plang ng SOA bukas. sa mga ibang blogs na nabasa ko, naibalik naman yung mga nacharge sa CC nila. kaya wag tayong mabahala, basta take time na mapuntahan mu talaga cla. God will make a way 4 us.
To Rose & IAN.
you need to get the SOA with status Cancelled from Inception. Once you have it, forward immediately to your bank. Mas maganda talaga pag punta ka personally. but case to case basis din. For example wala pang 24hrs ung subscription mo, madaling makuha ung SOA- cancellation from Inception but if medyo matagal na, I would suggest that you have to visit head office personally. Fax first your letter then visit them. para pag punta mo may i follow up ka na nag fax ka nag cancellation letter. Kasi sa case ko, twice lang nagpunta representative ko to SM north as they cannot give me what I have wanted. panay na tawag ko, dami ko nang nagastos na overseas calls to follow up my case. So we decided to visit the head office personally and finally na cancel naman.
hi eli,
tnx for the info..
nga po pala, panu ba yung format ng letter of dispute?
anu yung content ng letter?
can you give me a sample dispute letter?
tnx so much! Godbless..
HI rose,
Lagay mo lng ugn transaction detail n i report mo for dispute. i.e.. transaction date.. merchant name ata yun then ung amount… then reason why mo nireport for dispute. may mga option dun. only that… kasi sakin nasa ibang bansa ko ngaun, hiningi rin ng bank ko ung letter or complaint ko…
eli,
pwede po ba pa-mail sakin ng sample ng dispute letter? (bhe16_redeemer@yahoo.com)
i have no any idea how to do it, may nadownload ako na form from my bank, pero yung mga option dun parang wala naman po dun yung need ko na ireport… please!
bukas kasi punta ako ulit sa PPL to request for my SOA, para sabay2 ko na maforward sa bank yung mga documents needed…
salamat ng marami…
good am… finally na cancel ko kahapon yung PPL plan ko,
buti na lang may SOA na rin ako na binigay nila nung time na nagpunta ako at naisahan ako … humingi na rin ako ng letter for confirmation na cancel na talaga yung plan, isa lang ang kumausap sa akin kahapon siguro hindi na rin sila nagtanong ng nagtanong kung bakit ko i cacancel ksi marami silang client yesterday, ang ginawa ko nga ay inilatag ko yung letter for cancellation ko sa table at bka nga mabasa ng ibang nsa table na katabi namin… waiting pa raw ako ng 30-45 days bago maibalik yung pera na swipe sa cc ko…
tnx sa mga tulong nyo, pumunta na kyo kung saang branch kyo nag avail ng plan pra maayos agad.. tnx ulit
She…sorry for the word na gnamit ko…dala lang ng sobrang init ng ulo. I went back to pplc last nov. 19. Same time nung dinala ako ng promo agent nila the night before. I am not feeling well that day but pinilit ko para lang ma i–hand in ko yung cancellation letter. pina fill up nila ako ng form and ask me why ipa-pancel ko. I said I was given a misleading information. Nung inisa-isa ko na ang mga reasons they were trying to disclaim it. hindi raw nila sinabi yon and they are very sure dahil lahat daw ng mga sinabi nila nka script. Ipinakita ko na rin ang dala2 kong print out ng mga negative comments from the internet. Actually medyo nagalit pa young sales manager nila nang kunin ko to sa isang couple na nkasabay kong mag file ng cancellation. hiniram kasi nila sa akin bago kami pumasok sa orientation room . Pero sila sa another encloed room pinapasok. cguro dahil mas malaki yong amount na involve sa kanila… mga 38,000+ yata…They threaten me pa nga na pwede daw akong kasuhan at makulong ng 46 years because ang gusto kong palabasin na niloko nila ako. Sabi ko nga, granting na hindi nyo ako niloko, still I want to cancel my policy. Sa sobrang galit ko at init ng ulo na hindi ko mailabas labas lalong sumama ang pakiramdam ko. Medyo sinigawan pa nga ako ng sales manager nila kasi from time to to time nakatingin ako sa paligid. Huwag daw cla ang tingnan ko kasi iba ang transaction nila. Sabi ko sa sales manager i-receive na lang ang cancellation letter ko because I wanted to go home dahil baka himatayin ako dun kasi nga naninikip na dibdib ko. Pero ayaw nyang tanggapin. aware daw ba ako na wala na akong makukuha pag pina cancel ko yon and magbabayad pa rin ako sa credit card co. ko despite of that….sabi ko k fine magbayad na kung magbayad basta i-receive nya lang yong letter. Pero ayaw talaga and nobody else daw would receive the letter dahil ayaw kong makinig. Nanginginig na ako and halos hindi na makapagsalita So sabi ko kung ayaw mo wala akong magagawa but I need to go. I fax ko na lang ang letter sa head office nu. hinabol pa niya ako hanggang sa labas dahil baka mawawalan daw sya ng trabaho…I said to myself buti nga kung mangyari yon pero hindi na ako nagpa awat sa kanya. So I faxed the letter na lang sa head office nila the next day. Gaano ba katagal bago cla magpadala ng confirmation? Hindi ba pwedeng mag file ng dispute kung wala yon?. Hay… Nov. 18 and 19 is a nightmare to me. Nag absent nga ako sa trabaho last friday sa sobrang sama na pakiramdam ko because of pplc. Ok lang sana kung marami akong pera but I am just a mere clerk and a breadwinner of my family who’s trying naman sana na makapag save para sa mga anak ko…
hi, Jaybee.Pakifollow up mo na alng parati kay ms. jenny o kay carla para mapabilis ang proseso. pero kailangan mo kasi maisurrender sa branch nila ang PPLC documents. pilitin mo sila na irecieve yon.
hello guys! I was so shocked with what I have read with your blogs. I have availed one of their plans last October 10 and after that day I can’t stopped myself but to think if I have done the right thing. Until this time that I came up with the realization that my intuitions are correct that I shouldn’t have availed the plan. Guys, please help me on what to do. Is it possible that my cancellation would be approved though it had already took a span of time before I realize that I want it to be cancelled?Thank’s
Please email me samples of those letters and yung mga steps to follow sana..Thank’s!
I really wish that everybody here can recover their money in full amount including all those charges and premiums we have pay.Here is my email guys, nnehj_zdar@yahoo.com
I was amazed with how they encourage us to save and for me, mas lalo akong nadala since I want my salary na may puntahan…since I’m still single and still young this is the perfect time. But if the money was not in good hands, better na mapunta na lang to other things than to think your’e saving but at the end…you have nothing… Better na sa Savings Account na lang tayo mag-save so if we need it urgently or badly we know where to get the money,not like this that we’re all in a situation that we we’re thinking that we have nothing at all…
hi nnhej,
punta ka lang sa branch nila kung san ka kumuha ng plan,
prepare ka ng cancellation letter, like this
November 24, 2009
ATTN: CUSTOMER POLICY
PHILIPPINE Prudential Life
Insurance Company, Inc.
Suite 305-308, 3rd Floor, AIC Burgundy Empire Tower,
EDB Avenue corner Garnet & Sapphire Roads,
Ortigas Center, Pasig City
RE: Cancellation of Insurance Policy # PPLxxxxxx
To Whom It May Concern;
Please take this letter as a formal request to cancel my insurance policy and stop all charges to my Citibank Visa Credit Card from your company. Please make this effective as of October 23, 2009. I also request written confirmation of this cancellation, as soon as possible.
Sincerely,
Your Name
Address & Signature
then, ask ka nila bakit mu pa-cancel.. be firm lang sa pagsagot, they are nice naman.. basta kahit anu sabihin nila wag ka nalang makikinig… after nun, pag-ok na hingi ka ng SOA, then iforward mu sa bank mo yung letter of cancellation confirmed by PPL, SOA and dispute letter… after that we 30-45days processing bago maibalik yung na-swipe sa cc mo. ako din til now waiting pa ma charge-back sa akin.. kaka-cancel ko lang nung 21 eh.. Godbless us all!
visit this website for helpful tips…
http://starcatching.wordpress.com/2009/01/10/danvilprudential-life-updates-and-helpful-tips/
jhenn – try mo gawa ka ng letter for cancellation, ang inilagay ko sa letter ko ay “halos 20 times akong sinabihan na walang babayaran pero ano ito halos malubog ako sa utang sa credit card ko” , isa pa, inilagay ko rin na sinabi nila sa akin na “check lang po natin kung ma approve kyo pero di nila sinabi sa akin na ma charge na pla ako sa credit card ” , nung mabasa nila yan wala na silang tinanong sa akin kung bakit ako mag cancel, humingi ako ng mga confirmation letter na cancel na pati SOA ko ay cancel na rin… then pina sign ko yung customer service officer then sabay alis, sabay fax sa CC company at follow up ko na lang ngayun
To: Dezerie & Dolores
I BET YOU ARE WORKING FOR PPLC.
oo nga kasi nalulungkot at nagagalit na nga mga tao, yan pa ang sinasabi nyo halata naman talaga na PPLC kayo.tumahimik na lang kayo dezerie at dolores kung wala naman kayong maitulong kundi manloko
do you really know what insurance is all about? im not 1 of pplc but im 1 of there planholders.insurance is good to those people knows how to save.so those who are dumb about what insurance is all about better shut up!!!!!
you know i was invited to attend a presentation in SM, so far maayos naman ang naging experience ko doon although yes its true they will convince you at talaga namang matagal bago ka palabasin pero di ba tinatanong naman if happy kayo and satisfied tapos pag ayaw niyo talaga pwede naman nila i-cancel void ang transaction just like what happened to me. they cancelled the transaction on the spot kasi sabi ko nabigla lang ako. i just dont understand bakit kayo galit na galit wherein pwede naman kayo kasi magpakatotoo pag nasa loob pa kayo ng office nila hindi yung ok kayo sa loob tapos paglabas niyo kung anu-ano ang sinasabi niyo di ba sino ngayon ang nanloloko? magagalit kayo kasi kumuha kayo ng ino-offer nila pero di ba kung may isip kayo hindi kayo basta pipirma ng mga documents na hindi niyo naiintindihan tapos lalabas kayo pa ang inagrabyado. wala akong kinakampihan, kasi wala naman ako mapapala sa company na yan ang point ko lang magpakatotoo tayo kasi hindi naman mapa-process yung mg papel na yan kung hindi tayo pumayag di ba????????
GOYO…
ofcourse! everybody knows what insurance is all about… what they are talking about here is the way how they are selling the product.. ” UNETHICAL MARKETING STRATEGY”..that’s it! My father is working with Prudential Life plan since I was a child and resigned from his duty coz he is 65 now. And its enough to serve PPLIC for that long period of time. He is also a plan holder and most of my relatives were PPLIC plan holder.. But this year 2000 onwards they are using this unethical marketing strategy which puts PPLIC in bad situation despite of being one of top insurance company in the phils. Some of the commentors of this blog has been posted their opinions wrongly bout PPLIC b’coz of what happend to them and better correct them nicely. So, you should be the one who better shut up and cover your mouth.. NUTS…..
ang promo officer db ng explain naman ng maayos sa akin na ang promo ay libre saka totoo naman na bibigyan ka ng gift.. ang sa akin ay pillow hindi ako siningil… sa loob lang ay may presentation na bebentahan ka talaga ng insurance nila pero bago nila tatanungin ka naman kung ok sa yo ang insurance at kukuha ka ba… magaling talaga mg kumbinsi ang presentor tapos ng kumuha ako ay tinanong ako ng cashier kung makano ang kukuha sa credit card tapos pinirmahan ko na ang receipt ng credit card ko paka tapos ay pinalaro na nila ako.. hindi nga lang ako nanalo… yun ang na experience… umabot nga lang ng oras yung sabi nila na 45 mins presentation… i dont know if yun din ang naranasan nyo… hindi ako kumakampi sa kanila ha.. sinabi ko lang kung ano ngyari sa akin… pwede nama n yata na mag reklamo kayo sa mismong office nila… na invite kasi ako sa SM Cebu
hay bkit ba kau ngagalit sa pplc mas may mga masasamang ginagawa pa nga ung iba jan, mas scam, bagay na makakatulong nman sa inyo at d nman tlaga panluluko minamasama nyo, sabihin na nting magagaling lng tlaga mag convince pero u know what kung ayaw mo talga bat ka magpapapilit,. tinutulungan na nga kau magsave for your own nman, sbihin nyo pang manluluko, pano kau naloko? nakuha ang pera nyo? nalipat ba sa ibang tao? hindi nman dba? kumuha nga kau ng plano, pero kanino nkapangalan? sa ibang tao ba? sa inyo nman dba? pa scam scam pa kaung nalalaman, e d sana matagal ng hinuli at pinasara yang company na yan. hay mga tao talaga, di nyo kc naiintindihan kaya kau ngagalit….
i should reply to this one i think. i called it a scam because of the marketing strategies they have used to sell insurance. that’s what upset people, including me. if you read the whole post, i did mention that they should have just said outright that they were selling insurance, which i would have gladly bought because i was looking for some anyway. they never said that. instead, they made it look like a promo that will make you win a car and lots of money. THAT’S what made it a scam.
OO nga. scam nga talaga.andaming binibiktima. totoo naman talaga sabi pa nila, wala daw charges sa banko, yun pala anglaki pag hindi mo kaagad naibigay ang fullpayment ng initial deposit.
Arpee is definetly right. You’re (KISS) the one who cannot understand… read and understand the whole story of this my friend before you said anything…
is anyone there na nakapaghulog na for the past 3 months and nai-refund pa?please help us.
para sa akin yan insurance na yan ay nababagay lang sa may extrang pera, mayayaman, gustong mag save at dun sa may paniniwala sa word na “insurance”. Ako, gustuhin ko man yan ay hindi talaga pwepwede dahil hindi swak sa budget kaya sana nung sinabi ko na di ako interested wag na sana mangulit. Piliin na lang nyo yung aalukin nyo siguro naman may iilan ilan pa namang gusto nang insurance tulad nina kiss, goyo at prettyfez.
sa wakas nakuha ko na ang full amount refund ko ,thanks God makatulog na ako ng maayos, sa mga hindi pa nakuha huwag kayo mag urong sa pag follow sa main nila pag meron na kayong letter galing sa danvil na na cancell ng plan ninyo i fax kaagad sa main nila ang fax# 02-636-3645 hanapin lang ninyo si Ms Jenny Sta Maria mabait siyang kausapin tumulong siya sa inyo, siya ang mag po push sa acctg.nila para ma process kaagad ang refund or charge back sa inyo at tawagan lang ninyo yung bank ninyo mag fax kayo ng dispute form. God Bless…
YUP this is terribly a scam! I was been patiently listening to that 45-min orientation that takes 2 hours ..Nagduda na ako nung i swiped na nila ung credit card ko i refused that then sabi ko baka mamaya nian bawas na ung account ako..at in chorus pa sila ngsalita dun na HINDE!!!they will just check lang daw kung active and points lang daw dun sa naginterview,besides bank to bank naman daw ang transaction.. so panatag ako binigay ko ang isang credit card ko na active pero with small amount and to make sure na hinde makakaltasan..very unethical ung nasa cashier tanungin ba naman ako magkano daw laman ng credit card ko sapat ba daw to open the initial account sabi ko HINDE! nagtinginan sila,and the other girl said baka may iba ka pa jan na credit card, even i have sinabi kong wala na..and i said akala ko ba active credit card lang ang requirement..so wala sila magawa…kitang kita ang modus nila they wanted to withdraw from your credit card in that moment!…So dun sa nagsasabi na it was not a scam…PKI-ORIENT ANG MGA TAO NYO WAG NG MAGPALIGOY LIGOY KUNG NAGBEBENTA KAU NG INSURANCE TELL DIRECTLY IT WAS A YES OR A NO LANG NMAN SA MGA CLIENT WALA NG PALABOK NA INAABOT NG 2 HOURS! BIGYAN NYO LANG NG FORM ANG MGA TAO AND HAYAAN NYO MGISIP HINDE UNG ARAW LANG NA UN!YANG HONDA CITY AND $10,OOO PALABAS LANG NILA YAN!
I had the same experience. Gusto ko din makasave kaya ako nappayag magavail ng plan. I felt wrong after signing the policy. Cguro kc napakabilis kong ngdecide. Partly it was my fault kc pumayag din naman ako. I did some research, in good condition company nila and the product was ok din. But still even though ok company nila,still feeling ko, naloko ako. their market strategy is not ok. Sa hirap ng pera now, dapat isipin muna several times before gumasta…un ang di ko nagawa,ang magisip. When i got home, dun lang nagsink-in sakin nagawa ko.Then i read this blog, lalo ako natakot. 2 sleepless nights,grabe. What i did was i made a letter to cancel my policy. I was scared kc parang katakot magpacancel. Sa main office nila ko nagpunta, sa ortigas. In fairness to them, all went well. Manager ata nila nakausap ko. I explained my side calmly. They cancelled my policy agad. Pinirmahan agad ung letter of cancellation ko, ganun kabilis. Maybe mas ok if dun kayo direcho sa main office. Talk to them calmly, ganun kc ginawa ko. Im still waiting na macharge back sa cc naswipe. 30 days pa daw kc. I’m just praying na maging ok na tlaga lahat. Anyway i have a letter naman with their sign kaya mejo panatag na ko now.
Please tulong.
nakarinig na po ba kayo ng Prudential Life Plan dito sa Cebu?
Yong office po nila sa Keppel Bldg sa 14th floor..i think it is also a SCAM.
Please help me get my money back.naka charge din po kasi sa ATM ko yong dapat sana i-save ko sa plan nila..
Need you help please…
maawa kayo..malaki yong perang nakuha sa kin..at wla na po akong trabaho ngayon..
pinacancel ko na policy ko bago mag december 1 kc ito ung first monthly premium ko wla din pambayad, tinanggap naman ung letter at pinirmahan, kaso wla na daw refund kc wla pang 1 year, wala akong magawa kasi hindi ko maafford, kaya pumayag nlang ako kaysa lalaki ang utang ko sa CC ko, pinakiusapan ko na nga na kailangan nmin pera ng asawa ko, pra sa kapangankan nya this april wla daw tlaga, binigyan ako ng SOA na Cancelled w/out Refund, may mgagawa pa ba ako na marefund un, Rose, ian, Eli, She at Jaybee? thanks guys
hello guys,
nag-email ako sa prudential life pero wala akong reply na tanggap sa kanila.
they have 2 email address:
philprulife@philprudentiallife.com
support@philprudentiallife.com
gusto ko sana masagot nila ang tanong. what if something happen to the company? are they going to refund our savings? in what way they can assure that we get our money back?
until now, im still waiting for there answer before I start paying on dec. 15. if no answer, i believe the company is starting to have problems.
tinawagan ko kanina ang branch ng pplic. sabi daw secure daw ang money at mamabalik daw kung mayrun mangyari sa company nila.
sabi nila ang documents ko daw ang patunay para maclaim ang savings ko. totoo ba toh?
Like my case, before ako i charge ng 1st monthly premium ko pina cancel ko na.. Na approve naman for cancellation at wala namang sinabing no refund as I really insist to cancel my plan. Na avail ko ung plan Sept 16 then nag file ako ng cancellation on the Oct 25. Within this week baka ma charge back na s CC ko ung amount..I try mong marefund full amount Brian.. Kailan ka ba nag avail ng plan from them?
I gave up lastnight because they delayed me in their office for more than 2 hours even if I asked persmission to leave the office. Ayaw ka tagang pakawalan then same thing they made a transaction through my account at wala akong nagawa than to signed. Today I wrote a letter of cancellation sa main office sa Manila hoping my update bukas. Wla po ba kayong other way to cancell the policy agad at wag pagmunta sa branch office nila? I am from iloilo ayoko na pumunta sa branch office nila dito sa SM kasi they will only pour bad words and insult me why I filed a cancellation. Please do help me…
hayzzz.. gumawa pa ako ng problema ko nadengoy din ako ng scam na iyan. ayan tuloy galit na galit ang kapatid ko. fifile na rin ako ng “letter of cancellation ” tommorow. ayan tuloy hindi na ako makapag rport sa opisina today..
hi mel… i went to their head office with police pa nga pero alang ngyari hindi pa rin na cancel. my credit card was asking for cancellation from PMRC kc naka bill na daw yun sa akin. sobrang bastos pa nga kc lakas na ng voice ko sa galit then nilakas din nila ang sound system para siguro hindi marinig na iba.. upon reading this website i notice that mine is different, mostly prudential/denvil, mine is from benlife but the marketing group is PMRC.. please help… anyone?
mahirap kitain ang pera. i lost 22k just like that. please help naman guys.
To Cherven..email and fax your concern to:
INSURANCE COMMISSION
1071 United Nations Ave.,
Ermita Manila, Philippines
Tele/Fax (+632) 5238461-70
E-Mail: pubassist_ic@yahoo.com.ph;ocom@insurance.gov.ph.
Kasi ibang insurance company ka pala, but they are using the same strategy..Kasi base sa experience ko, naging mabilis ang action ng Prudential PLIC head office nung mag email ako sa higher commission which is the INSURANCE COMMISSION.. Less than two weeks nagkaroon na ko ng response from head office. Nag email sakin ang insurance commission and attached to that was the letter to PPLIC head office informing to grant my request for cancellation and refund. So, I hope this can help you.
;-( sad to say navictim din po ako sa PPLIC last Nov. 17 2009 sa SM pampanga, but the saddest thing is naipaswipe ko po ang debit card ko,
para po akong nahypnotized kasi sa sobrang bilis ng ginawa nila. Pero naipacancel ko rin po dat day, so akala ko maibabalik agad ang pera na nakuha sa akin, so bumalik po kame kinabukasan sa company naggawa [po me ng complain letter, sabi nila after 10 working days daw po ibabalik na, so tumawag po ako after 10 working days, nakausap ko c HENRY PUNZALAN sabi mga 1 week pa daw dahil on processing na daw…,;-( sana nga po maibalik ang pera ko, help naman po please ….. paki imbestigahan naman po kung totoo ang company na yun kasi madami pa clang malolokong tao…
to mai…u can go to their office at smct iloilo…it only took me less than 1 hour to cancel my plan…just be firm to ask for a letter of cancellation…please read my previous comment regarding how i got mine…GOD BLESS
to lhet
gudpm. ask ko lang po ilang days po ang sabi sa inyo bago ibalik?
although kahapon pa ng gabi yung transaction ko… after 24 hours pa ng sink-in sa akin lahat ng ito… i was so freak out on my way home kanina… i even dropped my Cellphone twice. im going to cancel my insurance account definitely. haays! i know insurance is good but the way they do their marketing strategies were so insulting and degrading on their customer’s part.
hi rani, dont wori mbabalik din yung naswipe sa cc mo, basta puntahan mu nalang agad sa office, wag mu na pagtagalin…
Godbless!
TO ALL THE VICTIMS OF PHILIPPINE PRUDENTIAL LIFE INSURANCE COMPANY, PLEASE REFER YOUR REQUEST TO pubassist_ic@yahoo.com.ph TO GET YOU MONEY BACK…
TOTOO PO ITO
O ALL THE VICTIMS OF PHILIPPINE PRUDENTIAL LIFE INSURANCE COMPANY, PLEASE REFER YOUR REQUEST TO pubassist_ic@yahoo.com.ph TO GET YOUR MONEY BACK…
TOTOO PO ITO
wow, just this afternoonmuntik na kong mabiktima ng PPLIC na yan.. i was strolling near sm dept store in SM north Edsa when a gay named “happy” A.K.A “romnick” stop and ask me if which is better, mastercard or visa card.. then he offer me a free gift if just sign the paper and he keep on saying no money involved. tapos i get along then he told i have a chance to win a brand new car and USD 10,000 for the raffle ticket if i play a stupid touchscreen game. then he told me 45 minutes lang daw for all the process then i can go home na. then i finish filled up the forms and they ask me to sit down and be talk by another Gay named “sam” and assisting me is “JOLLY”.. they talk and talk non stop and almost lure me to swipe my credit card.. i dunno what happen but when they are about to swipe my card and the manager is telling me the process i suddenly stop them and tell them a big “NO” as in.. and i said wait i think i need to relax a little bit and think one more time.. then they sit me down again and try to convince me on anything telling me stupid things and tactics just to make you swipe your card and PHP 28,000.. i told sam i feel like your company is a scam and he answered that “omg, why you say that, we’ve been in the bussiness for 65 years, how come you’ll say that” then i had big feeling and make me stay for another 30minutes but they never had my “YES” at all.. i left the office and rush to my laptop just to find out this blog.. thank god i was noot victimized and i was able to escape that horrible scenario and regrets that i was about to gone through.. i learned my lesson and never again be push with those gays and beautiful cars.. haaizz..
hello guys puntahan ninyo ang sm admin patulong kayo diyan, prepare lang ninyo yung reason bakit gustong mong icancel mo ang plan , tulongan ka nila at sana strong ka ha at ready yung letter of cancellation at magbigay ka ng copy sa sm admin ….
I got a call a while ago for the same stupid transaction..binola pa ko kasi yung boses ko daw parang 21 years old lang hahaha. Ayun, pinapapunta ako sa southmall and asked me to bring 2 valid id for a chance to win a car and $10,000. Nahalata ko agad na scam kasi pinadadala din sa kin cc ko. Sabi ko company and school dalhin ko identification lang naman di ba?? (anyway wla nmn talaga ako balak pumunta,hehe!) Then sabi di pwede kelangan yung isa credit card. Kahit super duda na ko, naisip ko magsearch and really so THANKFUL sa mga comments. Sana ma-stop na ang ganito and those guys leading all these scams go to HELL!!!
Thank you so much for all the help, it help me a lot. Ms. Ginie called and she investigated me last wednesday and Ms. Carla called me again today and informed me that my policy s cancelled na daw. Though it is not 100% sure pa medyo happy na ako that my they acted my complaint right away. Ms. Carla told me that she will email the SOA with status cancelled on monday. Thank you again guys… Keep you posted of my status.
mga sons of b**tches cla!!!!!!!! at malaking A**HOLE tlaga… kagagaling ko lang sa office nla sa sm city iloilo pra magpa-cancel, prang ako pa ang my kasalanan, bakit ko raw binigay ung cc ko? loko ba cla eh sabi skin hiramin lang at subukan if ma-approve ng cc company, then sa isang swipe lang swak kagad ung cash… But many thanks talaga sa mga post nyo d2, na file kna ang cancellation letter ko at my soa nko status cancelled from inception… update ko nlang if nkuha kna ung refund… tnx tlaga sa lahat at kay arpee…
good afternoon guys ako din po na victimized ng pesteng insurance company na yan kahapon lang..buti na lang nabasa mga side comments niyo na ganun sila magsalita na kala mo ikaw pa may kasalanan at bukas mag aabsent lang ako from work just to go in their office to cancel my account.ask ko lang po ano ang dapat kong gawin before ako pumunta sa office nila?do i need to go first to SM PAMPANGA ADMIN?matutulungan ba ako agad ng SM ADMIN kasi malaki ang nakaltas sa cc ko 15,800 malaki pong amount yun para saken kasi i have a daughter and i’m a single mom..help naman niyo po ako..any advice would be a great help guys..
thanks in advance
hi tin,
no need pmunta sa SM ADMIN, wala naman sila alam dun..
just go directly to PPLIC office, bring your cancellation letter… at hingi ka SOA…
they are nice naman… Godbless! mababalik din yan…
thanks rose ngayon morning punta ko magsimula nung sunday two sleepless night na ako hindi makatulog kasi di basta basta yun yung 15,800 na kinaltas nila from my c.c. at ayaw ko magbayad ng ganon ganon lang kasi di madali kitain ang pera…update kita mamaya sana masettle na ‘to once and for all para akong na trauma sa nangyari..
Hi guys, help nman.. what if almost 4 months ka ng ng nka subscribe sa PPL, is there any chance na macancell pa un and get back your money.. ngaun ko lang kc nabasa e2ng blog na to eh.. my alam ba kayong instance n nkapag cancel pa.. hope you can help me.. many thanks
hi guys! I went to SM North last NOv 25 para i-pacancel ang policy ko. Aun the guy with whom I talked always insisted that I can have it cancelled with no refund. Until now nag-follow up pa rin ako and it was still under evaluation pa daw. They are not consistent, the one I talked last time said na may makuha akong refund for a certain amount and then ngayon wala daw since more than 30 days na bago ko pa-cancel yung policy…Gosh! Is that true? paiba iba statements at xempre di ako papayag na walang refund. Guys, ano na bang steps dapat kong gawin? Thank’s
hi ian– magkaiba yata tayo ng case since yung sakin I have already paid the first premium. Anyways, thank you sa info…:) Sana talaga ma-refund yun.. pang-birthday ko na sana yun…Basta follow up ko na lang everyday, pag wala pa din…I’ll bring my friend lawyer na talaga sa main office. I just want to settle it first myself lang muna talaga. Thank’s guys!
In my case, I avail d policy Sept 16 then forward the cancellation on the oct 28 and requested to stop the monthly premium. My request for cancellation and refund has been approved and it’s been more than a month nung inform ko sila. So, I dont believe na no refund..
Hello guys, I’m also a victim of this bullshit insurance plan. Kakagaling ko lang sa office nila (Dec 8, 2009) sa SM Fairview 3rd Floor and submit my cancellation letter for that plan. Last Dec. 6, 2009 ako na-”convince” ng mga mala-anghel at may pagka hypnotizer nilang mga staff. Lahat ng mga experience ng mga blogger dito is same din sa akin. Sa awa ng dyos inacknowledge naman nila ng letter ko pero 30-45 days daw yung processing. On my part pina-block ko na yung credit card ko and bukas submit ako ng dispute form to hold any charges from my credit card. Dapat ma-”IMBESTIGADOR” or ma-”BITAG” na sila para matigil na yung mga panloloko nila…
helo there! agree ako kay radsimize,
dapat masiwalat na yung ginagawa nila, napakaunfair,panu na yung mga navictimized nila dati pa…
Nasa Iloilo na din ang mga lokong toh!!beware nasa SM ILOILO CITY sila at the lower ground floor!!!
Tips to cancel your account:
– Be respectful to them when you requesting for a cancellation
– control your temper
– make a photocopy all documents that they have given to you also make a copy of your cancellation letter.
– Bring all documents that they gave to because you will surrender it to them
– If possible, bring friends or relatives as many as you can to avoid in bullying you inside their office
– Make a strong decesion that you want to cancel your account
– Lastly, expose this scam to public using media to avoid more victims
Gusto ko na i-report sa Imberstigador yung maling marketing strategy ng Philippine Prudential Life Insurance Company Inc. pero natatakot ako sa kadahilanang baka mapahiya lang ako dahil sa katangahan ko sa pagpirma ng mga dokumento na binigay sa akin na ayaw ko naman talaga. Napilitan lang ako dahil sa mga magaganda at matatamis nilang mga salita na makakatulong daw yun sa amin. Kawawa naman kasi yung mga magiging biktima nila. Please po sa mga nabiktima, may laban po ba tayo kung magrereklamo tayo gamit ang media. Magtulungan po tayo. pwede nyo po ako email sa isa kong account 2000paul.aviola2000@gmail.com
Hi rads, i agree with you…i was a victim too last nov 18,na pa cancell ko na rin ung plan ko,pero wla pang advise from them kung na reverse na sa card ko..grabeh talaga cla, pano nila nacckmura na ung mga pinapakain nila sa family nila eh galing sa mga panloloko nila..gusto ko rin cla ipa imbestigador kaya lang super busy me ngaun..kakalungkot lang dami pa rin kc nila nabibiktima…open na rin cla sa iloilo and cebu….SM should not allow this kind of tenant..im willing to testify in case..e-mail me @ azhir27@yahoo.com…thanks
I hate going to SM Southmall because I see those vultures all the time calling your name asking if you have credit card. I feel stupid and gullible for falling into their trap. When I cancelled it they said there’s no way to get my money back and already it’s forfeited since I signed their contract. I want to get my money back jut like everybody else here. here’s my e-mail: unspoken_thoughts@hotmail.com.
Enna hingi ka ng advise kay Rash Rashid. ako napa-cancel ko na yung account sa kanila. Sir Rash Rashid salamat po sa advise. You can call him @ 799-21-37.
Hi to all, I was forced to get the policy last Nov 30 and I filed a cancellation letter last December 1, 2009. I send a letter of cancellation addressed to the president, PPLCI Manila through email and fax, copy furnished the Insurance Commission and SEC. Main office responded kaagad after 2 days and they emailed me my SOA with status canceled last December 7. Put all your contact numbers/email address in your letter because if they received your letter they will call you. In my case they called twice, one during the investigation and second when they informed me that my policy was already canceled. They are nice at madaling kausap basta be sure to control your temper when you are talking to them. Now I am waiting for the result of my letter of dispute to my credit card.
For mai. After they emailed u the SOA, na send mo rin ba thru fax yung SOA mo at ang dispute letter mo sa iyong bank? Or hindi na kasi cla nlang ang magbigay ng memo sa bank mo? Please give me some info. Thanks
Kailangan pa bang ipadala yung SOA at dispute letter sa bank ko kasi ang sabi cla nlang daw ang mag transact kasi nga bank to bank transactions. Totoo ba ito?
Please give me your advise. Thanks
TO TINTIN
MAG EMAIL KA SA pubassist_ic@yahoo.com.ph gawa ka ng request to get your money back as soon as possible den sabhin mo ang reason kung bakit gusto mo mabalik ang pera mo. Cla ang tumulong sa kin kaya nabalik ang pera ko, Yung PPLIC sa Sm pampanga mga sinungaling cla, Hanggang ngayon hnd nila ako ini inform na nabalik na ang pera ko, mali pa ang mga bnigay na contact number, mga manloloko cla , makakarma din cla ang dami nila binibiktima. Pero last week pa naibalik dahil nag email ako sa pubassist_ic@yahoo.com.ph( MS GINNY)
Goodluck po sa inyo.
kelangan mo pa din ipadala sa bank ko, for supporting documents…
To CEL28
Nang mkuha mo yung SOA mo from PPLIC, nag send kpa ba ng iyong dispute form at SOA sa company ng iyong bank? At totoo po ba na 30 – 45 yung sa iyo bago naibalik yung pera mo? Please me your answer. Thanks talaga in advance.
anyone here? may ngrant n b n cancellation from prudential?
To Eggie: OO mayron na. When ka nag avail ng iyong policy?
Hi. Nagpasa ako ng cancellation letter yesterday Nov. 13, 2009. However, they said that hindi ko na marerefund ang pera due to the “30-day termination period” at i-elevate na lang ang petition ko for full refund sa management. Is there any way possible that i can get my money back? Huhu. Any information would be greatly appreciated. Thank you! T.T
To Keren: When ka nagpasa ng cancelleation? yesterday? Kasi Nov. ang nalagay mo pero when mo na avail ang policy mo? at saan?
To S: I “availed” the policy last Nov. 6, 2009. Errata: Dec. 13, 2009 kahapon ako nagpasa ng cancellation letter. i’m from laguna pa kaya hindi ako madalas nakakapunta sa SM Megamall kung saan ako nagoyo. Hindi ri ako aware dun sa 30-da y termination period. Thanks for the prompt reply.
Hi.. you can get your money back.. I availed the plan Sept 16 then passed my cancellation letter on the Oct 28. and tehy approved it for cancellation & full refund. Email your concern to
INSURANCE COMMISSION
1071 United Nations Ave.,
Ermita Manila, Philippines
Tele/Fax (+632) 5238461-70
E-Mail: pubassist_ic@yahoo.com.ph;ocom@insurance.gov.ph. Hope this might help you.
To J: Yes they told me na sila nalng bahala sa bank pero nagsend ako personally ng copy of the letter of dispute together with the SOA status canceled to the bank through fax.
Sa mga magppacancel ng policy, i suggest na sa main office kau magpunta sa ortigas. Mas ok kausap mga staff dun. Just be firm with ur decision na u want to cancel ur policy. Talk to them calmly. Naibalik na sa kin ung naswipe last nov15. Ibabalik naman nila within 30 days. Makipagcoordinate na lang kayo sa bank nio. Make a dispute letter and hingi din kau letter from PPLIC stating na cancel na policy nio. Then send those letters to your account para mas mapabilis ang cancellation. Then lagi nio follow up sa bank nio if nacancel na nga.
grabe! hindi ko akalain na mangyayari din sa BF ko ito. It only happened last Saturday, December 12, 2009 sa SM Southmall. We were both invited to this orientation thing after offering us freebies and telling us that we have a chance to win a new car or $10,000! I really had a huge thought about it, that this is a scam. Pero, wala. nangyari na ang kinatakutan ko. At first, during the orientation eh talagang hindi na ako bilib dun sa kausap ko. Immediately after declining his offer, hindi na nya ako kinausap ng matino and pretended na may sinasabi sya sa akin. I told him, “ang galing naman ng strategy nyo!” he was teary-eyed na. Pinipilit pa rin nya ako kahit ung pang-student daw or yung medical insurance. Sabi ko, NO. I was worried about my BF who was being oriented sa medyo malayong table from us. feeling ko eh talagang pinaglayo kami.. I also reasoned out dun sa kausap ko na i need to consult this thing to my BF, kaso un BF ko naman ang bumigay. Nag-insist na ako sa kausap ko na gusto ko na lumabas. sabi ko pag di nya ako pinalabas magwawala ako. and then, he let me out. ayun, kaya pala matagal ang BF ko sa loob, naloko na sya. at tulad nyo nga, sabi nung kausap nya mag fill-up lang nung form at titingnan lang kung mattransact ung account. next thing eto na ung SoA. Nung lumabas ako, I tried calling him and texting him na uuwi na kami. kaso he kept on ignoring me. na-goyo na talaga sya. at super bad trip na ako talaga.. yes, we had a fight about it and saka lang nya na-realize ang ginawa nya. Nagalit talaga ako kase hindi ko din naisip that he would give in. Anyway, imbes na magsisihan eh inisip namin kung ano ang gagawin. first thing we did was, call the customer service. I already made a cancellation letter for my BF kase yun yung sabi ng nakausap nya and thank GOD, nakita ko ang site na ito. Thank you so much! We are off to SM Southmall on Wednesday, 16 December dala lahat ang dokumento at tips galing sa inyong lahat. Salamat talaga! Although 6K plus lang un na-credit sa BF ko, un fear na ma-continue ung charging talaga ang inaalala namin. sabi nga nya, okay na di mabalik un 6K plus basta maputol na. kase sabi nya he deserved it because of his stupidity (sorry for the term), pero inamin naman nya.. I hope wala ng maloko at magpapaloko.. yes, they do good marketing strategy, as in. pero not in a proper way. grabe talaga.
btw, guys my BF’s cc is BDO. I just downloaded the dispute letter pero since this is my first time doing this, i don’t know what to put doon sa POSTING DATE. alam ko lang transaction date, un ung araw na nagoyo si BF ko.
Again thanks guys. Sana maging successful ung pag-refund ninyo, including my BF. God bless po! thanks so much!
To Keren: This is my strongly advise for you. Make a letter and fax it to them.
Tested ko na po ito. More than a month din yung sa akin. Basta go straight sa reason mo at makiusap ka din na approbahan yung cancellation letter mo. I hope makatulong ito sa iyo. Pra matigil na ito. Hindi pa naibalik yung pera ko. Atleast nag- aantay nlang ako.
INSURANCE COMMISSION
1071 United Nations Ave.,
Ermita Manila, Philippines
Tele/Fax (+632) 5238461-70
E-Mail: pubassist_ic@yahoo.com.ph;ocom@insurance.gov.ph. Hope this might help you.
@S .. Last october p un.. ang n debit s akin is 16,800.. s officemate ko is 44000..grabe nd me nakatulog that time… ang bilis ng mga pangyayari… pero s ngaun inaayos ko n cancellation… buti naopen ko tong site n to… hopefully maging ok n…
guys.. s mga mgpapacancel sa Head Office kau punta or fax nu letter of cancellation (631-3228). Mas mabait mga tao don kesa s mga nasa mall…
hay… GOD BLESS US ALL>>> nxt time… mag-ingat s mga decisions natin…
nakausap ko si miss ginny… ngp fax sya ng cancellation d2 631-3228..
mga ilang days kaya bago maayos to… huhuhu….
to cindy_kiks : i suggest sa Ortigas ka dumirecho. Madali lang makita ung bldg. Likod lang ng robinson.
Suite 305-308, 3rd Floor,
AIC Burgundy Empire Tower,
ADB Avenue corner Garnet & Sapphire Roads,
Ortigas Center, Pasig City
Yan ung address. Mas madali kausap staff jan. Madali mcancel policy basta wala pang 30 days mula ng nagawa ung transaction. Marrefund mo din ung naswipe na bf mo. Just be calm. Wag agad init ulo. Naibalik na sa kin ung naswipe. Un lang it took almost 30 days tlaga. Pero ang important naibalik. Dont forget humingi ng SOA sa kanila and letter na may pirma na cancel n nga ung policy. Then fax mo sa bank m. Btw, BDO din bank ko. They ask a letter of dispute tiaka letter of cancellation from pplic. Goodluck and advance merry xmas. =)
To S: thanks so much!
i hope we’ll all get our money back. here’s a link kung saan nafeature ang danvil/phil prudential life insurance: http://www.iamneri.com/2009/04/beware-of-danvil-plans-video-on-probe.html
Best of luck to us!
To Mel: thanks din! im so glad kasi nagwala na ako’t lahat sa branch nila sa sm megamall eh hindi na raw pwede marefund yung pera ko. God bless sa atin talaga! sana may groups na ganito sa facebook
@george_girl — Salamat! Opo, dun na nga kami pupunta ng BF ko bukas. I am not so familiar with Ortigas kase po taga-Laguna talaga kami. Hanapin na lang namin kung nasa likod lang ng Robinson. Wow, buti naman po nakuha nyo na. okay na ung 30 days kesa naman sa wala pong nangyari. Til now nga mainit ulo ko sa BF ko, di naman sya makareklamo sa akin. Sana maayos na po after tomorrow.
Kanina tumawag na si BF ko sa BDO and he was advised to not to fax them anymore kase iinform naman daw ng PPLIC sila about dun. Pero I told my BF to still fax yung mga dapat i-fax sa bangko para sigurado. Ask ko lang po, what to put doon sa Posting date na nakalagay sa Dispute letter ng BDO tutal pareho pala kayo ng cc bank ni BF ko. Thanks so much in advanced!
Balitaan ko po kayo agad kung ano mangyari bukas at sana hindi kami maligaw. LOL! Merry Christmas din po!
just to brighten your day, i have a contest in my blog. click this link to win http://arpeelazaro.com/2009/12/16/win-a-free-schutzen-planner/ Nothing to buy, just answer a question. first comment wins a schutzen perpetual planner.
hello all! I just got home from Prudential Life’s main office sa Ortigas kanina and my BF was able to cancel his insurance plan in less than 30 minutes. Si Miss Carla yung humarap sa amin and the discussion was too brief, hindi na nagtanong kung bakit ipapa-cancel at sa lobby lang naganap ang lahat. hinintay lang namin yung SOA at letter of cancellation na ifa-faz sa bank. Tama ka george_girl, sa main office talaga pala dapat pumunta para mas mabilis, yun nga lang intay pa ng 30 working days bago mabalik yung na-credit.
Salamat po sa inyong lahat. Sana po maging successful na din yung sa iba. Merry Christmas!
To cindy_kiks:
Buti nlang yang 30 days kaysa wla talagang mkuha dba?
We are so thankful kasi mabait talaga c GOD.
Sana maging successful din yung cancellation ng iba. Merry Christmas!
to cindy_kiks
Cge po,advance Merry Xmas!!! 
GodBless!
Ayan, makakatulog na kau ng mahimbing.hehe. Ako kc 2nyts tlga dilat kakaisip. Pati work ko affected. Tapos nabasa ko pa ung mga blogs dito na sobrang hirap magpacancel. Buti na lang naicipan kong sa ortigas dumirecho. Actually ok naman tlaga ung company nila, ok din product. Kaya din cguro ko napapayag pumirma. Tiaka gusto ko din naman tlaga magsave. Ang mali lang tlga sa kanla, ung market strategy nla.Kaya parang feeling nating lahat, naloko tau.
About sa dispute letter, di ko maalala ung posting date. Para sure, call ka sa BDO, ask mo format. Then fax mo pa din sa BDO lahat pra kulitin nila ang pplic na icancel.
Dont worry, ok na yan. wait ka na lang. WAg ka na din mainis sa bf mo. Tlaga lang na magaling magconvince tao dun kaya sia pumayag.Pinagaaralan nila un, pati ung pagsusulat ng baliktad.hehe. Baka ang nasa icp ng bf m dat tym is ung future nio. Basta moral lesson nating lahat, bago magdcide, icipin muna maraming beses lalo na if money ang concern.hehe.
To S — Oo nga po, 30 working days daw so aabutin pa ng January 2010. Okay na kesa sa wala. Grabe, akala ko papahirapan kami dun kanina.. I took a pic pa nga of their lobby and their Christmas tree para souvenir haha
Opo, super thankful ako kay God kase pinag-pray ko talaga ito na malampasan agad namin. Lalu na at magpapasko. Merry Christmas S! 
To George_girl — ay opo makakatulog na talaga ako, lalu na si BF. Naawa din nga ako sa kanya kase worried sya sa cc nya at sa galit ko, hindi ko kase kinakausap ng ayos mula nung nangyari yun. May nakuha na akong format nung dispute form ayun nakalagay nga ay posting date, transaction date etc. pinatawag ko na BF ko dun tomorrow para magtanong sya hehe.. Hindi na po ako naiinis, okay na ulit. Siguro nga ganun ang naisip nya, yung future, kaya bigla sya napasubo. Talagang malaking lesson ito. Na-share ko na sa mga kamag-anak at friends ko na mahilig mag-mall… Merry Christmas ulit!
Sana nga po magkaron tayo ng group sa Facebook para mas okay. Join po ako dun, promise! God bless po. Thanks po kay Arpee for posting this blog. Laki ng tulong mo sa amin..
hey guys… n grant n cancellation ko… (thanks God)
and thank you so much arpee for this site…
To those people n mgpapacancel ng insurance.. be nice when talking to them (employees from Head Office) be calm… wag mkipagtarayan… mababait mga employees s Head office unlike s mga nasa mall…(kainis sila)
Good Luck Guys!!!!
Thanks so much ARPEE ^.^
Naibalik na rin sa akin ang 24K at finance charges.nabawasan ang problema ko sa buhay. Maraming salamat Arpee. God Bless you and your family. Merry Christmas.
Hi all, help nman.. what if 4months na ung policy mo?? my chance pa bang macancel un?? gusto ko na sana i withdraw un kahit small portion n lng makuha.. need ko na kc money.. hinayaan ko lng kc dahil wala na kong mgawa d ko agad nbasatong thread.. hope you cal help me..
To Ed: When naaprobahan yung cancellation mo? at when nila naibalik sayo? Ngayon lang? Kung ngayon lang e more than 30 days pala..tapos nag send ka rin ba ng iyong Statement of account sa bank mo? O pinaubaya mo nlang kay kanila? Thanks in advance.
To Ed: When naaprobahan yung cancellation mo? at when nila naibalik sayo? Ngayon lang? Kung ngayon lang e more than 30 days pala..tapos nag send ka rin ba ng iyong Statement of account sa bank mo? O pinaubaya mo nlang sa kanila? Thanks in advance.
hey guys… may question pala me.. kc ung case ko is …september 5 2009 n debit ung 16,800 s credit card ko.. un ung initial premium and then october , november pati now dec 1610 n charge as subsequent premium n… so total is P21,630… can i refund full this amount? n ayos ko n kc cancellation ko.. wait ko n lang ung amount n maibalik s credit card ko… help me nmn… before pala may finance charge s credit card ko… dahil nga nd ko nbyaran ng full ung due amount ko… pwede ko rin b i appeal un n ibalik dn… (sorry guys kung mgulo explanation, pero bhala n kau umintindi.. HEHE)
Thanks
@ nor
yah pwede p.. mag email k s prudential ng cancellation letter u.. address to Ginny sta. maria giniestamaria@yahoo.com tas cc u pubassist_ic@yahoo.com
dapat ung padala u letter may signature k
To S:
Last October 23 ano nag apply for cancellation. Naibalik sa akin ng November 16, 2009.Ifollow up mo lang parati kay carla o ginnie sa Prudential main offcie.
To Ed: Nag send ka rin ba ng iyong Statement of Account at dispute letter sa cc bank mo? Thanks in advance! Merry Christmas na rin sa iyo.
thanx sa mga nagpost dito, na-charge na sa cc ko yung full amount…
wala pang 30 days naibalik na xa,
Godbless us all, i will pray for us all, sa mga hindi pa naayos, just have faith… nothing is impossible with God!
Merry Christmas to all..
Hi Gie,
Would you able to get your money back or even a portion of it?? anyone in same situation with me.?
To S:
oo,nagparecieved ako ng request for cancellation letter sa bank ko pero hindi na ako ako nagdala ng SOA.. nakiusap ako sa banko ko. sila ang nag ayos para mapabilis ang proseso. doon ka mismo pumunta sa banko mo.
Thank you for that information Ed. Have a joyous christmas to you! ^^
@ nor
yah, makukuha u pa pera u.. may charges nga lang sila 30% ng gross payments u… thats accdg to miss ginny of prudential costumer service… un dn sabi s kin.. pero try ko p rin n mkuha tlga ng full ung pera ko.. waiting n lng me n m charge back s credit card ko ung money… balitaan kita if naayos n..
@ ed
ask ko kung pano gnawa u para mbawi ung finance charges…
laki n rin kc ng charges ng credit card ko dahil nd ko nbayaran ng full ung due amount ko…
hi poh, i had same experience poh kc kahapon nagpunta kami ng husband ko sa sm southmall taz same ngyari… sabi daw check daw poh cc then parang nagtaka nako kc kinaskas nila ung cc namin ng husband ko kahit umayaw kami, sabi for record purposes lang daw wala naman daw tatatak sa SOA ng cc… i thought, “talaga lang ha?!” pero confused na talaga ako. may pinapirmahan sila samin na acceptance to debit and charge na form, un nga sabi record purposes naman daw… naloko kami. if may mag reflect na transaction sa SOA namin next month ewan ko nalang… susumbong ko na talaga yan sa authority… dami ko nabasa today eh, dami na din pala naloko nila…
Why to wait next month to see your cc statement. Check you na po agad para ma cancel mo na rin agad ung policy.
i just called today sa customer service ng credit cartd namin, medyo at ease nako. wala naman daw nagawang transaction nung chineck ng danvil at tinawag. hahay. pero naiinis parin ako sa danvil na yan! dami ko pang mga nabasa grabeh mga walang hiya talaga sila… in fairness galing nila magsalita as in you’ll fall with their tactics talaga at napabilib nila ako dun (kahit ba naloko din kami haha). ewan ko din ba bat pinapayagan ng mga malls mag rent sa kanila mga company na ganyan. kc in a fact nasa malls sila, iisipin ng tao maganda at mapagkakatiwalaan dba? dapat sa una palang, di na nila pinapaupa yang mga manggugulang na mga company na yan para walang nadadaya…
May kapareho ba na case dito sa akin? Na pa cancel ko na po yung sa akin pero hindi
nlang ako nag send ng SOA at dispute kasi sabi sa akin hindi na raw kailangan.
Pero nkabayad na po ako ng aking credit card bill this month pero hindi ko po na full payment. So, yung interest na kasama dun sa premiums na kinuha nila nasali na dun.
Ngayon, may new bill na nmn ako yung interest nandoon pa rin kasi nga hindi ko nabyaran ng full. Nag hihintay pa kasi ako na maibalik nila yung pera ko..kung skali na maibalik na nila yung full amount..paano nlang yung mga interest na nabayaran ko? maibabalik pa din ba sa akin yun? E magbabayad na nmn ako ulit kasi hindi pa nila naibalik yung pera ko kasi nandoon pa din yung interest sa bill ko..yung sa mga nkakuha na ng knilang pera naibalik ba sa inyo pati yung na charge na interest? help nman oh~thanks talga in advance. Happy new Year!
TO S sori late response….
after po ibalik ang pera ko naginform lang ako sa kay ms ginny (pubassist_ic@yahoo.com.ph) hnd po totoo na after 30- 45 days ibabalik kasi after ko po magemail kay ms ginny kinabukasan naibalik na po pera ko… pero yung branch ng PPLIC SM pampanga until now d nila ako tinatawagan, d nila alam na naibalik na cguro ang pera ko. mga sinungaling kasi cla
Hi everyone. I’m glad i found out this blog. First of all, I am not filipino but my girlfriend is. She was also conned into signing up for this. I then found out they charged my mastercard 57,000P! My girlfriend will be going down to SM Pampanga to sort out the cancellation with them. It’s very difficult as I am in Singapore and i am not there to oversee this. Appreciate any advise on how i can reverse the charges. I have already called my bank to cancel the credit card so there won’t be any future transactions on it but now, i need to get my 57K back!
HELP! ~ Daneal
Hi Daneal. It’s very easy to get your money. When was that happened?
Is it new? She can still get it. She needs to go back to SM pampanga or send to Manila her cancellation. Their main office is in manila. So, it is easier to send it there. In her
papers, there’s an address in manila and the fax number. She can still get her refund.
Don’t delay. Better to do it as soon as possible.
Just send more of your letter and I’ll help you more.
Thanks for reading! Happy New Year!
@S: Thanks for your assurance
They made the transaction on 22 Dec. She will go down to SM Pampanga either today or tomorrow to do the cancellation. I hope they won’t make it a hassle else she will have to make her way down to Manila which is a little inconvenient. Sigh..Starting the new year bad 
Good news. My gf went down to SM Pampanga today and the people there asked her to write a cancellation letter. They asked her to come back on Monday to do the refund back to the credit card. Please advise if this is how things are done in PH?
@ Daneal. Yes, it’s good news! It’s true. That’s how things done in here. Surely, she can get her refund. See? It’s easy. I’m happy for you and to your girlfriend.
Is ms ginny email add is: pubassist_ic@yahoo.com.ph??
just want to confirm ms ginny email add, is it pubassist_ic@yahoo.com.ph?? TNX
@ Ann: pubassist_ic@yahoo.com.ph is not Ms. Ginny email add.
TNX S.. coz got confused.. coz I know ms gini’s email. so just thinking maybe something fishy again goin on.. now it’s clear..tnx once again.
@ Ann. You’re always welcome. God bless you!
Honestly po, meron kasi tayong “proud effect or yabang” sa katawan kaya when people asked if we have credit card, we just proudly say ‘yes’. I am not sure why, but I also feel the same way sometimes. Maybe having credit card in the Philippine is a very big thing. Wala pong offence sa inyo. Eto yung, bitag ng mga manloloko kaya madali nila tayong masilo tulad ng PPLI na ito na wala yatang alam gawin kung hindi ang mamerwisyo ng mga taong namumuhay ng maayos.
Muntik na rin ako, pero when I realized that the lady in the office was asking me to fill-up all information about me like my birthday and mother’s maiden name, nag duda na ako. Kaya, walang ni ha ni ho, nilayasan ko. Hinabol pa ako nung babae, sabi ko “hindi ako interesado”. Hindi kasi na-iswipe yung card ko at isa pa cancelled na yung card… ha ha ha! Mastercard Titanium kasi yung card ko kaya lumuwa ang mga mata ng mga manlolokong patay gutom, kala madaming laman. Bwahahaha! Naikwento ko sa frend after that incident, na nadali din pala ng 42K.
Meron pong huling part yung form, Your Dreams: Answer ko sana ganito, sana umunlad na ang Piliinas at mawala at mamatay ang mga salot at demonyo sa lipunan na walang ibang alam gawin kung hindi ang manloko ng tao. Pero wala na ako chance dahil nilayasan ko na, sayang.
Ingat po tayong lahat. Siguro pwedeng isumbong sa channel 2 or 7.
to all:
i’m going to the ppl head office tomo at ortigas to cancel my IP
hope it wud be easy as others said. it’s been 4 mos now but in some many reasons, i hardly make a payment for 2 mos dat wud result to past due status of my policy…ngaun ko lng xe nkta blog na to, dpat sana noon ko p npacancel..
watch out if wat will b d result tomo..jeje
To S,
I made a mistake signing up on Jan 6,(my birthday) and id like to cancel it immediately before my mom see my next bill (lagot). Can i jz drop by the main office to cancel it with my cancellation letter? or i need to call customer service first. Id like to settle this asap. please reply asap as well. thanks
To All,
Ano po b nkalagay s dispute letter n bibigay s bank? please email din ng samples sa laarnick@gmail.com. thanks
hay na ko, napaka lupit ng mga taong ito na mahilig manloko, akala siguro nila madaling kitain ang pera na basta basta nalang nila kukunin, biktima din ako nito, madali lng ba talaga makuha yung pera na kinuha nila ?
To Arn,
Yes, just go their office. taga manila ka ba? If so, then it is easy for u to go there.
It is better to drop their office. Drop there and bring your cancellation letter.
To SHE:
Alam mo sa Jan. 11 mag 31 days na talaga yung sa akin at hindi pa nila naibalik sa akin ang pera ko. Paano na to? nagyon na receive ko yung aking bill. E kay laki -laki parin ng interest kasi hindi ko nabayaran ng full yung card ko at included na yun ang amount ng money na kinuha nila sa akin. At magbabayad na nman ako next week, panu na yung mga interest charges? maibabalik din ba nila yun? Hay naku..nung nagpacancel ka she, nag submit ka ba ng Statement of Account? at dispute letter?
Please she, I need your reply . Thanks
Hay naku isa rin kami sa mga biktima sa PPL na ito. Galing kami sa Leyte. Noong January 5, 2010 pumunta kaming mag asawa sa Cebu para sa renewal ng husband ko sa OWWA. Pagkatapos noon pumunta kami sa SM para nga bumili nga mga pasalubong kaya lang, nang pagpasok namin sa SM merong kaagad sumalunong sa amin na dahil sa kulay ng damit ko ay napili akong maglaro sa games nila para manalo nga $10,000 dollars tapos a brand new Honda City. Tinanong nila kami kung meron kaming ATM cards, credits cards at checking accounts para maqualified daw kaming maglaro. Sabi ko wala akong credits cards ATM card lang at yong asawa ko lang meron credits cards. Kaya binigyan kaagad kami nang raffle tickets kasi qualified kami sa promo nila. Tapos dinala kami sa third floor para daw i raffle yong tickets na yon at para sa orientation kung paano laruin yong tickets na yon for only 45 minutes. Pagdating doon ipanasa na naman kami sa ibang staff nila para sa orientation ng company nila. Sabi nila 46 years na raw ang operation ng company nila at tinanong nila sa amin kung narinig na ba raw amin ang company nila. Masarap silang magsalita kaya inabot kami ng almost 4 hours doon sa orientation nila. Magaling din silang magsulat ng baligtad. Kaya agad nilang tinatanong ang Mr ko kung kelan huling gamit ng credit niya at magkano ang laman. Parang na hypnotise nga kami doon kasi agad sinabi ng Mr ko ang laman ng dalawang credits cards niya at doon sabi nila pwede na raw kaming mag open ng savings sa kanila. At yong savings na yon ay makukuha namin after 15 years. Sa tingin nila sa alanganin kaming mag open ng savings kasi malaki nga ang hiningi nila initial deposits of 67,200 pesos. Kaya pinagtulong tulungan na kami nilang. Hanggang sa nadala kami na at sabi pa ng manager nila i che check raw nila ang ang credit ng husband ko kung qualified ba yong credit card na yon kasi Saudi Bank yon master credit card ng husband. Kaya pinasa ang asawa sa manager nila doon sa teller at agad sini swipe yong credit card na yon at nakakuha sila ng 67,200 initial deposit. Sabi pa nila yong susunod na hulugan is on Feb. 15, 2010 of 6,400 a month for 5 years to pay. after paying for 5 years ay mag wait kami ng another ten years para sa maturity period. at doon makukuha na raw namin ang 700,000.00 pesos na maturity value ng pera namin. Nawala na yong raffle tickets at yong $10,000 dollar na raffle draw nila. Kaya pag uwi namin sa bahay agad nag open ako ng internet at para i search ko ang PPL na ito. Kaya laking gulat ko na maraming pala nag nabiktima sa mga panloloko nila. Kampon talaga sila ni Satanas! 67,200 pesos ang pera makukuha sana nila kaya lang sabi ko sa mister ko na tawagan kaagad yong banko ng credit card niya sa Saudi at para ma i block yong card na yon at ipa cancel yong transaction. At pinadalhan kaagad namin ng fax ang bank doon na hindi ang mister na gumamit ng pera na kasi approve na doon kaya hindi pa na release ang pera kasi hinintay pa ng 24 hours at confirmation ng msiter na pwede kunin kaagad ang pera na yon. Kaya Mabuti talaga ang DIOS at binigyan NIYA kami ng direction at guidance paano namin mahold ang pera na yon. Praise God talaga. Na i block na yong master card ng mister ko.
hello po sa lahat at ease nko ngayon ksi tanggap kna yong full refund ko. buti naman binalik nila ksi worry na tlaga ako tlagang 30 days bgo nabalik skin. ng file pla ako ng cancellation ko last dec 7 khapon lang nabalik skin ung refund. salamat tlaga sa lahat at ky arpee…
wow..buti na lang i had this feeling na this is just a scam..a certain mark perez just called me up to tell me all those s**t..i have to research pa if this is really true..fortunate enough, you have this blogs people..i dont have to waste my time going to sm megamall..makakarma din yang ganyang mga klase ng tao kaya wala yang asenso..
To Snny:
Good for you. Maitaning ko lang sa iyo, nakpagbayad ka na ba ng iyong bill sa credit card mo?
Natapos yung mga interest na kasali sa amount na nkuha, kasali din yun sa total interest na nkalagay sa bill ko. Paano na yon? Maibabalik din ba yun ng banko?
Answer naman Snny..I am so worried talaga.. masasayang yung almost 3k ko ng dahil lang sa amount na yun..huhuhu..help please.. Thanks
To Snny:
Good for you. Maitanong ko lang sa iyo, nakpagbayad ka na ba ng iyong bill sa credit card mo?
Tapos yung mga interest na kasali sa amount na nkuha nila, kasali din yun sa total interest na nkalagay sa bill natin diba? Paano na yon? Maibabalik din kaya yun ng banko?
Answer naman Snny..I am so worried talaga.. masasayang yung almost 3k ko ng dahil lang sa amount na yun..huhuhu..help please.. Thanks
i went to ppl head office yesterday @ ortigas to cancel my policy and try to make a refund..but it didn’t go as planned since my policy lapsed for 4 mos..so they did give options on how i shud handle it..
of course no refund, what i did now is downgraded it to 50%…
itutuloy ko n lng, sayang ung money eh..
i you want to cancel ur plans, make it as soon as possible..
dont let it lapse for a month and u’ll b sorry..
by the way, u should go to the main office to cancel it..
genie said yesterday that no one, as of now, did go to their office to cancel their policies..is this true?
ow sorry
ginny sta maria is her name
mail her @ gstamaria@philprudentiallife.com
@A
nka auto debit ksi ung cc ko kya nadeduct kagad ung amount pero nabalik rin lahat, hindi ko lang alam ung sa interest ksi la pa interest skin eh. Mail ka lang lagi ky Ginny Santamaria follow-up mu lang. d na nga ko ngpadla ng dispute lettr sa bank. just be professional lang sa e mail mu ky ginny mabait naman at lagi ka nya update kng anu na blita sa cancellation mu. good luck na lang syo A
@ seoj
that’s not true n wala p ngpacancel ng insurance don (HO)…
if u really want to cancel ur policy pwed p…
ask for assistance s pubassist_ic@yahoo.com.ph
s case ko kc is september ’09 p ung policy pero december n rin me ngpacancel…
try to email ginny sta. maria and cc to pubassist_ic@yahoo.com.ph..
grant n ung request ko to cancel my policy.. im just waiting para m credit back s cc ko ung pera.. accdg to ginny mga 30 days daw..
Too bad these people need to use dirty marketing strategy to lure people. Nakakatakot ang kanilang strategy coz it looks like a fly by night company. Last Saturday, i was cornered by these people and brought me in their office. The agent said that it would only take 45 minutes pero inabot ako ng tatlong oras! Nung una free gift lang, tapos naging free raffle tapos hayun bentahan na. Sinabi ko nga sa kanila, ang laki ng company nyo at according to them 47 years na sila pero bakit that strategy ang ginagamit nila. Why not advertise on newspapers or tv or make a brochure to promote the products. Mukhang merong milagro ang company na to na dapat makita at masilip ng mga tao sa gobyerno or sa media.
Hindi ako kumuha ng offer nila, sinabi ko interesado ako kaso di pa ngayon. Style ko lang para matigil na ang pangungulit pero hayun pati yung P2 per day inalok sa kin na P760 one time pay meron pala sila.
Di ako kumuha at sinabi ko you wasted my time. Nainis ako puro kasinungalingan. Kaya this time guys let’s disseminate this information to our friends, family, sa facebook ipost nyo para malaman ng ibang tao.
By the way, i wrote the same issue on my blog. I link this with your permission. Thanks.
Hi everyOne!!
Nakalulungkot dahil madami parin pala talaga ang nabibiktima ng grupo nila at pati sa province like Cebu at Ilolo ay umabot narin sila.Nakwento kuna before sa thread na to ang nangyari samin ng bf ko nung time na encounter namin ung ganyang problem.
Para sa updates lang nabalik na sa credit card ng bf ko ung 24k na kimuha sa knya ng PPLIC(Sm North)umabot din ng less than 1 month bago nabalik sa knya included na rin ung interest ng bank.Thank’s God.
Para sa mga bagong biktima nila please follow na lang the ff. steps:
1.Prepare letter of cancellation gamitin nyo ung format ng letter na ginawa ni Mr. Rash Rasid.
2. Make a copy ng lahat ng documents na binigay sa inyo ng PPLIC dahil pagdala nyo ng letter of cancelation sa branch ipapareceive nyo sa knila ung original copies ng policy nyo at lahat ng documents na pinirmahan nyo sa knila. Basta be sure na lahat ng documents may copy kau.
3. Pag naihanda nyo na lhat punta na kau sa branch kong saan PPLIC kayo pumirma.Ibigay nyo ung letter of cancelation at ipareceive lahat ng copy ng documents sa knila kasama ung resibo ng transactions.
4. Maghintay kayo na maayos nila ung cancelation ng policy nyo at kunin sa knila ung copy ng SOA ng may status na Cancelled na.
5. Mag download ng dispute letter from your credit card at ifax agad sa knila . Ifax na rin ung SOA from PPLIC na may status na cancel na.
6. Regular na ifollow sa customer service ng credit card nyo ung tungkol sa dispute letter na sinend nyo sa knila.
I hope na makatulong ako…base sa experience namin yan lang ung mga procedure na ginawa namin.
To Jen,
good for you. ako sobra na 1 month tapos magbabayd na namn ako ng pangalawang interest. Pag naibalik yun sa akin ibalik rin pala nila yung interest na nailagay nila doon from the amount na nkuha nila? Kasi sobra 2k rin yung interest doon eh..kaya nkapanghinayang nman jen if pati yun hindi na maibalik.. so 24k naibalik at yung interest na less than 1k dba naibalik na rin sa bf mo? Wow! naghihintay pa kasi ako hindi kasi ako nag bigay ng SOA at DISPUTE ka agad sa kanila kasi yun ang sabi nila..
Anyway, cge..I’ll wait ur reply Jen..Thanks in advance ha? God bless u!
Hi K!
I’ve checked ung last billing ng cc ng bf ko bale ang transactions pala is 11/03/09 na charge ng PPLIC yung 24k tpos 11/11/09 nman naibalik na ung 24k sa knya kaya wala palang interest un.Sorry ha hindi ko lang sguro napansin un kc sobrang saya that time dahil naibalik na sa knya..ung nakita ko palang negative na amount is ung rebates pala ..hehehe sorry ha..i pray na maibalik na rin narin sa inyo..basta payo ko sayo gawin mo lang ung procedure na ginawa namin.importante ung dispute letter and SOA na maipadala mo sa cc company mo.
http://www.youtube.com/watch?v=_CE1qsAxBTM
shit…sir victim ako ng scam…16120 yung nakuha saatm ko…possible po ba na ma-refund ko yun? yung atm ko kasi is from BPI at wla xe sa list ng accredited Banks nila ang BPI?HELP pls…. and what arethe steps n kelangan ko gwin pra mkacancel and marefung ko yung kinuhanila sa atm ko….p send nmn po samail ko… slvrsrfr14@yahoo.com…
hi can i ask for help on how to cancel my insurance sa prudential ASAP!
i have sent a leter of cancellation today sana magreply
takutin nyo, pa medya no,….tyak ibabalik yong pira nyo,…na experience ko ra rin yan sa company na yan,…ewan ko bah bakit ang galing nila mag salestalk no,..parang may hiplotismo ang ginagawa nila,…tapos mong uminom ng tubig o icetea nila parang mawala ka na sa sarili at dika na makatangi,…pero talaga ipa medya nyo…sinubokan ko na nya at nakuka ko pira ko lahat, lalo na sa bago palang na recrute, basta pangit yong policy nila, mas mabuti pang e save mo money mo sa bank kahit konti lang yong tubo at least makuha mo pero sa kanila after a year pa kong e widraw mo, at take note kaltasan nila and pira nyo yong money nyo na inial diposite makuhaan ang almost 2000 lalo na pag dimo hinulogan, e explain lang nila yon kong member kana, pag dka pa member di nila sasabihin yon kasi ayaw nila na hindi ka papayag pag alam mo yon,…
grabe talaga ang experience ko dyan, alam nya naisip ko nalang bahala na yong na deposit ko na 6,650 na mawala basta maka ganti lang ako at makatulong sa inyo,…para wla na ma biktima nila, pero thanks God pumayag sila dahil narin sa blog na to ,naglakas loob ako pumunta ako lang mag-isa tinakot ko, inaaway ko talaga yong agent na nakaharap ko, pero alam nyo, nong una nirecrute pa nila ako ako, ang dami agent nag convince sakin para kumuha ako, pati yong manager lumapit kinuha yong ATM ko, supervisor, at chinichikachika kapa ng ibang agent kong baga friend na kayo ang ganda ng treatment nila sayo pag binintahan ka, lahat ng ma e offer nila sayo drinks bibigyan ka, pero kong mag widraw ka isa lang lalapit sayo pati yong sales agents hindi na lalapit sayo pati natin yong manager basta, isa o dalawa lang pagtulongan kang ma convince uli, yong firt kong mag widraw umiiyak ako, lahat ng reasoons binigay ko, natakot talaga ako,at umuwi ako luhaan , wlang nagyari, ang sakit ng damdamin ko sumikip dibdib ko, imagine pinaghirapan mo pira tapos ganoon malaman ko na kaltasan nila pira mo pag nag widraw ka, kong dka naman mag widraw at dmo mahulogan ang monthly kaltasan rin nla after 1 year pa,…dba di nila explain yon , yong ibininta pa nila yong insurance? malaman mo lang yong kong mag widraw ka,…on the 3rd time tapos ko mabasa mga blog dito naglakas luob ako,at yon tinanakot ko ng tudo inaway no, at wla na akong naramdamang takot, basta naisip ko nalang bahala na mawala pira ko basta mapa medya ko sila,…takot lang nila, dahil kong d sila pumayag talaga,matagal na alam ng buong mundo na namilit sila kahit ayaw ng tao,….
Nagavail din me ng Policy last Dec. 22, bibili lng sana me ng gift ng maligaw ako sa 5fth floor ng Sm megamall. Me lumapit saking agent kesyo maglalaro daw ako pra mukha yung car at me pot pa na $10.000 for the raffle if manalo ka. Di ko nman lubos akalain na insurance pala ibebenta sau. Inabot pako ng halos 3 hours sa kanila, ayaw nila akong palabasin at kung sino2 pa kakausap sayo para pumayag ka. Napressure talaga ako at ang sama ng pakiramdam ko. Na-late pako sa Xmas party at nagalit pa boss ko saken. Nag file ako ng cancellation this Jan 11 lang, pero di nila tinanggap at sinabi lagpas na daw sa policy viewing na 15 days.. Di ko alam gagawin ko para makuha pa yun, pandagdag ko pa nman yun pambayad ng lupa. Tulong naman guys.
Hi Ann!
This is me. Huwag ka doon sa knila lumapit..e send u cancelleation letter mo sa main office. O di kaya pumunta ka doon mas mabait cla doon at Hanapin mo c Ms. Ginny at
explain u lahat at gusto u ng icancel. O di kaya mag e-mail ka dito sa pubassist_ic@yahoo.com.ph..tiyak tutulungan u nila..Sila ang may hawak sa lahat ng Insurance..Sabihin mo na napilitan ka lang kasi ayaw ka nilang palabasin. Magkano ba ang binawas nila sa iyo? ako nga more than 30 days..napacancel ko sa iyo pa kaya? Basta follow this.. send u cancellation thru fax.. tingnan u ung policy mo may address cla doon sa manila main office.. Hope mkatulong ito sa iyo.. Good bless!
hello guyz thankz sa tips niyo nabalik na yung na charge saken ng ppl..ask ko lang po kung wala ng babayarang charges after siyang bumalik sa c.c. ko?kasi nag check ako sa c.c. bank ko at yung bill ko medyo malaki hindi yung ini expect kong bill..
nagsend na ako kay miss ginie at ngreply na siya next week daw update nya. pero naka one year na ako eh. gusto ko na icancel!! sayang pera ko, pinapacancel n ng magulang ko. sana mabalik lahat ng money ko one year at ung unang binayad ko 16k un haaay!!
I was with my officemates last friday nang pumunta ako ng SM annex to pay my smart plan.While I’m walking somebody called me to offer a free bag, a cup and a pillow. So I stop by and then yung bading na yun nagchika chika na meron clang free honda na pinamimigay if manalo s raffle..tapos sbi nya it’s just for 45 minutes yung chika pero nung dinala nya ako s baba yung 45 minutes na yun almost magsara na ang SM. I don’t know really why I easily gave my credit card s kanila at pumirma ng contract..Binawas nila yung 14529 s cc ko at tinanong p ako kung meron akong atm.sabi ko atm lang yun ng comapny.Mabait ang mukha ng agent and he even shared his sad experience sa family nya..I really believed him Kc ang nasa isip ko it’s for my future rin na makasave since I’m still young and single..Nung umuwi na ako nd talaga ako makatulog s kaiisip sa ganuong insurance plan so the next morning nung pumunta ako ng office cnabi ko s ka officemate ko at tinuturing ko na rin na kapatid..nagulat sya s ganun pati ang manager namin at cnabi nya na puntahan namin para ipacancell ang contract and then binalikan namin.Nang dumating ako kinausap ako ni ALGEIR (agent ng PPLIC) na ok namn daw kmi last friday night na nag-usap bakit daw nag-iba yung desisyon ko. Sabi ko naman lahat ng tao may karapatang mag-iba ng isip. Pumasok ang officemate ko at kinausap cla na icancell na namin ang transaction pero nagmamatigas pa cla at cnabi na kung abogado ko ba ang officemate ko but then my friend is just really concerned with me during that time at ako kinakabahan na rin s mga pangyayari.To make the story short para makalabas ako s offie nila I agree to give them a benefit of the doubt kung ok nga comapny nila.Nagreport p kmi s Ofc ng mga security guard duon para ipaconfirm s knila na nd cla scammer at kung mapatunayan namin ibabalik nila ang pera ko..Cnabi pa nung manager (scar face) na kung illegal cla sya na mismo ang babalik ng pera ko galing s bulsa nya..But now that I have read all this comments..Kinabahan na ako..friday nila tinransact yung swiping ng gabi..immediate ba madededuct yun sa CC ko.?tinawagan ko na rin HSBC for this at nag-email baka sana nd pa naprocess ang documents for the debit s card…Pls. help..wala silang konsensya at takot sa Dyos kung ganito nga sila..
huhuhu.. naloko na..
i want my money back too.
i signed under their plan yesterday
help me
sino ba pwede kong tawagan for help..
where can i download the dispute thing….?
my email add is eugenieaisha1985@yahoo.com
@tin_tin
Maibabalik din ba nila yung interest na bibayaran ko sa cc company ko? please help.
Anyone na naibalik na sa knila yung pera nila. Pwede mag ask?Dba first bill na kasama na yung amount na nkuha nila ay magbabayad tayo noon. So, kasama na doon yung interest ng amount. Maibabalik rin ba yun in case na ma refund na sa iyo ang pera? kasi sa akin panagalawang bayad ko na ng interest kasi hindi ko nabayaran yung sa akin noon. Kaya patong2 na yun.. please help me nman oh~~`tnx
to jingjing
mahirap kausapin yung sa sm north..nagalit na yung kasama ko nung saturday dahil ayaw icancell yung contract tapos cnabihan pa ako na pwede daw kasuhan dahil pumirma ako..yung parang me scar nagsabi.i’ll go to their main office tommorow dahil mas mabait daw doon..ang pangit ng strategy nila..if you want sabay tayo punta doon…here is my number (09287955087).aabsent ako bukas to settle this..
Hello! I am also a victim of their “marketing strategy”. Anyway, I went to their SM Cebu Branch earlier to personally submit the documents and letter of cancellation and also to get the statement of account with status of “Cancelled from Inception”. A sales representative tried to change my mind about it but I directly said that I am already decided and it is my right as a consumer to cancel the policy if I want to. Surprisingly they approved my cancellation after that. It was not a long wait. Overall, it took me about an hour or so for everything to be settled. They gave me a statement of account with the status of Cancelled from Inception (CFI) and said about the 30-45 working days processing of refund. I was really wondering why they agreed with my request without so much fuss. Is that normal? Anyway, before that I emailed a cancellation letter and they gave me a confirmation that the letter was received and that it is already approved and that they are requesting me to submit the documents they gave me so that they can process the refund. What else do I need to do?
@ JEN
So, only 8 days lang yung pag wait nyo ng refund? ang dali lang pala. Bakit yung sa iba umabot talaga ng 1 month or less than a month?
Good for your bf..
to geigs
ngayon ko lang nabasa ung message mo.. maaga kasi pumunta sa sm north wing cebu. inaasekaso ko ung pag cancell my policy. and yeah.. it was cancelled already. i am worried kung kylan ibabalik ung money..huhuhu..
Hello, I was also victimized by these scammers!!! I’m so embarassed that I let them fool me so I didn’t tell anyone about it. They managed to charge P57,100 from my credit. The agent said that she was just going to check if my credit card is valid. But foolishly I punched in my PIN number and now the credit card company said they can’t do anything about it. They suggested that I deal with the company and try to get refunded by sending a cancellation letter and advising them not to charge my credit card anymore. I can then use the letter of cancellation as back up documentation to dispute any future charges. My mistake is that I agreed for them to mail my copy of the policy. It’s been 21 days and I have not received my policy so I don’t even have a policy number to include in my letter. I sent a cancellation letter anyway with explanation as to why I can’t provide a policy number just yet. They already have my money and I don’t think I’ll ever get it back. I tried sending another cancellation letter but the company took off the contact information from its website. BE WARNED: IF A FAST TALKING GUY ASKED YOU IF YOU HAVE A CREDIT CARD WHILE AT THE MALL. SAY NO!!! I HATE THOSE MANIPULATIVE BASTARDS!
@jingjing
hi! i am also from cebu. What did they advise you for the number of processing days for a refund? 30-45 working days? What do we need to do after getting the statement of account? Do we need to mail our banks regarding the cancellation? im just worried because i was not able to do anything after getting sa SOA.
Ha Ha Ha!!! Thanks a lot to this site. Katatangap ko lang ng tawag mula daw kay Jackie Pascual. Pinapapunta ako sa Megamall. Same m.o. ng mga naka-post dito. Buti na lang nag-search ako sa internet. Di na ko pupunta. Maghintay na lang sila ng ibang maloloko. Salamat sa admin ng blog na to.
to T
mababalik yung na swipe sayo basta follow up mo parati status sa c.c. plus tawag ka sa main nila sa makati and look for sir paulines for assistance. but the first thing you will do is get make a cancellation letter signed by the manager kung san kang branch na niloko tapos hingi ka at the same time ng SOA (statement of account) wag kang aalis dun hangat di mo nakukuha yun.after nun na nasabi mo ng i cancel.that is the time na verify mo sa PPL makati kung canceled na siya tapos wait ka ng 30-45 days para ibalik yun in full amount sa c.c. mo
GOD BLESS basta always follow it up para makulitan at para nila agad ibalik
nakasama din ako nyan sa SM CEBU..bading din ang lumapit sa akin..tapos isinama ako sa office nila sa 2nd floor..ang galing nilang magsalita mapapaniwala ka talaga..akalain mong mananalo ka ng kotse tapos $10000 sa raffle..lol..pag pasok ko don agad akong pina register sa computer para confirmation for 45 mins orientation daw..namimigay pa ng isang basong ice tea…at dun na nagsimula palagi nilang tinatanong kung may credit card ka ba or atm savings account…pag pasok sa main office may ipipnapakita silang mga prove na d daw sila scammer like mga news paper..mga certifications at mga taong nanalo na daw sa kanila…tapos nyan interview na sa personal kong buhay..akalain mo kukuha ng pera sayu initila savings ng atleast 60000 up ata yun minimum yan..d ka nila titigilan pag d ka pumayag…valid ba yang ID at Credit cards mo lang ang hahanapin nila..or ATM cards para daw bank to bank daw ang process at may papers pa para aproval mo raw…ano ako gago para pumayag…akalain mong 45 mins naging 4hrs..d talaga ako tinigilan hanggat d ako maka avail..tapos kung ayaw mo talga nag oofer pa sila ng mas mababa..hanggat pumunta na sa 500 para daw registration kung gusto ko raw bumalik good for 1 yr…silbe reservation daw yun sa slot ko…ayus ahhh galing mang uto…sa time ko nun parang babae lahat ang na uto nila…pinupugay pa nila pag member na…ang bilis ng iba wla pagn 45 mins pumayag na smantalang ako naging 4hrs…nagtatanong talaga ako ehhh kinacounter ko mga sinasabi nila…d naman sila makasagot….lol…kaya beter luck next time PPLIC d niyo ako naluko…at salamat sa bag na binigay niyo…dapat dakpin ang mga taong ito…mga SCAMMERSSSSSSSSS!!!!!!!!!!!
At TIN_TIN
Paano yung interest? kasi ang laki ng interest sa akin e..for the 2nd time aabot na ng almost 3K. Beside na ibalik nila yung full amount, how about yung interest na nasali sa computation ng bank? Maibabalik din ba yun? How about ang sa iyo?
Just to add information:
I withdrew mine because if you see their table of values for the 15 years, your money will only grow less than 3% albeit informing you that their endowment fund will earn rates of 10-20%. TIP: Ask for the table of values on how much you’re money is supposed to be worth in the future. Ibang klase yung kanila eh, less yung future value sa total value ng payments mo. In effect, negative interest.
I tried to call PPLIC main office. Nakausap ko si Carla, hindi na daw pwedeng ma-refund yung ibabayad ko. Tama ba yun? Naloko ako nung Nov. 13 pa. Ngayon ko lang naayos kasi tuliro talaga ako. Nakagawa na ako ng cancellation letter, naisipan ko lang tumawag at yun nga ang sabi sakin nung nakausap ko na hindi na raw pwedeng marefund yung ibabayad ko. Two billing statements na ang dumating sakin, hindi ko pa binabayaran. Ayun awa ng Diyos may interest na! Hahaha! Natatawa na lang ako sa katangahan ko. Anyway, baka ma-advise-an nyo ako kung ano ang pinakawais na gawin. Tumawag ba sa Insurance Commission? Dapat bang indicate ko sa letter ko na gusto kong marefund yung ibinayad ko, etc.
Thanks.
mcometa
You can, if you withdrew within their 15-day grace period from the EFFECTIVE POLICY DATE, which would probably be Nov. 13. After this, your payment is considered paid and non-refundable.
Therefore, hindi na ako makaka-refund. Ipapacancel ko na lang din. Hindi naman kalakihan yung policy na inapplayan ko. Burden lang kasi yung babayaran ko per month for 15years, na pwede ko naman ipunin na lang. Late ko na din kasi nadiscover itong blog na ito. Geez… 9T din yun… >.<
I went to their main office last monday Jan18,2010. with me is the cancellation letter and the original copy of the docs which they provided me be4. I talked to CARLA Norada and she received the cancellation letter at sabi nya i’ll go back within a week to get my SOA cancelled from inception. Then afternoon I called to their main office looking for ms ginny sta maria ang sabi nya kinancel na nila yung account ko tapos tianong kung pwede ko makuha yung copy ng SOA cancelled so sabi nya oo.then I go back on tuesday around 8am nandon na ako s office nila and took the soa na cancelled but then I am wondering why there is no signature from any of their officer as a proof that they have accepted and cancelled my transaction s PPLIC.sabi s akin nung carla irerefund yung money ko s cc ko 30-45 days daw so sbi ko baka macharge ako nyan dapat now nyo na i-refund yan..pagdating ko ng office because of my heavy load I’m about to fax the docs to HSBC around 5pm. This afternoon I called the bank and check my credit card and I was told by the CS na natransact na ng PPLIC ang money yesterday around 3pm..WTF!!!I can’t really imagine nagfile na ako ng cancellation letter s knila on monday, then nakausap ko na c ms ginny stating that they will cancell my transaction on that day also, nakuha ko na the next day yung SOA na merong cancell nung morning pero tinrabaho pa rin nila on the afternoon..THE HELL WITH THEM!! Sana makatulog kau ng maayos…have you seen their office at North EDSA..It’s just like hell..ssame as those freaky faces..tama nga yung sa bible.wag padadala s maamong mukha because what is behind of it is a demon.
to jingjing
I’m surprised you’re from cebu. I thought u were here in manila..Pray lang tau jing na mairefund yung kinaltas s atin..kung minsan maging mataray rin tau para nd cla makapanggoyo s atin..hirap kc pag mabait ka madali lang maloko..
just want to share my experience last Sunday. I was in fairview to buy some grocery then may lumapit sakin na bading and asked if may credit card na raw ako and i said yes. I filled up the flier kasi i have the chance to win a car and 10k us dollar in return i need to attend for some kind of presentation. well, they showing this gift with the logo of their company and i notice it was an insurance company (in the back of my mind, posible mag alok sila ng product nila diba, alangan naman mag alok sila ng baboy,manok or whatever). so I was invited since sabi NO OBLIGATION TO BUY ANYTHING naman daw eh. indi ko talaga kinalimutan un. so punta kami office then called my name for the 45 minutes standard presentation as per the receptionest. in short, i finished the presentation. over 45 mins since i decided to stay naman kasi very warm naman ung approach nila sakin,(its my decision to stay over 45 mins, kasi if indi if i dont like the person or the conversation, walk out gallore ako noh) .honestly speaking for me, maganda naman ung plan l but i decided not to avail i really have to consult pa my husband. so the persistency of the sales agent was there, really, but i stick on my decision not to avail first kasi of my reason nga. in the end, i was able to play and got my gift na wall clock, in fairness may quality rin naman ung clock..heheheh..im using it right now sa bahay namin..
YOU CAN CANCEL PA RIN UR POLICIES..ANYTIME..RIGHT NU YAN. MA REREFUND PERA NU(BUT IM NOT SURE IF “FULL”. LALO N SA MGA BAGONG NALOKO D2. p-cancel nu n agad. SEPTEMBER ME NAGING POLICY HOLDER, BUT DECEMBER KO LANG NAPACANCEL. LATE KO N KC NAOPEN TONG SITE. DEC 15 ME NAG EMAIL NG CANCELLATION LETTER S PPLIC gstamaria@philprudentiallife.com(GINNY STA. MARIA) DAPAT cc to pubassist_ic@yahoo.com. kinabukasan tinawagan agad ako ng pplic.(ginny sta maria) So December 17 grant n cancellation ko. Within 30 days daw refund. ng follow-up me kanina and within this week maibabalik n rin s bank ko.
So guys, GOODLUCK… ayusin nu n rin mga policies nu habang maaga.
this is just my opinion ha, base sa mga nabasa ko na reason nila dito sa blog nato.base on my experience, i don’t understand why some people said na pinilit sila mag-avail nag plan?for me kasi, if you dont want to avail or buy something kahit anung pilit nila diba indi ka naman bibili diba?.parang ganito lang yan.diba may mga food tau na kahit anung pilit satin indi natin xa kakainin? or MAYBE sa PERSONALITY na rin ng tao un..so dapat siguro people should MORE ATTENTIVE sa paligid nila. . and take note pala ha..i drink their iced tea twice, 2 glasses .. kasi nung ininvite nila ako uhaw na uhaw na talaga ako nun..hehehe..i forgot to mention sa comment ko kaninal..so guys,, this is my opinion. … if you will ask me if i’m going to avail or not..kung pag uusapan natin eh ung kagandahan and benfit ng product nila.. i would say yes…pero indi pa kami usap ni husband eh..have a nice day to all
just hope na sana lahat ng nakaexperience ng ganito katulad ng nangyari kay ness..may tanung po ako..correct me if i’m wrong diba magkaiba ang philippine prudential life sa prudential life plans? kasi ang alam ko ang narevoke ang license e yung sa prudential life plan,, siguro ung iba kaya natatakot kasi kala nila iisa lang may ari nung companya..hehehe
to giegs,
update mo kami kung anu nangyari sa request mo sa kanila ha. just wait siguro sa sinabi sau ng 30 to 45 workings day before siya mabalik sa credit card mo. Dapat alam mo na nacharge na talaga sau un kasi ilang araw na lumipas mula nung nag avail ka nang plan tama ba? kaya ka sinabihan na 30 to 45 working days..hay bad day ka lang siguro kaya indo mo nagets ung ibig nilang sabihin sau? well anyways. hope everything will be fine to you. god bless
About ness’ comment on their products, my opinion is, it’s not as worthy as other similar companies would offer. Actually the requirement of Insurance Commission is, for products/plans in their tier, return should be at least 4%. But if you study their table of values for the 15 years, it’s just less than 3. For the scheme they have, I think money is better off in time deposits from banks. They guarantee 5-6% per annum.
hi blix..can you give us the computation para makita namin? and then what comapany would you recommend? it looks na marami ka alam sa insurance, share naman your knowledge..dun sa sinabi mo na requirements of insurance commission..uhm. would you think they will allow the company na magoffer ng products nila if alam nila na indi eto pasado sa standard of requirements nila?
as i remember during pplic’s sales talk, they kept emphasizing that what they were offering was an ‘investment’ plan and not insurance.
i really wont say i have a deep knowledge about insurance plans. but you really have to be sure what they are offering you. imo, the best plans are those that offer both a good investment, and at the same time life insurance. for the investment part, you’d here about “equity fund”, “bond fund” or a mixture of both. this is where your money will go to and supposedly, grow. a good plan will often give you various tables, depending on the possible rate it can grow, such as 4% to 10%. your investment comes in the form of premiums, which you pay monthly, quarterly or annually. and then for the insurance part, it offers death benefits for you beneficiaries by the sum insured in the policy. some also offer hospital benefits if you get confined.
another thing to note is maturity. most insurances give the maturity amount when you reach a certain age, say 65. but recently i found a plan which does not have a maturity, and you can move your investment from fund to fund, depending on your take with which money markets.
sorry i know ive said a lot but bottomline is, your money is precious. please be careful where it goes to, so make sure of the plans and products you are investing your money in. study and analyze, even though it can take you a long while. good luck!
@curious
Ms ginny told me that I’ll be refunded b4 30 days but then she inserted also from her statement na baka nd abutin ng 15 days…I’ll be checking my account everyday at the bank to ensure if she’s telling the truth. I hope I can hold her words about our last talks just this morning. I’m so restless this past days after I’ve signed in that policy..I have faxed already the certification of my refund which is signed by her (ginny) to my bank and I hope everything will gonna flow well..
To miss ginny:
I don’t want to add the 15-day free look period in this post.I hope that 15-day policy will have a common description..not just by look..Thank you for the kind assist..May God Bless Us all.
Thanks God for looking after me while I was asleep last night and you let my eyes open again to see this morning.!!
I don’t know why but every time I open may notebook, check my e-mails, open my ym, see some friends online I bound to visits some sites that revolves into insurances. Maybe it is a reality and should not be taken aside. Recently, I found out that a lot of people right now are availing insurances for gadgets like cellphone, laptops, and other appliances which make me wonder (perhaps some people also) why these people would avail as such, for Material things. What more if we’re talking about our lives?
To Blix, I think we had different experience when PPLIC’s sales agent presented me the PLAN/SAVINGS/INVESTMENT/INSURANCE, or whatever other client like us or the agents called it. As I can remember also, I believe I heard from her mouth, she mentioned to me (correct me if I’m wrong) ENDOWMENT PLAN (really she mentioned “plan”–<in my mind its already an insurance) that it could be called other form of savings. She said that endowment plan is combination of saving and protection( and what could be more other term form of protection? yeah, insurance).
The point is, all of us who were invited in the presentation had different experience, some other may say they had a very bad experience, some say good enough. Meaning to say not all agents are like those they were saying that are rude. I wish every one will do fine, and hope the company will do something to lessen the incidents.
No, they weren’t rude. In fact I would admit the decision was all at my side. It’s just that later on I realized it wasn’t so much of a good investment, and that’s why I withdrew. Not because I felt I was scammed, but I felt stupid not being careful and skeptical about it.
hi po to everyone, my mom and my auntie are also plan holders of phil. prudential life. ako po kasi ang nagbabayad ng plan nila kasi pareho po silang na middle east. Nag avail sila last december 2008, so over a year na po sila plan holder.SO ako po yung nababayad ng plan nila,over the counter po bayad ko kasi ayaw nila through credit card and payment nila saka para daw nakikita ko rin ung office nila and makakuha rin ako ng resibo agad ng statement of account..So nagbrowse po ako sa site nila and nakita ko nga po etong trend nato.
so i told this site to my mom and auntie.my mom can’t decide pa what she will do, but my aunt is willing to continue the plan, kase iba rin daw ung naging experience nya. indi naman daw katulad nang mga nangyari sa ibang nagcomment dito. tanung ko nga kanya indi ba siya kinakabahan, kinakabahan daw,kaya lang lahat naman daw ng investments and savings may risk part. sabi pa nya, constant naman ang notification ng company sa kanya, wala pa naman daw xa nkikitang problema talaga. Pinapadalhan naman daw xa ng notice every quarterly, which is true namn kasi yung sa mom ko dito namin naririceive sa bahay. sabi pa nya, mostly naman sa comment not about
prob ng company or stability or financial capacity, sa mga nabasa daw nya mostly kung papano lang daw sila nahikayat or yung marketing strategy pero kung company problem daw wala pa naman daw xa nabasa.(napansin ko rin later nung sinabi ni auntie na mostly ganun nga comment dito).
I made research din sa company. Legitimate naman nya and was given pa ng certificate of authority, indi ko lang sure kung para san yun.sa Insurance Commission na website ko nakuha yung info. Update ko rin po kayo dito kung ano magiging decision ng mother regarding this, kasi pinag-iisipan
pa nya mabuti eh. Hope for the best po
salamat sa blog na ito!!! sobrang laking tulong para sa mga “nabiktima” gaya ko. maaaring scam nga ito o posible rin na legal. kung anu man ang tunay na pakay ng kumpanyang ito… HINDI TALAGA SULIT MAG INVEST SA PHILIPPINE PRUDENTIAL LIFE! kahapon ako na “biktima”. ibang klase sila mambenta, parang naramdaman ko na talagang hinaharass na ako, d lang ako makapalag sa patuloy nilang pag kumbinse at kung kani-kanino ako pinakausap para tuluyan ako madistract. yun naman ang naging mali ko kahit alam medyo hindi na tama itong pinasok ko… at dahil d ako mapakali sa mga pangyayari. inaral ko agad ng husto ang policy na kinuha ko sa kanila kasi di naman tayo nabigyan ng sapat na oras para pag isipan ng mabuti ang kanilang ini-offer. at yun nga ang aking napag tanto na hindi nga talaga SULIT ang investment sa kanila. nakakatakot pa, ang pinaghihirapan natin pagipunan para sa buwan buwan na “pambayad” sa ating “investment” ay baka mag laho na lng ng parang bula. kaya para sa lahat ng hindi pa gumagawa ng sulat, mag reklamo na kayo bago mahuli ang lahat. mabilis naman sila umaksyon basta idaan lang sa tamang pakikiusap. shempre d rin naman natin maiiwasan maging mataray, pero hinay hinay lang. paglaban lang natin karapatan nating lahat!!!
sana madala natin itong issue sa media ng matigil na ito… di kasi talaga nakakatuwa..
To jingjing
For now I will wait for my refund. Nangako namn c ms ginny na irerefund nila yung na debit s card ko. I’m sure my isang salita namn sya. Pero sana early than 15days. Sa ngayon medyo ok na pakiramdam ko pero nung nakaraang mga araw nd talaga ako mapakali. Yung sau Jing sabi naicancel na pero follow-up m na rin para me assurance ka..
well, kanina nung hinatid ko nung gf ko, may ganyang taong humarang sakin na mananalo daw ako ng kotche! tapos hinahanapan ako ng CC, then nagtanong ako baket? verification and qualification daw.. after nun, nagpakita ko, ID din pinakita ko sinabi ko ito ho, la salle ID.. ayun ok naman pero nung nakausap ko na yung mga nasa loob, but the thing is, nung ineexplain sakin nung girl everything about PPL, sabi ko hindi ba sya parang SCAM? kasi sinasabi mo sakin na, magbibigay ako sayo ng pera throught CC tapos para maging savings ko? nagtanong ako, bakit ko need pa ibigay sa inyu kung pwede naman ako nalang? mas ok daw sa kanila, then sabi ko TANGA NMAN NETO, BAKIT MAGIGING OK SA KANILA?.. tapos ayun, umayaw na ko tapos PILIT PA RIN NG PILIT.. THEN IM STARTING PISS OFF! KAYA NAGWALK OUT throughout sa office nila.. kaso nagfill ko ng forms, sana wag nila ko kulitin.. pero mas ok kung magusap usap tayo about that matter, para dumami tayo upang magreklamo para wala ng magoyo pa.. naawa ako para sa mga biktima dahil hindi ganun kadali kumita ng pera.. ABOUT SA CC, YOU CAN JUST CANCEL YOUR ACCOUNTS NALANG.. KASI KUNG WALA NAMAN KAYONG PAMBAYAD DUN SA CHARGE NILA SA INYU, MAGAGAWAN NILA NG PARAAN YAN ALTHOUGH BABAYARAN NYO SA BANKS YUNG INTEREST NALANG.. SANA NAKATULONG AKO SA INYU. =)
to the owner of this blog, i am sorry to say this but you’re giving confusion to other people, to the plan holder of ppl, most importantly to the plan holders who are working abroad. Im myself got confused about what you have written pertaining the company. Why, tingnan nyo naman po ang title ng blog na to PHILIPPINE PRUDENTIAL LIFE SCAMMERS, who ever read this na plan holder na ng ppl and working abroad will be worried, my God, the first time I read the title, umakyat lahat ng dugo sa ulo ko, nagpalpiatate pa ako, i’ve been a plan holder of ppl since 2007 and malaki na rin ang nahulog ko sa policy ko. I was surfing for ppl’s new update then i accedentally found this blog.
I would like to request to the owner of this blog to stop using word “SCAMMERS” as it gives confusion to people, mabuti kayo nanjan lang kayo sa philippines so you could do whatever you want sa plan nyo. I am sorry to the people who thinks they were scammed or felt fooled when they availed the plan, i’m not stoping you kung anu man ang gusto nyo mangyari sa na avail nyong plan, just use word na appropriate na itawag sa nangyari sa inyo. if you felt that you were scammed, and icomment nyo you felt scammed or fooled, dont use scammer word as if talagang scam yung company. You not being considerate to the feeling of those who are already plan holders, I even called my family in the philippines to verify everything about the company, i called their hotline, i was carried away and yelled to the customer service i spoke with. My family was able to spoke with customer relation officer the company and explained everything.
I dont know kung anu man po ang reason ng ibang client who were able to get a policy kung bakit nagpapacancel sila ng plan nila if you think mali ang way nila manghikayat ng tao then yun lang ang ilagay nyo na comment na bad sa kanila. Wag po kayong manggaya ng ibang comment sa taas.
To the owner of this blog, i am sorry again, in your blog you have not mentioned that you availed the plan or what, how can you say na SCAM eto? may nakuha ba sila sa yo? kaw na rin ang nagsabi, maketing strategy nila yun to GAIN clients. Masasabi mong man mali ang paraan nila, wala ka atang karapatang magsabi na scam ang isang negosyo na wala kang basehan, all your proof is all about their marketing strategy. It may be insulting to others, others maybe felt bad, it maybe aggressive as others, you may not be happy the way they serve their customers, but i dont think you dont have the right para sabihan sila na scam sila, worst part, your confusing us, plan holders. hope you may put this in your mind, your tyring to bring the company down but while you doing that your tyring to bring us down also. I hope your happy also, hindi lang naman isa ang mga plan holder ng kumpanya na yan, madami na rin.
Sa mga new plan holders, whatever decision man ang gawin I hope sana hindi madamay ang mga plan holders na. Do as you think is good para sa inyo, kung anu man ang sinabi ng sales agent nyo, the decisions are all yours.
one more thing. if the company is scam, why there are people who were able to get their money back? sorry for typo errors.
bakit la ng sumasagot sa hotline nila. ni samga numbers na binibigay nila..
huhuhu
Naiintidihan naman namin Ms. corazon ang nararamdaman ninyo. Pero malaking pasasalamat namin kay arpee dahil sa blog na ito at kaagad namin nagawan ng paraan ang cancellation namin sa plan.Malaking tulong talaga itong blogged nya. God bless us all na lang.
to corazon: i called it a scam because their representative did not fully disclose that she was selling insurance. she made me think i won something. the word “scam” is defined as a deceptive or fraudulent operation. in my opinion, when someone gets you all hyped up over winning a car and cash then tells you that you need to bring your checkbook or credit card because it’s the only acceptable ID, that looks very much like a scam to me. if this post worries you because you got a plan from them, that’s your decision. if you think the insurance is worth the money, then don’t be influenced by other people. stand by your decision. however, the rest of us need not be obliged to bend our opinions because the post “worries” you. live and let live.
grabe pala yang PPL/DANVIL or whatsover na yan..alam ko na yung pinaggagawa nila dati dahil naimbita na yung mama ko jan..ako naman aanga-anga at nabiktima ko kahapon lang..
sa SM NORTH EDSA ko at may lumapit na Charito Sesalde ba un..ganyan-ganyan din nanyari saken..buti na lang at wala ko cc..kaso ang masama eh ATM card ang dala ko..
they even asked me to have a receipt for the balance na nandun sa card..hindi ko alam kung nahypnotized ako or ano dahil hindi tlga ako madaling magoyo…ayun napakita ko din yung balance..super Sh*T talaga…parang wala ko sa sarili nung time na yun..
Nung nag-”talk” na saken yung isang Rep. na ang name is RG. Magaling ang sales talk niya..Muntik na rin ako magbayad ng 26K!!! pero dahil alangan nga ako at hindi magaan sa feeling yung mga nangyayari, hindi ako pumayag..at syempre ilang taon palang ako para maglabas ng ganung halaga almost 2 yrs pa lang akong nagwo-work at pinambabayad ko ng investement ang pera ko..
Super pilit ung RG..hanggang sa inalok sakin yung Merci na 365 pesos. Hindi pa talaga pinatawad. halos maiyak na ko sa inis at gusto ko ng lumabas sa kakapilit nila. Naiinis ako dahil sana umiral ang pagkabadtrip ko at nag-walk out na lng! Pero ayun nga, 365 pesos..wala pa kong pambayad sabi ko sa kanya at talagang pinag-withdraw pa ko! ayaw akong tantanan. gusto ko ng takasan pero nakabuntot talaga at feeling ko talaga eh hypnotized ako..sa kabutihang palad eh 365 lang nakuha sakin..compared sa inyo na malaki talaga ang nakuha..pero pera pa din yan eh..mahirap kitain na ang pera sa ngaun..
ASk ko lang ARPEE, wala naman bang mangyayari kahit nagbigay tayo ng personal information sa kanila? i.e full name, bday, address and signature.. almost all the people who posted here must’ve given their personal information. and of course the signature..pwedeng gamitin sa kung anu-ano..yun ang kinakatakot ko dahil ok ng mawalan ng pera huwag lang magkaroon ng isang pang katulad ko na gumagamit ng parehas na pangalan, bday, address at even yung signature,..
I hope hindi sila ganung tao..pero sa tingin niyo ba? possible ba manyari yung nasa isip ko? mahirap kasi talaga maniwala sa mga palpak na pamamalakad na sinisilaw ang mga tao sa mga kung anu-ano. Kukuhain ang trust mo tapos kung ano pang paligoy-ligoy ang ginagawa..kaya agree ako sa sinabi mo ARPEE. SCAM IS A DECEPTIVE OPERATION. at ang Marketing strat nila ay isang halimbawa nun. Nag-aral ako ng marketing at masasabi kong effective ang strategy nila dahil maraming “nabiktima”..all of us are deceived by the car and the money (na manalo ng kotse at $10,000).. sino bang hindi masisilaw dun diba? sa buhay ngaun.. biktima dahil ang main purpose is to sell an insurance na ibang-iba sa first na sinasabi nila kapag hinarang ka sa gitna ng mall! I hope you understand my point.
Iba-iba talaga ang nagiging experience ng bawat nagiging client ng PPL. cguro nga depende un sa sales agent na mapupunta, may mga sales agent cguro na indi ka pinipilit like sa nangyari kay ness at corazon at meron din nmn ang aggressive ang approach like sa nangyari kay kilo.
Para kay kilo, indi ka na hypnotized..hehehe..sales talk lang talaga un, and doon sila magaling. Marami nagsasabi na nahihypnotized sila pero ang totoo humanga ka sa kanila sa galing nila magsalita on that moment na kinakausap ka nila, nasa isip on that time “wow galing naman nila, sana ganun din ako”..hahaha..tama ba? sapol…kaw naman, una pa lang pala ayaw mo na mag-avail, tapos nag-avail ka rin. yang pili pilit factor na yan, sus, ewan indi pa rin ako maconvince na mapipilit ka kung ayaw mo naman talaga.
iba iba rin ang definition ng scam sa iba’t ibang tao. like ka arpee and kilo, they think ang scam eh deception operation while kay corazon naman eh if they gained something on you. Nasa tao na lang un kung anu man and meaning or interpretation mo para sau ng scam.
to kilo: to answer your question, we don’t want to give out personal information especially to bogus raffles because they use all collected data and form mailing lists, which they sell to other companies who then profile us and send targeted ads. not all companies are discreet with the mailing lists, others sell it again to more aggressive marketing campaigners, thus we end up with all sorts of junk emails and time-wasting phone calls offering us to buy all kinds of shit we dont need. we would love to live quiet lives so let’s not allow these monsters bother us.
hi po, just want to inform you lang po na my mom decided to continue her plan also, later po im going back to their office to settle payment for the month of february, nagpaadala na uli sila ng pambayad eh. hope everyone will settle their issues. thanks po
Sa susunod kasi makinig kau sa mga nagsasales talk n mga yan, wag kau aanga-anga..diba sinabi na no obligatation to buy anything..dapat sinabi mo nyo un sa sales agent ewan ko lang kung may magawa sila.. sabihin nyo un ung sinabi ng nagtanung sakin kung may credit card nako or wala eh,, no obligation to buy anything naman ah,,bakit pinipilit mo ako mag avail.. ewan ko lang kung indi ka tigilan ng sales agent..hahaha..katulad ni kilo,, xa na nagsabi na aanga-anga xa.. na invite pala dati ung nanay sumama pa,,sasabhin pa na parang nahypnotized xa.. pagkatapos sasabhin na pinilit xa..okay ka lang.???para sakin indi ka parang aanga-anga…aanga-anga ka talaga.. tapos sisihin mo at paparamdam mo sa iba na nabiktima ka.. biktima ka ng sariling mo katangahan.
one definition of scam…..define it as obtaining money by means of deception including fake personalities, fake photos, fake template letters, non-existent addresses and phone numbers, forged documents
ganyan ba nangyari sa inyo?
Anu ba pinagka iba ng Life Insurance at Pre need insurance? with regards sa funding nila? May nalugi na bang Life Insurance company? kindly give naman the difference para atleast yung mga taong nagbabasa nito malaman ang difference nila kasi like myself, I believe na isang uri lang sila ng insurance..nakakalito kasi.. kya yung iba rin saka ako alangan kumuha ng insurance..thanks
to alrose: i am a believer of life insurance myself. i have availed of plans from other companies. insurance is a good way to save money, i have no qualms about that. my only gripe against this company is deceptive way they sell it.
to glade: so if someone you know died of a heart attack, will you tell the mourners that it the guy’s fault so we better not cry over it? these people went along with the sales agents because they did so in good faith. it is never the fault of the wronged person if he/she was cheated. a deception need not be done with fake documents. remember that it is always the intent that makes one deceptive, not the instruments.
to mice: i’m no insurance expert. i only wrote this rant because i hated the way i was being played to buy insurance. try this link for more information. this is where i got my insurance.
my personal motto is this: trust your money to people who already have it. because their reputation will mean more to them than the money.
ang tanong ko lang ay bakit mali ang binigay nila na phone no. sakin para mag follow-up?
parang tama nga si glade bout sa word na scam.
they never said they were selling insurance, thus the rant
@ Snny
Dba naibalik na sa iyo yung pera mo? bakit ka pa mag follow-up? Hindi pa ba naibalik sa iyo lahat2? sa akin wla pa rin eh..almost 50 days na..huhuhu.
Guys…can you give me their hotline? me tumawag kasi sa akin lastlast week. from their accounting dept. sabi babalik na daw yung pera ko by first week of feb. ngaun nung iffollow up ko na today… yung inwan na number sa akin is di daw nageexist. kaya does anyone know kung ano number nila? ty.
Let’s join force and puntahan na mga yan! pakita naten yun dami naten para mabalik mga pera naten!
please help me po. i’m from zamboanga pa po n nabiktima din po ako ng PPLIC. pareho po ang mga experiences natin sa marketing strategy nila. nag avail po ako ng endowment plan nung january 6, 2010 then pina cancel ko po sana nung january 11, 2010 but then na convince na naman po nila ako so nag ok po ako ulit. pro po nung jan 14, 2010 sinoli ko na po tlaga kasi nagalit po nanay ko kasi nag swipe ako ng cc tapos d aq nagpaalam sa kanya n pati health nya na affect po dahil sa galit nya. nung sinoli ko po ang endowment pnagawa po nila ako ng letter of cancellation n sabi ng mama ko ipa-receive ko daw po sa kanila kaya pina receive ko po sa girl na tumanngap ng letter ko. pro d ko po kasi na photocopy ang mga documents na sinoli ko po sa kanila and may binigay po silang statement of account pero wala pong nakalagay na cancelled na xa. D ko na po alam kung anong gagawin ko. 52,000 po ang nakuha sa cc ko and wala po akong trabaho ngayon kasi di po natuloy ang work na inaaply-an ko. please help me po. d ko na alam anong gagawin ko.
We should let the company know what some of there agents are not doing their job well. Para magawan nila na g action agad.
try to call 7551567
oi..yung huling winner nila kapitbahay namin pero malayo sa bahay namin. honda city yung nkuha nya.. at eto pa sabi ng ibang kapitbahay namin indi naman daw nakakuha ng insurance yung kapitbahay namin. ang swerte nga ni luzviminda eh, akalain mo indi naman kumuha ng inaalok eh nananalo pa. Kala ko para manalo ka ron dapat kumuha ka muna ng inaalok nila eh,, kasi nakikita ko naman sila sa sm fairview nagtatanung nga if may credit card ka na o wala hindi ko naman pinapansin hindi naman talaga ako mahilig sumali sa mga raffle raffle na yan, mahina kasi luck ko sa ganyan eh. kayo ba may alam kung may nanalo pang iba sa kumpanya nila?
@I last dec kpa na try yung number nila, pero not in service… salamat nga my blog na ganito kaya sa main office nko ng direct ng tanong ko…
good day guys!!! good news (for me), naibalik na ung refund ko. Yesterday lang.. Full refund. despite, september me ng avail ng plan. Binalik p rin nila lahat. Hay, laki pasalamat ko talaga sa site n to..THANK YOU SO MUCH ^.^ ARPEE..
to gie: i’m happy that you got your money back. don’t thank me, thank the people who have generously shared information through this website. feel free to click on home on the upper left hand corner. there is more here than rants.
TO EVERYONE:
pls.help me…same experience po,,ang kaibahan lang yung sa akin..pagka-SWIPE,not honored kasi wala na aqng balance..posible kaya na madebit yun ulit….
@ gie.
I’m happy for you. September u nag avail ng plan? Tapos when u napa cancel?
At kahapon lang naibalik sa iyo? how many months ka rin na nagbabayad ng credit card mo? Kasi sa akin almost 50 days na hindi pa rin naibalik eh..tapos may mga charges pa ang bank sa interest kaya wla akong magagawa bayad nlang ako ng bayad..ang sa iyo naibalik ba lahat pati yung mga interest ng bank?
Please answer me gie..i don’t know what to do na..huhuhu.
@ gie.
Nagpadala ka rin ba ng iyong SOA at dispute letter sa bank mo?
Naibalik rin ba sa iyo yung finance charges ng bank sa iyo? You had been paying for 3 months right? so, ano na yun? Thank you nalng ba yun?
wala talagang dinedelete nya comment ko…
@ L thank you..
September me ng avail ng plan. 16,800 agad nakuha sa cc ko.. Oct-Dec ang monthly premium ko is 1,610 every month.. December 14 ng email ako sa pubassist_ic@yahoo.com.ph (INSURANCE COMMISION) asking for their assistance to cancel my insurance..(dapat complete details ng insurance at may signature ka, sila na ang mgforward ng email u sa PPLIC). Kinabukasan tinawagan ako ni MS. GINNY STA MARIA and ask nya reason ko. So ng explain me sa kanya.. December 16, nakareceive ako ng email from Ms. Ginny saying n ngrant n ung cancellation ko. so, pinasurrender nila lhat ng documents sa knila.(be sure n may xerox copy k lahat). Within 30 days ung refund. Pinafollow-up ko n lagi kay Ms. Ginny my refund tru email at cc ang pubassist_ic@yahoo.com.ph. Until n credit back n ung P21,630.00 sa cc ko…Ung mga finance charge try ko habulin s Bank ko kung pwed din i-reverse.
Cancelled n rin b insurance u? wait k n lang b refund? Try to email n lang ms ginny ( gstamaria@philprudential.com.ph) cc to pubassist_ic@yahoo.com.ph
Sana maayos u na agad.. Goodluck sau..
@ P
Wala n me pinadala SOA / Dispute letter s bank ko.
Bali ang naibalik sa kin: P16,800 Initial premium
Subsequent premium 1,610 October
1,610 November
1,610 December
Total Refund P21,630.00
Ung finance charges, aayusin ko pa lang sa bank ko, hindi ko rin sure kung ma-reverse dn un…
nabiktima din jan ang kami ofc mate ko, as in traumatized kmi dahil hinarang kmi sa loob ng booth ng mga taga prudential at nakunan un ka ofc mate ko ng credit card nya ng 9090++. ako kaase wala credit card kaya wala napiga sa akin, ewan para daw sya na hypnotize ng mga un at napaplit na mabigay ang credit card niya ng aking tanungin at ayun nga na swipe na. nag gawa na kami ng letter sa phil prudential life pero d pa kami sure kung me refund nga sila bibigy, pero ganun pa man, d pa din solb ang problema. ok un nakuha ko mga tips here sa site mo arpee pero wala na ba tayo magagawa sa kanilang panloloko? kung puro paglalahad lang mga story dito e after d fact na ang ngyari, parang tapos na ang kwento, so to speak. ngawa na lang tayo ng ngawa. plan ko sana mag reklamo sa DTI, Insurance commission na ang ofc ay sa UN Avenue malapit sa philtrust bank at sa central bank tungkol naman sa card companies na mukhang ka kutchaba nila sa pag bilis mag debit, sino mang me gusto sa inyo na sumama sa akin lalo na un case ko na d pa na refund un pera, pwede email nyo ko para magka usapan tayo at magsidulog sa mga ahensya na nabangit. tutulong naman daw sila ng magtanung kami. malaki na ang pera na nawala sa atin here. dapat matoldokan na ang mga gawain na ito, wala pa ba nagrereklamo sa mga tv shows like xxx, imbestigador, bitag?
to boying: it’s not easy to just go to the government and complain about them. true that all we can do is complain AFTER the fact that it has happened. but there are certain legalities that i’m sure a big company like prudential life has already thought about. all this post can do for now is warn people.
to all: yes, i do reserve the right to control comments on this blog because it is, above everything, a personal blog. if i see that your comment is offensive to the readers then it will be deleted. labeling prudential life victims as “aanga-anga” is adding insult to injury. we need not be victimized to complain about how unscrupulous prudential life’s marketing strategies are. calling a victim stupid is not helpful and will only make the person feel worse. they came to this blog seeking solutions, not heartache. whatever their reasons are, people who want their money back, have the right to do so, thus they have the right to information that will help achieve this goal. let us respect that, because we all work hard for our money. hindi natin pinupulot ang pera, at least most of us. kailangan natin ingatan ang mga sarili natin laban sa anumang uri ng panloloko.
@gie
pwede ko po bang itanong kung ano po talaga ang content ng ine-mail nyo kay ms ginny? wala po kasi talaga akong alam about sa mga ganon. hope you could help me po. thank you. God bless!
@ sophie
may email ka b? or ym?
Grabe anlaki pla ng n debit s cc u..sana maayos n nga ASAP..
hi sophie will be going to the main office tom. if you want to come just meet us there. thanks.
ako po si glade,grabe and todonatograbe….I used this username before kaya lang binablock na ata ako eh..hhuhuhuh..peace po!!!
@gie
sleepeehed_23@yahoo.com po ang email ad ko. please po tulungan nyo ako. paki forward na lng po ng mga ine-mail nyo kay ms ginny pra ma follow-up yung pag credit back po ng pera. thank you po!
Para sakin ha..dapat wag natin idelete yung comment ng iba pwera n lang talaga if nagmumura na siya or nakikiapg away na siya sa ibang nagcocoment dito.ginawa naman siguro to express lahat ng nasa isip natin….ngaun lang ako nagcoment pero punta ako sa site na to read comments..
To glade,grabe at todonato..like wat arpee said sa kanya ang blog nto..kung anu man ang gawain nya dito nasa kanya un..and baka may dahilan siya kaya nya delete comment mo.
@ ivy
thank you po sa pag invite pro di po kasi ako makapunta sa main office kc po andito po ako sa mindanao ngayon. hope po na ok po ang result ng lakad nyo sa main office. God bless!
to win: thank you for your vote of confidence. yes i have my reasons why i keep blocking this person. he/she has been arguing things outside of the topic, thus making him/her into a spammer/inflamer.
dear readers, you are welcome to say what you want as long as we stay within topic, which is prudentialife. pro or anti, i have no qualms. but i will NOT tolerate personal attacks on me and to other readers. normally other blogs moderate comments prior to posting but am allowing people to post automatically, to give them a venue to let themselves be heard. sadly i am no saint that i will post attacks against my person, let alone allow myself to be humiliated in my own blog. to TODONATO, or whatever your name is, i offer you the olive branch, but i recommend you stop exhausting all IP addresses just to post comments only to pursue the point that you are right and i am wrong. once you start going in that direction, you automatically become a spammer. you can always start your own blog where you can say what you want to anyone. but in my house, i call the shots not you.
hi to all, I just want to clarify to all I wasn’t looking for trouble and I didn’t leave comment just to bash other.
To Arpee, I wasn’t attacking you. You explained you side hope you give space for mine.
Okay, KIlo shared her story about what happened to her. She admitted na she wasn’t in herself(i avoided the word) that time. What i did, for me, ginatungan or pinalalim or kung anu man itawag nyo sa ginawa ko. if you thought I attacked her, then I could not do anything about it.
After that nagcomment ka for her aid about “heart attack” and what you believed happened to you when someone called you. Then I explained my side, i just gave some example yun lang un. I wasnt attacking you, I never meant to humiliate you. If you will read my comment wala talagang foul akong nakikita, If hindi siya totoo then I believe there is no reason to feel humiliated.
Like you said this is your house, your blog, and the shots is in you. It is up to you again if you will delete it again. This is my piece and if you felt humiliated, my apology.
your apology is accepted. i would like to move on and continue providing a venue for those who need information regarding prudentialife. please post any helpful info that you might have.
Wow bati na sila..heheh..eto naman idea ko..naniniwala ako na both parties ay may pagkakamali, yung sa company at ung nagiging cliente nila..
Siguro mali nga lang talaga the way the agents of the compny gets client para mag alok ng product nila..sa client nila we should learn how to reject invitation although kahikahikayat naman talaga yung offer nila diba but makinig tau sa sinasabi nila..minsan kasi nasa kanila rin yung way para makaligtas or makaiwas hindi natin kgustuhan.makinig taung mbuti..like nung nangyari kay ness, she listened carefully, so the agents,wala sila magawa..lagi natin tandaan na nasa atin ang sagot para sa lahat..if u will search naman maganda naman ang life insurance, pag kakamali lang nagibang agent, sigur per quota sila they tend to do some unnecessary action and speech para lang makareach ng goal nila..paganahin ntin utak natin..hehehe..thanks to all
@ win.. strongly agree. Minsan hirap talagang to say NO.. but we learned our lessons.. We have to think carefully specially to those promos roming around the malls..
hay naku..may kpareho ba dito sa akin na 2 months na nag hihintay wla paring natanggap na refund?
pinapaasa lang ata ako nitong taga PPLIC ah! ano dapat kung gawin..lumaki ng lumaki na yung aking interest sa banko….tulong nman po ah.. thanks in advance.
@gie.
Cancelled na pero hindi parin na charge back yung pera ko until now. mag 2 months na nga eh..
huhuhu. I’m so sad.
@ L
Email mo si miss GINNY STA. MARIA (gstamaria@philprudentiallife.com) and cc to pubassist_ic@yahoo.com.ph to FOLLOW-UP your refund.. Dapat lagi u finafollow-up.. Goodluck….
Agree ako kay din ako kay win, we should listen carefully sa mga taong nakakasalamuha natin sa pang araw-araw at malalaman mo rin sa bibig na kausap mo yung mga dapat mong malaman, which could help us to prevent such incidents. Naniniwala rin ako na may pagkakamali din yung mga kleyente hindi lang yung kumpanya. Minsan kasi tayo pagmay alam tayong pwedeng sisihin, sa kanila na natin sinisisi lahat, lahat nang bagay na pwede natin ipukol, ipupukol natin, pero indi natin inisip na somewhere, maybe maypagkakamaili rin tayo, kumbaga, duguan na yung sinisisi o kalaban natin hindi pa nila alam na may ganun palang pangyayari at kung minsan yung iba nagiging exaggerated pa sa mga sinasabi, sumasakay lang sa iba. May nabasa ako dito na sana daw dapat magpakatotoo tayo, which also I believe we should.
May mga taong kasing nahihiya rin aminin ang pagkakamali nila kaya ang ginagawa nakikiayon na lang sa iba…Lets learn our lesson…
hey guys.. Some quotable quotes..
So when you are listening to somebody, completely, attentively, then you are listening not only to the words, but also to the feeling of what is being conveyed, to the whole of it, not part of it.
-Jiddu Krishnamurti
A good listener tries to understand what the other person is saying. In the end he may disagree sharply, but because he disagrees, he wants to know exactly what it is he is disagreeing with.
Kenneth A. Wells
OMG…OMG talaga….Legitimate ba yung Philippine Prudential LIfe? OMG…Nakapag avail ako ng plan sa SM Megamall, but the things is, its totally different from what I experienced compare sa mga nakacomment dito. I mean,fully aware ako…kwento ko na lang…..
the usual katulad nang mga nakaexperience nang iba na tinanong sila if may credit card na sila..ganun din po ako.. then dinala na nila ako sa office nila..and then this agent, stupid of me I forgot the name,..pinapasok nya ako sa office then pinakita nya sakin yung mga nasa wall na frames, picture ng president, clips from newspapaer, nabasa ko pa friend ni gloria may-ari…then afterwards upo nakami, explain explain.. I put my plan,dreams sa paper..so thats it,,I know this maybe iba talaga sa naranasan nyo but aware ako ng dinebit nila ako ng initial payment ko 24taw, alam ko rin na may monthly, basta it was all explained to me, I can never say na pinilit ako kasi binigay ko yung card then the agent let me read the authority to debit. then after punta kami cashier inulit uli nung cashier yung nasa papel..after ako madebit pirma nako mga documents..syempre tanung na ko ng tanung kung anu benefits kasi sabi savings with kasamang protection daw..may pinili pa akong cash value as my non forfeiture option….then after mabigay yung papers naghintay ako dun and nakipagkwentuhan sa mga agents nila dun,siguro 3 hours ako nag stay dun kasi nakipagchikahan pa ako sa kanila..Then after 3 days may tumawag sakin asking if happy naman ako sa inavail kong policy and I said yes and willing talaga ako icontinue..
Ang problema ko ngaun is kung legitamate pa yung kumpanya? kasi sa mga nababasa ko dito sa blog scam daw? pwede bang mangyari yung ganun na legitmate pero scam? San ko pwede iverify kung legitmate yung kumpanya? Sa SEC ba sila katulad ng CAP? kasi kung hindi siya legitimate babalik talaga ako dun..hhuhuhhu.. pero kung legitimate naman i’ll continue the plan..Thanks to win and just,, after all reading mga previous comments, nabasa ko naman yung sa inyo..medyo gumaan naman pakiramdam ko..sana masagot nyo katanungan ko…
OMG…OMG talaga….Legitimate ba yung Philippine Prudential LIfe? OMG…Nakapag avail ako ng plan sa SM Megamall, but the things is, its totally different from what I experienced compare sa mga nakacomment dito. I mean,fully aware ako…kwento ko na lang…..
the usual katulad nang mga nakaexperience nang iba na tinanong sila if may credit card na sila..ganun din po ako.. then dinala na nila ako sa office nila..and then this agent, stupid of me I forgot the name,..pinapasok nya ako sa office then pinakita nya sakin yung mga nasa wall na frames, picture ng president, clips from newspapaer, nabasa ko pa friend ni gloria may-ari…then afterwards upo nakami, explain explain.. I put my plan,dreams sa paper..so thats it,,I know this maybe iba talaga sa naranasan nyo but aware ako ng dinebit nila ako ng initial payment ko 24taw, alam ko rin na may monthly, basta it was all explained to me, I can never say na pinilit ako kasi binigay ko yung card then the agent let me read the authority to debit. then after punta kami cashier inulit uli nung cashier yung nasa papel..after ako madebit pirma nako mga documents..syempre tanung na ko ng tanung kung anu benefits kasi sabi savings with kasamang protection daw..may pinili pa akong cash value as my non forfeiture option….then after mabigay yung papers naghintay ako dun and nakipagkwentuhan sa mga agents nila dun,siguro 3 hours ako nag stay dun kasi nakipagchikahan pa ako sa kanila..Then after 3 days may tumawag sakin asking if happy naman ako sa inavail kong policy and I said yes and willing talaga ako icontinue..
Ang problema ko ngaun is kung legitamate pa yung kumpanya? kasi sa mga nababasa ko dito sa blog scam daw? pwede bang mangyari yung ganun na legitmate pero scam? San ko pwede iverify kung legitmate yung kumpanya? Sa SEC ba sila katulad ng CAP? kasi kung hindi siya legitimate babalik talaga ako dun..hhuhuhhu.. pero kung legitimate naman i’ll continue the plan..Thanks to win and just,, after all reading mga previous comments, nabasa ko naman yung sa inyo..medyo gumaan naman pakiramdam ko..sana masagot nyo katanungan ko
@enlightenme.
Totoo nman na may Phil. Prudential Life Insurance.
Sabi mo hindi ka pinilit, so it’s good and it’s your decision.
Don’t worry totoo nman kaso yung marketing strategy nila ang mali.
Yun ang ayaw namin. kaya nag – withdraw nalang kmi.
Tama yan arpee dba? May PPLIC naman talaaga. Strategy lang nila ang mali.
i experienced this just today. sa SM North. buti kay enlightenme nagexplain sila ng maayos regarding the payment. sa SM north hindi ganun ang ginagawa nila.
explain muna sila about savings and all that which is actually good. so i agreed naman. tapos may pinapirma na paper na may amount. ang sabi sa akin i-check lang daw nila sa bank kung ma-approve. sabi pa nung isang babae dun na kapag may tinanong sa akin kung icredit daw ba sa account ko just say YES. i was assuming that they were gonna call the bank. nagulat ako na bigla na lang nila naswipe yung card ko. good thing hindi na-approve. tapos pinipilit nila na babaan na lang yung amount. that’s when i said NO. ang nakakainis dito gusto ko na umalis ayaw pa rin nila ako paalisin. pinipilit talaga nila ako na subukan ulit ipa-approve yung amount. the thing is ayaw ko naman sumali sa kanila. talagang nakipagsagutan na ako para lang hindi na nila i-swipe ulit yung card ko. tapos may isang agent dun na sinabihan ako na “EH DI WAG KA NA LANG PALA MAG-IPON.” tama ba yun? sinabihan po ako na “KAHIT NAMAN HINDI KA MA-APPROVE MAY SWELDO NA SI CARLO (yung nagpresent) DITO.” grabe talagang experience yun. i stayed there for 1 and a half hours kasi ayaw nila ako paalisin.
we should advocate this. i am advocating this in my facebook account kasi mali talaga marketing strategy nila.
sana yung ibang nagkaproblem maayos.
Same ako ng experience with enlightenme pero walang tumawag to confirm if I was happy about the purchase.
Legit naman PPLIC pero underhanded ung tactics na ginagawa nila to get clients. They pry on people’s naiveness and try to coax on their impulse buying tendencies kaya nga sabi nila on that day lang ung offer. Pero when you think about it, andaming arguments na pwede ka i-raise sa presentation nila. Here are some of my arguments:
1. 5 years to pay na 90K at rate 1,610 per month tapos wait 10 years after last payment for your money to make 175K. Idagdag mo pa ung initial premium na 24K sa gastos so parang 114K ung investment mo tapos around 60K lang maeearn mo for 15 years. Ang tagal naman nun for 60K lang na gain. Parang ilang buwang sweldo lang un hihintayin mo nang 15 years?
Eto pa. Kung follow mo ung scheme nila without them (personal saving) na 1,610 per month, in 10 years naka 180K ka na and wala ka pang iisiping payment sa bank for anything kasi ikaw nagcharge sa sarili mo. Your terms and your payment scheme to yourself. Diba mas ok un?
2. Naraise ko ung first argument ko pero may counter sila. Sabi nila security rin daw pag sa kanila. Eto ung gusto kong counter-argument: May assurance ba ako na buhay pa ang company in or after the 15-year endeavor. Sila na rin nagsabi na nothing is certain in the future. So company nila rin kasama dun.
Ung sa akin napacancel ko na yesterday. Parents ko naglakad ng papers kasi may work ako. Di naman daw pinahirapan. Thanks to this blog nakakuha kami ng steps on how to tackle the cancellation. Hintay ko nalang ung pagbalik ng amount sa cc ko. Follow up ko nalang pag nabalik na ung MERCI kit na nabigay sa akin. (leche nakalimutan ko pa hehehe).
One thing we guys should watch out for sabi ng dad ko. Even to those na nacancel na ung policy and nabalik na ung money. Take measure na rin to secure your identities. Since nabigay natin ung personal information natin sa kanila, we don’t know what they will do with them. Malay natin benta nila sa identity theft organizations. Take precaution nalang and ask sa banks if we can change the card numbers but still retain the account. Un ung gagawin ko once nareverse na ung money.
Pwede ba natin request sa PPLIC to shred the original docs in our presence? Malay ba natin kung ano gagawin nila sa returned docs.
true. i did some asking around, it’s prudentialife that lost it’s license not PPLIC. however, their marketing strategy is downright unethical and predatory
Thanks po lahat ng sumagot sa katanungan ko..
Hi po to SSY..sa landline kasi ako natawagan to ask if happy ako to avail or not eh…anu ba number binigay mo? Edi hindi ka rin pinilit ng sales agent unlike nang mga comment ng iba dtio?
Base sa explanation and pagkakaintindi ko kase nga matanong ako hehehe..5 years ko babayaran then stop na payment ko then my waiting ako 10years before ko makuha yung maturity amount. During those period na hindi ako nagbabayad protected ako (ayon sa kontrata, binasa ko siya).So if ever may mangyari sakin kahit hindi pa tapos ang pagbabayad may makukuha yung binigay ko na beneficiary. Kung bibilangin mo talaga kaya talaga natin ipunin yung amount with in 15 years, pero ang offer nila kasi with protection..alam mo yun habang nagbabayad ka or nagsasave ka protektado ka (wow whisper with wings,heheh). Naisip ko rin to, in 5years of payment sa kanila , nakasave nako ng almost 160k, if ilalagay ko siya sa bangko, and iwanan ko siya dun ng 10years magkano ba interest na madadagdag?
To arpee: thanks po.. buti na lang legitimate yung philippine prudential life….
Ganon din nangyari sakin kaso ngaun ko lang narealize, nakapag swipe sila sa account ko ng P16800 tapos nakapagdebit na sila ng 3 months marefund ko pa kaya un? 1610 every 15 day of the month, decided na me pacancel makuha ko pa kaya full amount na nakuha nila sa account ko?
@ kindred
same experience tau at same amount nakuha sa atin.. mkukuha mo pa yan. Sa akin naayos ko na at nakuha ko n rin full refund ko. Try to email Ms. Ginny Sta. Maria gstamaria@philprudentiallife.com and cc to pubassist_ic@yahoo.com.ph na icancel u n ung policy u… dapat nk indicate lahat ng details ng policy sa email u. Goodluck…
God Damn i’m so worried about my CC, ngaun lang kc ako nakapag open ng net.kaya ngaun ko lang nasaba n scam pla ung PPLIC n yan. maclaim ko p kaya ung money ko? it’s already 1 month n nila nadebit ung 20,500 php saken eh. but i did already block my CC a week a go n.
Thanks God!!! and thanks to this site, i got my refund yesterday morning 16,180…
I’ve got my refund as well. Thanks God and to arpee and to all who posted helpful tips here. Thank u. I hope you can settle yours.
@kindred
Try u lang. kasi parang may kaparehong case sa iyo dito. Basta there’s no harm in trying.
Prove u lang bkit u ipapa cancel. ask u help sa pubassist_ic@yahoo.com
Yan nlang cguro ang gagawin mo..
hi to everyone.. share ko lang po….
Tumawag ako sa Insurance Commission and nagtanung para masure ko rin.. Sabi nila wala pa raw life insurance company here in the Philippines na nagclose or bumagsak. Mahigpit daw ang insurance commission when it comes to life insurance. Sabi pa every year daw kasi ang insurance commission pumupunta sa bawat life insurance company to review the book (indi ko matandaan kung anong book eh,,basta book daw) if okay pa yung company if dapat pa ba sila magbenta ng insurance. Eto pa magkaiba daw ang life insurance sa pre-need company,..ang life insurance daw regulated ng Insurance commission at ang pre-need eh under daw ng SEC, at ngaun daw ang SEC is under Insurance Commission na rin. Monitored daw talaga lahat nang life Insurance..Suggestion nung kumausap sakin, its better daw basahin daw yung nasa contract..
hope everyone concerns will be addressed properly…
Basta ako, no problem na ako. Kasi naibalik na sa akin ang aking pera..mag-iipon nlang ako sa banko. Sure pa na tutubo ang pera ko kahit konte..hehehee.
Sa inyo nlang yang insurance nyo..
To everyone:
Nasa Iloilo na rin daw cla. Kaya mag-iingat!
Hi, Last Feb 9, lang ay na sway ako sa ganitong type ng scam, 18,000 ung dinebit nila sa account ko and now reading these comments I really think it’s best to cancel my policy. Maling mali ang way nila para makakuha ng clients, I think the Insurance Commision should act on this. Kasi kawawa naman ang publiko n niloloko nila.
Pls. Help about the steps kung pano makkarefund at gano katagal bago maibalik…
Grabe hindi po ako nakatulog, at umiyak me ng todo…I have 42K in my atm at ang nadebit nila sa akin kahapon ay 18,700 OMG!!! Grabe ung strategy nila para mapaoo ka…talagang pinalibutan ako ng mga sales agent nila at kinonvince na iswipe ung card ko…para daw i check kung okay sa term nila. Go naman ako…then bigla nalang sila ng nagdebit ng 4 times, first is 14,000 then 2,200/ 1,610 (payment for Aug) at 365…. nagulat nalang ako dahil sarado na ang mall…11:30 Pm nako lumabas…at hindi ako natuwa sa nangyari sakin…i didnt felt secured parang feeling ng naholdap…Pls…sana naman PPLIC tigilan niyo na ang ganitong uri ng scam…Mr. Henry Sy, wag niyong hayaan na siraan ng ganitong scam ang credibility ng SM MAlls…dahil nagha-house kayo ng scammers…ang lupit talaga ng siste nila. Sana lang makonsiyensiya sila…at matuto ng tamang asal.TANDAAN ANG PERANG KINUHA SA MALING PARAAN AY MADALI RING MAWAWALA….KAYA PPLIC itigil niyo n yan or else yan ang ikababagsak ng company niyo!!!!! Ibalik niyo ang pera namin!
Hindi yan cla takot kasi may permit to sell insurance yan cla. Isumbong nyo lang sa pubassist_ic@yahoo.com ang ginawa nila at cgurado ibabalik nla ang pera nyo…^^ Tested na ya..promise!
@ Kayla
Just read my message above. Hope it will make happy a bit. ^^
pwd ko b malaman un content ng email letter or un format .. anu un dpt to cc to pubassist_ic@yahoo.com.ph. pls guide me.. need als to settle dis.. very worried.
@ An
You can see the content of the letter above. Or you can also make your own content base on what or how you felt as of that moment na naloko kayo o niloko kayo o pinilit kayo or any.. cc mo sa pubassist._ic@yahoo.com.
Yun lang..magkano ba ang nkuha sa iyong account?
@ c
wat is cc? almost 13k. do i need to do separate letter of complaint? tnx my response nmn agd?
panu approach ang gagawin ko? do i need n mgsungit? begging? anu mga risons n cnbe nio?thank u rili nid help….
narerefund un.. tinatakot lang kau nila.. otherwise magsumbong kau sa insurance commission… o magwala sa loob ng opisina…
wag KAU MATATAKOOT SA KANILA.. SILA ANG TAKUTIN NYO.. NARREEFUND PO YUN.. PAG SINABING HINDI,, TELL DEM MAGSUSUMBONG KAU SA HEAD OFFICE O INSURANCE COMISSION
Nainvite na rin nla ko na makinig ng presentation nila. They told me it will a
only last for 30 mins. and it took me 2 hrs.inside. Sa simula pa lang naramdaman ko na there’s something wrong. Ung office kasi nila maingay may parang disco music. Isang way nila un para maconfuse ung kausap nila and hindi makapagisip ng maaus. I even asked the agent talking to me, bkit credit card ang ginagamit nilang basis para maqualify na sumali sa kanila. Nakakapagod sya pakinggan kasi dami dinidiscuss.. Nung kinukuha n nya card ko dko talaga binigay. and lumabas ako. hinabol pa ko gang sa labas. mawawalan daw sya trabaho sa ginagawa ko. Pero sorry sila. d ako tanga na magpapauto sakanila. sana lang marefund ng iba ung pera nila.
dapat ganun ang gawin nung ibang tao..i salute mixel sa ginawa, kumbaga pananindigan nya yung desisyon nya na hindi siya mag-aavail ng plan..diba wala namang nagawa yung sales agent, its a proof lang na kung ayaw ng isang tao, kahit hiramin nila card mo indi m ibibigay diba? so its a good lesson para sa ating lahat yung nangyari kay mixel. sana na nga lang lahat
nakaattend na din ako ng presentation dito phil prudential. but my experience is good naman even though lumampas kami ng 45 mins but about the product, maganda xa. i presented my citibank visa na card but im not decided by that time since malaking halaga ng pera din ang pinag-uusapan dun. So i decided not to avail muna kasi di pa nga ako ready. actually, savings is good. with their seminar i realized that we need to save as soon as possible. though hindi ako nakapagstart ng savings sa kanila, nagsasave na ako ngayon for my family’s future.
i dont think lang na if ayaw mo talaga they can’t force you naman eh.. its impossible naman na pinipirmahan mo na pala ang isang contract na di mo naintindihan o nabasa.
every bussiness have it’s own stategy, to attract client.
Godbless all!
Hi, first of all I am a licensed insurance agent. I went to PPLIC last Feb 12, just to see how they make transactions. I commend their strategy for attracting people to go at their office and listen to their company presentation. Sino ba naman ang hindi ma-hook kung makikinig ka lang sa kanila in 45 mins at yun pwede ka na maglaro to win a brand new Honda Civic. It’s just that… at first they won’t tell you their selling you an insurance policy. Their gonna give you situations, and ask you to be participative with their questions regarding the benefits of saving money in the future. It’s like their opening your mind to various possibilities of investment.
They say they want to promote the company by word of mouth. Delinieating Philippine Prudential Insurance to Prudential Life… Okay fine.
But why do they only target those with cash at hand…those with ATM cards amounting to 30K plus and Credit Cards.
Is it because kapag nabola na nila yung tao its good as right at that moment me insurance plan na siya? That at the moment she/he agrees pwede na i-swipe kagad yung card at ma debit ang malaking amount.
SIGURISTA!
Ang pagbili ng insurance ay dapat pinag-iisipan ng mabuti because it’s a long term investment. Yeah its true that its a savings with 100% protection but that truth is even the company’s existence is always at risk. Hindi ganon kadali kumuha ng refund…kpag nagsara ang kumpanya…
And while, we hope for a better future…sometimes we are blinded by deceit and misrepresentations.
When they debited the said amount base sa short discussions niyo. And while you feel at that moment its a good way of investment, you’ll easily agree to them…and sign the Authorization to Debit. Not knowing kung ano ba talaga ang pinapasok mo…
They won’t be discussing you the “real” terms and conditions…unless they have debited you an amount. I asked them about giving me the contract at first but they wont. They’ll just say that its a good investment.
Their eagerness to pursue you to get the insurance policy ends when they already got the money. Then they’ll ask you to sign documents…and then afterwards a BIG THANK YOU….
Then after more than 2 hours of talk…you’ll get to play for the HONDA CIVIC…
OH diba astig… Your motivation is to win…
But in that event sometimes you got to be the BIGGEST LOSSER…
Cause hindi mo naman talaga naisip bumili ng insurance sa mall.
You’re just hanging out with some friends …when someone approached you that it’s free and that you don’t pay anything…
BUT WHY DO THEY NEED A GUARANTY…That you’re rich …and has a big amount at the moment… Why???
It comes with a HIDDEN PLAN.
And after long thoughts after you have received and read your insurance folder…You’ll ask yourself…”Bakit ganun ako kabilis napapayag? ”
“Do I really need this?”
“Can I sustain myself for paying the said amount monthly?”
WELL EVERYONE…should have an enough savings for their future…INSURANCE POLICIES ARE GOOD INVESTMENTS…THAT’s A NO DOUBT.
But i would just like to share this thoughts not because naninira ako or something, I’m no longer in the business of selling insurance policies…I left for my own reasons…
AS insurance agents we should have this conscientious effort to be transparent with our clients. Sabihin mo you’re here to sell them insurance…kasi eto yung benefits…
You don’t conceal the truth just to make sure this person will get a policy and as an agent get and be on top of quota….
MALI PO YUN.
Kapag sinabi ng client “pag iisipan ko pa”…You don’t ask your fellow agents to help you convince her.
After all you just said its a company presentation…right???
I hope everyone gets the idea of what I’m saying…
It differs, maybe sa ibang branch ng PPLIC iba naman ang approach…
Ganun din but their saying straight on your face… “I’m gonna sell you an insurance policy…”
And yes to those who need any help. Pls. Get in touch with the Insurance Commission…they will help you with that.
And try to ask the IC how many complaints their getting and you’ll be shocked.
TO ARPEE:
Your blog is an eye opener para sa mga taong nagulat sa mga pinasukan nilang decisions. I hope everybody gets the lesson … that if you have doubts…don’t say yes at the moment…sabihin mo you’ll think about it…And when the time comes you find your really interested…then go…bumalik kas sa PPLIC cause you think its a smart decision.
And to those agents, that can’t accept a NO….Please, learn how to RESPECT people’s decision….
GOD BLESS EVERYONE…:)
JONA
Hi, when I searched about Philippine Prudential Life … I read an online news that the company is growing and in stable condition. Saying more than 1, 000 policies are being sold monthly…WOW.
But what if 500 of those policies were being cancelled cause they really have no idea why they signed up for that plan. What if dahil nahila lang sila sa mall eh nag go na sila na bumili ng insurance like me… Na convince in more than 2 hours na maganda siyang type of savings account…
And after reflecting over what happened you’ll realize… what have i done???
Kanina lang po ay nabentahan ako ng insurance plan, with initial premium of 26,600….5 years to pay/ 10 years endownment.
Since I’m only a student, at thrilled sa mga ganitong pakulo sa mall na libre…at walang babayaran… Why not listen to them in such a short period and win a Honda Civic or $10,000…
I got my credit card from my mom last week, that made me qualify sa promo nila.
But then because I didn’t realize what I was being offered to… nag go ako para ma swipe nila ung card ko. Kasi their saying they’ll be checking my bank if its okay with their system sabi ko okay lang. And then me pinapirma sila sakin na paper, asking me to sign approved printed name. Nagulat nalang me ng after maswipe nakita ko me fill up na ung amount sa paper, 26,600. At yun din ung nilagay nila sa machine after and then I pressed for my pin code.
Gosh…nagulat talaga ako. But their assuring me that its a good investment.
Halos maiyak ako when I checked my card and its true na debit ung ganung amount.
I was just gonna shop for a pair of shoes with a budget atleast 2K.
Hindi nako nakabili at tulala nalang akong lumabas ng SM habang kipkip ko ung insurance folder… Thinking if I lost this… parang nagtapon ako ng 26,600.
Pagdating ko ng bahay nakita ni mommy ung folder and told me how could I have been so stupid… We already have an insurance policy pala…
All the while kasi I thought its a savings account…
kaya naman napa OO ako.
Right now, my mom is consulting a lawyer to draft a letter of cancellation and to transact business in behalf of me. Hindi ko kaya humarap sa knila na mag cancel ako kasi baka mapahiya lang ako at magmukhang tanga sa harap nila.
All I’m praying is sana mabalik po ung pera ko…
I don’t think me nanalo sa car promo na yun. Sana macheck din siya ng DTI…kasi baka behind that me fraud pa rin.
At yun yung way nila para maka attract ng clients.
Sana wala nalang sila sa mall …
Sana sa labas nalang sila nagbebenta…
Bakit ba kelangan mangharang pa sila…
KAKAINIS.
Balitaan ko nalang kayo regarding my complaint.
Thank you sa mga comments… Siguro talagang ibat iba ang style nila kada branch pati ung approach ng mga sales agent.
Fuc*Sh*T. while reading these post I saw my teacher MS. Jennifer Sunga (Posted Nov.4, 2009) was also victimized like me….GRRRRR
Hello, pag atm card at Bank of Commerce siya kelangan pa ba ng dispute letter sa bank. Or like, I’ll fax a letter to my bank informing them na me marerefund ako within 30-45 days na 20K. ????
Thanks
@ Jona
Nako salamat sa mga nabsa ko dito mula sa iyo. Tama lahat ng sinabi mo. Sa ngayon tumutulong nlang ako sa mga nangangailangan ng help dito. Sa akin nga yun ang nasabi mo na hindi nila ipapakita sa iyo yung policy itself unless hindi pa nila nakuha yung amount na gusto nila o na present nila sa iyo.. Ang sa akin nga nkakuha cla ng almost 40K as initial premium. Pero naibalik na sa account ko. Buti nlang at isinumbong ko yung ginawa nila sa akin.. ^^
Yang Manager jan sa iloilo PPLIC branch..mukhang mabait pero hindi rin niya ina accept yung nag ask ako ng cancellation kasi na downgrade na daw. E pwede rin nman pla mag cancel noon na hindi pa nkadown grade ah..tapos sabi nila hindi raw down grade lang.
Tapos my assistant manager pa jan na mukhang suplada..hay nku..ewan mga sinungaling talaga yan cla!!!
to ms ginny
I knew you are dropping in this site to read the comments here. You have promised to give my refund after 15days. But it’s nearly 30days wala pa akong natatanggap na refund. What’s in your word all about? I have called at PPLIC office looking for Carla but I can’t reach here. Somebody said she is not around.My next call again, she just took her break..I don’t want to make any comments sana here kung nandoon ang “word of honor” sana from all of you..The next time I’ll post here sana hindi na ganito ang mga linya ko..
@ giegs
You know hindi butin nga sa iyo e 15days yung sinabi. Sa akin is 30 days talaga and you know what? Umabot din ng 60 days bago naibalik pero huwag kang mag worry kasi ibabalik din yan ni Ms. Ginny. Mabait nman yan sya kaso lang yung sa akin nag ka probs. lang kunti sa bank pero nag worry din ako noon kasi nakabayad na ako nga almost 4 months kasama na doon ang interest. Pero naibalik din nman. God is Good talaga. ^^
naku nung last friday po nabiktima din ako sa SM mega Mall. sabi kasi ittry lang daw ung credit card ko kung papayagan daw. Eh hindi ko naman alam na ang ibig sabihin nilang “ittry” isswipe na agad pala. Wala na akong nagawa total sabi ko for insurance naman to. pero after reading all thses messages mukhang natatakot na ako. anu ba dapat gawin.nag email na ako kagabi sa kanila at dun sa Ms Ginny at naka-cc sa pubassist_ic@yahoo.com. Pero hanggang ngayon wala pang reply. natatakot ako baka hindi na maibalik ung pera ko..Anu po ba ang magandang gawin?..tulungan nyo naman ako.
sino po ba may alam contact number ng Insurance Commision? Pwede naman sigurong tumawag na lang dun and i raise ang ganitong sitwasyon.. Guys i really need help,
naku,nabiktima rin ako nyan last feb 12 lng.hay,pno b dpat gawin pra mcancel ung policy? mas madali b if sa main office pumunta or sa sm pamp? sbi kc ichecheck lng daw if maaprove ung credit card ko,ako nmn c tanga binigay nmn, feel ko nung time n un e nahypnotized yta ako.hay.help po.tnx..pano rin mkakakuha ng letter of dispute from the credit card company?tnx po..
it shows na iba iba pala approach ng mga agents sa branches nila..nasisira yung ibang agent na ginagawa naman ang trabaho ng maayos dahil sa ibang agents tsk tsk. buti may customer service sila na trying to help para maresolve mga nagiging problema ng mga clients nila..
@Z
hi.. just wanna ask ung finance charge u b nareverse din lahat? pwed p kaya mhabol ung sa akin october november december p. n refund ko na ung sa policy ko pero ung interest nd p..
Hi, gusto ko lang po sana magtanong.. hindi ko pa nabasa lahat ng comments nagstart lang ako sa bandang simula.. pero I really need help po kasi.. Based on what I’ve read and like most of us here, nakuha nila ang pinaghirapan kong pera yesterday lang Feb. 14 dun sa SM Fairview branch.. ATM Card ko po ang ginamit. at first, ung P48K plan ung binigay sakin, then nung nasa confirmation part na nagbago ang isip ko so na-wave nila un at mababalik lang daw after 30-45 days. tapos nadala nanaman ako sa Sales talk, instead of P48K, ung P22K plan nalang daw.. Na-realize ko na hindi ko naman talaga kailangan to lalo na’t nalaman ko na meron na palang inilaan sakin ang mom ko for insurance. Naubos lahat ang laman ng ATM Card ko, 70K ung original laman nun.. Ngayon pupunta kami dun from work para i-cancel lahat.. Makukuha ko pa kaya ang buong perang nabitawan ko? Please help po, I really need my money.. sobrang pinaghirapan ko un and honestly hindi talga ako mapalagay ngayon.. First job ko kasi and first time kong na-experience ang ganito.. I’d highly appreciate you help guys.. thanks!!
Go Prudential!!! keep on screwing people, its just a matter of time for your company..
Pinagpapala nman ang mga mababait.. Kaya hwag matakot maibabalik din yang mga pera nyo! Promise.
@gie
Don’t worry. Ibabalik din yan ng bank once na maibalik na sa iyo yung amount na nkuha nila sa iyo. ^^
God bless..
want to ask after ko email and fax my cancellation letter to ms ginny, wat will i do? tnx a lot
@ Z
Thanks.. nag fax n me ng letter s Bank ko yesterday lang requesting to charge back all the finance charges applied.. Wait pa ako ng response. Hopefully maibalik dn , sayang dn kc un.. Pera dn un…
i have called yesterday s bank and i was informed binalik na ng PPLIC yunbg denibit s akin..i’ll just wait for the billing statement within this week sabi s akin ng customer service.God is good..For those who have not received their refund pa try to follow-up s main office nila s ortigas.Look for ms. ginny stamaria. She’s the one i have talked with.Or look for Carla for assistance..I’m so thankfull for this site at s mga taong nagbigay ng tips kung panu maprocess ang pagrerefund. And more power to Arpee..
@jing
naibalik na yung nakuha s akin jing…follow-up m na rin ang sau.nd ko pa nakuha yung billing statement ko but the customer service told me na nirefund na yung nadebit s akin..just pray jing..ibabalik rin yun sau..godbless
hi richmond my sister and i will be going to thye main office today. they cancelled my policy lastweek. ill be giving the documents later. if you wan tto join just go to the main office in ortigas. yes maibibigay nila buong money mo. doon ka sa main office pumunta mababait sila doon.
I had the same experience with englightenme..I don’t know kung bakit ganun nangyari sa inyo and I’m thankful na hindi ganyan nangyari sakin. I wish all of your problem will be sort out soon. Hopefully others may not experience the way others had. Actully tatlo kaming kumuha ng inalok nila..so far, so good naman service nila. The customer service through phone man or sa mga branches nila very accomadating naman sila.
@ geigs
nag naku ate.. sabi sakin sa email ni ms genie na that my refund was already sent to the their processing bank.. 7 days daw bago mareflect sa account ko urn refund.. today is the 7th day. i am hoping na mabalik nila today.
and oo. those who want to cancel their plans they better go to their main office and look for ms. genie..
sana mabalik na nila yong pera na nakuha sa cc ko.. and good luck to all.
i hoping that the money will be back today.. since bank to bank process hindi naman tatagal o aabot ng ilang araw or weeks.. minutes or hours lang yan.dba?
hi im just thinking why do others do this kind business if it could not help others?
Or bakit pinapayagan ang ganitong klase ng gawain sa pilipinas?
bakit kayang gawin ng kapwa nyang manloko ng iba?
….its so sad to know this….
wow, I can’t believe na after 3 days ay me mga post na ulit regarding PPLIC….
If you’re familiar with FAMILY FIRST na pre-need company na na feature sa XXX kaya bumagsak…Well lets wait and see nalang if hindi matulad ang PPLIC dun…Anyways…they said inacquire ng PPLIC ang Family First,…dun yata nila nakuha yung bad marketing strategy nila…
I hope maliwanagan sila…Kasi tambak na ang reklamo sa INSURANCE COMMISSION…
And I just can’t believe bakit even 48 hours after u paid ur premium at magpacancel ka ay hindi kagad nila mabalik ung pera…
Kasi ginagamit pa nila as revolving fund…OMG…
@C
Gano katagal nabalik sau ung pera???
di ko pa rin nakuha yong pera.. bakit ganun? tama ba ako na di naman siguro aabot ng ilang days or aabot pa ng week yong bank to bank account? it is just a matter or minutes or hours maybe.. right?
huhuhu.. dont tell me that even ms ginny nagsisinungaling din!!
hi everyone…first of all, happy ash wednesday to you guys….thanks be to God coz finally i already got my refund of 16,800 yesterday!!!!!…tawagan nyo lang palagi and PPLIC…in my case, i called them evryday…cguro nakulitan na sila sa akin kaya it just took 2 weeks for the refund…just keep on praying to God and it will surely be granted….God bless to you all….
Hi guys I’ve been a plan holder of ppl for about two years now, yes it’s true and I just want to share my thought about this issues regarding the company.
The company is facing a lot of complaints from the client, oh well base on the comments here. What do you think guys are the problems? Customer service? The Agents? The product? The company? The clients?
Seriously, as a two year member of the company I may say that I have not encountered any problem yet with the company, a good point for their customer service because I would say that they trained the people to entertain the client’s concern well and they doing it quite pretty.
For the Agents, OH well, how I would say this, they are good in terms of persuading clients to avail their offer, magaling talaga and sa mga nagging clients nila tau ang makakapaghusga dun.
Each insurance companies has almost the same package of endowment plan they are offering,
Well, ppl is 46 years now ang ppl in the business, and I hope will stand strong til the future.
We the client are the answer, we are the key for everything, and all decision is to be made by us. Kumbaga lahat nasa atin, anu man ang decision natin tayo ang may karapatan dun, don’t let other do the decision para sa atin.
Sa mga issues ng company I hope it woule be lessen as well as mga nagcocomplain. Sa mga nagcocomplain. Maybe patience is needed they will attend naman kayo by the customer service.
hahay.. until when kaya ako mag-aantay?
sino bang may alam sa mga banko dito? may alam sa mga money transfer?
pg pumunta b sa main office need na isubmit lhat ng documents? or the cancellation letter first? tnx.
@t Jona.
2 months din yung sa akin bago naibalik kasi nag ka problema daw cla sa banko. Ewan ko lang kung totoo. O baka ginagamit pa nila yung money ko as revolving fund nila..OMG!
@jingjing
antayin mo lang jing. Ibabalik din nman ng bangko pati yung interest sa cc mo. kaya don’t worry. Ganyan din ako noon. Nagalit na nga ako e..kaya sa wakas ibinalik din nila. hehehe.
@jingjing
just wait lang until 10 days. ganyan din kasi ako dati. Sabi ni miss ginny 7 banking days daw pero inabot pa rin ng 10 banking days. basta update u lang lagi sa bank u..
@jem
Cancellation letter muna.. Pero ok lang n dalhin u na rin lhat ng documents mo but be sure na may xerox copy ka rin nyan..
Goodluck guys….
@ C
hi c.. what do you mean interest ng cc?
yong bang binayad ng interest sa bank mo is ibabalik din ng PPLIC? is that it? just want to clarify.. thanks
@ gie
why is it na aabot pa ng 7 banking days bank to bank na nga yan so dapat mabilis na dba?
hahay.. wla na akong magagawa but to wait.. uhm.. 7 banking days is monday to friday.. then monday and tuesday.. right?
so if 10 banking days.. means 2 weeks u nag antay non? tagal ha.. bakit nga ganun?
wait..sabi sakin ni ms stamaria na 7 banking days, bat kang C is nakuha nya after 10 banking days na.. so what if ater 10 banking days di pa rin mabalik…what will i do next?
@ jingjing
hindi ko rin alam kung bakit na-de2lay..Maybe hindi pa nareceive ng bank mo ung CREDIT MEMO galing Bank of PPLIC. But don’t worry, sure nmn yan basta sinabi ni Miss Jinny..
Hi I am Jocel from Cebu,I had the same experience like you guys.last sunday Feb.14 ,2010 when I am in SM city mall cebu
Hello Guys pahiro tayo ng experience dahil muntik na rin akong maluko nong febuary 14 nasa SM mall kami nang asawa at mga anak ko bigla nalang na may lumapit sa amin na bading at nagtanong kung gumamit ako ng cc ako naman ang honest sinabi kong yes dahil magaling manloko sabi kasi pag nag use ako ng cc may promo daw sila pwede daw na manalo ako ng brand new car and 10 thousand USD hinila ako ng bading sa second floor dahil daw may interveiw 15 minutes lang daw pag tapos ng 15 mins.sabi ni Jona ang nag interveiw sa akin another 45 mins.sabi ko gusto ko nang lumabas dahil ang asawa kot anak nasa baba tapos ayaw pumayag nila pag tumayo ako sa upoan may dalawang babae at isang lalaki na gustong pumigel sa akin tapos panay interveiw about my personal life ang sabi ko ano ba talaga ang kailangan nila sa akin sabi wag daw ako matakot dahil wala daw mawala sa akin tinanong pa nila kung magkano ang limit ng cc ko sinabi ko pa ang totoo dahil hindi naman ako tanga na ibigay ko sa kanila ang card ko para i swipe nila…alam kong gusto nilang manluko dahil turoan kapa kung ano ang i answer mo sabi yes lang daw ang i answer ang sabi ko ano ba ang question bakit gusto nila na mag yes ako sabi sabihin mo muna na yes sabi ko i said no gusto ko nang lumabas sabi hindi pwedi dahil tinanong daw nila ako sa labas kung deal naba ako sabi ko daw na deal din I told them yes i said that because the question is you want to win a brand new car then i said yes sino ba naman ayaw manalo na brandnew car hindi naman nila sinabi na magbinta sila ng insurance.kung gusto ba naman nila mag binta ng insurance bakit hindi sila magsabi ng totoo sa tao tapos sabi pa na gusto nila i swipe ang card kung ok paba hindi ako pumayag hindi naman ako tanga na bastabasta nalang madala nila pero hindi rin ako uminon na kahit anong alok nila baka may hypnotize pa ako katulad nang iba siguro pinainon sila ng kung ano yun kaya sila napapayag.gusto pa niya mahiwalay sa akin ang bag ko sabi ilagay mo yung bag mo sa bakanting upoan sabi ko ayoko nga tapos sabi yung kamay mo ilagay mo sa misa ayokong makinig sa kanya nagtaka ako bakit dinidiktahan ako kung anong gawin ko sa bag ko sabi pa wala namang i million na mawala sa bag ko hindi lang nila alam kung anong laman nang bag ko.tapos kahit malapit na malapit na ako sa kanya hinihila pa niya ako gusto bang malapit na malapit sa kanya…tapos ang nasa isip ko nag prayed to mama mary and santo nino dala dala ko ang travel image ni sr santo nino…sana lang mahuli na yan sila para wala nang maluko pa nila kawawa naman ang iba na naluko nila.sana kung gusto man nila na magkaroon nang magandang trabaho wag ganyang trabaho ang pasukin nila dahil naniniwala akong may karma babalik din sa kanila ang ginawa nila sa mga inusenting tao.
Hello everyone,
My sister was also victimized last Monday at SM City Iloilo City. P9,835 was debited in ther savings account. (atm) . On tuesday, she returned to withdraw her application. She was required to write a letter of withdrawal and was received by 2 customer service staff. Her OR and polcy contract were required to be returned. What she had was a copy of the statement of account with no signatures and a copy of the letter of withdrawal.
Yesterday, I accompanied her to get the OR and copies of the policy and other documents. At first, they would not give but we had a heated argument and they gave us photo-copies and a certification of withdrawal stating that is being processed for cancellation and it will take 30-45 days before the money will be returned to my sister’ account.
Last night, i have plans to contact the head office but I decided to search the internet and i found that they have many victims and it is a scam. I am now doing actions re this scam. I contcted the PNP for police blotter, I am now contacting the prosecutor’s office and commission on human rights and nbi to form a team of investigators. i am also contacting SM City Management to ask them to have some actions and not to tolerate this scam of one of their tenants. Pls. inorm me if you have received your money back within the period stated. I will keep u informed of the actions done or to be taken.
God bless everyone.
@ Jocel, saktong sakto katulad din nyan ung nangyari sakin.. sa SM Fairview branch naman ako.. Nung Feb. 14, manonood lang sana ako ng movie eh hinarang ako ng isang agent nila tinatanong kung nagtatrabaho na ako, nung nalaman nilang taga-Convergys ka talagang hahatakin ka nila.. sabi sakin may chance na manalo ng Brand New Honda City tsaka P800K worth of cash.. walang fees basta maglalaro ka lang.. eh ako naman syempre kung wala namang mawawala why not diba.. tapos ayun dinala na ako sa main office nila: Danvil/PPLIC, tapos sabi bago daw ako makakapaglaro ay kailangan munang i-introduce ung Company sakin which will take just around 30-45 mins.. eh ako kasi first time nangyari sakin toh sa buong buhay ko kaya go lang ako wala akong clue.. di ko alam na pwersahan ka pala nilang pagbebentahan ng insurance.. sa una dadaanin ka nila sa small talk, tapos magsh-share ng mga kwento sa buhay hangga’t parang magiging ka-close mo na talaga ung Sales agent.. tapos honestly ung mga terms nya parang nag-iiba na masyadong nagiging complicated.. parang sinasamantala nila ung ignorance mo sa ganung bagay kasi malakas ang chance nila makabenta kapag ganun.. ayun, tinanong ako: “Kung bibigyan ka ba ng chance na makapag-save ng pera ngayon, papayag ka ba?” sagot ko naman syempre oo, tapos tinatanong magkano laman ng atm card ko.. ilang beses akong umayaw hangga’t na swipe na nila at nakuha ung P48k.. sinabi ko ayoko na at kung pwede bang ibalik ung pera.. kinausap na ako ng Supervisor at parang sila pa ang galit kung bakit hindi ako pumapayag.. tapos umaayaw parin ako, ngayon ung Manager naman ung kumausap sakin.. masyado na akong na-pressure, so napapayag nila ako sa mas maliit na plan, instead na ung P48k eh P22K nalang daw.. ubos lahat ng laman ng ATM card ko.. tapos kukunan ka pa ng Customer Relations nila ng Video na interview kung masaya ka ba sa decisyon mo… 2 beses akong umayaw tapos ibinalik ako sa manager hangga’t na persuade nanaman akong pumayag.. umuwi akong parang hostage.. mantakin mo from 6pm hanggang 10:30pm ako dun sa office nila.. kinuwento ko lahat sa mom ko, nainis at nagalit sya.. ba’t daw ako nagpadala sakanila at hindi ko alam na meron na pala akong insurance plan na sya ung nagbayad para sakin so hindi ko na kailangan toh.. bumalik kami after 2 days, nagsigawan kami dun kausap ung Customer relations manager.. hangga’t na napapayag silang magbigay ng refund at mabuti’t full amount.. kaya lang 30 days pa daw makukuha..
@jingjing
cc is credit card account. Ang banko ang magbabalik noon once na maibalik na nga PPLIC yung money na nkuha nila sa iyo. Kaya don’t worry. E follow -up mo lang parati ky ms. ginny. ^^
Anyone here, who got the same reply from MS. GINNY when you emailed her regarding cancellation.
My friend Krista got this reply:
Good Day Ms.XXX-!
Thank you for your email today.
Please be informed that your refund is currently being processed.
I have already conferred with our Finance Incharge to do their best to hasten the process.
We do understand your predicament and we will see what we can do to assist you on this matter.
You will hear from me again after I get feedback from our Finance Incharge.
Best Regards,
Ginny L. Santamaria
I think she’s doing her best, but lets just all pray that the company does the necessary refund. I mean the earlier you cancel, same us you get your refund. But I think this just applies to those na kagaya ng friend ko…hindi ganun ka pinag-isipan ang pagkuha ng insurance plan.
I believe that all the insurance companies, go by the mandate to serve the people…
It’s just that there are certain strategies and situations that affect the credibility of the company.
If people from PPLIC are reading this blog. Maybe you guys need to be enlighten… An agent’s misrepresentation or unethical practice kills the image of the company.
I can’t help but pity the company, kc all insurance plans are designed na umalalay sa mga tao sa panahong kailangan nila ng assistance…
But not in this way, If you guys want loyal clients…make them believe in your capability to insure your clients future.
Don’t just convince them for 45mins and half saying good words that mislead them to your company’s ideals… Give them chance to think things over and not ask them to sign immediately…don’t put force (too much persuassion) yes…its a common practice among other insurance companies…but be different … create your own image and build trust and credibility to client. No one knows the how long the company will exist…its the same predicament most of people in this blog felt. But yeah like PETE said…the clients are the ones who ensures the good business environment for the company. Love and take care your clients coz they’ll give it back. What you do to others…is what others will do to you… law of KARMA… Plant good things and it will also bore you great things.
Simple principle that you guys hopefully won’t forget. To my fellow insurance agents(to all of u), don’t try to lose your good morals over getting your quotas, commission or promotion. Don’t work your asses in serving a company that wouldn’t give you great opportunities, but opportunities to get against people.Its bad and will get back to you. Up to this moment, my friend Krista hates those agents that deceived her.
DONT LET ANYONE HATE YOU BECUZ UR JUST DOING UR JOB.
LET THEM LOVE YOU CUZ UR SERVING THEM THE BEST THAT YOU CAN
*** GOD BLESS EVERYONE***
*Maybe you guys need to be (enlightened)— ERRATA
Utang na loob PPLIC…Itigil niyo na ang balak niyo na pagtatayo ng branch sa SM LIPA para dumami ang mga maloko niyo. Hindi kayo papayagan ni Gov. Vilma sa mga plano niyo na makapanloko….Unless magbago kayo ng strategy para makabenta ng plan niyo.
@Ayen
Let’s not judge what PPLIC-SM LIPA would do in targeting clients…
Baka naman maiba sila.
Or they can establish a new way of building clients.
Calm down …God is always with those who believe in HIM.
Can anybody help me? I had the same case last October 30, 2009 at SMCT, Iloilo. Naswipe sa akin was the amount of 96000 as initial premium. 7 days after, I returned to withdraw sana but they won’t allow me to do it for a lot of reasons. Then they downgraded the premium to 50%. Would I have the chance to withdraw or cancel this? I would really appreciate it if you can extend me the help I need. Thanks.
@ CARLO
Magpatulong ka na lang sa INSURANCE COMMISSION (pubassist_ic@yahoo.com.ph), Try to email them.Tell them kung ano experience mo. And ask for their assistance to cancel your policy. indicate all the details of your insurance sa email mo. You can get full refund pag naayos mo yan.. Grabe, anlaki ng money involve sau.. Goodluck po…
@ gie, thank you po. where should i complain or send my email or fax first? sa INSURANCE COMMISSION or sa PPLIC? Main Office (Manila)? or just here at sm iloilo? i need more advice PLEASE. nalilito na ako. i can’t even sleep na. worried na worried na po ako. email me at carlolopez63@yahoo.com. thanks again. God Bless you.
@ arpee, thanks for this site. sayang nga lang at ngayon ko lang nabasa ito.
I was able to avail sa PPl a few months ago..I cancelled the plan due to affordability, yun po yung reason ko why I cancelled the plan. The process was smooth, no hassle and naattend naman ako ng customer service nila properly. I just called their hotline then after nun they guide me what to do about my request. After I’ve done and provided the necessary requirements my request has been granted. Sabi I have to wait for 30-45 working days and that’s what I did. Ang totoo nga nyan hindi nako nkapagfollow-up sa kanila because I’ve been busy. I just found out n nabalik na pera kung when the billing statement of my credit card came. Then binilang ko yung days before nabalik sakin..it was less 45 working days compare for what they said to me. I can attest na they keep their word. pag sinabi naman nila ibabalik ibinabalik naman nila,
Sa mag naghihintay ng refund nila. just wait for it kase ibabalik naman nila yun basta sinabi nila na may refund ka. Wag po kayo magmadali although naiintindihan ko na mabilis na nakuha yung pera, na experience ko rin naman yun,,syempre may mga dinadaan din naman yun..lahat naman di ba, hindi lang naman dito sa company na to. dito rin sa trabaho ko, kahit hindi insurance to may mga pinagdadaanan talaga, syempre may mga papers rin yan…
sa mga naghihintay na lang.. pasalamat na lang po tayo kase may hinihintay pa tayo..Buti nga may hinihintay kesa naman sa wala..right?hehehe..so patience..and believe to them.
hay naku.. exaggerated yung iba dito kung magcomment,,makapagcomment lang..possible pa siguro yung sinasabi nila na hiniram yung credit card nila. Pero yung nagssasabi dito na hindi nila kayo pinapaalis sa ng office nila at umaabot kayo ng ilang oras dun..utang na loob ha..kagustuhan nyo yun kung gusto nyo yun kung nagstay kayo ng matagal dun sa office nila..anu un pinilit kayo magstay dun? dinikit ba nila pwet nyo sa bangko kaya indi kayo makaalis..hahaha..una pa lang kung gusto nyo na umalis dun..sus.. wla sila magagawa dun..you decided to stay there that long tapos ngaun..sasabihin nyo na hindi kayo pinaalis..nakikigaya lang kayo ng comment eh..
@ mira, it depends kasi sa Personality ng tao eh lalo na sa mga tao na mababait at mahiyain specially kung ingorante sa ganitong proseso ay mahihirapan talagang umalis dun.. Di naman tulad ng mga walang etiquette at aalis ka nalang bigla after you’re given the chance to WIN diba and first time mo ma-experience ang ganitong bgay. tsaka para ka kasing naka-HOT SEAT once andun ka na eh. ung friend ko kasi nangyari din sakanya toh.. sa strategy kasi ng mga agent dun na kakaibiganin ka talaga, then syempre mahihiya ka na umalis naman bigla na parang hindi tapos ang usapan nyo at di ka pa naka-hulog ng Raffle Ticket mo or played the game. Akala lng nya is maglalaro ka then you’ll have d chance to win either a car or $10K but you won’t get the chance to play unless matapos ung sinasabi nilang “P45 mins” na “INTRODUCTION” lang daw sa Company. Tapos titirahin din nila ang ego mo kapag na-sense nilang umaayaw ka na talaga specially kung fresh grad ka and new sa trabaho mo, na your “OLD” enough to decide on your own.. Bottom line is maganda naman talaga ang offer, pero wag naman sana in a way na minamadali ung tao na bigla bigla mag-decide at hindi na binibigyan ng chance maka-isip muna. kasi syempre malaking pera din ang pinag-uusapan. Katulad nalang na ituturo nalang sayo ung mga pipirmahan mo na papers w/o even taking the time to fully understand and read all of it. ung Ordeal na naiiwan sa mga customers ay hindi magnda. may iba hndi nakakatulog kasi hindi palagay sa nangyari. may iba hindi nkka-kain oh nag-ssacrfice pa ng time nila para lang bumalik at magreklamo, specially kung may office hours sila na work. Para sakin, halimbawa lang na ikaw ang sales agent knowing/aware na may mga Customer na ganun or may mga chances na mangyari ung mga ganito.. sana di mo na ituloy ang pagbenta or give the customer a chance to think it through kasi ang tendency is babalik at babalik din sila para magreklamo o kumuha ng refund once they had the time to realize it pero huli na’t nakuha na ang kanilang pera. Halimbawa let them consult their family and friends about this process, give them like a week or so before mag-decide and give them your number incase they made up their mind.. Diba mas ok sana kung ganun? Let’s say you can’t really expect all NEW CUSTOMERS specially the ones who never did care about INSURANCE PLANS to understand the benefits and how the process works diba.. Iba din sa mga taong in need or GUSTO talaga nila mag-apply for Insurance for their own personal reasons at mostly wala ng problema sa pera. Pero I believe this is not applicable to everyone pero dinadaan nyo lang talaga sa Massacre Marketing nyo. sakin lang, once the Customer complains and doesn’t like it, wag nang pilitin. kaya nangyayari ang mga bagay na toh eh.
nacancel ko n rin ung policy ko.pumunta ako sa main office sa ortigas. kc nung sunday pinapacancel ko na sa sm pamp ung policy ko, tpos sbi nung agent, hnd ko na daw mrerefund ung nswipe skin, tpos if ever daw na ipacancel ko dhil sa cnb nilang ichechek lng daw if approved ung cc ko, e bka masuspend daw cla or mawalan ng trabaho, e xmpre ako nmn ayaw ko din nmng mawalan cla ng trabaho, d ko n tinuloy pgpapacancel ko,n den sun night ngsearch ako sa net at ito nga ang nkita ko,d lng pla ko ngiisa,kaya i decided na pumunta na directly sa main office nla to cancel my policy.aun, cnancel nmn nila and il be waiting for 30 days din to get my refund..
@ jona
yong sinabi sakin ni ms ginny is naforward na daw nila sa processing bank yung refund ko and antay ako 7 banking days bako mareflect sa account ko yong refund.. guess wat? until now la parin.. feb 9 ang sabi nya na nasa processing bank.. are they telling this to make us calm? always checking the account for the refund but i was checking for nothing..
@ C
i didnt receieve the refund yet. count the days from feb 9 until now. ilang araw nba yan.. tagal na dba?
grabe ang mga effects because of the delayed of the refund that ms ginny told me.. been crying many nights, and so sad dahil lang sinsurance plus the delay of the refund.. it has bigger effects on my future family.. i lost the trust of the person i love. and there is possibility that i will not have him anymore..
siguro maiintidihan nyo kung bakit ako nagmamadali sa refund.. sana pag di din pala mabalik nila sa akin last tuesday eh di sana di nag expect yong husband ko nong tuesday. eh di sana last week of fef parin ung chance ko na binigay nya sakin..hanngang ngayon la parin ang refund.. kaya galit na galit sya.. nawala nya ang tiwala nya sakin.. i lost his trust but the worse thing that might happen is baka mawala din sya sa akin..
di ko maexplain lahat dahil personal na..basta may pamilyang pwedeng masira dahil lang sa insurance and sa promise ng costumer representative nila na di tinupad..
@ Jing
Yan din ang hindi magawa ng best friend ko na sabhin sa mama niya ung tungkol sa insurance. Becuz her parents might lose their trust on her. BUT that’s life, minsan we make mistakes…becuz we wanted to do something for other people. Most of us commenting here, like insurance policies kasi it has benefits for us and to our love ones. Yun nga lang we were hastened by the process, to get the plan in 2 hours. I hope you and your husband’s relationship be strengthened with this problem. All things will come good if we hoped for it and we’re doing something about it.
@Mira,
Gurl… you must respect other people’s opinion and experiences with PPLIC that they shared in this blog. You can’t say people here are stupid for letting their cc or atm card be swiped…pero siyempre it depends on certain situations and factors.
(that most people here described…affected their decisions and analysis against PPLIC persuasion* or marketing strategy)
@ Chirs- Okay..nandun n tau, kinaibigan ka ng mga agents that made a client decide to stay…so sino pa rin ang nagdecide?diba client pa rin? it was the client choice to stay, sabihin mo man dahil sa proffesionalism kaya ka nag stay or respect sa kausap mo or nagpepresent sau..still it was a decision by the client? sana nagegets nyo point ko…marami kasi dito nagcocomment na “hindi” sila pinaaalis, or ang tagal nang presentation or whatever, but may umamin ba dito na ngustuhan nila kausap nila kaya sila nagtagal? na dahil sa pakikipagusap nila or pakikipagchikahan nila sa agent kaya sila tumagal? wala diba? anu kaya dahilan? kasi nababasa nila dito nirapport sila or natagalan sila dahil sa kung anu anung dahilan,,ginagaya na lang nila..may dagdag bawas na kumbaga..pero ang totoo hindi naman ganun nangyari sa kanila…Eto pa,, the fact na nagmamadali ka,,bakit ka papapigil sa kanila diba? it is a very good reason, or gasgas na ngang alibi or dahilan para makaalis ka isang sitwasyon na ayaw mo, bkit ka pa rin nagstay? Sana umamin din yung iba na nagstay sila dun dahik kagustuhan nila not because pinigilan sila diba…
@Jona–hi,,pleaese read my comment again if I said people here are stupid. after i read my comment again, I was not mentioning about the cc or atm swiping so I believe your comment was not for me.
to all!
huwag nman sana kayong magkainitan dito kasi opinion nyo lang ang lahat na andito..nku hwag ganyan kasi hindi kayo mkatutulog nyan ng mahimbing..hehehe.. Peace at magtulungan nlang kaya tayo.. Pwede? ^^
Just tonight one of Prudential Life agents approached me and she told me I had a free gift a bag or tumbler bec. I had BDO mastercard. And I was escorted at there office and she told me that there will be a seminar for 45 mins. after that I could play there slot machine and she gave me a raffle ticket. One thing I notice is that once you entered there 45 mins. seminar is that they will pressure you to join there Insurance and after that they WANTED TO SWIPE YOUR CREDIT CARD! Good thing for me I’m a very wise person and I’m not easily pressured. I told that agent even if it is a simple insurance I still need to think twice and SHE’S ANGRY! I was like WTF! In the end I get to play there raffle and slot machine and I got a FREE bag!
YEPEEEEE!!!!!!! I WON they LOSE!!!! They didn’t get to SWIPE MY CREDIT CARD!!!!!!!!!
FUCK THOSE PEOPLE!!!!!!! SCAM!!! KISS MY ASS RETARD SCAMMERS!!!!!!!
@ giegs
guess what, la pa rin ang refund..
wow, ilang days or baka aabot pa ng weeks ako mag aantay sa refund..
di na nga nagreply sakin ung tga prudential kasi lagi akong nagtatanong sa refund.. d nagreply kasi la pa ang refund.. imagine it.. from 7 banking days they said umabot na ng 10.. at hanggang ngayon la pa rin.. so 11 days na tom..
@jingjing
Ay naku. kagaya din cguro yan sa akin. umabot na ng 60 days yung sa akin.
Baka my mali na nmn sa pag process. ganyan din yung sa akin noon e.
Basta ibabalik din nila yan sa iyo. Don’t worry.
Mira,
If you had a very good experience with them, then let it be but don’t criticized others of their experiences since this does not involve hundreds of pesos only. I hope you will not be victimized sooner or later so you would understand their feelings.
Do you know that the signature of their President and CEO are not the same in 2 diferrent documents? ( Official Receipt and on the Policy Data Page) I am referring to
Philippine Prudential Life Insurance Company. I hope that somebody could inform or ask Mr. Mercado if he is allowing somebody to sign his name in a different stroke or signature? I dont even know which of the 2 signatures was forged. At any rate everything will be clarified if a proper invesitgation is done.
oo nga, grabe ang mga hayup na yan mga manloloko hihiram lang ng credit card tapos swipe nila agad makakaltasan ka na agad ni di man nila agad sasabihin sayo samantalang hirap na hirap ka nga mag bayad sa card mo ayaw mo lang masira ang record mo sa bank kaya tiis na tiis ka sa pagtitipid at for emergency lang ang paggamit tapos lolokohin kn nalang dun nga sa lugar namin piso lang pinapatay na mga tao eh kung sila kaya patayin magamit kaya nila yun mga lintik na insurance nila….sa hirap ng buhay ngayon pangogoyo ang inaatupag nila buti pa yun pulubi sa kalsada parehas lumaban nagtratrabaho ng maayos mabuhay lang d katulad ng lintik na insurance na yan para lang mabuhay nanloloko…
to C
sabi sakin na nacheck na daw ng tga PPLIC na nasa account ko na raw ang money yesterday pa.. pero until now la prin ngreflect sa account ko ang refund. di naman siguro nila sasabihin na may mali sa pag process.. bakit ba, nong kinuha nila ang pera natagalan ba at sinabi nila sa atin na di nila nakuha ang pera kasi may mali sa pagprocess? di naman diba..ang mali lang is kung bakit tagal mabalik ang pera.
but i am hoping na ifollow up nila ang bank tomorrow. i mailed them again today to inform na la parin ang refund.. sana gawan nila ng paraan.
magaling lang talaga sila kaya nadadali tayo, yung sakin nga kahit na sinabi ko na tama na talagang pinilit nila.. yung nangyari kasi first swipe nila hindi naaprove ng cc ko ksi nga over na sa credit limit ko so sabi ko sorry cancel na lang pero sinubok ulit medyo mababa ganun prin nangyari reject ng cc kaya i told them na tama na yan d talaga pwede nung kukunin ko na card ko ayaw pa bigay at nagpumilit na last na lang raw then d pa nga ko sumagot ay na swipe na agad 6k ung nakuha….. yung point ko lang ay sabi nila pag na reject yung cc mu ay isa ka sa mga minalas…..talagang minalas ako kasi talagang pinilit na maka-deduct sila sa cc ko…. pero npa cancel ko rin agad… ngayon maingat na talaga ako. tnx sa mga comment nyo malaki ang natulong skin..
what the F***! sino bang pakapagsabi sakin sa vaild na dahilan na wala pa rin ang refund. sabi sakin ni ms ginny stamaria na posted na daw ang refund after checking it sa kanilang financing office at icheck ko sa account ko ang pera..monday pa daw. wow.. ginawa nila akong tanga.. pinapaasa.. tanga na nga nong naloko nila ako, tanga pa rin na nag aantay sa refund.. tatawagan daw nya ang bank kung anong cause ng delay? delay delay pa, eh bat sinabi pa sakin na nakapost yong refund.. ay naku! bat ba di pa sila nakunan ng lisensya.. dami na nilang niloko..
@mrs. bagolcol.hindi ko kinicriticize ang ibang nagcocomment dito..im just stating a fact na ung iba dito exaggerated ang mga comment na hindi naman talaga nangyari sa kanila..dapat magpakatotoo sila…about sa different stroke ng signature nung president why dont you go to their office and ask them bakit ganun..?
to comfy..try to call your credit card company if nagreflect na sa account mo..ganun din kasi sinabi nila sa akin eh..wala pa kasing sakin na billing statement so i called the cc company and verify if nagreflect na..to na naghihintay..magrereflect sa billing statement nyo ung amount may nakalagay na negative which means nabalik na pera. Napahiya pa nga ako eh kasi dumating billing statement, nakita ko pa rin ung amount tinawagan ko sila at nagreklamo..yun pala hindi xa tatanggalin ng cc company..they will just put a negative sign dun sa amount.heheh kakahiya talaga. kala ko kasi dapat wala ng magrereflect na amount sa billing. oh well at least may alam na ko..
Mira,
How did you know na hindi sila nagpakatotoo? Doon ka ba ng mangyari yon sa kanila? Kasama ka ba nila at nalaman mo na hindi cla nagpakatotoo? Oh, yes, If only im in manila, i would surely go to their office and personally ask the president about it. Anyway, its not your problem naman e. I can take care of this. I just want others to know the facts as it appear.
@jing
I got my refund already last Feb.8,2010. I e-mailed Ms sta Maria and talked to Carla before I get my refund. check your bank jing. I think it is true na binalik na yung money kc ganun din cnabi nila s akin b4 nabalik yung pera.Follow-up m lng s bank.natanggap ko na yung billing statement ko and it appears there na nirefund n yung nadebit s akin ng pplic.
@ geigs
i think so.. my husband checked the account. we are not sure yet if yong pera na nedebit sa account is from PPLIC or galing sa friend nya na humiram sa kanya.. di pa kasi makita ang source.. in 3 days cguro.. thanks ate ha..
grabe ang dame na pala nilang naloko..tuwing na dadaan ako sa supermarket sa SM nahaharang ako ng mga agents nila.. ask kung may CC OR ATM. sagot ko palage WALA kahit meron ^_^ dahil alam kong bebentahan ka lang ng kung ano pag cnabe mong meron..one time nasabe ko meron dhil saktong hawak ko ATM ko nun kakatapos ko lang mag withdraw, kasama ko pa mom ko dun.. pagkasabe mo palang ng Yes, inabot nya na agad nung bading na agent ung Free Item. tas fill out lang daw ng form then may chance kna manalo ng honda car at ng $10K, o db cno ba nmn ndi tatanggi kung ganung mag ffill out ka lang ng form e may chance kna agad manalo,, sabe ko pa dun sa bakla nung andun palang sa baba e : “lam ko na yan “becky” (tawag ko dun sa bakla) bebentahan mo lang ako ng kung ano man pag sumama ako sau sa taas “. sabe nya ndi daw.. papakilala lang tlga daw ung company at WALA KANG OBLIGASYONG BUMILI NG KAHIT ANO. napakasinungaling pa nila, 45 mins lang daw iintroduce lang daw ung Company kz daw wala daw pambayad para mag commercial 0_o e sus grabe halos 3 hours ata kame dun sa loob sa kakaexplain nung consultant about dun sa plan. ang tlga irreason out nila sayo kung bakit need mong i grab kuno ung ONLY chance daw na makapag save sa kanila e kung ano ung pipiliin mong pinakaimportante dun sa last part ng form na mga DREAMS mo. ang problem tlga e likas kz sating mga pinoy ang magalang at ndi balasubas na khit gusto mo na tlgang umalis e ndi ka makaalis kz salita pa ng salita ung consultant. hay buti nlng di tlga aku napapayag.. natalikuran ko nlng tlga ung consultant kz nagalit na ung Dad ko, lalapit pa sana ung manager nun kaso mablis na akong umexit ng room nila!
God bless po sa inyong lahat. Sana makuha nyo lahat ng kinuha nila sa acct nyo. at para sa mga makakabasa neto.. para ndi po kau magkaron ng ganitong problema tulad ng iba nting mga kababayan…wag po tayong magpadala sa mga “FREE” kuno dahil po sa panahon ngyn marameng manloloko.. Mdali po tayong nadadala sa mga panloloko nila dahil mahilig tayong mga Pinoy sa “FREE”..aminin natin na nagsimula ang lahat dahil gusto ntin makuha ung “FREE ITEM” na pinamimigay nila hehe
REMEMBER : ISANG MALAKAS na ” WALA” ang isagot natin sa tuwing may magtatanong ng ” MAY Credit Card or ATM NA PO KAYO? ” ^_^ O_o
Mira, Please read all ur post. Before commenting on mrs. bagolcol
Hi Yeza,
Wow your great!
Atleast you know how to say NO. Those people that are victimized by PPLIC, are just attracted to the idea of winning something/ by just investing 45mins in a short talk about the company. The problem is, they were coursed thru a situation and environment wherein they can be pursued easily, not thinking of the consequences.
I just PPLIC would be able to realize… alot from this Posts….
You don’t win by cheating people.
You lose more by doing such.
Mr. Mercado:
Start cleaning the company! Start with changing your marketing strategy! Give your people some dignity! Don’t make them fool people just to sell insurance and make company profits. In the end it’s your loss… !
To the Customer Service of PPLIC:
Try to tell the truth when you are giving refunds!
Mas mahirap umasa…lalo at kailangang-kailangan ng taong yun ang pera
Correction:
I *hopePPLIC would be able to realize… alot from this Posts….
Also, I wish wala nang dumagdag na sumbong sa post na ito, kundi updates nalang regarding sa pagkuha ng refund.
Kasi if this problem still exist, hopefully the Insurance Commission do some stricter actions. But they’re really helping a lot. The “15 day look” in period attached to the policy document is important. Mabilis kasi ang naging proseso para mapakuha nila ng isang tao ng plan like 45 mins – 2hrs (or hanggang sa pumapayag ka at mag-sara ang mall) Kaya naman if you guys want an early refund, cancel within 24hrs, kasi hindi pa xa nagrereflect sa account, your bank can revert back the money to ur atm/cc card.
Oh well, I welcome comments vs. comments.
I’m just here to help.
tulungan nyo nman ako.. feeling ko hinoldap ako khpon.. d ko alm ngyari skn bkt nila ko napapayag mgavail ng mga gnyan2 nila. 37,556 kinaltas nila skn khpon feb27,2010. gustong gusto ko n icancel ung contract. please help me. ano b una kong klangang gwin? eto po emailad ko gela_e20@yahoo.com
ako din na biktima nila sa sm north Feb 24, 2010 php39,971 ang nabawas sa cc ko, ang ginawa ko pina block ko ung cc at pinapalitan ko ng card number, para dna sila makakuha pa, kc meron pala ako pinermahan na auto debit every month until 5 yrs, dko alam paano nangyari, same thing try lang daw if ma approbahan, kso d naman sila nag call kung d swipe ang ginawa. pina cancell ko policy ko wala pa 24 hours, andun na ako sa sm north, tpos nag fax ako sa main office ng cancell request. kaso sabi ng main kung saan branch daw ako nag sign ng contact dun ako mag pa cancell. d ako pinansin ng tao sa harapn kc 1pm pa daw ung incharge, so wait ko, until na dumating nga sila, sabi ng kausap ko, pag i cancell ko daw wala daw ako makuha mas lalo daw ako mawalan, nainis ako sabi ko cge if d nyo cancell sana makatulog kau sa ginawa nyo, sabi oo daw nakatulog sila kc matagal na nila gawain un. tpos iniwanan nila ako, tpos may lumapit na isang guy sa akin, sabi help daw nya ako para may makuha man lang ako, gawa daw ako sulat na ibalik ung half, isip ko naman cge atleast kahit half may makuha ako kay sa wala, ung document na binigay sa akin, type of ammendment is downgrade half will be back to my cc pero after 45 days pa daw. sayang ung 19,985 nawala sa akin, dko alam kung paano ko bayaran ung cc ko. meron pa ba ako pwdeng gawin para mabalik ung half? wala ako copy ng policy nasa kanila pa, thank u so much po in advance.
nangyari din ito sakin kahapon lang sa sm megamall napapilit nga ako bumili paano po ba ito mapapa cancel? di biro yung natangay nilang pera eh. Taga bulacan ako eh niyaya lang ako ng jowa ko tapos pag dating namin dun nilapitan na kami ng isang lalake, nakakainis tlga sila di kami tinigilan napapilit tuloy kami pumunta sandali lang naman daw yung raffle, pero pagdating dun may 45 mins pa daw para makita lang namin yung company nila tapos nun binentahan na kami hindi naman namin kailangan pero parang ayaw talaga kami paalisin hanggat di pumipirma naaawa na ako sa jowa ko 2 oras na kami nandun eh napilitan ako kaya pinirmahan ko nlng, 47k din yung nakuha nila sa cc ko. Dapat i report natin yang mga yan sa SEC hindi na tama ang pagbenta nila. kinakawawa ang mga tao na walang kamalay malay, tulungan niyo po ako.
@ella
I just want to advice regarding of your case. Go personally to their main office in Ortigas and look for MS. Ginny Sta. Maria. Discuss all what you want and your reason why you wanted to cancell your policy.Just talk in a nice way.She’s nice naman eh.pagdating m doon look for ms carla to assist you.MAke sure na you have a cancellation letter with you 2 copies.receiving at copy nila then ask for the cancellation of policy galing sa kanila. They are the one who will provide it.Make sure na you have the copy of all the docs before you submit it to them. Tell them na naicancell m yun b4 24 hours.If you have read the upper portion of these posts yung draft ng cancellation letter of RAsh rasid would be a big help to you.MAke sure na you will talk MS Ginny sta maria. Sya ang makatulong sa you. Godbless!
From what i have read from all the comments PPLIC is not that bad of a company. They just used a different strategy. We all have to understand that we live in a harsh world and that we all have to eat. We can’t blame these agents for trying to put food on their families table. Remember this quote “Be kind to everyone for they are fighting their own battles.” These people did not trick you. they showed you a presentation that YOU liked. YOU bought the plans they just offered the paperwork. YOU signed them. Now if you believe that your money was not well spent they offer the possibility of cancellation of the plan BUT if you firmly believe that IT IS a GOOD Investment then by all means don’t. Let me end with this we cannot see the future, we cannot say when we get sick or die at the worst but isn’t preparing for the inevitability a good thing. If you believe in fate then maybe those people selling insurance policies are acts of God. Maybe they are there to prepare you for what will happen. Maybe those plans will be useful if something tragic happens to us like Ondoy, Haiti, or Chile.. think about it..
@ Anton
Alam nyo po kung ayaw nyo po manalo sa raffle hindi kayo mapapasubo. Pero a ng katotohana gusto nyo tlga manalo ng kotse kasi kung hindi Umalis na dapat kayo nung ipapakita nila ang presentation tungkol sa companya nila. Oonga hindi biro ang 47K pero ang binili mo makakatulong sainyo balang araw. Intindihin mo na ang buhay hindi tungkol sa ngayon lang, tungkol din to sa mga posibleng mangyari sayo in the future. Tama ung sinabi ni Bert pagisipan nyo nang maige.
Hi Giegs,
thank you so much for your advise, I will follow up my cancellation request dated Feb 25, 2010 to them, I faxed it same day, ung staff pa ng SM north Edsa branch ang nag fax, while kausap ko ng Jerf of Jeff sa main office, wala kc c ms Ginny that day, sya ang nag sabi kung saan daw ako nag sign ng contract dun din daw ako mag pa cancell, maraming salamat sa nag post, mindyo mabuhayan ako ng loob.
Bert: okay lang mag ipon, un ang sabi ng girl na nagpumilit hiramin nung card ko, help daw nya ako mag ipon, pero now mababaon ako sa utang ca cc, paano ako makaa ipon nyan.
I just experienced it myself today, i received a text message from them and that i won a lifetime insurance, with datamex educational plan that is transferable, when i asked them how they got my number, they just said that from a referal, but they dont gave me the name who refered me. they invited me to there office instead… lolz
Agree ako sa sinabi ni Bert at Samantha. Hindi naman kasi ang insurance naman ay para makatulong in the long run. Basta lang dapat ok yung companya na kinuhaan niyo at stable sila, I think Philippine Prudential Life Insurance Co. naman is ok eh, maybe you can call their main office para ma reassure kayo or try asking the Insurance Commission if they are a legitimate company and if they are financially stable.
@ella: I think you should really call their main office if you have any questions about their product, I’m sure they could help you out.
@ jona? I’m full aware sa lahat ng comment ko and i stand for it.
@mrs. bagolcol. you would notice naman sa ibang nagcocomment dito kung talagang ganun nangyari sa kanila or nakikigaya na lang or nakikiayon na lang sa nangyari sa ibang tao..sabi ko nga “yung” iba may dagdag bawas na sa comment nila…
the thing with comments is that people do tend to exaggerate a little only because their fears were affirmed and that can be disheartening, to say the least. yes we are all stupid sometimes and we do make bad decisions, but that shouldn’t be the cue for unscrupulous sales agents to force-sell insurance to us. i say let’s give the chance for people to rant if they want to. naghahanap lang sila ng mahihingahan ng sama ng loob kasi nawalan sila ng pera. wag na natin silang awayin at tawagin ng kung anu ano. what happened to them is already a painful and traumatic experience. rubbing it in is is the last thing they want us to do.
guyz pls.help me nloko rin ako khapon klng bumalik ako knina pra icancel ang accnt ko pro ang sv blik daw ako i need my money back b4 mag april pano po bang gnwa nio saka ung initial deposit lng ang sv nlang iba2lik nla 13,800 ung na debit nla sken at 11k nlg daw ang maiba2lik dhil dun sa mga benifits..ganun po ba tlg un plz..help me e mail me at ev.sheila@gmail.com pls…someone help me
as of today, check ko sa dti and sec ang Philippine Prudential Life na name and resulted to zero (0) name..meaning, di sila registered. check daw ninyo kung makita nyo ba ang PPL.. thanks..
Hello Guys,
Update lang, just arrived from PPL thank GOD hindi na ako tinanong, nag wait lang ako ng ilan minutes then binigay na sa akin ung confirmation of cancellation at naka saad dun na full refund with in 30 days.
ang ginawa ko ini mail ko si insurance commission, kwento ko lahat ng nangyari tpos cc copy si Ms Ginny Santamaria, pag punta ko dun dala ko ung copy na letter of request tpos binigay ko lahat ng document s knila.
sana nga 30 days lang mabalik na sa cc ko ung nakuha nila.
@ ARPEE, maraming salamat sa blog mo, talagang malaking tulong ito.
God Bless sa atin lahat.
gud pm to all. just received a text message awhile ago…
quote:
RE: (Final Notification)
Good morning.. This is Mr Louie Aguilar frm PHILIPPINE PRUDENTIAL Ur “3 EXCLUSIVE REWARD AND PRIVILEGES” are READY to CLAIM and still hear in Our Office. You need to CLAIM & ACTIVATE this w/in 48hours, Because our Management will Finalize All the Records of our Clients/Recipient who doesn’t Claim their rewards. Pls. call our Hotline w/in 48hours frm 9AM to 5PM for further information. MAKATI OFFICE: Hotline nos.: 02-7551532 look for Mr. Louie Aguilar. Thank you. (DISREGARD IF CLAIMED)
sender: +639071593618
unquote:
first thing i did was to search on the net regarding PHILIPPINE PRUDENTIAL and what came on the pc screen was the word “SCAM”. and found this website, read some comments posted and concluded that the text i rcvd was somewhat having similar strategies with those comments posted. Anyway, while reading, another text message came with the same content. What i did was to reply saying: “OK, thanks. Pls call me on this number.” till now i’m waiting for his call or text message. Maybe he sensed i know “HE’S A FAKE.”
i just got the same stupid text message from the same idiot. these people never learn.
@Samantha: hindi nga ata talaga under ang mga Insurance Companies sa SEC, ang pagkakaalam ko kasi under the Insurrance Commission talaga sila, baka dun natin malalaman kung liscensed talaga sila to operate.
Life/Non-Life Insurance —-Should be registered sa Insurance Commission
Pre-Need Companies/INC./CORP. ——-Securities & Exchange Commission
Sole Proprietorship- Department of Trade & Industry
They can’t sell sa mall kung hindi sila registered sa proper authorities, one of the requirements un sa SM malls.
i got my refund already.. thanks for this blog and sa lahat ng mga taong magpopost sa blog na ito..
always call and follow-up pra gawan nila agad ng paraan.
God bless to all!
Hello. gandang gabi sa mga kagaya kung nabiktima ng PPLI, it was happen last February 28, 2010, naglalalad ako sa Starmall Crossing, nang may Biglang lumapit sakin na lalaki (i dont know his name) at may inabot sya saking raffle stub daw, atubili akong kausapin sya kasi nagmamadali ako non, pero nang sabihin nya na may change daw akong tumama on the spot ng HONDA CITY at $10,000.00 na lang babayaran at no money envolved daw cause promo lang daw yon, then i became interested, need kolang daw sumama sa kanya kasi sa Megamall daw bobolahin, may mga pinakita pa syang pictures ng mga nanalo kaya nakumbinsi nya ako. nang nasa megamall nako mayron daw company presentation up to 45. mins before the raffle, may pinakilala pa syang agent name Jennefer na syang nagsama sakin sa loob, maraming tao sa loob na nakaupo at kinakausap ng ibang agent, then Biglang may Mag aanounce ng ” Lets all Welcome the new member of PPL Kaaproved lang po sya ng Bank Mr/Mrs.____ then magpapalakpakan sila na para bang scripted na. babangatin pa nila ang profession mo, napansin ko na maraming Engr at accountant ang kumuha ng insurance on that day… to make the story short, nong una ang sabi ko i need to consult my wife regarding this, at babalik nalang ako or tatawag if i made a decision na but dahil narin sa galing nilang magsalita, she convince me to get insurance at pumayag i swipe ang CC ko ng Php 24,160.00, den tsaka palang ako nakapaglaro sa raffle nila. bago umalis, sinabihan pa nila ako kung masaya ba daw ako in i said yes. But nong makauwi nako sa bahay, don lahat nag sink in sakin lahat ng nagawa ko, naisip ko kung bakit ako ganun kabilis nag desisyon sa ganung kalaking halaga, althougth maganda ang intension ko sa family ko, but insurance ia a long term investment and need a consultation with my family, relatives & friends. naisip ko rin na kahit na legimate company sila but they exercise a bad MARKETING STRATEGY. they give MISLEADING INFORMATION to us so i decided to investigate their company hangang mabasa ko ang blogsite nato, thanks to ARPEE. marami kang natulungan dito. dito ko natutunan ang mga dapat gawin if ever na magpapacancel ako ng policy. on March 02, 2010 gumawa agad ako ng cancelation letter sa kanila at pinaphotocopy ko lahat ng documents na binigay nila sakin at gumawa ako ng recieving copy. On the same same day, around 2pm from my office in makati, nagpunta ako sa kanila sa megamall para iparecieved ang cancellation letter ko, inasikaso naman agad ako ng Customer service rep nila at nirecieved naman agad ang letter ko.. then sandali akong pinaghintay para kausapin daw ng Manager nila regarding sa reason of cancellation ko. ala pang half hour pinatawag na ako ng manager sa room nya.. solf spoken sya at ako din naman sa kanya, kinontrol ko ang temper ko kasi ok naman syang kausap, she ask me the the reason of my cancellation, Tipid lang ang sagot ko, sabi ko financial problem at nabigla lang ako sa naging desisyon ko tapos i insisted the 15 DAYS FREE LOOK sa policy, at in case na diko nagustuhan pwede kung irefund ang pera ko na sinabi nila at pinabasa sakin b4 i signed the contract, she try to negotiate about the policy, bababaan nalang daw nila ang premium ko from 24 to 12thou at 200+ lang daw ang monthly ko, ang sabi ko, i made my final decision and thats the cancellation of my policy. she asked me pa kung may nasabi baraw ang agent na kumausap sakin na dko nagustuhan at kailangan ko raw isulat yon para attach nila sa letter of cancellaton ko, ang sabi ko personal decision ko ito at alang kinalaman ang agent dito.. sumulat na rin ako para dna ako magtagal don. Then bumalik ako sa customer service nila at inayos ang cancelation letter ko humingi rin ako ng SOA na may Tatak na CANCELLED at binigyan nila ko. 30 to 45 days daw ang processing. sad to say nga lang na ng tumawag ako sa CC company ko nakapost na daw sa biling statement ko ang nacharged sakin ng PPLI kahit one day lang ang transaction. hayyyyyyy its a bad experience.. at araw nato sakin. TIPS lang po, control your temper kapag nakkipag usap ka sa kanila, be FIRM to your decision kahit anong sabihin nila kasi gagawin talaga nila ang lahat ng effort para di matuloy ang cancellation. wag unahan ng init ng ulo kung maayos naman ang pakikipag usap nila.. den kung di naging maganda ang usapan move to next step,, file a complaint to proper authority like INSURANCE COMMISSION. sana makatulong itong Story ko sa iba na nawawalan na ng pag asa… Informed ko kayong lahat pag nakuha kona ang refund ko.. sana ay magsilbing aral nato sating lahat. GOD BLESS.
Pls email me elmar_27@yahoo.com baka makatulong ako kahit advised lang base on my experienced. GOD BLESS
hello to everyone..nakapag-avail din po ako ng plan sa PPLIC last feb. 18, 2010. like every one elso po dito ganun din nangyari sakin. My friend advised me to continue the plan kahit pinakita ko na sa kanya itong blog. my friend has been a plan holder of ppl for 1 year na raw so his advise is just to continue the plan although nawoworry rin ako dahil sa mga nabasa ko dito. Medyo risky pero sabi rin naman ng friend ko wala naman daw investment na risky ngaun so why not to give it a try. If ever buhay pa ng blog na to, every year magcocomment ako dito to give you an update if ever may mainecounter ako problem sa kanila. And napaisip din kasi ako, i know we have different meaning of scam and as for me, scam is something you spent for nothing in return. kanya-kanya naman yan talaga and to everyone, you can consult a friend like me to give you an advise for something your not certain,, naswertehan lang ako kasi yung friend na napagtanungan ko eh plan holder din nila so nakabawas xa worry ko.
@gerald: good for you, having an insurance plan is surely a great investment, rest assured that the insurance industry is very stable even with the global recession last year as can be seen in this article
http://www.abs-cbnnews.com/business/05/13/09/sp-rp-insurance-industry-%E2%80%98stable%E2%80%99
Sa totoo lang my insurance plan actually just matured, in the end I really got all that was promised in my policy ng walang kahirap-hirap. hehe pwede na ako magbakasyon sa Holy week. ok talaga yan pramis medyo long term nga lang pero worth it naman. Philippine Prudential Life? ok ata yang pinagkuhaan mo parang nabasa ko lang last month na kaka aniverssary lang nila eh, sa manila bulletin ata yun.
@Arpee: Perehas ba talaga yung Prudential Life na wala nang license para mag benta dahil sa SEC; sa Philippine Prudential na insurance company? kasi di ba different naman ang pre-need industry sa insurance industry?
i’m no insurance expert. however i do believe insurance plans are good investments, no argument there. the gripe we all have here is THE UNSCRUPULOUS METHOD by which they lure people into buying insurance.
@Arpee: well that’s nice to hear at least we agree that buying insurance is good for us. tingin ko kasi based on the comments posted above pressure selling lang yan.same style yan sa time share holidays that was the “in” thing a few years back. pag bumili ka ng time share you are entitled to use their facilities for a week. for your info lang.
I saw something interesting when i was browsing about this company again..
http://www.rbap.org/2009/04/philippine-prudential-life-insurance-public-statement/
may statement ung president nila na registered sila and other stuff..
biniktima rin ako ng mga taong ito, nasa sm ako kahapon tapos may lumapit sakin na bading, tinanong niya ako kung may cc daw ako sabi ko naman oo. Meron daw akong chance manalo ng kotse sa raffle nila kaya na pasama ako dun sa office nila para sa 45 min presentation. Pagkatapos nlng lahat na yun bebentahan lang pala ako ng insurrance, nag tagal ko dun kinukulit talaga nila ako, ang lakas pa mangbola. mga 1hr 30 mins na ako dun kaya pinirmahan ko nlng 12k lang naman na kaltas sakin eh di katulad ng sa iba kaya medyo ok lang, pero sayang parin di ba napilitan lang naman ako pumirma. Hindi dapat ganun ang pag benta nila, alam ko tao din sila at paraan nila yun mabuhay pero may buhay rin naman kaming mga nabibikitima. buti nlng nabasa ko itong blog na ito alam ko na ngayon na ni revoke na yung liscence nila. Dapat di na yan nagbebenta d ba?. Report na natin sila sa SEC
@anne. Its good to know na yung owner ng blog eh sinasabing good investments ang insurances. Medyo panatag nako sa sinabi mo arpee na its all about the method ang kinaiinis mo sa kanila at hindi yung product nila.
I did some asking at magkaiba daw ang PPLic dun sa na revoke ang license to sell..Hindi daw sila iisang company..baka kaya marami rin nagagalit kasi hindi lang sa method kundi na rin sa mali nilang akala na eto ung company na wala nang karapatan magbenta ng plan eh nagbebenta pa at sa sm malls pa.
@pinoyboy: for your info lang medyo misleading yung links sa blog na ito kasi its outdated and kind of wrong. If you do enough research you would find out that Philippine Prudential Life Insurance Company is very different from Prudential Life of which SEC revoked its license to sell. As gerald had said magkaiba talaga sila.
@gerald: sabihin na natin ang method nila ay iba. Pero hindi ba na sa ating mga buyers parin ang last say whether we want the product or not? That’s what you did right Arpee? you didn’t get their product because you didn’t want to. You had a choice and you picked the option not to get. I think the problem here is not their method of selling but a problem of making decisions, the people who comment here tend to blame the sales agents, judging them as scammers because they were trained to talk well in order to sell their product. When in fact no matter how good one talks the discretion whether to buy or not still stays with the buyer. We would need to make the final decision. We can’t constantly blame other people for making wrong decisions, we should just accept it and learn from it, try to get a refund if that would make you happy?. The end point is that we shouldn’t blame people for trying to make a living, it was our choice to buy the product using the free will given to us by God, so we should take responsibility for it. We had the final say and we said YES. That I think is the problem; at least in my opinion.
March 12 … beware on this company, Philippine prudential life insurance..located at 5ft floor SM Mega Mall Bldg A.
We were walking along St. Francis then one guy approached me, sb nya they will give free pillow and a chance on winning a honda civic brand new..so they asked if i have credit card, i said yes..then im qualified.. he said also na it will take only 45 mins in the said presentation..so ngpunta na kme sa sm mall pra pumunta sa ofc.. after that ng fill up kme ng raffle ticket pra sa chance to win 10,000..after than tinawag ako sa counter to ask some info..if i have credit card, bank savings acct..so pinakita ko nman.. after than the guy entertain us well, hangng sa tinawag ako n lumapit yung consultant (girl) so chika2 muna…grabe ang galing nila mambola at ako nman ngpabola w/out knowing yun na yung strategy nila..cge usap,,explain to the max..to make it short cnbhan ko na yung girl na NO..but ang ginawa nya ng continue pa rin cya..ang alam ko sa mga figures na cnusulat nya is pinapakita lng nya kung paano mag-earn ng money or mg-ipon…so agree ako sa cnbi nya..puro congratulation n shake hands pa..ndi ko na nabilang kung how many times yun..tpos after ng-agree ako sa akala ko eh example aba binigay ako ng form saying na i-debit nila ako ng amt of 14k sa araw na yun..ndi ko alam yun na yung agreement kz sb nya “lets see kung ma-honor yung gs2 kong amt for saving” na alam ko is example lng yun..not saying “mam, kpg na-swipe nmin yung card mo at ng-approve yun na po yung savings transaction ntin..wla nman ganun exact word me narinig..at they are laughing pa dhil malinaw nman daw sa paper na ngsign ako na i-debit nila yung amt 14k today..sbhin na natin na you’re like hypnotize..kz bigla nya binigay sa akin yung form na wla cnsb na e2 yung agreement ntin ah..so ilagay mo dyn date today amt of 14k tpos signature…so after than signing lumapit yung manager daw so binanggit nya ulit yung papel na agreement na pla ..verify then ngsign cya na ndi nman malinaw na agreement form na pla yun..cnb nya lng e2 yung date ntin today na i-debit nmin yung 14k..so dinala ako sa cashier booth cnb na i-debit nga yung 14k..so same you’re like hypnotize nman at tumungo ako..after ma-swipe yung card ko..ng-approve so dun lng me natauhan..so ano yun bkt nyo swipe yung card ko amt of 14k..so inicip ko agad na ndi pwede yan kz mgbill ako nya nxt month..tpos cnb ko na rin na cnb ko sau na i’m not ready to save kz marami pa ako expenses na dpat bayaran…so ng freak out na ko until lumapit yung supervisor explaining regarding sa debited amt 14k..so i explain my side pro ndi na ko 2mitingin sa kanila…sb ko you need to void that transaction sbhan ba ako nung supervisor daw ah na “what if sbhin ko sau na ndi pwede i-void?” sb ko imposible any transaction pwedeng i-void yun khit ngpurchase ka ng things or not…kz nga daw bank to bank transaction daw…so ndi ko cla tinigilan ng freak out lalo ako hangng marinig pa ako ng ibang tao dun..so lumapit ulit c manager..sb ko paki void na lng yan pra tpos na usapan ntin..pro mabait pa rin ako kz ngsorry pa rin ako for the inconvinience…KYA TO ALL.. BEWARE OF THIS GUYS…so pgdating ko sa house ngverify agad ako sa bank kung tlgang na-void yung transaction..so bank told me yes mam it was void already…cguro kung hinayaan ko yun it will really reflect on mya billing statement..sb ko nga mas gs2 ko na mgpurchase ng bagay atleast nakikita ko kaysa sa ganung transaction..sa hangin!!!God bless na lng po sa Philippine Prudential Life Insurance…Tigilan nyo na yan!!thats BAD!!!
guys naexperience ka n tin to.. parahas n parehas.. wala ba mgagawa ang sm north for this?? shit ung 45 minutes nila umabot ng 3 hrs na ndi ko nmmmlayan
@hennesse: sa tingin ko walang magagawa ang SM north kasi legitimized company naman sila eh. Hindi ba ikaw din naman ang may kasalanan at hindi mo namalayan na 3 hrs na ang lumipas?
@anne—i’m not saying it was only the company’s fault kung bakit ako nakapag-avail nang..kaya nga i decided to also to continue the plan because i know it was all my decision and pinaniningdigan ko naman yung nangyari sakin. It was my decision to stay in their office and i was all my decision to avail the plan..Hindi naman ako nagreregret kung bakit ako nag-avail plan eh.. nag worry lang naman ako because sa mga nabasa ko dito..And tama ka..iba talaga method nila to attract client and tama ka rin naman na nasa tao ang lahat ng decision. it was all mine and wala naman ako sinisisi and sabi ko nnga indi naman ako nagreregret having the plan…ciao
Last Feb 9 nakapag-avail ako ng Plan…then Feb 11 kinancel ko…with the help of this blog nalaman ko kung ano ang dapat gawin. And March 5 nabalik na sa atm ko ang 18,700 na nadebit sakin. Ilang days din ang nakalipas halos 1 month, but I had faith that God will not let me down, same as others, nagemail me sa IC at nagreply naman sila. Ayun…. Guys, Ingat nalang po tau sa mga lumalapit satin next time and Hopefully, magbago na ng marketing strategy ang PPLIC.
Oo nga po gnagamit pa nila yung mga sexy na agent kuno at dalaga daw wow…. tapos tatanungin ka kung tagasaan at hahanapan ka pa ng agent na kababayan mo…. wala daw sila ibebenta just explain lang daw pero dapat minimum ka ng 30K sa account mo, then kunsensiyahin ka pa tungkol sa future ng family mo…. hehehe pati pangarap mo bubusisiin, mag start sa 75K hanggang 500pesos na ipipilit sayo na avail mo at meron bigla papalakpak na meron pumayag na mukha naman kasamahan din nila, then pag di ka pumayag after 2 ours kahit sabi nila na 45 minutes lang, ay bigla ka na yayain lumabas at mag slot machine na alam naman ng lahat naq imposible ma jackpot, scam talaga bakit kaya nakaka operate pa nga yan, saka ayaw nila na dati ka ng nag attend hehehe….. patawarin ang mga yan baka isang araw bigla na lang sila gilitan ng leeg dyan sa booth nila ng niloko nila… pwede pa naman mag shopping nga kitchen utensil sa SM.
yes ur ryt anne!
halos lahat na selling companies ngayon mat ibat ibang strategies to get clients attention,as i weigh titas perception of PPLIC mayaman lng cguro ang company na iyon kasi naka afford cla sa pagpalabas ng maraming pera para sa SUPER magandang trainings nila para sa magagaling na agents..magaganda pa!(il try to visit der)hahaha…
@ARPEE: ikaw ba lalaki?? kung lalaki ka let me ask you; Are you courting a girl you really love the most?? ikaw ba kung mahal mu ang isang tao, gagawin mu ba ang lahat para mapasayo sya?? Syempre OO! Simple analogy lng bai!!!
cya sa policy nya sa PPLIC, pero sa iba dyan na Sad 
, cguro pressure selling yung na-encounter nyo!!!sabi ni tita marz, mga magagaling lng daw iyong agents nila lalo na pag ang client fast learner, or hindi LOWbat!kasi pag slow learner ka daw at papasok ka sa PPLIC, hindi mo daw maintindihan ang pinagsasabi nila or explanation about sa promotion!kc sabi ng tita ko mga bigatin daw usually ang mga nag-avail ng policy sa PPLIC sa time na na-invite cya kasi may LAWYER,priest,doctor,engineer,at nagmamay-ari dw ng paaralan.
Just like the agents there in PPLIC, syempre mahal nila ang trabaho nila, of course gagawin talaga nila lahat ng magawa nila for them to insure clients para naman may pera sila..dba?????kung na-invite ka doon and slow-learner ka cguro para sayo biktima ka!marami dw kasing way of handling clients or selling, either persuasive or pessure..katulad ng tita kong na-invite cguro persuasive selling cguro ang na-encounter nya kaya Happy
and lastly my tita said,REALITY daw ang pinag-usapan nila sa loob,hindi daw pangloloko,ni-remind lng daw ng agent ang reality in d future kaya na-touch sya!inexplain naman daw ng aent ng maigi ang promtion na hindi lng daw by chance na raffle-raffle, ma Choice naman daw na savings…bsta Happy talaga ang tita ko til now sa policy nya sa PPLIC!
Thanks for saying the word “TANGA” its very flattering easie.
@ easie–maybe im a fast learner,,nyahahaha…naintindihan ko namn kasi yung plan ng PPLic eh and I think base dun sa example mo eh, persuassion yung nangyari sakin..siguro sa lahat ng nang mga nakaavail or hindi nag avail ussually the agents extract sa client yung mga gusto nila, mga dreams, mga future plan. etc. . and then the agents show what are the possible na mangyayari indi the future. and siguro isa yun sa mga reason kaya nakapag avail ako ng plan. they opened my eyes about the reality ng buhay..sa iba siguro ganun din ang nagngyari naopen din yung eyes nila about sa reality ng buhay kaya lang pag uwi nila nagsara uli mga mata sa reality.hihihi..
well maganda naman yung offer ng PPLIC.. pero kung good intention naman yung pakay nila bakit kailangan nila mag sinungaling? bakit nila kailangan sabihin na “gift lang po kuha kayo for endorsing purposes lang.wala kayo ilalabas na pera. maglalaro lang po kayo.” syempre ang tao ang akala yun lang ang gagawin kasi naniwala sila eh na yun nga lang ang gagawin. so dahil naniwala sila at napapasok sila sa loob ng office dahil akala nila yun lang yung gagawin, naive na sila? So SUPER good training pala ang pagsisinungaling ngayon ah.OH! trabaho nga lang pala nila yun ang magsinungaling., sorry naman. Yes, sinungaling, kasi they will promise you na wala silang i ooffer konting presentation lang. So kasama lang ulit sa trabaho yun.Ok. kailangan nila magkaron ng client eh. Pero maganda naman pala yung offer eh, bakit mo kailangan pag sinungalingan yung client? Bakit hindi na lang nila sabihin kung anu talaga yung motibo nila kung confident naman pala sila na maganda yung company nila? Maganda naman din talaga eh kaya napapayag yung mga tao. BUT, they know one thing kasi na sinabi ng mga agents.. “sa ganto pang date ang bayad” so yung alam nila. Pero pag nagsurrender ka na ng cards, atm, etc.. if you ask them again the same question na tinanong mo sa kanila. iba na ang sagot. Well CONGRATULATIONS sa kanilang magandang SUPER training.
Ok naman yung plan nila. Pero ang nangyari kasi their answers was NOT precise.They wont answer you the TRUE answer kasi it might hold you back for continuing the plan. So kailangan nilang mag tell ng LIE. Maybe yung iba di nila masyadong nahalata yun, kasi nga magagaling talaga yung agents with their SUPER training. Hindi ka nila paalisin hanggat hindi ka napapapayag. VERY GOOD INDEED! Trabaho lang talaga nila yun. So kahit sinabi mo ng may lakad ka, dededmahin ka nila kahit narinig ka nila at hinidi ka pa rin paaalisin. At isa pa sa napaka GOOD training nila ay ididikit pa nila ang chest nila sa any part ng body nung client most especially sa guys (it happened sa guy friend ko). BRAVO! What a good training! Well hindi naman siguro lahat.
@easie, easy lang! so SUPER masaya k na nyan? at kelangan mong ipagmalaki ang todo SUPER magandang trainings ng mga MAGAGALING na agents ng PPLIC.. kung ok sa tita mo.. edi ok. edi dun ka na! dun ka magmalaki! pwede bang mag-SORRY?!! ndi naman ako BIGATINg tao eh.. kung bigatin USUALLY ang nag-aavail ng policy nila.. baket sa mga MALLS sila nagkakalat ng lagim nila.. pupumunta ang tao sa mall para gumastos or magsaya lang.. Kung gugustuhin nya mag-save.. may alkansiya naman. ayusin naman ang marketing strategy nila!
If you are going to make a decision, how can you be decisive if you are thinking under pressure. So if napa agree ka, well your going to take the consequences under the circumstances na gusto nilang mangyari sa yo. Well strategy nila yun na ma pressure yung tao. Ang nakakainis naman sa PPLIC yung marketing strategy nila yung SUPER good traning nila. If they are really a GOOD company and they have many prestigious clients there, they should never tell LIES. That’s what SUPER GOOD training is. Well, yung mga LAWYERS, doctors, engineers,. maybe they don’t worry that much about money beacuse they have enough of that. Those people who complains are extremely worrying with regards to their money beacuse it MATTERS to them. That’s why they WORRY. How can they be so sure na credible nga yung company? Within one hour or more than an hour of conversation how can they be assured na credible nga yung company? They don’t have time to research, they don’t have time to ask questions sa ibang plan holder because there are no opportunities for that matter. Kung nag exceed sa 45 minutes ang presentation, well then, tell their prospect client politely na mag eexceed ng oras, hindi yung hindi man lang nila pag salitain yung tao na obviously naiinip na. That’s what GOOD training is. Kung CONFIDENT ang PPLIC na existing sila and hindi sila SCAM they should give their clients a time to think without PRESSURE.
@easie Salamat sa pagtawag mo sa amin nga na biktima na TANGA, siguro isa kang agent na ng guyo sa amin. baliktarin mo nga ang sitwasyon ikaw ung naguyo, im sure maramdaman mo din ung naramdaman namin. Hindi makatulog sa kakaisip kung paano nangyari at napa oo kami. kung wala ka magawa wag ka na mag comment, nakaka dismaya ka lang. Good luck sayo, sana isa sa mga friends and relatives mo di makaranas tulad sa nangyari sa akin.
@ella Agree ako sa cnb mo kay easie @ easie sna nga alam mo cnsb mo …kung happy ang tita mo gud for her…
ako lucky in a way na-void nga yung transaction ko pero upto now naiicip ko pa rin yung ginawa nila sa akin.. wla lng cla mgawa kz ng freak out na ako at ayaw nila marinig pa nung iba yung mga cnsb ko kya na-void na yung transaction sa credit card ko…
@easie: maypagkatama naman ang sinabi mo kaso hindi din tama na sabihin nating mga tanga ang mga feeling nila na nabiktima sila. Maaaring hindi lang nila gaano naintindihan yung pagpapaliwanag ng sales agents na sabi mo nga ay may super galing na training, agree ako dun sa analogy mo kasi pag pinagisipan mo kahit sino naman na nangangailangan ay gagawin ang lahat upang magkapera, alam naman siguro ng mga sales agents na yun na maganda talaga ang produkto nila kaya nila iyun binebenta, kung ang plano lang nila mag scam bakit sa SM pa nila gagawin yun d ba? kaya tingin ko hindi talaga iyun scam.
@jean: Ano ba ang mali sa sinabi nilang “gift lang po kuha kayo for endorsing purposes lang.wala kayo ilalabas na pera. maglalaro lang po kayo.” eh wala naman talagang perang ilalabas para sa gift na bibigay nila d ba pati naman dun sa raffle wala din. Mag lalabas ka lang naman ng pera kapag nagustuhan mo yung produkto na inoffer nila eh, kapag nakapag desisyon ka na kukuhain mo yung produkto nila.
@ella: so sinasabi mo may mga kapangyarihan ang mga sales agents ng PPLIC dahil hindi mo alam kung paano ka nila na papayag kumuha ng produkto nila. ganun ba? Baka naman napa oo ka dahil naniwala ang iyong looban kahit papano na ang produkto na binebenta nila sayo ay mapapakinabangan mo naman talaga sa future.
Kay Ms. Corazon, mawalang galang na po but, this blog is very helpful to all the people who were SCAMMED. Obviously, this isn’t for you or for the thousands of people who are happy plan holders of PPL. Sana po nagbasa muna kayo ng laman ng blog bago kayo nagpadala sa damdamin nyo. I’m sure you were not fooled into getting your plan by the same agents who tricked the victims into obtaining a plan. Pero karamihan mo dito sa blog na ito, sadly were all unwilling victims.
There is no doubt that the company itself is legal. Yung pamamaraan ng agents nila ang illegal, I say illegal kse may misrepresentation. The fact na hiningi nila ang credit card ng tao with the guarantee na “ichecheck” lang with the bank kung papayagan yun pala ay iniswipe na ang card, ay illegal na paraan. Tama ang nagsabing ang insurance ay pinagiisipang mabuti. Hindi ka kailangan pwersahin katulad ng ginagawa ng mga agents na yan sa kanilang mga biktima.
Sa admin, Ipagpatuloy nyo po ang blog na ito. Sa mga nagbabasa, huwag po tayong mahiyang tumanggi kung tayo po ay hindi sigurado. And beware na po kung hiningi na ang credit card nyo. Kung kailangan nila malaman kung aaprubahan kayo ng bangko, sabihin nyo nalang po na tawagan mismo ang bangko. Kapag naiswipe na po ang card nyo, debited na po kayo nun. Kaya credit card ang hinihingi nila kse alam nilang automatic debit, at automatic na planholder na kayo…
Ingatan nalang po natin ang ating mga credit card.
Peace!
At dun naman po sa mga may ibang opinyon about PPLIC, gawa nalang kayo ng sariling blog. Unfair naman tawagin nyong “slow” or nagpaloko ang mga biktima. Sino ba ang gustong maloko? Ang insurance pinaghahandaan at pinagiisipan yan. Paano nyong masasabing tintulungan lang kayo ng agents isecure ang “future” nyo kung ngayon palang hinoldap na kayo sa credit card at hindi na masecure ng biktima ang “present” nya dahil sa biglang kaltas? Everybody needs their job but let’s not lose our dignity.
Peace pa din.
ano ba kasi ang hindi natin lahat alam??? db ang future? so masmaganda siguro na atleast my shield tau to protect our selves from diz damn world dami pnamang adik sa labas at hindi lang naman mgaganitong nature ng business ang umuunlad ee, meron din sa pagnanakaw obvious naman diba? sila para silang lamok na nagkalat sa buong lugar kung masarap ang dugo mo masarap din ang pagkakakagat sayo hihihihihihihi im just 17 guys and i know mas matanda nakayo kesa sakin kaya dapat naman isip muna bago gawa (basic) samga agent naman aztig ang pagconvinced nila ng tao, wala kang magagawa, kaysa naman sa magnakaw sila jan satabi2 diba????? i think diz nature of business is like your playing the plants and zombie na larong pangPC hihihihihi i just curious lang sa mga scam2 nato? maybe tatawagan din ako ,kinabukasan hahahahahaha
hi, gud pm, tanong ko lang po,i’ve received a call from a woman this morning saying that i can avail a prudential life premium plan, which is they will deduct 350pesos monthly sa credit card ko,with a confirmed insurance of either accidental or medical insurance,the woman asked for my details and credit card number, is there such a thing as that premium account? what should i do? pls.help po, thanks…
@anne: pag nag bibigay ng gift ang mga agents sa mga passerby na tao it only means one thing.. may kapalit yun. so ang iniisip ng tao anu kaya kapalit nito. Obviously hindi mo bibilin yung gift kaya nga GIFT eh. May gift bang ibibigay tapos babayaran mo? Alam na ng tao yun. Hindi sila ganun ka slow tulad ng sabi ni easie. Syempre nagtatanong yung mga tao para san yung GIFT bakit may binibigay na gift? Yun ang gusto nila malaman nila, dun nila sinasabi ng mga agents na for endorsing purposes lang ng company nila. Wala nga daw iaalok, di daw maglalabas ng pera. That statement was very general. Iisa lang iisipin ng mga tao, wala sila gagawin kundi kunin yung gift and then play. HIndi naman lahat ng tao pagdududahan lagi sinasabi ng mga agents eh. Syempre naniwala sila na yun nga lang gagawin diba. Anyway, bakit hindi na lang sabihin nga ng mga agents na may iaalok sila na plan. Say it in a nice way. People would entertain naman siguro if it is really credible.
@ sympathizer..hi binasa ko yung comment ni mrs. corazon after ko mabasa yung comment mo sa kanya. in fairness naman sa kanya I think may point naman siya…kahit ako nung nabasa ko ang blog na to nagworry din naman ako sa mga comment dito.. and i believe marami sa nakabasa dito nagpacancel because sa mga nabasa nila whether kapareho nangyari sa kanila or hindi. Syempre nga naman plan holder na siya for quite sometime na tapos kaw mababasa mo na lang sa net na scam pala diba.. kahit siguro kaw matatakot,magagalit ka rin..Well maybe ang point out nya is based sa sabi nya is the title nung blog at saka yung ibang nagcocomment dito..kasi siguro nung nabasa nya yung title ang pagkakaintindi nya the company is a scam while in fact kahit si mr. arpee sinabi na rin nya yung marketing strategy lang naman ikinagagalit nia and the company is legal so doon pa lang may conflict na sila….
@ sympathizer..No doubt na marami nang natulungan ang blog ni arpee..kahit ako natulungan ng blog na to na mag-isip talaga and marami na rin talaga nagbigay nang tulong sa kapwa mga nagcocomment. Dapat sa bawat comment makita natin yung point ng bawat isa kung ano yung mga isinasaalang-alang ng bawat tao plan holder man o hindi.
@ sympathizer..at some point I believe also na mga planholder na naapektohan na rin sila. investment nila sa companya yun eh, so kahit paano mag-aalala sila. we can’t blame them if they got worried..kahit ikaw or ako, nung hindi pa naman alam na may blog na ganito i’m sure like me at least medyo panatag pa loob mo right? then after mo masearch and mabasa yung title im sure also bumilis ang tibok din ng puso mo..lol..then nagbasa ka na and you found a way to do your what’s your in mind initially after mo mabasa yung title and that is how can i get my money and presto yun na lang naisip the whole time na nagbabasa ka ng mga comment and again you find this blog very helpful.
@ relalize..wow..17? business minded ka ba?hihihi
just my opinion.. don’t blame them(agent) because you have options… you can say no if you really don’t want the plan they offer.. they are just paid to do their job to convince people… actually, I’m a plan holder and Philippine Prudential Life is not a scammer you can check them from Insurance Commission.
if you are happy with your plan, then go ahead and buy some more. but you need not be preachy if we felt cheated. it’s as much our right to rant as it is yours to rave.
@ Gerald, hindi ko naintindihan ang last comment mo…pero totoo may karapatan kang magalala kung existing planholder ka. Who wouldn’t worry? It is unimaginable for a reputable company to resort to this kind of modus operandi, pero nangyayari. Ebidensha ang mga nagcomment at nanghingi ng tulong sa blog na ito. Pero imbis na maglash out kayo sa admin ng blog or sa mga naloko ng agents nila, dapat mismong sa PPLIC kayo lumapit at humingi ng assurance na secure ang mga pera nyo.
@ Arpee, I could not agree more.
want to cancel my aplication also..fils lyk i wna cry..am jz an ordinary citizen..oh my…huhuhu…how wil i get my money bck?…am a bdo mc holder how wil i gt a dispute leter frm dm?
muntik n rin nila ako maloko..they will act like they are friendly of you pagkatapos pinatry iswipe ang credit card koh,.pagkatapos pinafill-upan akoh at pinapirma ng kung anu-ano, wen i changed my mind that instant mismo, they get try to cheat me, by giving me an option, pero ganun din nman..And then I decided to cancel all the transactions and make everything void, they got mad and even blamed my decision to my boyfriend who just seated at my side and waiting patiently for me.They were all liars..They are not professional,haharangin k nila sa daanan pagkatapos magsasabi ng kung anu anung kasinungalingan, and then pag nde ka nagpaswayed sa kanila, the manager will scold at you IN FRONT OF EVERYBODY.. PHILIPPINE PRUDENTIAL LIFE WAS SUCH A MESS!!!…
Tawag na tayo sa Insurance Commission. Ito #s nila: (02) 523 84 61 -70 / 404 17 58. Dapat ipaalam sa kanila yang maling strategy na ginagawa ng PPLIC.
Hello Guys,
just received my cc billing, thank you God na ibalik na sa card ko full refund po dated March 18, 2010. March 03 ako nagpa cancell, hindi na nga ako nangulit kay Ms Ginny after ko makuha ung cerificate of cancellation.
@ Arpee- Maraming salamat, malaking tulong talaga ung blog mo, at sa nag po post din thank u. makakatulog na ako ng mahimbing.
Sa iba pang dpa naka kuha ng refund, dont worry makukuha nyo din yan. God Bless us all.
well.. alam ko yong mga nagcomments na mga tanga ang mga nagpaloko ay mga agents ng PPILC.
Nakabili ako sa mga ito last week lang, pero pagkatapos ko mabasa mga comments ninyo na realize ko ang pagkakaiba natin sa pagtingin sa ating mga produktong na avail. Para sa akin ok naman ang produkto nila, pati na din ang sales strategy nila, kasi pag pinagisipan natin hindi naman natin sila papansin kung namimigay lang sila ng fliers tulad ng mga iba eh, aaminin ko pag inabutan ako ng flyer tinatapon ko lang pagkalagpas na pagkalagpas sa nag abot sa akin, at malamang marami din sa inyo ang ganun. Kung hindi namimigay yung mga sales agents ng gift e di paano sila makakakuha ng customer, kung wala silang customer, walang benta, kung walang benta, walang comission, paano naman sila pati na ang kanilang pamilya. D ba? kung tayo din naman ang nalagay sa ganun na sitwasyon malamang din gagamitin natin yung mga free gift upang makabenta.
Kung titignan naman natin ang sinasabi ng mga nag comment sa taas na pinilit sila or sinisigawan sa harap ng tao, isipin nlng natin kung sino talaga ang nalugi sa pangyayaring iyon? ikaw may free gift, maaari ding mayroon kang plano na makakatulong sa iyo pag dating ng panahon, eh sila kung sinigawan ka nila eh di wala silang benta, nawalan pa sila ng gift na mabibigay sa iba, d ba? haha so pag tinignan talaga natin panalo ka. Sa tingin ko din hindi tama na sabihin natin sscammer sila kasi ang produkto naman nila ay totoo hindi naman ito mga panloloko tulad ng fertilizer fund scam na pinagaawayan dati.
@sympathizer: sabi mo “It is unimaginable for a reputable company to resort to this kind of modus operandi” eh bakit nung pumunta ako sa SM north kahapon binentahan naman ako ng ibang insurance company trip to boracay naman ang pakulo.
…ai patay, c papa na avail knina sa sm city iloilo, ..62k yung kaltas sa cc.panu yun?.. totooo bang may scam?
i was invited also yesterday and i said NO
Thank you Lord… Thanks everyone for the help. Thank you to arpee for this site… a big THANK YOU. Thank you also to rash rashid for the letter the cancelllation letter i copied, it was a big help indeed. I just got my cheque last wednesday and deposited it just now.Thank you also to miss ginny santamaria, shes really an angel… sobra bait at accomodating nya. Thank GOD for all this wonderfull people.. GOD bless them all…
they are operating in sm cebu too. i was invited today at 3pm. ang kapal talaga nang mukha nila mga walang hiya maraming mga pilipino na nag hirap ay at nagsumikap ay lalo pang naghihirap dahil sa ganito mga klaseng negosyo nang mga manloloko. ewan ko ba kung bakit ang mga malaking mga mall ay opina upa pa cla. madamay ang iba matinong negosyo. buti nalang sinigawan ko yung nag seminar sa akin dahil alam ko at nafeel ko na scam na ito. sino bang taong matino kausapin ka sa malakas na sound nang musika para mag oo kalang nang oo kasi ang lakas nag sound. biro in nyo ang pera ko daw sa atm ay ipatransfer nila sa kanila para may insurance ako. sana mamatay cla lahat. mamatay lahat sa kulam.nagpupumilit cla na magbayad ako dahil yun daw ang requirements bago ka makalabas, ang kapal.
guys. just got my refund from prudential.tnx for the info’s that uv shared..after going to their main office and getting my cancellation letter,i was relieved.. there’s no need to call on them everyday..just be patient..i know prudential is a legitimate company,its just that everything happened so fast..if they really wanted to help people,they don’t need to pressure them.. there are some other ways to get people buy their policies..let’s just think several times before we decide..a lesson learned..let’s just respect other’s opinion.after all, it’s a free country..
glad i found this blog site, grabe worried din ako about the premium n nkuha sa PPLIC, nakuha ko ung premium last january 23, and i really wanted to cancel it kasi nagkasabay sabay ang gastos, very true para talagang ang bilis ng pangyayari after nila makuhaan ang card ko, maganda naman ang paliwanag nung agent na nag assist sa akin although di talaga ako ready na maglabas ng pera sabi nga itatry lang nila kasi depende daw un sa bank if iaaprove nila, ayun nakaltasan tuloy card ko..sana nga marefund ko ung initial ko kasi by august pa start ng monthly ko, thanks at nakahinga me ng
maluwag,…sana nga maging aral na sa atin n wag nga tayo basta basta nagtitiwala..
@Xtremegc: Hindi ito scam alam tulad ng sinabi ng may ari ng blog na ito sa mga comments magandang investment daw ang insurance. Nagkataon lang din cguro na naisip ng dad mo gumawa ng investment para sa future.
@marie21: Good for you marie21, it just shows how us consumers have the right to say NO, we still have the power to make the final decision.
@maria: baka naman matino din ang negosyo nila at pinapayagan sila ng mga malalaking mall umupa, sa mga comments naman dito registered naman pala talaga sila sa Insurance commision so cguro nga matino talaga sila. Baka naman hindi kayo nagkakaintindihan nung agents sabi mo nga sobrang lakas nung music d ba?
@jem: congrats on your successful refund.
Sa lahat ng mga nagcomment dito I just want to say that this blog has been really helpful to those na bumili ng plan ng PPILC may friend ako na nilapitan the other day sa SM pero d sya bumili. So i showed her this blog about all the things these agents do to make us buy their plans. Sabi nya sakin bibili daw sya ng plan. natawa lang daw sya kasi nung inisip nya ng mabuti na kung ang gastos nya sa yosi at inom ginawa nya nlng pang bayad ng monthly bill nya mas nakatulong pa daw sya sa sarili nya. wala lang sharing lang ako
hi to all..i was able to get an insurance also but not in PPLic. share ko lang naman,,indi ko na lang banggitin name ng company. i received a call then from someone and un nga may mga freebies or free insurance ako to get sa company..well dahil wala naman ako ginagawa that day pumunta ako to get the free insurance then you super sales talk n rin sila sakin ang na swayed na rin ako..i presented na insurance sa wife ko..indi naman xa nagalit maybe daw ba makatulong din..who knows..sobrang tuwa ko nga kasi di xa nagalit..whew..sabi pera ko naman daw un..hihihihi.
Hi po..
Had a smilar experience last March 27 at SM City Cebu.
I bought stuffs from SM Department store and soon as I went out, a bunch of people immediately approached me, took a look at my receipt and asked me if I have an existing savings account or a credit card. As soon I told them that I have a savings account (on my ATM), the sales talk begun. These people are all around SM, seen them before and they abound specially on entrance/exit points. But this will be the first time I have entertained them. I had time to spare, so I didn’t mind a few moments with them.
The talk revolved on the oppurtunity for me to win a car or a $10,000. That’s great! But, will they just give away such things? So I asked further about their company, its nature, their purpose for or what will they gain from such promotion and what will I have to do in return. They said that that the promotion is intended to introduce the company to people (sort of advertisement, publicity stunnt…) and all I have to do should I win a price is to acknowledge and represent the company and aggree on arrangement for photo opps (picture-picture to land on their adds).
I thought I would just have to drop the ticket they provided me on the the box, wait for the raffle and be advised in case I win, so the next things were unexpected. The agent lead me to their office (at a part of SM not frequented by people) so that their consultants can brief me for 45 minutes on the necessary details before I can play for the Car. I was surprised to know that they have an actual office at SM. I thought, that since I have already reached that point, I guess I would just have to cooperate. 45 minutes is not that long. Their office was filled with ‘consultants’ (which were all the same age as I am) who were engaged in conversations with some other random shoppers who were as confused as me. They handed me an iced tea (which I regret I accepted.. I had loose bowel soon as arrive home that I have to wake up every now and then that night…). A ‘personal consultant’ was then assigned for me. She then led me to the older lady and asked me to have my ATM swiped for balance inquiry. I was a bit scared and cautious. The reader they use is the same device SM counters use when you pay purchases using an ATM. I made it sure that the transaction was just for balance inquiry before I entered my PIN (but will have to check later on that nothing has been taken.. the agent who swiped the card told me that I can sue them should even 1 peso is taken from my account. (The lady is the only person in the office that looks older.. around 35.. the rest were like fresh grads.. my personal assistant said she was around 28). After the balance was shown, the consultant grabbed a chair and a table and begins the long talk about the company, about jobs, financial security, and the importance of having savings and to make savings NOW. I think I had been fairly polite with the consultant, nodding to some of her points, responding to her questions and asking her of things I want to get clarified.
Things went well, and then the point came when the true nature of this whole process was finally revealed. She then explained the convenience of the savings + insurance plan that their company, PPLIC (Philippine Prudential Life Insurance Company), can offer me. With the plan, the consultant explained that I have to pay a monthly of around Php 1,160.00 for 7 years. And when I turned 37, i.e 15 years since the time I first enrolled for the plan, I will be provided a cash of Php 175,000.00. Not a big sum but the money you put in ‘grows’ and the consultant added that the plan covers insurance – health, death, education… blah blah. The consultant also said that the monthly payment will be secured and they will assist me with managing the savings, plus in case I miss a monthly payment, they will have an option for me to pass payment for that month without penalty.
Okay, that was nice. BUT, the biggest revelation is… to start the plan, the consultant said that I have to make an initial deposit of Php 9,832.00 immediately, i.e., NOW. She said that their usual initial deposit is around $16,400.00 and that she is doing favours and making considerations for me that is why they only offered Php 9,832.00. Wow. That was a shock. It means that they need to take that amount from my savings the moment I leave their doors to avail of the plan. So, I told the consultant that I have to think about that before I make any decisions. And the battle begins..
The consultant insisted that it will be more convenient and fruitful if I place my money on their account rather than placing it on my own savings account from my bank. She asked me of what’s keeping me from taking her “HELP”. I said that I have to think about it, I need more information and that I am not fully ready for such since I have intended my current savings for an immediate concern and I am just 8 months with my first job. I said that maybe later on, I will be ready to have business with their company. She then insisted that the right time to start making savings is NOW, that I would regret in the future if I let this opportunity slip away. She said that they are not offering second chances should I decide, come back and avail of the plan. (Really?!… wow..) It will be now or never. She said that if I don’t get their savings plan now, it means that I have not recognized the value of savings and that my priorities are not right for my future plans. Wow. That hit me. That was a little below the belt. (Just how much have they saved themselves on their personal account? or are they makings saving themselves at all?). Yet, I maintained a polite and professional atmosphere. I told her that had I not learned a little of the value of making savings and minding priorities, I could have used the money on my account to upgrade my degraded 3110 classic nokia, bought a personal laptop or fulfil my frustration on having a DLSR camera.. and more. I told her that it is just that I am not ready for it Now, that I need time for me to decide on it. I think that it really is foolish to rush in (wise men say.. hehe), in situations like this. Look, think before you leap(from the fable of the Fox and the goat.. hehe). Then another consultant came in to the rescue of my personal consultant. It’s them against me. The second consultant talks much faster and is more direct to the point.
She reiterates all the things that had been said by the previous one. The situation is getting pushy. Despite all the talks, I decided that I will leave their premises without money taken from my account. (I hope so. I will have to check my balance later.) I said no. It was almost a 4-hour battle. (Perhaps they let me go since Earth Hour which will start around 8PM, March 27 was nearing… time for them to make savings themselves.. maybe. hehe..)
They then lead me to one of their computer to play for the Car. Their willingness to assist me now has somehow faded. (I’m sorry). So I went on to play the game. It was like a slot machine where you have to match the the numbers that are rolling randomly to the numbers above it. They added that somebody from Luzon almost hit the car only that he miss 1 number. I only got 1 match out of 8.(haha.. that was worst… the person before me got 3). Then I dropped my ticket on their drop box. Anyway, after all those, it’s time for me to step out of their doors. Before I leave, they said I can get any of the items – wall clock, a gym bag, tumbler… for their appreciation to my cooperation. I told my personal consultant that I can leave without the item. She insisted.. And I do not want to fail her this time.. So I got the tumbler. Thanks! (Haha..)
I am sorry if my post had been very long. I wanted others to have an idea on the processes of PPLIC based on my personal experience with them. I hope this could be of help as had others posts been.
Hi po.. gusto ko lang po mgpasalamat sa lahat ng ngpost kc last month I was able to avail the same insurance: PHILIPPINE PRUDENTIAL LIFE INSURANCE COMPANY, INC. at SM CEBU. Pumunta ako ng sm mga 4pm nun kc imemeet ko sana ung bestfriend ko at para mkakain kc whole day ako d nkakaen. Eh timing pagbaba ko ng jeep ung entrance na pinasukan ko dun pa ung “raffle booth” nila near Mcdo. As I entered the mall, one of their agents (CHEVAS) pointed at my yellow blouse so xempre tiningnan ko, ang tanga ko kc tumingin pko ulit sa kanya. Eh d tinawag ako, ako naman si ms. Tanga lumapit naman ako tas aun!
Ang dami ng sinasabi.. â€ma’am, fill-up kau ng raffle na ito sandali lang ito..pwede kau manalo ng US$10,000 or Honda car..” ako naman kc wlang tulog at walang kain nung time na un, napa-OO agad.. inicp ko nun na sandali lang un tas pwede nko umalis.. naku! D lng pala un.. ang tanong pa nia eh “nakita mo b ma’am sa baba ung nakadisplay na car na mapapanalunan mo?” then I answered him, “nde eh kc minsan lng ako pumupunta dito…” tapos after nun hiningan ako ng id at tinanong ako kung mga credit card or checking account ba ko.. ako naman si tanga sbi ko “wala eh, atm lang meron.” Ung pinakita ko pang id eh ung â€alumni card’ ko. ang masama pa dun andun sa card nakasipit ung paper na may balance 2 days ago.. tas sbi nia “ma’am, pwede ba mkta ung balance today.. punta tau ng atm machine para proof na pwede kau mag-avail ng insurance..?” Ang bilis ng pangyayari nun.. buti nga ung isang kong atm nwala pero ang masaklap nun kc dun nakadeposit sahod ko.. eh d xempre alam na ni “chevas” ung balance ng atm ko, tas pumunta na kmi sa office nia..
Before kmi pumasok sa office nila, parang may pinapamemorize pa xa skin at tinitingnan kung maaalala ko ba.. sbi nia, ma’am pag nanalo ka ng 10,000 dollars wag mo kong kalimutan balatuhan ha.. size 8 ung size ng sapatos ko tapos ung pangalan ko CHEVAS.. tas last part pa, sbi “ma’am wag ka magNO ha kc maforfeit ung panalo sa raffle chka may free gift po kau mam..” naku tlaga! Kakabwesit! Xempre lumilipad utak ko kc lang tulog at kain oo lang ako ng oo.. ang akala ko sandali lang un.. nku! Umabot ng 3 hrs.. tang-ina sobra! Buti nlng ung PAL pwede pa mag-check-in kht late basta d pa boarding. si LANCE (MELANIE) ung nag-entertain skn ang daming sinasabi tas may iba pumalit.. etc2x.basta naconvince tlaga akong mag-avail. Sinamahan pko ng dalawang agents nila magwithdraw.. o dba? Cgurista! Tapos nung nkapagwithdraw nko, naicp ko na parang may mali..pero dko lam bat dko nlng kinausap na d ako kukuha ng insurance nila..ang pgkaalala ko kc dati nakapagpirma nko ng forms at may NOTICE TO WITHDRAW FROM ACCOUNT sila na form na pinirmahan ko tapos HINDI PA BINALIK ung form after kong magbayad.. kc nakalagay dun “This is to authorize Philippine Prudential Life Insurance Co. to withdraw the amount of 2*,***.00 of (Name) having the account no. ******” I was so stupid kc nung kinuha nila ung atm ko, alam kong ndi cla mkakapgwithdraw nung kc d nila alam ung PIN. Binalik skin ung card, sbi “ma’am, may problema ata ung bank nio pwede kau nlng magwithdraw..” HELLOOOOWWWW! ATM yan ndi CREDIT CARD! Grabe un! Ung laman kc ng atm ko that time mga 30k ata, tas sbi ko ni lance ung starting daw is 28,551.00.. tinanong ko if may lower pb na amount sb b nmn skin is standard na daw un.. naku! Grabe! ANO SA TINGIN NIO? Kung magkano talga makukuha seo un ung standard nila noh??.. grabe un! Sobra!
I didn’t wear my watch at that time kc naiwan sa probinxa, kya pagtingin ko ng phone ko ang daming missed calls at txt ng bestfriend ko.. ndi ko tlaga napancn ung time..kc naman ang bilis mgsalita ni lance. Wala talaga akong nadala na papers kundi ung OFFICIAL RECEIPT ng binayaran ko, buti nga kinuha ko ung OR kundi wala talaga akong mkukuha na refund. Wtf! Pagdating ko ng manila, kinompute ko ung sa insurance na snabi skn, at sinearch ko sa net.. lahat ng nabasa ko puro scam.. sobrang shock ko.. I called my bf at kwenento ko ung nangyari skn.. and we decided to go back their khit pareho kaming wlang tulog.. buti mura lng pamasahe nmin papuntang cebu.. grabe un! WALA NA NAMAN AKONG TULOG AT KAIN! Kc xempre kararating ko lng ng manila nun tas binalikan pa namin.. I told him and my sister, “Oo nga ung pera, pwede mo pa ma-earn un.. ang skin lang kc ung thought na NALOKO AKO.. ndi naman ako nahold-up or na-snatchan sa manila dun pa sa cebu! Parang hold-up un na harap-harapan eh.. I don’t want to keep asking myself the same question after last night, “WHAT IF?”” Grabe un tlaga! Ung natira kong savings naubos kc xempre kasalanan ko nmn un, nkakahiya kung ung bf ko gagastos ng malaki.. but alam nio, worth it na binalik namin kc nung time na un, 2 days akong wlang tulog at kain kc shock tlaga ako nun..nakatitig lang ako sa ceiling tas pg lumalabas kmi tulala ako bigla ung d ko napapancn tulala na naman ako.. nagging ok lang naman ako after a few weeks eh.. kc khit npacancel na naming, parang andun pa rin ung doubt na baka d namn pala talga kinancel.. ADVICE KO LANG SA MGA MAGPAPACANCEL: “wag kang mgpadala sa mga sinasabi nila at magsama ka ng taong pwede kang ipagtanggol.. wag kang pumunta dun na mag-isa ka lang kc paikot-ikotin ka lang nila para ndi mo mapacancel ung insurance na na-avail mo..chka wag kang magbait-baitan kc walang mangyayari seo..hehe..” maswerte ako nun kc ung nagsasalit para skn nun is ung bf ko.. ikaw ba naman, shock, 2 days lang tulog straight tapos lang kain.. naiyak na nga ako nung time na kinakausap naming ung “manager” nila eh.. tas aun nung narinig ng “manager” na tatawag ung bf ko ng lawyer sbi nia â€ndi naman dapt umabot sa ganun sir eh..’ kaya sabi namin “ung pinunta naming dito is magpacancel, wag mo paikot-ikotin ung pinag-uusapan natin dapat nga ung ididiscuss mo sa amin is ung requirements ng pagpacancel ng insurance..” eh d xempre ok na napacancel na, sbi ba naman, kunin daw ung letter of cancellation at original OR eattach daw dun sa insurance.. sbi ko, “Ms. ETO NA NGA LANG PINAGHAHAWAKAN KONG PROOF, TAPOS KUKUNIN NIO PA? UNG XEROX NA BINIGAY KO SA INYO, UN NLNG EATTACH MO NOH!” bwesit! Akala cguro bobo ako..
Finally nakuha ko nman ung refund ko this wk lang at buti sinama ko ung bestfriend ko na tinulungan talaga ako sa “pagconvince” ng agent na makuha ung cheke… na but nagtatalo pa rin kmi ng babae kc sbi nga ndi valid id ung alumni card, eh xempre ako wala naman akong driver’s license.. sbi ko, “miss, ang aga ko knina sa office nio, pagbukas pa lng ng sm andito nako tas sbi mo 12nn pa darating ung may hawak ng cheke kaya pinostpone ko ung trip ko tas ngaun sasabihin mo ndi ko pwede mkuha ung cheke kc dapat 2 valid ids?? Bkt ung prc id d pb sapat un? Gusto mo bumalik pko ditto ulet??? Dpat in the FIRST PLACE, HINDI NIO KO PINAKUHA NG INSURANCE KC ALUMNI CARD lang dala ko nun tapos ngaun papahirapan nio ko sa pagkuha ng refund??” nku talga! Kung ndi kmi busog ng bestfriend ko nung time na un baka sinabunutan na naming ung babae.. kainis sobra! Sbhin ko nga, dpat nga cash ibayad nio skn kc cash binayad ko! bwesit! Natawa pko kc kinuha ung atm ko para ixerox, sbi ko “ok lang wala k namang makukuha dyan kc 500 nlng laman nyan!” Share ko lang kc sbi ni chevas eadvertise ko daw sila WORD OF MOUTH..:)
@cherry78
wow.. buti nalang nakuha mo refund mo…
grabeng inconvenience inabot mo..
bumalik ako ng SM Cebu today para i-check balance ko kasi na-swipe din kasi yung atm ko sa office nila.. buti na lang balance inquiry lang talaga yung transactiong nangyari..
Ang problema kasi sa strategy nila ay yung processo ay deceiving at umaabot sa point na medyo pamimilit na.. Dinadala ka nila sa bilis ng mga pangyayari na endi ka makapag-isip-isip ng maayos.. (wala din akong tulog n’un kc galing shift).. dapat hindi sila magmadali.. bigyan ang tao ng panahon na makapag-decide.. sa case ko, nung sinabi kung pag-iisipan ko pa, sabi nila di na ko pwedeng bumalik ulit dahil yun lang ang chance ko… pro buti nalang at nag-insist ako na hindi ako handa at di ako mag-aavail ng plans nila hanggang di ako makapag-isip ng mabuti…
kaya nga nag-post din ako ng experience ko para yung iba na mahaharap sa parehong sitwasyon ay makapag-isip isip bago umuo sa kanilang pakulo…
@emil: buti naman nakapag tanggi ka, just shows how people who are put in those kinds of situations can still say NO, even if the sales agents are being pushy because of their training, as long as we are firm with our decision we can always decline the offer. hahaha malas naman 1 out of 8 lang nakuha mo… I myself got 3 out of 8 also pero kumuha ako nung plan nila kasi I think babalik din naman yun pagdating ng panahon.
@cherry78: congrats at nakakuha ka ng refund.
hi everyone! seems like madami-dami na tayong niloloko nitong mga ito. last saturday i was at the mall, sa southmall. hinarang kami ng sales rep nila tehn sinabi din na anniversary promo daw nila, maglalaro lang daw kami. kailangan lang daw ipromote yung company nila. akal namin doon lang sa baba, maya-maya pinaakyat na nila kami sa room nila. sabi nung sales rep it will only take 45 mins at pwedeng hindi tapusin kasi hindi lang sila pwde magsabi ng ibang time. ipapakilala lang daw yung company nila. e di out of curiosity, sama kami. sabi nyo nga likas na mabait ang mga pinoy. so noong una, okay pa, hbng tumatagal yung discussion, nkkita ko na yung point nya. gusto ng presentor na mag-avail ka ng what they called “insurance”. syempre noong una, chichika-chikahin ka about your family. noong, tumatagal na, ginagabi na ako. nagpakita na ako ng discomfort at hindi na ako interesado. tinignan nila ung atm ko and credit card, sana nga hindi nmn nakuha ung number. kc i never handed it to them. tinignan lng nila at sana naman hindi sa ganun kabilis nila nakuha ung number ko. the only thing that worries me e nagfill up ako nung form na pang-PROMO lang daw un. syempre i signed that document, baka may gawin sila. mali talaga to trust someone, kung kaduda-duda, wag na kayo sumama. sasaqyangin lang nila oras nyo at ipapahamak pa kayo! hindi nmn namin natapos yung usapan kasi i really insist na kailangan na akong umuwi. sana lang… sana matapos na panloloko nila god speed…
@elisa: buti nalang na assert mo yung right mo na tumanggi sa kanila hindi tulad ng mga iba sa atin na napabili ng produkto na hindi naman nila gusto. Dahil sa comment mo maaaring makita ng mga mambabasa na nasa atin parin ang choice kung gusto natin tumanggi or huwag tumanggi. Peace
Hi everyone! Share ko lng po experience ko with Prudential Life. I was in Sm South mall last tuesday. I was about to go home when on of their reps approached me. She said exactly the same thing like, it’s not gonna cost anything and that they just want to promote their company..They even offered a gym bag and told me to just use it and promote their company. But then she said that she’ll just get me a new gym bag for the one they have on display was dirty. So I sat down and listen. Then she mentioned that I can win a brand new car. Afterwards, I was told that they’ll just give me infos about their company
hi thanks to this blog I joined PPL @ SM- Cebu, last march 29,2010. I saw this blog site the next morning. I was depressed why I signed up and debited 25000 on my atm. Upon reading few comments here it helped me do some actions by canceling my policy account. I rushed to SM cebu with my cancellation letter and informed them that I want to cancel my policy and my full refund, it took us 2hrs to cancel it but atleast I was able to cancel the policy, as written on statement of account- policy account -canceled, as promised they will refund the amount after 30-45days. Because of exhaustion I wasn’t able to have my copy of the letter of my cancelation ( photocopy) because i forgot to ask for it.
Do I need to have a copy of my cancelation letter? or SOA is enough? please help me..
thanks
to mo: much better if you have a copy of the cancellation letter to serve as ur proof in the future, if some problems might occur in the future…when i cancelled my policy in their main office,they were the ones (PPL) who provided me with the photocopy of my cancellation letter..
hi guys! just really want to thank most of you who posted helpful information about these people from PPL. It helped me a lot last week. My experience was like this.. They have been calling me for a month at home telling me I won a so-called scholarship. They did not even say which scholarship it was and yes indeed they asked for 3 ID cards for identification which included a credit card. Actually it got me confused how come a credit card is imperative for identification so I ended up not going. I was suspicious. I had 2 digit missed calls from both of my phones and numerous text messages on the day I told them I will drop by but never did.. and then they stopped so I thought they have given up on me. Last week, they called me again and obliged myself to going a few days later. Warning, they are also located on the 14th floor of Keppel Bldg. at Cebu Business Park which is a pretty good front for them. I was accompanied by a friend (out of curiosity) and we playfully agreed to run for life once they start convincing us to buying something. Those people there really know what they are doing since I find it to be a well-orchestrated set up. It seems they know all kinds of objections from their prey and corners them so well. All of sudden, so many of them pop out from out of nowhere, pushing you to the corner.. everything just happened so fast and yes it caught me off guard to the fullest sense of it.. perhaps at the same time I was half convinced of the way they had tag lines like ‘savings for life’ and ‘we teach you how to save your money’.. perhaps I was just too polite which they have really taken advantage of.. anyways, I was only supposed to look for their number online since they did not give me one which they said they did and presto! the scam stared blank at me from my computer screen.. My regret was why I never got to goggle them before going, I was just so unassuming! The next day I first went to MB and filed for a dispute. The lady was kind enough to ask, SM mam? insurance? to which I added, prudential?.. ‘there are so many of you already.’ All she wanted was a letter of cancellation from Prudential so that the amount will be charged back to me. So that afternoon, armed with what I know, I brought my officemates and a friend from the media. Indeed, the agency manager bullied me at first and wanted my friends who were not involved to step out of his room to which we answered in unison NO!.. He got angry because he said we were in his office and that I should not shout. He read my letter of complaint/ cancellation. He had delaying tactics here and there. He kept telling me at first that I could not cancel my 20-year Endowment plan etc.. etc.. they really tried bullying us, entering the room one by one.. At some point my media friend put on her ID. He got distracted with this and started to mellow down and told me they can cancel my account but it will take months.. I insisted and I kept on insisting.. I told them I had enough and will not listen to their lies and deceit anymore.. when I saw that he was still stubborn, I got my phone and called my sister.. I asked where the TV reporter was (from a major network) and prompted me they were near SM already.. to this, he slowly got up and did something outside. It took him awhile to construct such a short letter. Then he came back and my plan was cancelled with full refund. Everything was documented and signature affixed where necessary. He promised a refund in 2-3 weeks. I went back to MB and they processed my papers. I called them again this afternoon and told me to wait 2-3 weeks for processing. My friend from the media told me to make the necessary followup and if not done in 2-3 weeks I will have to level up my complaint.
I gave them back everything they gave me, 2 scholarships and 2 accident insurance for free. He told me it was mine. I told him I did not want to have anything to do with them.
I will have to wait until then but we are thinking of exposing them. MB tells me they are a legit company only that their marketing strategies are questionable. That is why they cannot be blacklisted. I wonder what protection the consumers have for people like them.
@mo: my letter of complaint etc. which contained the details of my transaction were photocopied by MB and the originals given back to me. Perhaps that is helpful. You did not say to whom you gave your letter of cancellation. I do think you need a copy as it takes longer for your refund and as my media friend told me, document everything. Hopefully you get it by then (30-45 days) but if not, in case you need to pursue them again you might need those documents.
@mo: ung skin kc lahat ng documents ko may photocopy ko, except for the last part na nkuha ko n ung refund kc may pinasign cla skn na affidavit na i cannot sue them kc nakuha ko na nga ung refund and everything.. matalino nga eh.. d pumasok sa icp ko kunin ung copy kc medyo kabado pko nung time na un..everytime mkta ko ung booth nila kabado ako at napapamura talaga ako.. hehe! pero ok lng un kc binasa ko namn ung affidavit.. basta mo may proof ka lng na na-avail mo nga ung policy like OR at ung STATEMENT OF ACCOUNT na ibibigay nila sayu tas nakalagay sa POLICY STATUS na CANCELLED FROM INCEPTION (CFI) or sa CA STATUS na CANCELLED.. kc ako wla talga akong copy nakuha kundi ung OR lang.. kung dko pa kinuha ung OR wala akong mkukuha khit piso nun.. thank God tlaga..d Niya ako pinabayaan.. good luck seo mo..:)
@emil: onga eh.. grabe un.. naabala ko pa ung bf ko na wala ding tulog pagpunta ng cebu kc 2hrs pa xa ngdrive para umabot kmi sa first flight papuntang cbu kc un lng mura eh.. grabe tlaga cla.. makoncnxa sna cla sa gnagawa nila.. karma is a bitch p naman.. hehehe!
sa lahat mag-ingat po kau lagi sa mga taong katulad nila.. ako I’VE LEARNED MY LESSON.. DON’T TALK TO STRANGERS lalo na pag EYE-TO-EYE.. hehehe! mahypnotized kpa agad.. hehe! GOD BLESS PO SA LAHAT…
hi! i am a victim too…yesterday, i went to SM pampanga just to unwind and then sum1 invited me to their office…presto! feeling ko naholdap ang savings ko s ATM…dhil ndi nga me mapakali…naisip ko n icancel n endowment policy n na avail ko khapon…so i tried to call the customer service knina pero naubos ang load ng cellphone ko ng walang sumasagot n CSR…alam u ang feeling n kinakabahan k n bk hindi n bumalik ang pera u…and then, nag net ako… eto nga nabasa ko mga comments nyo…thank u sa lahat ng comments nyo…i will go to SM pamapanga tomorrow n dala lahat ng mga documents at ready sa lahat ng gagawin ko…i just want to cancel the policy and full refund of my money….
to cherry78 di ako nakatulog kagabi ksi nasabit din ako sa scam na yan kahapon. paano ba itsura ng pinapirmahan sa yo? kasi may form ako na filled up about personal info at beneficiaries, yun na ba yun para sa policy? nirerecall ko, hawak ko lang credit card ko, i think hindi naman na swipe, baka ksi macharge ako next billing then huli na para mapacancel ko. may policy ba na pinirmaha ka/binigay sa yo?
wooried ako kasi baka yung form na pina filled up sa akin un na yun gagamitin sa policy, baka sabihin pumirma na ako contract, sa bandang dulo ksi may signature ako. Ilang forma ba ang pinapirmahan?
upon reading all these..im a little bit worried now..i just got an insurance for my mother 3 months ago, though its only P500+ per months malaki rin yun kung susumahin mo na lahat ng binayad mo…nabasa ko ung ad nila sa bulletin and its called PRIME 40….sa tingin nyo po ba ok naman eto???? some advice plssss!
@Joy: ok naman yan, sa mga comments naman legitimate talaga yung company so secure yan naka register naman sila sa Insurance Comission. Nag aagree din naman si Arpee sa akin na good investment ang Insurance. Long term lang talaga yang mga ganyan. I think you should keep it para pag maynangyar sa mother mo merong nakatabi for her.
hi… ask ko lng if my mangya2ri kya sa credit card ko kc naka avail aq nyan bnawas nila 8thou plus… nung swipe nila how come na e honor ng bank kc nalaman ko na lng na laman na lng pla nun is 6thou plus… kc di ko nman gnagamit yun parang maintaining balance ba!automatic cancel b yun or what?
thanx
@anne: thanks so much!
Guys,
Pls. help me, how do I compose the cancellation letter? Pwede ba tagalog? Ganito ba takbo ng leter ko:
I want to cancel my account/ insurance because after a week long
reflection on the cost of maintaining another insurance (may isa na ako insurance at 10 yrs na ako naghuhulog, kaso namimilit yung kausap ko) I found out I couldn’t pay for insurance premiums simultaneously given the financial situation I am facing now as the sole breadwinner of my family….
Pwede na ba kaya ito or kulang pa expalanation ko? Kasi may 2 pa akong dahilan namely, kulang ng time sa pagdedesisyon ng mabuti kung kailangan ko nga yung insurance nila at kung kakayanin ko talaga financially dahil may time pressure sila at may deception sa kanilang part…
Sa SM Pampanga ako nadale noong April 4 2010.. pero pwede kaya na sa main branch nila sa makati ako magfile ng cancellation letter o makipag usap na, kasi sa QC naman ako nagtratrabaho. Tinulungan na nga ng manager yung kumausap sa akin kasi hindi ako makumbinse ng babae, eh gusto ko na umalis dahil gutom na ako ng oras na iyon at yung mga kasama ko hinahanap na ako…. Originally P19,899 something ang cash out or idedebit sa CC ko, pero ng sabi ko hindi ko kaya, binigyan nya ako ng other plan, yung P9,835 nga, na hindi iniexplain sa akin ng mabuti bakit naging ganon ang halaga, at ako naman hindi ko naitanong bakit biglang bumaba at para sa anong plan naman yung halaga na iyon kasi nalilito na ako at gutom na, acidic pa naman ako bawal ako malipasan ng gustom. pati iyong iba na dapat mabasa ko muna bago ko icheck kung yes or no, sabi ng babae check ko na lang lahat no at pirmahan ko na lang, tas later sa bahay nabasa ko na dapat may mga yes pala akong sinagot tungkol dun sa health status ko… kaso hindi ako binigyan ng sapat na oras basahin yung application at iba pang dokumento. Pero sinabi ng manager na may 15 days daw ako para umurong kung hindi ako satisfied.
Mga kasama, please help me!!! Gusto ko na sya i cancel kasi ngayon ko napag isip isip na hindi ko pala kakayanin. Maraming salamat sa tulong nyo!
Guys, may nakita na pala akong guide ng cancellation letter dito sa responses nyo, sorry, hindi ko lang agad nakita.
Anyways, hope you could still give me advices sa step na gagawin ko
@FB,copy paste mo cancellation letter ni rash rashid. un gnamit ko den lagay mo kailangan mo un pera para sa medical expenses ng kahit sino family member mo. photo copy mo lahat ng documents at ng cancellation letter at lahat ng pinirmahan mo.Dalhin mo lahat un sa Main office sa Ortigas CEnter sa burgundy tower.sa caqncellation letter mo wag mo kalimutan lagay contact number mo kase dun ka nila tatawagan. Hanapin mo si Miss Ginny Santamaria mabait un siya ang kumuha ng cancellation letter ko.pag bigay mo ng cancellation letter hintayin mo pirmahan nila yong copy mo ng recived. 30 working days bago nila ibalik pera mo,sigurado ibabalik nila un,tatawagan ka nila kung kelan ka pupunta doon para kunin cheque mo. 2 valid ID ang kailangan mo para makuha cheque..good luck… main branch nila sa Ortigas Center…
@ivy,
Maraming salamat sa reply mo agad. Kailangan ko pa ba sabihin kung saan ko gagamitin yung pera or may dahilan kung bakit need ko ma refund ang pera? Kasi noong una pa lang, sinabi ko na naman na sa consultant at doon sa pinakilalang manager na pakiramdam at tingin ko, hindi ko kaya na kumuha pa ng ibang credit na ang pag presentation o pinalalabas nila ay savings or time dep. lang dahil sa sabay-sabay sa ngayon ang mga gastusin ko lalo pat maraming kailangan ipapaayos dun sa hulugan kong bahay na isang taon pa lang namin natititarahan. Pero totoong kailangan ko yung pera kasi nga ako ang breadwinner sa amin at ngayong darating na panahon ay may pinaglalaanan ako sa perang nakuha sa credit card ko? Kailangan bang matindi ang rason na ilagay ko sa letter?
Kaso hindi kaya maging problema na yung binigay na kopya ng application ko ay xerox lang, katwiran nng personal consultant baka daw kasi ma misplace or mawala ko yung orig kaya photocopy na lang binigay nila para sa kanila pa rin ang original..
Maraming salamat ulit. Sa Ortigas office na lang ako pupunta kesa dumayo pa ako ng SM Pampanga, update ko rin kayo kung ano resulta ng gagwin ko.
typo:
hindi ko kaya na kumuha pa ng ibang “insurance”
@ FB..ppunta kba sa ortigas office? keln?
i was invited in also yesterday..i got my tumbler and a clock..hihih..sayang nga eh..i got 3 number correct dun sa game na pindot ka sa screen..I just said im not interested..im not interested, im not interested to buy,,,well yun naman sabi ng naginvite sakin eh. insurance daw but to obligation to buy anything..yun lang cnabi ko..
@mav
not sure, baka Monday or Tues. basta early in the morning, para tuloy na ako sa work ko tapos doon.
why don’t we all go? one at time, listen to their sales talk, orientation, then if asked for the credit card, “oooooh we forgot”, sorry to waste both our time. xD
gusto ko na rin pacancel yung sa’kin..type ng plan ko yung wealth builder..haayzz.. i want my money back..
@Mav,
kung ka ka insured mo lang, pa cancel mo na habang maaga pa… kasi sayang naman ang dp/pera mo kung hindi mo rin sya itutuloy pala, magagamit mo pa sa ibang bagay. But if u need insurance, think harder about continuing it
I had encountered the same thing just yesterday,Apr.11,2010 at SM soutmall Las PiĂ‘as..same stories all of you guys have made mentioned..i’m about to cancel it afternoon coz my husband was there this morning working for the cancellation but they told my husband that my presence is needed there..i do not knopw what will happen later, thanks for all the infos. ive read from all of you..
I joined this blog to provide balance last Saturday, 4/12/10. Bakit nabura ata? Anyway was just saying that buyers like us have a responsibility to check and scrutinize whatever good or service we intend to buy beforehand — failing which we forfeit any right to disown or repudiate the sale. This is the universal tenet of BUYER BEWARE. In principle, a buyer may repudiate the sale if it can be established that he was underaged, mentally infirm, etc., or if the sale was characterized by the element of coercion or some other anomaly. Otherwise said, fairness dictates that we as buyers must first examine where exactly the fault lay (sa buyer ba o seller) before we condemn any company wholesale. The other point I wished to drive at is that life insurance as a financial product has long proven itself as a timely source of financial succor in the event of death, disability and/or old age. It should not be dismissed so readily as a “racket”, let alone, a “scam” because its value is recognized worldwide.
I concede that perhaps the source of confusion is the relatively new mode of marketing that is called telemarketing. Unique, creative and swift, telemarketing is often mistaken as some form of deception [where does it lie?] or even “hypnosis” [please!]. But, again, if it is legally recognized and publicly employed even in more progressive Western nations, why not here in the Philippines?
Siguro sa pamamaraan lang o marketing approach nagkakaiba sa traditional style but the financial product known as life insurance per se is above reproach.
to Mam joan b. bristol .. I’m from Las Piñas and also a victim of this scam..I managed to cancel my plan last april 9,2010.. yap kelangan po na personal kau na pumunta dun and dalhin nyo po lahat ng docs nyo including un receipt ng payment nyo. Punta lang po kau dun at hanapin nyo un consultant agent nyo,after that you need to talk to a customer service representative. Gawa po kau ng letter of cancelation. Mam if you want you can txt me on this number..09185480525.. Biktima din po ako kaya alam ko kung ano ang nararamdaman nyo..
there is no argument that life insurance is a good investment. but if you read the entire blog post, it was the marketing method where no such disclosure of insurance selling was ever made until it is almost too late. calling a stranger and telling them that they won money and a new car, while NEVER mentioning that the whole thing is all about selling insurance is a no-no, IN ANY INDUSTRY. telemarketing is not even the gripe here. ok lang yun. i politely say no when offered something i dont like and buy it when i want it. pero wag niyo papuntahin yung tao sa malayong lugar, panahon yun saka pamasahe, kasi pinapaasa mong nanalo kami sa raffle na hindi namin sinalihan, panloloko na yun di ba?
agree ako kay arpee kc pinapaasa nila ang mga tao.. During that time mag isa lang ako nagpunta sa SM at nagkataon rin na empty batt ang phone ko kaya dko namalayan ang oras. Ang sabi sa akin it will take 45mins only. But it took about 4 hours. Pinapaikot ka nila at binobola. Para ka nga tlga nahi-hipnotyze sa mga sinasabi nila. Nun umatras na ako kc auko tLga ng inoofer nila, lumapit sa akin ung manager at xia nman ang nagsalita. Tiningnan nya ang credit card ko at sinabi na ichechek lang kung papayagan ng bangko ko pag d pumayag eh d sorry na lang daw. I thought that is phone banking pero hindi! gosh! naiswipe ang credit card ko without any authorization. Ewan ko nman at bakit pa ako pumirma although I know na pwede pa nga clang kasuhan kc naiswipe un cc ko w/o informing me. Putang ina tLga cLa!!! I’m just upset with these kind of people. Kapwa natin pilipino niloloko. Malaki man o maliit ang nahuthut nila sa atin dapat hindi nila ginagawa yun dahil bawat sentimo ay pinaghihirapan natin iyon. I cancelled the contract last april 9,2010 and I’m hoping na maibalik un perang nadebit sa cc ko. Hindi lahat ng bagay ay dinadaan sa pagmamadali dapat pinag iisipan ng mabuti. Wag basta magtiwala,lalo na sa mga unggoy na naka poLo at neck tie na umiikot sa mga malls!!!!!!!!!! Lintik Lang ang walang ganti..
@ Kon Sernd Sitizen
investing and insurance are good things, hindi masama yon.. kaso by the way they had us into entering or acquiring the insurance, hindi good way eh.. Nung kumuha ako ng insurance sa philam, hindi ako pinilit ng agent ko pero inalok nya ako, binigyan nya ako ng application form. At that time, maliit talaga ang sweldo ko but alam ko magandang bagay ang magka-insurance na ako so inuwi ko sa bahay at napag-isipan ko ng mabuti, tapos dinaanan na lang nya ulit kasi nafill upan ko na… that was 2001.. na ipagpatuloy ko hanggang ngayon kasi kaya ko sya.
@all
Nagpunta na ako kaninang umaga, kinuha lang muna ni ms carla ang cancellation letter ko, kasi sabi nya hindi raw nya macaccancel ng basta basta, only the manager kasi assistant lang daw sya….tinanong nya ako saan ko nakuha ang format ng cancellation letter ko, sabi ko sa net… ang next na tanong nya, kaya ba daw ako magcacancel ay dahil sa blog (na nabasa ko)… sabi ko hindi… and stated my reason which i already said here. Pinasulat nya sa cancellation letter ko reason ko… sabi ko nung time pa na kinausap ako ng manager sinabi ko na baka hindi ko kayanin magbayad ng monthly premiums, pero sinabi ng manager na may 15 days free look or trial naman, so na-swayed ako. Sabi ni ms carla, within this week ay malalaman ko kung approve ng management? Ganon ba yon? Hindi ba dapat right ko na mapa-cancel yon? Pwede na ba akong magreklamo sa Insurance Commission nito kapag within this week hindi nila aprubahan??
Habang nasa bus papunta ng Ortigas (btw, ang traffic sa edsa south bound kanina!) ni review ko yung mga xerox copies ng orig documents na dala ko… Yung authority to debit na pinirmahan ko may note pala sa bandang baba na “This is NOT to verify the bank or credit card blah-blah” kanina ko lang narealize na yung pinirmahan ko ay intended talaga na magdebit/kumuha ng pera sa cc ko. Pero ang sabi ng personal consultant ko habang pinapapirma nya ako dun sa form na yon , check lang daw kung approve sa bangko or cc… siguro kung nabasa ko yon ng mabuti at ng ilang ulit, malamang hindi ko na lang basta basta pinirmahan yon. Hindi ba parang nanloloko sila kapag ganon ang pananalita nila tapos iba ang mga ginagawa nila?
Tapos nabasa ko pa yung parang report ng personal consultant kung paano or gaano nya ako kakilala at ilang oras nya ako nakilala para masabi nya na ok akong bigyan ng insurance – nakalagay doon 1 1/2 hours… ngek!
hi guys and to moderator ng blog na to.. i’ve been reading this blog for 3 day na..from beginning to end to balance everything if i made na right decision or maybe to ask for opinion na rin. well kasi its very confusing na rin whether scam ang company or just the marketting strategy. I mean, the moderator ng blog even stated na yung strategy lang naman ang ayaw nya ang the product itself eh wala naman xang problema, (wiell maybe i cant say that, kasi indi naman xa nakapag avail to know if the product is good or not) then may iba naman who claim na scam yung company.. uhm nakapag-avail ako last march 27, 2010. and im still confuse..I believe the product is good, I had the same experience how they did they strategy to gain clients and it was a very eye opening experience . Should I cancel the plan or not?
to fb: dapat sinabi mo kay miss carla na sinabi sayo nung manager n ichecheck lng nya if approved ung credit card or atm mo, tpos bgla na lng naswipe nila..sa sm pamp din ako nkpgavail ng plan n dumiretso nko sa ortigas office nla for cancellation..dapat be firm sa lhat ng cnsabi mo, nacancel ko ung policy ko that same day..
hi sa lahat ng mga nag comment..maraming salamat sainyo nakatulong sa amin.last sunday april 11,2010 nakapag-avail din kami ng asawa ko sa ppli ng sinasabi nilang insurance daw na un.shit di ko namalayan naswipe na ung card ko i’ve charge 12,000 pesos.pag uwi ko sa bahay namin nag isip kami ng asawa ko nasabi ko shit naloko tayo.so early in the morning april 12 pumunta ako ng sm southmall para ipacancel ung transaction ko so kinausap kami ng costumer service rep.nila madami tanong bakir daw gusto namin ipacancel sabi namin ung dahilan.pinagawa kami ng letter for cancellation.at salamat sa dyos napacancel namin ung policy dat day,ngayon april 13 punta ako ng banko para isubmit ung letter para maibalik ung nacredit sa card ko.maraming salamat sa lahat ng nag comment sa..malaking tulong sa aming mag-asawa..sana maisip nila ang kanilang mga ginagawa..thanks godblesss….
everyone in here please i need your advice regarding my situation. i availed the endowment plan last september 2009. it was exactly the same thing that happened to me as mentioned in the previous posts. the agent told me he will see if i can avail of the plan by checking my atm. it had 38,000 and 16,800 was deducted from it. when i arrived at home i have decided to cancel it because i was afraid my mom would learn about what i did. the next day, i called their office at SM North where I availed the plan, I was instructedto drop by their office and make cancellation letter and so I did. But when I came there the manager talked to me and was persuading me again for another bogusness. I was told that I can only get my money after a year, that i can continue with the plan in that case i could either pay monthly for 1610 or just leave it unpaid. so i just left the office and did no further action. after a month i received a notification letter informing my first due date of payment for october. i didn’t respond nor did pay. after a few days i already left the country and had no any news about the plan. but last december 2009 i received an email from PPLIC that my plan is now on pastdue status, it was stated by the agent that my account was insufficient making my plan on lapse status. I actually intended to leave my atm almost empty so it won’t be auto debited every month. in reply to the agent, i stated that i plan to cancel it again and he said that i should raise my concern to the authorized person and send email to mypolicyphilprudentiallife.com. Guys please help me, what do you think is the best action for this? Please enlighten me. I’m still hoping to get my money back. I’m still out of the country and will go back in PI this month. What shall I do?
everyone in here please i need your advice regarding my situation. i availed the endowment plan last september 2009. it was exactly the same thing that happened to me as mentioned in the previous posts. the agent told me he will see if i can avail of the plan by checking my atm. it had 38,000 and 16,800 was deducted from it. when i arrived at home i have decided to cancel it because i was afraid my mom would learn about what i did. the next day, i called their office at SM North where I availed the plan, I was instructedto drop by their office and make cancellation letter and so I did. But when I came there the manager talked to me and was persuading me again for another bogusness. I was told that I can only get my money after a year, that i can continue with the plan in that case i could either pay monthly for 1610 or just leave it unpaid. so i just left the office and did no further action. after a month i received a notification letter informing my first due date of payment for october. i didn’t respond nor did pay. after a few days i already left the country and had no any news about the plan. but last december 2009 i received an email from PPLIC that my plan is now on pastdue status, it was stated by the agent that my account was insufficient making my plan on lapse status. I actually intended to leave my atm almost empty so it won’t be auto debited every month. in reply to the agent, i stated that i plan to cancel it again and he said that i should raise my concern to the authorized person and send email to mypolicyphilprudentiallife.com. Guys please help me, what do you think is the best action for this? Please enlighten me. I’m still hoping to get my money back. I’m still out of the country and will go back in PI this month. What shall I do?? Help me.
to jem,
hindi ko na sinabi yon kay ms carla, kasi naisip ko napirmahan ko na kasi yung authority to debit pero hindi nga nya sinabi ang totoo na pag chineck nya ay automatic debit na sa cc ko. Kung tutuusin ay ok sa akin na magkaroon pa ng another insurance, kaso talagang hindi ko kakayanin ang maghulog ng sabay sabay na premiums..sabi ko kung buigyan nila ako ng chance like a month from that date, baka maka pag isipan ko ng mabuti , pero ”today” lang ang offer nilang help sa akin.. kung magsusuffer sya na mahinto ako magbigay ng premiums within the 1st yr or anytime within the 7 yrs. its wiser to cancel it from the start.
@kina
Naku, parang complicated ata ang kaso mo? pero alam ko, kapag lapse na ang insurance mo, parang wala na.. iyong hindi mo na iintindihin bayaran pa, at yung mga past premiums mo, wala na rin.. pero kung gusto ma mareinstate, babayaran mo naman ang mga past dues premiums mo, na siguradong malaki kasi naipon sya ng ilang buwan.. maybe you can ask yung public assistance hotline ng insurance commission sa kaso mo. search mo sa mga replies dito, may nagbigay ng telephone number at email address ng insiutance comm.
Hi po.. Victim din po ako.. Anu po kaya pinakamabilis na paraan para po mapacancel yung policy and marefund? Last Friday ko lang po naavail yung plan.
Help po please.
FB, thank you. siguro it’s okay na rin if i don’t get my money as long as ma cancel yan plan na yan.
anyone please kindly send the telephone number and email address of insurance comm. i badly want to raise my concern with them. thank you
pubassist_ic@yahoo.com.ph ; tel. nos: (+632) 523-8461 to 70 and 404-1758, nakita ko lang yan sa mga replies dito
thank you FB..highly appreciated.
Hi everyone,
I’m sorry to hear what happened to you guys. Buti at di pa ako nabibiktima ng mga scammers na yan. Suplada kasi ako sa mall. Sorry na lang sila at di ko sila pinapansin.
I just had to react kasi baka you guys are complaining about the wrong company.
Just hope you’re not getting confused with these two separate companies Philippine Prudential Life Insurance Company and Prudentialife Plans Inc.
Ewan ko ba bakit pinayagan ng government / SEC na halos pareho ang name nila. Kawawa naman ang tunay na company insurance company at di scammer. Pati sila nadadamay.
Anyways, I tried accessing the site of Philippine Prudentialife http://www.philprudentiallife.com pero down eh. What I got lang yung nakacache ng google
http://webcache.googleusercontent.com/search?q=cache:ijU3MWv3R_8J:www.philprudentiallife.com/+Philippine+Prudentialife&cd=1&hl=tl&ct=clnk&gl=ph
Weird na down ang site nila. Baka nagtatago na. Don’t know when they started at kung sino si Danvil.
Yung Prudentialife Plans, Inc, their site is up http://www.prudentialife.com/. They started in 1978 and founded by Mr Alba. Their office is in Makati. http://www.prudentialife.com/customer_support.asp
Check ninyo na lang.
Hi! I want to share my experience with PPLIC sa megamall though di ako nag avail ng insurance nila. Sabi nila promo lang daw para makilala ung company nila maglalaro ako sa slot machine to win the Honda Car. Nilinaw ko sa lalake na if bebentahan nila ako NO ang sagot ko ang akin lang was to play. Nung nandun na ko sa loob kinakausap ako nung agent panay sabe nia saken ng Congratulations with matching handshake pa.. So napaisip ako na feeling ko nabebentahan nia ko. Sinabi ko kagad na di ako interesado sa insurance at kaya ako nandun is for the promo kasi un naman talaga sinabi saken.. Then sabe ko kung pede na ba akong umalis ayaw pumayag nung agent na lalaki. Sabe ko 2 hours na kong nasa loob and 45mins lang usapan.. Then ang kulit nia alok sya ng alok from 14k naging 6k then 2k hanggang sa naging 365 pesos then I said no pa din.. Then sinabi nia na libre na daw.. wala na kong babayaran mag iipon na lang ako still I said NO… then I was asking over and over again na kelangan ko nang lumabas kasi emergency.. Still they won’t let me out until tumawag na mom ko coz i texted my mom that they won’t let me out, I was stuck there for 2 hours. I feel harassed in a way kasi Ayaw nila akong palabasin tpos inooffer pa nia ung insurance and I said No talaga.. Until nagalit na ung sya sobrang kulit ko pinalabas na ko.. Funny though kung makulit sila na ipilit ung insurance mas makulit pa ko na sabihin sa kanilang palabasin na ko kasi RIGHTS ng kung sinuman ang mag decision na umalis kung gugustuhin nila.
Ibaba talaga experiences natin everyone’s opinion here kasi base sa experiences yan. Mine was sana If they want to clients mag benta sila in right manner di ung kukulungin nila and pipilitin nila ung tao. And sana pakilala nila ng maayos ung company hindi ung sabe promo pag dating dun pipilitin kang bumili. Ayt. Un lang guys..
Have a nice day!
@ greshie—hi, we almost had the same experience. if ikaw sa megamall ka, sa sm north naman ako and hindi rin ako nakapag-avail the plan nila. they were so persistent talaga and matyaga to gain the clients. I always said no and vow lang ako vow and asking kung pwede na ko umuwi since i was there lang naman for the promo. Sabi ko my decision is final and I won’t avail your product. well medyo okay naman nakausap ko indi naman to highest level ang pangungulit. indi nman umabot na uminit na ulo for that. And of course I was able to play the game and got the freebies from them. So guys. just stick with your decision, its your own choice.
Hi, while I too was “victimized” by a texter with the number 0905-4183608 who claimed that I won “3 Exclusive Rewards” from Philippine Prudential, my research showed that the SEC registered 46-year old firm Philippine Prudential is not the same as Prudential Life Philippines. I just wanted to clarify that. Please refer to the following post http://www.classifiedsph.com/adid/15898/Prudential-Life-Insurance-vs.-Prudential-Life-Plans
I also wish to encourage those who have been receiving such text messages to report them to the NTC as I have done previously. Indeed, these messages are irritating and insulting ploys to increase their sales. They seem to think that people are stupid. I hope you guys would also find time to write letters of complaint to SEC and DTI about the devious “sales techniques” of these companies so that they may be subjected to disciplinary actions. I have observed that a number of companies including those selling Club Shares and Time-Share Vacations are also using these techniques.
Hi, while I too was “victimized” by a texter with the number 0905-4183608 who claimed that I won “3 Exclusive Rewards” from Philippine Prudential, my research showed that the SEC registered 46-year old firm Philippine Prudential is not the same as Prudential Life Philippines. I just wanted to clarify that. Please refer to the following post http://www.classifiedsph.com/adid/15898/Prudential-Life-Insurance-vs.-Prudential-Life-Plans
I also wish to encourage those who have been receiving such text messages to report them to the NTC as I have done previously. Indeed, these messages are irritating and insulting ploys to increase their sales. They seem to think that people are stupid. I hope you guys would also find time to write letters of complaint to SEC and DTI about the devious “sales techniques” of these companies so that they may be subjected to disciplinary actions. I have observed that a number of companies including those selling Club Shares and Time-Share Vacations are also using these techniques, they “award” you with free accommodations to their hotels so that they could give you a “one-hour” sales presentation that lasts for almost half the day.
hello po sa lahat I was able to cancel my plan yesterday sa main office nila.. okay naman yung mga tao dun.. hope to receive the refund within 30 days…
thanks po sa ideas dito…
hi.. pwd nyo ba akong matulungan ksi nbiktima din ako kahapon.. ngayon, gusto kong ipa cancel pero hindi ko alam kng panu at kng anong idadahilan ko para iallow ako nilang ipa cancel yung insurance/plan n pnakua nla skin.. taga iloilo po ako and im a student..
marami na rin talaga gumagamit ng strategy to gain client using telephone. dapat masanay na tayo. like me ilang beses na rin ako nareceived ng call from different company kesyo may mga makukuha daw ,etc, yung iba free facial, massage, ganun then after ng kunting dotdot sa mukha mo they will talk you and offer their service..halos pare-pareho na nga sila, dapat lang talaga maging mautak din tayo and mag isip talaga.
Sino may alam ng Wealth Builder ng PPLIC..kind yan ng plan nila..i just want to know more something pa sana regarding this plan..
@ FB: kamusta na yung refund mo?
@mav
nacancel na sya kahapon.. isinoli ko na ang mga docs sa kanila. Need ko na lang maghintay within 30 days.
strange, nag comment na ako kanina telling what i did and what ahappened until yesterday, kaso hindi ata pumasok kanina.
Ok naman sila kausap doon sa main office nila, in fact wla nga masyado kaming pinag-usapan pag kasubmit ng letter ko.. sabi lang hintayin ko within this week ang sagot nila.. aba on the 2nd day, may tumawag sa akin informing me nacancel na ang insurance policy ko.
thank you guys for all the help!
hello po… i was also victimized by this scam. i got my insurance last nov. 21, 2009. is there a way para marefund ko po ung mga binayad ko s kanila na 6,650 as initial premium payment at 5 months na monthly which costs 1, 610? sino na dito ang naibalik ang pera pagkatpos magsubmit ng cancellation letter? please please please need help here ASAP. tnx a lot!
hi… thanks for sharing your experience… thank you for sharing on how to cancel the insurance.. i just have mine cancelled today. i’m relieve.. by the way, do i have to file a dispute letter? and how am i going to do that? can anyone give me a sample of a dispute letter regarding this insurance thing… please help me… thank you!
Hello sa lahat! gusto kolang pong ibalita sa inyo na nag reflect na sa Billing Statement ko ang refund ko na PHP 24,160.00. sa wakas nabalik narin ang pera ko. Salamat sa Blogsite nato, lalong lalo na kay ARPEE. Sa mga dipa dumarating ang refund, wait lang po kayo at kunting pasinsya lang, within 30-45 days babalik sa inyo ang pera nyo. God bless.
hi to all! i totally agree they are all scammers. 1 day was wasted because of this people. They deserve to be exposed. Anyone has any idea on how to report them in a television investigation like XXX?… My sister spent 2 hours in there because they wont let you go if you dont buy their life savings. My sister just asked for a paper proposal for her to bring at home inorder to decide w/ her husband pero hindi daw cla mag bibigay if hindi ka kukuha or mag sign. Galit na galit na ako sa labas kahihintay kasi sabi nila 45mins lng daw. pero naging 2 hours. kung hindi ko pinalabas sister ko baka more than 2 hours pa un. and in the first place hindi namin gusto sumama pero niloko kami. sabi daw na claim lng daw namin ung prize namin kaya sumama kami.. Can anyone help exposed these people?
as a followup of my experience last March 25, today I called up MB and they informed me the charges have been reverted. I am so thankful. At long last, it really is a relief.. I do agree people like them should better be exposed. Something like this should be stopped. Thanks as well for the bloggers and to those who shared enough, it has been helpful indeed.
@boying santos: pwede ka naman magsumbong eh.. dati ko p kc plan magsumbong sa imbestigador kc kawawa naman ung ibang maloko nila tas taga ibang lugar pa tulad ko.. dko tlaga magets baket pumayag ung sm mag-operate sila kc ako may trauma nko pumunta ng mga sm eh.. lalo na’t nabasa ko na meron sa sm north, sm pampanga, at sa sm iloilo meron din.. kc pagpunta ko sinalubong na naman ako kc nakita akong nakabackpack.. cguro tingin ng ahente tagaprobinxa ako at maloloko na naman ako.. its unprofessional rin kung mumurahin ko xa for no apparent reason tas sa loob pa ng sm.. baka sa sobrang inis ko sigawan ko xa ng MANLOLOKO.. tas aun! may kaso nko… hayyy.. anyway, eto po number ng imbestigador 928-4713 or ung mailing address ng gma from their website:
GMANews.TV
6/F GMA Network Center
EDSA corner Timog Avenue,
Diliman, Quezon City, 1101
PHILIPPINES”
“To contact our writers, contributors, columnists or editors send your e-mail to feedback@gmanews.tv with the name of the recipient on the subject line.”
Sana maexposed ung totoo.. if legal ba talaga ung company nila or hindi..sana maipalabas din ito sa abs-cbn, studio 23 at tv5.. kung ano man ung tv program na pwedeng magpalabas nito..
ako ang pinakabagong nayari nito.. hahahaa. natatawa na lang ako sa sarili ako.. lakas ng budul budul ng mga to.. akalain mo napapirma ako.. ayun talpog ang 24190 ko. ngayon huhuhuhuhu. ako. tawag ako sa CC, wala na daw magagawa nakapost kagad. kabilis ng mga tinaaman ng ipis! di na tuloy ako makatulog. 3 am na gising pa din ako at nagbabasa ng blog na to. aantayin ko magkaaraw at susugudin sila.
anyway. im on my way to file the cancellation. ok naman yung program, problem with this, sa dami ng negative feedbacks and dami ng withdraw/cancel. i dont think that this company will last in 15 years. pero galing ng sales talk nila. kakabelieve. makahingi ng advice. for sure effecive yan sa panliligaw. ahhhhahaha..
hay naku ako rin bagong naloko kahapon lang sa SM pampanga,ndi ko rin alam kung bakit ako napa sign naiinis pa nga ako dun sa kausap ko na ang name nya ay aries ung unang nag approach kahapon tapos ung sa representation ay angelica cunanan actually magaling talaga sila ,pero sana ndi nila ginagawa un para lang makapanloko ng tao ,at sana ndi bumalik sa kanila PLS.help me kung ano ang first step para macancel ko un contract kya ako nag research this morning kasi kahapon lang duda na ako ,pero nakinig pa rin kasi ako sa explanation nila sana pinanindigan ko na lang ung una kong pagtanggi sa kanila.SANA maipalabas ito para ndi na madagdagan ang maloloko nila .
ako ginawa ko ginawa tawag sa credit card pero charge agad. prepare ka ng cancelation letter. ako andito na sa PPILC sa SM Megamall. ok naman allow naman nila since nakalagay yun 15 day free look period. pinababalik ako ng 1pm. papakausap sa Manager.
Punta ka na kagad sa SM Pampanga. Pacancel mo na.
Sabi ko na lang sa dami ng negative feedback at ngcancel di na ako nakakasiguro kung maglast pa sila ng 15 years.
my wife & i were victim also this scam…ang galing nilang magpaikot… im wondering din kac ni wala silang inipresent na product for 2 hrs +… hay nako papasukin ka nila muna bitag tapos doon na nila ipresent ung product.. tapos hiramin nila ung credit card for verification dn sabihan ka pa na huwag mo kaming pagagalitan ha kung ayaw pumayag ng credit card company… at yun na swipe ung card… 57T ang babayaran ko dn pwede rn unti2x ang pagbayad.. then i said.. kung unti-untiin ang pagbayad di mas lalong lalaki ang babayaran kac may interest 3.5% kung hindi mo mabayaran ang lahat sa credit card… dn nagchange cla ng topic… i told my wife.. can we talk.. tapos interupt cla ng interupt.. nung paglabas namin.. were doubtful na.. i told my self bat ako nagpaloko… since i.ve in a hurry.. i told my wife to go back and cancel the policy… kaya ayon daming oras na nasayang… follow the procedure to cancel… nakakahiya kasi kapwa pilipino lang ang naglokohan.. SHAME ON THEM… my paiyak-iyak pa don.
this group are now operating in SM city Cebu….. sana matigil na un… ni website nila di mo makita…..
Thanks! naisahan_ako for the advice ok tomorrow pupunta ako ulit ng SM pamapanga para sabihin na icacancel ko na ung policy kc idoubt it natatagal pa ito insurance co. na ito sa dami ng negative feedback.ok lang ba na yun ang ireason ko sa cancellation ng policy ko.naitawag ko na din sa credit card ko pero wla na nai charge na nila buti na lang din sa akin medyo maliit pero ang msakit kasi dito bkit kailngan nilang manloko.kc ang sabi lang nila sa akin e ichechek lang nila kung mag aagree ang credit card ko un pala iswipe na nila ung 6,650.w/o asking kung payag na ako.
Alam niyo tama kayong lahat diyan eh, pero kung legal ang lahat ng produkto at aprobado naman ng SEC or kung sino man ang nag reregulate sa kanila, hindi naman ata scam ang tawag diyan. Cguro talagang magaling lang talagang mang bola yung mga ahente nila. Ano kaya tawag sa i style nila, ang tingin ko kasi sa scam binebentahan tayo ng produkto pero wala naman. Cguro verify nlng natin sa SEC kung may produkto talaga na ganun. Ano kaya talaga ang pwedeng tawag sa kanila kung hindi scam???
@naloko din—my point ka nga and ang alam ko insurance commission ang regulator nila. kasi diba life insurance? We should ask if legitimate sila..or totoo talaga yung product then if totoo product nila siguro nga indi natin matatawag na scam yung company kasi may product diba?
@me-to: ah insurance commission ba ang nag reregulate sa kanila? akala ko pa naman SEC, anyways dapat nga tanong natin sa kanila kasi tulad nga ng sinabi mo kung legitimate yan hindi natin ito dapat tawagin na scam kasi may binebenta naman talaga sila eh hindi naman fictional yung binibenta nila.
hello. eto ako, naloko din. sana po matulungan nyo ako. yung situation ko, same as urs kaya lang, andito ako sa america ngayon. gusto ko ipapaterminate ung policy ko, i signed it last feb pa, di ko naman alam na ganito pala ito.:( i was really expecting na this is a good investment since im young but then it turned the other way around. and worst thing here is, i decided it on my own. i ddnt tell my parents about it coz i wanted it to be personal. so now im asking for your help how am i suppose to do this.
they already deducted 14k+ on my atm card under metrobank, and my policy and all other documents are in the province (cagayan de oro) coz i sent it there before i left manila to the US. ngayon, gusto ko ma termnate ung policy, o kaya, hindi magbibigay ng pera ung bank ko. pano ko gawin un? can i write the bank to withhold any transactions with my atm card? pwede ko kayang itigil nlng ung pagbayad instead of terminating it? will it be terminated automatically if hindi ako magbabayad? and will the bank look for me if i will just close my account and at the same time hindi ko iteterminate ung policy ko? what is the best way for me to do this? please help.
i will be home on august pa.:( so by september ko pa siguro mateterminate ung policy ko kase il be back in province with straight flight eh, from US to CDO. tapos baka september pa ako balik ng manila.:( tulong naman ho..::(
please email me, beverly.chan@ymail.com thanks
sa lahat ng nagccoment ang ngrreact with regards sa mga nakakakuha ng mga plans with insurance companies na na-invite either via phone call or via approach sa mall ito lang po masasabi ko,>>>>sometimes hindi rin po nakakatulong na nagpapaniwala tayo sa sabi-sabi ng ibang tao dahil sa naging ganon din ang experience nila. with should also bve fare dun sa agent na nakausap natin the time na kumuha tayo, we should also accept the fact na minsan kumukuha tayo not because nagustuhan natin yung product but because we like the person assisting us. then afterwards pag dina natin nagustuhan magbbck-out tayo after we committed ourselves parang napaka stupid kasi ng ganong act. and besides before naman maging successful ang ganung mga transactions dapat may mga pinipirmahan din tayo which leads to them na maclose ang sale. so ang logic nun wag kang basta pumipirma sa isang bagay na hindi mo masyadong naintindihan tapos ibabato mo ang sisi sa ibang tao dahil sa kamangmangan mo.san magsilbing aral po ito sa lahat.
sino man mtwagan pls..,,wag po agad kau mniniwala na winner kau?..sa any raffles or promo na u,know nman wala kau sinalihang games or any promo about sa knina lng sinasabi sa nio.alwys think na “many sa pnahon ntin e2 mga manloloko na hindi nila iniinda or hindi nlia iinisip na kung nkksakit or mali na pla ung gingawa nila?..Ginagawa nila i think dis b’coz need nilA NG MONEY?..or tlgang talamak na cla gumawa ng kalokohan.God know’s nman watever he/she doing bad sa “kapwa nila” my KARMA UNG MGA GINAGAWA NILA WRONG.i pray nlng pra mtapos na po ung gni2 scam.ipinapa-sa DIOS ko nlng po ung mga tao gumagawa ng gn2.
whatever!!!pwede nman kayong mag not interested nlang pra di magulo buhay nyo!!wawa nman kau!!belat!!!!!!!!!
anak ng puta… son of a bitch.. yawa.. karma to prudential life philippines
hi reni! yeah tama ka jan… stick with your decision guys, in the end din naman mapapagod din sila kakapilit basta consistent lang ang sagot natin kahit nakukulitan pa tayo sa kanila
well i guess ang problem nang ibang tao is their decision making. We should learn how to decide for ourselves. wag tayong masanay na ibang tao magdecide para sa tin. I seems naman the marketting strategy ang talaga problema nang mga nag-avail nang plan eh and the they experience it parang feeling nila naloko sila. The first instinct nila syempre mag-aalala sila then madagdagan pa ng mga nababasa nila. BEst thing to do is research..research, research then verify.
hi,
last april 19, 2010, nag-avail ako ng savings sa philippine prudential life at totoong dahil naainis nalang din ako. sa mga nagsasabing bobo ang mga taong nag-avail, prove it yourself dahil kung kayo ang nasa situation, masasabi niyo bang kasalanan niyo yun? mga sira ulo kayo. wala kayong alam.. yung pinakaayoko sa lahat ay yung mga taong gaya niyo na sinisi pa ang ibang tao kahit na wala silang mali. ako mismo, naranasan ko ang ma-pressure sa kanila.. sira ba ang ulo niyo? nainis na ako dun sa kumakausap sa akin kahit na i gave my best to have a good relationship with him. hindi nga scam ito pero yung sasabihin nilang magbibigay lang ng gift tapos yun pala may 45. mins. presentation pa, eh nakakaasar.. nasa mall ka at wala kang ganoong oras pagkatapos pipilitin ka pa nila. pag sinabi mong no, sasabihin pa nila na ganito. mga sira ulo kayong sinasabing kasalanan ng mga tao kung bakit nangyari sa kanila yun. yung 45 mins., naging 4 hrs., 5-6 pa ata.. ngayon, imbes na maglalaro ako, yung oras ko, napunta’t nasayang sa kanila, 2-21/2 hours yun. dalawang araw nakauwi ako ng alas dose.. wala sa plano ko ang sineserve nila. nakakaasar lang yung 45 mins., tapos 4 hours pala, hindi mo alam, ganon pala ibibigay sayo. marerealize mo nalang, gabi na.. take note, 11pm na ako nakalabas ng sm dahil sa kanila. humindi na ako pero ire-rebut pa nila yon. now, masasabi mo bang kasalanan ko yon? gabi na and all you wanted to do is to go home. kung talagang nagc-care sila sayo, hahayaan nila pag nag-no ka na oh well, i’ve learned from my experience and i am taking it as a good experience/ atleast, makakakuha na ako ng mga i.d.’s na kailangan sa work. God bless sa lahat!
Comment from realize
Time: April 20, 2010, 10:46 pm
whatever!!!pwede nman kayong mag not interested nlang pra di magulo buhay nyo!!wawa nman kau!!belat!!!!!!!!!
the thing is, kahit na nag-not interested ka na, di ka parin nila titigilan. as in, to the point na maaasar ka na at magy-yes ka nalang. not to mention, gabi na non. as in inabot ako ng 11pm. kung talagang nagc-care sila, hahayaan ka nila. paaalisin ka nila. pero di pa tapos magsalita.. wag ka mag-alala dahil makukuha ko ang pera ko.. pag nangyari sayo ang isang sitwasyon na ikaw ang biktima, hindi mo gugustuhing sisihin ka pa dito. sana lang pinag-isipan mong mabuti yung sinabi mo dahil pag hindi mo pinag-isipan, kakarmahin ka rin.
I still won dahil after na nakapag-yes ako, may 15-day conformation. So know your rights lang po. Kahit naman wala yang 15-day policy, I beleive na makukuha niyo parin yang pera niyo kung gugustuhin niyo. Kayo parin ang masusunod dahil pera niyo yan. God bless po.
siguro hindi ko nga masisisi kung bullshit ang tingin ng iba kung may pinirmahan sa credit card nila tapos alam nilang pag pinirmahan, doon tatanggapin ng company. yan ang isang side ko na i doubt if may ganyan talagang situation dahil kasalanan na talaga ng tao yun. kaya ang aral sa mga may credit card, refuse to sign the paper/cheque, whatever you call it, if you do not like the transaction. I am writing because I wanted to help. Maaayos na yung sa akin at gusto kong makatulong sa iba. Maraming oras ang nasayang. Pera, na otherwise, hindi mo gagastusin. Sana maayos na ang lahat. Ipapasa-Diyos ko nalang ang lahat. Sa mga gustong magtuloy ng policy nila and you think that it’s a good company, ituloy niyo. I think it’s not a scam. Pero see their marketing strategy. In the end, ikaw parin ang magdedecide. Sa mga nainis, kasama niyo ako diyan. Totoong nakakainis yan. Learn something from it.
may nag text po sakn 09305390210 sabi Final Notification. Good Day!!! This is Abby Oropesa from PHILIPPINE PRUDENTIAL. You are Entitiled for 3 Exclusive Rewards and Privileges for Free are still here in our office. You need to claim and Activate it within the day, because the management will finalize all the records of our clients/recipients who don’t claim their rewards. For your claiming code which you will need to present upon claiming, you may call us exclusively in our Makati office form. Monday to Saturday 9am to 5pm for further information , pls call at (02)-7551532, upon recipient of this messege. Thank you and Godbless..(Disregard this messege if claimed)
—Totoo po ba yan? o hindi po?
Thank you po..
@ God_Lover: Ang dami mong sinabi pero agree naman ako, kaso hindi lang sa lahat. Agree ako sa sinabi mo na ang mga pumirma sa papel ng hindi nila alam kung ano pinipirmahan nila ay may malaking problema, at sila na ang maykasalanan doon. Pero hindi ako agree sa sinabi mo na dapat wala tayong magagawa upang matanggihan sila. Kasi we, the customers will always have the last say, Sabihin lang natin sa kanila that we do not want their product. We simply take a firm stand with our decision, I my self told them No and that no matter what they said I won’t get their product and so they let me leave and stopped bugging me. Ang aral natin dito bilang consumers ay matuto tayo mag desisyon para sa ating sarili at depensahan ang ating pananaw. Kasi maraming mga tao diyan hindi lang ang mga sales agents ang magpipilit satin gumawa ng bagay na ayaw natin, ang lesson dito ay pakita lang natin sa kanila na we are in control of our lives and that we can decidw for ourselves. Yun lang po thanks.
@Dawn: totoo yan, legitimate naman sila eh
!@dawn: check mo pa sa IC
waaaah..what to do?? it really hard for me to decide if i’m going to continue the plan or not..meron kasi ako relatives na kaavail na last last year pa, indi ko lang matandaan kung anu year sabi nang tita ko okay naman daw hindi naman daw scam yun kasi if scam daw yun malamang isa na daw sila sa mga magrereklamo. pero yung mga friends ko naman sabi much better na icancel ko na lang para daw magamit ko pa sa ibang bagay yung pera. nakapag avail last month lang. tnx
hello po sa lahat… nacharge back na po yung premium ko… i’m so happy… better kung sa main office kayo pumunta for cancellation mas mabilis ang transaction and mababait naman sila dun…
Agree ako sayo CJ
Tama ung sinabi mo 
thank god, i read this blog before i gave out my CC details… thank you, guys, for posting…
hello po sa lahat iam the newest victim of this PPLIC scam.nandon po ako sa sm annex ng my lumpit po sa aking babae name nya po michellle sabi nya kung my cc ako or atm sabi ko my BDO ATM DEBIT CARD AKO then invite nya me dun sa office nila para dw manalo ng kotse at chance manalo ng $10k one of there representative bryan explain about PPLIC akala ko naman kaya ako dinala ni michelle para lang sa raffle but when bryan started to talk pra iba na pakiramadam ko scam nga ito.i try to tell him uwi na ako but he insisted savi nya try ko dw ung atm ko swipe sa machine nila para makita kung pwdi maaprovahan ung atm ko un pala agad kaltas ung 14,010 pesos ko:( ill go tomorrow to cancel also my insurance policy i wish marefund ung money ko kasi kylangan ko rin sayang!!! please give me some tips how to make a letter also to ms.ginny thanks all!!
HI..kumuha ako ng plan sa kanila, well nakakuha pala ako ng plan. I decided to continue the plan since 1,610 lang naman monthly ko so kaya ko naman yun.hihihii..wish all the best sa inyo..
Hello to all,
Hi sa lahat ako din na victim na dito sa phils prodential life insurance gusto ko rin mag cancelltion please poh tulongan niyo ako gusto ko makuha yong money ko naka kuha sila ng 57,102 sa credit card ko sana mahinto na ito para wala ng ma victim sana poh myay mag sabi paano mag cancelition alm niyo hiningi nila yong credit card ko tapos kinaltasan ng 57,102 pesos sana wala silang ma kuha sa credit card ko sana maka tulong yong imbestigador sa problem nating lahat
Hi…I am one of those victimized yesterday in sm megamall..Its good that before the finalization of my plan the Consumer Relation Officer helped me realized that I can still cancel the transaction…on the spot i wrote my cancellation and they had voided the transaction. But, when i called my cc they told me that the cancellation is not yer posted and i have to wait for 7-10 days…the good thing was the transaction is still floating….Guyz thank you for shedding lights…i hope that this
PPLIC realized that there methods are not ethically right.
Hi! Help naman po gusto ko na rin kasing ipacancel ang policy ko nag-avail ako last June 2009. Ayaw ko talagang pumayag sabi ng agent na si Tania De Leon itry ko lang daw kasi kung talagang ayaw ko after 1 year marerefund ko daw ang money ko as if para ka lang nag-save sa bank. And then hindi talaga ako convincebumalik ako after 1 week to cancel it pero wala daw akong marerefund. Ibang agent na kuma-usap sa min kasi wala daw si tania yun din ang sinabi hintayin ko na lang ang one year. Feb. nakareceive ako ng call from my agent to inform na wala na silang makuhang pera sa credit card ko tapos sabi pa nya malapit na kong mag-one year pwede ko ng makuha yung money ko. P ero nung nag-iquire na ko kung stop ko daw sya 5 thousand lang daw ang pwede kong makuha… Whattttt! bakit ganun? 1 year kong pinag-tiisang hulugan yun kasama ang interest pag-nalilate akong magbayad tapos 5k lang. Huhuhu
hay naku wala naman talaga akong balak mag-avail nyan nag-shopping lanh ako sa sm north nahila hila lang ako ng bading na si happy ayun na! Ang galing nila sa sales talk may pa-kotse kotse pa silang nalalaman…. hay…. sana kahit 80% man lang di ba mabalik pero mas ok kung 100% imagine sariling pera mo na nag-mamakaawa ka pa. sana nag-bank na lang ako sa bank anytime pag-may emergency makakawithdraw ka .
sino po ba ang president ng organization na to magtulong-tulong kaya tayo para sa tin din naman to saka kawaa naman ang iba pang mabibiktima. Lalo na ngayon malapit na election baka may makatulong sa tin pati media. Tinganan nyo ang dami dami na natin. May mga pagkakataon po ba na may gumawa ng action regarding dito?
@shaiya: Kala ko wala ka talagang balak mag avail eh di bakit ka nakakuha? Dahil magaling sila mag sales talk? eh alam mo naman pala na sales talk yun eh bakit ka parin nadala sa pinagsasabi nung sales agent? Sa palagay ko lang ang may mali dun ay tayo na bilang mga pilipino. Mga pilipinong sobrang bait at kumukuha ng produkto na ayaw naman tlaga kuhain kahit alam natin na magaling mag sales talk ang mga agents. Alam mo kasi shaiya hindi natin masisisi yung mga yan kung nadala tayo sa ppinagsasabi nila kasi tulad nga ng sinabi mo alam naman natin na istyle lang nila yan upang makabenta. Marami na kasi ang ganyan magbenta ngayon siguro dala lang ng pangangailangan. Pero lahat ng desisyon ay nasa atin parin pwede tayong tunanggi.
ang dami nanaman nag cocoment sa Blogsite na 2. Good Job arpee for helping all these people vent out. Napadaan nanaman ako dahil may isa nanaman akong friend na nabwiset sa mga mga tao na nagbebenta at natauhan sya sa mga commnet nyo kaya hindi na sya kumuha. Payo ko lang sa lahat ng mga tao dito mag vent lang kayo ng galit at wag nyo tanim
@sales agent ng PPLI;
in fairness, they are all damn good to the stake na napapa.oo nila ang tao but guys you don’t have to scam. cguro for now it will help you sa sales figures nyo but mind you things will get back to you.
@sa mga hindi pa na bbktima;
first, they would catch your attention by the color of your shirt, dress, bag or whatever you have and say your lucky cuz its the theme of the day. Then they will lure you to their batcave, smother you with their perks then finally to their haven na nagkalat ang mga batikang agents (plastic). bbigyan kayo ng drinks (or whatever comes with it) and then simula na ang sales talk. At first puro positve ang ibbigay nlang info na logically tama naman. Then along the conversation may isisingit silang company info + offer then balik ulit sa positive convrsation. They will ask a lot of personal questions sasabayan p ng jokes. magaling silang magsulat ng pabaliktad (letters facing to you) while talking. Watch out sa keyword na TRY. hhiramin nla ang credit card mo plus an i.d. na w/c they didn’t bother to look at all. then all of a sudden na.swipe na CC mo.
@upon cancellation
sa mga gustong mag.cancel try to do it as early as possible. don’t harass the agents cuz first d sila ang nag.sign up sa inyo. second they have their own metrics na they would make a save attempt once or twice. just be firm on your decision then they will hand you a paper to write your request to cancel. do it quickly otherwise ma.ppasa ka sa ibang agent and you’ll repeat from step 1. don’t forget to get a number just in case because they will refuse to entertain you without it even though they’ll say they will just call your name. Iwas pusoy o sadyang bobo lang. after that they will receive your letter and tell you na cancelled na. but no. iwas pusoy pa rin cla nyan. they will say to you na wala ang autorized person para mg.cancel ng policy. buti nlang napansin ko ung ahead sakin sa line na nakakuha ng SOA n may status n cancelled or CFI. insist for it kasi nung first attempt akng humingi nag.deny cla kasi d daw cla capable nun on my third attempt since i point the man ahead of me of what he had tsaka cla gumalaw at nagbigay. real BAD customer service.
@PPLI management;
i think dapat nyo baguhin business process nyo. focus kayo sa customer value rather than sa pg.hhgpit s mga sales agents. kc this agents would do and find smarter ways to get if not to deceive a client. then eventually comes to cancellation. these will give clients a very BAD experience and scatter these into words or here on the net.
WARNING…
@jaycee: Tama ka po jaycee, but ang point ko dun is yung pagpresent nila ng product na after one year makukuha mo yung money mo in full amount kung hindi mo talaga nagustuhan ang product nila. After one week bumalik ako dun para i-cancel na ayaw nila icancel pinipilit nil na makukuha ko lahat ng money ko after one year kaya naghintay ako. umpisa pa lang nagsinungaling na sila. pano ka pa magtitiwala?
Tip ko lang po sa mga bago pa lang nakakuha ng product nila na gustong ng mag-pull out from the time na nakuha nyo yung product may 15 days allowance pa kayo pwede pa nyo ipacancel ang pplc nyo pra maremmit nyo ang full amount money nyo.
Policy nila yan na hindi nila sinasabi sa mga client….
Shaiya correct na correct k dyan misguided ka nila sa pagpresent ng product nila. Same case tayo june 2009 din ako kumuha ng pplc na yan at until now undesided pa rin ako kung anong gagawin ko at pano ko makukuha ang money ko. Nakakagigil di ba? na meet ko na rin yan happy and tania hindi ko lang matandaan yung isang girl na nakausap ko pa. Hay naku! sa umpisa ang agling nila at ang babait ang haba ng time nila para alukin ka ng product pero pag may concern ka na ayaw ka ng harapin at paghihintayin ka pa ng matagal. sna naman matapos na ang pang gogoyo nila.
WISH KO LANG HA MAKARMA SILA!
WISH KO LANG HA MAKARMA SILA TO THE HIGHEST LEVEL!
to she nabasa ko yung blog mo at nabawi mo yung money mo in full amount gaano ka na katagal na member bago ka nagpacancel? sana mabasa mo to kasi malaking bagay sa kin at lalo na sa pamilya ko kung matutulungan mo ko na mabalik ang pera mo mag-one year na rin ako since 2009 pa ako naloko ng pplc.tnx.
jaycee salamat s comment mo ang laking tulong! grabe na ito siguro isa ka sa mga agent ng pplc na nagmomonitor ng blog na to. well guest ko lang yun.hehehehehe
OMG! I received a call just saying that I won some freebies because its their anniversary, like 25k life insurance and 25k educational insurance, they ask me the same requirements and also bank card or any bank statement. Im about to schedule tomorrow to go to their office. Thanks GOD I saved my credit card details. Good thing to check their website first especially the Rip-off report or scam report like this so u cannot be the next victim. Thank you guys.
To Arpee at sa mga bloggers na nakapagrefund ng ppl.
yung ppl ko mag-one year na kung ipapacancel ko po ba yun immediately marerefund kaya ang total amount na kiunha nila sa kin?
sory sa typoerror ko
hi i have received call also from certain company. indi ko matandaan kung anu name nung company eh but insurance siya. Isang company lang ba gumagawa nito? kasi nabasa ko dito some were able received text and some naman calls..and iba iba gamit nila freebies. are they the same?. and if iba-iba sino ang totoo ? i mean legitimate to do such things?thank you
@may: hahaha ganun ba ang dating? baka may kakilala ka dun recommend mo naman ako, para magka dagdag na income ako. haha
@leo: Marami namang companies na tumatawag sa phone or texting messages para ma advertise ang products nila so mahirap masabi kung ang tinutukoy mo ay ang mga tinutukoy namin dito.
Jaycee worried naman ako sa yo wala akong ka-close dun, apply ka na lang sa office nila im sure matatanggap ka, ang galing mo kasi. Sorry sa joke ko hindi alam na ganyan ka pala naghihirap, you need extra income to feed yourself….
to shaiya and the rest na gustong magcancel……just read all the messages here…those who successfully cancelled and refunded their money in full shared their experienced..have the patience of reading it.
pylip thanks!
So true!!! I received a text message from 09234671698 yesterday from a certain Ms. Yen then I called 7551532 kanina lang. Qualified daw ako for a life insurance til age 65 and 2 years scholarship (transferrable) from Datamex. For FREE daw, I just need to bring 3 IDs and my credit card. Super rude nung nakausap ko, asking for personal details then very demanding na pumunta ako sa office nila somewhere in Makati. Ayaw nila sabihin yung exact location hangga’t hindi raw ako sure na pupunta dahil sasayangin ko lang daw oras nung “officer” na maghihintay. I said I’m not interested tapos binababaan na ako bigla without even saying goodbye.
hi arpee tnx sa blog sobrang nk2long tlga. nka receive kc aq knina lng ng txt msg came from phil prudential life ms aifa ramos same msg kay mr well may xclusive rewards and priviledges daw aq na hindi pa na cclaim then tumawag daw aq at this no# 7551532 then 2mwag aq curious about that rewards. taka lng aq kc ask nia un id’s na meron aq 3 valid id’s needed. then i said postal pasport and voter’s id lng meron aq. sabi nia kung meron daw ba qng gngamit na credit card. i told her that i dont have a cc. then punta na lng daw aq ngyon dun sa office nila to claim my price . then i called my mom pra mag pasama sna bcoz my mom is also an agent b4, sabi nia kung tru text lng daw na reciv q its fake. pero sayang nmn db kung 22o kya i open my laptop then search on the net to confirm if its true or just a scam. then i found this site . halos lht binasa q ang dami pero mdalas sa mall cla nbibiktima. and tnx god kakabasa q meron pla q parehas na nangyari. kya thank you thank you tlga!
i love ur site. hindi n q punta dun bukas to waste my tym. ingatz! and regards to all. sna mkuha nio na ung mga kinuha sainyo ng mga manloloko na un!
STATUS OF MY DISPUTE with PHILAM PLANS
Hello po!
I only posted once here.. yung comment ko po last November 6, 2009, 7:24 pm (you can refer above po)
I wasn’t able to update everyone regarding that dispute. After all the waiting…. mine has been resolved. Thanks to HSBC. I think that was around the 1st week or 2nd week of April when I received the charge-back for the entire amount plus credits for finance charges coz i’ve been paying my card in full.
I sent a written request to PHILAM PLANS main office in Manila and in Cubao re: my request for the cancellation with the details of what really happened to me. (sent them through LBC Nov9, 2009) I received a call from the main office around Nov 11 and i was told they will investigate on it. I faxed to HSBC all the necessary docs/receipts/letters form philam plans that will be helpful to expedite the process of my dispute. HSBC rep also advised me to change my account number, which i did that same month (Nov2009). A few calls every now and then to check the status, then i got tired of it. when i checked in April i was surprised that everything was credited back to my HSBC credit card.
I hope all of us will learn from this. Especially ME.
before buying anything or getting yourself to anything that involves your hard-earned money, make a RESEARCH first. listen to what others have to say. make sure you’re not being deceived. take time to validate, to evaluate all the details when you can. Coz in the end, we will be the ones who’ll be at the losing/winning end, right? 
Let’s pray for the others who were victims of these companies, that will win and recover their losses. hope no one will be added to the victims.
*sighs* i really feel better now. i guess this will be my last comment here. for the others, feel free to send me a personal message at the email address i indicated above.
God Bless you and your families!
Jem
i was invited din sa sm pampanga. may nagpresent din sakin regarding sa insurance nila. but i said i’m not interested to avail kasi hindi ko talaga priority ngaun ang insurance kasi dami ko bayarin. medyo mapilit nga yung agent eh pero sinabing kong hindi talaga ako interesado pa sa ngaun stick lang sa decision nyo po. they can’t do anything if ayaw nyo talaga.
hello to all bloggers and commentator of this site. First i want to thank you guys for giving ways and advises to resolve same problems. Dhil sa inio napacancel ko po un incurance ku and i was able to file s dispute to HSBC. Nkakahiyang aminin but i am also a victim of the PPLIC. Inde po s pgmamayabang pero inde tlga aku madaling maniwla s mga offers like this but i don’t know how it happened na I voluntarily gave may CC and let them swipe it and signed all the their documents. I felt it was a hypnotism that I can’t speak wat my mind is thinking. Agent named Nornell Gallardo had actually difficulty in convincing me. How did I know?? Coz he told me obvious lies. Sbi nia Owner of BDO and PPLIC is the same, its Henry Sy daw. Of course I don’t believe him. Sinita ku din un flyer nila bkt wlang DTI permit. PAti pag inum sa iced tea khit alam kong inde dpat inumin napainum din aku ng konte.lhat n ata ng pagdududa nasambit ku n s agent pero still nabiktima p din aku. What a F***k strategy!!!!
I read an article that SEC revokes the pre-need plans of PPLIC but there’s a comment from their representative that they will still continue in offering their service. Bkt kaya ito pinayagan???? As per diffrent arcticles I’ve read, ang dating Family First ay naging Danvil at ngaun PPLIC na????? yet they still operate huh?????
S mga new victims, just follow the abovemenioned advise and ways to resolve our problem. pinagdugtong dugtong ku lhat yan and made my time plan first. And now I’m p waiting for 30-45 working days pra nman macharged back from HSBC.
Actually the frst thing I did was to cut my CC and never replaced it. CC is useful but it needs a very systematic and careful utilization eh. nadala na ku so i cut-it na.sna lng wlang bad effect ang ginawa kong un.
If anyone there know the efefct of wat i did, please post it here..
Thanks!
they are also operating here in SM CEBU and we are planning to complain sa SM management. they should not tolerate PPLIC kasi SM masisira din coz they are in most of SM branches. muntik na din kami maloko nitong PPLIC nung sunday – May 09, 2010. sobrang abala.. we went to sm para kumain at tumingin ng stuffs for my sis wedding kaso hinarang kami ng bading agent named Chevas Colon and the agent who orient me was named Padz. inexplain sa akin ung plan nila tas kinoconvince ako na magcheck if i qualify.. sabi nila bank to bank transaction daw tas sabi ko wala pang laman card ko magdedeposit pa ako, sabi ba naman nung Padz tumatanggap din daw sila ng cash.. sobrang mapilit sila but we were firm in saying NO. nakakabadtrip lang kasi nga sobrang nagutuman kami coz sabi 45 mins lang daw but it took us more or less 3hrs there. bwisit talaga yang PPLIC… dapat matigil na panloloko nila.. Thank God d kami naniwala coz we needed the money talaga.. ang sama nila.. mga walang konsensya!! sana mangyari din sa kanila ung ginagawa nila sa mga taong niloloko nila..
what happened to ms. ginny sta. maria? i’ve heard she’s dead? How true is it? I was a victim also of this plan but I already got my refund thru this lady. Kc I found her “mabait” naman and nice unlike the other people na agent ng plan na to.
Hi to all!
I just want to share na naibalik na sa CC ko ang P 9,835 noong April 26, as per my inquiry sa HSBC agent a while ago… hind pa ako nag follow up nyan, from the date na na cancel ang policy ko. Kaya sa mga gusto ipa cancel ang kanilang sapilitang insurance plan/policy… paki back read na lang sa mga earlier posts para sa may guidelines kayo.
@giegs
saan mo nabalitaan yang si miss ginny sta. maria ay patay na? Sana hindi totoo yan no, kahit na biro pa. I also found her nice and down to earth, kahit hindi kami nagkausap ng pumunta ako sa office nila para mag cancel ng policy.
May correction pala dito sa address … ADB building yon at hindi EDB building…
DATE
ATTN: CUSTOMER POLICY
PHILIPPINE Prudential Life
Insurance Company, Inc.
Suite 305-308, 3rd Floor, AIC Burgundy Empire Tower,
ADB Avenue corner Garnet & Sapphire Roads,
Ortigas Center, Pasig City
RE: Cancellation of Insurance Policy # PPLxxxxxx
To Whom It May Concern;
Please take this letter as a formal request to cancel my insurance policy and stop all charges to my Credit Card (company) from your company. Please make this effective as of DATE OF EFFECTIVITY. I also request written confirmation of this cancellation, as soon as possible.
Sincerely,
Your Name
Address & Signature
Include nyo na sa letter niyo ang reason for cancellation para hindi na kayo pasulatin pa ng taong tatanggap ng letter nyo sa office ng PPLIC.
ay sorry ibig kong sabihin, ADB Avenue hindi EDB Avenue.
@cheri: Buti naman napahayag mo sa kanila na ayaw mo makuha ang produkto nila.
This is my first time na mag comment dito. I was able to received na rin yung refund ko..okay naman po mababait naman sila. i just explained my side why i need to cancel the policy, not that i was force to avail but because of my obligation. I found the product good naman. be attentive na lang po sa stragtery nila but product wise, i think its good naman. just give them your cooperation and have patience na lang. I think they doing their best naman to handle all clients to minimize the negative notation sa kanila. Since marami na rin nagclaim dito na narefund nila pera nila proof na yun na they are attending to every client..godbless to all..
@jaycee – oo nga. pero paikot ikot na ung usapan namin. pabalik balik na yung sinasabi ko na ayaw ko talaga magcompromise kasi nga mas kelangan namin ngayon ung pera. and i told him na pwede naman akong mag save if talagang gugustuhin ko since may savings account na naman ako sa bank. ayaw pa rin tumigil, bigay na naman ng ibang options. but we were firm talaga na ayaw namin. ayun nga after more or less 3hrs eh tumigil din, nakarealize siguro na d nya talaga kami mapilit biglang nag iba ang tono niya at biglang sinabing “makakalabas na po kau mam”.. yun nga lang sobrang nagutuman na kami.. my sis was so pissed off. we’re still planning to complain sa SM management kasi bat inaallow nilang magkaroon ng tenant na gaya ng PPLIC. nakakaistorbo sa shoppers eh. at marami na din akong nababasang complains na mga taga CEBU din.
Hello everyone. I am hoping anyone could give me an advise on how am I going to cancel my plan. I had been paying to this company for a year now. And I am planning to cancel my plan. Please anyone who can advise me on this.
HELLO….
Aq din nabiktima ng SCAM nayan… Malas q dahil Birthday q Pa nman ngaun….. Napilitan aq mag Avail ng MERCI life insurance na nayan… 21 yrs. old lang aq… kakatapus q lng umatend ng misa sa megamalll ng may lumapit na bading pangalan GLEN na nag alok ng raffle… cnu ba naman hndi makakatanggi eh ang premyo HONDA CITY na kotse… nag tanung xa kung may credit card aq… aq nman c engot umoo nman…. aun tpus cnama aq sa kaduluduluhan ng NORTHWING LEVEL 5 .SABE PA 45 MINS LANG DAW… Aun na sinalestalk aq muntik paq mag avail ng Endowement Saving nayan…… atauhan aq kaya d aq pumayag….. peru naholdap parin aq kc nag avail nman aq ng MERCI LIFE INSURANCE….. totoo kya itong life insurance nyan???? buti nlang daq napapayag na mag avail ng Endowement Savings naya….
i think its not a scam, its just a good marketing strategy. the secret is 2 trust them and 2 trust that ur money is in gud hands. after all, pera nyo pa rin un at may right kau na kunin ung pera nyo anytym.. GODbless everyone..
Kindly help me kung sino man ang nkka alam sa inyo kung papano k e cancel ung na avail kung Philippine Prudential Insurance Company SM Fairview branch yesterday at mabalik yung 27K n kinaltas sa credit card k .ang di k lng gsto kahit ng aalangan ako n ibigay k credit card at gsto k n umuwi dahil ng aantay misis k ng tulungan pa rin sila pra ma convinced ako.Now k lng nbsa mga comments nyo.Paalis n ako sa ibang bansa at gsto k sna ma settle ito bago ako bumalik.thnks and regards.God Bless….
@Bel – read the previous posts… sundin mo lang ung mga advice nila.. may napost na din na sample cancellation request.. Goodluck sa u..
hindi q xa kyang tanggapin na marketing strategy… panggigipit ung ginawa ng philippine prudential life saki nung may 16….. even ung mga katrabhu q nabiktima dn cla ne2ng pekeng insurance company na2… hindi nga cla accredited ng Security of Exchange Comission eh…..
andami na pala talagang naloko ng PPLIC… so why SM is allowing PPLIC to operate there? alam ba ng SM kung anong ginagawa ng PPLIC? just wondering… coz they are located in most SM branches..
@ mel— your right indi po talaga xa accredited ng security and exchange commission..I did some asking and found na pag life insurance they are under insurance commission which higher than security and exchange commission. I called Insurance Commission and found na rin na ang sec is under IC na rin. Much better daw pag handle IC and isang insurance company because they undergone a lot of masusing proseso kung talaga pwede ka magbenta ng insurance. un sabi nila..then found ko rin na ang inaacredit ng sec eh ung mga pre-need daw..I dont know the difference..
@mel: Hindi ko alam kung saan based yang mga pinagsasabi mo pero pag binasa mo yung mga comments dito it has already been said na philippine prudential life is a legitimate insurance company. Under daw sila ng Insurance commission na nag reregulate sa lahat ng insurance companies. Nung pumunta ako sa site ng insurance commission may pdf file dun na nakalagay ang list ng mga liscensed na insurance companies sa pinas at ika nga nandun ang pangalan nila. Nakakainis lang talaga at ang mga tao ay hindi nagbabasa ng mga comments dito basta nalang mag popost ng kung anu-ano.
@cheri: sa palagay ko kaya pumapayag ang sm na mag operate sila kasi legitimate na companya naman sila at ang produkto naman nila ay totoo, at hindi isang scam. May insurance policy naman tayong nakuha nung buili tayo hindi tulad nung mga pyramid scam na nakadali sakin dati yun ang scam talaga. anyways at least better ito kesa nung nadali ako sa mga pyramid scam. hehe
Just learn to say no guys lalo na pag ayaw nyo tlga.. buy lang kayo ng insurance pag sure na kayo you can afford it kasi makaka2long tlga kasi in case of emergencies. ingat kayo gus god bless..
nabiktima din ako ng pplic nung may 13. grabe para akong nahypnotized. kahapon napacancel ko n ung plan and tumawag cla for final decision. sabi ko final n un. w8 lng daw ako ng 30-45 days para maibalik sa cc ko ung 8935 n nacharcge sa cc ko. hayszzz.
hi! i also made a similar post from my site..please feel free to read:
http://burberrycheesecake.blogspot.com/2010/05/my-own-taste-of-scam.html
**Some notes**
*If they could try engaging in a small talk, so would you! Try to get to know the person you are talking to as well. In my case, Myrna (the agent) was trying to get to know a little bit of my background, so try to get hers! They would NEVER refuse to answer any personal questions. Use your own interrogation to your advantage when they start making sales, to make them fall for their own trap!
*Make your own research. Instead of experiencing it first-hand (which I totally do NOT recommend), use resources like the internet and read for consumer feedback.
* By all means, ignore the people handing out flyers, or the ones that look like people offering you credit cards, unless you really need one.
* ANY investment should be well-thought of. It is not an IMMEDIATE decision that could change your life. REFUSE if really unsure. No gentle push backs! The offer will STILL be available should you decide to push through with it.
* Most importantly, DO NOT GIVE THEM YOUR CREDIT CARD and DO NOT SIGN ANYTHING! You may not know that you may be signing an authorization to use your card for a transaction that you may be unaware of.
Thanks po..
READ THIS CAREFULLY:
This is once and for all. I had similar cases with the others who posted their comments on this blog. Actually, I searched a lot throughout the web and other blogs concerning this insurance company – PPLIC (Philippine Prudential Life Insurance Company) after nag-avail ng policy nila. Heto po ang na experience ko:
Sunday iyon, pumunta ako ng SM upang mang grocery sana. Sa bungad pa lang, isa babae, at naka suot na parang â€dark-green-office-attire’ ang biglang lumapit at nagtanong if more than 18 years old na ang edad ko. So I say “oo” then she asked if I have CC(credit card) or ATM. Sabi ko, “ATM lang dala ko.” “Ay! Entitled kayo ng raffle ticket na pwedeng manalo ng Honda car at pwde pa maglaro ng slot na may winning jackpot na $10,000.” Yun yung sinabi ng babae sa akin nung sinabi ko na may dala akong ATM. WOW!!! Napa wow ako, “sige” sabi ko. Sinamahan ako papunta sa pinakalower ground floor ng SM with matching pa “chika-chika” style pa sa akin. Pagpasok, pinakitaan ng mga freebies or gift items like tumbler, wall clock, payong, magic pillow at kung anu-ano pang regalo na aking pagpipilian na pwede kong iuwi. Pagkatapos, inalok pa ng ice-tea or water. At that point, feeling ko parang VIP ako. Sa buong life ko, doon ko naranasan na parang big time ako, na parang super star o di kaya very famous ka na ini-entertain ako nang bonggang bonga!. Sabi nila, 45 minutes lng daw kailangan ng time ko, orientation lang para sa company nila para makilala lang daw. At voila! May raffle ticket ka na to win Honda Car, slot game to win $10,000 at may free gift items ka pa. Sosyal! Mukhang mayaman ang company na ito, sabi ko sa sarili ko. Sa loob, ang 45 mins naging 1 hour, na naging 1 hour and 30 mins na umabot sa 3 hours mahigit!.To make the very long long long so looooong story short.. naavail ko yung policy nila. Swipe, debit, pinakilala sa audience using the microphone, pinalakpakan, shake hands, nagpirma, lumabas at umuwi. Para akong na hypnotize! KALOKA!!!
Nung umuwi ako sa bahay, dun ko narealize lahat. Ang lahat lahat incuding this blog.
Here’s my reflection:
5 years to pay, 10 years to wait pa para makuha ang money mo, that’s the total of 15 years. Think about it, 10 years??? 10 years is no joke. Malayo na ang marating ng pera mo sa 10 years. Kung itototal mo lahat lahat, parang mas lugi ka pa sa sobrang baba ng perecentage ng interes nila. It is much better to have it invest na lang sa mga business opportunity na pwedeng madouble or ma triple o much higher pa ang money mo within that 10 years. It is a good reason to say na “insured” ka naman habang dun ang money mo. But the question is: are you SAVING? Or LUGI ka pa? Kasi iniinsist nila na more on SAVING ang concern ng company nila. I DOUBT ABOUT IT. PPLIC is not perfect sa mga taong sabihin natin low-income. PPLIC is good sa may malalaking pera, sa may nagmamay-ari ng big establishment, sa mga high-income company or firm, which, kailangan nila na mainsure ang pera nila â€coz they’re holding millions of pesos. They need trust funds. Ikaw? May millions ka ba? Then PPLIC is one of your options.
The method or strategy na kanilang ginagamit is some sort na â€madiskarte’. Sa mga nagsasabi na scam, pardon me but it is not. Let’s call it “madiskarte tactics” to attract more clients or more customer upang makilala sila. No question about it. However, at some sort of a point, THEY ARE TAKING ADVANTAGE OF ONE’S INNOCENCE. Na tipong niloloko ka na, na pini-praise nang pini-praise ka na maganda ka, or mayaman ka or kung anu ano pang pambobola. Raffle, big prizes, free gift items, perfect location like SM Malls, then that’s it. Perfect combination upang ipahiwatig na very reputable ang company nila since they are operating sa mga SM malls, which, tayo naman, basta sa SM malls, bihira yong may nanloloko, tapos go and go rin tayo. They are very formal even to their dresses and physical appearance. Kudos to them, datapuwat, the POWER OF CHOICE is still yours. After 2 days, since close sila on Monday, bumalik ako Tuesday at pina CANCEL ko yung policy ko. I realize PPLIC is not the best for me, or even sa inyo. You have 15 days to decide if you satisfied with their policy. I am very sad and sympathize ako sa mga taong much worse pa kaysa sa akin since yung iba, CC pa yung nagamit sa kanila at yung much worse pa, ilang years na sa PPLIC at wish na ipacancel. I know for a fact na may kaltas na at malaking waste of time kung tutuusin. Sa gustong magpacancel sa mga wala pang 15 days, bumalik kayo sa office nila sa mall kung saan kayo nagkaavail ng policy. (By the way, “policy” yung ginagamit nilang term since they are calling you as their “policy holder” ng kanilang company) Sabihin ninyo na mag-INQUIRE muna kayo but BUO ANG DESISYON ninyo na icacancel pala ninyo yung policy. In other words, huwag ninyo sabihin agad na magcacancel kayo, sabihin ninyo na mag-iinquire muna kayo since wala kayong naintindihan sa policy. Kasi pag sinabi mo na magcacancel kayo, baka echapwera agad kayo at hini papansinin. Tip ko lang ito sa inyo. But in the end, gusto mo na lang magpacancel. You have your reason. Pwede mong sabihin na, marami ka pang priority sa life mo, na low-income ka lang at hindi mo kaya ang Php 1,610 every month, pwede mong sabihin na marami pa namang time at pwede ka pang bumalik total ang office nila ay sa mall lang naman. Again, I repeat: YOU HAVE THE POWER na pwede mong icancel since PERA mo yong nakuha nila. Don’t leave the office na hindi nacancel ang policy mo. Marami rin silang delaying tactics at 3 to 4 pa na tao ang kakausap sayo hanggang sa manager nila at magtatanong na bakit mo ipacancel. Be aware din na magsasabi sila na i-down grade mo na lang but, heto ang malaking BUT, if you decide na cancel na talaga, DO NOT ACCEPT ang down grade na sinisabi nila. That could be your another problem. Again, don’t leave their office if hindi nacancel yung policy mo. Sabihin nyo na wala na kayong time at kailangan mo ang pera na nakuha nila. TALK to them and INSIST that you want to cancel, but to do it with gentleness and respect. Bear in your mind: CANCEL CANCEL CANCEL, but do it politely. In my case, I gonna wait 30-45 days para ma refund yong pera ko. Its just okay,.I have no worries na since napacancel ko na at hindi na ako oblige na magbayad ng Php 1,610 for 7 years. Para akong nabunutan ng tinik sa likod. Thank you so much guys… I hope that what I posted here will be used as a good reflection sa inyong lahat. GOD bless everyone!!!
P.S.: HUWAG INUMIN ANG INALOK NA ICE TEA OR TUBIG. MAAARING NILALAGYAN NILA NG KUNG ANU-ANO UPANG MABOODLE-BOODLE O MAHYPNOTIZE KAYO. NUNG BUMALIK AKO UPANG IPACANCEL, HINDI NA AKO UMIINOM SA ICE-TEA NA BINIBIGAY NILA. TIP KO LANG ITO SA INYO. BAKA KASI TOTOO. INGAT PO KAYO.
tnx for this info… just now i received a msg from abby oropesa… i try to search some info about this girl… hehehe… when i type her name ang lumabas …. Philippine Prudential Life Scammers!!! hehehehe… pero wala din namansila mapapala sakin… wala ako kahit isa sa requirements nila….
@honest: haha natawa ako sa post mo, na huwag inumin ang iced tea nila haha, sa palagay ko wala talagang pang hypnotize yun at napabili tayo dahil dun hehe. Anyways, agree ako sa sinabi mo na hindi nga scam ang kanilang ginagawa kasi nga alam naman natin na legitimado naman ang produkto nila at nag eexist naman talaga yung insurance policy na binili natin. Tulad nga ng sabi mo sales strategy lang nila yan, lalo na sa panahon ngayon na tag-hirap ang mga sales agents na yan na malamang commision based nagsusumikap makabenta. Hindi lang ako agree na “Taking advantage of ones innocence” ang ginawa nila kasi tayo din naman nambobola eh hehehe. Anyways, totoo yung sinabi mo na nasa atin parin ang choice kung kukuha tayo ng produkto nila or hinde. Nasa atin din ang choice kung papacancel natin ang plan o hindi. Para sakin hindi ko pinacancel kasi sa panahon ngayon na madalas nalalagay sa news na marami ang nalalagay sa aksidente mas mabuti na na may back up plan ako para sa aking pamilya kung may mangyari man sakin *knocks on wood* hehehe. PEACE
hello. navictimized din ako knina. please help me gusto ko na magcancel ng PPLIC.
mcad pwede mo pa yang ipacancel gawa ka lang ng cancellation letter. may 15 days allowance ka pa para ipacancel yan from the time na kinuha mo yung pplc nasa policy nila yan. basa basa k lang ng tips sa mga blog na to.
ask ko lng pwede pa bng macancel khit with in 2 months kanang naka avail?last feb. 26 kc ako eh pwde pa b yun?
@ mel–with regard sa ice tea, ano paranoia lang nang iba yun..kasi when the time na nagpacancel ako uminom naman ako ng ice tea nila. if may nilalagay sila dun di dapat ng nagbago na isip ko at hindi ko na xa pinacancel diba? but dapat ingat pa rin sa lahat ng bagay.
@rene.. hehe.. tip q lang na wag inumin yung tea.. hehe.. malay natin, may nilalagay cla na kugn anu-ano hehe.. gudluck sa you sa pg-avail mo na policy nila. Again, the POWER OF CHOICE ay sa atin pa rin. but 4 me, PPLIC is not the best 4 me. gudluck sa ba, if you think na doubt kayo sa PPLIC, better na ipacancel nyo nlg just like what i did. Godbless every1!!!
sa totoo lng nagpacancel din ako… bale 4 na tao ung kumausap sa kin, ang pnakalast ung manager nila and then ang offer sa kin downgrade nga, means to say mababa ang makukuha ko. that time nag init ang ulo ko lumabas ako sa room and then nagsisigaw ako infront of many clients outside..hangang sa may lumapit na isang girl sa kin ang sabi nia 30-45days ko p daw makukuha ang full amount… grabe inantay p nila ko magwala para lng maibalik full..hirap mag antay im still waiting for 30-45days…sana maibalik nila unT_T
@megz. nagwala talaga? haizt.. control your temper. ganyan tlga jan sa PPLIC, gus2 pa nila i down grade. ako, I insist 2 dem na hindi ko kelangan yung down grade nila. Again, its our choice. but i do suggest, cancel nyo nlg since hindi nman mainam ang mga offers ng PPLIC. invest nyo nlg ang money nyo. try nyo sa BDO. maraming offers cla. Godbless every1
hi guyz i availed their endowmnt policy nung may 18 lng.. i found this blog knabukasan, may 19.. i went to sm north wer i got d policy.. sbe xken nde rw nla magaguarantee na mare2fund xaken ung full amt na knuha nla dhil nde rw enough valid na dhil sa negativ feedbcks na nbsa cu eeh ipa2cancel cu na ung polcy.. i decided to contnue d polcy nlng.. im still so bothered bout this.. sh*t !! help po pls..
@bitz. hey bitz, bkit hindi mrefund ung money mo? eh in the first place wala pang 15 days ka nung huling nag avail. i do suggest na bumalik ka and INSIST na ICANCEL ung policy mo since ayaw mo. Sbihin mo “its my right to cancel this policy since I am not satisfied with your policy. Thats it. Period.” clear na clear sa pinirmahan mo na may 15 days ka pa not to avail the policy. Be STRONG sa pagsalita at ISIPIN mo, money mo yung kinuha nila. Magpasama ka ng mga kaibigan na mataray at may alam sa larangan na ito. Wag sayangin ang pera sa hindi mo gustong i avail. You have time pa, so DO IT na. NOW na!
@bitz. go back there and inquire about the plan….tell them that u can’t afford the plan even they will downgrade it….insist that you have your rights to cancel it and you will make a report to the Insurance Commission about the matter…goodluck
Ingat kayo sa SM megamall sana ako mabibiktima nito..nun thursday (May 20) mabuti nalang d ako nadala sa panloloko ng mga nandun..i remembered yun name nun kumausap sakin was FRANCIS XAVIER..i dont know if its his real name and he is a UP DILIMAN psych grad DAW!…infairness magaling talaga sya magconvince kasi madami pa sya namention na mga artista na nag avail nun pero sorry nalang..d ako mabilis nacoconvince sa mga bagay na yan…so please mag ingat nalang kayo sa mga nag tatanong about credit cards..
hi..may nagtext sakin from Philippine Prudential at nanalo daw ako ng rewards and privileges.. tumawag ako sa kanilang office at di nila masagot ng maaus ang tanong ko kung pano nila nakuha ang no. ko at kung may permit b cla from DTI…
nagtatanong din ung Trixie kung may valid IDS ako at Credit Cards, lalo akong nagduda.. nabasa ko p mga comments nio.
Ingat tayo, mukang mas madami ang manloloko nowadays.
Godbless
@honest uu d ko na kc tlaga matiis eh..kaya dun ako nag voice out in front of their clients…hahaha! can’t see myself na mgagawa ko nga un e.. now, i’m still calling in head office to make follow ups.. mdami nman nagsasabi d2 na nkukuha tlaga…hayzzzz God help us^_^
Hi kahapon nakapag avail ako ng plan nila then nung kinausap ko family ko pag kauwi ko sabi skin i pa cancel ko na then basa ako dito. Kaninang hapon pumunta ako sa SM North Edsa para i pa cancel na yung premium ko sabi nila hindi ko na daw pwede i pa cancel.. please help me namn po kung panu po gagawin ko po.
@gotwoot. pwede mo ipacancel yan, read mo lng ibang suggest d2. i do suggest, bumalik ka dun sa SM north then IPAKITA mo dun yung nkalagay na 15 days free look period heto ang nakasaad dun:
“THIS POLICY HAS NO OBLIGATION WARRANTY WITHIN APERIOD OF FIFTEEN DAYS FROM THE DATE OF RECEIPT OF POLICY (I.E. 15-DAY FREE LOOK PERIOD), DURING WHICH PERIOD, I MAY DISCONTINUE WITH THE POLICY IF FOR ANY REASON I AM DISSATISFIED. … …”
it is very clear nman na pwde mo icancel. so go bak ka dun. i do suggest also i photocopy mo yung docs na nabgay sau pra may copy just in case umabot sa korte yan. hehe.. be firm sa pgsagot na ayaw mo yung policy nila since d mo kaya or ayaw mo yung policy. dats it. period. kaya mo yan. do it wisely but firmly and with gentleness and respect. Godbless every1!!!
Muntik na din ako mabentahan nitong mga ito kahapon sa SM north. Tumagal din ako dun sa office nila dun sa isang sulok sa may annex ang dami ng tao dun. Ang galing galing talaga nila mag sales talk, buti nalang naisip ko wala akong pera pambayad hehehe, tapos sinabi ko wala akong extra income to alot for insurance. Nag offer sila ng mas mura na insurance pero in the end dumikit lang ako sa desisyon ko at pinaalis naman nila ako hehehe at least may nakuha akong payong. Dapat lang talaga wag tayo ma pressure sa mga agente na yan nasa atin parin ang huling salita. We will always have the LASt say hehe
I want to convince my self na kaylangan ko nga ang PPLI. Siguro nga magaling si Jomar na giging Jona (nagsales talk) at si Angelo na Angel daw pag gabi (nangaalok ng raffle car).Kabadtrip kasi sb nga 45 mins lang daw e inabot km ng 4-5 hours sa loob. Aware ako about the debits and i signed it.Pro d tlg ko mkatulog pag naiisip kong nawalan ako ng 14+++ ng harap-harapan.I researched about this company at first i convinced my self that it is a well established one kc nga umabot na cila ng more than 60 years. Kaso to think na nakakaloko nga ang strategies nila to convince the client, ano pang mga mas nakakalokang strategy and susunod for 15 yrs na member nga ako. I will cancel the plan ASAP.Ok lang maghintay ng 30-45 days para maibalik ang pinaghirapan ko. Mas mbuti na un kesa sa 15 yrs n hndi ako makatulog. Sana matuto na tayong magsabi ng NO lalo pat di tayo sure sa pinapasok natin.
hai guys..plss help me kung pano ipacancel ung policy??? khapon lng din ako naloko ng company na to…Im from tuguegarao city pa nman..dont know wat to do na tlga…ang lake ng kinuha sakin eh 52000,,,,kung cno man po ang concern jan,..txt me plssssss..09262562888…..para matanong ko nmn po sainyo regarding d [rocess of cancellation,…dont have my laptop hir iniwan ko eh kya nakinet lng ako naun sa kapitbahay,..plssss plss do txt me…have to log out na po,….tnx sa mga tutulong….godbless u
dis is my smart no pla 09995202849…plss guys text and do help me,,..
Hi L&G, PHIL. PRUDENTIAL sent a txt message to me , Here is the message.
FINAL NOTIFICATION: Gud day! This is Nathalie De Guzman from PHIL. PRUDENTIAL. Your 3 Exclusive Reward and Privilages for FREE are still here in our office. you need to claim and Activate Today because the management will finalize all the records of our clients/recipients who dont claim their rewards. For your Claming Code which you will need to present upon claiming; you may Call us exclusively in our Makati Office from 9-5pm for further information. Ito po ang kayang cp No. +639185787772. sana throught this number matigil na ang scam na ito. thanks
@honest & pylip.. kei kei pu.. tnx sa advice ahh.. nde cu lam kng bket acu napa-oo sa policy natu.. haist.. wil kip u posted guyz..
Hi Guys, I just received exactly the same message Vojo above received. Then I called the landline number indicated on the text message. A girl named Camille told me that I won an insurance and sort of an educational plan and a raffle ticket….. I never realized na this is sort of a scam pala…. buti nalang hindi ako pumunta.
alam nyo dalawa ang naglalaro sa isip ko nung mabasa ko ang blog na e2 mula una comment hanggang dulo,,myron nagsabi na naloko cla,,myron nman na ok lang na ituloy ,,sa company diskarte ang pinairal nla para makakuha sila ng costumer,,ang akin lang kung talagang d ka rin nagkainteres sa mga raffle nla d tayo maloloko at dapat bgo muna mag go pagaralan muna ang mga hakbang kc sa huli talaga ang pagsisisi,,sa isang banda ikaw pa din ang magdesisyon kung tutuloy mo,,o ilagay na lang sa ibang negosyo kung d tayo mkahintay ng taon ok sana kung sobra sobra ang pera mo,,ako member ako sa ibang pre needs company,,nung una kc ok sa akin kc magavail ng product ang sarili ko naisip ko,,kc pagedad ko,,maganda pa work ko that time,,ngaun bigla nawala ang work ko wala na ako panghulog ,,minsan gipit ako nagdadalawa isip ako kc nanghihinayang ako sa nahulog ko kc half na lang tapus na,,at ngaun naisip ko na kunin na lang kc kaylangan ko kahit d na full bgay sa akin,,sa mga nkaavail na at d pa nakakuha, kayo po ang my kapangyarihan sa gagawin nyo kung sa palagay nyo tama gagawin nyo wag kayo magdalawang isip.
GODbless guys,,,, mga pagsubok lng yan. Kung ano ang nasa puso nyo, sundin nyo.. well, base on my experience, PPLIC is NOT the best insurance u can avail. if u think sa tactics plang nila na pagkuha ng clients ay doubt na kau, much better cancel nyo na lng o di kaya humanap nlng iba o di kaya huwag mo na kayo mag avail ng insurance if hindi pa ninyo kaya in a sense na evry month eh magbabayad kau. tpos f kailangan mo ung pera at wala pa sa maturity date eh kaltas pa ang mkukuha nyo.. sugest ko lng yan guys… but I think it is true nman ung mga sinabi q…
PPLIC is NOT the best. Period.
my sister experienced that also and she got angry, sa tagal ng daldal hanggang na hypoglycemic na sya. then i was victimized recently, sa dami daming explanation nila and telling pa na how could the sm city will give them the place kung hindi sila legal. ang pinagtataka ko lang na mag ipon as what they called as endownment savings na magbayad ka sa same account mo gamit ng credit card. nong narinig ko yon paalis na ako then dumating ang manager and convnced me again, but i finally walked out without swiping any card. ang worry ko lang until now ay nabigay ko lahat na mga details ko about myself, address, benificiary etc. but still they are there convincing people everyday na naka office attire pa sila – ang theme nila ay tulong lang po sa kanila. hope na presence of mind lang in dealing with these kind of marketing.
ang dami namang mga comment sa blog na ito. Alam niyo nung nabasa ko ito na realize ko na ako din ang may kasalanan kaya napabili ako ng produkto nila. Kasi hindi naman nila ako ni require bumili e. Makulit lang sila talaga mag benta pero sino ba naman ang hindi ganun lalo na kung sales ang trabaho mo. Pag wala kang benta wala kang kita. Hindi naman nila kasalanan at magaling sila mag small talk at na papabili tayo. Na realize ko din naman na ako naman ang nag baka sakali na manalo ako sa raffle nila eh yun ang ginawa ko na dahilan para sumama ako hahaha. Sa tingin ko nasa atin parin naman ang desicion kung bibili tayo. Kaya hindi ko din masabi na niloko nila ako, kasi hindi naman nila ako niloko eh, binentahan nila ako at dahil magaling sila mag salita bumili ako. Hindi naman totaly bad yung experience eh atleast natutunan ko na dapat hindi ako bumigay sa pressure selling nila. haha yun lang po ang gusto kung sabihin.hehe Gud luck nlng po sa inyo
ako kaninang alas dos lang ako ng hapon naloko…hayy nag swipe ako ng cc ng 16,200.00. Ang sabi nila e i checheck lang daw kung approve or not nabigla kao bakit lumabas na ung merchant and customers copy and papasign na sakin tapos nung magrereklamo na ako dumating ung manager tapos kinonvince nia ako then napilitan akong sumang ayon kse sabi nila for savings lang daw..paglabas ko ng SM pampanga na realize ko na parang naloko ata ako dun sa policy nila kaya sinearch ko sa google ung name nila then i found out na marami rin pla silang naloko!! tapos tumawag ako sa BMO Canada para ireport na pina boblock ko na ung cc ko kse na scum ako. Paalis na ako ng canada sa linggo may 26, 2010. kaya for sure pupuntahan namin ng tatay ko ung branch nila sa SM PAMPANGA. then im gonna find out tom.
sana mapayuhan nio ako kung ano ang taman kong gawin..pls anyone???
@Lala- hi. sa SM pampanga ka rin ba na scam?? musta ung pinapacancel mo? mabilis lang banilang iprocess dun?? ano ung hiningi/ginawa mo nung pumunta ka sa SM Pamp? same person din ung nag approach sakin name nia Aries. Tapos nung pinapasok na ako un Jon Paul Ninoy naman ung nag explain sakin tapos 2 manager pa ang nag convince sakin dun s a loob kse doubt na ako..then sobrang explain pa nila tapos napa swipe din ako kse ang galing nilang mag convince ng tao. Sana help mo naman ako kung ano ung ginawa mo..tomorrow mag 1 day plang ung policy inaplay ko.
bakit ganun ung sakin? nagbigay n ako ng letter to cancel ung insurance policy ko with receiving copy pa nun last may 17 pero pinadalan p din nila ako ng insurance policy kahapon may 26. kasi naswipe din ung card ko nung may 13 e decide kaagad ako ng pacancel nung may 17. tapos nagulat ako meron pinadala sa akin n policy. help nman po
hi guyz !! got my policy cancelled na nung friday,, 30-45days dw processing ng chargeback of the amt they deducted on my cred card,, cust service asst lng kumausap xaken,, 1hour lng kme dun,, grabe !! nung unang punta cu dun to cancel 5 people kumausap xaken !! well at least settled na,, i’ll be checkng nlng on d bank,, gudluck senyu guyz and tnx for this blog !! great help !! ayt !! =p
hi everyone! di ko na sasabihn kung kelan ako nag avail ng plan but yung 30-45 days na charge back processing nila eh mas mabilis pa dun. di na aabot dun basta follw up lang sa PPLIC and sa CC bank nyo. and i don’t think na scam nag PPLIC. its just their marketing strategy..
oops by the way. this is my first time na nagcomment dito.. ayun. basta sa mga may balak na magpacancel ng account good luck sa inyo. kaya nyo yan basta sundin lang ung mga past na post d2 about cancellation kc ganun ung ginawa ko. sa may SM North ako nadale ng matinding sales talk. actually di talaga ako basta2x nagpapaloko sa mga ganyan pero totoo ang sabi nung ibang nagcomment dito na pag andun ka na eh mahihirapan ka ng mag decide. kc naranasan ko na. basta pag nagpacancel kayo lagi nyo iisipin na cancel na. ipilit nyo ang chargeback. wag kayong umalis ng walang chargeback na nakalagay sa letter of cancellation nyo. kaya nyo yan. ako nga nagawa ko ng ako lang mag-isa. basta be nice pa rin when you talk sa kanila. although meron pa rin talagang matigas dun, isipin nyo na mas matigas kayo. isipin nyo na sayang ang pagkakataon pag nagpatalo kayo. basta be firm sa pagsagot. kayang kaya nyo yan. pag nagsabi sila ng downgrade (take note sa word na “downgrade”) insist nyo na cancel na talaga. good luck everyone! basta don’t forget to pray to God. magpray kayo na sana lumakas ang loob nyo. di nya tayo pababayaan. that’s all! God Bless everyone!!
very well said.. i agree with steve fox. tama ang lahat ng cnabi niya. congrats bitz at least napa cancel mo na rn sa inyo.. oo mga pips, lakas ng loob lng tlaga.. kaya nyo yan CANCEL CANCEL CANCEL… GUdluck guys….
Naku buti nalang nabuksan ko itong blog na to. Katatawag lang din nila sa akin an hour ago. Sabi nila basta punta lang daw ako sa office nila tas dalhin ko 3 IDs ko with my cc. Tnx for all your comments! Sana makagawa ng actions lahat ng nabiktima nila para di na nila gawin pa sa iba. Sa panahon ngayon, mahirap talagang magtiwala ng basta-basta. Pero sa mga nagtitiwala kay Jesus, tiyak di sila mapapahamak. God Bless Us All!!!
wala lang. padaan! hehehe!
by the way thanks kay honest!
hi everyone.. new here. I’ve been a client for this company for 1 year na rin. so far so good naman. well I had the same experience the way they get a client na yung feeling na hinarang kanila. Of course sa una makakaramdam ka tlaga ng confussion but in a long run naman ok naman yung plan, it was just the way they get the client kaya ganyan feeling na naloko. pansinin nyo, almost all of the comment here are about how they get into the policy or plan nila.
@ ahay: actually that’s the point. it’s the way nang pagbenta nila ng insurance. well kung masaya ka sa ganyan, were also happy for you. but sa part namin is di namin kaya yung babayaran so kaya kami nagpacancel ng account sa PPLIC. i think we all should learn a lesson sa mga nangyayari sa atin. anf sa lahat ng nagcocoment dito na scam ang PPLIC, i dont think na ganun nga sila. it’s just the “way” or the “Strategy” para makabenta. kahit dumating na sa punto na magsinungaling ang mga sales rep. nila eh gagawin talaga para makabenta.
i just received a call a few minutes ago… the offered me a tranferable emergency insurance worth 25k, a 4 year scholarship without any expiration & a chance to win 50k… good thing i checked it out at the internet… thanks for the concerned citizens who made this…
sa lahat ng di pa nagpapacancel ng account, cguro naman marami na kaming naibigay na idea para sa inyo. so don’t lose hope ok?! ako kasi noon binasa ko muna dito ung mga dapat gawin at humanap ng tamang oras para magpacancel. baka kasi ung iba dyan ngayon nakakuha ng insurance tapos kinabukasan magpapacancel. tapos bigla na lang magsasabi sa site na to na di nila nakuha ung dapat nila makuha. i mean di nila napacancel agad. ako 5 DAYS pa ko nagkalakas ng loob para magpacancel. kasi binabasa ko muna dito ung gagawin. kumbaga humanap din ako ng tamang oras para sumugod sa PPLIC. remember guys “5 DAYS” simula nung nakuha ko ang insurance bago ako nagpacancel. so yung sa inyo eh makukuha nyo rin. basta wag lumampas sa 15 days para madali ang cancellation. para sa iba na pinanghihinaan ng loob na gaya ko dati, tip ko lang eh basahin muna ang mga post dito para may idea kayo sa mga saabihin nyo. for sure di lang isang tao kakausap sa inyo pagdating nyo dun. magpractice ng mga sasabihin bago sumugod dun. parang giyera lang yan guys, wag kang sumugod ng may baril ka pero wala namang bala! gets po ba?! dala mo nga mga documents mo pero wala ka namang maibato sa kanila kahit isang salita. so useless ang pagpunta. mapressure ka pa kasi madami kakausap sayo. mahina na ang 3 persons na kakausap sayo. eh di lalo ka ngayong nataranta diba?! basta it takes time. magbasa basa muna dito, then magpractice ng mga saasbihin tapos pinakada best na paraan eh MAGPRAY. it really really works! 500% sure!! tapos pag ready ka na eh di SUGOD na!! BUT, BUT, BUT, “IN A NICE WAY” ok?!!!
hi guys kakakuha ko lang ng policy nila kanina. Mapilit nga talaga sila magbenta pero kinuha ko parin mukha namang ok yung plan nila eh. Hindi din naman natin kasi masasabi, malay natin biglaan tayong madale hehe sana wag naman pero para sakin ok na investment toh para atleast kahit papano may makukuha pamilya ko kapag bigla akong na todas. May PAYONG pa ako hehehe sulit na sulit. Hindi naman ata ito scama tulad ng mga sabi ng tao dito kasi nasa SM nga sila eh sa tingin ko naman hindi papayag ang SM kung illegal na company toh haha. Yun lang powhzzz. Gud luck nlng po sa inyo.
actually mag one month na simula ng nag avail ako sa PPLIC at after 5 days eh nagpacancel din. pero ang unang comment ko eh nung may 31 lang. sinusubaybayan ko kasi ang site na to kahit na cancel na ang account ko. binabasa ko pa rin ang mga comment dito. kasi sa sarili ko eh gusto ko rin kayong tulungan. so sa mga gusto nga na magpacancel eh magpost lang kayo dito. di ka nag-iisa. andito kami. take note sa word na “kami”. kasi di lang ako ang tutulong sayo. marami kami.
@ josh: i’m happy for you dude!
at least nag stick ka sa decision mo na kumuha talaga ng policy. and take note that this is not a scam. marketing strategy lang talaga to. and hindi ko sinisisi ang mga employee ng PPLIC about dito. sa hirap kc ng buhay ngayon talagang lahat ng pagkakakitaan eh gagawin mo. naiintindihan ko ang mga employee ng PPLIC kung bakit ganyan sila kakulit mangumbinsi ng clients.. kasi ginagawa rin lang nila ang trabaho nila. and hindi ko ginagamit ang word na “NABIKTIMA AKO” kasi kasalanan ko rin kung bakit ako nakumbinse. talagang ayaw kong kunin yan pero dahil sa pamimilit eh kinuha ko na. so it means na hindi ako nagstick sa isang decision. nagpadala ako. and that should be a lesson for all of us..
ako din na loko last month lang ng mga yan 23000 un na charge saken…pano ba un pd natin gawin jan?ano kaya kng lahat tau mga naloko eh mgsama sama mgpunt dun at sa sm mall admin para hindi na sila mkapag operate jan….
pano mo napa cancel un sau kc ako talgang na victim lang…sabi nila titingnan lang kng ma aaprove ako..akala ko naman titingnan lang kng qualified ako…nlaman ko na lang na may na charge na saken na 23k…nun pinapacancel ko hindi na dw pd…pano ba pd ko gawin 1 month na sa june 6 un incidence na un…help me naman…mail nio nalang me…sw33t_maria17@yahoo.com…tnx
guys, be aware kayo pag sinasabing “titignan namin kung iaapprove ng bangko” or “titignan namin kung qualified kayo” guys, ang atm kapag na iswipe transaction kagad un… Di ba pag sinabing approval may lalakarin ka pang papeles, pupunta ka pa sa bangko, bitbit legal documents, pag aaralan nila and then dun papasok ung salitang approval db? Kaya ingat kayo guys…
Thank GOD! That’s all I can say! I just got my Insurance policy from PPLIC last Saturday. Pagkatapos ng ilang araw na pagiisip, I decided to continue my policy, Nung nabasa ko ung content ng policy it seems great, worthy ung pag stay ko ng two hours sa office nila kasi if I a going to think na wat if mga madedo ako mas malala kung problemahin pa ko ng family ko. Im glad to have policy from PPLIC and this is my first time. Thank you for bringin security for my family.
HELLO!!! Pagkatapos ng ilang araw na di ako nakatulog dahil feeling ko naisahan ako sa MALL last Week Wednesday. Early this morning Im proud to say that I made a right decision to continue the policy that I availed last wednesday from PPLIC. Their sales rep on that day if you will going to thing negative, yes may felt harrassed, but in the end you will see the good side that they are offering. They will make you understand the importance of being secured. Thank you PPLIC.
HI everyone! this is my first time na nagcomment dito sa site na to pero matagal na nacancel ang account ko. actually everyday kong binubuksan to kahit na ngaun pa lang ako nagcomment. nagpacancel ako for about 8months na. before anything else, medyo duda ako sa mga comment ni carmen and ason. kasi magkasunod silang nagcomment at pareho pang pinuri ang PPLIC. cguro isa sila sa mga employee nito at sinusubaybayan din ang site na to. what do you think arpee lazaro?!
puwede po ba ipacancel yung policy nakuha ko sa PPLI march 29 po ako naloko,na pa member po ako ng biglaan magaling sila magsalestalk sa umpisa pa lang duda na ako sa kanila sabi sa akin may libre po na pa raffle at puwede pa manalo ng HONDA ang sabi sakin 45mins lang daw yung raffle pag pasok ko sa loob hindi naman pa raffle yung ginawa namin nagbenta siya ng policy sa akin at nakuhaan ako ng 24K na cash thru ATM ko,masakit sa loob ko po yun dahil may pag gagamitan ako ng pera na yun,pumunta lang ako sa SM megamall nabawasan na ako ng 24K na cash gusto ko ipa cancel yung policy na binenta nila sa akin at gusto ko po mabawi yung cash na na kinuha nila sa akin baka hindi ko na po mabawi yun,please help naman po,magaling sila magsalestalk kaya parang mahirap ipacancel yun!!! thanks po sa lahat!!!
actually, CARMEN and ASON posted comments minutes of each other. they were both using the same IP address 67.159.45.97, this is a confirmed Proxy Server based in Illinois. what does this mean? they were probably made by the same person or by two persons na nagusap. tama ka boy mondragon, malamang employees sila or supporters ng PPLIC. my hunch is, PPLIC SALES AGENT ang nagpost nitong 2 comments.
both email addresses are fake too. this really says a lot about PPLIC
@ben: kapag binasa mo yung mga comments sa blog na ito makikita mo na ang dapat mong gawin ay magtanong sa main office nila sa may ortigas. Cgurado ako na mapapacancel mo yung policy mo dun. Dun ko din kasi pinacancel yung policy ko hehe. Good Luck.
@all na nagpacancel…
galing ako kanina sa main office nila… because I wanted to have my policy cancelled..
wala daw si Ms. Carla… dahil naka-leave. So I was entertained by a certain, Jen Rafiñan… Sabi nya, hindi ko pwedeng i-refund yung full payment ko for the whole year.. (actually one year na po yung policy ko)… ang makukuha ko lang is 6,xxx.xx. dahil iyon lang daw ang equivalent cash value?
sabi ko baket… kase daw yung policy availed ko is dual insurance.. (????)… which is savings and a life insurance… sabi ko.. then savings nga sya e.. as per agent niyo last year, i could refund the money after one year if i want to terminate the policy… so bakit cash value lang ang makukuha ko..?
actually, ang sabi nila dun sa cash value is… pwede kong makuha ung cash value for a specified year since eto nga ay parang savings pero tuloy pa rin yung policy… so nagyong kina-cancel ko ung policy ko.. bigla akong na-frustrate nung sinabi nila na HINDI PWEDENG I-REFUND YUNG pera ko… wow!
dahil nga daw endowment plan ang kinuha ko… (HUH?)
Please help me… may pagkakaiba ba ang endowment plan?
parang ang lahat dito… andali nilang naipa-vancel yung policy nila.. bakit ako ganito nangyari…? what should I do?
please help..
@arpee. yes you’re right arpee. maaaring isang tao lng yan cl. kasi the way na pagkasabi nila eh ganyan na ganyan ung mga nasa PPLIC. of course, marami ring ang nkakabasa nito ng blog mo. both anti ang pro PPLIC. even mga sales agent nla naloloka na sa kakabasa nito. they can even use this blog para paghandaan ung sasabihin nla sa client nila. well, isaid, the TRUTH begins here: i strongly declare that PPLIC is NOT the best insurance yet, if you think cant avail the policy, go ahead and cancel it. i hv already cancel mine, but i keep following this blog. medyo concern kc aq sa iba na natataranta na at naguguluhan ang isipan. i suggest guys, CANCEL it. its just a mere suggestion. hope it helps. at warning sa mga “AGENT” ng PPLIC na mag cocoment sa blog na ito, well hindi nyo kami maloloko. its not your room here. wag nyo nang paabutin yung mga papuri sa PPLIC. u hv space sa mall, dun na lng kau. ok????
omg, i had experience that too, last may 27, 2010.
but unfortunately, until now i haven’t canceled my card.
how can i cancel it, can u help me., ive been there at sm north to cancel it but they said that if i will cancel it, i cant get my refund…
HONEST IS RIGHT! sa mga agent ng PPLIC this is not your room. were not saying that PPLIC is s scam but this is not the BEST insurance.. ang page na ito ay hindi para purihin ang PPLIC. ginawa ito para magising ang mga employee ng PPLIC sa pagbenta ng insurance. to carmen and ason, please read yung mga recent post sa site na to. sa tingin nyo ilang percent ang gustong magpacancel at percent ng mga nagpatuloy ng insurance?! ano sa tingin nyo?! ako tingin ko ang ratio is 9 out of ten ang gustong magpacancel. so at least may idea na kayo kung bakit ginawa ang page na to. and ang point n arpee eh iisang IP address lang ang ginamit ni ason and carmen. so it means that YOUR USING THE SAME COMPUTER. tapos halos magkasunod lang ang comment. pwedeng iisang tao lang ang gumawa or pwede rin na dalawa pero one thing’s for sure,, your using the same PC. kasi confirmed ni arpee na parehong IP address yan.
guys please help KATT sa kanyang situation. one year na kc syang member unlike sakin na 5 days lang nagpacancel. please reply asap. read nyo ung comment nya.
@ jhen: bigay mo YM mo dito. maybe i can help.
@jhen: wag ka magpa cancel sa SM North Pumunta ka sa Ortigas dun sa main office nila. Mas madali magpacancel dun. Mas ma eexplain pa nila sa iyo yung mga mangyayari pag nagpacancel ka.
Nakakatawa naman yung ibang mga nag comment dito haha. Same Ip na nga mag kasunod pa ng post hahaha. As for my experience with PPLIC hindi ako nagpacancel nag downgrade lang ako to a much cheaper and affordable plan hehe sayang din naman kasi yung insurance haha lalo na sa panahon ngayon na naghihirap mga tao hehehe GO Noynoy!!! ikaw ang mag aangat saming mga pilipino hehehe. Anyways naisip ko lang na mahal ang pagpalibing ngayon ayaw ko na mahirapan ang aking mga iiwan at least kung biglaan akong ma todas may makukuha sila galing sa insurance na ito every bit helps d ba hehe. Inisip ko nalang na Investment siya with a few more perks haha. Yun nga lang medyo na hassle ako nung binebentahan haha ang tagal ko dun mga 2hrs cguro haha na lugi ko naman ata sila sa iced tea :> hehehe nakarami din ako hahaha. Good luck nalang po sa inyo. sa mga magpapacancel at magpapatuloy ng policy nila. tandaan niyo lang. THE CHOICE IS YOURS AND YOURS ALONE. haha
ei bat ganun ngpunta me s north tapos sbi dun wla dw kami mkukuha kng mgppcancel kami…den ngpunta kami sa main..tapos ni refer lang din kami dun sa pinaka hed ng north at ngaun para kaming mgconference sa north kng i rerefund pa..kc pag after 15 days na mula nun kumuha ka hindi na rw ma rerefund….guys help naman kaht dun sa main ofis nahirapan ako mgpacancel…ang nkausap nmin is c ms lyn ba un…
plsss help naman 1 month na un aken dis june 6..nun ngpunta ko sa ortigas un pinaharap nila saken is ung taga north din na c ms MARICEL DELA CRUZZ
@katt. sad 2 say but the correspoding cash value after 1 year ng endowment plan mo un lng ang ibibigay base sa mga declaration na pinimarmahan u. they are making us CONFUSE na cnasabi nlng savings dw pero its a mere fact ENDOWMENT pla. they keep on DECEIVING their clients the real truth. sa madaling sabi, eto yun: after mag avail ng policy nila, i think it is not a savings plan, they keep us on telling that it is a savings plan or sumthing bit IT IS NOT! endowment pala yun just like what happen to you katt. ENDOWMENT PLAN is a life insurance that pays a set amount to the policyholder when the policy matures or to a beneficiary if the policyholder dies before maturity. ibing sbihn yan, mkukuha mo ung money mo with a c orresponding interest in a SPECIFIED year, that is 15 years after mo nag-avail. that’s the ULTIMATE REASON why pinicancel ko dahil initindi ko yung policy nila which is NOT THE BEST for me, or for everyone else. my advise to u is this, if think na hindi kna masaya sa policy nila, better CANCEL it and get the corresponding value for which, one year kna nga, so that’s something 6K nga sbi mo, kesa you gonna wait for the remaining 14 years, tpos every month eh magbabayad kpa. dun lng lalo mas sasakit ang ulo mo. hope it helps.. keep going guys… Godbless us all..
tinuod gyud nga SCAM gyud ni sila…Hapit ko maviktima ani nila. nadala gyud ko sa representative nila sa ilang room pero…pag-binanggit na nila yong Credit Card, ibang usapan na yan…hindi talaga ako nagpatuloy kahit sinabihan ako nang kanilang representaive na baka sayang daw ang oppurtunity..
Iba na kasi eh, kapag credit card na ang pinag-usapan. Kaya kayo huwag nyong ipa-alam sa iba yong detalye ng credit card nyo. Mas mabuti kung meron kayong dummy na credit card..kasi madali lang kaltasan yong crdit card nyo kapag nakita nila ang Credit Card Number mo at ang 3 digit sa likod ng card mo…Kaya alisto tayo sa ganito…
Hope this could help us out..Salamat..
Maria,
To make you safe.. Puntahan mo yong Credit Card Bank mo,
Sabihin mong pasamantalang pigilan ang anumang kaltas. Kasi Hidden charges yan eh sa kanila..O ipa-close mo yong credit card mo pasamantala, kasi pwde naman ipa-reopen mo ulit yon..
@honest
ibig sabihin po ba, there is no way I can refund the whole amount?
Actually, I have the same experience with most of the pipol here, na naharang lang ako sa star mall… and just told me that it was just a 45-min talk to introduce the company… I still have an hour to spare waiting for my friend so i come with them. and then the rest is history…
but guys, i am honestly telling you that i asked the agent, what if mag bago ang isip ko, or hindi magustuhan ng husband ko.. can i cancel it without hassle or even i could even refund the money? sabi nya, YES I CAN CANCEL IT, PERO I CAN’T REFUND KUNG ANO MAN ANG NAHULOG KO NA… SO IF I WANT IT TO BE CANCELLED, I HAVE TO WAIT FOR A YEAR IN ORDER FOR ME TO REFUND THE WHOLE AMOUNT EVEN THE INITIAL PAYMENT..
kaya nung nalaman ng husband ko, I asked him na, patagalin natin ng 1 year for us to refund the whole amount. kaya ko siya pinatagal ng 1-year. Since I don’t have the time to review the documents, all I have is the confidence and trust about the company…
So, I was totally shock and frustrated nung sabihin sa kin nung Jen Rafiñan that I could only have the Cash value.
Pero what the agent discussed me is yung cash value is the amount that i could withdraw for the specified year since it is also a savings account.
I just wanted to share you this… so it is a total deceitful strategy.
Until now, I can’t still give up to get my money back… that is why I am asking any help..please..
KAtt:
Ganyan din nangyari sa aken…gusto kong icancel yung policy pero ng tumawag ako sa kanila ang sabi kailangan daw paabutin ng 1 year para may marefund daw ako.pero sa dami ng mga blog na nabasa ko parang nakakaloka na ito!!!pinaghirapan nating bayaran yung monthly premium tapos sabihin nil acash value lang ang makukuha.unfair yun diba??? nagtry kana ba magpacancel ??? anu email mo pra makapagusap namn tyo about sa dapat na hakbang na gawin natin…thanks
precisely… they keep on DECEIVING nga, they taking advantages of ONE’S INOCENCE purkit medyo hindi pa natin alam ung tungkol sa policy nla. KASI, they DO NOT give us a time para BASAHIN yung policy nila ng maayos at INAAPURA pa nila na iavail yung policy nila. ang pag-avail ng insurance plan ay hindi instant na sa 45 min ay mapapa “oo” kna. so my ADVICE to everybody, BEFORE you say yes to the PPLIC, AGAIN AND AGAIN, basahin muna yung policy either na gustuhan mo ba o hindi o napilitan ka lng. that’s the function of 15 days policy nila. nung nbasa ko after isang araw ng pag-avail ko, sabi ko parang hindi angkop ang insurance na to sakin. so pina CANCEL ko. @katt, pls review yung NONFORFEITURE VALUES CHART na binigay nila, makikita mo yung CASH VALUE ng isang taon mo sa PPLIC. may RPU o REDUCE PAID UP clang kung tawagin. sad to say nga, parang malabo na mkuha mo ung pinaka REFUND ng pera mo. in fact, dito nga sila kumikita sa mga RPU kung saan parang penalty mo xa if hindi mo tatapusin yung policy nla. pls review all your docs that you have signed para ma clear sa u rin so that you INSIST to them na hindi klaro inexplain ng sales agent nila. keep on praying.. GODbless to every one.
@ honest
Thank you po sa pagliliwanag.. I am totally clue less about it…
Pero I am still praying na sana makuha ko.. kundi yari talaga ko sa husband ko..
@ marie
opo. nung June 4, 2010 po nagpunta ako sa ortigas.. yun nga po.. nakausap ko yung Jen Rafiñan.. I am totally disappointed..eto po email add ko. hokee07@yahoo.com
i hope you could contact me… kase I really need it badly. HIndi ko pa naman alam kung san ako hihingi ng tulong about this since I have to work for 12 hours a day… I don’t really have time. And just imagine yung effort and gastos ko pa pagluwas from Batangas… hayyyy.. super nakakaloka!
hi guys.. sa mga nahihirapan mu ipacancel wag pu kayo basta basta mawalan ng pag asa kasi u have the right po na ipacancel ung policy niyo… kasi naexperience ko din yan at ng officemate ko nitong june 4, 2010 lang nacharge ako ng Php 17K at siya 8K nablop kami ng ganun ganun na lang because of their dirty strategy and speedy transaction…. June 5, 2010 nagpasama kami sa dadi ko para siya ung makipag usap cause parang na trauma ako and my officem8… Sa pag punta namin ako muna ung tinawag den hindi pumayag dadi ko na akolang kausapin so siya ung naging spokesperson namin ng officem8 ko for that… halos 5 na empleyado may manager, asst. manager, customer rep.. ung kumausap samin na hindi daw puedeng icancel un dahil bank to bank transaction na daw un.. talagang gumagawa sila ng way para hindi maicancel ung samin… sumabat ako na CERTIFICATE OF CANCELLATION lang ang nid namin para macancel ng cc ko ung naicharged sakin.. nakipag usap na kami sa bank at un ang nid namin… so hindi pa din.. ung dadi ko ang nakikipag usap and askin kung magbibigay ba sila o may makukuha ba kami dis day na cert. of cancellation o wala dahil kung wala ipapamedia namin kayo dahil sa pangbblop ninyo at sa speedy transaction na ginagawa niyo..kailangan lang na hindi kayo magpapatalo sa kanila dapat sila ang masindak di tayo ang pasindak .. thanks kay dadi kasi nung araw na din iyon nakuha namin ung cert. of cancellation… guys wag po kayo mawaln ng hope macacancel pu yan basta ipaglaban niyo lang po… .
PAG PUMUNTA KAYO DUN IPAPHOTOCOPY NIYO PO LAHAT NG DOCUMENTS PARA MAY COPY KAYO AT GUMAWA PO KAYO NG LETTER OF CANCELLATION… Ipareciv sa kanila… tas kailangan redy kayo kung anu ung mga iaask nila sa inyo kung bakit gusto niyo ipacancel….
MAY PAHABOL PALA AKO…
MAY mag GF BF KAMI natulungan kahapon .. kadarating lang nila sa ofice ng Prudential para dun… naawa kami ng officem8 ko kaya sinenyasan namin na wag na ninyong ituloy umalis na kayo dahil maloloko lang kayo… ayun… nagets nila ung mga senyas namin at dali dali silang nag walk out…
@trsiha nicole
Ok lang yung sa inyo kasi one day palang. Di tulad nmin ni katt na one year na kami sa PPLC at ang sabi nga cash value langdaw ang makukuha namin thats unfair.. kasi malaki na nahulog namin dun tapos wala pa sa kalahati yung makukuha namin…may idea kaba kung ano ang dapat namin gawin ni katt?
@katt
wala pa ako idea kung nao ba dapat natin gawin.ayaw ko din namn pumayag na cash value lang makuha natin…wala namn ako kakilalang lawyer na pwpede magguide sa atin..
MERON BA SA INYO MAY KAKILALA NA PWEDE TUMULONG SA AMIN PARA MABAWI YUNG ISANG TAON NA NAHULOG NAMIN SA PPLC KASAMAN NA YUNG INITIAL. PLEASE HELP NYO NAMN KAMI NI KATT
@marie and katt: nasa same predicament lang tayo ganyan din ang nangyari sa akin. Pumunta ako sa kanila because I wanted to cancel my policy na 8 months na. Ang sabi nila sakin hindi daw marerefund ang full amount. Kaya naisip ko ituloy nalang kasi sayang din naman kung pinacancel ko tapos di ko makukuha lahat ng binayad ko at least kapag tinapos ko makukuha ko lahat ng binayad ko. anyway may maiiwan sa pamilya ko kung may biglaang nangyari sakin. Fault ko din naman eh tulad ng sabi ni honest hindi ko din kasi binasa ng buong buo. It is a lesson I learned the hardway but I just have to live with it. Atleast ngayon alam ko na that I should always make sure of the specifics before getting any product. Share ko lang sa inyo yung mga insights ko.
@marie. sad to say, the fact is may pinirmahan ka na na-confirm mo na magbabayad u monthly sa policy nila, at if hindi mo tatapusin, just say, itigil mo na after 1 year, ung corresponding cash value mo lng ang mkukuha mo. i dont know lng if kukuha ka ng abogado eh, baka ganun din ung sasabihin sau, consequently bka lalo kpa mapagastos if kukuha ka ng abogado. ung case nyo ni katt are just simple lng nman, in which, kung maglalaban kau eh, let’s say, tagilid.. well we cant deny na malaki na company ang PPLIC at parang bumabangga lng tau sa pader ika nga.. pls READ mo ung CONFIRMATION na pinirmahan mo, d ba nag undersigned ka jan, marami ang nkasulat jan tpos may mga pirma din ng mga customer rlation officer, ng sales agent, at ikaw. well sa court eh basta nag pirma ka, matibay na ibedinsya na fully aware u sa pinirmahan mo,. maaari nung sa 45-min/hours talk ninyo last tym eh na DECEIVE nga kau, or parang nauto kau ng mag sales agent nila ng mga FALSE STATEMENTS.. again, iba tlaga if nbasa ung papel as proof. if wla pa kau sana ng 15 days, well sasamahan ko tlaga kau kc naksaad doon na within 15 days if ayaw mo na sa policy nila, guarenteed na ibabalik ung full amount.. yan pwede natin ilaban at mag file charges sa kanila if ayaw nilang ibigay ung full refund.. try mo ung suggestion ni joan na icontinue mo if like mo pa ang PPLIC, its your decision nman. however, if itigil mo, yun nga lng hindi na tlaga marerefund ung full amount, ung corresponding value na. i am not saying this para pag hinaan ko kau ng loob, i say this para maclarify din sa inyo khit konti. well if u think na may pag-asa pa, go ahead, kuha kau ng abogado at ipaglaban if let say, hundrer thousands tlga ung nawala sa inyo, kc d q rin alam if magkano ung pera na sana marefund nyo.. hope it helps.. keep moving guys… Godbless
@ MARIE
Grabe 1 yr na kayo naghulog sa PPLIC.. ung samin kasi 1 day after the contract ng policy at saka may kasama kami na lawyer kaya nakuha namin agad ung policy namin kaya hindi umubra ung mga paikot na sinasabi ng mga employee ng PPLIC… much better pag nagpunta kayo at nakipag usap kayo magsma kayo ng LAwyer or nakakaalam kung panu sila masindak at hindi umubra ung mga paliwanag ng PPLIC na yan.. dapat talaga sa kanila idulog sa IMBESTIGADOR o sa NPCC ung sa mga commutters kasi sabi nga ng dadi ko hindi lang pala dapat protektahan ang mga commuters sa public place kundi pai sa mga mall eh may mga ganyan na dapat protected din tayo mga commutters.. pati sa mall lumalaganap ung ganyan dirty marketing strategy na kahit sinong tao puede nilang maloko… oo legal nga kung sa legal ung insurance na yan pero ung the way ng pagbebenta nila hindi makatarungan.. totoo na parang nahypnotize kami ng officem8 ko dahil sa naging sunod sunudan kami sa bawat sinasabi nila… kaya guys… kung ayaw nilang ibigay ung cert. of cancellation o refund.. much better na mag ask kayo ng help dun sa taong may alam kung panu gawin yan…
SANA NAMAN PO SA MGA SALES AGENT NG PPLIC maawa pu kayo sa mga taong hindi naman talaga alam ung nagiging transaction na un kasi hindi niyo naman po alam kung ung tao ba un is capable sa pagbabayad.. .makonsensya naman kayo hndi ung makakuha lang kayo para lang magkaroon ng commission… Remember guys.. KARMA has its own vengeance…
Philippine Prudential Life Dirty Marketing Strategy | Pinoy Ambisyoso - June 7, 2010
[...] Philippine Prudential Life is not in any way connected to Prudential Life as the name implies. The will ask your your credit card info and will use it in their transactions in case you agreed to avail their service. [...]
@ Honest, I need help! I was victimized by this scam last saturday (6/5) at SM North Annex. I want to cancel the plan kasi nga parang sobrang tagal nang 15years na paghihintay. And besides, I don’t like the way they sell their savings plan bigla na lang ni-swipe ung card ko sabi ichecheck lang daw kung ihohonor ako ng bank. I want an insurance plan pero not that time and not sure if it’ll with them, parang na-hypnotize ako that time sa kaka-shakehands nila. Please email me @ jemcutie_03@yahoo.com. Thanks!
sa lahat po ng naloko ng PHILIPPINE PRUDENTIAL LIFE INSURANCE COMPANY INC. dont worry po kc u have the right na ipa cancel po ang policy n inyong napirmahan. the best u can do ay pumunta po kau ng personal sa office nila, i ready nyo po lahat ng orig documents na galing sa knila, nid din po na ipa photo copy nyo po, para my copy po kaung sarili..last june 4, lng po kmi ng naloko ng insurance n yan, pero june 5 sumugod din po kmi agad, accompanied by my officemate’s father. suggestion ko po sa lahat ng victims na magpasma po kau sa isang tao na alam nyo pong ndi kayang sindakin ng staff nila, kc po based sa experience nmin ng officemate ko, kung kmi lng nagpunta dun baka ndi namin kayanin, kc interrogate k p nila, kung anu anu sasabihin..pero po dapat wag nyo nlng pakinggan kung anu man po sasabihin nila. bazta panindigan nyo po na ika cancel nyo na, dapat po my dala n kaung letter of cancellation (gayahin nyo nlng po ung mga sample letter) kc un din po ung ginamit namin, pag tinanong po kau kung anu reason, sabihin nyo po, ur not capable to pay the amount charged in you, ska po speed transactions po ang nangyari..wag pu kaung aalis na ndi nyo dala ang cert. of cancellation at ang ang SOA n my nakalagay na CANCELLED UPON INCEPTION.. sobrang dami pong naloko nila, buti po at naging successful ang pagpapa cancel nmin, and on the other hand, my natulungan po kming mag gf/bf..ayaw po namin clang malinlang kya po sinenyasan po namin cla, buti nlng po at na gets agad nung girl..sa lahat nman po na ndi pa napapacancel ang transaction, pumunta po agad kau dun,..
sana po maging successful din po ang maging lakad nyo gaya po ng naging lakad namin ng officemate nya..thank you very much to my officemate’s father who helped us cancel that policy, 8k po at 17k din po ang nabawi namin..
thanks GOD…
@529.. if u hv tym, basahin mo ang blog na to from the top.. u can find similar cases sa iyo.. dont wori mcacancel mo yan. read what i posted last may 19 if bka mkatulong.. bsta kip on reading this blog, marami ang mga suggestions d2.. bsta magpasama ka ng nkakaalam if mdyo nasisindak ka sa kanila. bsta bear in mind na CANCEL CANCEL CANCEL.. be aware din na magsasabi cla na “downgrade”.. wag mo na i-entertain un. bsta sbihin mo pumunta ka dun para mag pacancel.. period.. iikot ikutin ka kc nla.. be strong kaya mo yan… kip on praying.. Godbless every1..
@Honest,Already read your post dated May-19, so to this date nacancel na ung ‘policy’ mo? congrats
I’m thinking sino naman kaya isasama ko dun,. I have work 9 hours/day, haayy.. super hasstle naman ng plan na ito,..Thanks!
well isama mo yung tao na concern sau at medyo palaban, let say dadi/kapatid/kaibigan.. or if ikaw lng mag-isa, pwede rin, medyo astig lng yung dating mo na para bang hindi ka na nila mauuto pa. pagpumunta ka doon, bear in mind na CANCEL tlaga ang pakay mo… kaya mo rin yan.. ryt after na pumunta ka doon, bibigyan ka ng statement na nacancel na ung acct mo at u gonna w8 for 30-45 working days para mkuha ung full refund mo.. read mo ung ibang post d2 at follow lng.. ok.. Godbless..
hi! im back! hehe! @ 529 pls read this. i have my comment here last june 2, 2010 at exactly 3:16pm. andun ung mga comment ko kung sakaling wala kang maisama. much better kung may makakasama ka, pero ako kc nung nagpacancel ako eh talagang ako lang. basta dont forget to pray para lumakas loob mo kung sakaling ikw lang mag-isa at napanghihinaan ka na ng loob. basahin mo na lang post ko nung june 2.
kakakuha ko lang ng chargeback ko mga 11 days after ko magpacancel. 11 days kasama saturday and sunday. kc follow-up ako every other day. basta dont worry 529, makukuha mo rin yan. lakas lang talaga ng loob kelangan mo para magawa mo yan. marami na rin kc kaming nakabawi sa perang nakuha sa amin. kaya mababawi mo rin ung sayo.
hi…ived just cancelled my plan…they’ve told me to wait 30-45 days before depositing my money back to my account…. totoo ba to?….katulad nyu, di rin ako makatulog at makakain….
minasan, kagagaling ko lang sa pplic(claiming & releasing) office 2nd flr Keppel building today to claim a 2-yr scholarship in datamex. same as usual, they also offered me all-in-one package insurance promo. life/health/pension/acci./ etc..buti na lang na deny yung application kasi daw di inapprove ng cc bank ko. maybe bec. less than 1k nlng ang available balance ng aking cc hehehe..phew! pagbalik ko sa ofis i immediately googled their company and poof! i found this. Thanks god di ako na ILAD! ^_^
sa thursday babalik me sa knila para mkipag conference ksama un agent na nanloko saken…bwisit talga….hayssss…..220 ba na pag lagpas 15 days na eh d na mababalik un binayad mo plssss reply….wat po ba pd ko pakita na article sa batas para naman masindak cla at ibalik un binayad ko
plssss help me naman po….pati po un email add na binigay nio rito wala pa pong ngrespond
@ Maria – I’ll be going back to SM North Annex on thursday, would you like to come with me? ay teka, saang branch ka ba? Tumawag na rin ako sa cc company ko kanina, mag-fax lng daw ako ng dispute letter and cancellation letter from the Prudential life para macancel ung pagbawas sa account ko. Email me @ jemcutie_03@yahoo.com
elow guys… gud news po nbalik n po ngaung araw lng ung 16800 ko sa account ko sa atm..my xpectation is on the lastwik of this month pa..thanks God bcoz its only 2wiks.. gudluck po sa lhat ng magpapacancel p lng..tyaga lng po makukuha nyo rin^_^…cyanga po pla pnaclose account ko na ung bank ko then nag open na ko ulit ng bago ntatakot kc ako bka makuha ulit nila hehehe…
@ 529: cge punta ka. sana mapacancel mo yang iyo. pero much better cguro kung friday. kc ako friday pumunta. di ganun katagal ung pakikipag-usap sakin kc unang una madaming tao dun na inaasikaso nila. pero di ka naman nila babalewalain. yun nga lang talagang madami pang kakausap sayo bukod sa agent na nag-alok sayo. ung mga supervisor pa nila na mas matigas ang kakausap sayo. basta makipagtigasan ka rin! kaya mo yan! go girl! (kita ko account mo sa FB eh. kaya go girl ang nasabi ko! haha!) basta mag pray ka. kaya mo yan. balitaan mo kami dito pag cancel na iyo. Godd luck! God Bless you!
Hello po, Kakakuha ko lang ng plan na ito kanina, gusto ko lang sana i check yung company na yun pero nadala ako dito. Parang hindi naman ganyan yun experience ko. Super peersuasive nga nila magbenta at para kang minamadali pero hindi naman nila ako naloko. Bago naman nila hiniram yung cc ko tinanong muna nila ako kung ok na ako na kuhain yung policy na yun. Depende din cguro talaga sa mga sales agents na lumalapit satin, babaeng mabait yung lumapit sakin e. well since minalas na din kayo tandaan niyo nalang itong experience na ito. Na nasa atin parin kung may gusto tayo bilhin. at dapat tayo maging mas mabusisi bago bumili wag maging impulsive.
yoshi: gud 4 u kng ngustuhan mo…ok naman talga un policy kaya lang ang problema kc hindi gnyan ung gnawwwa saken…ang sabi lang sakin is titingnan lang kng ma aprove…
529: babalik din me sa sm north din ako at thursday din un plans namin cgro mga hapon un…kc mgcconference pa raw parang ivverify kng talgang ganun un gnawa saken nun agent..peo mejo kabado ako ciempre bka baliktarin ako at d naman aminin…pano un pera ko db….bka pagtulungan lang ako…may bago ata dun na head nila.,..ang name is maricel dela cruz…ewan ko kng fair cia o bka katulad din nla….
sana maging successful ang lakad natin sa thursday….
Hi,i have the same scenario with katt but mine is 7mos. pa lng.Iba-iba po ba ung mga policy na nkuha nten?
@gie- endownment po ba ung policy mo kc nabasa ko na almost 2mos po ung sau nung ipacancel mo at na-refund mo db? please reply..
thanks…
@all
totoo ba na wala na si Ms Ginny Sta Maria? kase sa mga nabasa ko dito… parang lahat ng nagpa-cancel kay Ms Ginny.. madali nyang inaprubahan. Kaya ba sya nawala na sa PPLIC?
@maui
May nakausap ka na po ba sa PPLIC? sabi din nila wala kang mare-refund kung wala pang 1 year?
@yoshimitso.. gudluck sau.. sana tama ang disisyon mo.. ganyan din ako nung una.. pero upon realizing eh.. nagbago isip q.. i dont know f sau.. baka after a couple of days magbabago isip mo at magpopost ka rin d2 na magpacancel nlng din.. but it’s your decision nman. gudbluck!
sige…ito yun website ng imbestigador…www.gmaimbestigador.com
@katt- wala pa po akong nakakausap sa PPLIC, gusto ko muna magtanong -tanong d2..aun..kc ung isang nbasa kong comment, 2mos n ung policy nya ska xa nagpacancel at narefund nya ung nabayad nya. ndi pa nga xa nagrereply sa comment ko, ung gie ang name. sna nga magcomment uli xa eh,kc kung same lng ung policy nya at policy nen edi my chance pa siguro.. what na po plano mo? ano ng status nung sau? pede mkuha email ad mo? tnx.
@katt- nkuha ko na pla email ad mo, inadd po kita sa YM confirm mu n lng po.. sna makapag-chat tau,7PM-10PM ako nka-online sa yahoo..nkablocked kc sa office ang YM and mail eh..tell me ur decision bout sa policy mo ah,,tnx..
bakit ganun lahat ng inemail ko eh wwala ngreply..c gyny c ms carla at ung sa insurance comision bat ganun….HELP ME>>>>>>>>>>>>>>>>
Hi to everyone! Since the event that happened to me regarding with PPLIC, I keep on posting Arpee’s blog and it really makes me depressed na marami pa ring complaints with regards to PPLIC… Before, I posted last May 19 and I stated their that PPLIC is not scam (that was just my personal belief). Ngayon, parang babawiin ko yung sinabi ko because of the following reasons. I got a chance to visit my former class mate in high school and he has a brother which is a lawyer. I talked to him all about PPLIC, yung strategy nila, and most especially yung RAFFLE nila, etc. Now, I am questioning their method. BAKIT SILA GUMAGAMIT NG RAFFLE NA WALA NAMANG DTI PERMIT???. I told him that, others eh nakatanggap pa ng msg like this:
>>>Good morning.. This is Mr Louie Aguilar frm PHILIPPINE PRUDENTIAL Ur “3 EXCLUSIVE REWARD AND PRIVILEGES” are READY to CLAIM and still hear in Our Office. You need to CLAIM & ACTIVATE this w/in 48hours, Because our Management will Finalize All the Records of our Clients/Recipient who doesn’t Claim their rewards. Pls. call our Hotline w/in 48hours frm 9AM to 5PM for further information. MAKATI OFFICE: Hotline nos.: 02-7551532 look for Mr. Louie Aguilar. Thank you. (DISREGARD IF CLAIMED)
sender: +639071593618<<<.
Basahin nyo ulit ang msg. Buti yung iba sa atin hindi nkatanggap nito. However, yung iba eh masisira ang ulo saan na kinuha ng PPLIC ang cp number mo. Sabi sa akin ng lawyer, this is a starting point of a SCAM. Na pinapaniwala ka na nanalo ka eh pag pumunta ka pala doon may eh orientation pala. Take note yung sinabi sa msg: READY TO CLAIM daw eh bakit may 45 mins or more hours pa? at the end of the story eh INSURANCE pala ang ipapakita sayo.
Secondly, WALANG DTI PERMIT NUMBER yong raffle ticket, this means hindi under sa DTI at pwedeng DAYAIN ang raffle. Promo date daw is DEC 2, 2009 – March 11, 2011. Malaki ang PPLIC na ito at NATIONWIDE pa bakit WALANG DTI PERMIT? Lahat ng game ng mga company, either sa tv show, radio, print etc. dpat under supervision ng DTI at dapat nakaimprint yan sa mga raffle ticket. Ito yung ultimate concern ko ngayon sa PPLIC. Yung marketng strategy ninyo na humikayat ng clients para makapanalo ng HONDA CAR at $10,000 is a BIG RAISE OF MY EYEBROW. If ever ha, IF EVER, dumating ang time sa RAFFLE DATE which is APRIL 9, 2011 (grabe sobrang tagal ng raffle ninyo!), tapos eh wala naman kayong ipopost na winner either sa official website ninyo, HUMANDA KAYO PPLIC!!! Hindi naman sa nagmamayabang ako pero I also have a trusted friend na isa sa mga official lawyer sa isang government agency whom nakabase sa Malacanang. I know PPLIC na malaki yung company ninyo however sa batas eh walang malaki o maliit, walang mayaman o mahirap. Dapat bantanyan ang PPLIC na ito at humanda kayo PPLIC at sa RAFFLE ninyo na maaaring isang napakalaking SCAM if mapatunayan.
nabasa ko mga comments niyo dito.i had the same experience last June 6, 2010.June 8 pinacancel ko na din agad yung policy.ok naman pumayag naman sila.im planning na magfile ng complaint sa insurance commission through DTI. May nakausap na ko from Bureau of Trade Regulation and Consumer Protection regarding this matter at madami na nga daw silang natatanggap na reklamo about Philippine Prudential Life. May nakausap na din ako from Insurance Commission at inaantay lang nilang mafile ko yung letter of complaint. kung pupwede sana give me your email address or contact no. para makapagtulungan tayo at maraise yung iba niyo pang issues. Ang advice kasi sa akin kung makikita nila na talagang madami ng complanits may action agad sila.so if you are interested pwede tayong magtulungan.thanx
@ rizza: for sure marami pa ring complaints na darating dito. i’ll just keep in touch sa blog na to. makikipagtulungan din ako.
@maui – yap.. Endowment Insurance ung na avail ko last Septemeber 5, 2009. P16,800. December 14 ng email ako sa Insurance Commission asking for their assistance to cancel my Policy.. December 15 tinawagan ako ni Miss Ginny regarding this cancellation.. December 16 I received email from Miss Ginny informing me na cancel na Policy ko and further grant me FULL REFUND..Within 30 days refund.. January 27 – na charge back na ung FULL REFUND KO SA CREDIT CARD..
Why? Kelan ka nkpg avail ng Insurance?
@ gie
hindi kapa ba nacharge ng monthly premium?kasi more than 3 months na yung policy mo diba? kasi sa amin nila katt 1 year na yung sa amin di pa namin alm kung marefund pa ng full.
@maui
balitaan u me kung nao ang plano mo ha…pareho kasi kami ni katt na 1 year na policy namin eh..gusto ko sundin ung advice ni rizza na humingi ng tulong sa insurance commision.anu sa tingin mo? taga saan kaba at saang branch kaba nakakuha ng policy?
@ marie – meron me monthly premium.. P1,610. Bale ang total refund ko is P21,630.00 (September Initial Premium P16,800.00 + October P1,610.00 + November P1,610.00 + December P1,610.00 so total of P21,630.00) And after ma-post ung refund ko sa CC tsaka ko inayos ung bank charges sa Bank ko (BDO kasi CC ko).. So n charge back nmn lahat..
@ marie – i’m not sure kung ma refund niyo ng FULL kc one year na insurance nu.. Mgpatulong na lang kau sa Insurance Commission.. Goodluck po sa inyo.. Sana maayos na rin agad yan..
@gie- nung nov. 7 ako nag-avail.. sabi kc ndi na daw marerefund ung initial payment kaya napilitan akong magbayad ng monthly kc sayang nman un db.. now ko lng nalaman na pede pla un ipacancel at marefund pa.. pede pa kaya un sken? 7mos na ngaung june ung monthly ko.. help mu nman ako,wala kc akong idea sa letter na gagawin. send mu nman po ung letter na ginamit mo,,pls,,eto email add ako, maui_cute29@yahoo.com..
@marie- d2 ko sa manila stay ngaun, sa megamall ako nkakuha ng policy..tingin ko dapat nga magpatulong tau sa IC..
@gie – add mu din po pla ako sa YM pra malaman ko kung nka-OL ka po.. tnx..
@marie – kaw po,san ka stay? and nkakuha ng policy?
529::::::tumuloi kb kanina???(june 10)…kc kami tumuloi ng bf ko at ayun ngusap usap kami wid d branch manager and ms maricel dela cruz ksama un bwisit na agent..buti na lang nasoplak ng husto ang walangyang agent na un…d cia nkapalag kanina…kya aun nakamit ko rin ang hustisya…..kaya kw kaya mu yan wala ka pang 15 days db…bumalik balik ka at magmatigas
……sa lahat ng mgpapacancel..go lang kau lalo na un wwala pang 15 days…wwag maniniwala na hindi pd i cancel un at i refund…bsta pd nio pa icancel bsta d pa lagpas 15 days…kaya mgmatigas kau at awwwayin nio sila dun sa policy na nkalagay ang 15 days free look..wag ulit paloloko..para d matulad saken….
GIE::::::pareho kc tau ng bank…bdo dn me…pano ba gagawin ko kc dmating na soa ko at due na un 23k ko sa july 2…pag d ko binayaran un mgtutubo un db???pano gnwa mu..help naman…tnx
sa lahat ng ng post d222 salamat ang laking tulong nio
sa mga mgpapacancel gudluck and pray lang talga….lakasan ang loob dahil mkakapal talga mukha nila na iismiran ka pa dun sa loob
Yes ngpnta ako knina sayang ndi tau ngkita pero ndi ko na rin pina-cancel ung policy ko. Nagtanong na lang ako ng ngtanong
then I realized okay naman, parang pwersahang pag-iipon nga lang plus insured ka. Learning experience na lang din cguro ito sa lahat ng feeling naloko or naagrabyado na wag agad u-OO kung hindi cgurado. Pero ako panindigan ko na lang – tiwala at dasal na lang na sana magtagal pa ang company nila para buhay pa rin pera ko.
gudluck 529.. it seems na convince ka talaga.. well. its your decision.. after 5-7years to pay, u nid another 10years waiting 2 get ur endowment.. sayng maramin ibang insurance na mas mainam pa kesa sa pplic.. but its okay 529.. u hv d power to choose.. gudluck! sana hindi sasakit ang ulo mo sa monthly payment. hehe. Godbless..
hello po, kakakuha ko lang ng policy na ito kanina. Pero parang iba naman experience ko sa inyo pakiramdam ko hindi naman ako naloko. Yes kakaiba sila mag benta sobrang ma pressure pero nakinig ako talaga sa sinabu nung gurl at napapayag ako dahil naisip ko isang paraan ito para mapilitan ako mag save haha. Tuwing may nakikita kasi akong pera nauubos ko eh at least pag ganito mapipilitan akong mag save para hindi masayang tapos may insurance pa ako haha. Sa palagay ko kanya kanyang mga dahilan lang ito kung bakit natin ayaw o gusto yung binenta satin haha. Gud luck nlng po sa mga nagpacancel at hindi magpapacancel tulad namin ni 529. God bless all.
isa rin aq sa nbiktima sa SM north edsa ANNEX..as in ngeon lng araw na toh!!
panoh ba marefund ung pera at panoh magcancel..
kse di q tlga alam ala q sa ulirat kse pinainom nila q ng tubig..
77,679 nkuha sa credit card q..
what will i do?? pls help me..
i dont know prang nahipnotized ata aq..
pls help me..its really big money..what will i do!!
@cecille – go ka na agad don maya.. mag ready ka ng cancellation letter.. dalhin u lahat ng Docs(insurance Policy). Be sure na may photocopy ka.. (advice ko – itaon mo na marami tao. Kc agad i cacancel yan aalokin ka i downgrade pero dapat stick ka sa decision u to CANCEL>>> Goodluck
@ maui – that’s not true na hindi na marerefund initial premium mo..Sinasabi lang nila yon.. punta ka na lang sa office nila kung saan u n-avail ung policy.. magdala ka ng cancellation letter, original copy ng Insurance Policy mo (be sure na may photocopy ka lahat). And then makipag-usap ka don tell mo na ipapacancel mo na.. Pag sinabi hindi na marerefund tell them na magrereklamo ka sa Insurance Commision..
@marie – pwede kau magsabay ni maui. Same branch ban g PPLIC kau nkapag avail… Gawin u rin ung sinabi k okay maui..
Ung officemate ko kasabay ko nkakuha ng Policy (September 5 2009
@ cecille: nanlaki mata ko sa binayad mo. 70k! that’s huge! grabe un. please read ung mga older post dito para may idea ka sa pag cancel. makakatulong kami.
@maui
magkita nalang tayo sa megamall sabay tayo pumunta dun as soon as possible sana dun din kasi me nakakuha eh…mas maigi na cguro na agahan natin para maayos natin lahat tapos pag ayaw nila pumayag dumiretso na tayo sa insurance commision.
guys kung talagang gusto niyo na mabigyan ng pansin lahat ng mga complaints ninyo magtulungan tau.taga Department of Trade and Industry ako at pwede tayong matulungan na lumapit sa Insurance Commission.mas mapapabilis din kasi ang proseso kung magpapendorse tayo sa DTI.Sabi ng nakausap ko sa Insurance Commission renewal daw ng license ngayon sa maaari nilang ireview muna yung case ng Philippine Prudential. If you are interested magtulungan tau.mas magiging effective kasi yun kung makikita nila na marami ang complaints regarding this company.
cecile: sobrang laki ng binayad mo.ako nga P17k lang kinabahan na agad ako.tinawagan ko na apti bangko at lahat ng pdeng tawagan.pacancel mo n agad yan.sabihin mo yung 15 days na free look period nila.its your right na ipacancel yun kung ayaw mo na tlaga.pde ko malaman ang email add mo para makapagusap tau?
@gie- tnx po. nagsend ka po ba ng letter sa email ko? ndi na po ba ko mag-eemail dun sa mga inimail mo? basta deretso na ko sa office nila? sana mapacancel at marefund ko pa ung nabayad ko..
@marie- pano tau magkikita? pede ako sa monday. kaw po? hmm, email mo po ako send mu number mo para text-text tau. eto email add ko, maui_cute29@yahoo.com
@rizza
paano tayo magkita kita? cge gusto ko rin sumama sa inyo.at magreklamo sa DTI o sa Insurance Commision
@ maui
cge iemail ko syo yung number ko…kanina ngemail na me sa iyo
hello po kakakuha ko lang ng policy kanina, tinignan ko lang sa internet kung ano kaya itung kinuha ko na policy. tapos napadaan ako d2. Scammer ba talaga i2ng mga ito. as in scam na niloko na nila ako sa pera ko at basura na itong mga dokumento na binigay nila sakin? Ano po ba ang katotohanan? please help me get a pease of mind.
Well this is really a scam for me, kasi ganito yan, liligawan ka nila just for freebies. tapos ang aakalain mo tlga ay ung freebie lang at mglalaro ka lang tapos may orientation silla na sinasabi na 45min, well it took me 3 hours para lang mkuha ung freebie ko, tumbler pa nga eh. Well kung mkikita mo dun pwede ka naman mgrefund eh, look at item no 11 on your contract. nkasaad dun na pag di ka satisfied ay ibalik mo lang within 15days. Well I luckily end up on acquiring my own money, kapag kaw ay mgrereklamo piilitin at pipilitin ka nila na mghulog ka pa din at your own convenience minsan nga 465 a month daw for 5 years para lang aq makahulog, Well I noticed that this is fake, you have to wait for 12 up years para lang mkita mo na tumubo ang pera mo. buti pa sa bangko o kaya sa negosyo pwede mo pa mapaikot ung pera, this is totally insane, sa mga mgpapastop dyan it is a very right decision. wag na wag kayong papayag na mkuha nila ang pera nyo, bibigay din ang mga yan basata sabihin nyo lang hindi ko gusto ung product nyo kc nung nabasa ko ung mga policy nyo ay di maganda, pag namilit, sabihin nyo I am still under number 11 of the contract, kya disatisfied ako so I can claim my money without hesitations. Manonotice noy din pag kayo na ang mgrereklamo kung sino sino pa ang manliligaw sayo, after that nkasimangot sila o di kaya mrerealize mo ung mga pambobola nila, spread the word, yan ang akala ng marmi sa mga mayayaman na, akala nila npakalinis masahol pa ang mga yan sa ngshashabu, tsk tsk. Ulitin ko lang steps ah, fill up kayo ng slip ung para sa pagvisit lagay nyo reason ay cancellation, tatanong nila ang dahilan, sabihin nyo lang ung mabanggit ko knina, at remember wag na kayong papayag sa khit anong alok, dont worry mababalik un sa inyo mgmatigas lang kayo. tapos pagagawan kayo ng sulat sa harap nila na pinacancel na, icoconfirm un, remember this kelangn nyo maiuwi ung statement of account na ngsasabi na cancelled na, antay na lang kayo ng 30 to 45 days para mapabalik, d mo basta basta masusumbong ang gnyan, kc ang mga yan mayayaman at kilalang tao, bakit sa imbestigador ba at sa xxx may nhuhuling mga sobrang yaman? mga druglord? nangangahulugan na protektado ang mga yan. at kung yan ba matetelevise eh di san eh noon pa, sa blog lang pwede gumawa ng propaganda eh. the lease you can get is to spread the word
@bricks- hi,pano kung 7mos na?you think marerefund pa un?parang ndi ko nabasa ung sinasabi mu na 15days sa contract.
GIE———pano gnwa mo sa CC bank mo para hindi ka ma charge un sau…kc kkakuha ko lang nun cancellation ko..mag due na un payment ko sa july 2 bka maya mgbayad pa ko ng penalty..pano ggwwwwin ko..help naman pareho kc tau BDO wwweh
@maui: sa pagkakaalam ko meron nga yung sinabi ni bricks. nakalagay dun na may 15 days ka to return the policy and you will get your money. Sa tingin ko pag 7 months na hindi mababalik yung whole thing kasi kaya ka nga nila binigyan ng 15 days eh. Kaya nila yun nilagay sa contract para pwede mo pa ibalik yung policy nila kung di ka satisfied eh since 7 mos ka na sa tingin ko hindi na nila ibabalik lahat kasi lumampas ka na dun sa 15 days nila na binigay eh.
@rory – wala ung 15 days sa contract namin, sa bagong contract lng pla un.. unfair nga eh,kc kung meron nun khit 1 hour pa lng papacancel ko na un kc yaw ko nman talaga..napilitan lng ako kc nanghinayang ako sa initial payment ko,sabi kc non-refundable daw un sabi nung manager ng agent na kumausap sken..hayz..
@all – nagpunta kmi knina sa megamall branch,dissapointment lng an inabot nmen..sabi nila kahit singko daw wala akong marerefund since 7mos daw ung sken..at kung 1yr na,ung cash value lng daw ang mkukuha..unfair nman un,parang naholdup ka lng pag gnun ang nangyari,,db?ano na ang gagawin nmin ngaun?
i was able to get policy in PPLIC last week lang din po..SCAM po ba talaga xa? kasi kung scam xa bakit xa nasa mall..dapat wala xa sa mall if scam xa diba?nakakatakot naman tuloy. im having second thought na tuloy if im going to continue or not. mabait naman ung agant na nag attend sakin and she was able to explain naman sakin.. ung pagdebit, pagpirma etc. meron po bang nakaranay the same with mine?ung ok naman ung naging experience sa sales agent nila..?
@honest. sa tingin mo ba talaga indi xa maganda? ang sabi kasi sakin nung agent its a saving with protection..kaya siguro with saving kasi may makukuha tau after natin magbayad..ang alam ko ha, correct me if im wrong, diba yung ibang insurance nagbabayad ka lang but wala ibabalik sau after ng term ng insurance mo? like sa laptop ko. nagbayad ako ako ng additional for the insurance in the certain period lang (2 years) na if ever may mangyari sa laptop pwede xa palitan. then if ever na consume ko na ung 2 years and wala nangyari sa laptop diba indi naman nila ibabalik ung binayad ko sa insurance?
tedd: hindi naman sa scam kaya lang halos lahat kc ng case d2 puro niloko ng agent nila…like ung sken bsta na lang ngswipe sa card ko…ni hindi me tinanong f gsto ko sumali or mg avail…nsau naman un kng gsto mu siya talga.. gsto ko lang i korek un cnsabi na savings cia…kng talgang savings cia bakit pag gusto mo na mgstop eh wala ka marerefund sa nahulog mo pera..need mo pa mgwait ng 1 yir para lang makakuha ka ng refund wwwhich is 6k plus lang…eh 12 mos ka nghulog ng 1600k plus the initial premium na almost 19k…panu naging savings un kng ganun db…kaya aun…nasau naman un..d ka namin pipilitin naman…kami kc d2 desido talga mg cancel..kaya tong site na to malaki talgang tulong samin….
@sw33t_maria- ano na pong status ng policy nyo?ilang mos na po ba ung sau? nkapagrefund ka po ba?
Pano kung through Debit Card nila kinuha yung bayad, maibabalik pa kaya?
@maria – U mean grant na cancellation mo? And wait mo na lang refund? If ganon nga, pwed ka muna mgbayad khit minimum payment muna.. Wait until m-charge back ung pera mo.. Tsaka ka mgsend ng letter sa BDO to charge back din ung mga Finance charges…
pinakamaganda cgro para masagot yung mga tanong nyo eh ask for help sa mga taong may enough knowledge tungkol sa mga insurance para magwan niyo na din ng action agad yang mga problema niyo.:)
haizzt, this site was a great help to me, kc nun nbasa ko ito, instead na magpatagal pa eh kinabukasan din after i signed up (june 12) eh nagpa-cancel na agad ako ng policy ko sa PPLIC. sobrang insistent nila up to the last minute na nagca-cancel ka na, kesyo gusto pa irestructure un plan ko.. & shempre, un mga allegations na cnabi ko sa cancellation letter ko eh lahat may ready cla na sagot, like nde cla ang dating family first, instead, cla lng daw ang nagtutuloy ng mga plan holders ng family first (so magkaiba pala yun sa lagay na yun, bleh!), ireprimand daw nila un promo agent if nagpanggap sha na tga SM, tas meron pa cla iba story abt why wala cla sec registration eh dba dpat lahat ng legit companies merong sec registration. kaya in the end, i end up citing na lng the primary reason kung baket im cancelling my policy contract, which is ayaw kc ng husband ko nun insurance na ino-offer ng PPLIC, kc in the first place dpat nman hiningian ako muna ng approval/permission ng spouse for the validity ng contract.
bsta, naiinis lang ako kc i didnt see this one coming, iwas na iwas pa nman ako sa mga sales agents ng insurance sa mall, un mga nagtatanong if may credit card ka… eh eto iba ang ploy nun promo girl, nsa starmall ako buying lipstick sa revlon kiosk, tas un sales agent eh lapit sa ken after my purchase, sabi bigyan daw nya ako ng gift item, fill-up lng daw ako nun pamphlet nila for inventory tas sali na rin daw ako sa game nikla kc may car raffle daw cla sa sm, she even showed me her sm id (it did not dawn on me na may sm id nga pala lhat ng tenants ng sm), tas sinilip din nya if may credit card ako kc requirement lng daw un pero nde nman daw nya hahawakan. when i told her na nagmamadali kc ako kc punta pa ako ng megamall, sabi nya samahan na rin daw nya ako kc dun din sha papunta & tamang-tama kc andun lang un ofc nila, i though na okay lng kc dun nman tlaga way ko… we went up to the 5F, nde ko na napuna na its the same ofc ng family first dati (later on ko na narealize un). tas wait ako sa lounge nila then pagpasok ayun na un presentation na 45mins but maigsi lng daw un bsta oo ka lng ng oo. puro kwento lng muna un sales agent about personal things, super haba, cguro 90% ng presentation nya is about my and her personal life. tas all of a sudden eh ipresent na nya yun plan na right for you (mine is regular endowment daw na 175k after 15 years) pero i have to debit 24,160 sa knila, nun una nga eh 50k pa ang gusto eh sabi ko nde ko kaya yun monthly premiums nun, kaya ibinaba nya (yaiks, i was actually haggling na pala that time) even if i told her na i have to consult my husband first. the next thing eh mamili daw ako between 250k & 175k endowment if alin ang kaya ko tas the next thing eh nsa pos machine na kme auto debiting 24k. hiwa-hiwalay un receipt nila comprising of the initial deposit, 1mo advance + additional insurance benefits chuva. tas ayun tuloy tuloy na, ambilis, tas pipilitin ka pa mag sign sa auto debit form for the monthly premiums khet paulit ulit ko sabihin na mag-over the counter na lng ako, SOP daw kc nila un kaya bawiin ko na lng daw before my next due date. khet sabihin ko na decided na ako na over the counter ang gusto ko, nde daw pede talaga kaya i ended up signing it. and nde daw pede na sa ibang araw pa ako mag sign kc i have to act now (i wonder why, bket magsasara na ba cla kinabukasan kaya nde na pede bukas? and the thing is, nagpa-pressure naman ako sa knila, arrrrrggghhh!)
on my way home, dun ko na nramdaman na mali un decision ko, pagdating ko ng bahay, lalo pa nagalit husband ko nun nlaman na nde ko man lang sha kinonsult. nde na ako nkakain from dinner til kinabukasan. kaya nun umaga i googled for PPLIC, eh ang una lumabas sa google eh about dun sa scam nila kaa lalo tumindi kaba ko. kaya right away eh nagpasama ako to cancel my policy on june 13. nireceive nman nila un request fro cancellation ko after all the delaying tactics & convincing prowess nila to convince me again.
i am now awaiting na maibalik nila ung 21k sa atm ko, tumawag nga ako ngaun sa head office nila requesting na cheque na lng ang issue sa akin but sa atm daw tlaga & 30-45 days ang processing. haizzzt, sobrang tagal eh within seconds nailipat ko ung pera sa knila tas un pagbalik nila eh more than a month pa eh nsa records nman nila na cancelled na un policy ko. i hope and pray na sana mabawi natin ng buo un pera natin lhat, hard earned kaya yun.
dpat malaman din ng SM na PPLIC is using their name to gain the trust and confidence of mall goers… such dirty tactics…
F..K S..T!!!!! Ngayon gabi lang din. anak nang!!!! 11k ang nakuha nila sakin. My God, ano ang gagawin ko??? My legal advices ba kayo dyan??
baka my mga things lng poh keo n hindi naintindihan…sakin kc naipaliwanag nila ng mabuti lhat like s pagbabawas s credit card ko..if ayoko magbayad 2mawag lng daw ako..pede daw mag lapse..gnun din b s inyo?
@Sean: I take that you must be one of their employees trying to appear as a normal customer and telling everyone that they did just fine? That’s ridiculous! Hindi mo ba nabasa lahat ng mga pambobola ng mga tao na to?!
@Jonha @ Happiness : your right! employee yang sean na yan! kaya kung ako sayo sean di mo kami madadaan sa style mo na yan. bigay mo account mo sa Facebook para matignan namin ang info mo. malamang nakalagay dun employee ka ng PPLIC. haha! tama ba?! wag mo na nga kami utuin sa mga ganyang style mo. kaskas na yan! hahaha!
walang comment kay sean. tama ako! haha!
I received a text from Louie Aguilar, 09071932866. Informing me of my 3 exclusive rewards from Philippine Prudential. I called their land line phone number 7551532 and I got the chance to talk to Ms Natalie De Guzman. She informed me of the requirements needed to claim for the reward. She ask if I have an ID and a credit card. The rewards are free life insurance plan for me and for my dependents and also a free raffle ticket. I asked her, “panu ko na avail to?” She said, “thru referrals”.
I believed in the quote saying ” Pag my tyaga may nilaga!” “Di nman ako nag tyga, bkit ako may nilaga?”
@sw33t_mariA –salamat po sa sagot mo ha…atleast you cleared na indi xa scam..katakot kaya..ilang beses n rin kasi ako naloko ng mga pyramid pyramid na yan..ewan ba at madali ako makuha sa pyramid eh indi naman ako magaling magrecruit..haist.. anyway, san mall ka po ba nkakuha ng ng policy nila? sad to know na ganyan po nangyari sa inyo. sana natandaan mo po name nung ahente para mabalikan mo xa…hehehehe
siguro po dapat ang sinasabi nila eh protection with savings part noh? kasi insurance naman talaga sila diba?. then secondary na lang ung savings part..un din naman kasi sbi nila sakin eh..savings with protection. kung iintindihin mo xa..parang savings talaga xa then with free protection. then nung nasa bahay nako i read the contract then when i analyze it parang its the other way around but parang pareho rin meaning..ewan ba..ill be consulting by relatives with this since marami nagcocomment dito..dapat timbangin lahat ng bagay. magresearch na rin ako..if good investment ba talaga xa or hindi..hope to here something from honest kasi parang madami xa connection and madami xa alam with regard sa insurance thing. thank you po marami
waaaaaaa…1 year and 4 months na po ako sa knila. then nkita tong site na tong site na to..nakakalungkot at nakakakaba to when nabasa ko talaga to..after reading this i read the contract para malaman ko talaga kung ano meron sa contract.. mostly sa nabasa ko sa taas more on people na kaka-avail pa lang po ng insurance..kaya ako magcomment dito para atleast meron naman policy owner na magbigay nang insight nila about this.
I read the contract and it seems na if ever i cancel the policy medyo talo po talaga tau or ako since indi ko lahat mkukuha lahat nang binayad ko. Well medyo aware naman po ako na hindi lahat siya kasi ginagamit ko rin naman yung insurance yun nga lang indi natin siya nararamdaman since walang by product tayong pinanghahawakan. siguro its one of the reason why we feel doubtful. papel lang ang hawak natin. indi natin nararamdaman ung benefit ang masaklap pa iba pa ang makikinabang nang benefit nito at hindi tau.saka wala naman talaga na naibabalik lahat ng buo diba. kahapon nga lang bumili ako ng barong tagalog sa kultura pilipino worth 2700 eh then pumunta ako divisoria nakakita ako mas mura.. gusto ko man iparefund hindi na pwede.replacement lang daw pwede..eh ganun talaga policy nila, no choice ako diba.
since nandito na siya, naka one year nako ng payment, might as well continue ko na xa. i called insurance commission also, if ever naman daw may bumagsak ng insurance company they wont allow naman daw na walang mapupunta sa client. I mean is ang sabi there are a lot of factor pa daw to consider and insurance company na bagsak na siya. Maybe ang masasabi ko n lang din is you have the contract. READ it.
also tama rin naman yung sabi nang ilan dito like sweet_maria..its your own choice. do what you think is best for your interest. to: tedd: might as well read the contract. consider your financial status, your family’s thought about this…un lang po…
@sean: if ever your an employee nga ng PPLIC. well cguro iparating mo na lang sa management ang mga hinaing ng mga clients nyo. if indi naman, hayaan mo nalng suggestion ko..hihi
Tandaan nyo na sa insurance pwede kayo tumaggi o umalis kung kelan nyo gusto, kaso nga lng kapag lampas ng 15 days. Scam? sa mall? natural madami yan illegal? natural protesyon yan, mayayaman ang mayari eh nkakabili ng batas. Patungn ka ba ng 10million may laban ka pa? Basta 15 days lang talga pwede para sa full refund, kung lampas pa dun patigil nyo na lang at nanakawan na kayo, true and insurance kaso pag kinomyut nyo 12 years pa bago tumubo pera nyo
isang malaking katangahan
@sean Bakit kung hindi ka ba mgbayad sino pa din ang talo? D ka naman covered ng insurance ah pag d ka nghuhulog, talgang talo ka, cge i2loy nyo lang kung mkakapagantay kyo ng 12 years eh para mgsimula tumubo pera nyo eh, kayo din habang pinapatagal nyo lalo kayong mananakawan
navictim din po ako sa sm-north. ang kukulit nla. kinukuha ko na ung card ko sinwipe pa rin. hindi ko pinirmahan ung charge slip. tumawag ako sa hsbc nakafloat na ung amount pero hindi pa napopost ng prudential. ipost kaya nila un kahit hindi ko inirmahan ung charge slip?
@anne22 pacancel mo na lang, floating pa naman.
@ anne22: tama si bricks, pacancel mo na lang. marami ka namang source dito eh. tignan mo na lang yung mga older post para malaman mo kung pano magpacancel. makakatulong yun!
paano kaya 2 yung soa ko walang pirma pero ako pinapirma nila sa kanilang copy? tumawag ako sa banko ko tpos sabi wait lang ng until friday kasi floating pa daw yung transaction if ever daw ma charge sa akin kailangan ko i fax ung soa na may nakasulat na cancelled. ang concern ko lang pwede kaya to na wala namang pirma? ang may pirma lang yung copy ko ng cancellation letter na may nakasaad30 to 45 days processing charge back full amount of 14,010 to your credit card account..please i need help..
maui——ung saken npa cancel ko na nun june 10…nilakad ko talga cia as in..mula nun nabasa ko tong site na toh..ngpunta agad ako kinabukasan sa sm north and then pgdating ko dun cnbing pag ngcancel ako d ako mkakakuha ng kahit na singko…so mejo ngtaray ako dun kc naman ang sabi nun agent eh 1 yir pa dw bago mka pag quit…at ang daming gnwa kc kabalbalan nun agent saken..kaya gnwa namin gumawa ako ng Incident report and then mga 2 wiks pa dw hihintayin bago magawan ng action dw nila…so sabi koang tagal nun 2 wiks db…kaya ginwa ko pupunta ako sa main ofis nila..dun ko na mit ung maricel dela cruz…sabi nia ok lang dw ba mg conference kami ksama un manager un agent at cia…so aun ngpunta ako dun nun june 10….ng confe kami at walang nasabi un agent regarding sa mga reklamo ko sa kanya kaya khit lampas na ko sa 15 days eh binigyan pa rin nila ko ng cancellatin at charge bak…kaya mgww8 n lnag me ng chargebak mga 30 days pa rw un
GIE—–uu eh w8 na lang me ng chargebak ko kaso sa july 2 kc un due date ko ng bayad nun kaya d ko dn lam pano ggwin ko kc db pag d mu nbayaran un eh mgtutubo na agad un bangko….
TEDD—-its up to u naman po…kaso dapat pagisipan mo rin naman na yan agad kc 15 days lang ang allowance mu para mkapag sauli ka….sa sm north kc ko nkakuha nian….
TNX Sa site na toh at sa mga ngpost….
@sw33t_maria- gnun nga din ang sabi sken eh,wala daw mkukuhang refund pag wala pang 1 yr ang policy..gusto ko na din kc itigil ung pagbabayad,yaw ko nman talaga mag-avail eh..nanghinayang lang ako sa initial payment ko kaya tinuloy ko..sabi nga pede daw ung conference..ndi ba nkakakaba?fair ba ung bagong head nila?bka kc pagtulong-tulungan ako..pede ba may kasama during conference?waah,,sana nman eh magwagi din ako..hehehe..hay nag-email na nga din ako sa knila ng complaint ko pero wala pa din reply..pede po pasend nung letter na ginawa mo?eto po email ad ko..maui_cute29@yahoo.com..pls reply..salamat..
@tedd. its ur decision nman f u tend 2 beliv that u nid insurance frm PPLIC. so u raise the question that is it a savings with insurance. well, allow me to ask u: ano ba priority sa life mo ngaun? savings? insurance? both? f tatanungin mo aq, well i will go with savings lng muna. as for now, f medyo bata ka pa, savings ka lng muna saka ka lng mag insurance. u mention about the laptop thing.. well.. just like f u hv a car, its a best advise that u get an insurance para sa car mo coz its a very big help nman. such is a very vulnerable sa mga accidents.. same with houses. so, the bottomline is: PPLIC is not the best for savings. their statement about saving with protection is a kind of deceiving tactics para mbenta insurance nila. kung may trabaho ka na or pamilyado at stable ka na, thats the time pasukin mo na ang insurance sa mind mo. insurance is a risky investment.. pinagpaplanuhan din yan coz it involves a large amount of money and time. and most of all, kung aq tatanungin, insurance are NOT 100% safe. that is a fact. like d2 sa pinas, maraming insurance company ang nalugi at napunta sa wala ang pera ng mga clients. i will not mention d names of insurance comp na nalugi.. try 2 think it very well with in 15 days since nakuha mo ung policy.. ask ur relatives about it also and ask their opinions.. Godbless 4 u and 4 everyone else..
@sw33t_maria – khit pay ka lang muna ng minimum due u.. d ba 500 lang nmn.. Follow-up mo lagi refund mo. And pag napost na ung refund s CC mo, make a letter for your bank to charge back din mga finance charges, since canceled na rin transactions mo with PPLIC.
MAUI—-nun una ng isip din me na baka unfair sila pero nun andun na kami sa conference eh naging ayos naman mabait naman silang kausap ung branch manager at ung si ms maricel…wala naman kasi nasabi yun agent ko nun tinatanong siya regarding sa mga reklamo ko na pinag gagawa niya saken nun araw na na swipe un card ko..kaya kinampihan ako nun manager…maging matigas ka lang sa pagsasalita mo..parang may taray efect…pwede magsama…kasi nun nagconfe kami ksama ko yung bf ko.,.d naman na siya pinagsalita…puro ako lang ang kinausap….i suggest magsama ka ng mejo maasahan mo na tao at mataray taray…
GIE—nakapag chargebak ka na ba??kanino ko ba iffolow up yun???sa bank ko ba o sa prudential….kc mg 10 days na un cancellation ko…ilan days ba tumagal un sau…
Hi everyone, pinakacancel ko na yung policy ko after 3 days at happy naman ako na hindi naman nila ako sinabihin or triny na alukin ng kung ano ano pa. Nakita naman kasi nila that I firm with my decision. I am waiting for 30-45 days for the refund at baka mag charge pa daw sila for July 15!!!! Akala ko ba kako cancelled na yung policy ko, irerefund naman daw. Nakita nyo na, magbabawas pa talaga tapos irerefund, eh di balak talaga akong gawing tanga! Kung sino man sa inyo ang nais na gumawa ng legal action about this, let me know may link naman sa pangalan ko. Tsaka pag sama2 tayo ay magiging malakas ang laban natin. Kawawa naman ang mga maaari pa nilang mabiktima. Let’s be wary and seize to tarry.
hi. ask ko lang po if meron ng nakakuha ng refund through atm? Sa atm kc binawas ung sakin. & if totoo na 30-45 days mababalik na. i have my SOA (cancelled from inception) and the cancellation letter with me. Enough na ba un as documents sakaling hndi pa din nila ibalik ung refund after 30-45 days? Do i need to tell my bank?kc atm nga po yung sakin. thanks, answers/comments very much appreciated. thank you po.
@sw33tmaria – sa bank mo follow-up ung finance charges.. sa akin BDO ung CC ko kaya sa Bdo ako ngfollow-up.
hi! is this true? I sitll have my PPL active, and monthly po ako nagbabayad but direct debit sa ATM ko. The same scenario na pa-raffle2 tapos introduce nila insurance, I paid 24K as DP, tapos 2300 every 15th of the month. Shit! I’m paying for it for a year now…what shall i do?
Hi guys, I also need help in canceling my plan. Last May 11,2010 I availed plan wealth builder plus, after a few days I was contacting the sales agent to help me cancel the plan, but she didn’t respond immediately. I just remembered during our conversation before that it was possible to cancel the plan anytime. But there is a cache on this which was not discussed during the selling of plan… only a percentage of the amount billed to the credit card can be refunded . I just feel that I was fooled. I already went to their office last week of may to cancel it. I just filed a letter and it was signed by the manager. The manager couldn’t assure me when I will receive the feedback since he said it was not under his control. Do you have any advice?
help help. ask ko lang po if meron ng nakakuha ng refund through atm? Sa atm kc binawas ung sakin. & if totoo na 30-45 days mababalik na. i have my SOA (cancelled from inception) and the cancellation letter with me. Enough na ba un as documents sakaling hndi pa din nila ibalik ung refund after 30-45 days? Do i need to tell my bank?kc atm nga po yung sakin. thanks, answers/comments very much appreciated. thank you po.
hi everyone, like many of you i was also a victim of that scammers, it happened last sunday at SM southmall, for me i am a very big fool sa ngyari dahil naloko nila ako. nacharge sa cc ko 24k+. i already called to cc customer service if i can cancel that transaction pero sabi nila depende daw yon sa PPLIC, dun daw dpt ako magpakancel. huhuhuhu i need help of all of you. may chance pa ba n macancel ong endowment ko at hindi ako mabilled dun sa cc ko. pls help. im planning to submit letter of cancellation to the headoffice but do i have a chance na macancel yong policy ko at hindi ibilled yong 24 k sa akin?
Hi everyone, katulad ng marami dito isa ako sa biktima ng PPLIC na yan, same story kung pano nilang niluluko mga tao, I should say that they are really a scammer kasi kung hindi, right there and then na pinapacancel ko yong policy ayaw nilang i-cancel kasi daw nai-credit na raw sa credit card ko yong 65K, Damn them, mga taong walang puso, di na nila inisip yong taong binibiktima nila, Nabiktima ako nong June 2 sa megamall at ang masaklap nito, ilang oras nalang nong time na yon paalis na ako ng bansa at until now di ko parin naipapacancel yong policy na yan.
That time they forced and pressured me to sign the receipt and all the docs para sa insurance na yan, ayaw nila akong paalisin ng office nila sa megamall hangat di ko natatapos mga kailangang pirmahan kahit na sinasabi ko na sa kanila na next time nalang dahil kailangan ko ng umuwi para mag-ayos ng mga gamit at madedelay na ako sa flight ko, Wala silang pakialam kung anong mangyari sayo basta makuha lang nila gusto nila. That time i was so hopeless na pirmahan nalang yong mga papers kasi mga 3-4 persons yong nakapaikot sa akin giving different kind of papers para pirmahan ko, I even talk to their branch manager pero ayaw nyang ipa-cancel, and the thing there is habnag kinakausap ako at sinabi ko na I need to go home bigay nyo na lahat ng pipirmahan ko para makauwi na ako, She ask me kung “HAPPY” daw ba ako na kumuha ako ng policy nila, the nerve of that woman, pano ako magiging happy samantalang pinilit nila ako, they tricked me and sa tingin ko yong iced tea na binigay nila sa akin there is something kasi kahit galit na ako, still i speak calm, and the thing there is umalis ako ng walang dala, even yong resibo ko sa credit card.
Anyone who can advice me kung pwede pa bang mai-cancel yon, even more than 15 days na? malaking amount din yong 65K na kinuha nalang nila basta basta sa CC ko, or pwede ba akong gumawa ng legal action from them?
@francesca thru atm pwde irefund.. after mo na pacancel, jus check ur atm acct from time 2 time.. i got my refund also thru atm after 2 weeks mtpos aq nagpacancel.
@ladyval 65K is too big. follow some advise posted on this blog. as early as possible, u hv to make some actions regarding from it.. Godbless 2 all.
I’ve been constantly contacted from this company in the past 2 months that I won a scholarship from Datamex computer college and need to claim the scholarship at their Cebu office in Ayala. Nakaka disturb na talaga even if I told the a certain Mr. Vergara to leave me alone and not contact me. I know someone who was also forced to buy a policy from this company when he went there to get the so-called scholarship. Kakainis na talaga cla!!!! They won’t give up! Keeps on texting and sometimes calling.
Nag-email kami ng complaint ni maui sa IC. and we got call from PPLIC and inviting us to a conference on June 24. Maui and I are very hopeful para ma-settle na yung problema namin.
yesterday, I faxed the complaint letter to IC and now I got a reply from them. A request from public assistance office in order for us to cancel the policy.
sa lahat ng gustong magpa-cancel… I suggest na email nyo ang Insurance Commission.. seek their help.
sana matapos na tong problema natin!
Hi guys, scammer ba talaga sila? as in wala ba talaga kayong nakuha nung bumili kayo? yung mga nasabing nanalo ng scholarship from datamex, wala ba talaga kayong nakuha na scholarship? kung nag avail kayo ng product nila? Kasi tinetext din ako ng mga ito eh at nakikita ko din sila sa sm. Natatakot kasi ako na baka ma UNO ulit ako eh alam niyo ba yun? Sure na sure ako na scam yun kasi wala manlang akong nakuha na anything, wala akong natanggap kahit nagbigay ako ng pera. Is it the same thing as what PPLIC is doing? please reply
@ Katt, I received a call from PPLIC main branch and pinpag-attend din ako ng conference with the agent, manager and supervisor dun sa SM North branch. Balitaan mo kami ano nangyari sa conference nyo ha, sa sabado ung conference ko e.
Just this morning, June 24, 2010, I received a text message from a stranger named MR. WINNIE ANDRADE of PHILIPPINE PRUDENTIAL. His Mobile Phone No. is 09071932873 and he wants us to call him at Tel No. (02) 7551532 allegedly at the MAKATI Office. His message was written as is:
FINAL NOTIFICATION:
Good day! This is Mr. Winnie Andrade from (PHILIPPINE PRUDENTIAL). Your 3Exclusive Rewards and Privileges for FREE are still here in our office. Yuo need to claim and Activate it w/in 48hours, because the management will finalize all the records of our clients/recipients who don’t claim their reward. For your Claiming Code which you will need to present upon claiming; you may call us eclusively in our MAKATI Office from 9am to 5pm for further information. Tel. (02)7551532 upon receipt of this message. Tnx and Godbless. (DISREGARD IF CLAIMED).
FINAL NOTIFICATION
Good morning.. This is Mr Winnie Andrade frm PHILIPPINE PRUDENTIAL Ur “3 EXCLUSIVE REWARD AND PRIVILEGES” are READY to CLAIM and still hear in Our Office. You need to CLAIM & ACTIVATE this w/in 48hours, Because our Management will Finalize All the Records of our Clients/Recipient who doesn’t Claim their rewards. Pls. call our Hotline w/in 48hours frm 9AM to 5PM for further information. MAKATI OFFICE: Hotline nos.: 02-7551532 look for Mr. Louie Aguilar. Thank you. (DISREGARD IF CLAIMED)
sender: +639071932873
I replied: Ang swerte ko talaga
ladyhann: ako rin, sa southmall gusto mo punta tau this saturday? email mo ako asap: almajane_0103@yahoo.com.ph
i’ll wait for you email. please i pull back natin ung pera natin!
hi alma jane: naku d me pwede e may work me. and nagtawag na ako sa customer service, yon lang daw applicant ang pwede maentertain sa southmall kasi under renovation yong are kaya yong guto daw magpacancel e sa megamall o north edsa pumunta. sa cc din ba sa yo, magkano nakuha? kainis grabe sila araw araw ndadagdagan ang victim
ladyhann: txt mo n lng ako 09351896247. punta tau southmall sa saturday. i want to get back my money.
alma jane: d daw tyo eentertain dun e
nagfollow up ako ng cancellation by phone sa customer service…. wait na lang daw me ng tawag from branch, ask ko until when me wait, d daw sure…… huhuhu so much worried na me baka di na mabalik sa akin money ko
pls.. tulungan nyo po ako ano dapat ko gawin nkpag avail dn po ako sa knila last may 27 sa sm south mall nman po nangyari skin, pero kinabukasan bumalik dn po agad me para pacancel ok nman at naicancel din agad sbi wait dw po ako ng 30-45 days pero until now wla prin bkit un iba sa nbasa ko dto narefund agad nila, 49,648 ang nakuha skin thru Atm nman po kumpleto nman po un mga docs dto skin, ano dapat ko gawin sumasakit na rin po ulo ko sa kaiisip npakalaking halaga pa nman..
I’ve been receiving the same text msg
FINAL NOTIFICATION:
Good day! This is Mr. Louie Aguilar from (PHILIPPINE PRUDENTIAL). Your 3Exclusive Rewards and Privileges for FREE are still here in our office….
Matagal ko na ito narerecv pero kanina ko lang tinawagan. I tought this is a legitimate rewards kasi plan holder ako ng Prudentialife. Pero while talking with them I realized Philippine Prudential ay totally different company from the establishedt Prudentialife, even their name is deceiving.Tapos asking for 3 valid IDs including a credit card( kelan pa naging valid ID yun). Kaya I realized its a scam at sinabi ko wala ako credit card.
I hope everyone will resolve their problems with them at sana maireport at marevoke license nila.
received the very same message. nathalie de guzman sill lives but with a diff. number! lol 0912-7616081
i received a txt msg from philippine prudential saying i got a reward thing from them.and its a 2 yrs scholarship program plus 25thousand international insurance……………..hmmmmmmmmmmmmmmmmm sounds fishy to me. im not fully convinced in what they are trying to offer me,so what i did i google the company and found out that everythin is a scam……..sorry guys you cant scam the scammers…
contact number 09284779983/4126503 luk for mr.john perez daw…if you want to sell something to do it legally. you guys sounds so good,but your style is to obvious…
last june 24, 2010… i went back to megamall for the conference invitation ng PPLIC. As discussed sa phone, paghaharapin kami nung agent at nung sales manager.. yung sales manager lang yung dumating since yung agent is resigned na daw… they were polite naman. Kya lang talagang ininsist nila sa kin na wala talagang refund at cash value lang ang makukuha ko. I just detailed the story… at kung bakit ko pa ng pinatagal ng 1 year because iyon nga yung sabi sa kin nung agent… and decided na talaga akong ipa-cancel and i want full refund… they just say na baka gusto ko daw i-downgrade na lang… sa amount na kaya ko…sabi ko hindi na talaga… ayun… wait daw po ng 10 working days kung ano ang desisyon ng management nila… (huh?)
so iyan po ang update ng lakad ko last thursday…
pero pag negative ang resulta… i still pursue to get my money back…
@ Kath, nagpunta rin ako kanina sa SM North for the conference. Andun ung CSR manager, branch manager, ung agent at ung manager nya. Sinama ko ung friend kong bakla (mataray) para may back-up ako, kc nung unang ngpunta ako pra magpacancel napagtulungan lng ako. Pinakwento kung ano nangyari nung ng-avail ako at nung first akong ngpa-cancel. Maghintay daw ako ng 10 days pra sa feedback nila. Sana may feedback nga.
Just want to share also….
I received a text from Mr. Winnie Andrade of Prudential Life that I won three major prices: Prudential Life Insurance until my 60 years old, a Datamex scholarship (and can be transferred) and raffle draw. I did call Mr. Winnie Andrade regarding this and advised me that I must have first these requirements: job, ATM, credit card, checking or passbook account and government identification card. Since I have these requirements, I asked Mr. Andrade when to get these my prizes. He told me that I would receive text or call from him again as soon as I have the claiming code and that would be the time to go to Prudential Paseo de Roxas, Makati City. It’s been a while when we had our conversation that I also forgot these things because I had also job to do. Last June 12, 2010, when I checked all my received texts, I saw again Mr. Andrade texts. I did text him again when I get my claiming code for my prizes and even finished my text if these prizes are real or scam. He didn’t answer so I really thought, it was a scam BUT I NEVER ERASED HIS TEXTED BECAUSE I THOUGHT OF HELPING PRUDENTIAL INSURANCE IN CASE I HAVE A CHANCE.
Yesterday, June 24, 2010, after my usual facial cleaning at Dermaclinic Megamall, (the time was 4:30 p.m.), I had the chance to visit Prudential Life. I went left side first. I talked to customer service staff and showed the texted of Mr. Winnie Andrade. She told me: “Ma’am, dyan sa right side yan, punta ka dyan, sila makakatulong dyan.” I went to right side and while walking, a male employee approached me and asked if I have credit cards. I told to him “sandali lang ha, may aayusin lang ako dito sa Prudential.” When I went to Prudential right side, I asked one front liner, “Ma’am, may papakita lang ako sa inyo if totoo ito or scam.” I did read the texted of Mr. Winnie Andrade of Prudential Life; she said, “Ma’am dito po tayo sa isang room.” The front liner and one gay employee escorted me to another room. A different front liner of that room, aside to former front liner (and the gay also with my side) said to me, “Yes, Ma’am, ano po yon?”
I responded, “I just want to know kse itong text sakin ni Mr. Winnie Andrade of Prudential Life kung totoo ito, that I have a final notifications from Prudential that I won and must have claiming code. Kasi nung nag usap kami ni Mr. Winnie Andrade, sabi niya na may prudential life insurance ako till 60 years, Datamex scholarship and raffle promos. Pero kailangan may ATM/Credit cards ako, job and banking accounts.” ALL OF THEM AGREED, from the former to the other front liner to that gay,
“Ma’am totoo yan di yan scam.” Thus, I believed it was all true because they agreed to the text message of Mr. Winnie Andrade. I still remembered, they wrote the name of Winnie Andrade to the PPLIC AUTOHAN. BILANGAN II. I WAS SO HAPPY TO GET THESE PRIZES. The front liner again told me,
“Ma’am okey lang, may i-prepresent lang ako sa inyo, 45 minutes lang.” I was, that time, didn’t want to say “yes” of that 45 minutes because I had to go to my office. However, in view of the fact that “I THOUGHT” I WON THREE PRIZES, I said yes and signed a paper.
The Sales or Marketing Officer (I’m sorry again I forgot her name, the thing I remembered to her, she is a nurse and graduated at CEU) really good in sales/marketing, very responsive, presentable and beautiful. I didn’t have any problem with her. And to be honest, I even helped her in my little way, by getting a “protector plan” amounting P2,565.00. I did declare to her that I have Manulife and Philam Insurances now. When I saw the time 6:47 p.m, I became annoying because I didn’t have the time to visit my office and also thought it was only 45 minutes. I wanted to ask that then my 3 prizes but my face was kinda irritated again (because I didn’t have time to check my office) when someone approached me,
“Ma’am basta gusto mo yung isa…” She didn’t have the chance to complete her sentence because I said, “I’m sorry.” Again, somebody (also a Sales/Marketing Officer) sat in front of me, talked me while waiting to the nurse, “Ma’am, tiga-saan ka?”
I answered, “Mandaluyong,”
“Ma’am, tiga Mandaluyong din ako, saan ka, sa San Felipe ako malapit.”
“Sa Aglipay? Malapit ako sa Municipal Hall.”
“Tiga doon ako, Ma’am, Aglipay”
Since it was an evidence that my face was kinda upset with the time, she told me, “Ma’am, sasamahan kita sa raffle promos and dollar game habang hinihintay natin yung certificate mo. Ano po ang gusto mo gift?” And again, this Sales/Marketing Officer was also easy to talk to and pleasant, I didn’t have any problem with her.
After that, I asked her, “when ko makukuha yung prudential plan ko and Datamex?”
She said, “yun lang pong protector po and yan bag mo.”
I was so curious and the same time sadden; I did ask again, “e ano yung 3 prizes na sinabi ni Mr. Winnie Andrade and nag-oo ang front liners nyo sa labas?”
“Tanong ko po kay ________ (the nurse).
She asked the nurse and approached me, “Ma’am, tanong ko po manager ko…”
My fault, I did erase the text of Mr. Winnie Andrade when the Sales/Marketing Office (the nurse) talked to me.
I went outside and said,
“bakit sabi nyo, totoo itong text ni Mr. Winnie Andrade at hindi scam.” And again, I’ll be honest, I was pissed off and some of the front liners and the nurse wanted me to sit down and eased my hotheaded face. I did say to her “sana pala di nako nag punta dito, parang scam ang ginawi niyo sakin e.” What made more angry, when the manager of the nurse said to me, “I-check po muna namin yung name ni Mr. Winnie Andrade kung tiga dito kasi po, iba yung Prudential Life nasa Paseo Makati, kami po Philippine Prudential kami…” and I heard a Sales/Marketing Officer (a guy not gay) told “BIGYAN NYO NA LANG NG GIFTS TOKEN NATIN!” I just asked the name of the President because I wanted to open up my concern regarding this eventually and walked-out.
First, I went to Prudential Life to HELP PHILIPPINE PRUDENTIAL COMPANY by visiting personally regarding the text of Mr. Winnie Andrade; I even read it in front of them and showed the text messaged if it was REAL OR SCAM. My query now, WHY DID FRONTLINERS SAY IT WAS ALL REAL? Second query, I said and even showed the texted messages came from Mr. Winnie Andrade – WHY DID THE FRONT LINERS ACKNOWLEDGE THE NAME OF MR. WINNIE ANDRADE? Third query, WHY DID THE MANAGER ONLY CHECK THE NAME OF MR. WINNIE ANDRADE IF HE IS EMPLOYED ONLY WHEN THE TIME I HAD CONCERNS? Fourth, one of your employees said: “BIGYAN NYO NA LANG NG GIFTS TOKEN NATIN!” I was wearing shorts, slippers and I didn’t have any make-up because of my derma. My question now, DOES PHILIPPINE PRUDENTIAL INSURANCE PREFER THE CUSTOMER CLASS A? Yes, I want to get my prizes because of the Datamex scholarship because I want to give it for my niece and if ever I just wore shorts and looked like: “parang bahay ang suot” I believe, must be RESPECTED. I maybe sound arrogant, but the Sales/Marketing Officer (the nurse) may be my witness who I am.
I was so depressed to the Sales/Marketing Manager of the Nurse, ESPECIALLY TO THEIR FRONT LINERS and the one who told “BIGYAN NYO NA LANG NG GIFTS TOKEN NATIN.” As a HR Practitioner for 15 years, I do give training Customer Services to my employees and I always tell to them that the customer must be served RIGHT, that is why it is called “CUSTOMER SERVICE.” ME, as your customer now must KNOW AND BE SERVICED THE PRODUCT RIGHT, DISTINGUISH THE DIFFERENCE BETWEEN OF THE PRUDENTIAL LIFE AND PHILIPPINE PRUDENTIAL LIFE INSURANCE COMPANY BEFORE GIVING THE 45 MINUTES PRESENTATION, TIME-CONSUMING (Holy crow, it was not 45 minutes but 2 hours!!!) BE FAMILIAR WITH THEIR CO-EMPLOYEES AND MOST OF ALL, GIVE RESPECT.
My apology to Philippine Prudential Life Insurance Company Inc. if I walked-out because I was pissed off to your front liners, the Sales/Marketing Manager of the nurse and the one who said to just give me gifts or token. I really felt, I EXPERIENCED SCAM by your company.
Hi, Arpee…Just want to share also my experience last thusday, June 24 at Philippine Prundetial SM Megamall…
I received a text from Mr. Winnie Andrade of Prudential Life a FINAL NOTIFICATION that I won three major prices: Prudential Life Insurance until my 60 years old, a Datamex scholarship (and can be transferred) and raffle draw. I did call Mr. Winnie Andrade regarding this and advised me that I must have first these requirements: job, ATM, credit card, checking or passbook account and government identification card. Since I have these requirements, I asked Mr. Andrade when to get these my prizes. He told me that I would receive text or call from him again as soon as I have the claiming code and that would be the time to go to Prudential Paseo de Roxas, Makati City. It’s been a while when we had our conversation that I also forgot these things because I had also job to do. Last June 12, 2010, when I checked all my received texts, I saw again Mr. Andrade texts. I did text him again when I get my claiming code for my prizes and even finished my text if these prizes are real or scam. He didn’t answer so I really thought, it was a scam BUT I NEVER ERASED HIS TEXTED BECAUSE I THOUGHT OF HELPING PRUDENTIAL INSURANCE IN CASE I HAVE A CHANCE.
June 24, 2010, after my routine facial cleaning at Dermaclinic Megamall, (the time was 4:30 p.m.), I had the chance to visit Prudential Life. I went left side first. I talked to customer service staff and showed the texted of Mr. Winnie Andrade. She told me:
“Ma’am, dyan sa right side yan, punta ka dyan, sila makakatulong dyan.”
When I went to Prudential right side, I asked one front liner,
“Ma’am, may papakita lang ako sa inyo if totoo ito or scam.” I did read the texted of Mr. Winnie Andrade of Prudential Life; she said,
“Ma’am dito po tayo sa isang room.”
The front liner and gay employee escorted me to another room. A different front liner of that room, aside to former front liner (and the gay also with my side) said to me,
“Yes, Ma’am, ano po yon?”
I responded, “I just want to know kse itong text sakin ni Mr. Winnie Andrade of Prudential Life kung totoo ito, that I have a final notifications from Prudential that I won and must have claiming code. Kasi nung nag usap kami ni Mr. Winnie Andrade, sabi niya na may prudential life insurance ako till 60 years, Datamex scholarship and raffle promos. Pero kailangan may ATM/Credit cards ako, job and banking accounts.” ALL OF THEM AGREED, from the former to the other front liner to that gay,
“Ma’am totoo yan di yan scam.”
Thus, I believed it was all true because they agreed to the text message of Mr. Winnie Andrade. I still remembered, they wrote the name of Winnie Andrade to the PPLIC AUTOHAN. BILANGAN II. I WAS SO HAPPY TO GET THESE PRIZES. The front liner again told me,
“Ma’am okey lang, may i-prepresent lang ako sa inyo, 45 minutes lang.”
I was, that time, didn’t want to say “yes” of that 45 minutes because I had to go to my office. However, in view of the fact that “I THOUGHT” I WON THREE PRIZES, I said yes and signed a paper.
The Sales/Marketing Officer (I’m sorry again I forgot her name, the thing I remembered to her, she is a nurse and graduated at CEU) really good in sales/marketing, very responsive, presentable and beautiful. And to be honest, I even helped her in my own little way, by getting a “protector plan” amounting P2,565.00. I did declare to her that I have Manulife and Philam Insurances now. When I saw the time, it was 6:47 p.m, I became annoying because I didn’t have the time to visit my office and also thought it was only 45 minutes. I wanted to ask that then my 3 prizes but my face was kinda irritated again when someone approached me,
“Ma’am basta gusto mo yung major insurance na…”
She didn’t have the chance to complete her sentence because I said,
“I’m sorry.”
Again, somebody (also a Sales/Marketing Officer) sat in front of me, talked me while waiting to the nurse, “Ma’am, tiga-saan ka?”
I answered, “Mandaluyong,”
Since it was an evidence that my face was kinda upset with the time, she told me,
“Ma’am, sasamahan kita sa raffle promos and dollar game habang hinihintay natin yung certificate mo. Ano po ang gusto mo gift?”
After that, I asked her,
“when ko makukuha yung prudential plan ko and Datamex?”
She said,
“yun lang pong protector po and yan bag mo.”
I was so curious and the same time sadden; I did ask again,
“e ano yung 3 prizes na sinabi ni Mr. Winnie Andrade and nag-oo ang front liners nyo sa labas?”
She asked the nurse and evetually approached me,
“Ma’am, tanong ko po manager ko…”
I went outside and said,
“bakit sabi nyo, totoo itong text ni Mr. Winnie Andrade at hindi scam.”
I did say to them,
“sana pala di nako nag punta dito, parang scam ang ginawi niyo sakin e.”
What made more angry, when the Sales?Marketing Manager of the nurse said to me,
“I-check po muna namin yung name ni Mr. Winnie Andrade kung tiga dito kasi po, iba yung Prudential Life nasa Paseo Makati, kami po Philippine Prudential kami…” and I heard a Sales/Marketing Officer (a guy not gay) told me “BIGYAN NYO NA LANG NG GIFTS TOKEN NATIN!” I just asked the name of the President of PPLIC because I wanted to open up my concern regarding this eventually and walked-out.
First, I went to Prudential Life to HELP THEIR COMPANY by visiting personally regarding the text of Mr. Winnie Andrade; I even read it in front of them and showed the text messaged if it was REAL OR SCAM. My query now, WHY DID FRONTLINERS SAY THAT FINAL NOTIFICATION WAS ALL REAL? Second query, I said and even showed the texted messages came from Mr. Winnie Andrade – WHY DID THE FRONT LINERS ACKNOWLEDGE THE NAME OF MR. WINNIE ANDRADE? Third query, WHY DID THE SALES MANAGER CHECK THE NAME OF MR. WINNIE ANDRADE IF HE IS EMPLOYED ONLY WHEN I ASKED? Fourth, one of the employees said: “BIGYAN NYO NA LANG NG GIFTS TOKEN NATIN!” I was wearing shorts, slippers and I didn’t have any make-up because of my derma. My question again, DOES PRUDENTIAL LIFE PREFER CUSTOMERS WHO ARE CLASS A? Yes, I want to get my prizes because of the Datamex scholarship because I want to give it for my niece and if ever I just wore shorts and looked like: “parang bahay ang suot” I believe, must be RESPECTED. I maybe sound arrogant, but the Sales/Marketing Officer (the nurse) may be my witness who I am. If I walked-out because I was pissed off to their front liners, the Sales/Marketing Manager of the nurse and the one who said to just give me gifts or token. I really felt, I EXPERIENCED SCAM by PHILIPPINE PRUDENTIAL LIFE INSURANCE COMPANY.
Si agnes at bonnie ba iisang tao lang? pareho story nila e na maraming grammatical errors. Nagnosebleed ako sa pagbasa ng mahaba nyong kwento at pg-intindi sa mga english nyo. (peace!totoo naman po un, wag na po mg-english kung hindi kaya).
nagsent na me ng cancellation request sa PPLIC tapos halos everyday me follow up since june 22, pero until now wala p ring progress. sabi ng customer service naforward n dw sa branch. nagmail n din me sa insurance commision for help. i know its much better n punthan tlg dun pero nung una me tumawag d daw maeentertain sa southmall kasi under renovation, kay sa ibang branch daw me punta, i still worried din nmn kpg pumunta ako kasi im not yong tao n kayang makipagtigasan sa kanila….what to do na po??
to vigilantcitizen: dapat nga, maawa ka kay agnes or bonnie, na-scam sya…and i guess, ikaw may mayroon problem sa grammatical errors dahil tagalog ang comment mo. kung magaling kang mag English, tulungan mo siya hindi i-pahiya.
to agnes or bonnie: sorry kung na-scam ka ng philippine prudential….
@ ian, i didn’t meant to disgrace agnes nor bonnie, this is just my opinion
I was also victimized by this scam and now in the process of getting my money back that’s why I’m patronizing this blog.
@ agnes a.k.a bonnie, you may want to do backreading. Their were several posts here that is the same as your scenario, surely these can help.
P.S. bulag lang ang hindi makakahalata na pareho lang ang pinost ni agnes at bonnie (suspicious) and also their grammar (parang TH mag-english). Ang comment ko lang naman ay kung parehong tao lang naman siya bkt magkaibang pangalan pa ang ginagamit nya
@ ian, sorry if u felt that my comment is offensive but to tell you I don’t meant to disgrace agnes nor bonnie, I just thought that their posts are “SO SIMILAR” and the english is “KIND OF TRYING HARD”. Bulag lang ang hindi makakapansin nun. Hindi ba nakakapagtaka mgkaibang pangalan parehong scenario? unless intention tlga yan nung ngpost. And just to infom you, I was also victimized by this company and now in the process of getting back my money kya ngbabasa-bsa ako sa blog na ito. I don’t need to write in english just to prove that I’m comprehensive on it, ang sa akin lang pde naman magtagalog as long as naiintindihan kesa mag-english na balu-baluktot naman
@ agnes/bonnie, try reading the previous posts, marami dun preho ng case mo. Tiyak makakatulong ang mga tips nila. Godbless
@ladyhann. tama po ba yung email address mo to PPLIC? Kase after kong masend yung complaint ko, the next day tumawag na sila for conference. please check. and ang insurance commission, hindi po sila agad agad nakaka-reply… just wait po. pero if ever naiinip ka narin, pwede mo na silang puntahan…
by the way, pag negative ang mga lakad natin, i already talked to a lawyer.. mas gusto nya mas marami ang magrereklamo mas maganda.just keep in touch po.
hi to all… haist, after ko mabasa tong site na to kinbahan ako, same experienced guys na tinwagn ng csr na nanalo daw blahh blahhh last May 29,2010… sabi within 48hrs na hindi ma claim wala n daw pero nangu2lit pa din para i claim kaya pinunthan ko, magaling sila mag salestalk, after long talks hiniram ung credit card ko i chi-check lang daw kung mgkano ang pwede kong ma avail na insurance, sabi ko p nga wag i swipe, pero ayun at na swipe na . Gusto ko din i cancel ung policy ko, na received ko na ung docuemnts pero hindi pa ako nkakapag bayad sa BDO kasi wala pa nmn ung billing ko, kaya tumwag ako sa BDO credit card hotline and confirmed na released na ung money ko at nka installment, pwede ko daw ipa dispute ung transaction, can u help me guys how to make letter of request to BDO (disputed transaction)?..
@ katt – thanks po for the message. may tumawag n s akin from head office yesterday aftenoon, sorry daw if nun lang me natawagan, sabi need ko daw masoli dun mga docs, inalok p nga me na idowngrade na lang pero d me pumayag. kune d ko daw madadala dun docs pwedde ko dw ipadala trough LBC.
katt: sa anong address ipapadala pag thru LBC? ano po email ad ng insurance commission?
Agnes/ Bonnie: ung protector ba 2565 po ba is one-time lang un, or monthly din? kasi nag avail din ako ng ganun e.
hi everyone…like xa mga stories nyo i was also a victim last feb 2010 @ sm iloilo. Ganun na ganun din ang strategies na ginamit nla xa akin…i returned after 2 days to cancel my account together w/ my aunt…after moments of discussions i wasn’t able to cancel, pero downgrade nlng which i agreed due to false assurances by them. I’m working abroad & after i got back i searched for their company in the net & i found out na marami plng complaints against them. After that i called them very often & i faxed a cancellation letter w/ an attachment of how they tricked me, i also e-mailed a letter of complain to SEC but i received an e-mail from them that they forwarded my letter to the Insurance Commission coz it’s them who is responsible for PPILC. Everything ended well though…they charged back the money to my acct 30 days after i surrendered the documents…i was really very thankful! It was really a traumatic & unforgettable experience for me.
@ladyhann..ibig sabihin po ba.. ok na yung cancellation mo kaya pinapasoli na yung documents mo?
@alma Jane: working po pareho ang address na ito…
pubassist_ic@yahoo.com.ph
pubassist@insurance.gov.ph
@katt: d p rin me sure kung ok na, ang sabi lang kasi nung tumawag e need ko masoli docs pr maprocess n mabalik yong nakuha sa card.
khan—-bdo din ung cc bank ko..katulad mu ngpacancel na rin me en na aprove naman ngwwait pa rin me til now ng chargebak bale pang 20 days na ngaun….sa site ng bdo may mga forms dun na pd mu idonwlod…may dispute form dun…yun lang ung pinorward ko sa kanila…ksama ung letter from prudential na ngpapatunay na cancelled na un transaction,,,kc kahit mgpasa ka ng dispute kng wala ka cancellation letter from prudential hindi ata ma ggrant ung chargeback mu….
Gie—-ngffolowup pa rin me constantly sa bdo..sabi mgcol dw ako 2m july 1, para malaman kng may adjustment na nangyari…anu ba un adjustment na un??un na ba ung chargebak??
kanina lang… june 30, 2010, around 720pm may baklang lumapit sa amin sa sm north edsa… sabi qualified daw kami sa raffle… dahil may credit card kami.. sabi ko sa gf ko sige claim natin yung may offers nila… yung gf ko di nya dala credit card nya ako lang ang may dala.. sabi mga 45 mins lang ang usapan at walang pera na nvolve dito… pumayag ako… LEA ang pangalan nung kumausap sa akin… di nya alam habang nakikipag usap ako sa kanya e napicturan na sya ng gf ko… tas pinapasok na ko sa loob para daw dun sa briefing… ayun kung anuanung tinatanong sa akin… nurse daw sya sa CEU SAMPALOC? bobong LEA taga-CEU din ako…hehehe… sinabi pa nya pwede bang makita credit card mo? hinawakan nya pero kinuha ko ulit… inabot ako ng halos 3 hrs! p****** *na! pinainom pa ako ng iced tea! bottomless daw! p***** *na ulit! kala nila eepekto un… sa badtrip ko sabi ko aalis nako dahil higit na sa 45mins ako dun pero sbi nung hayop na LEA na yan kelangan ko pa daw ng proper exit! leche! ano ako empleyado na nagreresign? kelangan ng exit clearance? pweh! ang di ko alam yung gf ko na naghihintay sa labas e galit na galit na din…di nya napigilan sarili nya at bigla xang sumugod sa loob! “P***** *NA! umalis na tayo nga gago kao!” pinagmumura nya mga tao sa loob… pati na rin sa labas.. yung isang lalaki nagsabi pa “bigyan mo na lang ng prize sina ma’am” bobo ba sya… kala matutuwa kami… inulan lang sya ng mura galing sa gf ko! hehehe! tas di pa sya nakuntento… tinawagan nya kuya nya para ireklamo..( lawyer kuya nya pati ate) hehehe… ayun binalikan namin yung mga P***** *nang mga hayop dun… pinicturan si lea at kinuha real name ng pangalan ni LEA. Catleya Tancuan daw real name nya… kahit di man nya cnbi real name nya e may picture sya sa amin… heheheh Para kay LEA… humanda ka sa sabado… dudumugin ka ng mga taga-CEU SAMPALOC! BWAHAHAHAHA…. pati ung ungas na bakla! sapak abutin mo sa kin… pero buti di nagalaw cc ko.. thanks kay God. pasenxa sa mga words na ginamit ko… BADTRIP lang talaga
Salamat sa mga nag-blog sa site na to, napacancel ko na ang policy plan ko medyo nakakatulog na ko ng mahimbing.hintayin ko na lang yung marerefund ko hindi pa kasi ako kumpleto ng document from BDO. Ang dali nilang kumuha ng pera sa CC ko pero pag-kukunin mo ang daming process.
nakakatawa pag-nagpacancel ka na ang daming dahilan down daw ang server nila balik na lang daw… pero nakakuha kayo ng pera sa mga client nyo …. ano yun?.
advice lang po sa mga magpapa-cancel pag sinabi nilang down ang server nila wag kayong papayag… kasi nag-sisinungaling sila.
guyz….nakuha ko na yung exact money ko..im very much happy!!wala pang 30 days…hope sana kayo din..
hi po katulad ng mga reklamo nyo naguyo din aq last june 20,2010, pareho ng mga nangyari sakin nung araw na un,..the next day po tumawag kagad aq sa bank q at naka charge na ung 9215, since humingi aq advise gumawa kagad aq ng letter of dispute pero kanina lang tumawag bangko q na d maddispute un unless d aq magpresent ng cancellation letter na galing sa PPLIC kaya this saturday nag decide aq pumunta sa sm north edsa sana kahit panu may result pag punta q since pang 13 days ma un sa allowed nila na 15 days look period…
@chie ano po gnawa nyo para marefund ung pera nyo? cc kasi gnamit sakin eh worry na q ksi naka bill na sakin ung 9215
@ Shy, ano nangyari sa lakad mo nung saturday? sinong agent humarap sau? nanginginig laman ko tuwing maalala ko ung mukha nang agent na humarap sa akin…grrrr
Guys nagsend na ng reklamo gf ko sa SM leasing center. Sinabi nya yung katiwalian nung PPLIC tapos sinend din nya yung link na ito. Pati sa imbestigador nagsend sya ng e-mail. Pipicturan na lang nya yung flyers para gawing evidence sa complaint nya sa DTI. Kasi kapag nagcomplain ka sa DTI kelangan may evidence.Yung flyers kasi walang DTI permit number. Nilalakad na rin ng kuya nya kung anong isasampang kaso dun sa PPLIC. Galit na galit din talaga sya kaya lahat daw gagawin nya para bumagsak yun. . magtulungan tayo…para di na maulit pa panloloko nila at dumami mabiktima nila.. sobrang sama talaga ng loob ko… magkukunwaring professionals pero manloloko pala… lalo na yung LEA na yun!
guys naaalala nyo ba sabi nung mga agents? ipagkalat daw na nag-eexist ang company nila… o ngayon na yung time natin… ipost sa facebook pati mga pictures ng flyers nila! nagyon cigurado kakalat na information about sa PPLIC! ikalat natin to para di mabiktima ung ibang tao.
Tip lng Guys ha.. Wag lng kyo papaloko kasi ang naloloko MASBOBO pah sa manloloko.
Willing ako makipagtulungan. Nasa proseso na rin ako ng pag-cancel ng policy ko. Last saturday ung conference and mag-wait daw ako ng 10-days pra sa result ng incident report. Nung first attepmt ko ksi na magpa-cancel e npagtulungan lng ako kya akala ko OK lng na ituloy ko n lng ung policy pero after nun ndi pa rin ako normal kya naisip ko ituloy na tlga ang pgpapa-cancel. The 2nd time I went there ngsma na ako ng ka-opismate ko pra may back-up ako. Sana favorable ang result ng incident report na gagawin ni Ms Maricel Dela Cruz.
wag ka epal glen! alis dyna! haha!
hi po.. ako po kumuha insurance sa kanila.. and kahulog na po ako ng isang bwan. pls help din po if scammers cla.. sm megamall po located near po sa house namin. gusto ko lang po makuha ang buong pera ko. thanks. pls help mo po.
isa rin ako sa mga victim ng scam na yan.. pinacancel ko na kaso 30-45 working days pa daw.. gusto ko na ipacancel ngayon.. help me pls..
@vigilantcitizen ngaun plang po aq pupunta sa sm north, wala aqng sked sa knila pero try q po magpacancel update kita sa mangyayari maya…
hayssss…mag 30 days na mula nun nacancel ung saken peo till now wala pa rin chargeback
how can we ask for a refund if we used our debit card… thanks. pls help
Hi everyone,
Kahapon nagpunta kami ng bf ko sa SM north..i’m from Taguig..muntik na kaming mascam din..buti na lang ayaw ng bf ko na ibigay ung creditcard ko..
Hindi ba alam ng SM na scammer ung nagrerent sa kanila??grabe!gusto nya pa akong kunan ng 24K sa cc ko..
ingat ingat po sa lahat…
isa rin ako sa nabiktima nila here at sm cebu last friday, june 2, 2010, grabe ang galing ng sales agent nila… nakakuha sila ng 9,835 sa CC ko. kahapon pinuntahan ko at nagpacancel ako ng policy at oki naman yung approach nila, kaya lang pinahintay pa ako ng mga dalawang oras bago ko nakuha ang soa na may “cancelled from inception”. sabi ng cust. service rep nila 30 to 45 days daw bago machargeback yung na deduct sa cc ko… totoo kaya sinabi nila? meron na ba sa inyu dito na nakuha yung amount na kinuha nila sa cc? ilang days sa nyu????
GRAAAAABBBEEEEHHHHHH!!!!! kanina after church i went to the nearest mall with the yaya’s and my baby when a decent looking man approached and asked me if i have credit cards or ATMs at bibigyan nya ako ng regalo, sabi ko nman oo tapos explain nya skn na meron daw laro at i can win a car or $10,000! dinala nya kami sa office nila which is mejo maypagka layo ng konti sa kung san kami (take note wala pa kaming lunch) pumayag narin ako kc sabi nya mamaya nlng daw mag lunch kc 45 mins lng daw to at meron shuttle maghahatid smin don and kilala ko yung driver. akala ko 45 mins lng e umabot na ng 3pm hindi pa kmi tapos and pinipilit kaming bumayad ng money sabi ko nman d pwedeng bukas kc pagiisipan ko pa at ng asawa ko pero binigay ko yung card dahil sa pagpupumilit (alam ko nman maliit lng yung available bal kaya ko binigay kc mejo din ako interisado sa savings nila para sa baby ko) na swipe nila yung card ko pero decline nman. nag txt ako sa asawa ko an bka gusto mo kc ako hindi pero kung gusto mo ok lng para sa baby. tinanong skn ng asawa ko kung ano yung company e google nya agad, SCAM raw! sabi ko nlng na aalis na ako kc hindi nyo nman tinupad yung sinabo nyo na 45 mins e gutom na gutom na kami. buti nlng walang nakuha skn na pera but nakuha nila ang cc info ko so pag uwi k ng bahya tinawagan k agad ang citibank at nagpa replace ng bago at nahanap ko itong site nato. thank you! THIS HAPPENED TODAY! — paglabas pala namin ng office nila e meron na nanay na nagsisigawan don dahil na charge cla ng 22k sa cc nila.
hi! just read the blog abt. prudential life insurance. It’s been a year that i’m paying my monthly premium to them..i’m in dubai right now so i will just let my brother process the cancellation. The thing is…i don’t know if how much of the total amount i already paid will be given back to me. I read one comment that out of 63000 she paid only 13000 she refunded and that’s too much. MAGNANAKAW TLGA SILA!!!
Now, i really need your help guys…what will i do then???
just got cornered the other day by these people at sm southmall. kala ko nanalo lng ako prize, yun pala bebentahan lng ako ng insurance. magaling sila mambola. nakakairita yung strategy nila to get clients. legal ba yun?
pinipilit pa nila ako na ibigay yung credit card ko para i-check kung qualified ako. buti na lang di ko binigay. medyo nainis pa sa akin yung agent nung sinabi ko na kailangan ko na umalis. sabi nila 45 mins lang pero almost 1 hr na ko dun sa offcie nila. di na nakangiti yung agent nung binigay sa akin yung free gift ko…..hahaha
thanks god may result naman ung pagpunta q ng sat sa sm north kahit inabot pa kmi ng 2 hrs and half para lang mag pacancel at dami pang mga mga paikot ikot na tanong ang ginawa at take note 4 na tao pinakausap sakin buti nalang nagpasama aq sa boss q na nagpanggap na tito q hay…wait aq 30-45days para ma chargeback….
hi sw33t_maria.. thanks 4 ur message.. haist di ko pa din na papa cancel sa phil.prudential..na rcv ko n nga billing ko from bdo. di ko alam ang gagawin ko sobrang bz din kc sa work!..haist!
i joined also jan sa pplic .. but unlike sainyo di ako naloko kc before i join and pumayag sa game nila and the 45 mins. marami muna akong objections.. hinanapan ako ng credit card pero wala naman nakuha .. and i read the flyers first .. then kung anu yung sinabi nilang mechanics na no obligations .. ay totoo naman..but i stayed there for almost 3 hours ..but they never forced me to buy and im sticked with that naman kc na di tlaga ako mg.pupurchase .. and i dont know bakit ngkaganun ang situation sa inyo .. guys advise lang dapat bago kc mg join sa ganyang promo be alert and maging matalino .. ako hindi naging dupe .. coz ngstick ako na i have no obligation to purchase their products .. ganun lng kc yun .. mag-ingat ..wag maging dupe ..
hoy glen wag epal… papansin ka lang…
Sabog ata tong si gem e, first words nya “i joined also jan sa pplic” tpos ndi pla ng-purchase?! whatta…epal lang? You’re barking up the wrong tree! this blog is not for you and you’re kind.
@529.. hehehe… i told u b4 na magpapacancel ka rin.. buti nlng na ENLIGHTEN ka na.. kc b4 u insist na mganda ung PPLIC, but now nagpacancel kna.. ok yan.. live up with our decision. THUMB’S DOWN to PPLIC!!!
kha—–no prob…buti naman kht pano may tulong..hehehe
529—–loka ka mgpapacancel ka rin pla??pano na cancel mo pa rin ba?kc db 15 days lagpas un sau??
hayssss ung saken…mag 30 days na sa july 10 en till now wala pa rin chargebak..nuh ba yan…npapagod na ko….anu ba ggwin ko??talga bang mgwwait na lang talga ko ng 30 days…huhuhu…un iba bang nakakuha ganun ba talga aabutin nun…
Hi guys,
I am an OFW here in Dubai and I got my PPLIC endowment plan nung May 2009 with DP of 48,000 pesos and already paid 4,600 pesos for a year. My family and I will be going on vacation sa Pinas sa October, I want to terminate my endowment plan with them kc mabigat na rin ung monthly na 4,600 pesos since my anak kming nagaaral d2 s Dubai and natatakot na ko na nagiipon kmi para sa wala. Please help me how to cancel my account and refund the amount worth over 100k now. Thank you.
@ Honest and Seet_Maria, oo nga e natuloy pa rin ako ng pagpacancel nung first attempt ko ksi kala ko after nun makakampante na ako pg ituloy ko na lng pero ndi pa rin pla kya before my 15th day of the policy ng-email ako lhat ng pdeng ma-email sa PPLIC. After 3 days of sending them email may tumawag sa akin na tga-main at sinet ako ng conference sa SM North Annex
Dun sa conference ndi nila agad agad kinancel nakarating na raw ksi sa main at ang main daw ang mgdedecide?! (tama ba un?) kya ggwan daw muna nila ng incident report at bgyan nila ako ng result within 10days. So ngaun ung 10th day at nghihintay ako sa update nila kung wala… well I’m thinking of bringing out this issue to the media or to anyone na sa tingin ko makakatulong. Si Ms. Maricel dela Cruz ang humarap sa akin sa conference at ung branch manager (Dante?) si Ken Alatraca (agent) at ung manager nya na si Algier Companero. Grabe, marakadong-markado na mukha nila sa akin.
@529 ah ganun ba… gudluck! at gudluck din sa mga magpapacancel.. hope u’ll get ur refund na rin.
529—-hay naku yan din bwisit na agent na yan ang nanloko saken..sarap nga sapakin nian eh..wala nga nsabi yan dun sa confe namin..kaya nun tym n ngconfe kmi binigay na agad nila un kelngan ko na cancellation ang prob ko is untill now wala pa rin ako nkukuha chargebak..bwisit talga….
……529—-hay naku yan din bwisit na agent na yan ang nanloko saken..sarap nga sapakin nian eh..wala nga nsabi yan dun sa confe namin..kaya nun tym n ngconfe kmi binigay na agad nila un kelngan ko na cancellation ang prob ko is untill now wala pa rin ako nkukuha chargebak..bwisit talga….
hi guys, nagpunta ako kahapon sa pplic sa raffle tower nila para i pasa ung letter of cancellation ko, ang humarap sakin ung sales manger na si “edwin pilit”, dinaan ako sa lakas ng bosese at dini deny na ang mga sinabi nila ng sales agent na si bobby garcia. Ang sabi kc ni bobby anytime pwede mag cancel tpos sabi ni edwin pilit hindi ko na daw pede i cancel at babayran ko pa din ung binawas sa credit card ko.. sabi ko kung ngayon p lang magulo na kayo kausap what if sa mga susunod na taon.. ayun natahimik sya at sinabi hindi nmn dapat sya ang haharap at kakausap sakin, theni ask him kung pede ko ba makusap ang manager, ang kumausap sakin customer service rep si may ann fernando, ni received nmn ung letter ko at ipapasa daw nila sa main office, sabi ko kc kung hindi nyo i aaccept ang cancellation letter ko i go to ur main office ayun nataranta at sabi sila n daw magpapasa sa main office, i update n lang nila ko sa outcome 30-45days max daw!. now i will send my dispute letter to BDO, sana nga tuloy tuloy na to at hindi na mag charge sa cc ko… haist
god bless them!.
hi guys,, i’m on the way na sana sa main office. tuwag c jeffrey eoncey, sabi nia d na pwede i cancel dahil w/ in the year pa lang. wala daw akong makuhang refund,, nireffer ako sa sm megamall.. anong gagawin ko guys… naiyak nako lang makukuwa. mga more than 10k ang nabigay ko. pls help me guys
ann, kunwari lang yan sila na hindi pwede i cancel..
Just got my SOA with status “Cancelled upon Inception” from SM North (takas from lunchbreak). Guys, be sure na makuha ninyo to from PPLIC kasi ito ang ipapa-fax sa inyo ng CC company nyo together w/ your dispute letter to get your money/chargeback. Hope this helps
bkit ganun, tinawagan ako ulit ako ng CSR tpos i ka cancel daw pero need ko p din bayaran.. case to case daw kung ma aapprove na di na ko maghuhulog or babayran ko pa din. Ang epal nila, hindi masagot ung tanong ko, pinagpapasapasahan pa.. nakakainis na!.. ano ba dapat kung gawin
Thanks God …. They were not able to convinced me. I was almost a victim yesterday in SM Megamall spending more than 2 hours with their representatives. I was very upset coz its almost 10 pm when they finished my interview. It seems they are trying to convince inspite of so many questions I ask and to have the complete documents to be given to me to see and for review, but they are playing on me saying that the documents are confidential and they cannot handle to me unless my credit cards will be checked on their machine in the separate room. So at this instance they cannot show their policy, I managed to say Im not interested and I want to go home now inspite of they were still convincing me.
For all of you guys, be careful to scam like this…JUST MAKE SURE WHEN YOU ARE ENTERING IN AN AGREEMENT OR A CONTRACT WHERE IN YOU WILL SIGN DOCUMENTS…ALWAYS ASK FOR COPY OR DRAFT OF CONTRACT, TAKE IT WITH YOU FOR 1 OR MORE DAYS WITH YOU TO REVIEW AND CONSULT TO YOUR FAMILY, RELATIVE OR FRIENDS BEFORE YOU SIGN IT AND ENTER INTO A CONTRACT. So make this a habbit. Never sign a contract immediately without reviewing it….
Nakakuha rin ako ng policy sa kanila but nagpacancel na rin ako ng policy. After ko magpacancel saka ko nakita tong blogsite na to. Nagpacancel ako kasi after I think about it hindi ko pa naman xa kailangan. Although my point naman sila na we need to prepare for our future. But I believe it depends on personal need. And I, myself thought na hindi ko pa siya need. But yeah, its good to think about our future, what might happen to us. So its good have fallback na rin if your going to cancel youir policy atleast meron kayong reserve na pang emergency na rin. If wala then consider the offer. I can considered what happened to me as a good experience, uhm maybe atleast I was able to bump into this kind of insurance world.
If you have question just go their office and ask for the customer service. Approachable naman customer service unlike other company.
hindi yan totoo
i do experience the same just recently. i wrote the issuer bank of my credit card and the bank advised me to write a dispute letter. if the amount transferred from your credit card to their account, maybe do the same to the insurer of your card. just narrate your story. my experience with them is crazy. why said that it cannot be refunded anymore since they have 15 day grace period before you finalize your decision. it is in the policy of the insurance commission.
maybe we can submit our story to the insurance commission. my question is, why they are afraid to refund us if not to cancel if the company is stable. why deny that they dont have that 15 day grace period well in fact, all insurance company have that policy. but on the side, im wondering why until now they are still doing the scheme knowing that there are lots of complains filed in their office. whats behind this mess.
oh no.now my knees are shaking.i thought at first im already secured but after reading all these,im not so sure anymore. i was innocently dragged to ppl office last Nov. 2009 and forced to sign up an endowment plan.sabi nila testing lng dw if maaprove ako pero pagswipe ng card ko i was already charged 20k.and monthly im paying the plan.i want to cancell it too.pls help.
is it possible to refund the whole amount even if its way past the grace period? i signed up last nov 2009 and ive been paying them for 4 months now.
pls help me what to do ..here is my email add : flox_ncfi_ilo@yahoo.com..if you could give me a sample of the cancellation letter and if there is some more forms or letter needed to make..ill appreciate it very much.ty!
i have a frnd who was invited with PPLIC but … kadalasan sa mga kuwento dito puro negative naman.. my frnd enjoy his benefits naman ok sa kanya ung nag savings pa xa tapus may insurance pa xa…. sori sa matatamaan but i dont think we should put the blame to PPLIC coz at first tayo at tayo din naman masusunod sa ating mga desisyon…. kung nag bigay ka ng credit card sa kanila, bakit mu naman ibinigay? may rights tayo kaya kasalanan nyo kung bakit kauo na approve sa credit card nyo… mind this insurance is a gud thing to protect our life ,,,, ask ko sa inyo nawala ba ang pera nyo? eh nandyan lang yan pina pangalagaan na sesecure ung life ng bawat tao..
if you have no experience directly with PPLIC, then your comment is just taking up space. either di mo alam ang sinasabi mo, or employee ka ng PPLIC
@dane cerna
don’t talk as if you know everything…wala ka sa sitwasyon namin nung mga pagkakaton na yun kaya HINDI MO alam ang mga pangyayari. You didn’t know how we resist para wag i-swipe ang card… but they insist na -try lang daw…at kung may MARIRINIG ka PANG KWENTO NA ANG SABI NUNG AGENT DUN SA ISANG NABIKTIMA NILA… e NEXT MONTH PA NAMAN MALALAMAN NG ATE MO(actually, supplementary holder lang sya ng ATE nya)…at kung paano sya pinaligiran ng tatlo gang apat na tao gang sa pumayag kang pirmahan yung receipt.. at sa kagustuhan mo ng umalis dahil nagugutom, o nahihilo o dahil sobrang lalim na ng gabi… at sa mahihina ang mga loob.. how would u not take some time to consider na HINDI LAHAT NG TAO AY KATULAD MONG WALANG PAKIALAM. Maybe u are just some person from PPLIC. AND tell me kung panong hindi nawala ang pera? with the status of all insurance firm now… we can’t be anymore sure lalo na at nagconfirm ang isang employee nila na DATI SILANG DANVIL PLANS… at pwedeng anytime na sabhin nilang magsasara sila or ibebenta ang company! at sa ngayon, do you think hindi nawala na lang basta ang pera namin…? hah? it was like na hinoldap kami. just take an example of lady val! at hindi lang sa kanya kundi marami sa min… bago ka magsalita, JUST TAKE TIME TO CONSIDER NA HINDI LAHAT NG TAO AY KASING TIGAS NG PERSONALIDAD MO. AT kung TAGA PPLIC ka… HINDI LAHAT AY KASING KAKAPAL NG MUKHA NYO! PARE PAREHO TAYONG NAGPAPAKAHIRAP PARA MABUHAY… SANA KUNG GUSTO NYO TALAGANG MAGTRABAHO WAG KAYO SA PPLIC MAGTRABAHO KUNG HINDI NYO GUSTONG MANLOKO NG TAO…
@GLEN… all i know ay nagtiwala ako… KABOBOHAN ba yun? masama ba ang magtiwala? AND I WANT YOU TO KNOW NA MAS MASAMA ANG MANLOKO… AT MANGHUSGA AGAD.
“Don’t compare your life with others, you have different paths to take… and you don’t know how rough the other road is….”
just been to sm north edsa yesterday and nadali ako nitong scam na to. bukas punta ako sa main nila para magpacancel if anyone wants to come reach me thru this no. 09223688717
hay malaking abala talaga sa halip na sa bahay na lang ako at nagpapahinga kailangan ko pa ngayung pumunta sa office nila para magpacancel
Dumating na ung SCAMMERS este PPLIC dito sa Cagayan de Oro City. Their posting at LIMKETKAI. I almost a victim last night buti nalang na isip ko na ako lang mag isa and papuntahin ako nila sa new building of Ketkai, that was infront of MUST (Don Mariano). Sumagi sa isip ko what if holdap na pala yon thats why hindi ako sumama. I immediately surf the net if PPLIC was legitimate… and BANG!!! it’s a SCAM pala. Thanks GOD at He protected me. Love you Lord. Guys if you want to invest your money, why not buy a parcel of land or house and lot. That’s what I learned from my friend when one of my boardmate pa ha convince me to invest money on LEGACY PLAN which is also a SCAM.
hello po, share ko lang yung experience ko kanina. Kakadating ko lang po sa bahay inabot ako ng 10 pm dun sa office nila sa sm north, dun sa may annex. Talagang namimilit sila kinukulit nila ako na pahiram ko daw sakanila yung cc ko para daw ma verify. Buti nalang hindi ko binigay naisip ko kasi pag i veverify naman ang cc usually ang hinihingi ay id diba para makita kung perehas para ma prove na sa iyo talaga yung cc. At hindi rin naman talaga ako interested sa ganung plan as of now, wala pa akong pang ganun kaka bayad ko lang ng tuition ng anak ko. Pero nakikita ko din naman point nila sa savings cguro pag medyo maluwag na yung budget ko haha. Sa tingin ko po legal naman yung companya nila. kasi kasali naman sila sa insurance comision eh, cguro lang hindi nila ma control yung mga sales agents nila. Ang dami kasi nila eh dba? Ipunin po kaya natin yung mga names nang nagsasabi na TRY lang daw nila yung cc natin. Para mareport natin sa main office ng PPLIC hahaha para mawala sa trabaho yung mga gago na yun, tingin ko naman walang company na maggaganun sa customers eh, tingin ko mga gago lang talaga yung sales agents. Ipunin kaya natin pangalan nila at kung saang branch pa tanggal natin sila sa trabaho, manloloko naman yung mga yan eh “try” daw pero hindi naman. PEACE. Kung gusto niyo po ipunin natin names nila email niyo po sakin yung branch at name nung sales agent na nanloko sa inyo kapag naaalala niyo pa para makabawi tayo
) eto nga po pala email add ko jpanlilio90@yahoo.com
‘sweet’ pa napili mong codename ang ‘pakla’ naman ng mga words mo, ndi bagay
We don’t blame anyone we’re just questioning the way they sell/introduce the insurance thing ‘parang gulpi de gulat e’. Sabi ko nga during the conference, kung nung umpisa pa lng sinabi na nung bakla na humarang sa akin na bebentahan nya ako ng insurance e tinakbuhan ko na xa. Ang sabi nya kasi e mglalaro lng ako at mgpapakilala lng daw ang company nilang ‘BAGO’+'DAW’ wherein ndi pa nya sinabi na insurance company pla… gets mo?
sweet (IP Address 122.52.153.31) has been traced to a PLDT line in estela, leyte. probably an employee of PPLIC there. worry not, she is blocked from commenting.
DANE…wag ka nga ume epal epal jan..eh salita ka ng salita d mu naman alam kng anung dinanas namin..tsk…try mu kaya maranasan para naman malaman muh kng ano yan mga cnsabi muh…tsk….
……anu ba yan 32 days na ang nkalipas mula ng na cancel un account ko…kamustah naman hanggang ngaun ala pa rin…yan ba ung hindi manloloko…eh kang talgang may pera at secure un pera nun mga tao sa company nila bat till now d pa rin mbigay bgay un pera db…parang hirap na hirap cla ibigay….un na lang ang pagisipan lalo na nun mga nghuhulog pa rin….tskkkkk…..bka naman un pera eh secure sa bulsa ng iba….kaya cgro ganun kagagarbo ang mga agent dun…biruin mu ung nkausap kong agent ang cc card nia BDO GOLD..na ang limit ay 150k…eh mgkakaraoon ka lang namn ng ganung cc card sa bdo f ang pera mo ay mga half million cgro…imagine kng ganu cla kalakas kumita..kaya ganun na lang cla kalakas manloko…hayyyyyyyyyyy….kkbwisit talga…
littlemomma kagaya tayo ng experience. kahapon ko lng to naexperience. Sa sm north naman to nangyari. At first, I’m interested, but as the time goes by, iba na ang nangyayari. Mantakin mo ba namang di ako irelease, I been talking to the sales rep, for almost 3 hours and nong hindi na ako mahikayat ng sales rep, pinuntahan naman ako ng manager, sinabi pa niang psychologist siya at nakikita niang hindi ako interesado. Mabuti naman at alam nia, after the manager, isang girl na manager na naman, ganun pa rin ang sinasabi, talagang nakakawala ng gana. At that time, wala pa kming kain ng pinsan ko. Mabuti nalng at di ako naniwala sa kanila. Thanks God!
To those guys who got their refund, kindly help those other people on how to get the refund.
Sana mabasa to ng ibang tao, to have some information about that PPLIC.
guys im from iloilo city, so what can i do is call PPL main office regarding cancellation and i wasnt able to stop my tears from falling when the agent said i cant avail any refund if i cancell now.(as per my previous post,ive availed the insurance just last nov. 2009.)the agent advised me that if i want to avail refund i must continue for 1 year.meaning til nov. this yr.what i will get is only P7,***.** .guys do the math.nov is 5 mos away.if i continue paying them for 5 mos it will take more than P8,***.** just to get the damn P7,***.**..are they stupid or something? tomorrow after office im gonna cancell this shitty policy insurance. they can have the money but im not giving anymore. this is the worst thing that ever happened to me.im cursing PPL and all its employees to hell!
im from iloilo city, so what else can i do but call PPL’s main office.i wasnt able to stop my tears from falling when the agent said i cant avail any refund.(as ive mentioned from my previous post, i signed up to them last nov. 2009) the agent’s advise is to continue paying til my policy is one yr and ill be able to get a cash value worth P7,***.**.do the math guys,nov is 5 mos from now.for 5 mos more ill be paying them P8,***.** just to get the damned P7,***.**.are they stupid or something? after office tomorrow ill go to their sm ct office here in iloilo for cancellation.they can have my money but im not paying for more.this is the worst yet that ever happened to me.im cursing PPL and all its employees. may they rot in hell!
Papano yung iba ko ng nbayad.’thank you’ nlng yun.we are really deceived.well i admit i have my fault for being so amiable.why is it that there is kind of people?taking advantage of the goodness of others.
hi to all ,,,, im one of the custumers na nainvite nila at first di ako pumayag but un nga na swipe ung card ko… di naman ako nag sisi kung nag kaganun man un …. wag naman kayo puru negative… alam nyo ba na ung companya ay lesenxado ng insurance commission at kung may reklamo tayo dun tayo pupunta… ung nabasa ko dito ung iba napilitan lang yahhh marketing nila un kung di ka papayag wala naman silang magagawa… ikaw ang may gusto nyan na makaltas sa cridetcard mo… di nyo ba alam na kapag di nyo penirmahan ung resebo void un so walang besa…..
magalit na kayo sa akin pero kasalanan nyo rin kung bakit kayo pumayag….. ung sa akin naman 5 years ko lang ung babayaran sa kaya ko….. dapat open minded kayo dun wag basta basta mag padalus dalus….. di nyo alam na my pag kakamali din kayo…. so plz lang wag puro negative ung mag pinag sasabi nyo… ako plan holder na ako ng PPLIc but ok lang naman ako ryt now im paying directly to the bank… 1 year lang nila inaprove na sa credit card ko gamitin ung payment…. Alam nyo guys marketing nila un same ng mga nag nenegusyo. kung tayo ayaw natin kahit upoan man tayo ng nga head nila kung ayaw natin wala naman silang mahiita sa atin diba… learn from ur mistakes guys…
hay nako etong dalawang ito namely aldana & rob…you were paid for that man!!!. kayo ang bobo bat mo sasabihin na pag hindi mo pinirmahan walang mangyayari. Swenipe nga at naaprove (tingnan mo yong screen nang machine pag approve)that means approve na siya beside i have experience that signature is not needed in using cc especially in the internet transactions. manloloko…scammer beware. sana maguyo din kayo ng malaki para maexperience nyo ung pinagsakloban ng langit at lupa mga manloloko……
@ rob…bat kaya u really know the history of SCAMMERS? are u one of them? hehehe
mga filipinos gago daw tayo? papayag ba tayong tawagin na “stupid dumb filipinos”. laban mga kapatid
mga filipinos gago daw tayo dahil nagpapaloko tayo. papayag ba tayo na tawagin “stupid dumb ass filipinos”?
ROB—–hoy ikaw ang tanga kung talgang may pondo cla eh d dapat naibibigay nila agad ung mga charged bak..!!!!kung gano sila kadaling manguha ng pera ganun naman kahirap isauli…
eepal epal ka pa jan…isipin mu na lang kng talgang may pondo pa cla eh bakit desperado sila na makakuha ng client..ungas toh…..tskkk….kainis…..
guys alam nio ba ang phone number ng PPL main branch nila sa ortigas…
@ flox – try to email/contact first insurance commission and ask for their assistance.. pubassist@insurance.gov.ph tel#: (632)523-8461 – 70 loc 127/130 or (632) 404 – 1758.. read my comments posted here.baka makatulong. just be patient.. huwag mo hayaan na un lang mkukuha mo.. pera mo un..goodluck
this rob thomas character is an employee of PPLIC. he used the internet service of their office. i have his IP address and have banned him from this site.
until now nag pa followed up pa din ako ng cancellation ko and dumiretso na ko sa main office but through phone lang, nag faxed ako ng complain letter kc wala pa daw sila natatanggap na letter from their raffle tower paano nka leave ung nag ha-handle ng claim ko.. tpos sabi pa non refundable daw tlga, guys, totoo b un?
keep recieving text until now… the number is 09172578558 and the landline is 7551532…office number nila….why are they still operational? can we report to DTI.
Ms. Kyle Fernandez from Philippine Prudential was the contact…
i kind of googled the company and was glad i found this web entry to warn me…
@aldana fernandez.. kung totoo mang may account ka sa PPLIC at di ka nagsisisi.. good for you…and thanks advice mo.. YES! we will going to learn from this lesson FOR SURE… na hindi kami agad agad na dapat magtiwala. SANA IKAW DIN! who knows..baka biglang mawala ang PPLIC dahil binalikan sila ng karma.. mawala din ng hinulugan mo for many years.. IKAW RIN!parang danvil??? biglang nawala… pero.. nagpalit lang pala ng pangalan…
sabi nga sa iba’t ibang blog na nabasa ko about DANVIL, FAMILY FIRST and PPLIC… to quote form a blogger “they are taking advantage of the person’s natural nobility, and manipulating emotions.. though the company is legal… but i’ts not ethical to deceive their potential client…!
update lang… after our conference last June.. they asked me to wait for 10 working days for the decision and they will give feed back through telephone communication. But until now, I haven’t heard any word from them..I am afraid that I have the same result as Marie’s. They denied Marie’s refund in any case of cancellation of the policy.
update lang po just been to their office last sunday nagpacancel ako agad after 24 hours ako maloko di kasi ako nakatulog sa kakaisip, saglit lang naman ako naghintay para sa SOA, 30 to 45 days daw ung chargeback. Sa mga magpapacancel mas maganda po kung personal kayo pupunta sa branch kung saan tayo naloko, para ibigay ung letter of cancellation and be sure po na ilagay ung reason kung bakit ikakancel,dont be afraid of them kahit madami sila kasi sila yung may mali.
GIE—-db bdo ka rin???bakit ganun ung akin lampas na 30 days ala pa rin chargebak at adjustment sa account ko…pano ba pd ko gwin…
PAL===tnx
Hey guys ako man, i made a wrong decision nang makumbinsi nila akong kumuha ng policy sa kanila nang ganung kabilis last march. naibalik naman ang pera ko na mahigit na 20k sa credit card ko kaya lang it takes 1 month bago naibalik ang pera. ang sabi nila ay 30-45 days ang processing bago mabalik ang pera, anyway ang importante don nabalik na ang pera ko and i learned my lesson… gawa lang po kayo ng cancellation letter. this is the format:
ATTN: CUSTOMER POLICY
Phil Prudential Life Insurance Company
Suites 305-308, 3rd Floor,
AIC, Burgundy Empire Tower,
ADB Ave. Cor, Sapphire and Garnet Road
Origas Center, Pasig City
RE: Cancelation On Insurance Policy #________
To Whom It may Concern,
Please Take this letter as a formal request for the cancellation of my insurance policy and a full refund of ________(Php amount in number)that has been charge to my ________(name of card) by your company. May i also request the written confirmation of this cancellation and a copy of my Statement of Account (SOA) with marked CANCELLED.
Thank you very much.
Respectfully yours,
iparecieved nyo po at itago nyo ang recieving copy, follow up na lang kayo sa phone na ibibigay nila. kukunin po nila ang lahat ng documents na binigay nila iparecieved din sa kanila at keep the recieving copy para may protekyon ka incase na magkaproblema. Advised kolang po na try to control your temper & emotion and be firm to your decision kasi lahat gagawin nila para makumbinse kang di ituloy ang cancelation, andyang mag offer sila ng mas mababang policy at kung ano-anu pa, maayos naman sila kausap wag nyo lang unahan ng galit. Well guys, sana makatulong itong post nato sa inyong lahat. update nyo nalang ako sa mga pangyayari. Godbless.
@flox.. meron nga d2 na refund khit nung october pa cla nag-avail last yr, read this blog, maraming mkukuha info d2. dont loss hope bka may pag-asa pa yan..
haay, salamat at naisipan kong magresearch sa internet. Ive been sleepless for 2 days. I have the gut feeling talaga that something there was something wrong. at least i already have an idea on how to have my plan cancelled.
Haaay! salamat talaga i found this website. I love you Arpee!!!
i also experienced PPLIC here in SM Cebu, agents are so assertive & makulit, beware of them. had my cancellation done today, they have lots of excuses to delay ur cancellation. Hope ok na lahat, just wait for 30-45 days
guys, negative ang result ng cancellation ko. all i will refund is ung cash value for the corresponding year…BAKIT GANON?ano ba nagiging batayan nila to grant the cancellation for full refund??
bakit ung sa iba is they all cancelled the plan.. pero yung sa min hindi marerefund? can anyone here who still hv pending cancelation of their policy?
i hope we could help each other.
Kakagaling ko lang sa PPL. Ang dami kumausap sa akin, dami excuses. Pwede daw macancel pero di pwede refund. D ako pumayag bahala na magkainitan ng ulo. Haay naku! that was a bad experience talaga. In the end binalik nila lahat ng issued checks ko. Pero un na negotiate na, refund na lang daw 30-45 days.
Please advise me!!! I am OFW na nagbakasyon sa Pinas. To make the story short. Napilit nila (PPLIC) ako na kumuha sa endowment nila. Initial deposit PhP 57,000+, monthly
PhP 4,600+. Kinuha nila sa CC ko June 27, 2010. I want to get my money back and cancel my policy kasi I need it for my Lolo’s cancer therapy. What would I do? Please help me!
@ sweetmaria – follow-up mo lagi sa PPLIC…
@Paul- make a letter of cancellation and go to the branch where you got to sign the policy. hwag na hawag ka pumayag na di irefund initial deposit mo. Just be firm kasi matagal na usapan pa yon. They will make all excuses to coax you not to canel the plan. They will also threaten na di na pde marefund. contact mo rin cc para ma hold un next payments. BAsahin mo iba comments dito so you will have an idea on what to do.
isa cguro sa mga bakla na kampon ng PPLIC yan si Joshua. I’ve read his blog. What a nice script. Very nice at making up stories.
right you are, jen. joshua is using a proxy server para hindi ma determine kung san sya gumagamit ng internet. so this is their stupid strategy: blogging to throw this site off the ranks. hindi talaga sila nag iisip.
@Lois>>> Thanks LOis! but the trouble i have now is andito nako sa UK.follow up ko lang nito is through fax lang at calls. mas mahihirapan nako nito.
@ PAul: I’ve read of a case here na iba pinapunta nya para magpacancel. mail mo na lang cancellation letter, then padala ka rin don sa representative mo. yong iba nga parents nila pumunta. dito ko rin nabasa yon. BAsta hwag ka pumayag na walang refund. hwag ka din matakot sa mga legal issues na ireraise nila. make sure lang na medyo matapang yon papuntahin mo kasi they’ll make all excuses para di marefund.
upon reading the posts here, i realized that the refund requested was not successful. they got almost 6000 from me. why theyre doing this. is there any possibility that the amount they debit from my account would be refunded. are all those who write a letter of dispute have the amount reversed.CAN WE EXCHANGE OUR CONTACT NUMBERS SO THAT THIS MESS WOULD END. WE WILL BE UNITED IN BRINGING THIS SCAM TO THE MEDIA. WE MUST BE UNITED. CAN WE ALL SUBMIT OUR LETTER TO THE MEDIA SO THAT OTHER PEOPLE WOULD ALSO BE WARNED AND ALARMED.
how about to write to imbestigador so that this mess will end.
@Jen >>> thanks! i don’t wanna bother my parents kasi nasa probinsya sila. tsaka i don’t want them to involve with this mess. padala ko lang yung letter ko tapos i’ll wait kung anong pagsasabihin nila. i’ll stand firm with this.
kung meron man planong i-reklamo ito. susuporta ako. grabeng tactic na madumi talaga yung mga reps nila. namimilit! bibigyan daw ako ng premyo kasi “nakaputi daw akong damit”! yun yung bumalik ako sa SM na bweset na! before ako bumalik sa labas ng bansa para magpakapagod at naloloko sa atin
but i need to be cool with this! thanks a lot! God bless us…
NOTICE!
HI THIS IS A FORMER EMPLOYEE OF PPLIC
currently assigned in cebu
true name (hidden)
JUST TO HELP YOU GUYS FOR THE PROCESS OF CANCELLATION OF YOUR PLANS AND POLICY … JUST ASK ME HOW … TERMS FOR REFUNDS AND CANCELLATION DUE WILL BE ANSWERED.. JUST ASK ME HOW… I KNOW THIS BETTER THAT WAT U KNOW…. I WILL HELP AS I CAN ON HOW TO CANCEL AND THE PROCESS U WILL DO THIS.just send your questions to my email
coma23@yahoo.com
hope by this way i could help you … i have the main access still on them for me to gather more info…
yes danvil is one of the company na bumagsak but the pplic sila ung sumalo sa company they buy it… but as of wat i have know the marketing that danvil have is not as wat we had…. binili ng companya un kasi ung mayari nalulugi na….thats all iv understand … guys just emaill ur questions ok ..
roserox
xenxa na sa grammar nag mamadali po
hi there.. hindi na talaga ako maktaulog sa pag-iisip.. I really want to refund my money as well as you do guys… Para sa iba na tinatamad ng basahin pa lahat ng comments dito… nagpunta na kami ng personal sa PPLIC..to cancel our policy… humingi na rin kami ng assistance sa Insurance Commission.. nakipag conference na rin kami ULIT sa PPLIC… and the result is still negative… PWEDENG i-cancel pero walang refund..
at eto pa ang malupit… HINDI KAMI TINATAWAGAN NUNG CONTACT PERSON NA SI EROJEAN(?)(kami ang tumawag at sandamakmak na load ang nagastos namin waiting for her kase may client daw na kausap… pero hindi pa rin namin sya nakausap isang employee din lang ang nagsabi na wala ngang refund) … at ang sabi HINDI DAW KAMI MAKONTAK.. HUH? Hello???? HINDI ako nagpapatay ng cp ko.. at malakas ang signal sa bahay kahit sa opisina… GRABE talaga.. we were thinking na delaying tactics nila para maglapse yung 31 grace period na hindi kami nakakabayad ng monthly due to automatically forfeit all the proceeds.! ano daw yun??
Guys, i’d been thinking this for the past few days… parang useless yung hininging assistance sa IC.. as of legal matters.. kung dadalhin sa korte.. we will spend money na pwede lang din pahabain ng PPLIC, for sure they could afford the best lawyers… so the best is media exposure.. pero syempre not for big media companies (kase syempre interes lang din ng higher management nila ang masusunod).. dun lang tayo sa hindi mahal pero PATOK! IF you really want to stop this.. I have a friend who would help.. Gusto lang nya ay makalap ko lahat ng gustong magreklamo about this company! If you really want contact me and marie. Raise your hand!
GIE–kanino ko ba iffolow up..kc panay follow up na ko sa sm north wala naman nangyayari…huhuh
@katt
paano kami magraise ng hands??? hehhehe
@ sa lahat ng mga nagrereklamo
tama si katt we need to help each other para makabuo ng mlakas na pwersa at ng mapatumba natin ang KAWATAN NA COMPANY na ito!!! (NAks….as if mapapatumba natin..)Hehehe para maexpose lang ang mga ginagawa nilang di maganda.
kung sino ang gusto makipagtulungan please magblog lang po kau para magawan natin ng paraan ang lahat! MEDIA lang ang pwede natin malapitan sa ngayon
Pero kung meron sa inyo may alam kung paano natin makontak si PNOY mas mabuti dahil galit si PNOY sa mga corrupt na katulad ng company na ito…
KARAPATAN NATIN NA MABAWI ANBG PERA NATIN!!!!
hi guys,,
nagtry ako magcancel ganon din sa akin d pwd makuha ang pera ko… kakastart ko lang start ako march. and then nag try ano main office same din. gusto akong sama sa inyo to do something sa mga taong wlang isang salita. you can contact me sa email ko po. clarck12003@yahoo.com, sana makuha naman natin ang pera, need talga namin. pera ko pero ako pang nakiusap huh…may araw din cla. 2lungan tau
thanks
Sa lahat ng gusto magpacancel;
tama nga cguro na hindi natin marerefund ng buo if magpapacancel tayo. May mg
ITO AY ANG PAGKAKAINTINDI KO LANG : Sa pagbabasa ko ng policy nila, WALA naman nakalagay dun na hindi tayo pwede magcancel. Actually, magiging void lang ang policy natin if hindi tayo magkabayad ng premium natin at naubos ang grace period na binigay nila which is 31 days. If mangyari yun dun papasok yung nonforfeiture Value chart. Mga options yun na pwede ntin pagpilian: yung cash value, RPU at ETI. Pakibasa nyo nlang yun…hehehhe
Pwde tayo gumawa ng letter on or before 22nd of the month if yung date ng monthly premium nyo ay every 1st of the month.
@ MARY ANN
saang branch ka ba nakakuha ng policy nila???
@ sweetmaria – follow-up mo kung sinong tao kausap mo.. or call PPLIC costumer service.. sa kanila ka mg follow-up..
@ all – dpat mag set kau ng time para magmeet and to take actions… sad to hear na until now marami pa rin sila naloloko… hmmpp… goodluck guys…
nkakalungkot na tlga, pare pareho tayo ng sitwasyon.. nkakainis nmn sila..
di ba cnabi ng pplic na ka team-up nila ang malalaking bank d2 sa pilipinas, alam kaya ng mga bank na ‘to na manloloko ang pplic?..
hi. ask ko lang if someone here have an idea regarding sa pagtransact ng papers..ksi as i was reading sa mga post ninyo po mostly ay nkpaghulog na monthly or totally nkapgdown na ng mlaking halaga.. sa case ko po kahapon hndi ko din maunwaan kung anung katangahan ang ngyari skin khpon.. makikipag meet lng sana ako sa kptid ng bf ko to buy for a pc and then dun ako napunta.. at that time i was waiting for my bf’s siblings.. when this brian aubrey come at nagsabi ng kgya s kramihan dito.. in an instant bgla ako naingganyo ng mga sales talk nila na freebies n wlang ilalabas na pera.. i admit after that day all i can say is ang tanga ko nag pauto at naloko ako ng mga taong yun.. it takes more than an hour malayo sa sinsbing wla pang 45 mins.. nung sinabi na na ichechek lng daw ung cc ko if capable ako to joine yun pla nswipe na..i felt that day na super tanga ko tlga kasi i ussually dont used my cc without the knowledge of my parents..and i really dont use it unless important..it just happen that im not aware na dapat itago ang cc if sumone ask, u must keep saying no and your not interested..haay kaso ayun an nga hanggang sa nkapirma na ako at ung mga kontrata..and the health isurance for 1yr n renewable… nswipe sa card ko ay 24,160.00 before i sign tnanong ko ung nagpakilalang ken at ung isa na sabing supervisor daw.. na if i decide na itgil ko for 1yr makukuha ko ba kako lhat ng hinulog ko…puro oo ang sagot skin.. doubt ako at kinakbhan pero napasign apdin nila ako..ung kontrata, ung 2slip for insurance sa health na for 1yr.. tpos i keep asking kung sure ba sya kako na mkukuha ko for 1yr ant iniiba nya ang usapan na parang bakit hndi ko daw itutuloy.. kesa ganito at ganire… hanggang sa pinakita nya skin kung mgkanu lng ang pwede kong makuha.. sa loob ng isang taon na paghuhulog.. 7k+ yun lang.. nung nakita ko yun tlgang khit tntwgan na ko ng kptd ng bf ko..pilit kong pinapacancel ung nswipe sa card ko. and they kept asking why / bla blah.. na pra pumyag ako pero i still insist na ayoko na nga kako..pwede ko nmn daw iuwi ung papers if i want it to show muna sa parents ko. at sabi pa if parent ko daw ba may ayaw o ako..panu daw kung gusto ng parents ko.. tnapat ko na sya na ayoko na kako…at napaoo ako s knya understanding na mkkpagipon ako s knila at sa oras na kailnganin ko mkukuha ko.. pero kung naghulog ako ng 24160, tapos monthly na 1610 for 12 months ..it was almost 43480 and in 1 yr ang mkukuha ko lang ay 7k+.. sobrang unfair yun kya tlgang hndi ako pumyag hanggang sa pinakausap skin ung manger at kesyo nangongonsyensya pa ung mnger na bkit hndi daw ako mkpagdecide on my own at bkit need ko p daw sabhin s parents ko.. at bkit daw pinaabot ko pa sa nagsigned kmi sa papel nila.. hndi nmn daw kmi batang nagallaro..though ganun sinabi nya hndi padin ako nagpaconvinced i say to them that sorry but thats my decision.. tska nklgay dun sbi nung ken na pwede kong ibalik un kung hndi ko gusto sa loob ng 15days and i said un nmn pla un na nga hndi ko na kako papaabutin ng 15days i want to cancelled it now.. hanggang sa umalis ung mnger daw at bumalik at sinabi na kung ok lng daw ba khit yung 1yr daw na health isurance worth 2,295 i think..nung una prang ncoconvoince nnmn ako pero sinabi ko na hindi nlng kako cancel ko na lhat.. at yun nga it went out na bngyan nila ako ng bdo receipt na nklagay ay void… sa kakamadali ko umalis i didnt chek if the contract ive sign and evrything eh nlagyan nila ng cancel. paguwi ko ng house i face my angry mom.. i know and accept it kasi i know somehow it was my fault ndala ako sa panloloko nila.kya at 7pm dumretso kami sa bdo near our place to confirm about the transaction..as of now it was still floating pa daw.. pero nainform ko na ang bdo about what happen and na bngyan ako ng recepit galing ng pplic na nklgay void ung hlgang 24,160.. ang inaalala ko nlng ngyon ay ang monthly bill na effective on dec 1 na 1610.. dahil wla akong inuwi antyhing galing sa pplic na cancelled ung mga pinirmhan ko at wla rin akong inuwing copy nila.maliban sa nagiisang resibo ng bdo na void… hope some one can help me.. thanks
a relative of mine told me to make a cancellation letter and an authorization letter for him to be the one to deal with the pplic about the cancellation…though i have the void receipt coming from pplic im still worried because the cc hotline still dont confirm if the pplic really cancelled it or contnued it.. if that case daw na kinontinue ng pplic ifax ko lng daw s cc hotline ung receipt na bngay sakin at letter for cancelation… pero ang isa pa po sa inaalala ko ay yun monthly na nsignan ko s acontract if they cancelled it din ba..pngwa kasi ako ng letter ng pplic na kinacancel ko ung hlgang 24160..pero i dont have a copy na nrecv nila..xerox copy nun wla ako.kya i was planning na isma un sa ippkitang letter ng relative ko.. please can someone here send me idea sa ngyari skin..thanks po ng marami. sana maging maayos na tong problema natin at tumigil na sila sa panloloko. at number one rule if someone ask and offer you somthing layuan mo na takbuhan mo na… magaling sila maghypnotized…
mabuti pa ang BDO panay ang follow up sakin re sa dispute letter ko, need ko pa din ung credit memo from pplic but the problem is it’s really hard to follow up with pplic pinag papasapasahan ako, the previous csr na nag handle nka leave pa din?.. dumiretso na ko sa tmwag sa main 4 processing pa din..
i asked BDO if they are really tied up with pplic ang sabi meron daw silang contract but it doesn’t mean na tied up na sila and several case daw to na nagpapacancel ng transaction with pplic and may na closed nmn daw kaya kahit paano nbunutan ako ng tinik, need ko lang tlga ng credit of memo from pplic para ma charge back ng bdo ang nhulog ko..
Hi Claire – Same agent lang ata ung kumausap sa atin (Ken
Alatraca), you can read my posts up there! Hanggang ngaun naghihintay pa rin ako ma-charge back ung 14,010 sa cc ko.
@claire
basahin mo nalng yung mga previous na blog dito. marami na nakapagcancel ng policy lalo na yung mga 15-30 days palang ang policy mo. tama yung kamaganak mo na gumawa ka ng cancellation letter….karapatan mo rin ang magpacancel may sample na ng cancellation letter sa mga previous blog..gudluck girl!
@529: sa sm north annex ka din ba? magkanu unang nakltas sayo? napavoid mo ba sya bago ka umalis dun nung araw na nswipe card mo? at kung naiuwi mo ba yung mga papel nila..kasi ako wla akong inuwi kasi nga pinacancel ko mismo nung araw na yun ang problema nga lang i dont have any evidence na nacancel na lalo nat nakpagsign ako sa contract hndi ko nmn nkita na kinancel nila ang meron lang ako is ung nkavoid ung receipt ko na initial payment na 24,160.. so iwant to clear it up… anu ung 14,010 na nakuha sayo? haay sobrang nkakalungkot kasi para kumita sila kailangan nilang manloko..sana lang maging maayos naman ang lhat..
GRABE TALAGA naloko ako sa PRUDENTIAL LIFE INSURANCE COMPANY INC. sa CEBU CITY SM. magaling cla mag salita talaga ma convinced talaga ang tao. Wala cla awa sa tao talaga nag pay ako nang 16,800.00 with my creditcard , but i realized na para na loko ako, kaya agad nag pa cancel ako agad binigyan nila ako nang COPY OF STATEMENT OF ACCOUNT na nakalagay na CANCELLED FROM INCEPTION ( CFI), proof na cancelled na ang payment ko with in 30-45 days daw.
To all people dont avail PRUDENTIAL LIFE INSURANCE COMPANY INC. wag kayo mag pa loko, sa kanila HONDA CAR at my raffle ticket pa!!! BE WARE
@ Claire, yes SM north annex din ako. I availed tha plan June 5. My 1st attempt to cancel the plan was June 11 (wlang nangyari). My 2nd attempt was June 19 (this time I sent a letter to those emails na naka-indicate sa mga posts d2 and fortunately may nangyari na) 3 days after they called me for a conference. 10 days after the conference they said that was plan was already cancelled and asked me to surrender all the documents then they gave me a SOA stating “cancelled upon inception”. Un ung finax ko naman sa BDO with a dispute letter. Now I’m still waiting for the chargeback, based kay Ms. Maricel Dela Cruz (nag-asikaso ng cancellation ko) 30-45 days pa daw ang chargeback so that will fall around first week of August.
Mennie: kelan ka nagswipe at kelan ka nagpcncel.. ksi ung sakin on the spot after i signed i decded to cancel..so wla ako inuwi na form s knial excep sa recipt from bdo and prudential na nklgay na void..i call bdo hotline and cnabi nila na hndi nkpasok ang 24,160 na nswipe nila but still i was thinking about the monthly charges that ive sign kahit wla ako nrecv anything from them ksi nga dat day i decded na ipacancel..
@529: hi i just recently called bdo and they said na hndi na daw nkpasok ung amount na chinarge sakin.. na navoide or cancelled na daw yun kaya lng im curious about the soa na sinabi nyo at ung monthly charges
hi to all…bakit ganun..tumawag ako sa PPL at savi na chargebak na rw…peo nun tumwag naman ako sa bdo ang sabi saken wala pa cla nrrceve na chargeback…huhuhu…ganun ba talga un….
grabe yang prudential life n yan,,,naloko din ako buti n lng ksama ko moyher ko at nacancel ko kgad ..ang dami dami p nila sinabi s mother ko para makunbinsi..buti n lang alam n mama n parang scam nga un di kc siya pinapasok s loob sabi kc smin mglalaro lng daw para manalo ng honda civic…tanong ko lang ano hihingin ng banko para proof n pinacancel ko yung nswipe nila????nabigay lang skin yung statement account n nkalgay n cancelled???????please reply
@ ADMIN
sabi mo FORMER employee ng PPLIC pero CURRENTLY assigned ka sa cebu!!!! ANO BA TALAGA ANG TOTOO????
hi….. nacharge back na sa cc ko yong 21k ko
@ladyhann kelan k kinunan? kelan din ncharge back syo?
@karen – last june 20, kanina lang me tumawag sa cc bank ko at nlmn ko nacharge back n
hi marie… sm mgamall ako. pls 2lungan tau .need ko talag money ko.hintay lang ako kung ano gagawin ko..
oma23@yahoo.com. d naman makasend ng msg sa e-mail na to. pls check if correct. I’m trying to ask your help as you said na willing ka. thanks
na reverse na ung kinuha nila s cc ko n 6650. july 20 naswipe nila knina tumawag ko ndi daw kasama un s billing ko..buti n lng napacancel ko rin kgad nun khapon…my hipnotize cla khit kc ayaw mapapa oo kn lng..
hi.. i am one of the people na naloko ng philippine prudential life… i want to cancel or terminate my contract with them.. ano po ba ang dapat kong gawin.. pls help me po.. tnx
Hi All,
Muntik na din kami ma-scam ng wife ko last tuesday. While walking along the 5th floor of SM Megamall, there was a gay who approached us and asked us if we have a credit card. He told me that by just presenting it we can win a prize like a car and a cash(dollars). So we’ve decided to grab the opportunity, kotse un eh. He escorted us to the main office in mega. We were told that a presentation of the product will only last for 45minutes. hell yeah it was 3 hours. They were actually good in presentation. My wife is about to sign the contract and was about to swipe her card. She gave it to the guy, when he was about to stand up I took the card and drenched the paper(contract) with the iced tea they gave. I said infront of other people that this is a scam. I told them to search google about the company with a loud voice. I grabbed all the things we can get in the table including the wet papers and immediately went out. Then may nagsabi “Sir Hindi diyan ang Exit” I Stared at him and displayed a DIRTY FINGER right on his face. Hehe..
My wife was shocked with what I displayed. All she thought that I was about to go “AMEN” on these guys and go through with the plan.
To cut the story short..
While these guys were explaining and doing their presentations, I was just knodding my head and …
READING THE INTERNET through my CP.. “THANKS TO SM’s FREE WIFI”
I hope this will be a lesson to everyone, It’s hard to let go of a hard-earned money with these people wearing angelic faces. It’s too good to be true..
I also wish that everyone that was scammed will get their full money back.
Spread the word guys, dapat matigil na yan kagaguhan na yan..
@kamote
anong oras kayo nandon sa PPLIC megamall? sana pala natuloy ako para nakita ko kung ano expression sa mukha nilang lahat nung sinabi mo na ganon sa harap ng maraming tao…
Hindi ko na din alam kung panong gagawin ko na makuha ko ng buo ang nakuha nila sa kin.
Pwede tayong magtulungan. Sana nman marami tayo para maunpisahan na natin ang reklamo… Please! Pakisabi sa iba. At doon sa mga nabalik na ang nakuha sa kanila, sana matulungan niyo din kami…
hi..nakapag-avail din ako ng endowment savings ng PPLIC sa my SM North Annex. but base sa mga nabasa ko dito i’m planning to cancel na rin. khit weekend ba pwedeng magsubmit ng cancellation letter sa office nila? Please advice.thanks
@ ann
paano kita kontakin?
kung wala ka pang 15 days, gumawa ka na agad ng cancellation letter mo then dalhin mo sa megamall at manindigan ka na ipapacncel mo ang polic.may mga letter of cancellation na sa blog na ito kaya gawin mo na ng mas maaga po. pwede mo isend via email
to: pubassist@insurance.gov.ph, pubassist_ic@yahoo.com.ph
cc: cnorada@philprudentiallife.com gstamaria@philprudentiallife.com
or ifax mo sa IC 5221434
at sa PPLIC 6313228
goodluck girl!
Hi Arpee! bakit nakapagcomment ulit yang baklang Josh dito? I thot banned na sya? did He use a different email add?
@lyn opo kahit weekends pwede u magbigay ng cancellation letter pero dapat may kasama kang malakas ang loob na sagutin ung mga haharap sau…
he used internet from the ateneo library. banned that ip too.
hello…….. napcancel ko nga pl policy ko at narefund na sa akin yong nakuha sa cc ko pero di na me nagpunta sa office nila….. pinadala ko lang thtough lbc at nagemail me sa kanila ayon less than a month ok na
just received a text from PPL Kyle Fernandez. May exclusive rewards and privileges daw i-claim sa makati office.
neknek nila.
Hi Noel, same with me.. someone text me from PPLIC Cebu Office to get my rewards, take note I’m from Muntinlupa, actually I already get my maturity check (after 10yrs) and only PPLIC SM Magamall Office know my cp #… and from Cebu office texting me about the rewards…! I text back and ask them “Do I Need to go to Cebu just to claim my rewards” and they replied… they have PPLIC at Ortigas Raffles Building…I Google the PPLIC office, below are the result..
Main Corporate Office:
3/F Suite 305-308 AIC Burgundy Empire Tower
ADB Avenue Cor. Garnet St. and Sapphire Rd., Ortigas Center
Pasig City, Philippines..
Hhhmmmmm..Emprire Tower and Raffles Building….
Anyway…. since my check already at my personal account, I will just ignore their text messages.
To Arpee.. thanks for the blogs….
hi to all. can please let me know kung alin ang mas magandaang process para icancel ung na-avail kong policy..send email to IC or go to their office? wala kasi akong makakasama na pumunta don na malakas ang loob na humarap sa kanila..please advice asap.thanks.
Hi Lyn….
Read all the previous post here…makakatulong ito..just scroll-up the post October 23, 2009 from Rash Rashid
Goodluck
haay after 5days thinking about it..nkahinga ndin ako ng maluwag… kasi meron akong letter na cancelled na..though wla nmn ako kinuhang contract s knila dahil on the day after ko pumirma dun eh pinacancel ko na agad,…un ayaw pa nga at syang nmn daw..buti na lng nanindigan ako sa pag sabing ayoko na ituloy… kahit pinapauwi pa skin ung mga papel nila.. sabi ko hindi na nga kako..haay yesterday a friend of my sister who gave the letter na pingwa namin sa fried nyang judge.. ay naiabot nadin sa wakas sa pplic..though bakit daw need pa ng ganun eh wla nmn daw naging policy nabuo dhil nga siguro on the day ay pinacancel ko na..pero its better to be sure lalo na sa mga taong manloloko… tom i will post the letter i send to pplic… hndi ko pa nkikita ung letter ksi pupuntahan pa nmin s pinapalkad ko.. but im so happy na kasi even my family are worried to about what happen to me..this is a huge lesson to me… im glad my sister’s friend have lots of connection about this kind of situation…haay..sana wala n mahypnotized ang demons na yun hmp…
haaay. naloko din ako. tungkol pa sa future future pinagsasabi. may mga dreams dreams na pinalagay sa form. kinukuha lang pala loob mo. i should have known. para akong nahypnotize kanina. i thought hindi mangyayari to sakin pero nangyari din pala. once na andun ka na hindi ka na makaalis. everytime sasabihin mong ayaw kukunin na naman loob mo. sinabi lang nung una na parang seminar lang or something and they weren’t selling anything pero nung huli dun rin lang humantong. they also differentiated themselves sa mga pyramiding o sa mga pre-need companies pero un pa rin. scammers pa rin. beware everyone.
antanga ko!!!
skin naman, sabi nla, may icclaim daw aqong free educ. plan sa datamex daw .. ewan .. haha tas pnipilit aqong iclaim n un .. ginawan n raw ng report at kng anu anu pa .. sabi nla, no financial oblgation daw .. muka nla no! aun .. mlmang hinhintay na nla qo ngaun .. eto na .. tumatawag na .. hahahaha leche! malamang mangungulit cla sa office nito .. tsk!
Hi Guys! I need help. my mom asked me a while ago if i had purchased an insurance. sabi ko oo and nagalit cia sa akin. sabi ko bakit? may dumating daw ako na letter (which hindi nia nadala kainis!) via LBC galing sa PPlIC. sabi nia i revoke ko daw yung policy kc ganun din ang nangyari sa amiga nia. hindi nakuha ng buo ang naihulog. ang nangyari kc sakin is that this: nakareceive me ng text regarding sa may i claim daw na three gifts. yun yung insurance, yung datamex na scholarship and yung raffle. all is free and transferrable cia. to tell you the truth, wala me talaga alam dito kc d me nakikialam sa business ng sis ko. but i got curious kaya ayun. nagpunta me but not before i called them. i was able to talk to Ms. Natalie de Guzman it seems like that they got my sister’s cell number and referral daw. kaya ayun, pumunta ako sa office nila sa paseo de roxas kc malapit lang dun ang office ko ng July 20, 2010. nung anndun na ko, they asked for my id’s. e d binigay ko pati yung credit card. dun sa waiting area is may nakausap ako na mag cllaim ng insurance nia kc matured na and sabi nia sakin na nag iingat daw cia kc bka bentahan cia and he’s with his wife and kids. i wasn’t able to get his name. yung pinapasok na kami may lumapit kagad sakin na guy. c Mr. Ritchel Dakis and to tell you guys, he is a smooth talker. he explains everything to me like yung mga benefits, na hindi lang cla basta life insurance kundi sakop nila lahat like may medical whatever ka pa. sabi nia d cia sales agent pero in truth nag bebenta na cia. in fairness maganda yung benefits and may amount to 10k plus yung babayaran using the credit card. sabi ko, d ba pwdeng over the counter yan? sabi nia hindi for the first year. and monthly is 1k plus. sabi ko ok cge kc nanghinayang me. nung ipapaswipe ko na yung card, tinawag ko ulit cia. nag clarify ako na yun g buong 10k plus is i charge sa account ko. sabi nia oo. sabi ko d pwede kc yun nag half ng cc limit ko and it’s like cutting my feet off lalo na at wala pa meng cash. and i need my cc talaga. so yung pinirmahan ko is pinunit nia sa harapan ko stating na mam nakita nyo itong gnawa ko and this is with your permission. i was supposed to go na pero dinaan nya me ulit sa smooth talk and there i was pretty gullible. sabi nia yung quarterly na 5k plus na lang ang i charge if gusto kong i avail yung policy kc nga sayang daw yung code and yung benefits is every five years lang nila ginagawa. kaya hayun at bumigay me. nanghinayang ako e. nung nalaman ko yun sa mom ko nag serched me agad. actually, i didnt know about this website. so i searched for PPLIC webisite and stumbled on this. grabe kinabahn me talaga kaya into this blog, naghanap me ng mga contacts like kung panu gagawin. i’m going to process this asap kc sayang yung 5k plus. stupid me to fall into their scams. kaya kayo rin wag kayong gagaya sakin. i’ll post here again para i kwento ang mga progress ng cancellation ko once i started them.
i’m not going to be afraid because GOD is with me. he will guide believe it!
imsorry pero totoo po yung mga freebies nila. galing pa ako sa BATANGAS,like nio nkarecieve din ako ng msg.about the 3 rewards,punta naman ako agad and binigay naman sa akin lahat kahit hindi ako nagavail.gaya ng sinabi ng iba,tayo din me kasalanan kung naloko tayo.inabot mo yung card or pumirma ka man sarili mo pa rin ang magdedecisyon.khit naman lokohin ka harapan eh kung papaloko ka sinu pa rin ang ang talo?2 klase ang tao,isang manloloko at nagpapaloko!!!!
para sa akin di ko naexpirience ang sinabi niong force na pumirma at magavail…meron dito na nagpapanggap para sirain sila at mawalan ng tiwala ang ibang tao!!!kaya pag nabasa yung mga negative n comment mawalan ng gana yung iba!!!hayyyy tao nga naman!!!
@lee – wow ang swerte u nmn at d k naloko and congrats and di ka nagpapaloko…………. taga pplic ka siguro kaya ganyan ka, siguro isa ka sa manloloko kaya di naloko……….may karma din yong gingawa ng mga manloloko…
@lee – kung naloko nga kami, sino ngayon ang masama? ang nanloloko or un naloko? nagkamali lang kami, at kau ang naging masama.
@lee- oo aminado ako na nagkamali din kami pero there is no need for you to insult us.ciempre sa dami ba naman ng nag comment regarding sa ginagawa nila, d ba kami dapat kabahan? hay ewan ko sayo.
@ lee- for sure nagbasa ka ng mga naka post dito. ilang beses na ngang sinabi na totoo naman ang PPLIC at LEGAL ang operation nila. Pati ang freebies nila. TOTOO lahat yun. and NO ONE is contesting that. Ang laging sinasabi dito ay ang MARKETING STRATEGY nila ang problema! That they are taking advantage of people’s emotion.At usually ang mga taong MADALING MAGTIWALA at hindi natural na mapaghinala ang naeengganyo nila na kumuha ng insurance nila. At kung hindi ikaw yun.. maswerte ka!Pero you don’t have the right na husgasan ang mga taong nadala ng mga manloloko.NAGTIWALA lang kaya naloko… ok?
@mr sullivan engot ka pala eh kc kundi po ngkakamali ikaw po ung takusa gf hehe…elbert andrew b tlga name u???
taga ceu k nga haha….
hello guys, all insurance products have this 16-day free look window, which means na pwede talga sya i-cancel no matter what. Shame to that company (PPLIC). I’ve been talking to a representative from the insurance commission and making suggestions on how to stop their gimmicks. They are making Filipinos stupid about investing. This should stop.
guys,we have to do something about it!!!.why wait?im still waiting for my chargeback.its almost 30days but they only told me that i just wait for 14days…liar!!…lets have a big step!
haysss kainis 45 days na cmula nun nagcancel ako sabi sa PPLIC na chargebak na rw sabi naman sa BDO wala pa rin cla ntatanggap…d ko na lam ggwin ko…
GIE—–ano ba pd ko gwin tapos sabi sa BDO ako pa mgbabayad nun mga interest ganun ba un…hayssssa
@sweetmaria – follow-up mo muna ung refund.. ask mo PPLIC kung may n-forward na CREDIT MEMO sa bank mo.. Thats the only way na m-post ng bank mo ang chargeback..
Kpag na post na ang refund, make a letter address to ur bank (BDO)requesting to reverse the finance charges applied…
SCAM PROMOS ON GOING….—Grabe talaga ang mga ngayon. Pag talagang hindi ka magiging SHARP maloloko ka. Just yesterday i got a call from a certain roy lopez, telling me i won on _ _ _ _ YAMAN SA KAPUTIAN promo. At first i know that this is one of the SCAMS na usong -uso, still i decided to call the certain roy and surprisingly he has the guts to answer my call and pretend that everything is true. I asked him san nya nakuha ang number ko, when he felt that Im starting to investigate on him, he turned off his mobile…. Haaaaayyyyyyyy…….. and this morning, an even much work of evil, a ceratin MOYRA GAN told me that i was chosen as one of the winner sa PRUDENTIAL LIFE INSURANCE CO. based in MAKATI, tellig me na no CASH INVOLVE all I have to bring are # VALID ID , 1 government ID- 1 Office /company ID and 1 CREDIT CARD- Bakit??????? Sinabi ko i dont have any credit card, MOYRA told me that I will just be receiving a text from their head office on how to claim it without my CC. E loka pala sya eh, pano nya ako ma-tetext e ni hindi nga hiningi ang number ko…..MGA KAPWA KO PINOY NA MANLOLOKO>> MAY KARMA remember….
we all want na matigil ang panloloko ng company na to…pero ano ba dapat natin gawin?! marami na sa atin ang nagrereklamo pero gang dito lang blog…guys, if gusto nyo makipagtulungan email nyo ako… irishmae30@yahoo.com or si katt sa hokee07@yahoo.com …same sa inyong lahat pinoproblema pa rin namin ni katt ang cancellation at pagpaparefund.kailangan talaga namin ng tulong nyo..
they are also doing the same here in sm cebu. I almost became
a victim of their deceitful strategies…until now they keep on texting me regarding some rewards and privileges that I may enjoy…i just hope that the new administration of our government would make some laudable steps to stop their modus.
so how will this ‘NEW’ government will take necessary steps para matigil na ang mga ganitong pagsasamantala? Insurance commission maybe receiving many compliants pero para to marefund yung perang nawala sa kanila/sa min… e paano ang complaint na MATAPOS NA ANG KAT*RANTADUHAN ng mga MALALAKING KUMPANYA NA NAGSASAMANTALA sa maraming PILIPINO? would you just sit there.. write and blog about your complaints??? pero walang action sa labas? Ang PINANLALABAN NGA NG PPLIC ay walang PISIKAL NA TAO NA LUMALABAS para mag-complaint. They would just simply tell that all people in here were just pretending to be real… so how are we just prove them that we have TRUE COMPLAINTS… that we are TRUE people that have TRUE emotions… emotions that been taken advantage by these people to serve their own interests.(wow!)
If you were just there with me arguing and discussing with these people.. you would know why we call these people and their company as a scam!
Puro inconsistencies. Puro denial.
Sus! matapos nyong pagsamantalahan ang mga taong mapagtiwala.. then you would just point your finger on us by telling us..that it is the our fault by believing in you.
I hope this call will wake you up.. let us work together… para matigil na to.
Certified Scam 2 mga sir/mam
Tnx sa mga post nyo…
Kanina lng may nagtext sakin na ms.yen ang name…
sa mga post nyo pa lang sure na ko na scam 2…gus2 ko na matigil ang gani2ng eksena…kaya pinaforward ko na sa Tulfo brothers..
more Life to All…godbless
Omg! asawa at kapatid ko nabiktima nila pareho ko sila 2nd holder ng cc ko im here in canada still fight for that keep try to dispute the transaction sa cc ko ayaw nila pumayag need nila ng proof ng policy at kailangan kulitin daw ung insurance company to cancel,pano ba eto papunta na dito asawa ko ndi ko alam kung pwede kapatid ko ang mag folloe up para sa kanya? please help kung may idea sila about this tnx!
Omg! asawa at kapatid ko nabiktima sila, pareho ko sila 2nd holder ng cc ko im here in canada still fight for that keep try to dispute the transaction sa cc ko ayaw nila pumayag need nila ng proof ng policy at kailangan kulitin daw ung insurance company to cancel,pano ba eto papunta na dito asawa ko ndi ko alam kung pwede kapatid ko ang mag follow up para sa kanya? please help kung may idea sila about this tnx!
kung ayaw nyo tuloy i advice within 24hours do the action.. 1. cancellation letter na ginawa mo (in details daw why u want to cancel)
2. insist why your there.. kung ganu nila kabilis na naswipe ung card dpat ganun din kabilis ang pagassist..
3. mas maganda may kasama kayong lawyer
4. whatever they say CANCELLATION is you purpose why your there
5. dont allow them to keep you waiting.
6. kung pinagaantay kayo tumayo kayo and insist you na kailangan kayong iprioritized!!
7. hndi to scam, un lng theres something wrong with their strategy. kaya if ayaw ituloy wag ng patagalin,, besides do you really need the insurance now.. oo nga kailangn isucure ung future.. pero pano kung present mo naman eh pinapatay ka unti unti kaya kaba nagsave para may pampalibing ka?
i learn from my mistakes.. im not saying na hndi ko dapat isipin ang futre.. GOD IS WITH ME anu mang future ang kaharapin ko.. ang mahalaga mabuting tao ako walang tinatapakang tao walng sinasaktan at higit sa lahat humaharap sa buhay ng may paninindigan..
i have cancelled my membership.. and since kahapon lng to ill be counting days and keeps on following up my refund 30-45 days.. with my lawyer..
whatever they say manindigan na kung ayaw nyo ituloy ayaw nyo.. thats it wag ng ulit ulitin pa ang procedure na ginawa basta tell them i want my money back.. reason im not satisfied and i review the policy and came up with this decision na hndi mo kaya.. if they ask to downgrade.. tell them with paninindigan NO NO NO.. photocopy all the details wag ng marami pang sat-sat.. process the paper now coz u want to leave much early that 45mins..
guyz im not judging them ok,, im not against the company,, pero like me i felt na i cant bind with a company ng may pagdududa ako simula palng so if you felt like quiting or in doutb follow it.. GOD IS WITH US! if you felt na nadihado ka then both party had their fault..
i cannot blame people there it is their job.. lahat tayo hangad ang mabuting buhay.. so sana lets all put God in the center of our living lets help each other walang sakiman.. beside pareparehas lng tayo ng hinihingahan..
May God enlighten us and keep us away from sins here on earth. walang mahihirapan kung walang nagpapakasasa.. give and take at walng lamangan..
*wag kayong matakot ipacancel kung ayaw nyo manindigan lng kayo* (maninindigan kayo o lalamunin kyo ng mga bibig sa paligid nyo)
Godbless us all!
this happened to me last friday, 30 july 2010.. please read story and pass it on to your loved ones.
http://17arci.livejournal.com/760.html
hello guyz! i afraid madami pa ang magawang ng ganitong strategy.. sobrang hirap kumita ng pera.. i i have a good job pero panu ung mga nagipon like me then all of a sudden magkakaron ng savings daw for future pano ung present?!
halos lahat ng nagcocomment dito eh ung experiences, like me i experience to im concern.. theres something wrong with their marketing strategy..
pano ba ang pwedeng action na gawin dito? i always pass st.francis and mega mall nung nagpacancel ako kahapon i saw the office sobrang puno and may nawelcome nanaman na bago.. i know na he/she joined because naengganyo pero alam kong hndi yun ang plano ng mga nandun.. naispotan lng.. just a realization, if we really want to secure our future we will make plans for it.. pero ung bglaang magbibitaw ka ng pera (idont know how they make us convince eh) mganda sana eh kaya lng how they get people,, grabe that is wrong.. i was with my lawyer when i cancelled my membership,, nakakatawang gusto pa nila kaming iconvince pero the only word that we say to them is this
“FOR WHAT EVER REASON I WANT TO CANCEL MY MEMBERSHIP AND MAKE MY MONEY BACK AS SOON AS POSSIBLE” WE WENT HERE NOT TO CLARIFY ANYTHING WE’RE HERE TO CANCEL IT AND WILL YOU PLS. PROCESS NOW THE PAPERS INSTEAD OF TALKING TO ME, COZ YOUR COMPANY WASTING MY TIME” -wala pang 30mins i got my cancellation…
pero pano ung ibang walang lakas ng loob?! panu ung hndi mga nakakabasa nito?
i wanna thank all the bloggers here di nyo man ako pinatulog kakabasa ng concerns nyo im happy i got ideas from you guyz,, i even call mr. rash(THANK YOU SIR)
i hope theres an action for this.. and ill try to make an action on this..
TO PRUDENTIAL LIFE:
IF YOUR READING THIS BLOG.. I JUST HOPE SOMEHOW CHANGE YOUR STYLE REGARDING HOW TO GET PEOPLE.. ITS GOOD NA YOUR GOAL IS TO HELP OTHER PEOPLE, BUT NOT WITH THIS KIND OF STRATEGY.. JUST EXPLAIN TO THEM YOUR SIDE THEN ALLOW THEM TO LIVE SO THAT THEY CAN THINK OF IT,, HNDI YUNG ON 2-3HRS YOU’LL GET THEIR “oo sige” THEN SWIPE.. WAG NYO DIN SABIHING JUST FOR THAT TIME LANG ANG OPPORTUNITY HNDI BA ON THAT SIDE NILOLOKO NYO NA KAMI.. DUN SA MANAGER NA NAKAUSAP KO SINABI MO SAKIN NEVER PA KAYO NAKAEXPERIENCE NG TAONG BUMABALIK TO REFUND DIBA,, SO NUNG BUMALIK AKO AT LEAST MERON NA NOH!!! HNDI BA PANLOLOKO DIN UN.. SINUNGALING.. BUNGI KA PA NAMAN SINUNGALING KAPA.. AGENTS ALSO DOING THIS FOR THE FUTURE OF THEIR FAMILY.. PAREPAREHAS TAYONG NAGHAHANGAD NG MAGANDANG FUTURE SANA MAGTULUNGAN TAYO IN GOOD WAYS..
GOD BE WITH YOU TO ALL THE PLAN HOLDERS AND TO PRUDENTIAL COMP. MAY GOD FORGIVE ALL OUR SINS.
For ATM holders, I got my refund in less than 30 days. They know they shouldn’t mess up with Bloggers, haha. Basta ang gawin nyo lang ay i-follow yung mga steps na sinabi dito sa blog na to or sa posts ko. Sinisindak lang nila kayo, wag kayong pauto ulit. Alamin nyo ang karapatan nyo at ipaglaban nyo.
Hi guys..Honestly, parang magkaka heart attack ako ngayon sa laht ng nbasa ko..haay..yoko sna tlga mag comment pero cge..share ko nalng to..since mtagal na kong wla sa PPLIC. so pwede na cguro mag comment. Bwal po kasi sa mga empleyado mag comment sa blogs pwera nlang kong pa sekreto kasi pag nahuli ka nila cgurado terminated.
Ngayon well okay na pra sken.. Msama tlga loob ko sa nbasa ko kasi it seems like tinetake advantage ng iba yong nangyyri sa ibang tao jan na my reklamo sa company.
I really love reading blogs kasi..kya lang sna ung healthy blogs. I mean..balance and all.. sakit sa dibdib kasi when I was a sales consultant never ako nanloko ng client ko..God blessed me with maraming deals dati which made me a top Sales consultant for several months.
Never pa po ako nagkaroon ng client na nagreklamo sa akin or bumalik kasi naloko ko xa at my nsabi akong mali..
Di ko lang po pwede sbihin name ko kasi my mga kaibigan parin ako nagwowork sa PPLIC.
My mga empleyado tlga na medyo matigas ang ulo at my consequence din po sa mga pinagggwa nla..pag my reklamo po ang client sa isang empleyado ng tga PPLIC. tinterminate po pag napatunayang ngkamli at nag misrepresent yung empleyado..gnagawa po ng company ang part nla para ma control ang empleyado nla pra gawin ang tama..araw2 ang training ng mga empleyado bgo sumalang at araw2 kaming pinaggalitan at sinasabhan dati pra mgwa nmin ng tma ang trabho nmin..
Kailangan ko na tlgang tanggapin na we cant please everybody.
Enlighten me nman blogger..sakit sa dibdib..because I love this company..though mtagal nakong wla dun..
It has been more than 5 months, since I last visited this blogsite. I was also a former PPLIC policy holder, and I was able to cancel my policy within 48 hours I got a refund in 3 weeks. I just did the above-mentioned advise. okay naman, lahat ng dinebit nila binalik nila sakin.
TIP: CANCEL YOUR POLICY as EARLY as YOU CAN!.
After reading and analyzing the terms and conditions or if you don’t like it…hindi naintindihan when it was presented.
GOD BLESS!
@watever, i dont’know how to react with what you have said.. na hindi iinit ang dugo o kung paano ko pipiliin ang mga salitang bibitawan ko. How can you tell me na hindi mo niloko ang client mo? hmmmm… siguro hindi ka sa field.. yung naghaharang ng mga tao sa mall.. para sabihin na maglalaro lang sila to win a cash prize or a car? siguro ganon? or doon ka sa reception? a front desk officer? just giving instructions sa mga client? or sa POS ka kaya?..pero kahit pa sales consultant, receptionist or kung ano ka pa..but the whole procedure is nothing but a deceitful sales.
from the point of asking a simple mall goer kung meron silang credit card to the point of confirmation signing is a BIG SHAM!
No one can tell me na ang mga sales consultant/agents have different approach in selling. Dahil mula ng lumabas ang scam ng DANVIL at FAMILY FIRST in 2005 (or might be earlier as 1990s)… you will see that they use the same procedure on how to lure people.Definitely, these employees were given an extensive training from field sales agent hanggang doon sa tinatawag nilang “quality controller”.
PPLIC is boasting to be in the business for 47 years! They pretend to be an established, reliable and permanent and yet doing such shamful tactics which causing dilemma to most of people that have been swayed through this kind of marketing. I personally talked and argued with these people…Sana nga na-train nga ng mabuti at maayos ang lahat ng empleyado, so that they could appear consistent in every aspect.HE! HE! HE!
With what i personally experienced, they are trying hard to earn respect of the society but giving hypocritical facade thus INCONSISTENCIES prove them as swindlers.. an institution which is flimsy and unstable.
@lee and mayann – ang bantot ng style nyo!
Hope you can help me.
I was also a victim of this shameless strategy. I got my policy last July 24 in Cebu because they duped and lured me of having a nice benefits. But after reading the policy, gosh all of their pormises were not stated. How the hell could I possible trust them again if they lied to me from the start? I was about to cancel my policy on July 26 but then they were frighten me na hindi ko na raw matatangap yong refund ko kasi nakasign daw ako sa contract na. “The initial contribution is not refundable unless stated in the provision”. Sakit sa ulo talaga kasi matatakot ka sa kanina talaga. Mga walang hiya, sinabi pa nman na installment basis daw yong pagbabayaran ko, tapos ngayon nacharge na sa credit card ko, one time payment pala. Pano na to, di ko kayang bayaran tapos pag ipapacancel ko nman, sasabihin na nman nila na di talaga ako makatangap ng refund. They ruined my peaceful life. They make make my life miserable. I’m looking for a lawyer na yong cheap lng located in Cebu pra nman may makasama ako pagpunta sa office. Hirap na hirap na talaga ako. Tulungan nyo po ako.
oo nga eh. halatang mga empleyado ng PPLIC
marie.. txt mo ko , or e mail. clarck12003@yahoo.com 09217760340
hi sa lahat..after 10yirs sa wakas nakuha ko na ang chargebak ko…sobra at grabe talga dinanas at inabot ko sa pesteng PPLIC na yan..mga bwisit talga sa buhay….
sana sa laht ng mga naloko i cancel nio na agad un sanyo…mangulit kau…mang away…araw arwin nio para ibigay nila un pera ninyo…bsta gawin nio lahat….makukuha nio rin yan,,,wag lang kau mgpabaya sa follow up….nkakapagod peo worthy naman ….para ma ichargebak sanyo…
maraming salamat sa blog na ito at s mga taong tumulong saken….sana makuha nio rin iun senyo.,..
gudluckkkk
@ nofriends..
immediately cancel your policy. bakit?
1st,they have this grace period, 15 days based on their new confirmation policy. HEHEHE. Pag pinatagal mo pa yan… ikaw pa ang sisisihin nila na.. “E kung talagang ayaw nyo po, bakit hindi kayo bumalik agad? o kung hindi po kayo makakapunta, hindi po kayo tumawag para i-cancel yung policy..”..
it is one of their dirty tricks. so go! bumalik ka po sa office nila, and be firm that you want to cancel your policy. at pag insist pa din nila na may pinirmahan kang kontrata.. ask them kung magkakaiba ba ang policy nila per branch. Kase sa Megamall, they have this 15 days free look period…
o sadyang hindi nila naiintindihan KUNG ALIN BA ANG TOTOO..
o sadyang sa dami ng kasinungalingan nila ay HINDI NA NILA ALAM KUNG ALIN ANG TAMA, TOTOO AT ANG UPDATED POLICY NA BINEBENTA NILA…
HA HA HA…pathetic fools..
Actually, last July 20, 2010… isa sa empleyado nila ang nagsabi sa .. “ANG totoo po ma’am, 30 days po ang grace period namin to CANCEL the policy…so this new policy was shorten to only 15 days..”.. hahaha and she can’t deny this!
2nd, if lumampas ng 15-days at sasabihin na nag-lapse na yung free look period… at wala na kayong makukuha… Ganun din, be firm… kase may mga lumampas ng 15 days… months na yung policy nila ay naka pag FULL REFUND or pag makulit ka or blogger ka you will be OFFERED TO HAVE A REFUND OF YOUR FULL PAYMENT LESS 25%…HUH?
HA HA HA
ano ba talaga PPLIC?
15 days or 30 days?
meron ba o wala?
full or less 25%?
LIARS NEED TO HAVE A GOOD MEMORY.~Algernon Sydney
grabe i just passed sa st.francis and i saw the gay na nanghatak sakin sarap sapakin.. at may kausap nanaman syang isang client..hayyyyzz..
TO PRUDENTIAL:
I KNOW SOMEHOW YOUR LOOKING AT THIS BLOG! I JUST WANNA SAY NA SUBUKAN NYO LNG WAG IBALIK ANG PHP16,139 KO SA ATM TIGNAN NATIN! ITS BEEN 5DAYS SIGURADUHIN NYONG PINAPROCESS NYO NA PARA HDNI KAYONG MATAWAG NA MGA MANLOLOKO!!! KASAMA KO UNG LAWYER KO FAMILY AND FRIEND KO WHEN YOU TOLD ME NA 30DAYS KAYA SIGURADUHIN NYO LNG..PROMISE..
TAO KAMING NAKIPAGUSAP KAYA TUMUPAD KAYO SA PINAGUSAPAN.. THANX
@kat: Thanks for your encouragement. I went to Insurance Commission first to file a complain. The in-charge advised me to write a letter of cancellation to my Insurance Company with CC:Insurance Commission Head Division in the upper right head of the letter. So, I went the office and submitted the letter of cancellation. I was shocked because the manager(as if) told me that I went there because I wanted to cancel again the policy. Wow he knew that I was really doing it. So I handed him my letter and without any further convincing tactics, he signed my letter but when I asked for a SOA, he said, you will receive the SOA later and just follow up the office. I got pissed off but I need to follow since it was evening and I was so stressed already. One more thing he said, I will not receive a refund or if ever I may receive any then it will just 75% because the 25% is terminated upon signing their contract and that is stated in the provision according to him.
I went the office with me the singed cancellation letter because I’m tired talking to him with his pimpled face with matching foundation. Poor gay as I may say. Sorry but he’s not helping me anyway. He made my life miserable. I have so many sleepless nights already and I think that’s enough for me to keep this doubts and fears in myself. No more politeness and respect for them.
Now I’m doing the next move. I downloaded the disputer form from my credit card website. I will fax these documents today to my credit card company. I hope they will honor the document even if there’s no SOA. I’m tired already. It’s like my body is telling me to stop and find some times to relax. I was about to call my friend’s attorney to help me out this s**k issue. But no, I can still do it by myself. Just pray for me to get back the money they’ve swiped and took away from me. Thanks again for the advise and everything. I will keep you updated.
byers for now guys.
(i just need to take rest)
An attorney from the Insurance Commission sent me an e-mail. Attached is a letter that they have sent to PPLIC asking for their comment regarding this matter.
Haay… sana this will bear good results. I don’t want it to end without further action.
It’s unfair to the management if they don’t know if this
strategy happens in reality. I just hope that they were
able to hear reports about this matter so that they have
an idea already on what to do.
I hope the management will give this marketing strategy
a special action so that they will not lose their clients.
According to my manager, PPLIC is a good insurance company
and reliable. It’s just that these days strategies of their
sales agents are unethical.
Question: If you got the SOA and have reported to your cc
is there an assurance that you will get refunded?
hello guys…araw-araw ko itong binabasa,nagtataka lang ako bakit panay kayo negative?bakit yung ibang positive binubura nio?tsk tsk tsk isa nga sa inyo naninira sa PPLIC.im a planholder almost 5 years na..and i dont believe sa mga sinasabi nio!!last week sinama ko yung friend ko kasi meron siyang narecieve na txt about final notification from PPLIC.oki naman lahat,kung ayaw nio ng plan bakit pumirma kayo?yess nagbebenta sila pero nasa iyo pa rin yung decision niyan kung papayag ka swipe ang cc mo.i have also 5 friends under ng PPLIC at PHILAMLIFE same strategy din marketing nila pero d same thing din gagawin nila sa iyo.but still nasa iyo pa rin ang decision niya…
tsk tsk tsk tsk mga tanga kayo…
hahahaha
si ARPEE yata panira dito eh..hahahaha
saang insurance ka naman ARPEE work?sirain katulad ng sira mong mukha?inuuto mo sila para magpost dito.sori ha pero hindi ako under ng company na yan pero guys di kayo nagtataka bakit panay paninira lang nandito?imposible naman walang nagkagusto sa alok ng insurance com kahit isa sa inyo.kaya nga kayo naging connected kasi nagustuhan nio ang plano.hay naku ARPEE umamin kana anung insurance com ka?block mo mga taong nagsasabi ng magaganda tungkol sa phil prudential..tinitira mo yung negative.pati mga empleyado sinasama mo sa kalokohan mo.kesyo isa daw dito sa inyo empleyado.makikita mo yung msg ko ito burahin niya malamang bukas.gusto mo panay panira pati sa ibang insurance company.naintindihan ko kayo,kaso lang wag nio sisihin ang isang company kung pumayag ka namn.of course ayaw mo maloko,sinu ba me gusto nun.sana pngisipan nio bawat galaw at desisyon niong gawin.di ba?
patay ka arpee…ikaw pala pasimuno eh.under ako ng philippine prudential,im proud to say that!mabait at mapgkatiwalaan ang mga taong nagapproach sa akin with my husband.i got my educ.voucher and personal insurance,magenroll nga yung kapatid ko bukas,tinawagan ko yung datamex wala daw babayaran sa tution fee kapag galing sa phil.prudential kasi rewards ko yun.
and of corse medyo nabentahan din kami for investment,ok lang kasi for my future naman eh.no forcing of selling naganap,,ewan ko sa inyo bakit meron,hirap kasi kapag mall eh kami sa mismong phil prudential pumunta!!
ako din nakuha koyung reward last week oki naman eh..nagamit ng pamangkin ko voucher.thank you phil prudential.
sigurado ba kayo moy and mitchandu?kasi punta ako bukas eh ,saturday ang usapan namin nung nakausap ko 7551532 named vicky cortez,i have the claiming code na po kasi!!
Hi All,
I just went to PPLIC earlier today to cancel my policy. Thanks to God, after 2 hrs discussion pumayag din silang i-cancel yung plan ko. Nung Aug 1 ako kumuha so as of today, asa 6th day palang ako ng “15 days look free” at I stayed firm sa reasons at goal ko na ipa-cancel yung policy kaya cguro wala silang nagawa kundi i-issue saken yung SOA ko with remarks CANCEL by Inception. When I went there, naka shade ako…nkkatwa the TL and manager na kumausap saken asked me to take off my shade… sabi ko d pede nde ako comportable sa lights… so the negotation went smooth. Kung plano nyo ipa cancel policy nyo be prepared kasi sobrang galing nila magsalita as in papaikut-ikutin k nila…at iwasan din ang eye to eye contact kasi gumagamit din sila ng hipnotismo(the reason why npapayag nila tayo nung inalok p lng) at me mga suggestion sila na pedeng gamitin sau…like sabi sken ng manager..ba’t d mo tapusin n lng yung 15 days look free para pag-isipan tsaka ka magdecide? sabi ko sa knya okay k lng? e d nwala n yung grace period ko. Hanggang sa HR dept. i-ttry p rin nilng baguhin isipan mo… … so be ready. E2 pa, ittry nilang sabihn na hinde mo pedeng makuha yung money within 30=45 days or something n parang nde pedeng ipacancel yung policy…parang ipapamukha pa sa inyo yung mga pirma pirma nyo… cnabi ko n lng sa knila “okay” attorney ko n lng magddouble check at kakausap sa inyo. Sabi ko sa kanila I’m ok that they want to help… yet bkit one time opportunity lang ibinibigay nyo sa client if u really want to help?…sagot saken kc daw its an opportunity and opportunity knocks only once…sabi ko naman yes its an opportunity…pero kung me opportunidad, nde naman one snap of a finger or after 4 hrs of talking to a stranger eh me desisyon k na at nsalin n yung money mo sa account ng compny nila … pinagpplanuhan yun… Naniniwala naman ako na may point din gus2 tlga nilang makatulong sa tao to plan 4 their future but “it is not their main priority”…”ang priority nila is yung sales nila”… so it is the money for them… kasi kung hinde, nde nila kailangang gumawa ng mga deceiving tactics…like kunwari nanalo ka… and just help them to promote their new company susme pinagmamalaki nila kanina na 40+ yrs n sila yun lng pabago-bago pala ang name…y? cguro naman dun p lng there’s something wrong na with them. at yung 45 mins presentation ngging 2-4 hrs… “One time opportunity”=pressure”…
To Virgo and Me: Obviously naman po, me pressure at hypnotismong nangyayari… at hinde lng basta2x pumayag at pumirma yung mga tao dun. Kanina y do you think they insist me to take of my shade? To Virgo, if you want to continue ur plan its up to you… make sure lng na to research more about the “reserve funds” at kung tlga accrediated sila nun” kasi yan lng ang laban mo pag bumagsak yang compny n yan. Check this site kung ilan n ang nagpacancel at nagbabalak pa… at bkit papalit palit ng name? To “Me”, ikaw ang tanga, mukhang nagkokement ka sa isang issue n mukhang wala kng kinalaman… Better shut your mouth or gumawa k ng sarili mong blog… kaso baka puro mura din abutin mo kasi wa sense just like u. (hehehe…apir panget!)
Me mga intruders d2… nagpapanggap n hinde empleyado ng PPLIC…pero nanggagalaiting magtanggol sa kumpanya nila. Anong drama yan? napagutusan lng din ba kayo? or tinakot kayo n kung hinde nyo ggawin yan tatangglin kayo or walang sweldo? I am not againts sa goal ng kumpanya nyo na makatulong but the marketing strategy itself…
see my latest post about those comments na sunod sunod
Right Arpee, lol… ayan ang nagsasabi mga tanga tayo. His/her words bounds to his/her face…
i have a question guys. I just canceled my plan. Received the soa which has canceled from inception remarks. Pplic called me hours later informing me that they havent received the or. But the truth is that i have given everything to them. Good thing i made a photocopy of the or. Pero im worried na baka di matuloy ang refund. help naman guys.
@joel:
Don’t worry as long as you have cancelled the policy already.
I just cancelled mine day ago and done informing the credit
card company also. I’m still waiting for the result of this
heck happened to my life. Let us pray and trust that they
will do the refund. God is with us.
@stalkers:
We are not dealing with the side of the insurance company
but we are pertaining to the “dirty marketing”. I would
say sorry if I said so, because had a bad experience with
the agent who had explained to me about the insurance. I
understand that he needs financial for himself or for his
family but I do need the money as well. He duped me and
told lies about the benefits of the insurance. I consider
him breaching the contract but it was actually my fault
because I trusted him. Hope you understand everyone’s opinion.
If I were an employee of PPLIC, I will look for another job. As in now na. Your wicked days are over.
i went today sa paseo de roxas regarding sa FINAL NOTFICATION ETC… bakit kayo ganyan,binigay naman nila yung rewards ko eh!never forcing to buy anything.we sat down and making pirma about the rewards katibayan nakuha ko na yung rewards thats all and i go.anu sinasabi niong nagbebenta?claiming dept ang puntahan nio at wag yung sa mall.
Question:
Is there really an assurance that PPLIC will do a refund? How are they going to do that? Send the money through us or automatically credit the amount they debited to my credit card?
to mens:
Ewan ko kung wala bang bintahan pagkinuha mo yong rewards. Yong manager ko kasi kinuha nya reward sa cocolife tapos binintahan xa ng sangkatutak na insurance programs. Sinabihan nlng nya na may gagawin pa siya.
Hi to all!
Kaparehas ko ng case si katt at marie. Policy holder din ako for almost 1 year.
Sabi naman sa akin nung agent ko, ichecheck lang nila yung atm ko and then around 19k na ung nabawas. I thought i-checheck lang nila, pero nagulat ako bakit nabawasan na? Sabi rin sa akin I need to complete 1year na paghuhulog bago ko ma-refund but based on the policy, Cash Value lang talaga ang maibabalik, walang nakalagay na 15, 30 days sa docs ko kaya di ako nagka-idea ng refund noon.
I’ll continue to follow this thread and I’m planning for a full refund. I’ll post again tomorrow.
@katt and marie – here’s my email : leighnash26@yahoo.com
i’m willing to help. my oficemate’s sister (an OFW) has a policy too. I’ll inform him about this info.
Thank you Arpee for this thread!
@all na nagpacancel at may nakuha ng SOA with cancellation from inception, ang alam ko nakapag-refund sila within the days na pinangako nila sa yo… kase kung hindi nila ibabalik yun pwede nyo silang ireklamo.
@leigh, san ka pong branch nakakuha?sa mega mall din? yes, don’t give up if you really want a full refund. Ako din e, hindi ako papayag na walang ma-refund. To the point na ABALA na talaga ang ginagawa ng PPLIC sa kin. I am just waiting for ICs action about it.. kung pwede nga akong magpiket sa harap ng IC demanding to revoke their license gagawin ko.. hehehe kaso nag-iisa ko.. syempre.. hindi ako papakinggan.. dapat madami tayo!
@stalkers…oo nga.. wala naman na kayong mapapala kung patuloy nyong ipagtatanggol dito ang company nyo..gumawa na lang kayo ng sariling blog nyo… at tingnan natin kung sino sino magko-comment.. baka kayo kayo lang din sa kumpanya nyo.at yung mga mumurahin kayo ay i-delete nyo na lang ng i-delete… HA.HA.HA…
wala ng epekto ngayon sa kin lahat ng sasabihin nyong TANGA o BOBO ang kumuha ng policy ng PPLIC na ngayon ay nagrereklamo na sila ay niloko. Dahil lagi ko na lang sinasabi sa sarili ko, na nagtiwala lang ako… at hindi ko kakulangan yun. Even in ancient times, ang mga manloloko at naloloko ay existing na… and that is the difference between GOOD and EVIL. No need na sabihin pa kung alin ang EVIL.
YES, employees of PPLIC, magisip-isip na! at dun sa mga looking for jobs,wag sa PPLIC. Kase gagawin kayong manloloko…he.he.he.Maybe jnavarro is right, YOUR WICKED DAYS ARE OVER or…
BAKA MAGPALIT NA LanG ULIT SILA NG NAME!at may lalapit na lang ulit sa inyo…
“Good afternoon po, narinig nyo na po ba itong company namin? Ay tamang tama po, ipapakilala po namin sa inyo within 45 mins po,. Eto po kase yung form ng advertising namin. and after po ng presentation, pwede po kayong maglaro, at pwedeng manalo kayo ng kotse!”
and you knew the rest of the story.
wala, ndi tlga cla ngsosoli ng money.. at bawat punta ko ko dun iba iba ung cnasbi nila..
@jp.. Huh? totoo ba yun? pero marami naman nagsabi dito na naibalik ang pera nila ah?
san po bang branch ka nag-avail?
ganyan din ginawa sa kin at kay marie..lagi nilang sinasabi na wala kang mare-refund.. pero iba iba din ang sinasabi nilang alibi.wag ka ng bumalik sa kanila.. basta you have done your part. Nakipag-usap ka na ng matino sa kanila. Sa IC ka na po tumuloy.Mag-email ka na.. o personal ka ng magpunta. Inaasikaso naman nila sa public assistance office ang mga reklamo ng policy holders. Siguro sa dami ng reklamo ng tao ngayon, hindi pa nila ma-accomodate lahat. Just don’t stop on calling them and follow up your complaint. Kapag gusto talaga nating mangyari, we need to persevere. Talagang sasabihin lang nila sa yo na walang marerefund, pag nag-give up ka..sa kanila na yung pera mo… tsk tsk tsk. Tyak yun ibabalik nila… yun nga lang papahirapan ka muna nila.. at wag ka ring papayag ng 75% lang ang maibalik sa u… kase kapag pumayag ka… ganon din gagawin sa iba.. sa amin. Please be firm na you want a full refund.
BWSET Nabiktima din ako; dipa kasi ako natutulog at tuliro nung inoferan ako.
kakansel ko lang ngayon umaga yung akin..buti 4 days old palang natauhan nako;
grabe ang daming kumausap sakin; puro iba ibang style; yung una malambing tapos hanbang tumatagal naninindak na.. buti nalang matagal nakong takot..
i got my cancellation SOA; pero syempre antay antay muna sana mabalik agad pera ko…
TIPS:
- sabihin mo nagmamadali ka para iprocess agad.
- be firm; ooferan ka nila na bababaan yung plan ATBP; lagi ka lang magstick sa 15 day free look up policy (kung applicable pa). Sabihin mo dika satisfied, saka me iba kang plan para iinvest yung pera mo. or sa reason mo sa letter.
- i ready mo na yung letter mo bago ka pumunta; dapat pareho yung reason mo sa letter sa sasabihin mo para di ka nila ipitin; stick to your story.
- i xerox mo yung mga document; para me evidence ka kahit xerox lang.
grabe inabot ako ng 2hours sa kakahintay kasi me meeting sila kanina,tapos ang haba ng interview sakin; talagang maraming delaying tactis para mawalan ka ng gana. BADTRIP
nakikiramay ako sa lahat ng biktima.
Nong sinabi nila sa akin na 75% nlang daw makukuha ko, sinabi ko nlng sa kanila na sa IC nlng kayo magexplain sir kasi sila napo ang nag advise sa akin eh na ipapacancel na yong policy pra marefund. Yon lng, takot parin ako ngayon na baka hindi sila mag refund sa credit card ko.
anong program ba kayo? eh kasi ang sakin is WEALTH BUILDER PROGRAM po eh. Meron ba kayong idea kung magbigay ba sila ng refund sa kagaya ng program ko?
this page is not intended to praise the PPLIC. this page was created to assist the turmoil of those victims by PPLIC. so what kung puro negative ang nababasa niyo dito? if you think na maayos o maganda ang PPLIC, so be it. it’s yours.. then leave it. wag na kayo magsalita pa ng mga papuri kasi nakakasira kayo ng dunong if sinasabi niyo na maganda ang PPLIC. wtf! IT IS NOT YOUR PAGE TO POST PRAISES TO PPLIC! You have spaces at mall allocated for you para dun niyo sabihin ang magagandang benefits ng PPLIC, (kuno!) kulang pa ba ang 45 min? hour, 3hours???? hanggang dito pa ba mag sesales talk pa rin? ngek ngek niyo PPLIC!
hi again everyone!
meron akong nabasang post sa ibang forums. we can get help from SEC regarding our complaints. mas maraming complaints sa SEC mas malaki ang possibility na ma-suspend ang license nila.
i think SEC are more powerful that IC at mas may power sila regarding sa activities ng PPLIC.
to all na gustong mag-parefund please set a date. magleleave ako sa work para maayos na ito. wag kayong panghinaan ng loob, sama-sama tayo!
hay buti nalang nabasa ko mga comments nyo, a certain nicole david called me up. This is like aiowa, nabiktima kami dati ng tatay ko what we did is tinawagan ko sila kaagad then sinabi ko na magpapa cancel kami then i dropped big names from dti na relative daw namin. Then binalikan ko sila and when they tried talking to me i started raising my voice para mahalata ng ibang mga clients nila e di pahiya sila so when they cancelled my credit card araw araw kong finallow up sa credit card company
patayin na lng mga yan. may kilala akong tao. ako na bahala. mark my words!
@paolo
mukhang seryoso ka sa sinabi mo ah..di naman na dpat paabutin pa dun. kung kakayanin pa rin naman na idaan sa paguusap kasama ang IC o SEC mas mabuting dun muna tayo magconcentr8!
@leigh
gusto ko sumama syo, anytime pwede ako basta magset ka nalang ng date. Nga pala, nagpacancel kana ba? anu ang sabi ba sa policy mo?u can contact me at irishmae30@yahoo.com
@leigh & marie
pwedeng sumama sa inyo? nag-absent na po ako sa duty ko nong monday pra lng sa pagpapacancel ng policy ko. Taga Cebu kasi ako eh, wala akong kasama dito.
@nofriends
taga cebu ka po pala..hehhehe ako taga manila eh..di ko lang alam kay leigh kung san syanakakuha ng policy
@marie
sana meron ding taga cebu para meron ako kasama..
H! Guys, sadly isa aq sa namoblema now coz of this PPLIC i don’t mention amount.,. but i got my plan sa SM Southmall last Jul.11,2010…. same experience like other (pressured & feeling hypnotized) and i try narin na pumunta sa branch nila to cancel though di na aq umabot sa 15days terms nila I’ll try parin,.. sbi nong cs n nakausap q downgrade nalang daw ung plan q.,, binigyan pa nga aq ng computation to study pero my penalty na daw un kc la na q sa 15days terms….. and kung tlagang decided na daw aq to cancel tuloy tuloy parin billing sa cc q till matapos q bayaran ung initial and advance na na-swipe na nila…OMG!!!!…
2mawag na q sa cc cs(BDO) to check with my balance kasama na nga un charge nila… I ask the bdo cs kung my possible way to hold my billing for that particular company and as per his advice I need to coordinate with PPLIC….
I’m really worried as my office mate already canceled her plan kc mas early naman xa nakapag-decide and mas nauna aq sa kanya ng 3weeks… she was advice to wait 30-45 working days to refund her money back to be deposited on her SA. She already closed her SA and sbi ng PPLIC need nya to present “original” Certification of close Account issue by BDO before m-process un refund nya.
I want to cancel din sana kasi i have my priority right now and it’s a huge money plus the monthly bill right now I’m preparing a letter, attn to PPLIC main, CC to IC… I’m planning to drop my letter to their office @ southmall this coming Friday (8/13/10) at 7:00pm, and send the letter to BDO to hold the remaining bill…. I’m hoping na sna mpa-cancel q rin un plan q… Possible pa kaia un???….
And why gnon sila pg ng-explain sila ng presentation my loud music sa background to distruct your attention sa my pinag-sasabi nila…. Tama ba nmn un?!!! I’m a CS supervisor and di poh allowed samin to introduce services/sales/products sa ganoong klase ng environment.
Kung sino po gusto sumabay to follow up their refund or any concern sa PPLIC here at SM just let me know….
09276110974
**Kassihdee**
DANVIL/FAMILY LIFE/PPLIC is under 1 management? as per 1cs on PPLIC i talked last 8/10/10…
@all wag tayong papayag na walang marefund! marami ng nakapag refund… at ngayon pinapahirapan lang nila tayo para sumuko tayo! pero papayag ba kayo na ganon lang?
@ leigh and marie sama ko! timbrehan nyo lang ako.
@ PPLIC. your days are over! MAGPALIT NA KYO NG PANGALAN.
@kassihdee
mejo mahirap magpacancel kung lampas kana sa free look period nila…as in pahihirapan ka nila…pero kung decided ka na talaga kailangan be firm na ipapacancel mo sya at need mo marefund yung pera mo. wag ka papayag na wala ka marerefund. Mas mabuting sa IC ka humingi muna ng tulong try to call them at humingi k ng advice kung ano ang dapat mong gawin..tell them na hindika papayag na wala ka marerefund.
OPINION KO LANG YUN HA! gusto u sama ka samin nila katt at leigh?
Today, 2010-08-12 around 11:00am i got a phone call from a representative (as what he claimed to be) of Philippine Prudential Life — Releasing Department. He told me that i can already claim my benefits in their company…a 2-year fully paid college scholarship benefit of their (claiming that it is their school) newly opened computer school here in Cebu! (oh really, i didnt knw there’s a new college in cebu, hmmm..). And said they already have too branches (oh really), one in Asilo near Ayala Cebu Business Park and the other somewhere in Mandaue City.
He gave me his office address:
3rd Floor, Unit 308
Keppel Building, Cebu Business Park
And to look for a person named Daniela Gomez (probably a faked name). Gave me this “something” code: NMA-8051.
Same with the OP, he asked for valid ID’s: company, government, bank, and lastly for credit card!…he insist on knowing if i have a credit card. hahaha…
oh, the insurance/scholarship benefit is even transferrable! wow. hhaha. just another way for me to refer to them people i knew…hahaha…but i don’t do referals on the phone.
I told him that we had an office in Keppel before, and it seems he was surprised..like uggghhh…
Oh well, just pure scam.
Kassihdee:
>And why gnon sila pg ng-explain sila ng presentation my loud >music sa background to distruct your attention sa my pinag->sasabi nila…. Tama ba nmn un?!!! I’m a CS supervisor and di >poh allowed samin to introduce services/sales/products sa >ganoong klase ng environment.
For sure the background music have a SUBLIMINAL MESSAGE (which is illegal in other countries) para you’ll agree and buy/avail their produce/services. Subliminal messages are sometimes used in the malls without you knowing it!
@Marie: Sure! SM South din kau ryt? When nyo plan na pumunta nila katt & leigh? My office mate also want to come with us… We have work till 6pm (M-F) pag sat. nmn after 1pm free na kmi…. I have enclose my M.number below just let me know when…. sna mg-meet ung mga time natin….
09276110974
**Kassihdee**
@Pedro_Penduko: Jeeezzz…ur ryt hirap n tlaga panahon ngyon….
Ei, guys have u heard the background music of their CS Hotline @9022300 sucks! parang may lamay Jeeezzz kikilabutan k tlaga…..
@pedro
Diha gyud ko nabiktima sa keppel. I’m hoping they will credit back the amount they debited to my credit card. just need to wait 45 days according to insurance commission….
@kasihdee
Go to IC pra matulungan ka nila. Sila yong nag-advise sa ako na pacancel ko yong policy ko pero 12days pa ung policy ko. hindi nga nakalagay sa contract ko na meron 15 days free look period. Ewan ko.. basta still hoping na marefund nila ako
ako rin ngpakansel din last aug2,30-45days w8,kya lng ung duedate s cc ko is aug14 kya bnayaran ko muna(14160) mabalik pa kaya sakin un?
@sha
Pwede nman cgurong di mo muna binayaran kasi pagnagrefund cla eh automatic mareverse nman yong interest sabi ng cc ko. Hindi ako nagbayad kasi cancel na eh. Sayang nman yong binayad ko kung di cla magrefund. Mga hudas sila.
I think it is better if SM will just discontinue their contract with PPLI… Instead of letting the customers have fun, nababad trip tuloy… I knew from the start when PPLI approached me that they are scammers because of this forum.
thanks to all
oo nga… nakaka-trauma ng bumalik ng SM mega mall.
*hoping*
I planned to call PPLIC about the refund but I didn’t have
guts to do it. Wish they will just automatically give the
refund to my CC. I called my CC today and there’s no reversal
yet. Please PPLIC don’t prolong my agony. I just hope you
know how I feel. Many sleepless nights were spent.
hindi kau kukuha ng isang bagay na d nyu alam..(napakatanga nman ng mga tao dito..)
@ wow – i guess isa ka sa mga baklang kampon ng PPLIC. or isa ka don sa mga babaeng walang makitang ibang trabaho kayo pumayag matrain ng 1 month para turuang manloko, ryt?
just dopping by to update re my plan… Napakancel q na nong Aug. 13 and as per their advice no refund na daw un… to hell with them kanila na pera mabawasan lang stress q kakaisip sa pesteng plan nila…. i can still earn pa naman un…
about don sa ofc mate q na me plan rin na ngpacancel dated Aug.10 ng-advice xa sa cs na close na acct nya and require xa ng letter propt of close acct from bank… then binigay namin letter nong Aug.13, bah nman sbi nadeposit na daw sa close acct nya ung refund nong Aug.12 pa….Nagmalaki pa ung bruha na mabilis refund process nila…. Damn! once na ang acct close na di ka n mkapagdeposit don no!!! nkk-HB tlaga… Here’s their new advice re-reprocess daw ulit ung request for refund and need ulit to wait 30-45days!!! what the!!! galing tlaga mag-paikot… Hanggang sa la ka magawa but to wait dhil nsa kanila na ung pera…
@annalea” i received your text nina, xnxa na di aq nakapg-reply agad i was out of town and nakalimutan q charge ung cp q… If you really want to cancel your plan do it ASAP before uR 15days period lapse…and prepare letter na bago k pumunta don sa branch na pinag-kunan mo… they will offer you to downgrade the policy but my payment na un almost 1k+ din…. (As per my Experience. Mejo mahirapan k nga lang sa refund kc it takes time tlaga…
I will update you all guys tungkol sa plan ng officemate q soon…
@wow; wish q lang di ka mabiktima LOL…. kaw naman kc mambiktima…..
@wow- wag ka ng makisali dito kung wala kang magandang sasabihin ok? kampon ka ng mga manlolokong yan! ikaw ang tanga.. dahil hndi ito ang lugar para sayo..
)dami na ngang naloloko ganyan pa mga cnsbi mo.. i know the place wer u beLong.. thE heLL!! =P
@kassihdee
Same tayo na pinagsabihan na wala na raw refund but still
I continued to cancel the policy because that was the advice
given by the Insurance Commission. Until now I’m still
waiting for the refund sa cc ko.
@wow
We know what we were doing. The only mistake I think we had
was giving our full trust to the agent. On the other hand,
it was the agent’s big mistake who duped us and made us
believe everything he said. So now, you have the opportunity
to determine who is need to be blamed.
God bless everyone!
Be well
i told myslelf that i would immediately research about this company online after signing and agreeing to their endowment program, not sure why i only did so today. based on what i’ve read here, it appears that philippine prudential’s sales marketing and customer service is very poor and unprofessional.
but what i would like to know is that has any of the previous plan holders “not” receive their full benefits upon maturity?
i have received sales training before and practiced sales up to an extent during my call center days, and even though i knew that the sales agent was just doing her spiel, i knew what i signed up for. i knew that i wanted to have an endowment plan.
i paid the initial payment and can pay the succeeding monthly payments for five years. i guess what i’m really asking is will Philippine Prudential fulfill their part of the contract once my plan reaches maturity? why else would i sign up if not right?
if i know that Philippine Prudential is a solid company and delivers with their plan holders, i won’t need to cancel. as long as your investment pays in the end.
can anyone confirm if any previous planholder received their full benefits upon maturity? can anyone attest to not being given their due after 15 years?
PPLIC is indeed a member of insurance commission and is complying the requirements needed for an insurance institution. The problem is, they don’t belong to the higher ranks. If you think you are entering into a good contract and you have a positive vibes towards the company then go for it. If you have the time to read all of the comments I think there was I read that her father died and she received the value amounting to the benefit given.
But for now, its different instance coz their strategy isn’t not ethical as before. I don’t know how long can the company will stay.
I’m one of the people here who are still waiting for the refund.
Philippine Prudential Life Insurance is now in Mindanao specifically Cagayan de Oro. My girlfriend got tricked by these evil people who use Social Engineering very well. This afternoon we were roaming around Limketkai Mall and suddenly a gay person approached us from his booth telling that we will just have to play a lottery game and spend some time to there office for about 45 minutes. We were very hesitant at that time and we made up some excuses just to get rid of them but they really are very persistent. They then brought us to Gateway, Limketkai where their office is located and asked us if we have a credit card. We were very careful not to hand the card to them and we succeeded. Few minutes later when they knew that my girlfriend is carrying her credit card, the attention suddenly turned to her. They had her in their office and said that they will just introduce their product to her. I was left at the reception area for about 2 hours. (My goodness! I thought it was just 45 minutes!!) They really know how to waste your time just to sell their insurance. After about 2 hours of waiting, I saw my gf exiting their room and they let them play their so called “slot machine”. When we got out of the building, my girlfriend confessed to me that she spent Php 14,500 for the insurance. She explained to me that somehow, she was kinda brainwashed. They said that they will just borrow her credit card and the application for insurance will be approved. My gf gave her card knowing that will not swipe it because they explained that her application will be approved in while. Unfortunately, they swiped it all of the sudden and explained that the application is now approved (As if my gf is applying for the insurance.). They’ll force you to buy their insurance product. These people have no conscience at all! And one thing, when my gf said that she will have to consult me first before any transactions, they did not allow her to exit the room and said some blah blah blah just to convince her not to leave. I am very much dismayed on how these people treat others just to gain money. I hope that the government will take some legal actions and sanction these kind of insurance company. I really hope that others will not suffer the kind of situation that we experienced today. Please be very careful on your money especially your credit card!
Hi to all, msakit mn aminin..pero aq dn naloko..kainis..kahapon lng nangyari..kng tutuusin maliit lng nwala sakn kumpara s mga nbasa q n..pero syempre, pera q un..pnaghirapan..ewan q b..ang bilis ng pangyayari..ni d cla pumayag n papasukn ung bf kc i am making a decision e..pinigilan aq..kala q mglalaro lng..tas pdeng mnalo ng honda..pero inabot kmi ng 3-5hrs s megamall..honestly, ayoko ng pumunta ng megamall.hahay..anyway, what i did, pnacancel q agd today…dami png pgttalo kumbaga kc prang hanggat maari nde mo ippancel un..pero firm aq, lahat nilista q n kng cnu ang nkakausap q..biruin nyo, wen i asked don s customer service n kakausapn nmin c gel kc sya ung ngsbi n if papacancel n tlg nmin lapitan lng sya knbukasan..nde rw nila kilala c gel..o db..tsktsk..kya pati oras nklagay s notes q.pra lhat may reference aq..so der, manager ang nakausap q..mejo grbe ung pgttalo..kya nsabi q n tlg..aabutin b aq ng kamatayan q s pgaantay ng pgcancel ng account q..nde nko nkpgpigil e..sbi q nga s umpisa p lng..d nko mgttgal..we want to cancel..lets do it na..
ang gnawa nung manager dw, nem nya oliver costales ifoforward nya aq s customer service..ibng tao n nmn..ung letter q for cancellation, nilagayn nya ng pirma named Grace Baldonado that i will get a full refund tas 30-45 days ang processing..tas wla ng bnigay..i ask her, ill call after 30days n pra wlang skit s ulo..sbi nya oo..s tingin q, pde n dn..pero xempre..pno kng nde aackasuhn..so e2 na..umpisa n ng pangungulit..for me sobrng naabala nko..Sna maturuan cla ng leksyon..
after s megamall, dumerecho nko s bpi main office tlg..so un..wait tlg nung no of days for processing..which i understand..kc gnun tlg..i am hoping n magging ok dn ang lhat. Panlaban q s knila ung agreement n ngssbi about 15day free look period…share ko lng ung xperience q..ang skt s ulo tlg..kc ayokng icipin pero bumabalik e..kumbaga ang bilis ng pangyayari..ngpakawala agd aq ng pera..Lord, sna d n to maulit sakn at s lhat db..at wla ng mgkkaron ng gantong experience…
Godbless us all!
Good thing I did not let myself be deceived by those bastards. They really tried to persuade me to get a plan because I have nothing to lose because it’s savings. But I could never bring myself to get one because I found it so dubious that I do not have any documents and details about their endowment savings and they want me to sign up right then and there. How can I make an informed decision if they will not give me any papers about it? Well, I did let them swipe my card (because I was so tired of explaining to them why I will not get a plan, and I knew my card won’t be accepted because of my credit card limit). I think the agent did not like me after. Whatever. They are crap.
Its hard to beleive or accept na tayo ay naloloko. Isa rin ako sa naloloko ng PPLIC na yan,i lost 24,681.00.
I went to my bank (BDO) i ask them if they can control the PPLIC deductions every month but they said they dont have controlled for it. So, i dont have any choices i withdraw all my savings and closed my account.
Sana nga maturuan na sila leksyon, And Hoping that the government will make a move for this kind of insurance company.
marie. an ulit to.. may action na ba kau sa pplic…. pls contact me naman … wla pa rin akong tanggap na response from sec. thanks
@nofriends; Good luck sau,.. sana nga mkapag-refund ka… Aq kasi Yoko na mag-ff about sa refund q… di q carry ung stress… plus the fact na harap-harapan ka nang niloko at inuuto ng mga cs ng PPLIC tuwing ng-ff aq before…YOko maging rude and pag tumagal pa baka di aq makapag-timpi…
@Mia; BDO CC also advice me that i need to setle sa PPLIC para mac ontrol ung pa-debit sa acct q… and nadismaya lang aq dahil parang infavor pa sa PPLIC ung situation…
@Kassihdee: Wag ka sana mawalan ng pag-asa kasi sayang yong pera na nakaltas sayo kasi you sacrifice a lot just to earn your money. I don’t want to give up. I have God with me and Insurance Commission would probably help me as well.
@all: Yong meron nakalagay na 15day free look period, dapat pag nasa period pa kayo, cancel nyo kaagad masmabuti. Sa akin nga walang nakalagay tapos meron pang “no refund” na statment pero pinacancel ko parin. Manakot na cla kung manakot basta malinis yong konsensya ko na di ko na enjoy yong pera na denibet nila sa card ko kung sakaling wala mang refund. I know God is with me.
pano yun…may natanggap ako na text..ganun din..den nasabi ko ang whole name ko at mobile number… magagmit na kaya nila yun?
thanks worried lang ako..
@agie21: walang probema yan basta wala kang signature
@ann
try to fax yung mga letter of cancellation mo sa IC wag ka muna dumeretso sa SEC. wala pa rin bang reply syo ang PPLIC about the cancellation or invitation for conference?
lam nio di naman kayo maloloko kung magdesisiyon kayo,ganito lang yan,pareho me kailangan ng pera di ba b.tanung;bakit kayo pumunta?kasi curious kayo,bakit kayo nagstay at nakinig?kasi reasonable ang plan na binenta sa iyo,bakit ka pumirma?kasi nagustuhan mo yung plan,ngayon papacancel ka kasi nabasa mo mga blog nila dito?dapat sa umpisa pa lang alam mo na yung gagawin mo,disregard the msg or invitation.kung sa mall ka man,walang mawawala sa iyo kung tatanggi ka umupo at makinig sa kanila.mahabang process yung cancellations.im not an employee but i received the msg about the final notification…if interested ka you can go and if u like the plan then go pa rin if not can say it in a nice way.para di masira ang araw mu and di rin mabawasan ang card mo
VEY SIMPLE,DI NA MAGPANIC!!!
GOODLUCK TO ALL
AKO NAGPUNTA NUNG FRIDAY,TAMA KA,NASA IYO PA RIN ANG DESSYON KUNG GUSTO MO KUMUHA NG PLAN…
@ no friends:
Im also from cebu when this PPLI forced me to signed their insurance, in SM Cebu.. I immediately cancelled my plan after 5 days, u have to be firm by ur decision that u want to cancelled ur plan, they agreed to cancelled the plan after 3 hours arguing w/ them. you can also do it, talk to the PPLI manager in sm cebu. gdluck
pareho na naman kayo ng IP address ni AKI (110.55.95.229). hay naku naman.
kwento ko rin nangyari samin nitong last wed. lang. paglabas namin ng exit ng st. francis square meron na saming humarang ang name ng employee is Reagan. so di ko pinansin kso ung bf ko gusto raw niya ng freebie so sige. sinamahan nia kami papunta sa office nila sa Megamall A. Tapos ang weird pa dun e merong spiels. Pag tinanong daw kami kelan huling ginamit ang card sabihin last month. Pinilit raw ba sabihin hindi. Sinabihan ba na di ka obligado bumili ng kahit na ano sagot OO. Tatapusin mo ba ang presentation ng 45 minutes sagot OO. Eh bigla napaisip ang bf ko sabi nia ala kami ganong time. anong oras na rin kc nun. 7:45pm na at gusto ko sanang magshopping sa Megamall. Eh kaso si bakla sabi wala raw siyang kumisyon na 150. Kesyo un lang daw kumisyon nila. So parang nakakaawa so sumalang ako. Ang nakausap ko ung Carla. Kesyo nagtanong2 na tungkol sa life ko etc… As a Christian sa totoo lang nahintakutan ako sa mga sinasabi niya… Parang puro negative. Parang sinasabi niya na wala kang ibang aasahan kundi sarili mo lang. Kesyo baka sumakabilang buhay or bahay yang bf mo or kung magiging asawa mo man siya. At kung meron man kaung joint account baka magkahiwalay kau eh san mapupunta un. At kesyo kelangan mo raw ng mas marami pang insurance dahil baka magkasakit ka ng todo at di kayanin ng 10 insurance ang sakit mo. Eh nakakakilabot ha… Doon ako bigla natauhan. Kasi parang nagkaroon ng siguro ng intervention si God. Sa isip ko. Pano ko pagkakatiwalaan ang isang tao na ganito magsalita? Parang winiwish nia na magsara ang bangko, wala kang pera para sa Reserve Funds at mawala lahat ng insurance company pero sila lang matitira… eh nainip si bf pumasok… narinig nia lahat ng tungkol sa kesyo kelangan ng 6,650 para sa initial. tumingin ako sa kanya. sabi ko hindi. isa pa kahit iswipe nila un eh 2k lang laman nun. sabi ba naman ng Carla eh icheck na natin ngaun. kung ayaw talaga eh di uwian na tau… tignan mo kung magsalita diba? then 2,500 na lang daw… tumingin ulit ako ke bf sabi na nia eh Mam wag kaung tingin ng tingin ke Sir. Tanunging ko po kayo. Masaya ba naman kayo kung ma-avail nio to. Sabi ko hindi. Kasi wala sa budget. So lumapit na ung Manager niya. Nakiusap. Tulong na lang daw ke Carla kasi magiging Supervisor na siya at kelangan ng points. Kahit raw yung 365 na lang daw na plan. ANO!?!?!?! ng time na yun talagang na badtrip na kami ng bf ko. Yung bf ko tumayo na. Nagpaalam naman siya ng matino. Alam niyo sabi ng Carla? Bakit sino me sabing tapos na tayo? Kung di ba naman bastos talaga diba? Ang maganda lang samin eh tinatawanan na lang namin. Me gamot kasi ako na di binili nun para lang di ko maubos laman ng Credit card ko tapos ipapaswipe ko sa kanila. Sinabi naman namin na maganda pero pagiisipan namin. Kesyo wala na raw ibang time. Wala na raw slot. One time lang daw un. Dah!!! Pano sila magkakaron ng maraming client kung ganyan sila?!? Anyway nakalabas rin kami nabigyan ng pillow at nakapaglaro sa walang chance na spin the wheel kono nila na pipindutin mo ung screen ng monitor para mastop ang wheel… in short 9:00pm na kami nakalabas ng Megamall. Sarado na lahat ng store at di na ko nakabili ng gusto ko… Pero nagpapasalamat ako ke God kasi di niya ko hinayaan na maging mapusok at nakapagisip kami ng matino that time.
@pitygal: By the way, had cancelled my policy already just this month. I worried about the refund because the gay told me that I couldn’t get any refund from them. I keep on calling my credit card and the agent of my cc told me that I need to wait 30-45days to take effect of the transaction. I just hope that it will result into a nice output. Help me praying.
@arpee: hindi nya alam kung pano siya magsalita kasi iba2x yong mga styles nya. May pagalit, pinamabait at iba pakonsensya. Sana lang magkaroon sila ng awa sa taong bayan.
(1/3) Hi guys,
Same thing ung nanyari sakin…..
@ SM North(8:30 PM – August 23, 2010)
Magisa lang ako… Saturday night when i was looking for ATM kc wla akong cash.. bibili sana ako ng DVD before ako umuwi. Sa paghahanap ko ng ATM may guy ako nadaanan na sabi if may credit card n daw ako. Well ndi ko ugali sa totoo lng na magentertain ng mga ganun sa mall kc alam ko ngkalat cla. Pero un thinking ko nun time n un cgru isa to sa mga Bank agent n mgaalok ng CC kaya para matigilan lng ang sabi ko e OO meron. Pero dun nagsimula ung lahat. Lumakad pa rin ko forward away from him tpos narinig ko xa mam wag nio po ako layuan ndi po ako mgaalok ng credit card.
Aun…. nakuwa n nia na un attention ko kc hinabol nia ko at drecho xa sa pagsasalita na meron daw cla paraffle n Honda car tska may freebies pa cla na pwede ko pamilian. Umabot sa point n may finill-up-an n ko form para sa raffle and may game daw cla. Pero nimamakesure nia skn n ndi daw cla adun para magbenta ng kahit anu ang gusto lng daw nila gawin e ang makilala namin ung Company nila Philippine Prudential Life Insurance – PPLI. Tinanong nila if 18yrs old ang above n daw ako kc isa un sa mga qualifications tska if may credit card daw ako tpos kun pwede daw patingin. E since simula pa lng nsabi ko n may credit card ako pnakita ko na.. ndi naman nia kinuwa skn vinerify lang nia kun ako nga un. Sabi nia dalin daw nia ko dun sa office nla sa annex para maglaro nun game tas inulit nia ulit skn n introduction lng un gagawin nila sa loob at 45mins lng un. Nung papunta n kmi ng ANNEX sobrang machika un Agent ko feeling close nga e. Nagbanggit xa ng winners nila sa mga paraffle. Nun dumating n kmi dun may finillupan let ko may isa pa let cla paraffle TRIP TO MACAU naman pero mtgal pa daw un tas xa pa ung nghulog sa dropbox. Cnabihan ko pa nga na 45mins lng to a, lalabas ako pag sumobra. Wait lng daw ko para sa discussion, pati ung ibang employees dun ngsshare ng kwento winners nila. After 5mins sigru tinawag n ung name ko para pmasok at mgstart n ung discussion ng ibang tao naman to. Umupo kmi sa table tas may water and iced tea pa. After nia mgpakilala, ngstart n ung conversation sa pagtatanong nia bout sa info ko. One on one discussion to guys, mafefeel mo din tlga na kinikilala ka nun agent nla.. Napagusapan ung importance ng future,family and savings. Nkaready ung papers ang pen nia kc ngfflowchart xa. At ndi ko mabilang kun ilang beses kmi nghandshake sa pagsagot ko ng tanong s kanya. Mayat maya nga may ngsasalita sa microphone n parang pagwelcome nila sa mga nkakuwa ng policy nila at nabanggit pa nia na mamaya igaganan ka din namin. Hanggang sa nasingit na nia ung comp nila.. Pnakta nia ung BigBoss nla, ndi ko na nga maalala ung name e tpos sumunod ung mga bgatin nila na customers, mga bigatin na names sa politics and showbiz- Naneth Inventor lng un tanda ko. Nagbanggit na xa ngaun ng mga Policy n inooffer nila. Sa totoo lng ndi ako interested sa mga sinasabi nia, pg ngqquestion nga xa skn, ndi ko kinakareer na sagutin e. Simula pa lng ganun na iniisip ko n nagpunta ko para sa paraffle nla… Pero gaya ng sinabi nio guys nakakarelate tlga ko na na on the spot ako na naging mabilis ang lahat n parang nga nahypnotize ako na napaOO nla ako. May finillupan ako n paper n nkalagay ang amount n 14,010 n initial downpayment ko daw sa Endowment Policy n kukunin ko kapag pnayagan ako ni master card. Pnakausap skn un manager at inulit ung sinabi nun agent at dnala n ko sa cashier na inulit lng let un sinabi.. Ndi ko alam n un n pala un time n isswipe n nila ung card ko and then bnalik nga successful na daw.. Shocks bigla ko nanlambot nun pnasign ung copy nila ng trasaction. Ndi nga nila agad bngay ung copy ko e. tpos dun pa lng pumirma ng mga contracts. Tpos habang ngfifillup aun n nga. I belong na sa comp nila kc ngsuccessful sa cc ko ung 14k. After nun contract signing meron pa vdeo recording ng contract with CS nila.. Kumpleto tlga cla sa mga docs and evidences n makukuwa sau. Haiz.. at natapos kong lahat ng un.. Ngsisinungaling ako nun tnanong nila ko ilang beses kun happy ko sa decision ko pero ang totoo gusto ko lng mtpos ung pnasok kong un. . My bad. 10:30 PM n kmi ntpos at sarado n mall. Umuwi ko ng tulala at ndi mapakali hanggang sa matulog un ung nsa isip ko.. At nangstorbo pa ko ng friends ko kc ngiisip n ko n ipavoid ung transaction nun gabi n un.. Pati sa CC tinwagan kun pwede pa un ipavoid ang sabi depende daw un sa mapapagusapan namin ng insurance.. Ngdecide n ko n babalik ako knabukasan sa PPLI para ipavoid
(2/3)
.. August 22, 2010 around 12:30 ng tanghali nkpsok let ako at nkta ko familiar faces at nakakairita feeling ko lahat ng tao binobola nla. 4 n tao nkausap ko sa loob 1HR, 1CS, 1manager, 1SRmanager pero isa isa lng sa manager at sr manager lng un sabay. Hnahanapan nila ko ng reason bkt ko gusto ipavoid kc khpon daw maayos usapan at pumirma pa ko ng contract. So ngsabi ko ng reason ko.. Nagkainitan kmi ng CS nila kc pag tnatanong nila ko na feeling ko nirereverse psychology nila ko e bnabalik ko din s knya e.. Ndi daw valid reason ko, never daw cla ngvoid ng ganun transaction. Manger n pnakausap skn same manager kgbi un nkaharap ko nasermonan pa nga ko na alam ko daw panu sa isang corporate world indi daw pwede n once n may pnasok ako pag ginusto ko umalis aalis ako basta bsta. Na ndi ko alam sa sarili ko kun mapapahiya ba ko sa gngwa ko sa knla.. Sumisingit singit sa uapan namin sr manager nla. Hanggang sa npapayag ulet nila ko. At gmwa pa ko ng letter n icocontinue ko n ung Policy ko. Mejo nakampante n din ako kc ngpakta pa cla skn ng Statement of account ng sr manager n kht xa meron xang policy sa comp nla.. Naniniwala naman ako na existing ung comp nila at totoo lhat ng sinabi nila. Ang sakin lang kya ko bgla sumugot para ipavoid kc bgla ngsink-in skn n problema pnasukan ko kc ndi ko alam panu babayadan ung 14k n un. Magaling tlga cla magsales talk kc 2ndtime around npaOO n naman ako.. Ndi ko cnsbi sa parents ko un pnasok kong un, pero after nun paggawa ko let ng letter cnabi ko na. Pero sabi ng mother ko ikinuha nia kmi mgkakapati dati sa PPLI sa province nmin pero may nbalitaan nga xa scam daw kya ngpullout xa ng account namin. At meron n daw kmi mgkakapatid n Life insurance sa iba comp n ptpos n nila hulugan. Sabi ko oki lng pnasok ko na muka naman sila OKAY para din ma okay n ang lahat dapat. Kaso sa 2nd night n un ndi pa din xa mwala sa isip ko kya ngdecide n ko let na klangan tlga wag ko na un ituloy.
(3/3)
Be careful next time.
August 23, 2010 pagdating ko ng office inasikaso ko let xa. Nagsearch ako bout sa company actually number lng tlga nila ung gusto ko kunin para mkatawag ako ndi ko kc nagawang kunin number nila e wla naman sa OR n bngay skn, un lng kc naiuwi ko galling s kanila maliban sa freebies n wallclock. Kaso lahat nun number n nkalagay sa website nila ndi ko mareach. So nagsearch n ko ng iba pa bsta bout s PPLI at nakit ko tong site n to, ung worries nun unang araw n ngsign ko ng contract bumalik at mas malala kasi nalaman ko marami pala ko katulad at mas grabe pa skn at takot un una nramdaman n wla n ata ko pag-asa n mabalik pa un 14k, pero dahil sa post ng iba kun panu ko xa mareresolve aun, ngkaron ko ng idea kun panu na ung next step ko.
So eto na guys ung gnaw ko before pumunta sa5th flr – SM Mega Mall A :
1. Print Cancellation Request letter including a Valid reason effevtive today.
2. Call your credit card if napost na ba xa sa billing statement nio.
3. Call Insurance Commissionpara humingi advice kun anu dapat gawin kapag ndi cla mapapayag n iprocess un request mo. Bsta ask for an answer, think for a worst scenario pag n kaharap nio n ung PPLI {(+632) 5238461-70}
4. Be strong and firm kapag ready na kau. Magiging okay na ulet ang lahat.. Matutulad n kau samin n pnanindigan ang pagpapakansel.
Remember guys kun pasok pa kau sa 14 free look-up period nila para mahabol nio pa ung pera nio pabalik senyo… Goodluckguys! Don’t forget ung lesson learned d2.
SAMPLE CANCELLATION REQUEST LETTER to PPLIC:
(DATE TODAY)
Philippine Prudential Life Insurance
To Whom It May Concern:
This is to inform you that I would like to request the cancellation of my insurance Endowment Policy due to (REASON) effective today, (DATE TODAY)
Thank you for your prompt attention to this matter.
Sincerely,
(YOUR COMPLETE NAME WITH SIGNATURE ABOVE)
@maria: We both have the same experience. Right now I’m still waiting for the refund. It’s almost one month already.
Hello Guys,
At last naibalik n po yung money ko sa ATM.
Nag-sign ako ng policy sa kanila 8/1/10. I cancelled my account 8/6/10. Then nabalik po yung money sa ATM ko 8/19 wala pa pong 30-45 days sa inaasahan ko.
Hopefully, maibalik n din yung sa inyo kung talagang kinakailangan.
Goodluck Guys,
Mystique
@mystique: Lage mo ba silang tinatawagan? credit card kasi yong sakin eh. D pa raw na reverse sabi ng cc ko. hintay parin ako…7/24/10 ako nag signed up then I cancelled on 8/5/10.
hi, unfortunately, isa din ako sa mga na-lure nila para kumuha nung inooffer nila na plan. Ilang araw na nga ako nagiisip tungkol dito kasi naisip ko lagi na dapat nung nakita ko na iswiswipe na nila yung CC ko dun sa CC terminal pinahinto ko sila or diako nagsign dun sa CC slip. Buti na lang meron tong blog na to and nagkalakas loob ako na pumunta sa kanila para magpacancel ng plan. Mababait naman sila nung tinatanong nila kung bakit ako magpapacancel tpos nagaalok talaga sila ng downgrade ng plan, pero di talaga ako pumayag, sabi ko cancel lng. Sinabi pa nga nila upfront na baka daw may basa ako na blog and yung blog yung nagdiscourage sa akin para i-discontinue yung plan na nakuha ko. Nung nakita nga nila yung sample letter na ginaya ko sa taas eh tinanong ulit nila na baka nga itong ng sinasabi sa blog yung reason kung bakit ako nagpapacancel. Buti n lng may mga tips dito na dapat panindigan mo yung reason kung bakit ka magpapacancel kaya yun yung tinatak ko sa utak ko before ako pumunta dun para kahit ano sabihin nila, cancel lng talaga. And buti n lng pumayag sila na ipacancel ko. Thanks sa lahat ng tips!!!
hi guys,
its me again. Kakagaling ko lng ng megamall nidrop ko s knla ung contract na pnaLBC sakin khpon.. So ngaun pa lng mgstart ung 30-45days na CashBack. Sana sana maasikaso nila agad. 8/21 – contract signing, 8-23 – cancellation request letter. 8/25 – pending cashback. Bank to bank daw ung pagsauli ng pera.
@nird: Nabasa na kasi nila tong blog kaya may guts na silang magtanong sayo kung galing ba sa blog ang reason mo. I think people are no longer interested with them because they are bombarded through write ups. Sila ang may kakagawan nyan kasi eh…..The agents should be blamed coz of their bad marketing strats…..
@maria: I’m just like you, still waiting for the refund until now. Si mystique ang bilis ng refund nya. Let’s just pray nlang na marefund tayo…God is good…
@nofriends: After ko pa-nagpacancel hind pa ako tumatawag since then… balak ko sana after 30 days ko i-follow up kaya nagulat din ako bakit after 13 days nabalik na… debit ang payment ko savings PHP64K kaya sobrang tuwa ko nabalik agad. Siguro naging mas mabilis saken kasi nasa 15 days look period pa.
Hello, last sunday lang po augsut 22 naloko din ako ng PPL, magaling sila sa sales talk madadala ka tas nagkataon maganda yung nag entertain saken hehe, kaso sa tanga ko naibigay ko yung atm ko na debit cardyun nga Php 9,840 po nwala sa savings ko di ako mkatulog lagi ko iniisip bakit ako nagpaloko, tapos nitong august 24 din bumalik ako dun sm para ipa cancel yung policy ko, ok naman yung pag entertain hindi ako iniiwan, yun ngalang mapilit sila, tas daming tanong bakit kudaw kina cancel, pero hindi ako nag padala sa kanila cancel talaga yung naging desisyon ko, nag offer pa sila na kung pwede e downgrade nalang pero di talaga ako pumayag hanggang makausap kuna yung supervisor, manager paulit ulit parin sila sa mga sinasabi nila, pero hindi talga ko ngpadala kaya ayun kinancel, pinagawan ako ng cancellation letter after that binigyan nga ako ng SOA staement of account tas wait daw ako30-45 working days for chargeback., problema kungalang ngayon yung sa bangko kasi atm yung ginamit e debit yung pagkakaltas, tinanong ko sila kung inform kupa yung bank sabi hindi naraw kasi nga atm yung ginamit sila naraw bahala makipag transaction sa bangko., pero nag attempt parin ako pumunta ng bank, sabi kunga about sa cancellation nung policy ko sa PPLC ang sagot sakin wala raw sila authority pag dating don? what should I do? safe parin ba yung savings ko kahit na na cancelled na yung policy ko? help naman po diyan?
huwag kayong paloko sa mga taong iyan, naloko na nila akoa buti nlng hindi ako bobo kaya d ako pumirma sa pinapipirmahan nila para mkapag downpayment
I’m so thankful for this website. It saves me from being their victim. I am about to go to keppel today to claim reward. But I decided to check it out on the net first. And baam. Again thank you so much. Thank you to the LORD, for not letting me fall. I’m sorry about your experiences. I hope all you will get get your money back. PEACE.
@lanie: I was one of their victims in Keppel in Cebu. I had cancelled my policy already and still waiting for the refund.
hayst… grabe.. tuloy tuloy pa din pala ang ganong operation nila. Akala ko INSURANCE COMMISSION already reprimanded PPLIC with regards to their DIRTY marketing…
BREAKING NEWS; NABALIK na Ang PERA ko in 17 days……..SA WAKAS SALAMAT PO sa mga napost ng procedures. in fairness di ako nagfollow up after cancellation: Cguro the fact na maaga palang nagcalcel nako kaya mabilis.
Naloko ako ng August 4, 2010; Nagcancel po ako last August 10.3 methods and transactions ko for refund:
1. ATM – Credit reflection sa statement mo
2. CC – Credit reflection sa statement mo
3. Cash – check; babalikan mo sa branch nila.
Nagreflect na kanina sa accounts ko ang CREDITS. yung check diko na babalikan. 50php lang naman. ayaw ko na bumalik sa lugar na yun. BUTI nalang di ako nagcash ng bayad, kungdi cguro iitpitin yung Checke, hangang mabwisit ka.
Badtrip na rule yan.. 30-45 days, ano yun? idedeposito muna nila ang pera mo sa banko tapos kukunin ang interest at saka ibabalik sa iyo.
WAG KAYO mawalan ng pagasa; pero niyo yang pinahirapan
i got my money back and winithdraw ko na lahat from my atm kc may nagchcheck ng balance ko to think the card is nasaakin.. pano kaya nangyari un..hmmm anyway wats important eh naibalik na.. goodluck everyone hope soon maitigil na ung ganito
mga bro help kanina lang aug 28 na ganyan din ako sabi nila iiswipe nila atm ko for saving account titingnan kung i aaprove ng bangko na tanga ko binigay ko ayun nakaltas ng 18,700 tapos sabi ko bakit ganun ayun pala na avail ko na yung policy..ma rerefund ko pa ba yun?panu step para ma refund?tia
@gary:
I agree with you about our money that they will time deposit it to other back and they will give back to you after it will earn interest.
@concern:
Thanks nman at naibalik na sayo yong pera mo. Sa akin hindi pa.
@allen:
You still have ample chances to get your money back. Try to read the steps on how to cancel your policy bro.
Asar naman… I was tricked also… engot talaga… Sana macancel ko rin yung sakin, Buti maraming nagpost ng mga steps na dapat gawin. Kakafile ko lang kanina bukas papacancel ko na agad
Tanong lang, kung pasok pa sa 15 days lock period nila, mas madali kayang magpacancel???
gusto ko din pcancel un transactions sa cc ko kgbe lng, actually ang nswipe lng nmn sa cc ko ay un 2,565. kht d me kumuha nun endowment plan n cnsbe nla, tumagal kme ng almost 2hrs yta, sobrang kulit tlga nla, pti un manager kinausaup nko, sbe ko not this time, pg isipan ko p, so sbe skin kht dw un medical assistance somthing gud for 1yr nlang dw kunin ko w/ life insurance n ksma n worth 2, 565 nga tpos p-upgrade ko nlang dw pg decided nko, so pra mtpos n pumayag nko don, so un amount n un ang nkuha s cc ko, ang worried ko lng my pinapirmahan cla skin m pinalagay un card # ng cc ko pro nilagay ko lng sa amount n dpt bayaran sa knila nun cc ko eh un 2, 565, bk gmitin nla ulit un card # n un sa future transactions w/out my permission kht wla sa knila un card ko, ang ginawa ko plang hakbang right after pg uwi nmen kc pagod n din me dhil nga sa sobrang kakulitan nla tinwagan ko un cc ko n pcancel un card # n un at cnbe ko nlang lost card, pwede ko p kya mhabol un 2,565 kht my pinirmahan me sa pplic (sm north)kc sbe skin nun customer rep ng cc nkpost n dw un amount n nswipe sa cc ko at pcancel nlang un transactions sa pplic, p-advisan nmn po me kng ano dpt ko gwin, tnx po!
@missy… wag ka pong mamroblema… you are still covered with 15-day free look up period nila… GO! GO! GO! bumalik ka na po agad sa kanila and be sure to bring your cancellation letter…kayang kaya mo pang makuha! bilis na po…
nabiktima din ako ng PPLIC nung 8/26/10 sa SM. pagdating ko ng sm bigla ako sinalubong ng babae na itatago ko sa initials na sabi nya pra sa mga sm shoppers ang promo. libre lng. tapos nagtanong ko my credit card ako. sabi ko wla. then atm? sabi ko meron. tanong cya kong anu. sabi ko metrobank. ilan daw laman? sinabi ko ung laman tapos aun. pinafill up ako ng raffle promo. tapos dinala ako sa ofis nla. tinuruan ako kng anu sasagot ko. ang akala ko para sa comercial un. 45 min presentation lng daw. nagtanong ako sa front desk kng my script ba tong presentation. sabi nya makikinig lng daw ako at papanuorin nla sa TV. tapos aun pinapasok nko. sinalubong ako nga gay consultant na ang initials. pinalista pa sakin mga pangarap ko dn pinaswipe ung atm card ko to see f my laman..dn aun blah blah blah about endowment na. sabi nya ok lng f tumanggi ako. pro sayang daw kc 1 chance lng un at d na mauulit. d na daw pde mag apply ulit kc my account # nko. sabi ko malaking decision to at ayaw ko magsisi. sbi ny wla nmn mawawala skn. makakasave pa ko. uumabot ng lampas 2 hrs kc ang tagal ko nagdecide. nagpermahan nlng mga tao andun prn ako. tapos bigla umupo sa harap ko ung ibang consultant. dn after ang manager. aun naconvince tuloy ako. napaperma ako at nakabayad. tapos pagdating ko ng bahay nag research ako at nakita ko tong blog. nanghina ako sa lahat ng comments. natry ko ipacancel after few days pro aun naconvince na nmn ako. ang lakas ng kapangyarihan ng dila nla kaya nabago uli isip ko. dn humingi na talaga ako ng opinion ng mga nakatatanda skn. sbi nya since nagsisimula plng ako hindi pa ako handa sa mga ganyan. so nadecide na tlga ako i cancel at buo ang loob ko dun. hindi na ako nagsalita pagdating ko dun. pinakitaan ko lng ng letter of cancellation at aun. wla nang excuses. tinanong ako sa reason at sinagot ko. tapos pinagawa ako ng letter stating my reasons dn binigyan ako ng SOA. ung status ay CANCELLED FROM INCEPTION(CFI). at 30-45 days daw ung refund. sabi ng senior ko dapat hindi daw ADA kc hindi mo mamomonitor ung deduction sa account mo. kahit pa my SOA cla ipapadala hindi sapat un. hindi nmn all the time mamomonitor mo account mo. nasilaw lng tlga ako dun sa part na lolobo ung savings mo after 15 years. tsk tsk naging tanga tlga ako. buti nlng pumunta ako dun kahit sunday.
mali tlga approach nla. promo daw wla babayaran un pla ang laki ng babayaran mo kompara sa ibang promo. susugal ka ng malaki pra lng makuha ung kotse na 1 in a million ang chance???
@michael
pareho tyo ng situasyon. atm dn nagamit ko at nabigay ko dn ung account # ko. mabute pa imonitor mo nlng ung balance mo sa savings mo. dapat alam mo kung ilan diposits,withdrawal at kung ilan dn ung balance mo. pag nakaltasan ung balance mo pde mo nmn tanong sa bank kng bkit nagkulang ung savings mo. anyway CANCELLED FROM INCEPTION(CFI) ang nakasulat sa SOA mo at my date dn un. my proof ka na wla clang right kumuha sa savings mo. pde cla makasuhan kc pagnanakaw un. itago mo lng ung mga receipt mo sa atm.
at least yun ung balak kong gawin if ever magpasaway cla.
its a real dirty marketing strategy:)its shet
Guys,
Please help me, i want to cancel my account here, i know i am stupid pero na credit na sa akin P6,610, my fault din kasi naka sign ako sa docs. Please help how to cancel it and hindi na ako ma credit sa credit card ko monthly…today lang to nangyari. Please help and advise. blueicing12 is my YM ID..
Thank you
by popular demand: “Pano magpa-cancel ng endowment plan inside the 15-day free lookup period”
1. Print a cancellation letter 2-3 copies be specific.
2. Photo copy the plan documents and photocopy the reciepts for evidence.
3. at PPLIC; BE FIRM with your decision!!! kakausapin ka ng Customer service/ supervisor /Manager para incovince na babaan ang plan or wag incancel. Stick to your reason especially the 15-day free look up period clause sa agreement. dadalin ka nila sa kwarto at gagamit ng ibat ibang style para maconvince ka. sabihin mo nag-mamadali ka.
4. after the convincing is done;punta ka na sa cashier/customer service para iprocess yung cancellation request mo.
5. tapos iparecieve mo yung cancellation letter sa kanila
6. hintayin na maprint ng Statement of account with status :”Cancelled upon inception”
7. ANTAY mo nalang yung transactions ko for refund:
Kung ATM – Credit reflection sa statement mo
kung CC – Credit reflection sa statement mo
kung Cash – Bank Check; babalikan mo sa branch nila.
Gudlak sa mga naghihitay pa ng refund! sana maaga kayo magpakansel.
Thanks Gary!! wala pa 24 hours natapat pang Holiday i hope i can make it!! Major Major lesson ito!
@all:
Don’t lose hope! Do the cancellation and fight for the refund of your money. God and Insurance Commission are with us.
dpat sana mag pa-cancelled ng plan wag patagalin kasi pag natagalan mahirap na kunin,,,,nasa policies nmn tlga dba???wag kau kasi makinig sa iba na d nyo kilala kasi negative nmn tlaga cla…pano nmn ung positibo tlaga???naghahanap pa kau ng kakampi na d nmn nkaka2long…punta kasi kau sa ofis na malapit sa in.u…un lang….angas nyo guyz!!!!ako nga no worry about it,,…kasi alam ko safe pera ko kasi kahit mag sara pa ung PPLIC d nmn cgro mag sara ang BANKO SENTRAL dba????dun kasi nka save pera natin sa kumuha ng endownment plan…sa iba nmn na natakot na dhil sa blog n2…eh dpindi na yun sa in.u….bakit ba stil nag operate ng PPLIC for 47 years???gumawa pa cla ng ibang branch ng CDO din soon to be DAVAO,,,,,sabihin nyo nmn na mkakaloko n nmn cla ng bago????pinoy nga tlaga tayo noh…kasi pinaniniwalaan ntin ung experience ng ibang tao…feeling ntin f mangyari din kaya sa sarili ntn….sabi nga sa blogger na2…”the power of communication”….whatever…..!!!!!
naku, BEWARE PEOPLE OF DAVAO!!! Fishmaker, bakla ka ba? magkano na nakomisyon mo sa mga naloko mo?
@fishmaker
Hindi magkakaganyan yong reactions ng ibang nagpost dito kung hindi sila nakaexperience ng masama sa pagkuha nila ng policy. Kagaya ko, I had no question about PPLIC’s validy towards everything. The problem was, they promised me a wrong verbal statements which are stated in my policy they handed to me. Plus, more lies came to their mouths as we were talking even if I said I didn’t like the policy. There they started to talk more promises that caught my interest. That’s it, as to the service, no question but as to the marketing, well it’s true that they are having an unethical strategies. Sorry but that’s the reality. I was once a victim of that bad tactics.
I just hope that this company will last with a good impressions coming from their clients. I can’t tell what’s next to happen, but by seeing the styles you have, it’s a no no no to me at all…
corrections: in the 3rd row it should be “which are not stated”
napansin ko tlga strategy nla. their using using ambitions as your weakness. sasabihin nla “wla nmn mawawala sa inyo. makakasave ka pa. bat hihingi ka pa ng opinion ng iba? e future mo nmn to hindi kanila. alam ko nmn matalino ka. kaya mo na mag decision.”
its like brainwashing. napansin nyo rn ba ung mga biktima nla? ung mga baguhan at d nakakakilala sa company nla.ung mga kabataan.mga inosente gusto lng magpunta ng mall pra matanggal ng stress sa trabaho at pag aaral.
nung nagpacancel nga ako pinakitaan pa ako ng folder na naglalaman ng mga profile ng mga taong nag avail ng plan. pinakita dn ako ng mga article galing sa newspaper. dun nag congratulate ung mga tga gobyerno sa knila. my email dn cla pinakita. my nanalo daw ng 10000 dollars. sabi dn nya non ung 9835 daw na binayaran ko un daw pinakamababang intial payment na tinanggap nla kc ung iba daw millions pa.
mga plastic dn nmn cla. nong benetahan ako ang laki ng SMILE. pro nong ipinacancel ko hindi man lng makatingin skn ng deretso. at mararamdaman mo rn na pinag uusapan ka nla.
@fishmaker
anu masasabi mo sa pinakasikat na bangko ng US na nagsara?kng dun nga mayayaman mga tao. malaki halaga ng dollers nagawang magsara. dto pa kya sa pinas na maliit na value ng peso at kurakot pa gobyerno.the main reason why this blog exists is to let the people know whats happening. dba “we learn from our mistakes?”
one more thing. i think nagsinungaling cla nong cnabi nla na one chance lng un invitaion nla at d ka na makaka avail pag decline mo ung offer. kng d ako magkakamali nadulas ung dila nong manager nong nagpapacancel ako. ung tungkol sa email na may nanalo daw ng 10000 dollars. sabi nya nainivite lng daw un pro decline nya ung offer. “ngaun at nanalo cya ng 10000 dollers malamang mag avail ng plan un”.
so ibig sabihin nun…niloko nla tyo…pde plang mag avail ng plan sa ibang araw kahit decline mo ung offer nla ngaun.. panu kya nla pasisinungalingan to??? ung PPLIC agents jan anu masasabi nyo?? ayusin nyo sagot nyo ha. dapat convincing!!!!esep esep!!!
yong mga ate at kuya jan abangan nyo sagot nila ha…
Tama ka, yan ang isa sa mga scripts na di nila dapat makaligtaan kasi makukuha nila ang luob ng inosenteng client nila. From that instance, it’s already a mean of duping.
@nofriend
since sa cebu ka nabiktima i think were talikng of the same gay dude. kc nung pumunta ako dun 2 lng ung gay dun. ung isa chubby at ung isa skinny.
“talking” pla na mali spelling ko sorry.
@shhh
Yep you are right. So, did you get a plan from them also?
oo. dala ng ambition makaipon ng malaki. nagpauto tlga ako. nawala ako sa sarili ko at napaperma ng d nag iisip.narealize ko na mali gnawa ko nong umuwi ako. right now i’m still waiting for my refund. 30-45 working days processing daw. sobrang tagal nmn. sa ising swipe lng nakuha na nla pera mo. pro pag refund nmn sobra tagal.
@fishmaker
wala naman doubt sa legality ng PPLIC ang gusto lang naman i-point out ng mga bloggers dito ay ang MARKETING STRATEGY nyo na kesyo NO MONEY INVOLVED at for PROMOTION LANG NG COMPANY nyo kaya nanghaharang kayo ng mga taong nais lang mamasyal sa mall.Why not direct nyo na sabihin “Ay ma’m/sir , nagbebenta kami ng insurance ok lang po bang makinig kayo for 45 minutes expalin lang regarding sa different types of insurance na meron sa company namin baka po may magustuhan kayo. After that ma’m, you are qualified to join our raffle na may prize na HONDA CAR at may mga freebies pa kami para sa inyo for listening.” Mas klaro pa sya at di kayo nanloloko for saying, “Ay ma’m/sir, may credit card po ba kayo tulad ng visa or mastercard?( pag meron, ganito ang sasabihin nyo ) “ay ma’m/sir qualified po kayo sa raffle namin at ang premyo ay HONDA CAR at mabibigyan pa namin kayo ng freebies tulad ng bag, watch, thumbler, pillow etc.. kayo po ang mamimili ng gusto nyong freebiies.” Tapos saka nyo dadalhin sa office nyo. at isasalang sa ibang agent para dun sabihan ng tungkol sa savings at papakitaan ng mga taong nakapagavail na ng policy nila may malaki at mababang initial payment. At sa kalagitnaan sabihan nya si ma’m /sir kung pwede mahiram ang credit card nya at tingnan kung ma-APPROVED O DECLINED ang cc nito.
Tama ba yun?Sino sa tingin nyo ang di makakapagisip kung tama ba ang mga nangyari after nya mapirmahan ang lahat ng documents matapos maswipe ang cc nya dahil sa kabiglaan at kawalang kaalaman about sa mga pinagsasabi ng agent?at habang naglalakad bigla nya nalang naisip na kailangan ko na ba talaga yun?
Malaki ang differnce diba? sa pagiging totoo from the start at yung puro kasinungalingan ang ibubungad mo..
About sa pagpunta sa branch…Pag pumupunta sa branch nyo hindi naman nagsasabi ng totoo ang mga staff nyo dun.Nandun yung sabihan ka na hindi na pwede ipacancel dahil di na maibabalik yung pera pero iooffer syo ang downgrade. Oo nandun na tayo na kailangan nyo ng sales at makaquota kayo pero sana naman once na tumanggi ang policy holder nyo lalo na yung nasa freelook period at gusto magpacancel ng policy nya, i-assist nyo ng maayos at icancel nyo kung yun ang gusto nila hindi yung sasabihan nyo pa ng mga bagay na lalo nilang naiisip na mapupunta sa wala yung pera nila.
Dun nila naiisip maghanap ng paraan paano nila mababawi yung pera nila at mapacancel ang policy nila. Dito ngayon pumapasok ang blog site na ito.Sa site nato sila nakakita ng kakampi at mapagtatanungan dahil halos lahat sila dito ay pareho ng pinagdaraan o pinagdadaanan. At hindi nyo masisi ang mga bloggers at policy holder bakit dito sa site na ito sila nagtatanong..
@ marie
nice one marie! 100 claps!
ngaagree ko sau…
malaki ung difference nun sa simula pa lng alam mo na ung dahilan ng pagsama mo sa agent nila kesa sa sa end part mo pa lng malalaman na eto pala napasok mo…
tsktsk..
@fishmaker..
guilty?
masyadong defensive??
agent ka dun no??sang branch?
ha??
I am able to cancelled my plan na din sa wakas last August 31, after 2 days. I have to be firm lang talaga dahil madami pa sila sasabihin sayo, kung baga may kasamang panglalait keso bakit ako nakikinig sa iba at pakielam nila sa future ko..
30-45 days ang waiting just to be sure cancelled ung plan and stop all deductions.. Im not against the company but some of their people who are working there! Infairness sa marketing strategy ha effective napaka decieving. pero IT IS UNFAIR.. I wonder kung ano ano name ng company nila. Hinati hati lang para sabihin na malaking company.
anyway, wala na ako magagawa nangyari na its a major major lesson to everyone. I laughed nalang after– thingking kawawa ung agent ko nawalan sya ng client baka bumaba ung target quota nya mawalan pa ng trabaho, inintindi ko nalang na hirap sila maghanap kaya nila ginagawa ito, mahal pa ng pambili nila ng make up na ginagamit nila para sa picture taking..
Thanks to this blog
To the agent here.. goodluck sa quota nyo..yeah nakakabingwit kayo, saya ng araw nyo, umpisa lang yan.. tatangalin din kayo sa trabaho nyo dahil sa mga nag backout dahil sa wrong practice ninyo.. aminin! wrong practices…
i’m also a victim of this scam..shit! bumalik ako after 2 days to cancel my plan but they wouldn’t allow me so plan ko bumalik ulit with back-ups at may prepared letter..madadaya talaga sila!
@shhh
Kabaw baka nga gipanews sila. Hehehe bunga cguro to sa kalagot tungod sa bayot. Da tagam lage, pag-adto nko sa office nila, ingon dayon ang bayot nga “Sir, forced close na yong account mo dahil sa yong ginawa”. Boang bayota ako nuoy gipasinginlan nga ako moy nagpanews nila. Nikatawa ra ko! Ingon ko da mayra.!!!
@marie
Thumbs up for the explanation. Right now I feel pity for the Insurance Company. It’s better if they should stop that unethical strategy for them to continue their operation. Wala ng maniniwala sa kanila kung pagpapatuloy nila tong kasalukuyang ginagawa nila sa mga clients nila.
hello guys isa din ako sa na biktima nila grabe ang galing ng marketing strategy nila khit na ayaw mo sa una kpag kinausap kna nila puro na lng tama ang maisasagot mo kahapon lng ako naloko at nkapg charge sila ng P27,248 sa credit card ko ngyn nbasa ko itong blog n to and i’m fell very fool pra mapa2yag nila n iswipe ung credit card ko pero wla na akong maga2wa its too late na pra sisihin ko ung sarili ko ang dapat ko n lng gawin eh kung pano ko mapi2gil ung pag charge nila sakin. Base sa nbasa ko sa mga success na nkapag refund may few question lang ako:
1. San pwede mkpag download ng BDO Dispute Letter
2. Lahat ba ng pera nyo na refund nyo ng buo o ndi nila binalik lahat.
3. Ilang days bago ntapos ang problema nyo sa knila.
I hope sana mkpag bigay kayo ng tip hnggng ndi pa huli ang lahat sakin. Thanks
Hi Guys! Good thing may internet at nakapagresearch agad ako. Though I’ve been sick of scam messages coming in my cellphone from time to time. Just around 3:30 pm today, somebody named Louie Aguilar (0932-9270548, Sun Cell post paid ito)sent a message in my post paid sun cellular line about this scam. I’m just wondering how come they got my number considering I only got this plan barely three weeks ago. Seems like they have a “contact” inside Sun Cellular or Digitel?
Hi Guys! Please share this scam to to our families, friends, and everyone you know. This may be of help to warn them from these bogus people.
Thanks.
@nofriend
bsin daghan na kaayo nagpacancel mao kng kinsay makit-an mao pud ila pasanginlan.
@sa lahat
sa mga gusto magpacancel maghanda na kyo ng cancellation letter. state nyo na magpapacancel kyo effective (specific date) and no further charges to you account (atm,credit card, etc) and a refund of your intial premium payment last (date). lagay nyo rn ung reason kahit 1 sentence lng.
pagpunta nyo dun wag na kyo magsalita. ipakita nyo ng letter. wag na rn kyo tumanggap ng ice tea to show them your mean business. pag nagtangka cla mag explain sabihin nyo ur not there for an explaination. makakaramdam cla ng takot dyan. through my exp. un nagyari. sna makahelp.
@shhh
Basta lang mauhaman na ni akong problema about nila, di gyud sila magmahay nganong ila ko gibiktima.
hello nofriends..nabiktima pud ko ani nila.nagpacancel ko sa ako policy yesterdat.giubanan jud ko sa ako amiga (may pa siya, wala nailad)..bright ug maldita kaha ako friend.hehe..wait pako 30-45 days daw.huhu
to all victims who want to cancel their plan,give them the “L” word. L as in “lawyer”..haha..
ako friend nagpretend cousins me..anah xa family friend namo si atty espinosa, kanang naa sa sunstar..pwede ra mi ka text niya anytime..haha..which is true sa iya part..
@alexane
Asa ka dapit nabiktima? Ako sa Keppel IT Park. Dili mansad ingon nga nailad ta kay bugo ta, lahi lang gyud atong perception sa life. hehehe… unsay id nimo sa ym? pwede mangayo? I need someone to share my problem with.
My daughter and I went to Limketkai Center here in Cagayan de Oro for our regular weekend getaway when we were approached by an Agent representing Philippine Prudential Life. Allegedly, hindi daw sila iyong dating Prudential, pre-need daw iyon, so sige lang sinakyan ko na lang ang story line niya, na hindi ko sinasabi sa insurance industry din ako dati.
We were invited to their office to play a game, na ang prize ay kotse. I was not interested in the car, but was interested to know about their products for investment purposes sa mga anak ko. Prior to this, kinuha nila ang credit card details ko, bank account with BDO, etc. of course, hindi ko ibinigay, pero ipinakita ko iyong card ko at ATM, kasi nga I was in good faith naman and my intention was to buy a policy should I like the features of the product. Nagtaka lang ako why when we got inside the office, bigla na lang iyong supposedly “laro” naging purely business presentation at tumakbo na ang oras. Noong pakiramdam ko forced-selling na, I attempted to leave pero sinabi noong ahente na patapusin ko muna siya sa presentation niya. Naawa naman ako so sige pinagbigyan ko na, kaya lang medyo humaba na. I was trial closing for him as I told him, cut to the chase na, tell me about the product pero sales-talk pa siya so I decided to leave. Medyo pipigilan na naman sana ako, pero I made a scene na lol!
Before I went out of the office, doon pa lang ako “pinaglaro” by pushing some buttons, for those numbers na hindi ko personally ginawa dahil gusto ko nang manapok ng mukha. And before I left the premises, talagang I demanded my free gift, which was a tumbler (for shitty 1.5 hours, I got a TUMBLER! HOORAY!!!)
In fairness, masarap iyong free iced tea.
As soon as I got home, I phoned my credit card company at pina cancel ko ang card ko. Remember, hindi ko binigay ang details ko, but I showed my card so malay ko kung ala Bionic Man mga mata nila at na commit sa kanilang memory number ko! Buti ng maagap.
So there! Iyan ang experience ko. Panloloko na rin itong matatawag kasi I was led into something different from what was “promised” me di ba? Buti na lang hindi ako mayaman kaya turtle-paced ang pag dukot sa pera palagi hehehe
Hayan, naka Facebook na ang experience na iyon to warn my fellow Cagayan-ons.
Congrats pala sa owner ng Blog!
@christeine
They are really dupers, they promised you something but when you get there to their office, they will introduce another thing.
@no friends: traumatic, right? sa sm ko nabiktima.ahak ayo wui!ako mama gitawagan a few days ago..keppel daw dapit.may gani wla nipatuo ako mama..niadto ko sm ganina, naa sila dapit watsons kanang atubangan sa supermarket.ako jud sila gitas-an ug kilay.bantay na sila.ako ym diay kay blue16_anne..wait ko sa imo request..^^
@fishmaker: gusto mo ng mga pics? nagdala talaga ako ng camera sa loob ng office nila sa SM CEBU nang magpacancel ako ng policy. baka isa ka sa mga nandoon. alam mo, wala naman sa stability yan ng company eh. ang CAP nga, nag declare ng bankruptcy.. tanungin nga kita, bakit pa iba-iba name ng company? and oo nga pala, may tinanong akong isang agent na kumausap sa akin while nag antay ako sa mga docs. i ask her “bakit hindi ka nka uniform?” and she answered: “kasi po mag-iiba na po kami ng uniform so hindi na po ako nagpatahi” hahahahaha!!!kasi well-known na sila na mga scammers clad in GREEN. so baka mag change sila ng color..blue or pink na naman kaya..hmmm…tactics!!!aminin..
bakit unlawful ang strategy ng mga PPLIC agents:
1. pinapasign ka ng mga documents kahit hindi mo pa nababasa. doon lang nila iniexpalin after ka nah nka sign..
2. minamaliit kah..sinabihan ba naman ako ng assistant sales manager nang nagpacancel ako ng plan na “maliit lang naman na halaga ‘yan” — referring to my 28,204 initial payment!
3. kung may care talaga sila sa kanilang mga clients, dapat tinatanong nila if ok pa ba ang client in the middle of the presentation. kasi ako, nagugutom na ako ng time na iyon (pumasok ako sa office nila before 6pm, nakalabas 9pm nah!) at hindi nila ako pinayagan na mag CR!
4. sigurista talaga sila..sinamahan ba naman akong mag withdraw sa atm koh??pati sa loob ng CR??kulang na lang sumama siya sa akin sa loob ng cubicle eh.
ako po sa sm mega mall nagpa cancel wala pang 30 minutes ayos na siya pagdating ko dun kinusap ko na agad yung mga tao sa desk nila pero nung una di ako pina priority inuuna talaga yung mga nililigawan nilang mga customer kaya ginawa ko kinompronta ko na siya sinabi ko na nauna ako ayun inasikaso agad di na namilit na idowngrade na lang kaya after 30 minutes ayos na siya..
These agents were like trained unethically that is why they have no fear to tell lies. They can easily swipe or charge you to pay us upon getting the policy, but when times you are the one who asks favor from them, you are no longer the priority. Where is what you called “care”?
No more explanations needed.
I stick to it that you are damn bulls**t dupers.
You have no place on earth!
goodnews–> Nung dumating un bills ko ng CC ko nun Saturday, wala ung Endowment Policy ko sa PPLI.. Tumawag ko ngaun sa PPLI cancelled na daw ung Policy ko.. so happy…
wew wla ko interest na babayadan sa CC..
August 21, 2010 – Initial Downpayment of Policy
22nd of the month cutoff date in CC
August 25, 2010 – Request for cancellation of Policy
Sept 5, 2010 – CC delivery of bills
September 6, 2010 – Processed cancellation
Goodluck guys sa ngpasa na ng Cancellation Request.
guys…. wla pang 30 days n process n ung request ko.. mabilis lng pala xa..
palibhasa malaki nakukuha nilang comission sa mga naloko nila, tatawagin na nilang “maliit na halaga” ang 9k. buti kung napupulot lng sa damuhan ang pera. ung ilang buwan nating ipon ininsulto pa nila. sana nga ma hold up mga agents nila nang ma realize nila kung gaano kalaki ung perang tinatawag nilang “maliit na halaga” lang.
panu kaya cla nagdadasal? para mas maraming mabiktima? kng future natin ung inaalala dapat pumipili cla ng mabebentahan. ung mga mayayaman kc no doubt kaya nmn nila magbayad. hindi ung tulad natin na baguhan pa at konti plng ipon. pinakitaan nga ako ng document non. jobless pero nag avail ng plan. e hello!!! saan ka nmn kukuha ng pambayad ng plan mo kng wla ka nmn pera?? uunahin mo pa future mo kesa ngayon? mamamatay ka nlng sa gutom isipin mo pa future mo??
@maria
Sobrang bilis naman ng charge back sa CC mo. I envy you, because mine happened on July 24, 2010 and up to now my CC hasn’t reversed the amount they debited to my account. I called my CC today but the agent told me that she will forward the issue to their collection department and she told me to wait 3-4days. What the heck!! But yeah I need to wait. ^.~
@shhh
Tama ka! Pano nlang ang present natin kung inisip nila future natin. Mali parin ginagawa nila kasi namimilit sila at napipilit nman tayo. Basta more fault to them than us. That’s why I consider myself as victim.
@ nofriends
bakit ang tagal naman ata ng macharge back syo??? nagfax kaba sa cc mo ng copy ng soa mo?? kasi alam mo marami na ako kakilala na wala pang 30 days nacharge back na yung refund nila…
@marie
ang hiningi lng kc is yong cancellation letter tapos yong soa ko late na dumating tapos nakafax na ako ng dispute and yong cancellation letter
last saturday nag email ako sa customer service about sa cancellation ng endowment plan ko. nag reply nmn cla at confirm nla na na cancelled na nga ung plan ko. i check ko daw ung account ko for the chargeback.
gawin ko to bukas at magpost na dn ako ng updates. sana nga na chargeback na pra matahimik na isip ko.
@shhh
Iba situation mo shhh eh kc ATM yong pagkacharge sayo. Yong sakin is credit card. Tumawag na ako sa CC ko kanina for further update. Sabi nman na wait nlang ako ng ilang days kc di pa raw nagbayad ang PPLIC. Hinintay pa siguro ng PPLIC na ako pa ang tatawag sa kanila. Ang kapal ng mga mukha ng mga agents na yon.
Kahapon lng ako nag-avail pkancel ko xa now pls.help nmn po
I’ve encountered these people yesterday at SM north edsa. I went there with my friend just to get a drink after a hot 2 hours requesting papers from LRA. One of them approached us and talked all the tempting things in the world and of course me and my friend were curious about it all and thinking what could be the “catch” though it’s too good to be true but we still wanted to find out after all who wouldn’t wanna win a car and cash! sa hirap pa naman ng panahon ngayon…So we came with this shiela named Charito to their office and served us an ice tea, smiles, wonderful greetings and praises! One of the sales person interviewed me about my personal it must have been like half an hour of getting to know you crap but I’m patiently waiting for the “catch phrase” so I’m just listening to him and answered his questions and so there he goes the selling point of the insurance and explained it all that in the future in case something happened to the breadwinner of my family, I could still be financially free especially I have two kids and all the sentimental situations that might occur in the future…(fair enough)and I understood all that and agreed to the max. But here it is…when they ask me for my credit card and get me to sign a shitty piece of paper authorising them to debit/credit from it, showing me a folder contains nothing but a load of photocopied names of people, cheques with a big amount of money that they’ve recieved from this company……I thought “this guy think I’m stupid” and even worst the lady in the table next to me she must be around in her 40s was fooled and signed the damn thing and congratulated out loud using the microphone so everyone can hear by the agent who interviewed this poor lady! Of course this agent is so happy to announce it and rubbed it off to her colleagues face that she caught a fish! so after the announcement, this agent who interviewed me said that she wasn’t granted by the company because of her financial credibility…and I said she was just being congratulated you idiot then left the f—-n place. It’s a shame for these people who work for this company! Simply desperate to get a job!!!!!! I’ve waisted 2 hours of my time out of my curiousity and wanting to win which isn’t bad. I could’ve spend my time on shopping especially it was my first time in SM north edsa. But in the end they didn’t get nothing from me (almost)! I feel sorry for the victims I hope you guys will get your money back and be careful next time.
To all na gusto mgpa cancel here are the few step to follow.
1. Gumawa ng cancellation letter and state mo ung reason kung bakit ka mgpa2 cancel.
2. Pumunta ka sa brach kung saan ka nag avail ng policy at tip: much better pumunta kau kpag off nila pra ndi kna nila kulitin at gamitan ng pnibagong marketing strategy pra wag kng mag backout dapat firm kna sa decision mo na ipacancel na ung policy mo. In my case sa SM Megamall monday ang off nila kya customer service representative lng humarap sakin at dahil ndi sila train mag market ndi kna nila ku2litin na wag n lng mag backout. In just 20 minutes tpos na ang transaction ko sa knila.
3. Ipa receive mo ung cancellation letter na ginawa mo at humingi ka ng Statement of Account na ang status “Cancellation upon Inception” note: kung ilan ung receipt na issue sayo gnun din dapat ung bilang ng SOA mo.
4. Gumawa ka ng “Dispute Letter” sa Credit Card Company mo at ifax mo kanila together with “Cancellation Letter” na pina received mo sa PPLIC, ung “SOA” na may status na “Cancellation upon Inception” at 2 valid Goverment id’s n merong signature mo.
5. Lastly wait ka nlng kung kailan ma credit back sa C.C mo ung na debit sayo ng PPLIC. In my case 75 banking days ang sabi ng BDO tpos sabi nman ng PPLIC 30-45 working days ung kailngn kong antayin bago maibalik sakin lhat ng na debit sakin.
Note: Make sure na ipa xerox mo lahat ng document pra meron kng reference.
Sadly to say lng kse kailngan ko bayaran ung bill ko sa credit card pra ndi mag interest at mglalabas ka tlaga ng cash pero kpag balik sayo nun credit nlng sa credit card at ndi ko pwede ipa in cash pra maibalik sa savings ko ung iping bayad ko sa credit card bill ko.
I thought the meaning of insurance is giving us the feeling of relief and secure. What happens here is different. They make our lives more complicated. They ruin our simple lives.
i sooo agree with you nofriends.think about all the hassle and the inconvenience on our part..tsk3x
Indeed they are giving us stress. In the sense that, the victim is thinking if he has the right or valid policy after being forced to sign all the documents. This should has to stop.
Why does insurance commission approved this kind of strategy?
sad to say hindi ko pa na receive ung refund ko. sabi ng CS 30-45 days pa raw. hayzz its either obedient lng talaga cla sa rules nila or sadyang may maÑana habit lng talaga cla at last minute kung mag process.
HI guys.
m also a victim just last nyt at SM ANNEX. my story is same with evy1 hir, my mga products cla n iooffer for free, tas my 45mins n promotion, tas ask 4 you card, den sv i try i maaprove ka, tas un n SHOOT on their bait. but wat i did n iba s story ng iba is as in on dat very spot d aq pumayag n d mcanle or mvoid ung transaction n gnawa nla s card q, today b4 aq ng comment d2 2mwag aq s credit card comp, sv nmn nla n nvoid n daw ung amount n prev nswipe s card q..d tlg q umalis dun kht abutin p kmi ng 12AM, bsta mcancelled lng ung apolicy q. so thankful dun s customer rep. n ng inform n pde nmn nde kumuha or ivoid ung transaction, ung mga agent lng tlg ang prob, pro stl ng avail p din kmi nung MERCI card worth 2565.00, pero gus2 din nmen i pacancel, panu b ung ipapacancelled ung MERCI ung FREE ryd policy same lng din b ng process ng mga endownment policy?
ung merci xe gud 4 1yrs., accidental insurance lng xa. atlis mejo maliit lng xa compare s 19365.00 n una n credit s card q.
buti tlg, ng insist aq ipacancel. damn dos people, who benefit after other’s weaknesses. its not a sin to b weak, but taking advantage of those people was i tink led to sumting. lesser evil nmn ung n enroll nmen stl pera p din un, m glad GOD is good all time.
victim din po ako ng PPLIC nung august 21..nabawasan ng 10200 yung credit card ko,at ngayun dumating n yung bill ng cc ko..gusto ko sana ipacancel n kasi hanggang ngayun sobrang bigat ng loob ko sa pagkuha ko ng endowment policy nila…pwede p po kaya ipacancel yun kahit lampas ng ng grace period?yung nabasa ko sa ibang blog kelangan pa sumulat sa SEC ng complaint letter kapag sumobra n sa 24 hours kung magpapacancel…
please help me.anu po mga dapat kong gawin para macancel yun?
@adaug
Pwede mo pa yan macancel kaso nga lang prang meron ng penalty yan. Ewan di ko alam. Ako nga rin eh naghintay pa ng refund from PPLIC kasi sa Credit card din nila chinacharge yon. Nong July 24 lng din ako na biktima nila. Nagpacancel ako Aug 5
@nofriends
d ko kasi alam n puede pala magcancel,,anu ung mga sinubmit mo para macancel ung policy mo?anung mga letters ang dapat iprepare?
i’m planning to go to megamall alone to cancel my plan kaso ang sabi sa mga responses n nabasa ko if possible daw dapat may kasama kasi baka i-bully nung mga tao dun..d ko tuloy alam kung sino isasama ko kasi di alam ng family ko n kumuha ako ng policy ng pplic..sobrang ayaw ko kasi ng mga insurance n ganyan,,wala lang kasi akong magawa kasi naaprove yung cc ko nung sinwipe nila..
can i have a copy of the letters you submit to them??please..
thanks..God bless and Gudluck satin..
question. anu naman yung tinatawag nilang WEALTH BUILDER PLAN. na parang time deposit for 1 year. tapos may 8% annual interest daw. % years ka maghuhulog na premium. sa RAFFLES tower sila naka office. sa akin naman sabi nila promo daw yun ng mastercard/visa medyo dis oriented ako nun. lakas kasi ng scam attraction nila. di na daw sila tumatanggap ng monthly dertso cash or credit card lang daw. na engganyo lang ako sa 8% kasi mas malaki nga naman yun kesa sa bangko. kaya lang ay maturity na 90K? cya nga pala para kay fishmaker. eh mas matindi pa PPLIC kesa sa mga network marketing na scam eh. at least may tangible products mga yun. eh PPLIC bond paper lang na may pirma at OR ng payment mo.
ay oo nga pala pahabol may datamex scholarship daw kayo na kukunin. nakuha ko naman. kaya lang dami ko nang scholarship eh
@vrb2010
wala ka naman dapat ikatakot sa PPLIC kasi legal namn sila hindi sila scam pero ang mali lang sa kanila ang marketing strategy nila.
alam mo basta may available balance kapa sa cc mo maapproved ka talaga.uu yung ang sabi nila na 8% per year ang tubo pero need na mo pang hulugan ang 5-7 years yung monthly premium nila at bago mo makuha yung pera mo need pa matapos ang maturity nya which is after 15years pa.(ganyan yung explannation sa akin sa endownment plan)
@adaug
Simple letter lang ginawa ko, I stated there the reasons why I don’t like to continue the policy. Be firm lang kapag magpacancel ka kasi they’ll do anything to change your mind. Basta wag kana magpadala. They’ve lied to you once and that’s enough. Basta state lng reason sa cancellation letter mo ha. Look for a copy here, in the previous posts. By the way, I called my credit card today and the agent told me that it’s already been charged back. But I’ll make sure tomorrow since I was busy kanina sa work.
@vbr2010
Yan ang plan na nakuha ko sa kanila. 8% daw tapos upto 12% pa ang interest nya basta maganda raw economy. Pero nong kinocumpute ko, prang mas lugi ako eh. Kaya napag isip-isip ako na icancel nlng siya habang maaga pa. I don’t trust them the second time around.
@nofriends
kamusta naba ang charge back mo??mukhang galit na galit ka pa rin til now…yun talaga ang gusto nila itanim sa utak ng kausap nila pra maenganyo…kaya ayun dun pumapasok ang maling marketing strategy nila diba?bigyan ka ng mga maling information ng mgagandang ikabubuti syo ng plan na gusto nila ipakuha syo..etc etc para lang makabenta!
@adaug
kailangan lang na panindigan mo ang pagpapacancel mo pero dahil lampas kana sa grace period o freelook period nila mas mahirap magpacancel..hindi basta basta na magpapasa kalang at tatanggapin nila ang cancellation letter mo. marami kakausap syo at pagaantayin ka nila kung kelan ka nila gusto entertain.after nun depende pa sa desisyon ng management nila kung aprubahan ang pagpapacancel mo at kung maibabalik ang nakuha sa cc mo..goodluck po!!!!
hi, isa rin po kami sa naloko ng PPLIC, ask ko lang po if may naibalik na sa mga nag cancel ng policy? sabi kasi sa akin, ifoforward daw nila yung letter of cancelation ko sa higher ups at tatawagan kami para sa result. magtulungan naman po tayo para maayos na tong panloloko ng PPLIC na to, maraming salamat po..
@noel
kelan kaba kumuha ng policy mo? kasi mahirap magpacancel once na lampas kana sa freelook period nila.
sobrang naguguluhan n po talaga ako…due n kasi ng cc ko sa 23,,pero gusto ko talaga magcancel ng plan,,lagpas n din ako sa 15 days grace period nila…if ever po b magfile ako ng cancellation at bayaran ko muna yung bill ng cc ko makukuha ko uli yung ibinayad ko? hanggang ngayon kasi d matahimik loob ko sa PPlic n yan…
@ adaug
pwede mo namn bayran muna ang minimum amount ng cc mo..kung gusto mo tlga icancel ang policy then start writing a cancellation letter saka mo dalhin sa branch kung saan mo nakuha mo yung plan mo. basahin mo ang mga previous na blog dito…
sep10 nanuod kame ng gf ko sa the block. tapos inentertain namin ung isang naginvite sa Pru Life UK. ganun din may promo. vacation sa Boracay ata yun. sabi free Insurance walang babayaran. yun pala, yung pinirmahan namin is survey form lang daw. since marunong ako sa mutual fund, bond fund at stock market, hindi nya ko naconvince kumuha ng plan nila. pero maayos naman sila kausap.
Pagpunta namin sa SM North main bldg. nagtingin tingin ng condo at kotse. (6:00pm) ng ayun na. katabi ng kotse akala namin ahente eh PPLIC pala. (clarification magkaiba ang Pru Life UK at Philippine Prudential Life) ayun inentertain naman namin. dahil sabi mananalo kame ng kotse honda city ng walang obligation na magbayad at 45 mins lang. tapos dinala kame sa SM annex nainterview kame ng gf ko (magkahiwalay pa ang one on one) 7pm na. Maayos naman sila kausap pero hindi rin ako nakonvince dahil same reason ayoko ng inooffer nila. dahil may ginagawa na ako na pwedeng mas malaki ang yield. at yung offer nila hindi ako ang nagmamanage ng fund ko. good thing naturuan ko rin si gf kaya hindi rin sya maconvince. 9pm sabi ko ayoko na, inubos na nila oras ko. at dun na sila nag-iba ng attack, naging makulit na at hindi ko na makita na no obligation to pay. dahil namimilit na. Good thing may presence of mind naman kame at hindi naiswipe ang mga cc namin. Pero pag uwi ko dagli dagli ako nagchek ng HSBC. napaparanoid ako baka naisahan ako. pati si gf ko pinachek ko rin. hanggang ngayon chinechek ko pa rin araw araw para masigurado na walang nakuha. Ingat mga kabayan wag basta basta magdisclose ng personal info at ipahawak ang card sa iba.
@marie
The wound they’ve caused me won’t be easily healed. Ginawa ko lahat para lng macancel ang policy na nakuha ko sa kanila kasi sobrang hindi tugma sa ine-explain nila sa akin. I made things which were not really nice na dahil sa kanila. Pumunta ako sa Insurance Commission and nagreport ako dahil sa HUDAS na agent na yon. Sabi nya no refund daw kc dahil nag-avail na ako. D talaga ako mapalagay. I went to a local newspaper publisher and good thing, I had a friend there so I made my statement para mapublish yong issue. Yon don sila natakot kasi nabasa nila at nong pumunta ako sa office, sabi pa nman —”Sir bakit kapa nagpadyaryo eh alam mo nman na pwede nating magawan ng paraan yan dito sa loob.” Sabi ko, sir how many times I went here to cancel my policy and you weren’t able to accept my request? Sagot nya, sir nman, dapat hindi mo to ginawa kasi ma foforced close yong policy mo. Then sabi ko, The hell I care to you! Kung ganon, forced close na siya, pwede ko naba makuha SOA ko? palusot nya: Di po pwede ngayon kasi sira yong system…Sarap suntukin ng mukha! Buti nlang mabait at professional ako nakikipag-usap sa kanya. Pero yong na cancel na siya tapos on the next day nong tumawag ako sa office nila, ok na yong SOA ko kaya pinapafax ko nlang sa office nmin.
Kung hindi lng talaga manluluko yong agent ko, hindi sana magkakaganito. Tingin ko macontinue ko pa siguro yong policy. Thanks God na ganon ang nangyari.
@aduag
Meron kapang chance. Meron ako kakilala na nagpacancel more than one year na yong policy nya. Yong nakuha nga lang nya is 80% nlng. Buti meron diba? Work for it, go to insurance commission kung gusto mo magpatulong. Or do the same thing I did.
@nofriends
thank you…
is it okay though if i go to pplic alone?i really don’t want to bother anyone about my dilemma..
and letter of cancellation lang ba kelangan kong gawin?i’m really new to this..i’m super isnabera when i’m alone in the malls,,d ko lang alam kung ano pumasok sa ulo ko at inintertain ko yung staff ng pplic nung tym n yun…huhuhu
@ marie hi, halos 1 month na mahigit eh, pero kasi kinabukasan naman tumawag agad kami dun sa agent na lecheng agent ( jem anciro) pero ang ginawa nya lang ay i-delay kami. hanggang sa umabot na nga ngayon.. tapos last monday pinabalik kami, dami na naman tanong, pero parang walang assurance na maibabalik ung 19k namin. naiyak na nga yung asawa ko sa sobrang depression… kukunin na lang nila ng ganun ganun ung 19k namin? sama di ba? tapos tungkol dun sa pag defer sa CC. kailngan pa namin magbayad ng 3k at monthly fee, pero ang sabi ni jem anciro ay presyong kamatis lang daw ang aabutin nun, ANUNG KLASENG KAMATIS KAYA UNG SINSABI NG MOKONG NA TO??!
tulungan nyo naman kami, gusto ko na pa imbestigador tong mga to, email nyo po ako dito shadowmoon044@yahoo.com lagi po ako online sa mail chat. thanks..
@ no friends
tulungan mo naman kami mabawi yung nawala sa amin, guys, papayag ba kayong mawala na lang ng ganun ganun yung mga pera nyo? sabay sabay tayong pumunta dun para mawindang sila.. mas ok na rin kung may kasama tayong mas nakakaalam ng mga pasikot sikot sa ganyang bagay. online ako sa yahoo mail ngayon.
sa lahat pong kumuha ng pplic insurance s pampanga pwd nyo po b akong tulungan s pgbawi ng pera ko khpon lng po ako nakakuha..inabot ako ng 3oras at ngyn inaaway n ako ng asawa ko…bawiin ko daw un bka nmn po pwd nyo akong itxt 09082525656
@noel
gumawa ka na ng letter at iaddress mo ito sa Insurance Commission. makikita mo sa mga previous blog dito ang email add ng IC. Ikwento mo sa letter mo lahat ng nangyari mula ng ientertain ka ng agent hanggang sa pagtawag mo sa kanila regarding sa pagpapacancel mo…hanggat maari ifax mo yung letter at iemail mo din para sigurado..mejo matagal lang ang rely ng IC pero cgurado namn na tutulungan ka nila.
guys, may iba pa ba jan na gustong sumama sumugod sa office ng HINAYUPAK NA PHILIPPINE PRUDENTIAL na yan? miss na miss ko na silang lahat dun, lalo na yung lecheng agent na nakausap namin! hmmm!! sarap iihaw at ipalamon sa mga pating!!
@ baby anu nga pala nangyari sa lakad mo? update mo naman kami
hi guys isa ako sa mga nkapag pa cancel at nkakuha na ng money ko….wag kau mawalan ng pag asa..super abala nga lang peo once na npa cancel nio na…kulitin nio lang ng kulitin un hotline nila para ma i update lagi kau sa cancellation nio….MAIBABALIK UN PERA NIO bsta kelngan lang WAG NIO PABAYAAN LANG,,,,,gudluck sa lhat…..
@all victims
1.) Write a cancellation letter addressed to PPLIC’s management. (state ur reasons why you want to cancel the policy)
2.) Submit a complain to Insurance Commission if ever you have no guts to cancel your policy by yourself. IC will help you and advise what to do. (Make sure the content of your letter is convincing for them to trust you)
3.) Photocopy all the documents you have before surrendering them to PPLIC.
4.) Expect for alibi coming from the agents. They will say, you can’t have your money back, system is down, no manager would approve the transaction and all the lies. That’s what make them live in this world. They are more than a corupt polician.
Mga Sir/Ma’am,
tanong ko lang ho kung ito ba yung andun lagi naka ads sa panorama ng bulletin today sunday issue?
Nag apply kasi me at nagpadala cla mga documents for payments etc etc…
Appreciate ho kung may mag response agad sa issue ko ho…
Ingat ingat – nasa tabi lang lagi ang manloloko
Ka Joel
Shet kaka-victimize lang nila sa akin kanina. I insisted to think about it kahit overnight lang kaya lang they really wouldnt let me go. Ako naman si tanga kumagat din.
Bukas na bukas magpapacancel na ako!
isa rin ako sa na victim nila dito sa Cebu, yong office nila was located in Ayala. Share ko lang sa inyo yong kwento ko at sana may advice rin kayo sa akin… May tumawag sa kin thru phone call sa office namin, working hours yon pero i entertain the person who call me… sa PPLIC daw sila at nanalo daw ako nang scholarship good for 2 years in Datamex, hindi ko alam may Datamex school pala dito sa Cebu…they give me the address of their office, they also get my cel. no. just to inform me right away, dalhin ko lang daw I.D at C.C. ko for the verification.. Nong bukas na, at wala akong pasok sa work, pumunta ako sa office nila just to verify if totoo yong company nila, I doubt first kaya hindi ko dinala yong C.C ko. Company I.D, License I.D at ATM lang dinala ko non.. When i’m in the office nila, I submit my I.D and ATM, kaso humingi sila nang C.C ko, pero i said naiwan ko sa bahay, i said baka pwed nato kasi same lang yan na nagpapatunay na ako talaga yong person na bigyan nyo nang scholarship.. pero sabi nila hindi daw pwede kasi C.C daw batayan nila kaya nanalo ako, ni refer daw card no. ko pati na info ko kaya they reach me thru call… that day it’s a question mark for me.. but I said to them wala naman ako babayaran yan diba, sagot nila wala na, bumalik nalang daw ako at e present ko na yong C.C ko para makuha ko na yong scholarship. Bumalik talaga ako non at dala ko na C.C ko, nabigay naman nila yong scholarship at sabi sa agent umupo mo na tayo dito, Doon na ni present nila yong plan, Gutom na gutom ako non kasi it’s late dinner na.. pero tinapos ko parin usapan namin kasi madali lang daw yong e explain nya na policy, 1st explain niya sa kin may insurance ba daw ako, sabi ko meron na… kaya iba na naman sinabi nya.. meron ba daw akong savings plan na after 1 yr. pwed ako mag loan, sabi ko wala pa, so she give me a amount of almost 20k, kung kaya ko daw bayaran in full cash, sabi ko i can’t afford, then she give me another option that using C.C, sabi ko na if full payment i can’t afford again.. then she said pwedeng by monthly yong babayaran mo , so it’s around 1,800., e defer daw, hindi ko alam kung ano yong defer kasi bago palang ako sa C.C. at alam nila sa simula na bago ako sa C.C kasi sinabi ko yon sa kanila. then tanong niya sa akin kaya mo ba babayaran yan, na enganyo naman ako kasi i can afford sa amount at try ko rin maka savings at maka loan. Sabi ko sa kanya basta yan lang babayaran ko sa C.C ko in monthly, sabi naman nya “OO yan lang babayaran mo.”. kaya i agree, in just 1 minute swipe na agad yong C.C ko… and I’m confident that day na yon talaga babayaran ko.. After 2 days tinawagan ako sa isang staff nila na e defer ko daw yong amount, tatawag daw sako sa Credit Company. then I wonder bat may ganito pa to na dapat fix na yan. Nong tumawag ako sa Credit Company para mag defer(yong by monthly to pay). The Credit company denied my defer request kasi new member palang ako sa C.C nila, i can’t avail pa.. kaya don nawalan na ako ng tiwala sa PPLIC. I know alam nila na hindi talaga ako pwed mag defer.. they deceived me, I loss my confidence to them. last days i Cancel the policy kasi hindi ko na magamit yong C.C ko kasi overlimit pa. galit na galit rin yong parents ko nong malaman nila hindi rin nila magagamit yong C.C ko kasi overlimit din dahil sa amount na almost 20k sa PPLIC. maghintay pa daw ako not later than 1 month for processing sa cancel ko.. at di pa daw nila alam if i have my refund… I have my friends na nag advice pag hindi ko daw makuha yong refund… I will go to Insurance Commission para matuwid yong baluktot na strategy nila at matutulongon din ako.
Sana matapos natong kalokohan nila!
Meron nag text sa akin from Philippine Prudential, tawag daw ako sa kanila, when i called sabi nila nanalo daw ako ng lifetime insurance, scholarship sa datamex at voucher na 50K, when they are asking for cards na sabi ko hindi ako gumagamit ng credit card then suddenly sabi hintayin ko na lng confirmation message ulit, huh? ewan bahala sila…
wag maniniwala agad sa mga ganito
@x3r
Pareha kaayo ta ug experience. Diha pud ko sa may Ayala Compound nabiktima nila. I cancelled my policy on August 5, 2010 then I just got an information from my c.c that this immoral PPLIC has charged back the money they stole away from me.
Sus kung nakabasa lng ka sa akong mga gipadala nga mga issue sa newspaper dili cguro ka mabiktima nila. Kasagaran naa sa superbalita.
mga bro & sis, nabiktima ako kanina lang din sa sm trinoma annex, ang gagaling nila magsalita, simpleng holdup ang style. gusto na sana mag backout kanina b4 pa nila iswife ccard ko kaso dami sinasabi nung babae named “stef” kesyo para sa future ko daw un atr ng family. then ung iba nga daw na nandun nagpipirma n ng policy kaya ayun sa madaling salita napa OO ako. pero ang bgat ng dibdib ko at para akong naholdup na ang ipinantutok at ballpen at papel. ngayon di ako makatulog dahil dun, sana matulungan nio ko if you can give me a copy of your cancellation letter, then bukas na bukas din pupunta ako dun para ipacancel ung policy ko, malaking pera na din yung 16,800 ayaw ko nga sana umutang pero dahil dito sa PPLIC na ito magbabayad ako ng 1610 for 5 years at may intitial dp pa. grabe talaga sila mandaya ng tao di ka nila bibigyan ng choice. yung dating sinasabi nila na wala sila ibebenta sa bandang huli magiging pilitan na. ay yung mga pangako nila like cinema ticket biglang wala na. at panu ka nman mananalo sa dun sa tabyulo nila na nakakahilo abg ikot ng numero, puro kasinungalingan. sana matulungan nio po ako. ito po email add ko sana may magsend. coolminds_vin@yahoo.com
Just cancelled mine today (a day after I was victimized). No choice but to wait for 30-45 days for my refund.
Anyways here’s a sample cancellation letter (similar to mine). You may pirate parts of it as you wish.
—–
17 September 2010
The Management
Philippine Prudential Life Insurance
SM Annex – North EDSA Branch
To whom it may concern,
This is to officially request for the cancellation of my Insurance Endowment Policy effective today, September 17, 2010. I am no longer capable of completing my plan due to financial constraints (you may use a more convincing excuse here), and as per the 15-day free look period I understand that such request of cancellation is possible. Consequently, I’d like to request for a refund of my initial deposit and a copy of my updated Statement of Account.
Hoping for your PROMPT ATTENTION on this matter. Thank you.
Sincerely,
xxx
—–
Tip lang for those who are planning to pull out: BE FIRM!!! Insist on your right to have your refund if cancellation’s still within the 15-day free look period. The PPLIC (insert offensive noun here) will do everything to intimidate you and make you think that it’s impossible to back out since official documents have already been signed and so on and so forth. Intimidate them instead! Just speak authoritatively. I think it will also help to tell them in their face how you hate their marketing strategy and how you felt pressured/forced in availing of their services. Apparently takot din sila na mareport of these unethical practices (which is like ironic kasi common knowledge naman na ‘to).
Hope it helped. Goodluck.
comment lang about PPLIC’s staff esp sales agents (no offense to PPLIC employees who are avid readers of this page): you guys look so poorly compensated.
hehehe.
hi po
pakipost naman po dito yung customer service number ng PPLIC na located sa may Strata,.. tsaka kung sino din po yung pwede kausapin..
thanks po
@shucks
Not just poorly compensated, they are also unkempt. No personal grooming. They need personality development.
@nofriends
Hahaha, I couldn’t agree more. Even in business attire, they still look like monkeys. I think they’re hopeless, no personality development program will work for them. LOL.
@shucks
I saw one of their agents, he looked so pale. He’s like more in need with the insurance than me. But honestly, their customer service rep was pretty good looking. hehehe..She was the only one who showed difference among them all. Others have bad breath, pimpled face with more foundation in the face to make them look formal but turns out they look like ready to be placed in the casket. Hope by the time they will look for another agent, they select more groomed ones. Those who have the capacity to convince the client by their normal way of attaching the people. Those who don’t lie. I have so much disgust about those agents who lied to me. I wanna give them a clap for luring me. I don’t want to go back and punch their faces because I know there’s God who’s always with me, who will make them suffer more than the suffering they’ve caused me during those days. Thanks to those agent because I have learned a lot from them.
@nofriends
So the PPLIC scammers in Cebu and Manila don’t look that much different, I suppose haha. I hate their tiangge corpo attires, the monkeys simply couldn’t pull them off.
It still embarrasses me how they got me with their unethical marketing strategy. Minsan iniisip ko nalang na hindi naman ganun kasama yung experience. At least we learned something from it. In the future when we would already be dealing with larger sums of money and the same scam comes, we might shed much more than what we did IF THIS DIDN’T HAPPEN.
meron po b dito n nabiktima ng pplic n to sa megamall at nakapagpacancel n?please help me naman…namumrublema n talaga ako dun sa policy n nakuha ko..
hi. no friends. i just want to ask help some help, i have been a victim of this scam and i wanted to cancel my account. i need help. pls contact add me in your ym: pinkangelovely07.
thank you.
pina imbestigador na ng friend ko ang PPLIC..humingi na sila ng contact number ng friend ko..watch out ang mga agents!ADs kailangan nyo dba?well, i will make you famous!lintik lang ang walang ganti!
@shucks
This is really a good experience for us who are innocents. Whose only thinking is all about our family. We should thank them because they make us strong and more wiser(finding ways). hehehe..TAwa nlng ako ngayon kasi tapos na problema ko sa kanila.
@lovespink
Hello to you too! Wag ka mag-alala. Malaki pa ang chances mo na makuha mo ulit yong pera mo. Kelan ka ba kumuha? Basta bumasa ka lng sa steps pano magcancel at makukuha mo yon. Basta ito lng advise ko sayo, manindigan ka na ipacancel mo talaga siya. Wag ka matakot sa ano mang pantakot nila sayo.
@alexane
I wish imbestigador will help us and give punishment to those bad agents. They are not just swindlers but I can also say that they are killers. They kill a portion of our happy moments and that is consider as a sin.
hi guys
kailan kaya natin mapapanuod to? tsaka mas ok cgro kung kasama tayo para at least alam natin na may laban tayo.. palagi ako tumatawag sa office nila sa raffles pero nagtatago na ung lecheng agent namin eh. hayup ka talaga jem anciro!
helo guys,
I just received a text from Kimchie Roa. I won daw 3 exclusive rewards and priveleges from Prudential Life. I can claim it immediately at their Makati office located at Equitable Tower Paseo de Roxas. I have to bring 3 ID’s;Company ID, any Government ID and Bank Card (ATM/Credit card). Buti na lang before ako magpunta sa office nila nagsearch ako sa net and i found this forum.
Grabe, nagdahilan na lang ako. Sabi ko hindi ako makakapunta kasi may emergency meeting sa office. Tapos nagtext ulit sila sabi dated na daw yung rewards ko so pwede ko daw kunin tom.. Of course after ko mabasa to, di na ko pupunta.
buti ka pa acia, kami nauna muna mag approve bago nag research. damn.. hindi na talaga mauulit to..
Just like me. I searched after I signed and got a policy from them. Naisahan nila ako. Nahihiya tuloy ako sa mga friends ko nong nalaman nila na may PPLIC ako kc sabi nila pra na raw akong matanda kc kumuha na ako ng insurance. Di ko napagtangol sarili ko kaya pala merong mali. hehehe
hi all. just want to ask if any of you here had cancelled your plan and got your refund even if you had your plan 2 months ago? yet the monthly payment had not started yet.
Please advise. I got mine last July 31 and ’til now I haven’t file for a cancellation. I am planning to have it cancelled by next week ‘coz i still have to get all the documents ready. Any way the monthly payment will still be on November. Hope its not too late yet. Thanks.
hay naku napipikon na tlga ako sa kaka follow up sa refund ko.
eto email ko sa kanila last saturday:
Again I would to follow up my refund. I understand that the processing is 30-45 days but does it have to take that long? i cancelled my policy on the 4th day which is still within the 15 days free looking period. would it be possible for me to receive my refund before the 30th day?
eto nmn sagot nila:
You chargeback is still on process and waiting for it to be released. Please kindly call our customer service number 902-2300 for assistance.
anu area code ng # na to? tatawagan ko gamit cell ko. or else puntahan ko na tlga ung branch nila sa sm cebu at cla na patawagin ko dun..
ang tagal mag release samantalang isang swipe lng nakuha na nla ung pera.
just received a txt message dis afternoon at 2:09.from a girl named Ms. Nathalie De Guzman saying she’s from philippine prudential using the number 09065815213…this is how her msg goes: FINAL NOTIFICATION: Gud Day! This is Ms. Nathalie De Guzman from Phil.Prudential. your 3 exclusive reward and priveleges for FREE are still here in our office.you need to claim and activate today because the management will finalize all the records of our clients/recepients who dont claim their rewards. for your claiming code which you will need to present upon claiming; you may call us exclusively in our makati office from 9-5pm for further info,pls call 755-1532 upon receipt of this msg.thank you and godbless….
clap!clap!clap! very well said!scammers!
i replied sabi ko wat is phil prudential? how come i won such rewards when im not joining any raffles/contests nor a member of prudential life? (but before i txtd her, iv searched already re phil prudntial in d internet and found this site…)ayun, di nagreply ang bruha naisip nya cguro di nya ko maloloko…
@ nofriends – sayang ang pera natin.. naayos mo na ba yung sau? if hindi pa, balikan natin sila mas marami mas ok, online ako palagi sa yahoo mail. eto email ko, shadowmoon044@yahoo.com
@noel
I am not sure if my credit card company has reversed the amount but when I called them my cc they said PPLIC has charged back already. But for now, I have a peace of mind. Hahays..Thanks God. Don’t worry guys, ample chances are still with-in us all the time. Trust God always.
for those na kumuha nung policy and gusto ipa-cancel (from SM North) sabay sabay tayo pumunta dun pr magpa-cancel…
hindi ako makatulog sa perang na-debit sa acct ko nung Sunday (sept 19, 2010)…
email nyo po ako = kayle_04@yahoo.com
Question lng po…nabiktima din ako kahapon..kaso hindi naman ako nga avail ng any insurance policy nila..kaso bago magsimula yung presentation pinaswipe nila ung atm ko kasi requirements daw yun nila…pero wala pa ko pinipirmahan na auto debit letter or any authorization para sa bank ko…ito QUESTION ko: hindi ba mababawasan yung laman ng atm ko kahit na hindi ako nag avail ng any insurance sa kanila??base po sa experience nyo??salamat po..
@recomtech
Basta wala signature don sa mga documents nila at nag autodebit cla sa banko mo, malaking kasalanan yan sa part nila. Pwede mo silang kasuhan ng robbery…
Just got my refund last week. Thanks guys for the help.
I was a victim too of this pplic scam..scam coz it’s against my will to avail it..Nakakaiyak pa, am 6 hrs away from sm san fernando branch, tired,sleepy and hungry, and i wasn’t that aware of what am doin. Please help me naman how to cancel and get my full refund. Im online now..
@recomtech , kung ATM mo ung naswipe..it will ask for ur PIN..so kng d mo ngwa un..wlang mbbawas..unless credit card un..isa rn akng nbiktima nyan..last aug17..nito lng…grbe tlg un..ngpost aq d2 n dn…thankful aq..kc nbalik n rn ung naswipe nila s credit card q…buo ang amount..kya s iba….bsta gumawa n kau ng letter of cancellation at na-acknowledge ng prudential un…ok n un..wait n lng ng 15-30 days..patience tlg nid natin d2..pero ok nmn…sooo sooo hapi..nbalik n ung pera q…
@DADA, i knw hw u feel..kaht aq mn..a month ago..sakt2 ng ulo q..d q maicip n naloko q..at kaht s pgtulog naiisip q p dn..chillax…God is with us…what i did was the ff day i signed that policy, i went back to sm megamall..i wrote my own cancellation letter stating my reason..juz b firm lng n u want it to cancel..make sure 2 copies pra maipirma mo ung isang kopya mo from dem…normal process s reversal ng payment ng credit card is 30-45days. tas uwi kna..wait 30days…pero ang gnwa q..ung other copy q..pinasa q mismo s main ofis ng bpi.kc un ang ccard q.sbi nmn nung agent ng bpi..wait tlg ng 30days mor or less…nid tlg ntin mgantay..so after a month, ng-email aq s prudential..ngreply cla..sbi naprocess na..according to bpi, pg may copy k nung reversal payment from prudential pde ka humingi ng copy nun at send mo s bpi..pde ung ccard company mo ang mgpprocess na…at sep20..nabalik n ung pera q..no mor no less…happy xempre…atlast..tas bnalikan q ang blog n to..tsk..may nbbiktima p pla..i hope this one enlightens u…tc
@ xyla
thanks. wish me luck. Am gonna cancel it today,post ko my latest update.
@DADA…yeah…go go..kaya mo yan..then lets to the count down..:D
hi guys!
tumawag ang PPLIC sa akin kahapon, sabi nila na approve daw yung request for cancelation ko at marerefund ko yung buong 19k. whew! nabunutan ako ng tinik sa lalamunan.. sana nga totoo to, well pupunta kami mamaya para isubmit yung original copy ng transaction receipt. kailangan daw nila yun at magsisimula pa lang yung processing days na 30-45 days once na mareceive nila yung complete docs.
kaso… bago pa lahat yan, naiyak muna yung misis ko sa conference nila nung mag set sila ng appointment dahil ayaw nila magpacancel kami. ginawa nila lahat para hindi kami magcancel, nag offer ng kung anu-ano.. pero stick pa rin ako sa maayos na pakikipag usap.. ayoko kasi magalit baka lalo nila idelay yung pag process…
kaya wag kayo manghingi ng STRENGTH kay GOD pag pinagdasal nyo yan, kasi kung strength baka maihagis nyo ang lahat ng employee ng PPLIC, hehehe… manghingi kayo ng mahabang PATIENCE. HEHEHE.. patience ang kailngan natin.. ^_^
2 weeks after nila mag set ng appointment, tsaka sila tumawag. pero nag fofolow-up din naman ako. tapos gumawa ako ng letter dun sa insurance commission at naka CC ang main ng PPLIC..
yun lang guys, update ko lang kayo, baka may mapulot kayo.
once marefund na nga namin lahat, mag post ulit ako. by the way, dun nga pala ako kumuha policy sa raffles.
thanks!
nagtataka na talaga ako sa PPLIC kung bakit ginagawa parin nila itong bad strategy nila tapos pag meron magrequest ng cancellation, approve nman nila kaso nga lang yong refund darating after 30-45days. Can they get a profit from our money?
hello,
Nadali rin ako nila nun Sept 23,2010. Then after reading some feedbacks about them ngpnta ulit ako sa sm megamall on the 24th pra ipacancel.thta day rin nacancel yun plan ko. nareceived ko yun SOA na ang status e cancelled na, then un intial deposit ko sabi bank to bank processing raw 30-45 days ang processing. but the prob is ngreflect na yun intial deposit ko sa credit card ko and and due date ng cc ko e is on the 15th of oct. pano na yan, need ko n tlgng byran un cc ko kpg hndi p nila ito naayos before on the 15th of oct. pno un? edi dpt mgrefund ako sknila kpg gnn po. open b sila ng sun?? thanks ang skit sa ulo nila
@girl123
Wag mo muna bayaran cc mo. Ganyan din yong sakin. Hindi ko binayaran kasi pag maresolve na yang problem mo, automatic reversed din yon intrest sa cc mo. kaso nga lng hindi mo magamit cc mo for the mean time kasi tingin ko yong collection department ng cc natin wlang idea kung anong nangyayari eh sila yong nagpapadala ng mga notice about sa utang natin. Sa agent lng kasi tayo nakikipag-usap lage kaya ang agent yong may alam.
Yong sa akin hindi ko binayaran pero nagpadala sila ng sulat na pag di ko raw bayaran, stop muna raw nila yong cc ko for 1 month. Eh ngayong nagcharged back na ang PPLIC, hintay nlng ako ng ilan pang mga buwan para magamit ko ulit cc ko. Pero gusto ko d ko na siya gagamitin.. hehehe yong iba nlng na cc ko…
But thanks God ok na at resolve na problem ko.
Mga manloloko, hinihintay na kayo ni satanas sa impyerno.
anyone can help po knina lang ako napasali sa ppl sept26,2010 and now gs2 q pong marefund ung dnown q na 6650 ano po ung step by step n nid q na gwin at wat valid reason ang magndang ilagay sa letter of cancellation,, pls help
@nofriends
i think,,they still get profit from our money..sa dami b naman ng naloloko nila puede nila itime deposit yung nakukuha nila kaya tayo pinag aantay ng 30-45 days..
@ xyla & nofriends – naswipe po atm ko and napasok ko ung pin nya..pero balance inqury lang ung ginawa po…wala po akong pinirmahan na any documents maliban dun sa PERSONAL INFORMATION SHEET…pero ung auto debit authorization at ibang papers wala po akong pinirmahan..paglabas ko po ng PPLIC ngpalit agad ako ng PIN and after 2 days of no sleep winithdraw ko lahat ng money ko dun sa ATM ko na na swipe para makasigurado…hay daming manloloko po…MAAWA SILA SA TAO!!!
@adaug
Kung pinagkikitaan nila yong mga inosenteng-tao kagaya natin, tiyak ang tindi ng karma nila. We hardly earned our money but they just steal it easily.
@recomtech
Tingin ko wala yan! Takutin mo sila kung meron mang autodebit. Or report mo nlng sa banko mo na hindi valid yong transaction kugn meron man.
tumawag ako sa hotline nila knina pra i follow up ung refund ko. sabi nila naipadala na daw ung chargeback sa BDO at since metrobank ako aabutin ng 1 week bago mag reflect kc bank to bank ang processing.
@recomtech..gnun ba?! wla clang nkuha sau tingin q..oo tama lng ung gnwa mo..tsk…sna wla n clang maloloko pa..tsktsk
wag kayo papayag.. magreklamo kayo sa insurance commission or sec… pag d ibinalik ang pra nyo.. marerefund yan.. takutin nyo din cla..
korek ka jan @nofriends..hayy..bakit kaya may mga taong kagaya nila….salot sa lipunan..mga manggagamit..pagkatapos nating maghirap para makaipon,, kinukuha nila ng isang iglap lang..
beware na lang po sa lahat….stay away from PPLIC..
I really wonder bakit hanggang ngayon ai di pa sila natitiklup ng kinakaukulan? I mean? Hello? Madami na silang nabiktima and they should be put in jailed.
I think ang company is supported by Monkey Gloria Macapagal Arroyo. Nakita nyu ba yung mga posters with the Ex president gloria?
Sana mamatay na sila. At masunog na sana sila sa empyerno.
Manang mana talaga sila sa ex monkey president. Ang galing magsalita in public. Ala Santa santita, demonyo naman sa corruption. lolz
@ comment number 79: Mamatay na sana pamilya mo hudas ka!
sa totoo lang i think PPLIC is used to all those clients/victims cancelling their policies. pero have you ever thought bakit 30-45 days pa bago makukuha ang pera? most probably, they’re already investing our money somewhere and in days, tada, may interes na. the interest goes straight to PPLIC’s mouth! MAUTAK TALAGA SILA. and the victims, parang nagpautang lang ng walang interes. but anyway this is much better than not cancelling at all.
i suggest that we post here the names of the monkeys (agents, managers, whoever) who victimized us. just so everytime they google their names, they’d be reminded of their evil deeds and finally quit doing it out of shame. hahaha
Leading the list: LEONEL (LEO) MALLARI of the SM North branch. hahaha.
initials muna lagay ko until i get my money back
B.V. branch manager sa SM cebu
R.A. yong agent na nagbenta sa akin
these are the people behind the scam http://www.facebook.com/home.php?#!/pages/Philippine-Prudential-Life-Insurance-Co-Inc/242328064259?ref=ts
how sad…ang cnn’s hero efren might be one of them…
Hi guys as of today sabi ng customer service wait na lang namin ung refumd. Sana buo un. To all, marerefund nyo yan handa nyo lqng ang sarili nyo kasi susubukan talaga nila kayo.
tama si SHUCKS ginagamit ng PPLIC ang pera ng mga naloloko nila bago ibalik..kaya 30-45 days bago irefund…HOW??they will invest it sa STOCK MARKET lalo na ngaun maganda takbo ng investment sa STOCKS..kaya bago pa man maibalik ang pera ng mga naloko PINAGKAKITAAN na yan ng GAGONG PPLIC NA YAN!!!
Grabe sa tagal na nilang nagooperate hindi pa rin sila natitiklop ng mga kinauukulan. I think meron silang protector. Nakakapanghinayang na ang mga scenariong tulad nito sa Pilipinas. Out government can’t even give justice on this. Number 1 sa Christianismo, number 1 din sa corruption. Sana lang hindi sila mamatay agad at masunog sa empyerno. Kasumpasumpa talaga ang panloloko ng Philippine Prudential Life Scam na ito.
Muntikan lang po kami mabikta…pero nakaka disgust talaga sila. Kawawa naman ang mga nabiktima nila.
On the other thought… Huwag naman sana umabot sa punto na may mga taong magisip na ipasalvage sila o kaya taniman ng bomba ang kanilang office…
huh… mabuti nagbasa ako ng mga blogs nyo. Grabe i’m one of the victim ng PPLIC sa SM Mega Mall last Sept. 24, 2010,
hu hu hu…
nung una pa lang di na talaga ako makatulog kaya kinabukasan nagpunta na agad ako sa BDO kung saan dun ako may ATM account, sabi nila kung may pinirmahan daw ako policy ay sigurado na authomatically makakaltas yung amount. Akala ko naka insured nako, SCAM pala. Now i decided to cancel my policy s PPLIC.
Thanks!
hi all,
i was able to cancel my pplic last sept 24, 1 wk after i was forced to get..without any protest from pplic personnel of pamp. bt am still waiting for this refund. Guys, sino ang dapat kong i-follow up with my refund pala.. that’s true, napapakinabangan nila ung pera natin, pag pinagsama sama lahat ang nakukuha sa atin within 1 day, nakainvest na yun agad.Mauutak talaga…sa mga di pa nakakakuha ng refund, lets all pray na maibalik na ang money natin..
hello there…
Few hours ago, nalure din kmi ng friend ko ng pplic sa sm north. After 3 grueling hours, nakunan ung cc nya ng 14k..huhu midnight na di parin ako matahimik. Buti nlng nakita ko tong site na to. Today balik kami dun armed with cancellation letter and ideas from this site. Hopefully maprocess agad xa.. Salamat po sa lahat ng nagpost dito… God bless us all..
@ jing
hi. be sure na ready ikaw at ang kasama mo. kasi ggawin nila ang lahat para hindi kayo magpacancel.. mag oofer sila na i downgrade yun. at syempre, mahabang tanungan yan.. good luck!
kami na approved na ang cancelation letter. waiting na lang kami for the refund. CC din kasi ang gamit namin kaya sa CC din babalik..
OMG! ang dami dami na pala nabiktima ng PPLIC. babalik ako today sa PPLIC SM Pampanga Branch to cancel my plan. sana maibalik ang pera ko thru credit card or kahit ako na lang kumuha sa office nila. hindi ako makatulog ng maayos since Sept. 30, 2010 until now sa sobrang kaiisip sa PPLIC na yan. salamat blog na ganito kasi kahit paano nabibigyan ng lakas loob ang mga nabibiktima ng PPLIC na makagawa ng move. God bless us all.
THEY REALLY SUCKS!, THEY STEAL OUR MONEY, OUR HAPPINESS..
MERON PO BANG HATE PAGE ANG PRUDENTIAL LIFE SA FACEBOOK? LIKE KO SANA… MGA MANLOLOKO!… SANA MALASON KAYO SA KINAKAIN NYO.. KARMA NALANG SA INYO!
hello po, i need some information. isa din ako sa naloko sa PPLIC. last year na carried away ako sa explaination sa sales rep nila not to think na marami na palang naloko sa insurance nila. I am presently working abroad, then at that time last July 2009 namasyal ako sa Sm Cebu same story sa mga na experience ng iba na convince ako na pumunta sa office nila. To cut the story short in few minutes sa katangahan ko na debit ako sa credit card ko 85,000 pesos then sa monthly ko ng almost 8,000 pesos. Not knowing na pag kumuha ka ng insurance it goes by units. Yung ino offer po sa akin is 100 units. Pag uwi ko sa bahay nung nalaman ng kapatid ko sinabihan ako naloko ako. So the following day bumalik ako sa office nila kinausap ko yung manager nila di na daw pwede i cancel pero pwede ko daw i lower yung units up to 50. ayaw ko pa ring pumayag pero wala na daw silang magawa otherwise di ko daw makukuha yung whole amounth na 85,000 na na credit sa akin throug my credit card. nagalit si mister at every now and then kung napag usapan about insurance napupunta nalang sa away. At the moment I am paying 4,600 pesos pero gusto ko na talaga i cancell ang policy ko pag uwi ko sa Pilipinas dahil di ko na kaya bayaran. I’ve got 4 years to pay pa at malaking chance na mag end of contract na kami. Please do give me some advice panu i cancel yung policy ko na makukuha ko yung amount na contribute ko since last year. Do I need to consult a lawyer in Cebu. Thank you so much. pls email me ma_astra@yahoo.com
Meo na sa facebook tungkol sa PPLIC scammers… be one of the members and like its page… spread the word… para wala na silang maloko…
tama si shucks!post nyo names ng mga agents dito..
AGENT: RUFILMA MATEL
Nice article! I agree with you.. Unfortunately I was not able to get away from their sales talk (stupid me). So what I did I just paid the 500 pesos dental insurance and walked away instead of paying 9k to 16K initial. After that day, I created a new account and asked a new passbook from my bank instead of maintaining my debit card, I made this because they swiped my card, you know, they all have my info, and can have an easy access to it. People should be aware of this!
Isa pa pala, binablock nila ung mga calls kung nasa loob kyo.
Agents:
Jo – Girl SM Cebu
At ung baklang kumausap sa akin limutan ko lng name, ilongo daw xa. sounds like easter ata.
Thanks
Sorry, ung bakla ang ngrecruit, at c Jo nmn ang kumausap sa akin sa loob ng office nila.
hi. pwede pa pala ma cancel yung sakin although its almost 2months since i got the policy before i gave my cancellation letter to them. I got it last July 31 and I passed the cancellation just this Sept 28. the CS rep told me that I will be given refund but a deduction of 800plus for that 2months daw that I am secured with the policy. Ok na rin sakin yun at least hindi half or a percentage of my initial payment. but right now I am still waiting for the email of that CS rep which is a copy of the request to the bank for refund daw. haaayz… goodluck to all.
Post ko bukas yong names ng mga kumag na yon!
Ano nman ang mangyari kapag nakilala na sila? hehe
@auie- nakapunta knba sa sm pampanga? napacancel mo nba policy mo? nakakuha din kc ako dun and i was planning to cancel it too. paupdate nman ako what happen sa cancellation mo…thanks!
i was also a victim of this. 12,400!!! i really feel na scam ito dahil kung hindi, and if they have a high regard for their company, hindi nila pipilitin ang mga tao na “MAG-ENROLL” sa plans nila. I mean, hello? A few hours of talk and they expect people to come up with a decision? Kung makapagdecide man, siguro dahil lang na-mesmerize sa mga “pang-uuto” nila.. napaisip ako bigla dahil nung nag-totalk sakin, iba yung explanation, and when i was reading the longer document that i was required to sign (which was given to me after they swiped my card, by the way), iba na yung mga nakalagay. i mean, WTF? hindi ito yung inagreehan kong terms! that was when i realized na i was scammed. and yung nakalagay sa “document”, i was only paying for 9k++ pero 12,400 (which, by the way again, more than 12,400 when i checked my balance in HSBC online) yung binawas sa card ko. so where did the 3k++ go? in their pockets?
out of respect, i told them na lang na “the policies are interesting, it’s just that i don’t think i can pay 12,400 in an instant”. hello? nasa sm ako to shop. and all of a sudden, nawala yung 12,400 ko! i told them na “i may just come back next time na lang to avail your plans” pero guess what they told me? one time opportunity lang daw and once i was invited and did not avail, hindi na daw pwede. another WTF moment! sinong matinong company ang tatanggi sa ganun diba? now that i’m seeing all the feedback in the internet, narealize ko na they’re afraid that i may find out about them and hindi na tumuloy.
pero 12,400 is really mabigat sa bulsa! so i insisted to cancel, hanggang sa finally, pinayagan na nila ko. i made them give me a void slip and i made a letter saying that i am canceling my plan. pinapirmahan ko rin dun sa isang agent dun para noted.
until now, floating pa rin sa cc ko yung 12,400++. i hope mabalik na sakin immediately.
People, please learn from our experiences. NEVER EVER TALK TO PEOPLE IN MALLS ASKING IF YOU HAVE CREDIT CARDS. LOLOKOHIN NILA KAYO.
hayzz hanngang ngaun d ko pa rn nakukuha refund ko. pro what the hell!!!
eto mga names nila dito sa sm cebu branch
Bitsy Villaflor – branch manager
Reynald Amparo – agent na nag entertain sa akin
Frances Rey (forgot the last name) – recuiting agent sa baba ng mall
Ruth Rubia – ung nag recieve ng cancellation letter and documents ko
my facebook account ung first 2 agents. ewan ko lng sa iba.
sa tingin ganun nga ung modus nila. sasabihing 1 chance in a lifetime lang kc syempre almost everybody knows how to use the internet. maski sa sm pde mo magamit wifi mo sa cellphone. at kahit kasama mo d pde pumasok. they try to trap us in one corner pra mapilitan tayo pumerma.
BTW naalala ko na name nong nag recruit skn. Frances Rae Sanglitan. ewan ko lng kng totoo may anak cya. baka nmn kasali lng sa modus nila un.
I wonder how they pray?? pra mas madami mabiktima o pra mas malaki comission??
hello to all…i just want to share my experince to that fuckin company….im an engineer working in dubai….i’d just take my vacation last july and august….one time when im in sm-cebu..buying for something…there is a lovely lady approaching me and telling me that im lucky coz i shop in sm and im eligible to play wheel of fortune or what so ever.she ask me SIr do you hav cards..then i show her my international cards..then she bring me to their office and giving me to other sexy girl..and this girl told me that she is the one who will orient me to their company…so on and so forth…to make story short…she told me that they are like banks and much better than bank because they hav a higher interest than a common bank..for me its a big surprise coz im planning in that day to open up an account to bpi international…then i ask her if it they operate exactly same as a bank..she told me yes sir…i ask him if i can withdraw my money anytime including the interest..she responded..no probs with that…then she get my card and swipe it to check if there is money…then he ask me if i am willing to join them..then he explain to me regarding my deposit..then i agree with the ammount..she got 35,256php as an initial investment for 250000php in 15 years…after that she swipe my card again and got the money from me…then they give me all of that fuckin papers to sign up..then one of their HR approach me for final acceptance nad told me if i am aware that im signing an insurance which they called endowment policy…what the fuck..i told the lady…what is this…u guys r robbing in front of me…your not a fuckin bank..thats y uve got a money from me coz ur a bank…and i want to open an account to your bank…then all the sexy ladies there..carish me and told me to calm down..they told me that its just a penny for me…time is running out for me coz its late 10:00pm and sm is closing that time..and my wife is calling me..i decided to accept that…when i got home…i read all the fuckin papers..and i see 15 days free look..soo it means for 15 days you can cancel the insurance and get your money back..then one lady from their head office in manila called me..and ask me if i am happy…i told him..your company gives me burden and i want my money back…she told me i can get it just go to their office in cebu…5 days after that nightmare i went back to their office with my wife/..and asking for cancellation of my endowment policy…blah blah blah..then i signed a weaver of cancellation…they told me that i can hav my money back for 30 to 45 days…60 days had passed but i did not get it…soo i told my wife to go to their office last week to follow up..they told my wife that i had already my money last month to my account…they told my wife that i should check my account…day and night i’d always check my account using internet banking…so i told my wife again yesterday that go to their office and ask who is the head of the office…and i talk to the head..i told her wer is my fuckin money..thats my money..i work for it..thats not yours… thief…within this week if you cant give my money back…i will make ur company popular..i will advertise ur company free of charge..since you r not advertising your company…then suddenly now when i check my account i had my money back…but it will not stops me for making such action against them..tommorow i will instruct my wife to tell the story to leo lastimosa a famed journalist in cebu…and had a good relationship with my mother-in-law…they will be famous in a weeks time…unfortunately my wife was also a victim last feb..just arriving from dubai..she just told me last month in a fear of getting me angry if i know…now my mission is to stop that fuckin thiefs and get my wife’s money back….
Hmmm…tama para in case na magpakilala sila habang nasa mall yung mga makabasa nito ay maging maingat na sila…
@shhh
yun din ang sabi nung nagrecruit sakin sa megamall,,bakla sya, though may anak daw siya pero yung nanay ng anak nya nasa japan at may asawa na,,then yung bata nasa kanya,,at kung wala daw syang marerecruit nung time n yun papadala sya sa pampanga..kelangan daw nya magwork at kumita para sa anak nya baka daw kasi maghabol ng custody ng bata yung babae,,,hay…kadami pa ng mga sinabi sakin..ako namang si tanga naniwala naman,,ayun…P10,200 bawas ng credit card ko..huhuhu
I was so sad na ang dami pa ring naloloko sa dirty marketing strategy nila. Hangga’t d naistop yan legally, mas marami pa ring maloloko. kc ang target nila is ang weakness nating maprotektahan ang pamilya natin at makapagsave. cno ba nmn ang ayaw ng ganun db? I am one of their victim last Aug 9 lng. A txt was sent to me telling me i won a datamex 2yrs scholarship, insurance, and a raffle. Out of curiousity, pinuntahan ko to see if its real. Ok nmn and nung ioffer sa kin ung wealth builder, naging interested ako kc plan ko nmn tlgng kumuha ng insurance/savings. Ok ang explanation and napaOO ako.Ang ganda kc ng explanation tapos parang nakakakonsensya d kumuha. Tapos promo lng daw un. D daw tlg cla nagbebenta ng policy kc d daw cla sales agent. Isa lng daw ako sa mga lucky na pwdng magavail sa promo nila, etc. etc.. and take note, that day lng daw pwdng kumuha. So inshort, naswipe ang card ko. Ang sabi sa kin pwd daw un idefer payment monthly kc nga sabi ko i cannot afford to pay it one time. The agent did not explain to me na ang laki pala ng add-on rate pag nagpadefer ka. Nalaman ko lng after 2 days nung tumawag ako sa eastwest (cc ko) and padalhan ako ng form para makapagpadefer ako. When i computed it and studied the plan, nakita ko na mas malaki ang interest expense ko kesa sa income na makukuha ko from them.Nung kolang napagaralan ng husto ung plan, hindi pala maganda. So kinabukasan nagpacancel ako ng policy. 1st nagsend ako ng cancellation letter thru email sa prudential (cnorada@philprudentiallife.com) copying insurance commission (pubassist_ic@yahoo.com.ph, ocom@insurance.gov.ph). Tapos 2mawag at nagsend din ako ng dispute of letter sa eastwest. Aug 13 nagpunta ako sa main office para mgcancel ng policy. Una ayaw p nila kong ientertain. Gusto nila mgcancel ako ng policy dun sa branch na pinagkunan ko which is sa Equitable Bank tower sa Makati.
cont…
Sabi ko since kelan pa hindi pwdng magcancel d2 sa main branch? Ang dami nang nakapagpacancel d2 na kilala ko (i told them and i am referring to our co-bloggers here nanakapagpacancel sa main branch). D tlg ako pumayag. Tumawag cla sa makati branch ang pinakiusap sa kin ung agent na nakausap ko dun, his name is RICHEL DAKIS (guy xa).He asked me ano daw problema. Maayos nmn daw kaming nagusap. then i told him that he lied to me, lured me and did not inform me about the addl charges that i will incur once i choose to defer the payment on my cc.Sabi ko mas malaki pa ang interest expense ko sa income na marereceive ko, which is marereceive ko lng after so many yrs. Imagine the 4,800 interest expense na maiincur ko if nagpadefer payment ako? That will be the add-on rate kht on time p ko mgbayad monthly. So crazy! So i cancelled the plan.
what if lagpas nako sa 15 day free look period nila pwede ko prin bang marefund ng buo ung binayad ko? august 22 kc ung policy tom ko lang plan na pacancel kc late ko na rin nasearch ung sa company at eto nga ang nakita ko na scam pla nila ito noon pa.
pahelp naman po…
salamat
a certain Ms. Kimchie keeps txtng me this:
FINAL NOTIFICATION: gOOd day!!! This is Ms. Kimchie from Philippine Prudential. Your 3 exclusive rewas and privileges for free are still here in our office. You need to claim and activate it within the day, because the management will finalize all the recors of our recipients who don’t claim their rewards. for your claiming code which you will need to present upon claiming; you may call us exclusively in our Makati office from 9am to 5pm for further information. TEL. (02)7551532 upon receipt of this message. Thank you and God Bless…
her number: 09321463028
Ms Kimchie, may you be blessed indeed with proper values!
Pathetic scammers!
@lovespink-anung insurance ung nakuha mo? 2mwag ako ngaun lang sa customer service hotline nila, wala pang 2mos ung policy ko pero sbi wala na daw refund un. panung ginawa mo? bakit sbi sau pwede pa irefund kahit me bawas na maliit na halaga lang?
thanks…
Hi rain. endowment policy yung sa akin.nag email ako sa head office nila with my cancellation letter and my signature stating about my reasons for the cancellation and also stated in the letter how irate I am with their marketing strategy.
after that tumawag yung taga main office sakin asking many things and chuvah.. pro firm parin ako sa reasons ko to cancel. so yun. after 2 days may tumawag na naman and asking me to return all my documents at the branch office where i got my policy so there they gave me the statement of account with status CANCELLED WITH REFUND.
goodluck.. makuha mo pa talaga yung sa yo..
also rain, if they will insist that you cannot get your refund then tell them that during the presentation you were introduced about saving, saving savings.. So if savings then we can get the money if we want, right? also, its our money. they have no hold with our hard earned money. just be firm while talking to them. sometimes it will help if you’ll be irate to them. hehe. goodluck.
Thanks at merong ganitong forum.. Kakatanggap ko lang ng tawag from Prudential Life at may 3 free scholarship daw ako from Datamex. Naisip ko agad na check sa net kung may ganitong scam at eto nga.. Salamat..hindi na rin ako pupunta dun sa office nila.
hi lovespink
nakuha mo na ba yung refund mo? or waiting ka pa din ng 30-45 days? kasi kami na approved na rin sa cancelation, pero un nga, 30-45 days pa daw yung processing….
@ joan
hi! pareho tayo, ganyan din yung naging problema namin.
kamusta na yung cancelation mo? umusad na ba? pa add naman po sa YM
shadowmoon044@yahoo.com
thanks!
my close friend and cousin were victim of the said scam.
i also know a lot of people being scammed by this company. so i am calling all those victims to please come out and let’s make a move a put a stop on this scam! because as of now, a lot of hard earned money has been stolen by those bastards!
for all those scammed. please post this link to your facebook account so it can reach more people. i already did. tnx. contact me at kimmyworm@hotmail.com
Ako din nabiktima nila kahapon sa sm southmall kahapon. Ewan ko ba bakit na enganyo nila ako ng ganun kadali, dapat umatras na ako ng maaga.Help me naman po paano ko ma cancel ang insurance ko at ma refund ang money koat di na ma auto ebit sa acct. ko.Sigurado magagalit ang asawa ko dahil di nya alam to.Masama ang ginagawa nila,sinasamantala nila ang mga pinoy na gustong ma secure ang family nila sa pamamagitan ng insurance na yan!
Hi noel. kailangan ko pa din mag wait ng 30-45 working days daw for the refund. so as of now wait nlng muna ako and i kept emailing them for follow up.. hope everyone can get their refund. Goodluck to all.
@lovespink – thanks hah! sana nga mrefund ko pa…another one pwede ko ba mahingi ung email address kung san mo cnend ung letter mo. ang sbi kc skin ng CS sa branch daw kung san ko kinuha ung policy dun ko ipacancel pwede rin pla sa head office directly? balak ko kc mother ko papuntahin ko sa branch pra lakarin ung cancellation bigyan ko lang sya ng authorization letter. preggy kc me ngaun at nandito me sa manila ngwork medyo hassle at hirap ako bumiyahe papunta sa sm pampanga where i get my policy. sobrang stress inabot ko dyan sa PPLIC na yan wah naapektuhan na ata pagbubuntis ko..gano katagal bago ngresponse sayo ung main office. endowment policy din kc nakuha ko. pwede ba ipacancel ung sa main office tpos sa branch lang makukuha ung confirmation ng cancellation letter mo together with the SOA? thanks ng marami…
ako din, 14,529 and nakaltas sa cc ko last saturday..bakit ba kac ako nagpilit..pati work ko naapektuhan na..ipapacancel ko tomorrow ang policy ko..
Hi All,
Just received a text from Ms. Kimchie too. I asked my manager if she knows anything about this. She said this is a SCAM. I checked the net to confirm it. Fortunately, I saw this site before I go to their office in Makati.
Shame on them!!! Those guys don’t have conscience!!!
Hi all,
Goodnews to all, i got my refund last friday, after 16 days of cancelling the plan. Hope you all get your refunds..
hi all,
sana may idea kayo if ano pwede kung gawin.. hmmmm yon policy ko nakuha ko last Jan. 2010 and then by Aug. tumawag sila sakin na hindi na sila makakuha sa card ko kasi dini denied na sila sa bank and so tinawagan ako.sabi ko ipapa close ko na po yang policy ko. sabi nila hindi daw pwede dapat daw in person pano bayan nasa abroad na ako? anong mang yari sa policy na yon?
Hope anyone can help… thanks
hi all. hi rain… mypolicy@philprudentiallife.com sa email address na yan ako nag send nang cancellation letter with my signature at cc mo to giniestamaria@yahoo.com. saâ€kin nagresponse naman cla kinabukasan din… pwede lang talaga sa main office ka directly magpa cancel kc ganun din naman, if ipapasa mo sa branch yung cancellation letter sasabihin din nila na wait for 5 working days since ifoforward pa dw nila yung concern mo sa head office. so better sa head office kana directly magpa cancel. and once na send mo na yung letter mo sa main office then they will call you,in my case a week after I send my cancellation letter saka pa cla tumawag. it would be much better na tawagan mo cla for follow up after na send mo na yung cancellation letter mo.
so now, i’m only waiting for the refund that they said it should take 30-45 working days. haaay.. Goodluck to us.
I went to their office today and they told me may meeting pa daw cla dis morning..1 pm pa daw nila ako pwede maentertain..haizzz!
grabe kelan lang ako ung nagshashare ng nangyari sakin nun August pero cancelled n ung policy ko.. pero lagi ko pa rni vinivisit tong site na to para makibalita sa iba.. at nkakagulat ang haba na agad, ang dami n ngpost ng kanilang experience. guys… i think kelangan gumawa n tayo ng action para matigil na sila.. kawawa ung ibang tao na nabibiktima… tsktsk
hi guys!!!! after a long fight with the PPLIC I already got my refund.. thanks sa Insurance Commission na may malaking naitulong para mabawi ko ang pera ko.
GODBLESS US ALL ESPECIALLY ANG PPLIC AGENTS…..
i just got my refund last week. grabe almost 40 days dn ako nag hintay. pra sa mga atm holders na naghihintay ng refund, mag email kyo sa knila at dapat iconfirm nila na nacancelled na tlga ung endowment plan nyo with the specified date. then tawagan nyo ung hotline nila at ipa confirm nyo uli then tanungin nyo kailan naipadala ung check. BDO bank cla at aabutin ng almost 2 weeks ang processing ng bank to bank.
ung akin nga last sept 23 pa daw naihulog sa bank pro nakuha ko last week lng. eto hotline nila 902-2300.
dapat makulit kyo magtanong kc ung iba sa kanila hindi full info ang ibibigay syo. 2x nga ako tumawag kc ung 1st na nakausap ko ang sabi naihilog na sa bank at check ko nlng daw ung chargeback. hindi nya man lng cnabi na BDO bank pla ung bank nila. nagpabalikbalik tuloy ako sa atm machine pra lng mag check.
eto mga names ng mga agent at ung mga script nila :
Bitsy Villaflor – branch manager
*wla nmn mawawa syo, makakasave ka pa. alam ko matalino ka.
sya nga raw ung best seller last year kya naging branch manager cya. MOTTO nya sa FB nya: money is just a piece of paper.
Reynald Amparo – agent na nag entertain sa akin
*whether mag avail ka o hindi ok lng sa amin. as long na nakashare kmi syo. (pag na reject mo offer nila dadaanin ka sa reverse psychology… they will use your dreams against you.)
Frances Rey Sanglitan – recuiting agent sa baba ng mall
*sm shopper? my promo po kmi mam. nanalo po kyo ng tumbler/wall clock/bag. wlng bayad na kailangan. basta ipabalita mo kmi pag nanalo ka. my credit card/atm po kyo? magkano po estimate nyong halaga? pag tinanong ka nila sa office ha sabihin mo wla akong hininging kapalit. blah blah blah…
Ruth Rubia – ung nag recieve ng cancellation letter and documents ko.
*sna po masaya pa dn kyo pag alis nyo kahit nagpacancel
na kyo.
@ lovespink- ngsend me ng cancellation letter khapon and just a few minutes ago me tumawag skin CS from PPLIC informing me na pwede macancel ung policy but WITHOUT REFUND. kc daw ndi nko sakop ng 15 days free look period nila. sbi ko recently ko lang nrebyu ung contract ang ndi nila inexplain skin ung 15 days na un. plus cnabi ko rin ung case mo na kahit 2months na ung policy pwede pa din marefund…sbi ko pa savings ang sabi skin ndi insurance kc pwede ko makuha ung pera ko…sbi nya iindicate ko daw ung reason na un na ndi naexplain skin na insurance ung kinuha ko sa letter ko. ahmm sbi din nya ung sa case mo if pwede nya makuha policy number at name mo pra mcheck daw nila panu at nrefund mo ung sau kc daw case to case basis daw un.
what do you think maaprove kaya ung request ko for refund? thanks =(
just got a call from jeffrey ponce this afternoon, sabi ihohold daw nila yung policy ko..kelangan ko daw magfax nung letter na sinend ko, tapos mag e-mail uli ako ng copy nung first cancellation letter na sinend ko sa kanila,,tinanong ako kung san ko nakuha yung 30-45 days na processing, sabi ko yun ang sabi ng mga kakilala ko na nagcancel na ng policy nila…hayyy..i’m praying na maayos na to…kaso may bagong concern ako..kasi binayaran ko n yung bill ng cc ko nung sept..panu b refund nun???
hi guys! will go to sm cebu today so i can follow up regarding my refund..fingers crossed!..
my fellow victims in cebu, let us do something para ma stop ni sila..i feel pity for those na mabiktima pa nila..
assistant manager: Jonah Saldua
customer service rep: Ruth Rubia
receptionist/agent: Mary Ann Cinco
guys…magreklamo na kayo sa pulis kung cno man ang nabiktima dito…kagabi my napanood me sa news sa news on Q dinakip nung mga pulis sa isang mall ung supervisor nung isang establishment dahil sa marketing strategy na gaya ng ginagawa ng PPLIC according dun sa PULIS na nainterview ang kaso daw pwede isampa dun sa company although legal nga din ay “SWINDLING” dahil sa marketing strategy nila….guys mglakas loob na ung mga naloko…
sana po kung meron man maglakas ng loob dito na magpunta at magreklamo sa Pulis…sana suportahan po natin sila para matigil na ang kalokohang ginagawa ng PPLIC!!!!!!Im not instigating people para iganti ako or yung iba…kundi para wala nang maloko pa ang PPLIC!!!
Beware of the Vulture Agents of PPLIC - Philippine Prudential Life Insurance Co., Inc. | Himantayon nga Kagay-anon - October 14, 2010
[...] Philippine Prudential Life Scammers!!! [...]
OMG! akala ko ako lang ang nabiktima nila… dami pala sa buong Pilipinas…
Ito yung Story ko sa pambibiktima nila.
http://www.himantayon-cagayan.info/2010/10/14/beware-of-the-vulture-agents-of-pplic-philippine-prudential-life-insurance-co-inc/
Akala nila maiisahan nila ako… ito sila naisahan ko… may kuhang picture pa ako while I was there kasi galit na ako kasi pinilit nila akong huwag palabasin.
ung nagreklamo kagabi is a LOLA a former OFW…naswipe credit card nya at nabawasan ng 100k…kya nagreklamo cya at nagrespond naman ang mga pulis…dinakip ang SUPERVISOR at wala cya nagawa kundi sumama sa presinto….GUYS ANG AKIN LANG DITO KUNG KAYA NG ISANG MATANDA WAT MORE TAYO KAYA DIN NATIN GAWIN TO SA PPLIC…
Good for them! yehey!
Hi all.. Got my refund yesterday.. I think its faster than expected. kung hindi ko pa cla kinukulit palagi sa email, baka tatagal pa tong refund ko.. salamat sa blog na ito sa mga nag comment where i got all your ideas and advises.. thanks all.
Hope yung iba mapa cancel pa nla yung policy nila at makuha pa yung refund nila.
More Power…
@lovespink- congratz nrefund mo na money mo. ako eto on the process plang of cancellation at sana maapprove din ang refund ko. goodluck and God bless to all of us!!!
nacharge na sa cc ko ung 1st monthly premium =( 2mawag ako sa CS ng cc ko sabi kelangan ko daw muna iconfirm ung cancellation ko at kelangan ko daw byaran muna un kc mageearn ng interest. sbi ko pwede ba mreverse un upon cancellation ng policy ko sbi skin ung PPLIC nlng daw muna kausapin ko. hmmmp…
2mawag nman ako ngaun sa PPLIC pra sa follow up ng cancellation ng policy ko kesyo wala daw ung agent na me hawak sa cancellation ng policy ko sbi k cge ttawag ulit ako sa monday…ndi ko alam kung delaying tactic lang nila un…
hi guys! update lang, i got my refund back after 17 WORKING days..
0ct 4, 2010 – 20k balik sa aking atm account
I went to their office to get my cheque..nag encash ako sa BDO..i have to pay 200 for inter regional charge kasi naka address ang cheque from pasig!tsk3..ok na lang, kesa mawala pa 8k ko..hahayz..
god bless to all..what happened between me and the pplic agents was really a learning experience for me.
grabe buti na lang di me nabiktima kahapon nag shop me sa sm fairview kasama ng mother ko when a girl name xy approach me she was so nice in fairness, maboka at machika after nun sabe maglalaro daw me ng game at may item cila na binigay pinipili nila ako if mug or gym bag na color blue
after num atend lang daw me ng one on one briefing na will last for 45 minutes, after nun ayun na inintroduce nako nalimutan ko name nya mabait din cya at chika chika kame ayun sa huli halos pilitin nya ko na magmember sa 19plus daw or kung di ko kaya 6k sa huli piso daw per day, dumating na sa point na kukunin nya na credit card ko kesyo magpapaaprove daw buti nakpagisip ako na pag na swipe na yun antimanu approve un ang galing nila magsalita, and sabe ko maganda cya pero give me time to think di ung sapuilitan para bang pag nandun kana sa loob ayaw ka na nila palabasin ng buhay..grabecila as in!!!!!!!!!!!!!!!!!!!!!!!
@nofriends,
got your refund already?
Guy I need help, im an OFW and just read all your comments here and its tearing y mind apart.
I got my plan someday of April (can’t remember the exact date)2010 and I’m paying until now for monthly charges thru my debit card BDO but the initial payment were done under my International Credit Card.
Guys is there a possibility that I can refund all my money? If so please help me how to do it. My initial payment is around 60k plus and monthly of 4600.
Send me an email: lpld_garcia@yahoo.com
is there anyone here na nakakuha ng policy sa sm pampanga at gusto na pacancel ung policy nya? thanks
@ FORMER SALES AGENT:
bakit ano ba magagawa mo?? Palabas na naman ba to??
@DADA
Yup got my refund last month. Sorry if I didn’t tell you guys coz I was busy doing my job since I started to realize that it’s worth to cancel the policy. Right now, I become more wiser. Hopefullly, it will not happen to me again.
Sa lahat, you have right to close your policy, wag kayo matakot.
Hello, guys pupunta ako ng monday sa office,..Could you give me an idea kung paano nyo po pinacancel po yun policy ninyo..sayang din yung 14k kung naipon naibawas sa akin sa ATM ko.help naman po guys…thanks po…hindi ako makatyulog di ko alam gagawin ko eh…
-gegie-
@no friends- cover kpba ng 15 days free look period?
@ gegie- read mo lang ung ibang mga post..under kpba ng 15 day free look period? kc kung under kpa dun mas madali kang mkakapagrefund ang alam ko…
Rain isa ako sa nakakuha ng policy sa SM Pampanga March pa.
Nag nagsend ako sa customer service sabi ko pacancel ko ang policy ang sabi binded daw kami sa contract at wala daw ma refund.
Help guys what I will do around 70k na ang pera ko dun isa pa nandito ako sa middle east. Anybody there can help…
Hello po! I’m in the process of cancelling my account, pero okay naman kausap ang mga branch staff, ang Manila Ortigas Center lang nila ang pagkatagal-tagal.
I have called the Ortigas office long-distance gamit PLDT at Sun Cellular Companies pero tagal nilang mag-act sa cancellation. Grabe its been more than one month, hindi pa rin nila kinansela. Nakunan pa ako ng 2 monthly payments tapos ang daming ‘agents’ na nakausap ko.
Everytime I call sa Ortigas Center (02-902-2300 , puro not in service ang phones na nasa website nila) iba-ibang agents ang nakakareceive ng call (Aiza, Clarise- very rude, Mark, Frank, JM, etc), tapos yong Mr. Jeffrey (0922-8514074) na sya daw nag-hahandle sa cancellation is busy/in a meeting/parating wala sa office. He called me also sa SUN ko, so I got his number pero everytime I call i-di-divert ako sa voice mail. Tapos may endorsement pa ako sa Insurance Commission at tagal pa rin ma-kansela.
Anybody here got the number/email of Ms. Ma. Josefina P. Albania? Sya daw ang head of Customer Service.
Post ako dito when I will get my money back.
At today pala, party daw sa mga branches nila. Yes, tumawag ulit ako sa Ortigas Center nila. Grabe, long distance ha, pa-hold ka pa ng trunkline nila.
@gegie,
just prepare your cancellation letter (2 copies), photocopy all pplic documents plus official receipts. Submit one of your cancellation letter to the customer serv assistant,and your copy, have it acknowledge (printed name & signature with date). Surrender all pplic docs(be sure you have photocopied these). Get your Statement of Account with Status, Cancelled by Inception. Para mas mabilis, send also thru email your copy of cancellation to insurance commission.
@sheila,
hi, wala ka bang representative to go there? Pagtawag lang, they surely will not entertain you. Ako kasi, malayo sa Ortigas. I scanned all pplic docs,prepared my cancellation letter and email all these to my nephew then personally, siya na ang nag submit, address to their president, Mr. Mercado. Napacancel naman ng nephew ko, and nag hintay lang ang branch office nila nung original docs.Sept 25 bale un, then oct 8, i got my refund na. Try mo, bka makatulong ito.Hindi ko inuna ung sa branch direkta ako sa main office.
@DADA, wala akong representative sa Manila, pero I’m thankful kasi yong branch personnel is helping me with this, kaya ang problema are the Ortigas agents, parang mga trainees nga nasa Ortigas Head office nila, parang practice lang.
They have the necessary documents na, kulang na lang sign and sealed and delivered to me ang cancellation and my money.
Anong contact number ni Mr. Mercado? Or email? Yong giniestamaria@yahoo.com, is it an effective contact person sa case ko?
@sheila,
yung giniestamaria@yahoo.com, ndi effective yun, sa mypolicy@philprudentiallife.com ko send yung cancellation ko cc: pubassist_ic@yahoo.com. Walang contact number si Mr. Mercado pero nag lbc din ako addressed to him. Halos magkasabay ang letter and personal appearance ng nephew ko nung dumating sa kanila. Si Mr. Jeffrey Ponce ang kausap nia dun sa ortigas at sya ring kumausap saken tru phone. You can cancel right then and there naman sa branch nila ung policy ha. Kasi submitted mo na docs di ba? So dapat wala ng magiging problema. Thats their delaying tactics lang talaga.
moderation of what?
hi guys tita ko ung navictim last sept.18,2010 sa southmall kmi kc ang magkksma..kabwiset tlga syang ung halos 4hrs nming pag aantay imbis na magsaya…kulang2 10k nadebit sa kanya,nafil ko ng prang nkkloko na dat tym kc ang tgal ng uspan ng mga tita ko at ng agent kya ng halos gumawa na kmi eksena dun..kya pag klbas ng tita ko aun todo tanong kmi at sv ko kung my kinuha sa kanya aun nga nkadebit na,ntuliro daw xa sa dmi ng kumausap saknyang agent.taz punta agad kmi bdo regarding sa kanyang cc my inexplain..den nttaranta na tita ko biruin u 10k din un prang nwla xa sa sarili..sv ko pag kauwi nmin hnapin ko site ng prudential at itong site na toh ang nakita nmin aun..super basa aq at sinunod ko lhat ng pedeng gawin..kinabukasan pinacncell n nmin,aq tlga ang umeksena dun ayaw nila tlga ipacancel peo la cla mgwa kc buo na loob nmin at aun ok na den punta kmi bdo pra mag ask about reversed debit aun ok nman,,,..medyo nakahinga kmi ng maluwag…
once lng kmi nagfollow up peo processing pa lng daw..den w8 nmin bill ng cc ng tita ko wla so naicp nmin na ok na cguro…den kanina bigla dumating bill ng tita ko sa bdo aun oo php balnce haha…tuwa kmi kc ok na halos 16days lng ang process nia…bwiset tlga cla…panira ng tahimik na buhay…peo tnx pa din at nakuha agad nmin…tnx sa site na toh
guys,
wag kayong matakot… after a long struggle.. a lot of waste of money, time and effort.. nabalik na sa kin in full refund ang pera.
Don’t give up.Pera nyo yun noh!
Insurance commission will be a great help! I am really grateful to IC.. at masasabi kong ang IC ang isa pang institusyon sa gobyerno na may magandang serbisyo…
at ako nakahinga na ko ng maluwag.. matapos ang maraming pabalik-balik sa opisina nila… wag kayong susuko…
God bless us all.
CHEATER…
Just this morning I received a text message from the Phil.prudential stating that I have to claim my 3-exclusive
rewards and previleges, which is LIFE INSURANCE (FULLY PIAD), EDUCATIONAL VOUCHER FROM DATAMEX because this is already a final notification from them otherwise it will be cancelled if not claim within the day. I was confused, how come I will receive those rewards while I never been joining any raffle or whatsoever. Ms.JOANA CASTRO gave their
office number (02)755-1532 and address in EQUITABLE TOWER
PASEO de ROXAS, MAKATI but sorry, now that I read about this scam I am now aware and will not go there. “THEY’RE
JUST MAKING PEOPLE IDIOT BUT THEY ARE MORON WHEN PEOLPE
DON’T ACCEPT THEIR MARKETING STRATEGY”.
ay naku, naloko din ako ng bwisit na pplic na yan. ang sabi sa akin ng agent, savings/time deposit yun, na may benefits na insurance. sabi pa niya kahit hindi ko mahulugan, ok lang daw. yun pala, ang konti lang pala ng makukuha kung hindi mo mabubuo yung five years na yun! grabe naman mga agents dun, walang kunsensiya kung manghuthot ng pera na pinagtuluan ng dugo at pawis ng ibang tao! puro kasinungalingan ang sinasabi nila! tapos, saka na nila ilalabas at papipirmahin ka ng kontrata at saka mo na malalaman ang totoong policies nila kapag na-swipe na yung atm card mo at nabawas na sayo ang perang pinaglalawayan nila! grabe sila, parang silang mga asong ulol, gahaman sa pera! mga walang awa!
hu hu hu! bukas na bukas din magpapacancel ako. buti na lang isang araw pa lang ang lumilipas. sana hindi ako magkaproblema sa letseng plan na ‘to. lord, help me.
sa mga gustong magpacancel diyan, baka gusto nyong sama-sama tayo. he he. mas maganda yun, mas malakas powers at loob natin.
ang kukulit ng agents nila. tawag ng tawag at nakikipagtalo pa sakin sa text kahit gabi na. hindi daw sya scammer blah blah blah..tinawagan na ng mommy ko para sabihin na tigilan na ang pagttxt sakin kasi hinahamon pa ko na patunayan na scam sila at baka mapahiya daw ako.tumawag nanaman babae naman inaway ko na at sinabi ko na nanghaharass na yung isa nilang agent.after lunch may tumawag na lalake alam ko sila yun,binabaan ko nalang,tumawag nnman at sino daw ako makikipag phonepal daw sya. Sabi ko naririnig ko sa background ung boses nung agent na nagtuturo sa kanya kung ano sasabihin. Ang kapal ng mukha ng JAYPEE RIVERA na yun from Phil.Prudential Robinsons Sta.Rosa, Laguna
isama na sa list ang number nya 09176905980
hi guys,
update lang,
na cancel na yung policy ko, nag ok na sa mga CC namin, ang problem na lang wala pa kaming hawak na SOA na cancelled na nga, at may natira pang 11 cents sa CC, kaya hindi matanggal ung 1k+ na finance charge.. kainis..
@no friends
kamusta na yung processing ng sau? sana ok
pwede bang pakipost yung number ng office nila sa raffles? try ko kasi tawagan..
thanks guys
grabe naman sila. pwede nang idemanda sila. CLASS ACTION SUIT dapat
Woohoo! I finally got my refund last Thursday. The whole waiting took over a month. Very useful itong page na ‘to ah, got useful tips in cancelling, dealing with the monkey agents, etc.
To the others who were victimized as well, don’t lose hope. And next time, let’s all be wiser and assertive!
bago makunan ng amount ung mga card nyo tintatanong muna kau ng cashier kung aware ba kau sa pinirmahan nyong authority to debit and charge,un ung pinipirmahan nyo bago magpaswipe..if tinanong kau qng aware kau at sagot nyo,”oo”..kakaltasan ung card pero kung labag sa loob nyo never nila ung iswi2pe..that’s the rule!..sagot ng client ang pinaboran nila hndi ng co-employee nila…so kung ayaw nyo ng plan huwag kaung sumagot ng oo tas saka kau maninisi…kung tinuturuan kau ng mga agent na sumasagot lang ng oo bat kau padadala??,,ndi kau mapipilit kung ndi kau magpapapilit..dont blame everything to them,blame also urself,
OMG scam jud xa????wat about their hiring jobs??phil.prudential txtd me that i pass their initial exam i wonder no interviews happend,,how come??orientation agad,,,i dont wanna fool people,,
@iya: magkano na commission mo? yumaman ka na ba sa panloloko?
hahaha..ntwa aq sa cnbi nia…sa sitwasyong magulo icp u sa kakapalitan at dami ng agent na kumakausap sau sa tingin u makkpag icp ka pa ng aus…
Hi guys, Im one of the victim of this Philippine Prudential Life Insurance Co. Im thanking to all who published all thier feedback and comments about this company. They did the same way and they got my 23,000 pesos that they deducted to my credit card. I follow all the steps that everybody’s did here. Hopefully they will process all the transaction as soon as possible, I will look forward to have a good result..Thanks to all
I am one who experience that Bullshit PHil. Prudential yesterday sa SM North, but when we reached the session nagduda na’ko.But then, may finill-up-an akong papel that contains my personal & basic info..but when we up to ther i refuse to deal with them kasi duda talaga ako..sabi ko pag-iisipan ko muna pero they insisted me that it only takes 45 minutes to decide..so tlagang kaduda-duda.At napakabwisit nung agent na’yun, sobrang kulit! kahit umaayaw na ay pinipilit pa rin.As of now, I’m still worried about my account, but i never accept their proposal.Protected kaya ang account ko..i don’t give the details of my ATM card but still I’m worried.
mga putang ina nyo!!!!!!!!!!!!
ang kapal nyo ngang gumastos tpos tutulungan kayo pa nagagalit?
how do u spend……..para kayong mga wlang pinag-aralan ha..bkit d nyo nlang ireport sa mga kinauukulan….
mamatay na kau para wlang makuha family nyo….
ngayon alam nyo na kung anong klaseng mga tao ang mga tiga PPLIC. this comment says it all for us. thank you leilani reyes for your transparency.
What will happen if hindi na cancel ang policy?
Ako rin napilit ng Family First na kumuha ng insurance 7 years ago. Hindi ko na pinacancel at nakita ko nman sa website at sec na legitimate sila at saka maliit lang ung monthly premium na natapos lang this October. Ang boss ko nakakuha din at nagmature this year. Nakuha na nya P150k. Ang ayaw ko lang talga sa kanila ay namimilit at nahaharass ka.
nabiktima ako ngaun lang..my bf & i went sm southmall to buy xmas decoration sa una di kami pumayag sa pngalawang alok napapayag kmi kc wla dw money involved tapos di ko pa nakasama ung bf ko sa loob ng opis kya hindi rin ako nakapdesisyon ng tama..nung di ako nakumbinse ng agent lumap8 skin ung manager so dalawa na cla sobrang pressured na tlga to the xtent na maiiyak kn..to think of it na supplementary lng ako ng cc..sasabhn sau chch muna ung cc kng pwd ka sa knila pano kp hihindi kong ipapunch na nila..un na nga ngyari nagoyo na palakpakan cla then congratulate ka nila..cnsb nila “IPON”..galing nila sa pabaliktad na pagsusulat..take note ung agent pa na nakusap ko kababayan ko pa..umalis kmi ng opis na umiiyak ako sa bf ko gs2 balikan ng bf ko natakot ako..then pguwi ng bahay search ko kaagad then i found out itong blog na 2..i decided to go to main office to cancel it..i hope it will be good.. paktay talaga ako..
Kuya Arpee, naku po isa rin po kami sa mga biktima.. GF ko po yung Joanne.. Diko lam na nag-post siya dito basta pag-search ko kc sa company na yun lumabas ito. Panu po bang magandang gawin? maka-kancel pa po ba kaya iyon?
what the hell… mga kababayan pa help nman asap ano need kong papers for cancellation?
pls email me sleepydizzy@yahoo.com san po ba yung main office nila?
wheewwwww… guys tnx sa blog na toh.. muntik na ko dun ah… i just received a txt msg. from Philippine Prudential, And a Clerk name ” Kamille Roa ” fisrt of all mapapasali ka talaga kc sinasabi nila wala kang babayaran… then Nacurious ako… syempre 23 plng ako.. then hanggang 65 years of age Insured ako ? WTF! Kya ayun tinawagan ko, then sabi sakin mag present daw ako ng 3 valid i.d’s sabi ko i have 2 i.d’s , kc nakatunog na ko… bakit kailangan na visa or master card ang gawin ko pang i.d eh.. pwede nmn Drivers Licensed nor Paasport which is Standard Accredited Identificatiin natin un… kya sabi ko sa kanila , i challenge your company , though i already read those blog of all you,, i tell them kung d nila kayang i-accredit ung i.d ko, then wag na nila iprocess ung priviledge reward ko,, then until now wala pa kong ntatanggap na col… or kahit txt…. hahaha do u think meron eto na ung bagong strategy nila?
@ Bevz..
hahaha Pareho tau… ask ko lng matanda na ba ung boses ng nakausap mo?? kc ung 2nd call ko matanda na ung sumagot… same lng ung txt satin… kya aun hinamon ko cla kung hahahanapan nila ako ng visa or master card.. wag na nilang iprocess… hahahaha…
naku kumuha p nman ako ng plan sa kanila kanina lang.. prang gusto ko na lang ikansel.. pano ba? help plssssssss..,
muntikan n din aq mabiktima ngaun buti nlang nagsearch muna aq s net if 22o…sana lang wala ng mabiktima at matigil n ang panloloko s iba… makakarma din yan cla….
san po ba ung main office nila? ska pg personal po ba na nagpunta para magpakansel mas mabilis?
Ang ginawa namin para ma-cancel yong policy.Nagpunta kami sa Main office ng Customer Relations Security CRS ng Mall.Ni-report namin sila na SCAM ang ginagawa nila.According to them wala pa naman daw nagrereklamo sa Phil Prudential Life Insurance Company..So, umpisahan niyo na silang ireport sa Management ng Mall para ma-imbestigahan sila.Actually, nanginginig kamay ng Manager PPLIC nang pinatawag sa CRS.Patunay lang na manloloko sila at kinakabahan din..Wag munang dumirekta sa PPLIC, magpunta muna sa CRS ng mall.Segundo lang gagawan na kayo ng letter of cancellation..
alam nyo nabiktima din ako nyan this nov.11,2010 lang. grabe ang galing ng mga baklang yan at nahulog ako sa patibong nila. sa simula pa sabi ko talaga ayoko kc nadala na ako dyan we are victim of CAP and PET Plan. Pero grabe talaga ang mga satanas na yan hindi ka paalisin hangat hindi ka nila ma kwartahan. kahit mag CR ako pinasamahan pa ako! Inshort P73,211.00 ang nakuha sa credit card ko!!sabi i swipe lang dw if ma approve ako, pero nung bumalik statement of account na lumantad sa akin at doon ko pa nalaman kong ano talaga ang halaga nung policy na yan. mga walang hiya! halos ubusin nila ang credit limit ko. mga tulisan na social!!! hiding from a korbata. its better to trust sa mga mukhang tulisan kaysa mag trust sa kanila masahol pa sila sa tulisan.I hate them all! para akong hinold up na walang baril. bakit namam hindi pa yan sila pinaalis bistado na yong mudos nila nationwide an dami na nang mga nabiktima. wala bang gagawin ang goberno dyan??? hayaan na lang bang maraming matulad sa akin??? mga dayo lang naman yan siladito sa city namin. bakit hayaan pang maraming mabiktima dyan… Walang masama magbinta ng ganyan basta tapatan lang at ilahad nila sa simula pa ang content ng ino offer nila. ang masama sa kanila lulukuhin nila na para lang mapapayag kahit ayaw mo gawin nila lahat.i mislead ka nila. LIAR na mga bading na yan. God is still so good to me..
I AM NOT REALLY HAPPY AND SATISFIED to the product that they offered to me. At first, they caught me at the mall when they ask if I have credit card, ako naman honest na tao I zed YES kasi I have no idea about sa modos nila. Doon hindi na ako tinantanan ng bading and I was convinced to join their slot machine lottery and have a chance to win a car and even a trip abroad in Macau without any amount of money involved and I will receive tumblers, pillow and bag daw. In short I was fall into a pit. Akala ko sa mall lang gagawin yon, yun pala sasakay kami ng van ayaw ko sana kaya langnapilit din ako.at dinala sa ofis nilang social..pinasa sa isang bading..at blablabla na. I zed maglaro man kaya? Yes, but later na daw. The agent start introducing their company, at panay shake hands and sabi HAPPY AND SATISFIED KABA? Taka ako saan naman ako hapy and satisfied doon I think expression lang niya yun. From the start I told him frankly that I am not interested in this. But still insist me to listen. Pinaupo at inofferan ng ice tea, I zed tubig nalang. Hanging umabot ng 3 hours negotiate nya before pa gusto ko nang umalis ayaw patapusin lang dw sya. He told me clearly that there’s no money involved. But he told me I will just deposit it in my own account with big interest even up to 4 to 8 percent unlike in the bank. In fact he did not gave me enough time to think twice or even give me a chance decide in my own time before hand. He want me to decide on the spot because he said that the offer is good only on that day. Even I told him many times that I am not interested and I want to go, but he did not let me go. He said again and again I’ll just deposit small amount of money monthly on my own account until it will reach in such amount that he mentioned to me, I thought that it’s only that amount. He used all the marketing approach as he can just to convince me and I was convinced when he gave me a scheme that I will only pay 2k monthly until matapos ang P73,211.00 doon nya ako naloko. Kasi my understanding don sa sinabi nya 2k per month lang hanging 5 years and wait ng 15 years maging 500k na ang mkukuha mo.meron pang health at dental insurance. I even told him paano na ang interst nyan? He zed “ay dito sa amin maam walang interest. So naniwala naman ako at sa wakas pumayag na ako. He borrowed my credit card and e swipe it to know if I am qualified then He informed me that I was approved and gave me the paper that shows that I was approved by my bank. I saw in the statement of account that was already charged to my credit card ang 73,211.then he let me sign up and that’s the time he that I learned that there is another monthly payments for 5 years cost P4,600.Wala na tulala na ako at parang nagging puppet na sign up na ako at he zed pag may mag mag interview na wala na dw mgtanong para di na ako lalong matagalan. I felt I was hold up. When I am on my way home I felt so bad about what happened. Ever since I did not use my credit card that BDO gave me, I am afraid of having debts. Now I felt that they foool me. Imagine 2,000 plus interest per month for 6 mos. Dn mag abot ang 2,000+int + 4,600 eh ang laki na!! Ang masama kasi sana magbenta sila ng maayos at lantad kung magkano talaga ang value ng ino offer nila at ang monthly. Eh pag ganon wala kasing kukuha kasi not sure if after 15 years buhay pa ang PPLI na yan at ang mahal pa.maraming patibong para lang mapilitan ka. Mga HOLDUPER NA BADING!!
AFTER HALOS 2 DAYS NA WALANG TULOG COZ I KEPT ON SEARCHING ON THE NET, THERE I FOUND HOW TO SOLVE MY PROBLEM. ON THE 3rd day my battle begins with a good friend na pinasama ko sakaling himatayin ako doon or pagtulongan ako atleast may backup. I looked for the same bading who make loko on me with poker face. I zed “am NOT HAPPY AND SATISFIED, thanks to you dahil sa yo bumalik ako” d b you zed magkaibigan tayo? So help me ma cancel ito. Dala ko na lahat na papers needed 1.) letter for cancellation of transaction, and 2.)letter of dispute. Umabot naw naman ng 3 hrs kasi they tried there best to convinced me not to do so. Away na kami at pinasok ako sa room kasi ayaw nila marinig nong ibang nandoon na biktima. Ang walang hiyang bading hindi na umamin doon sa ginawa nyang panloloko at binligtad ako. BAKIT PINILIT BA KITA?? Sabing ganon ang sarap patayin P73,211 baka pwedi na akong pumatay ng bading!! I came back to cancel my transaction hindi para kombinsihin uli. Sinungaling sabi wala daw silang authority to cancel eh nonong galit na talaga ako at pinokpok ko na ang mesa sabay tayo at hinanap sa boung opisina, I zed “saangang manager nyo dito bat ayaw pang lumabas kanina pa ako naghihintay”. At walang sumagot bumalik ako sa room tsaka pa may sumonod sa akin na bading at nag pakilalang sya dw ang manager. “Ikaw lang pala ang manager nakaupo ka lang doon bakit ngayon ka lang lumapit?” at kunumbinsi ulit at sinisi ako at sinabing hindi naman dw sila namilit sa akin kusang loob ko naman dw pinirmahan lahat. Eh ganon ang sinabi. Dapat firm talaga pag gusto mo ipa cancel wag padala sa ulit sa sales talk. The truth is may authority sila mag cancel. Sa mga ibang biktima dyan wag kayong matakot if you are not happy ibalik nyo at BE FIRM. Ask for SOA with cancelled status at pa received nyo lahat na papel lalo na resibo. Make 2 photo copies sa lahat ng papers for you and for your bank. Return the original with signature nila. Now I will wait for 30-45 days and I follow ko rin palagi.. So sa iba dyan GBU!
akala ng mga bruhang bading na yan mga tanga tayong taga cdo. nakaloko sila at naisahan ako!! alam mo non pinirmahan na at inasikaso na. biglang nawala ang bading na nanloko at nang bola sa akin na parang bula baka takot sya yata sabunotan ko. ipa BOMBO RADYO KO TALAGA SILA!! WATCH OUT NA LANG. KASI KAWAWA NAMAN YONG IBA MABIKTIMA. AKO YATA ANG MAY PINAKAMALAKING HALAGA NA NAKUHA NILA..P73,211 LANG NAMAN. MGA WALANG HIYA! kahit pala tayong nasa insaktong eded na NEVER TALK TO STRANGER PA RIN PALA akala ko for d kids lang yan.at i thought kaya kong i handle eh sa sobrang galing nila nadala ako. Kasi i talk to them. MORAL LESSON: wag maniwala sa matatamis ang dila,at desenting tao tingnan kasi baka mas masahol pa sila sa mga kaysa mga mukhang tulisan dyan na mabait naman pala. its like a book don’t look at the cover, just read!!
arpee, kahit na submit ko na sa bdo-visa cc ofis ang lahat ng papers. makukuha ko pa kaya ang p73,211.00 ko? UNTIL NOw KAHIT NAN DOON NA HINDI KO PA RIN MAIWASAN MAG WORRIED.grabe talaga apekto sa akin ang pangyayaring ito.
salamat nga pala sa blogs nyo. dito kasi ako nakakuha ng idea kung anong gagawin . at first d ko pa alam eh nong nag kwento ako sa friend ko tungkol sa nangyari sa akin,she told me na bombo radio na dw yan cla d2 sa lugar namin d ko alam. kaya nagmadali akong nag research d2 sa site mo. 42 hrs akong walang tulog since nong nalaman ko yun kalokohan pala talaga. kaya pala hindi ako mapakali ang laki kasi nakuha sa akin. top nucthcher yata ako.
arpee , naloko rin ako last june 25,2010 sa CDO gusto ko na rin ipa cancel ang insurance ko paano ko ipa cancell tulungan nyo ako patuloy parin ang pag deduct sa akin
arpee pls email me at davie_rodriguez1978@yahoo.com.ph
Hello there?I bare need your help!
Can someone help me how to cancel my insurance from Cocoplans?
Because, they are still continuing debit on my cerdit card. and I cannot pay it anymore coz i dont have enough income.
Cocoplans said that i can cancel it, if i cant pay…
But the problem is I already called them for cancellation and yet they don’t entertain me at all.
Can someone help me to stop this cocoplans insurance thing? coz its not worth it and too expensive.
Last time I heared that cocoplans has been yelled by BITAG of MR. TULFO. but until now, they are still scamming my credit card.
PLEASE email for further advice and help. tnx
wala rin pala kwenta tong blog na to di rin nakakatulong sa mga prblema natin to refund our money. just waste of time and pinagkakakitaan din tayo ng arpee na to para sa blog/website nya!!
@marlyn buan, is that so? i believe naging helpful sa akin ang blog ni arpee..May napulot din akong tips and it’s all up to you na dumiskarte..kung wala kwenta for you, wag ka na magpost, di ba?heheheheh.peace…..
hi, please help me on how to refund my money.. sa debit card ko BDO charge, natatakot ako kasi sinulat ko ang account no. ko sa isa sa nafill out ko na form, please help.. or kindly email me, jed_gavino@yahoo.com
i just made the biggest mistake last night by giving in to the constant urges of the agents of PPLIC for me to get a plan. i was shocked when they borrowed my card and said if they could check the availability/remaining credit. and to my horror, the agent was already holding a statement telling me they have already swiped my card. i’m only a new employee in my firm. they got me to spend thru my credit card PhP8,850. can anyone please tell me what to do to cancel the plan? there is a clause in the agreement that you can cancel the plan if you are dissatisfied, and it should be done within 15 days. now, my main concern is that marereverse pa ba un naswipe nila na amount sa credit card ko? i can tell na parang ok naman un company, it’s just that i’m not into things like this. i was just too polite lng kasi to dismiss them, lalo na at napakapersistent nila magsales talk talaga. LESSON LEARNED: if someone says you won or can win a big prize and asks for ur card number, don’t even jump to the offer rightaway. who knows, dinadaya ka na pala.
i’m still worried. gawa na din ako ng letter of cancellation. i hope the process won’t take that long.
i have read what you guys did here to reverse ur credit card charges/refund your savings accounts. it’s a good thing i actually came upon this site. di nga ako makatulog kahit di ko pa nakikita tong site kanina kasi para talagang me mali. u know that feeling na napaOO ka lng coz pinagtulungan ka at para matapos na pangungulit nila? i honestly can’t sleep right now, and i’m about to make a letter of cancellation of transaction in a while.
i don’t personally like the company’s marketing strategies but i think that the company is okay. it’s just that a lot of people who were compelled to get plans felt like they were betrayed. that includes me. God bless me in desire to reverse the credit charges the company made in my cc.
i learned that it is often more polite to say “NO” than go or agree with them just to make the long “pilitan” conversations short.
Nakakaloka ang mga comment d2, yes i’m one of the victim. at sinisisi ko sarili ko why i agreed dapat naging careful ako… but still to ppl your marketing strategy is very dirty,,, wala kayong rights to deside para sa iba, maging bias kayo..
i hope i can get my money back worth of 95,553 pesos. at sana tumupad cla ppl sa paangako nila na 35 to 45 days maibabalik pera ko,
kaya sa hinde pa nabibiktima beware of them yung bigla ka nlang sasabihan na winner the tru is sgusto lang nla makabenta ng wlang ka kwentw-kwentang insurance policy nila.. gagawin nla lahat kumita lang ng pera… nga naman pag napa oo nila ang client na swipe na ang card mahohold nila ang pera kahit pa i cancel kc ibabalik DAW nila after 30 to 45 working days DAW d napakinabangan na nila muna yung pera… i think that thier market strategy at pag wlw kang time mag cance at hinde mo ituloy ang plan swerte nila kc parang nakatanggap na cla ng abuloy buhay pa cla…
hay nku kapagod na mag type i really hate them….
have just received a txt message from Louie Aguilar from Philippine Prudential. stating that i have 3 exclusive rewards and privileges for free. have called their contact # and they want to meet me tomorrow at Robinsons Sta Rosa. have searched the net and come this this site… please advise if this is a scam…
guys can someone give me a detailed process on how to cancel my endowment plan with PPL i just availed the plan earlier at sm north. honestly, i think that the idea of the plan is not that bad, i was just shock that i need to pay them right then an initial deposit charged to my BDO savings accnt. Then nung nsa counter n kami i said i would thnk about it first kasi nga nmn savings nameng mag asawa un (altough sakin lng nkapangalan ung account) plus bka magka emergency sa bahay kulangin kami s pang gastos, but then, the manager told me n pang estudyanteng plan lang nga dw ung plan q so to cut the story short i was persuaded kc nmn 3 n clang kumakausap skn plus the cashier and ung 45 minutes nla eh naging 3 hrs n. On the way home q nlng naicp n bka scam un kc they asked for my accnt number and to add injury, my husband was furious about this he’s actually the one who asked me to read this site.
But one of the things i was concerned with is that ung payment q charged s savings q, while most of u sa credit card, pede q rin bang i-pahold ung payment q s BDO? or kung hnd would i still get my refund asap? how?
hays
pare pareho tayo naloko ng PPLIC..sana lang tuparin talga nila yung 30-45 days na mababalik ung pera natin..yung mga hnd pa ngppcancel..mag pacancel na kau..bago pa matapos ung 15 days free look..sna maimbestigador cla!!!grrrrrrrrrr…….
My wife & I were victim yesterday, please advise us, to cancel
immediately the policy, because we paid initial payment and
we call our bank to hold this transaction, but they say need to cancel with PPLIC
haha natawa ako sa latest comment ni arpee re leilani reyes’ transparency.
PPLIC monkeys, have you heard of the word KARMA?
i acquired my endowment policy last aug. and filed for cancellation sept. i just got a call from a certain jeffrey ponce from phil prudential saying that i filed cancellation way after the 15 days freelook period.i asked how much my refund would be and he told me, i will only get 3000+ from my downpayment which is 10200 deducted from my cc..
i was not able to sleep last night thinking about it…anybody here please help me..
makatarungan b yun? nanghihina ako pag naiisip ko n mawawalan ako ng 7000+,,
@rodel..
submit ka na agad ng cancellation letter while you’re still on the 15days freelook period..
you can email your letter here: mypolicy@philprudentiallife.com or pubassist_ic@yahoo.com
wag mo n patagalin pagcancel mu baka matulad ka sakin 30% n lang marerefund ko.
ANY LAWYER IN THE HOUSE?
i am in no position to help, but i do recommend you consult a lawyer at the soonest time possible.
@adaug
Yah, ngfile n agad kmi ng cancellation and sinunod nmin c SAJ punta muna sa CRS ng Mall, yun pintawag c manager, di cancel n ung policy after an hour, kya lng 30-45 days pa yung refund… pero ok lng yun at least cancel n nga, dmi p ng dun sinasales talk kaawa…. slamat s bloggers
Hello! I’m back here again. To those using credit cards, whether supplementary or primary, fill up a dispute form from your card and ask PPLIC for credit notification of the cancellation of your policy to be given to your card company for the refund.
This is where I am now, PPLIC has yet to give me the credit notification and my card company cannot do dispute claims and obtain my refund because of this.
And also, PPLIC won’t refund your money into your bank but only to your card company, that is if you are using your card to pay them(this has further made the process long and tedious).
i just recieve atext messeges this morning,from vicky cortez of prudencial (09061362718)(027551532)she said that i won life insurance,no need to pay and no money involve,and educational plan for 3 years from datamex….and 1 raffle ticket for chrismas…she ask me if i have valid i.d.yes i said i have voter,passport,and ofw card…then she told mam u can your credit card as id….i said i dnt have….she said that she will send me a text for code of reward and the location…hahaha let see whats next der next move …even i have 4 credit cards,never let them to decieve me…bec. i have same story at family first they will definitly SCAMMER…
maybe they will not going to contact me again…bec…i told them i don’t have credit card…anyway thanks to you…PRUDENCIAL LOSSER INSURANCE ….ABSOLUTLY SCAMMER….
ganda ng offer nila…wala ako masabi,,,bale nag initial deposit ako ng 17,thou..pero ng makita ko tong blog,ayaw ko na,may 15 days para umurong…sana mabawi ko agad..dami kc masamang comment dito sa blog..pangalawang araw ko plng ngayon,,,patulong namn ,,,pano ba diskarte ko dun
Before I was scammed too way back year 2008. pero I got my money back in my cc, I just browse this site kasi narinig kong nagkukwentuhan kaofcmate ko regarding sa nangyari sa kanya sa Megamall and kinuwento ko nangyari sa akin din sa Danvil nung ako ay nascam.I taught him steps maybe you could apply it too…pinuntahan ng isa kong cousin ung office then inaway nya ung rep na nagassist sa kin and may termination letter kaming dala and araw araw talaga pinafollow up ko sila. and lahat ng docs including the policy everything na inissue nila binalik ko and pinapapareciv ko sa kanila stating na narecieve nila ung mga docs and after follow up sinasabihan nila ako na magiissue sila ng credit memo di ko talaga sila tinantanan then wala pang 30-45 banking days na credit na ulit ung sa cc ko. Hope maibalik pa po money nyo.
I RECEIVED A MESSAGE FROM THIS PRUDENTIAL LIFE JUST NOW, SAYING THAT I HAVE TO CALL A CERTAIN NO. TO ACTIVATE MY CODE BECAUSE I HAVE TO CLAIM MY PRIZE IMMEDIATELY OR ELSE IT WILL BE FORFEITED, GOOD THING I SEARCHED THE INTERNET & FOUND THIS SITE, THANKS TO ALL OF YOUR COMMENTS, THIS COMPANY & IT’S PEOPLE SHOULD LEARN THEIR LESSON!!!
Hi,
i have recieved a txt msg from a Djoanna Enriquez of Philippine Prudential. Her txt msg said that”FINAL NOTIFICATION my 3 rewards and previleges are still in our office. You need to claim and active today because the mgt will finalize the records of recepients who dont claim their rewards. For your claiming code w/c will you present upon claiming,you may call us at (02)755-1532 monday-sat(9am-5pm) upon receipt of this message”
My husband said that it maybe a scam,since i wasnt connected to any prudential life. I search in internet about them and i thanks god i found this site. I have read all the blogs here. Thanks for all the information.
I wont try to call them anyway since i know that it is only a scam.
hi kaaavail ko ln knna, balak kong pumunta bukas sa megamall for cancellation, thanx for the help, nakatulong tong blogs nyo rito, mei bago na clang promo, 3000 for dental benefits daw. actually guys nglit skin mama ko nung nlmn nyang nging impulsive ako run, endowment policy nga trust fund daw, but my mom was correct, endowment or trust fund wasn’t the right word, kc in the end pre need plan pa rin xa. basta i’m planning to act now, laht ng suggestion nyo rito susundin ko and manager na ang kakausapin ko bukas. nkakainis ln kc kung para sa iba tanga kaming nabiktima or anything, how i wish wag bumalik sa inyo ung word na un, kc ako ang katwiran ko ln jan, wag ka basta basta magsasalita lalo na kung ndi mo naman naexperience, ung sarili mo ngang kadugo kaya kang lokohin e, ibang tao pa kaya? wag kau mxdo mpnghusga, baka mas malala balik sa inyo nyan. and besides, kung nagoyo cla ngaun would you think mauulit pa un? think twice, most best lessons in life are gained hard. ndi lht kailngn sbhin at ndi lht ng tao sumusunod sa kung ano ang nkikita at nririnig na pangaral sa ibng tao.dun ln tumutubay ang isang tao, tsaka lahat mei kanya kanyang katangahan, so who are you to judge db?
i am also a victim of prudential life… they phoned me up and informed me about the prizes i won- may scholarship pa na transferable and of course naniniwala naman ako. tinatawagan ako many times kasi hindi ako nakapunta dahil always busy ako sa trabaho. Tumawag na naman sila at sabi pa nila sayang daw- napakatanga ko talaga kasi pumunta ako sa office nila. to make the story short around 52,000 ang nakuha nila sa akin gamit ang credit card ko this november 27,2010 afternoon time.
please help me.. how can i cancel the amount to my credit card-it’s a really big amount..
pambayad ko pa naman sana yun para sa operation nang mother ko…. sana po ay matulungan nyo ako.
hey i’m still the same kath, basahin mo mabuti ung mga nkasulat dito. ako rin naiinis e, oldo mas maliit ung perang nkuha sakin but still it was money, nsa unahan ng blogs nila ung solutions. papunta ko ngaun sa gamol para mgpacancel they told me na bukas offce nila ng sunday sa gamol but now i’m not so sure na, mejo fil ko kc ngsinungaling cla e.
guys, nkuha ko ung SOA na me nkalagy na cancelled from inception, pero bwibwisitahin ko pa rin ung main offce nila sa ortigas, lapit ln din kc sa work place ko, actually nasa iisang street kmi, so aun. tahnx sa posts and blogs nyo. blitaan ko kau kung keln ko mkukuha pera ko.
panu ba ito ipost sa facebook…???baka mabiktima ang mga kamaganak ko ng SCAMMER na PRUDENCIAL LIFE DEATH NA YAN…nakakamatay ang inooper nila hindi nakakabuhay…di na nila ako tinawagan kc sabi ko wala ako credit card..hehehe
nag cashout ako ng 30kplus plus kc wala nadeny ung credit card ko nung nirecruit nila ako.and then after nun binalewala ko n un kc wala nman account n nagbabawas sakin kc wala akong binigay n credit card or savings account.gusto ko lng makuha ung 30k plus ko.pero isang taon n cyang nakalipas.pwede ko p ba makuha un pag nagpacancel ako?wala ba akong liability sa knila considering n d ako nakapaghulog ng kahit 1 month.before sumusulat sakin sa email ko n denied daw credit card ko and need ko ng another card para dun cla magkaltas ng monthly pero d ko n nireply un sa takot ko n baka kulitin ako.wala n ako balak ipagpatuloy un policy.pwede ko p ba marefun ung pera ko kahit 1 year n cya nakalipas?
wohooo!! nacancel n ung sakin., dahil sa insurance commision nagka-memo ung 2 employee dun.. haha.,
@mj ano strategy ginawa mo pagpacancel mo?
cancel ln?so 30-45 days pa rin ba ung grace period before mo mkuha refund mo? ng email back sau insurance commission?bkit skin ndi?T_T
@kath ano ba content ng email n dapat isend ko sa insurance commission?ty
@ eds: ako kc nkiusap ln ako na tulungan nila akong mprocess ng mbilis ung cancellation ko and ung refund. cnama ko run ung dalawang SOA at ubg pirmadong cancellation letter ko. pero dapt ata mei kasmang complaint para msmbilis. kainis ako nkiusap ln.
I’m going to Megamall today, papacancel ko yung policy ko. Sino gusto sumabay? Mas madami tayo mas maganda mas matataranta sila! Mas mabilis sila aaksyon. text me 090586833429
buti nalang i got to see this first before trying to contact them….. advice nalang siguro sating lahat…. kung wla naman tau ginawa… wag tau mag expect na may premyo…. kahit nga sa lotto pumipila ka para tumaya e… hehehe… keep this blog alive para sa mga future na ma scam ng PPL..
letter of cancellation lang ba pwede na para mapacancel ung policy???
covered pa ng 15 days free look period ung policy ko…what should i do para ma cancel un at mai charge back ung amount na nakuha sa Credit Card ko???please help po.
Hi . Im also one of the victim please help din po. Hope they will not be given a chance anymore to waste peoples time effort and money and make our lives worst!!
@ kath.salamat sa reply.sakin kc alam mo nung nagcash out ako ng mahigit 30k after nun d ko n cya hinulugan ng premium kc ung credit card ko nadeny nmn so sabi ko w8 n lng ako 1 year para marefund ko kc un nmn sabi sakin sa sm north.nanghihingi sila ng isa pang account.so binigay ko ung BDO account ko pero dko n naiswipe salamat sa dyos kc nasa probinsya n ako nun.pero natatakot pa rin ako makalatas sa BDO account ko kaya lagi kong winiwidro ung pera sakali meron magdeposit.before pa nung kakarecruit lng nila sakin gus2 ko n magcancel kaso wala akong makitang site n ganito ngaun ko lng nabuksan to at d ko rin binasa n ung mga papeles n binigay nila sakin sa sobrang sama ng loob ko ayaw ko tlga makita kahit anong papel n tungkol sa pplic.ngaun naliwanagan n ako pero too late n nga 1 year n.pero try ko pa rin kunin ung refund sayang un.d pa nmn alam ng asawa ko un
@eds, inemail ko ung mypolicy@philprudentiallife.com tpos nka-CC ung insurance commision(pubassist_ic@yahoo.com.ph; ocom@insurance.gov.ph; pubassist@insurance.gov.ph)… lagay mo sa email mo ung reason kung bakit mo kelangan ikansel tpos i-atach mo na rin ung cancellation letter mo., after mga two days magpapadala ng mail ung IC kay gregorio mercado(CEO & president ng PPLIC). icocopy ka nila dun.,tpos ifollow up mo ng ifollow up sa prudential kc pg hinayaan mo lng ndi ka nila nun papansinin., ang diskarte nila imimiscall ka nila tpos ilolog nila na ndi dw cnagot., ganun nangyari sakin., may log dun sa system nila na ndi ko dw cnsagot ung twg., eh beses lng nman cla tmwg tpos 2 consecutive rings lng… tpos pg tumwg ka sa kanila baba2an ka nila ng phone tpos pala2basain nila na tayo ung pumutol sa linya…
@ kath, may refund din ako makukuha 30 to 45 days din pero sabi nung nakausap ko ipa2rush dw nila. ewan ko lng kung totoong ipaparush. hehe.
all.. para sa mga gusto pa magpakansel malaking tulong ang insurance commission kc takot ang PPLIC dun. sabi nga sakin nung CSR nila bakit daw pinarating ko pa sa IC. sabi ko pahirapan kc magpakansel sa inyo kya humingi na ko ng tulong.., kpg ngsend kayo cancellation before 15th day free look up period tpos pinrocess nila after 15th day na, kakaltasan kayo ng 10% sa refund pero wg kayo pumayag, sabihin nyo kasalanan nyo yn kc ndi nyo agad pinrocess.,
matindi cla dumiskarte para lng madelay ung processing.,.
Anyone here na nakuha na yung refund nila? tumutupad ba talaga sila sa usapan? Most of the comments ay na-cancel na nila yung policy nila,but the question is do they really give the refund within 30-45 days?
Hi,
Please help me naman… I have a blog about this. I was also experienced this only last November 24, 2010
<a href="http://donnysite.blogspot.com/2010/12/is-philippine-prudential-life-scam.html"
Please leave your comments on my blog…
Ready na lahat ng kailangan ko para sa pagpapacancel sa saturday….nagprint na ako ng madaming kopya ng Letter of Cancellation…nagpa photocopy na rin ako nung mga documents na binigay sa akin….at gumawa ako ng transmittal as evidence na naibalik ko na sa kanila ung mga un…inisa isa ko pa….hahaha….nagprint na rin ako ng Dispute Letter ng CC company ko para in case na na nacredit na dun…ready ng ifax sa CC co.
sana maging successful ang lahat at mai charge back ung nakuha sa credit card ko…salamat sa mga post na nakatulong para sa tamang procedure ng pagpapcancel…at sa mga tips na para tumibay ang loob at makasagot sa mga makukulit na agent, supervisors at managers ng pplic….
GOD BLESS me….at God Bless sa lahat ng magpapacancel pa at sa mga on process pa ang cancellation….
SUGOD!!!! HAHAHA
my policy was cancelled 4 days after i got it. good thing i have come upon this page.
niready ko talaga sarili ko nun na makipagsagutan just in case pagtulungan nila ako iconvince na wag magpacancel. ayun, buti din at walang maxadong employees nung pumunta ako sa megamall to have the policy cancelled. i just gave my letter of cancellation to the customer rep and retained a copy signed by her as proof na natransmit ko un sa kanila. i also photocopied the related documents. now, i am just waiting for the chargeback sa credit card ko. 30-45 banking days might be long pero ok na din kasi at least, di nko machacharge ng premiums starting january 1, 2011…
pero ayun, bayad pa din ako finance charges sa cc company ko. wala naman kc ako ganun kalaking pera to pay the amount charged by pplic. haha! antay ko nlng un chargeback. sana mabawas na xa sa credit card ko before ang jan. 4 para 1 month finance charge lng mabayaran ko..haist, asar tong pplic na to..perwisyo talaga!
buti at maaga akong nakapagpacancel..although legit cla, bulok talaga marketing strategies nila. what a shame! di ba pwedeng baguhin nila style nila? nakakabwisit lang..
I am also receiving a call from this land line number (032) 412-6406,she’ name is Angel Flores from Phil.Prudential. She called me this morning sabi may educational plan daw ako na panalunan at transferable daw, I remember sa SM City Cebu,may na fil-upan akong form about a raffle,the they ask me to present any of my active savings account o debit-credit card, duda ako kaya hindi ko binigay sa kanila any of my bank account information, kaya i received a call this morning sabi pa na nanalo ako sa educational plan, at pinapunta nila ako sa
ROM 308 3RD FLOOR KEPPEL AYALA CENTER CEBU CITY,pero buti nalang i saw all the negative comments about this scam at thank you LORD,hindi ako nagpaloko sa kanila..
haaayy recently lang nabiktima ako..pero papacancel ko na ngayon..i learned a lesson in a very hard way..Thanks MJ you give me hope..wala pa 15 days ung akin..pangalawang beses na kasi tong ipapacancel ko bobolahin at bobolahin lang ako dun..kaya need ko ibang way..
sana makuha natin mga pera natin..tama keep this blog active.. haayy I hate them..
God Bless everyone..
i just received a message from this LOUIE AGUILAR THAT I WON 3 REWARDS AND FREE PRIVILAGES ,HOW CAN I WON I DON’T KNOW THIS CO. AND I NEVER ENCOUNTERED THEM.I FOUND OUT IN THE INTERNET I SEARCH THAT THIS IS A SCAM .WHY SM ALLOW THIS KIND OF ‘PANLOLOKO’ TO MANY PEOPLE?
huwag na huwag kayo mapapaloko sa prudential life insurance.
na XXX na sila dahil sa panloloko nila. Hold up style ang companya nila….
did anyone watch XXX today? I guess all of the people who were conned by this company can approach Anthony Taberna and have your monies refunded as what was done with jocelyn’s case(the subject of today’s XXX episode regarding Philippine Prudential Life Insurance).
PPLIC’s deceptive marketing (and this page) featured in XXX tonight.
NAKAKAHIYA TALAGA ANG PPLIC! Hindi ba nahihiya yung mga employee nila na nafeature sa video na nakita na ng buong mundo na nanloloko sila ng tao? CHEAP.
guys, dapat talaga doble ingat lalo na malapit na xmas bakit nga ba pumapayag ang mga MALL di ba naisip ng may-ari ng mall na nakakasira din iyon sa kanila. sana iniisip din ng may-ari ng mall ang kapakanan ng mga customer nila mas marami ang customer ninyo kaysa sa SCAM COMPANY na iyan.. galing magsalita ng mga agent nila kasi dami sila nabiktima …. SA MAY-ARI NG MALL DAPAT PAALISIN NYO NA YAN KASI MAKAKASIRA LANG YAN SA MALL NYO BAKA MABAWASAN KAYO NG CUSTOMER ….
SANA DI BITIWAN NG MEDIA PARA MABUWAG NA ANG SCAM COMPANY NA YAN GRABE DI NILA INISIP ANG EPEKTO SA MGA NALOKO NILA O TALAGANG WALA SILANG KUNSENSIYA PARA SA PPLIC AGENT MAAWA NAMAN KAYO SA MGA NABIKTIMA NYO NAISIP NYO BA ISANG ARAW BAKA ISA SA FAMILY MEMBER NYO MABIKTIMA DIN ANO KAYA ANG MARARAMDAMAN NYO …. TO ALL AGENTS OF PPLIC PUMAREHAS KAYO WAG KAYO MANLOKO ….
kapapanood ko lng po sa XXX of ABS-CBN yung tungkol sa scam na to. nakuha ko yung policy ko last july lang at nagstart na cla magkaltas this month sa kin. sino po ba makakatulong sa kin kung panu yung process ng pagpapacancel sa policy ko. kailangan ko po kasi yung pera na yun. Thanks po.
just watched “XXX” of abs-cbn, according to the Insurance Commission, the strategy of PPLIC can ba classified as deceptive marketing. always remember the precautionary measures of your credit card companies & savings banks regarding the ways to take care of your credit card accounts & savings accounts as well… laging maging mapanuri, maraming manloloko o mandaraya…
@ dj: i agree with you..
guys, have u watched xxx, from the episode, it seems that the Insurance Commission is not familiar with the issue and will just keep an eye on the movement of PPLIC, knowing that some of the people here already addressed the marketing strategy of these ‘bad guys’. Unfortunately, even I, myself, still got no response from IC from the day I raised my concern
so bad…
btw, me and my wife were also victim of this scam last August 2010…tsk3 too bad for my ATM
ofcourse nagreklamo kami knowing that after that day we feel betrayed and f*ck*ng scammed in front of our face…
Less than a month lang, we already got our initial…yey
Payo ko lang guys, INSURANCE is GOOD, esp for PROTECTION and SECURITY for SELF, FAMILY and LOVED-ONES, but if you feel that it’s not yet time to apply for it, wag muna. Don’t be fooled sa pamimilit/pressure ng ibang ‘mapanlokong tao’.
and also it’s your MONEY, PAGLABAN niyo, esp now Xmas… hehehe
Wish u all Merry Xmas and Happy New Year… (and also to PPLIC guys…grrrr)
hello po uli. paemail naman po sa judith_ptrp01@yahoo.com.ph kung anu yung mga dapat ko gawin para mapacancel yung policy ko. thanks po uli.
hi..please somebody help me….victim ako ng company na yan, big amount of money talaga nakuha nila sa’kin, P96,000.00, tapos nakapag bayad pa ako ng 3 mos., worth P13,800.00 this November lang..mababawi ko pa kaya pera ko? What should I do? Tulong naman po..:(
@mir
have u tried to file for a cancelation? plan ko po kc magpacancel na.
hi guys. finally, na XXX na ang PPL! i didn’t know na may thread na pala about the scam they are doing so sana ayusin na nila ang marketing strategy nila kasi deceiving talaga… nakakainis sila and nakakaawa yung mga na biktima.
my bf and i muntik na rin sa sm southmall last year and good thing may binabayaran talaga siya na house and lot so d na kaya ng budget pa i-accommodate plus may life insurance na rin kami from our parents.
magaling magsalita talaga ang agents nila na halos d ka nila bibigyan ng chance masyado magtanong… mabilisan lahat until andun ka na sa office nila. io-orient ka nila and kahit “NO” na sagot mo paulit-ulit eh tuluy-tuloy pa rin. maaawa ka kasi super nag eeffort sila para makabenta na maiinis ka rin naman kasi orientation na pala eh akala mo raffle lang! hindi ka naman kukuha so sana wag na i-push pa masyado.
ganun ba ka-kapal ang PPL na ang daming nagrereklamo and/or nagca cancel and yet tuloy pa rin sila sa ganung strategy??? grabe, be truthful and straight to the point na lang sana. mabait and considerate ang pinoy sa totoo lang pero wag nila i-take advantage masyado. if gusto talaga ng insurance, kukuha ang tao and wag na lang manloko na kunyari nanalo or may raffle.
also, mr taberna asked the management of PPL if related sila with PRUDENTIAL LIFE kasi maco confuse ka if iisa lang ba sila pero sad to say, HINDI.
“what goes around comes around”
ano po gagawin ko? nka 1year and 3mos. na ako sa pgbabayad sa kanila..
:(
hidi pa ako nkapagfile, worried ako baka di nila ako papayagan kc nga 1year and 3mos. na ako sa kanila, P109,000.00 na lahat nakuha nila from my account..pwde ko pa kaya macancel policy ko? kakalungkot talaga! kakainis!
somebody help me please……
I know how it feel pano maloko. Hay buti n lng ndi q maxado ineentertain ung mga ganyan tao s mall. many times n rn aq nakaencounter ng mga ganyan pro ndi q cla pinapansin. sa mga empleyado ng PPL or ung mga agent i tink maghanap n lng cguro ng ibang job. Buti natitiis din ng mga yan manloko para lng makabenta at may papakain sa pamilya nla. pano kng ung niloko nla eh ung perang napunta s PPL ay pera sana n papakain s family ng biktima. Hindi aq biktima ng PPL pro naloko n rn kc aq dati isang networking (WIN)s ortigas s PSE bldg. kaya mahirap tlga. and recently lng lng muntik n nmn aq maloko s internet site. thats life.
sa mga naloko dian just cancel your transaction sa bangko. Gumawa kayo ng letter na nagkakancel ng tansaksyon sa phil.prudential life para marecover nio ang pera nio.Ganyan ang ginawa ko kaya naibalik sa akin ang pera ko ng buo.Mga walanghiya ang mga yan!
I was an employer of Philippine Prudential Life Insurance Company (PPLIC) before. I’m not on them. pero I don’t think na scam sila.. Mali lang siguro yung marketing strategy nila. And pinaka mali sa ginagawa nila as everybody said without any permission i-swi-swipe nila yung credit card or ATM kahit hindi kayo magavail ng plan. It’s not actually about the company. Philippine Prudential Life Insurance Company Inc. sobrang yaman na insurance company yan. Ang sa tingin ko ang mali lang e yung mga agent/s nila. If I know they’re just want to sell as easy as they can. nakonting rapport sa consumer/customer/client akala nila na tama yung ginagawa nila. And that is bad! They all trained for being as good as they can be pero parang sobra ata sa dunong ang mga agent/s nila. As what I’ve learned from them is yung pagiging malakas ang loob. kaso na over yung confident nung iba!!! Lalo na yung mga promo agent/s sa mall. and yung mga sales agent/s nila. But I know They’re just doing that for their families (of course) and I know that everybody na kailangan talaga ng pera sa buhay kahit sa patalim kumakapit. Give them a break people they’re not scam. They’re in good company. Kulang lang sa disiplina yung mga promo/ sales/ telemarketing agents nila. But Philippine Prudential Life Insurance Company ITS NOT A SCAM!!! Just give them a break.
FYI for the trainer of PPLIC this is just a reminders:
PAKIULIT ANG TRAINING NG MGA AGENTS NIYO! LALO NA YUNG HINDI MARUNONG MAG-INTRODUCE NG SARILI NILA AT KUNG PAANO IPAKILALA ANG COMPANY NIYO! Especially yung promo agent niyo na naexposed sa XXX!!!
To: Mr. Arpee, sir ako ay dito po ngyon sa saudi arabia, hndi po ako ang complainant kundi ang friend ko na nandito rin ngyon sa saudi arabia. kc po nabiktima rin po siya sa systema ng mga sales agent ng pplc. naghingi po siya ng payo sa akin kc po meron ako laptop pra esearch ko raw sa internet ang tungkol sa pplc, at ito po ngyon nakita ko dito na totoo pla lahat ng balita tungkol sa pplc. nakita po namin sa episode ng XXX ang tungkol sa PPLC..ang friend ko po ay taga iloilo, dun po siya nabiktima sa sm mall..ang sabi po niya na continuos pa rin daw hanggang ngyon ang bayad niya. by february next year mag 1year na ang bayad niya sa PPLC, ang tanong po niya kung sakaling eparefund daw niya ang nabayad niya(dahil po natakot na rin po daw siya baka mawala ung perang binayad niya),ano po daw ang dapat niya gawin, e kc po nandito siya ngayon sa saudi arabia…salamat po..we believe on you..pls reply..
hi good morning…. napanood ko ung sa xxx last night… i have the same experience with that company…. may nareceive ako txt message. isa daw ako ako sa npili nang company nila n bigyan nang award- like lifetime insurance for free, scholarship program for free at one computer school at may chance pa daw ako manalo nang 50k sa raffle nila since 30 lang daw kaming napili…. so i called them to inquire regarding this txt message. sabi ko panu nila nkuha ung no. since it was new at wala pang 1 mos. ako ngpalit ung postpaid phone ko. they told me, through referral daw. then they started asking me if i have 3 valid i.d’s, sbi ko mron drivers license, sss id and company i.d., they asked me if i have a credit card or any bank id.. maybe atm? sbi ko wla pag wl bang credit card d pwede i claim ung prize and i reminded them if this is a scam rereport ko cla sa legal namin.then sbi skin wait lang daw ako nang txt message from them for the claiming code since wala ako credit card…. until now d n cla ngtxt………
hello,i have the same problem with that company last year and i have let it refunded.mga manloloko talaga sila but good for me that i get my money back.
PPLIC=Deceptive Marketing.
PPLIC=Do NOT Trust Anymore.
PPLIC=Beware, Stay away.
hello! ako din po nabiktima nyan PPL n yan sabi raffle lng tapos ganun ung nangyari napilit din nila akong kumuha ng insurance nila, isa rin akong OFW and kauuwi ko lng nung nabiktima ako kaya wala p akong masyadong alam sa mga ganun, matagal ko n sanang gustong ipacancel ung akin kaya lng nanghihinayang ako kasi sabi nila hindi ko nmn daw n makukuhang buong 28000 something ung initial ko tapos po hanggang ngayon binabawasan nila ako ng 2300 monthly sa banko ko….gusto ko n rin kasing makuha ung pera dahil natatakot na ako dahil na sa napanood ko sa XXX sana po matulungan nyo ako
hi….before ako nagreact, tumawag muna ako sa customer service hotline. mas maganda cguro kung ganun din gawin nyo, kung may nakuha man cla sa atin, e di cla din ang makatulong sa atin kung meron tayong concern. col them at 902-2300 if want answer, call them para may sagot agad, not here…
d ko inakalang babalikan ko tong blog na to after ko nakuha ung refund ko last october. pro kagabi nang makita ko ung xxx uminit ang dugo ko. hanggang ngaun pla nag operate prin cla. same mudos prin. dapat matanggalan na cla ng licence to operate.
buti na lang nakita ko ito. sa akin nag text din yung si kimchie sabi nya sa text nanalo da akong ng rewards. buti nag search ako sa google malamang baka maisahan din ako ng mga sindikatong ito.
@ gie
can i have ur email adress?urgent, pls email me here ana.david123@yahoo.com.ph
thanx
@ gie
can u pls email me here ana.david123@yahoo.com urgent, i ned 2 know wat procedure had u done. ang laki ng amount nawala sakin, i avail d insurance lastyer jan.2009. pls help me and email me.
thnk u.
to any one na naka refund,
is 8 possible to refund the money ng 2nd person like my husband?if possible, what are d procedure?
i would be grateful if some of u can response urgent about this kc nsa ibang bansa po ako kya ung husband ko mg refund.
salamat poh
Nasa XXX na sila. Mag ingat kasi kayo, desperado na sila sa mga ATM ng tao. grabe. God bless!
OMG!! Malaking panloloko nga itong ginawa nila sa atin…I had this kind of experience back in 2008 when i spent my short holiday in PINAS…I was strolling in MEGAMALL then a strange man approached me about this bullshit stuff…the worst was i was encouraged to apply this insurance…PRESTO! they quickly deducted 57 thousand pesos on my account thru my credit card…Then when i got back to UK I realized that I have to cancel it as what my other friends told me…At first, I was struggling to cancel the monthly deductions on my UK credit card. They said the only way to cancel it straight away is to phone the company in the PHILIPPINES. I have been phoning them several times but cant get through…Until such time when I called back my credit card company and advised me of what Im supposed to do with regards to cancellation…I never thought that marami palang PINOY ang naloko ng DANVIL insurance…Good thing i have TFC here in LONDON and had a chance to watch the XXX and exposed this wrondoings…Im just wondering kung pwede ko pa kayang ma refund yung perang nawala sa akin…..I also want to share my experience as well sa isang real estate company na CENTURY PROPERTIES the maker of this so called AZURE condominium…Just few months ago, ay niloko rin ang ilang pinoy dito sa UK…Of course maganda ang presentation nila and they will ask you to fill up the form with your details…In other words, na convince nila ako to make a reservation fee…Obviously,they will ask your credit card details…The agents told me that the money will be deducted within three days pending the completion of other relevent documents like your passport and all stuffs…Shockingly,they have deducted ÂŁ350.00 pounds on my account straight away on that same day…Until now eh hinahabol ko pa rin sila…Mga manloloko ito!!! Kaya sa mga fellow bloggers ko…HUWAG nyo ng tangkilikin yang AZURE na yan baka ma biktima rin kayo…I just hope that people from the media will also exoose this wrongdoings…IPAGLABAN natin ang ating karapatan!!!
THANKS GOD! I ALMOST GOT HOOKED BY THEM WHEN I HAD MY VACATION FROM ABROAD…THEY WERE ASKING ME IF I HAVE MY ATM AND WHEN THEY SAW MY BANK ACCOUNT WHICH ACTUALLY HAS 60T PESOS, THEY SEEM VERY EAGER TO PURSUIT ME…JUST HAPPENED THAT MY HUSBAND WAS THERE (A JAIL OFFICER) AND HE SMELLED SOMETHING FISHY IS GOING ON..IF IT’S NOT WITH HIM WHO INSISTENTLY PULLED ME AWAY, MAYBE I WAS ALSO VICTIMIZED BY THEIR SCAM.. I REALLY FEEL NOW THAT I WANT TO KILL THEM AND CUT THEM INTO PIECES!!!
Walang modus… Walang panloloko… Walang scam… Walang sindikato! kung lalawakan niyo lang yung isip niyo… MALI LANG TLGA YUNG MARKETING STRATEGY NILA! At yung mga agent ang may problema dito hindi ang company! You can call their Customer Service or Visit na lang sa office! Para kayong hindi nagaral sa mga paratang niyo.. Pwede namang pumunta sa opisina nila at magtanong kung paano icancel yung policy! Not in this blog! Ginagaya niyo lang yung maling strategy na ginawa nila! through this blog kayo magrereact??? OMG! tsk. tsk. I’m not favor of their strategy pero kung iintindihin niyo lang na gipit lang siguro sa pera yung mga agent/s na humaharang sa inyo kaya nila nagagawa na mamimilit ng isang taong ayaw. Dahil kung doubt na kayo nung una pa lang na kinakausap kayo at ayaw niyo tlga pwede niyo naman silang layasan sa office nila… Mas nakakahiya patong ginagawa niyo.. instead na pumunta kayo sa office nila you wasted your time para magpost dito sa blog na to’
AT YUNG MGA AGENT/S NG PPLIC! NAKAKAHIYA KAYO! KAPAL NG MUKHA NIYO! PATI YUNG COMPANY NA DADAMAY SA KATANGAHAN NIYO! HINDI KAYO MARUNONG MAGSALITA AT HINDI KAYO MARUNONG MAKINIG! KAPAL NG MUKHA NIYONG LAHAT! BRANCH MANAGERS ANO BA YANG MGA TAO NIYO! ESPECIALLY SM NORTH EDSA, SM MEGAMALL, CEBU AND ILOILO! SINO BA TRAINER NIYO??? BAKIT IPINASA KAYO NG TRAINER NIYO! AT YUNG STRATEGY NIYO ANG PANGET!!! BABAGSAK ANG PPLIC SA GINAGAWA NIYO!!! NAKAKAHIYA KAYO!!!
I am a nurse working in riyadh, me and my cousin (also an OFW) was also a victim of the deceptive marketing strategy of PPLIC, they caught us in SM megamall during our vacation last june 2010, same story from what i have read in this blog, they coated us with all those promising words, amazed us with the prizes that we may get and all they need is our credit card or atm card in hand. To cut the story short we fell in their junky scam…and we were fooled, totally headless. Now after I have watched the XXX TV show @ TFC about the complaints against PPLIC, I’m now decided to cancelled my endowment plan, the problem is I’m here in abroad and they are cutting 1,610php in my credit card every month, can someone guide me on how to stop them from cutting money in my cc and is it possible to file for cancellation even if I am here in abroad? I also want my money back of course. I would appreciate your help…email me at arra_seiffer13@yahoo.com. Thanks!
To All Concerned and the General Public:
Please refer to and access the Official Statement of our Company as posted in our official Website with regard to the XXX episode on December 07, 2010 by clicking the link below:
http://www.philprudentiallife.com/pplic-open-public-letter-on-xxx-06-december-2010/
Thank you,
Customer Service Department
Philippine Prudential Life Insurance Company Inc.
I am a former PPLIC telemarketing agent and I know what we are doing at that time. sinasabi po namin na wag nyo pahawaka n ang cridet card nyo. for identification lang po yun. pag pumunta kayo sa office, may mag intertain sa inyo at mag uusap lang kayo pag pumayag naman kayo sa plano, na sa inyo na yun. hindi naman kayo pinilit na bumili ng plano. but nag quit na rin ako sa kumpanyang yan dahil sa ibang rason at hindi dahil manloloko sila. ilang taon na ang PPLIC at sino ba ang tatagal ng 47 years sa panloloko? at sino ba ang taong gustong ma employed sa isang kumpanyang manloloko?
tnx for the training PPL..
I haven’t investigated this matter thoroughly yet, but from what I’ve read in some comments it would seem as though this Philippine Prudential privilege offered by one Mr. Louie Aguilar (w/c I also received in my Sun Broadband Inbox Messages on Dec. 06, 2010) is a sham. If it’s true, then I will now tell you guys what each of us must do and what I Will In Fact Do; that is to cooperate with authorities concerned with such issues. For Example: Report your experiences to the Bangko Sentral ng Pilipinas Anti-Money Laundering Branch and to other accountable parties like Police Intelligence and so forth. I would also recommend that we inform the Mainstream Media(GMA; ABS-CBN). Let us all act on this TENACIOUSLY. I thank and admire you all for sharing your stories, but please don’t stop there. May the Lord God bless all your efforts and you as well
*mga dating employee ng PPLIC
PLEASE CLARIFY
kung for identification process lng ang credit card at atm namin bat nyo tinatanong kng magkano ang laman? bat nyo rin kami tinuturuan kng anu ang isasagot namin? at bat nyo sinasabing 45 min presentation kng lalagpas dn lng naman kyo ng 45 mins? And last, bakit d nyo nalang deretsahang sabihin sa mga client na nagbebenta kyo ng policy rather than telling them they won something when actually they have to listen to some crap just to get your freebees?
and FYI PPLIC agents don’t accept “no” for an answer. pag i deny mo ung ofer, kng anu anu sasabihin nila at kukulitin ka nila. in my case, i said no and 2 other agents sat next to me and tried to convince me. when i still said no the branch manager Bitsy Villaflor finally came to me. Your strategy is to manipulate people by using their dreams against them. Am i right?
With regard to your question: sino ang gusto ma employed sa isang kompanyang manloloko? alam nyo nmn cguro ang sagot dyan. you’re just in denial to make yourself feel better.
Besides this blog already existed last year and it seems that PPLIC ignored it. and now that they are featured on xxx they are threathened.
kahit ano pa ang sabihin nila at gawin nila ang tawag doon ay PANLOLOKO sa kapwang nilang pinoy… BISTADO na at KARMA na yan. at sana ung manga tao na bumalik sa PAMILYA nila ang ginagawa nilang PANLOLOKO.
sino po ba yong mga pangalan ng mga TAO na yan. pwedi ba makuha… ipapatay ko yon? aabangan ko sila sa SM
uubosin ko ang manga lahi nyo manga manloloko… specially PPLIC agents… total empirno ang punta nyo
The Philippine Prudential Life Plans “Scam”? | New Media PH: Social Media, Internet Marketing, and Business Blog - December 8, 2010
[...] SharePhilippine Prudential Life Plans Inc. is currently taking a severe beating online from several bloggers and major forums. According to the various entries that I’ve read, the agents either send you [...]
ganyan din sa Family First and Club Astoria.
BEWARE!
hey guys… too bad i was not abe to watch XXX last saturday..i’ll try to look for it in youtube..hope it’s there…
i am also a victim of this company,, 10200 was deducted from my mastercard and i filed for cancellation way after the freelook period and now i’m trying to get my refund but a certain jeffrey ponce told me that i’m only getting 3185 for refund…ang sakit isipin na ang perang inipon mo basta na lang mawawala sa isang iglap lang..until now d pa ako pumupunta sa megamall to submit my cancellation and request for refund kase hoping pa rin na makukuha ko kahit 75% lang ng pera ko…at ngayong na-TV na pala sila guys, possible kayang makuha ko ng medyo malaki yung refund ko????sa mga nakakuha na ng refund please advise…thanks…
has anybody from cebu who fell to this scam wants to cancel the policy? I am going to do mine tomorrow or the next day. It will be better if we go together..
thanks..
I have this ‘google it’ habit before buying some stuffs like gadgets or lcd tv. But this time, I failed to do that before going to PPLIC office in Makati. Yes, I am also a victim of this insurance company yesterday (08Dec10). Thank God I checked this out and found exact information I needed for the cancellation. I have all the documents prepared and planning to meet Ms. Genie later in their office in Makati. I hope everything will go well.
Anyhow, I just wanted to share how good the customer service of Citibank.. I discussed my concern to one of the agent and though they are not allowed to disclosed any information on any Merchant like PPLIC, she provided me some helpful tips on what to do. Moreover, I was relieved to here from her that there were already some instances similar to my concern and she mentioned that it is really possible to cancel the transaction from PPLIC.
I will keep you guys posted!
I ATTENDED A JOB FAIR AT SM MEGAMALL last October 9 2010. while roaming around the mall a lady from PPLIC approached me asking if i am using a visa or master card. when i answered yes, she started to convince me, first, there is a free gift and a raffle ticket. after some convincing words i was guided to their office, several agents tried to convince me and wasted my precious time. AS I TOLD THEM I AM NOT INTERESTED, they ask me to swipe my credit card.. what i did, i gave the cards which are already closed to end the transaction,. when they swiped it and declined, that’s the time they stopped convincing me, suddenly, the supervisor walked away, sensing that they wont’ get anything from me.. BEFORE I LEFT, I WAS GIVEn An electronic raffle ticket which COULD (?) win a honda car… They have not taken any money from me as i outsmarted them, BUT my time was wasted… BEWARE OF THESE PEOPLE.
im one of the plan holder last november 22, 2010 of philippine prudential life insurance company incorportation or PPLIC…have a concerned after what happen at XXX and happen to my brother who also a victim of the said company…if i will cancel my policy do i need to go to their office personally? since im here recently residing at general santos city then i got my policy at Cebu keppel building…it is okey if i will send them a letter of cancellation or i will fax it..it is wasting time and money to travel back to cebu just because of that matter..can u help to have smooth and fast transaction with them then to easy back my money on my ATM. what will i do if the transaction made bank to bank i mean ATM Debit..do i need to have dispute letter?
after my mom told me early yesterday morning i go to my bank then withdraw my money then transfer it to a new account…afraid what happen to my brother after they invite them to have a 45 minutes presentation one of the agent ask his credit card swipe for verification only , then out of a sudden when his bill came out something wrong found out the PPLIC deduct him 30 thousand but he is not plan holder of the said company..so a big question to PPLIC why is that happen..even for verification only they can have scam? that is the one reason why i decided to cancel also my policy…
please help me also…
may nabuo n bang team pra d2 ?pra mapursue na marefung ung buong pera????
@angel…got my policy at keppel building, cebu..but sadly im residing here at general santos city…then im planning to cancel it as soon as possible…my cancellation letter is ready..my concerned do i need to go to their office at cebu to present my cancellation letter?
I already have my policy canceled and have the SOA and certificate of cancellation.MY question is do i need to file a dispute to my bank when i was using my ATM savings card..thank you
@ angel – that is also my question im using also my debit/atm.
will ask anybody anong advice nila if we need a dispute letter, please email me the sample of dispute letter.
wel_kat08@yahoo.com
great job arpee!yong blog mo nakita ng xxx..
@pplic: BS! pweh bisag unsa inyo ingnon parehas ra istoryaha..can’t you find a more decent job than tricking people?
kung si leonardo may INCEPTION.kayo naman, stars ng “DECEPTION”!!!
please pasend po ng cancellation letter, how come na pinapayagan pa ren ito ng Insurance Commission after na ipakita ung way na pag daya nila sa mga tao, just now, nkita ko tong video and earlier lang ako na manipulate ng mga manlolokong yaN!!!
@mr.arpee…
congrats at yung blog mo yung nabuksan ng xxx..it’s sad to know na kahit nafeature na sa tv ang pplic na yang patuloy pa rin sila ng pambibiktima…kawawa naman yung mga taong napapaniwala nila sa mga panlolokong ginagawa nila..tulad ko…haayyy…nakakalungkot isipin na may mga kompanya pang napapayagan magoperate ng ganyan kahit sobrang obvious na ng mga panlolokong ginagawa nila….
@FADER
sa astoria club? talaga? buti nalang yung naka libre kami ng pag kain dun sa buffet, yung friend ko kelangan na talaga umalis for work. good thing talaga! muka ngang mataray yung manager nila. nananakot pa yung mga katabi ko na bakit daw isa isa, baka raw papatayin. mga sira talaga yon mga stranger na yon, natatawa tuloy ako. lol. buti nalang talaga may kasama ako marunong, kaya may quick tour kami agad sa mga rooms nila. pag tapos kain, tour agad sa showroom nila, may tactics din ang dila, narinig ko kasi, hinahamon ako, or testing kung mayaman ako o hindi, kaya binara ko din afterwards. sabi namin babalik kami, pero talagang hindi na kami nakabalik, buti sinabi mo, kasi may balak kami bumalik, dahil emegergency talaga na kailangan na namin umalis, which is true! yung manager nila sinabihan kami agad na bago raw kami kumain sinabihan na kami na may 45 mins din daw na usap and sinabi ko agad na IKAW NADIN NAMAN NAG SABI NA WALANG OBLIGATION, FREE BUFFET! sa text nila. SO dun na kami pinakawalan, kung hindi siguro sa DANVIL PRUDENTIAL SCAM TACTICS, HINDI KO SIGURO ALAM GAGAWIN KO SA MGA PUNYETANG TO, THANKS FADER FOR THE TIP ABOUT ASTORIA CLUB, NANG AAWAY NA KASI AKO NUN. mauna na raw friend ko, ako maiwan mag isa, eh ako nga nag yaya sa kanya, dapat sabay kami alis. gago ba sila! buti nalang talaga matigas din ulo ko. and may experience na ako sa mga scammers na yan! eto yung dahilan–
NA EXPERIENCE KO DIN ANG SCAMMING tactics NG DANVIL PRUDENTIAL LIFE NA YAN!!!.
YUNG PUNYETANG MGA SCAMMER NA MUNTIK NA TALAGA AKO MA SCAM- NAKUHA KO ANG NAME AND ID NILA. MGA TANGA TALAGA. HINANAP KO PA SA FRIENDSTER NILA. DAHIL WALA SILANG FB NUON.
PINA BLOTTER KO NA DIN NUON PA- ETO ANG MGA NAMES NILA!!!
RYAN GIOVANNI SOQUE GOLLOSO -AUG 15 1987
ROCHIE V ALGARJA (I THINK SIYA YUNG NASA XXX)
WHEW! ANG DAMI KONG PICTURES NILA. MUKANG MASAYANG MASAYA PA SILA SA PHOTOS NILA.
SEPT , 2009 – ETO STORY KO, BUT ISSHORT CUT KO NALANG, SUPER HABA BLOTTER KO SA KANILA, KINABUKASAN DIN KASI BLOTTER AGAD AKO.
naglalakad ako sa SM NORTH, dahil kaka car nap lang ng kotse ko at that time, etong baklang to, as in literally nilapitan ako na pwede raw ako manalo ng kotse, 45 mins lang raw? i forgot na. inip ko naman, baka swertehin ako! anyway, pag dating don, pinag pasa na ako sa ibang scamming agent nila, shake hands pa ng shake hands. ayaw ko mag kwento ng personal life ko, but it seems na na re-reverse psychology ka nga nila na makapag share, not that i shared everything about my life, but family for me is a very private matter. talagang they want to make you think about your family! ALAM NAMAN NATING LAHAT NA YUN ANG PINAKA WEAKEST SPOT NATIN DIBA! SO DUN TAYO DINIIN SA KWENTO NILA. GUSTO NILA TAYO PAISIPIN. OK TO MAKE IT SHORT SINCE lahat naman ng story niyo same sakin. instinct ko tawagan ko mama ko dahil, kaso wala ng battery isang cp ko, and yung isang cp ko naman prepaid lang na ayaw ko ipang tawag sana. 4 hour na akong nandun at that time. they started mocking me when i said i need to call me my mom first. HINDI RAW BA AKO MAKAPAG ISIP SA SARILE KO, its not that hindi ako makapag isip sa sarile ko, pinagod niyo na utak ko, sa co-convince na iswipe ang card ko, kahit na sinabi ko na baka wala ng laman yan!!!! gusto pa nila pa icheck! buti nalang hindi natuloy, shit! muntik na muntik na talaga ako! grabe! buti nag dadalawang isip ako nun! malapit na talaga i-swipe! kaso ang huli kong sabi, teka tawagan ko muna ulit mom ko, dahil before na scam na ako sa pyramid when i was 14 para lang sa 3210 na bwisit na cp na yan! 1997 or 1998 ata yun! yung tinatawagan ko na talaga mom ko, saka lang sila na, sige, wag na, palaruin mo nalang nung lotto ba yun, para sa kotse.pina cancel ko pa credit card ko that night pag uwe ko, kinuwento ko yun agad sa mom ko! and hindi talaga ako makapali, so tinawagan ko yung SM,sabi ko mabigat loob ko, and kailangan ko ma complaint talaga, dun ko nalaman sa phone pa lang na SCAM DAW MGA YAN! MARAMI NA RAW NAG REPORT. mga 9pm, sakto malapit na closing yung tumawag ako! 4pm nila ako na approach niyan, mga 7-8pm na ata ako natapos sa kapunyetahan nila. sa totoo lang, 20 pages ang sinulat ko for complaint, and matagal nadin naman yun,kaya hindi fresh galit ko, pero gusto ko tumulong! yung pina blotter ko na, and pina report ko kinabukasan sa SM north, sa security office nila, sinamahan nila ako, dun ko nalaman na ang dami na nilang victim! marami na raw umiyak diyan, nagugulat nalang, bawas na credit cards nila, i ccheck nga lang raw! pinatawag yung manager, vinideohan ko pa, hindi raw siya scammer! and wag ko raw siya videohan. sige, hindi ko nga nakuha full face mo, nakuha ko naman last year pa sa friendster niyo! and galit na galit talaga ako. papapuntahin nalang daw manager dun sa security office ng SM. sabi ko hindi! nag pasama ako sa guard papunta dun sa place nila, and dun ko na nakuha id nila. i hope yung mga taong nandun, narealized nila na scam yon, yung nag cocomplain na ako dun, kasama pa mga security/customer service, im not sure ano tawag sa kanila. kinuha ko din pati form ko, mga info ko sa kanila. pero it seems na may nag ttext padin sakin galing sa kanila after this year. 2x pa! na claim ko na raw rewards ko.
“Final Notification: gud day! ds s Mr. Erwin sy from PHIL.PRUDENTIAL. UR 3 EXCLUSIVE REWARDS AND PRIVILEGES For free are still here n our ofs.U need to Claim and Activate TODAY becuase the management will finalize all the records of our recipients who don’t claim their rewards. FOr your claiming code w/u will need to present upon claiming;you may call exclusively in our makati ofs from:9am to 5pm for further information. (02-7551532) upon receipt of this msg. many thanks and Godbless! (DISREGARD IF CLAIM)
SENDER: +63927-660-7207 /AUG 14, 2010 / 10:45:07AM
ang alam ko kasi dapat wala na ako records diyan. pero nasakanila padin number ko. dibale, pina block ko nadin naman number niya sa ntc. and pag hindi nila tinangal yan, ipapa report ko ulit yung employees nila by putting my names in their list. dahil i also told them to delete all my records sa kanila.
@JA- TAGA LA SALLE DIN AKO, AND ANG KAPAL NG MUKHA NIYANG SABIHIN HIS STUDYING THERE! HA! TALAGA, TAPOS SCAMMER KA! LAHAT NG STORY KO, SIYA RIN DAW! AND CHINESE DAW SIYA! WTF! MUKANG FILIPINONG FILIPINO NGA, NAKUHA KO ANG ID NIYA, FILIPINONG FILIPINO PADIN ANG NAME! GINAGAGO BA NIYA AKO! WALA AKONG PAKI SA KUNG ANONG LAHI KA, GAGO! INNUBOS MO ORAS KO, NAKAKAGIGIL BASAHIN YUNG COMPLAINT KO BEFORE. YUNG PINATAWAG YUNG KUNWARING MANAGER SA OFFICE NG SECURITY NG SM, TALAGANG GALIT NA GALIT AKO, KASI USUALLY CALMADO KO, PERO AT THAT TIME. ANG BIGAT TALAGA NG PAKIRAMDAM KO SA KANILA. THANKS TALAGA SA MGA SECURITY/CUSTOMER SERVICE NG SM NORTH, ANG BAIT NILA, SINAMAHAN TALAGA AKO. PWEDE KO RAW PA BLOTTER, SO I DID! AND PAG DATING DUN SA POLICE STATION MISMO, IREPORT KO RAW SA ABS, OR GMA. I TRIED, but minsan kasi, marami din tayong dapat unahin. hangat nakalimutan ko na. IM REALLY GLAD THAT DESPITE ALL OF THIS, NAPA XXX NA to! IM REALLY REALLY GLAD! i also remember one time this year, may lumapit ulit sakin. sa inis ko malakas sinabi scammer!!!, para marinig din ng ibang tao! ang ayaw ko talaga sa lahat scammer, dahil naranasan ko na yan yung bata ako, because gusto ko itry yung business na yon. pero ganun talaga sigruo wala tayong magagawa! marami talagang scammer kahit san. kahit sa business. pero it does not mean, we can help each other to prevent others falling into this crap hole!
@XXX bistado na
check mo sa mga unang paragraph ko,binigay ko mga names nila.
guys just remember! cancel niyo agad credit cards niyo! wag kayo pirma ng pirma! when in doubt wag na gawin! mahaba pa sana sasabihin ko, pero mukang super haba na ng story ko, lol.
and yes i did get a free bag! but so what, the fact that they wasted my time to nothing!
WANTED PEOPLE! RYAN GIOVANNI SOQUE GOLLOSO,
JHINNEFER RAFINNAN, ERWIN SY, NORNIEL GALLARDO, MELVIN SARAGOZA & ROCHIE V ALGARJA.
Should you have problems/clarifications, you may email this email add:pubassist_ic@yahoo.com.ph,pubassist@insurance.gov.ph, xxx@ABS-CBN.com. we shall make ourselves always available. Thank you and we are looking forward to serving you. Godbless you all!
hi, ako ulit to, i think i am going to share ano pina blotter ko, nandun lahat story ko, i will post it again here. natuwa ako, xxx pa nakakita talaga sa blogs na to, binabasa ko kasi ulit yung mga sinulat ko nuon sa complaints ko, kaya nalala ko na. i hope mapasara na talaga tong scamming office nila. family planning na pa iba iba ang mga names nila. nalala ko na! sabi din ng family ko na bata pa pala ako, muntikan nadin sila ma scam diyan, so it means matagal na talaga silang scammer! i really want to share everything that i have written in my complaints, and i po-post ko yon soon. lets join forces guys! either hindi ka man na scam, or muntikan na, and na scam talaga. dapat mapatumba natin mga to. mga liars talaga. tsk tsk.
ps- my apologies to my writing errors, ex,
“pero it does not mean, we canT* help each other (namahulog sa mga trap nila) from falling into this crap holes!” etc.
i went back to their office and cancelled mine, and i called citibank right away to ask if i have to send a copy of the cancellation that was given to me by PPLIC. I was informed na let the PPLIC send the cancellation to them. Is that how it really works? need help. thanks
,,kayo lang kasi nag iisip na scam ehh.bakit hindi nyu tanungin mga plan holder nila na katulad q na ineenjoy ang pera after 12 years..
guys, ngaun ko lang nabasa itong site nato, at sad to say e kelangan ko pang magshare ng katangahan ko dito.! etong dec 12 lang, sa sm north, nilapitan ako ng bading na HAPPY daw ang name, kesyo may tatanung lang daw. tas un nga may raffle daw para sa kotse. alam ko naman na lokohan lang un. ang malaking pagkakamali ko lang, nabigay ko ung atm ko, kasi nga, gaya na din ng mga naunang nagcomment dito, e titignan daw kung mag ok sa system nila ung auto debit arrangement sa bdo daw. e gawa nga ng malaking kumpiyansa ko na di nila ako mababawasan dahil sa security nga dapat ng mga banks, e pumayag ako, kasi kumpiyansa ako na di mababawasan un, ang pinaka mali ko lang, binigay ko pa pin number ko! 14,241 lang naman ang nabawas sakin, to think na isa lang akong minimum wage earner na bread winner pa sa pamilya, at alam nila un dahil sinabi ko talaga background ko dun sa putang inang irene na un. tapos ginawa pa din nila yun? oo alam ko di naman lokohan ung inooffer nila, kasi mismong bdo call center ang nagsabi na di naman tumattanggap ng scam ang sm malls, pero eto din ang cnabi ng bdo: WALA CLANG AUTO DEBIT ARRANGEMENT SA PHIL PRUDENTIAL LIFE INSURANCE AT DI NA NILA KELANGAN NG GANUN KASI MERON CLANG SARILING BDO INSURANCE!!! ang sama ng style nila!! talo pa nila ang pokpok, sa totoo lang, excuse me sa mga nasasabi ko kasi alam nyo ung 14,241, saming mga mahihirap, e TAON yan kung ipunin, minsan 2 years pa!! CNUNG MAY KELANGAN NG LIFE INSURANCFE SA GANUNG HALAGA KUNG UNG PAGKAIN MO PA LANG SA ARAW ARAW E BAKA IKAMATAY KO PA PAG DI NAPUNAN DB? ayun, sabi na lang sakin e punta daw ako ng sunday para mapag usapan. kung sinu pa dito ang mga nagawan ng ganito, txt nyo lang ako, 09289383727, 09264382796, 09227328436. pag di nila binigay pera ko, magsusumbong ako kay tulfo! txt lang kayo, pakilala lang ha. gud day.
iklaro ko lang, wala akong cnabi na scam cila, pero yung paraan ng pakikipagusap nyo sa tao para maengganyo nyo, at DI NYO MUNA INISIP UNG TUNAY NA KALAGAYAN NG TAO KUNG HABAMBUHAY BA CYANG MAY IPAPAMBAYAD SA INSURANCE NYO! ANONG UUNAHIN NAMIN, UNG KAKAININ NAMIN BUKAS, MAMAYA, SA ISANG ARAW, O YANG PLAN NYO NA PINAPA AUTO DEBIT NYO PA, NA DI NAMAN PALA ALAM NG BDO TAPUS SASABIHIN NYO MAY ARRANGEMENT KAYO!? PUTANG INA!!! KE IBIGAY NYO PERA KO O HINDI, SINUSUMPA KO KAYONG LAHAT JAN!! DI KAYO SCAM? OK FINE. LUMABAN KAYO NG PAREHAS. KAMING MGA KINUKUHA NYO NAGTATRABAHO KAMI NG MARANGAL, PARA MAKAIPON ANG DAMI NAMING PINAGDADAANAN. TAPOS KUNG ANU ANO SASABIHIN NYO, ISANG SWIPE LANG NG ATM GANUN NA LANG? MAGAANTAY PA KAMI NG 7 YEARS O 15 YEARS BAGO MAKUHA UNG PERA? OK SO SABIHIN NATIN NA TOTOO YAN, TAMA BA UNG PAMAMARAAN NYO? MAGISIP ISIP KAYO… COLLEGE GRADUATE PA NAMAN KAYO, UN ANG SABI NYO DIBA? YAN NA BA TINUTURO SA COLLEGE NGAUN? ABAY TALO PA PALA KAYO NG MGA TAMBAY AT POKPOK E. PWEH!!!
isa pa pala, ingatan nyo yang credit card nyo, saka yang atm. ako talaga before ayoko ng atm, mas gusto ko ang pasbuk. nuon yun nung mejo bata pa ako. pero cguro nasa tao din talaga minsan ang mali e. sabi nga nung bdo call center, “e bakit mo pinahawak sa kanila ung atm mo!”. un lang guys malaking pagkakamali na un. YAN ANG NUMBER ONE NA WAG NYONG GAGAWIN!. un lamang muna. sa sunday dec 19 ipapacancel ko na to. who needs a life insurance? may sss naman db? may philhealth naman. wag na taung sobrang gahaman na pag namatay tayo gusto pa natin magkapera pa tayo ng sobrang laki!!! im not saying na panget ang insurance, ang lesson lang cguro dito piliin natin ung insurance na di na kelangan gumawa ng ganito para lang may sumali sa kanila. walang masama mag insurance. binigay ko na number ko, kung may magagalit sakin ok lang, di lang ako ang biktima dito.
To All Concerned and the General Public:
Please refer to and access the Official Statement of our Company as posted in our official Website with regard to the XXX episode on December 07, 2010 by clicking the link below:
http://www.philprudentiallife.com/pplic-open-public-letter-on-xxx-06-december-2010/
Thank you!
Customer Service Department
Philippine Prudential Life Insurance Company Inc.
yes, we have read this statement more than once because you have posted this more than once on this blog. However, the open letter by PPLIC management has failed to answer the very issue that we had in common: the deceptive marketing. Your statement has clearly skirted this issue and instead has focused on the basics on whether the complaint had a happy ending or not. we never complained about the ending, because we are all responsible for our purchases. what most of us complained is the way the product was marketed, which this video here clearly showed.
1. insisting the only a credit card or atm are admissible as IDs.
2. making customers believe that they won something, only to entrap them to buy insurance.
3. harassing, misleading and unrelenting in-your-face hardsell which exploited our filipino good nature of politely refusing to get us to buy insurance.
4. making people input their pin because you need to “verify” the ID resulting in an unwanted purchase
the complaints are all about the deceptive marketing. that’s why i labeled your people “scammers”. pplic, you still don’t get it? or you’re feigning ignorance? that alone says a lot about how your company survived and prospered these past 48 years. it gives me and everyone else here the impression that you got “Superbrands” status because of this kind of trickery? i suggest you start hiring a PR company for damage control.
hi, i had the same experience. Last november 28, nagpadala ako sa isang offer sa mall na bumili ng isang pre-need plan, parang pension plan sya, 5 years to pay, maturity value ay makukuha after 18 years. disciplined savings daw. Legit naman yung company kasi under sya sa isa sa malalaking banks sa bansa. (sige na nga, Cocoplans yung company) Kaso hindi talaga din ako comfortable magpako ng pera na hindi ko basta basta mawiwithdraw. Tapos may penalty pa ata pag nagterminate, so may bawas sa deposit mo. Nang sabihin ko ito sa nanay ko pag-uwi, icancel ko na lang daw kasi masyadong risky ang mga pre-need companies at di pa ata covered ng insurance. Kaya ayun, ipapacancel ko na. Pero sabi dun sa confirmation sheet na pinirmahan ko, “The deposit I have just placed is non-refundable, unless I avail of the Plan Termination Value, if applicable” Does this mean I cannot get my deposit back? Na-charge na kasi sa credit card ko yung initial deposit eh. Kainis. >=( Hingi naman po ng advice kung ano po pwede kong gawin, or kung may habol pa ako sa company. Nung bumalik kasi ako dun the day after, sabi nila, after 2 years pa pwede icancel. Pero wala pa silang policy na maibibigay kasi after 3 weeks pa daw. Tulong naman po kung pano ko reresolbahan ito. Thanks
nayari din ang 20,000 ko dyan sa SM MEGAMALL 5 FLOOR …DANVIL …napilit talaga mantakin mo naman habang nag pre-present yong sexing babae, sabay pisil sa hita ko under the table…kulang na lang lamasin titi ko…tigas-na tigas na nga nong time na yon!
di na ako nag habol …mukha kasing mga GUTOM mga tawo dyan
until now d pa ako nagsusubmit ng cancellation letter stating the refund sa pplic..i sent an email pa kasi sa pubassist_ic kaso hanggang ngayon wala pa ring reply..umaasa pa kasi ako na lumaki pa yung marerefund ko..may pag asa pa po ba kaya na mapansin ng IC yung email ko? d ko pa tinry mag email sa XXX..nalulungkot talaga ako kapag naiisip ko yung perang nakaltas sakin..ang hirap magipon ngayon..lalo na’t maliit lang naman ang sinasahod ko.
yohooo!! sa wakas! na feature din sila sa XXX!
sa imbestigador naman! or sa bitag!! gandang pamasko nito!
kahit sabihin nila na marketing strategy nila ung mali, bali-baligtarin man ang mundo at lahat ng planeta sa ibat ibang galaxy, MALI TALAGA SILA, kaya wag na kayo lumusot na strategy nyo ang mali, kasi dun na mag start yan, chain reaction..!
This was also happenned to me last November 25. You may refer to my story her at:
Thanks god..nakuha ko na ung pera..tlgang nid lng mghintay at kulitin ang PPLIC..nabawi ko nmn ng buo..sa mga di pa nakakakuha wag mawalan ng pagasa..buti na lng nakansela ko kaagad kaya buo pa rin ang nakuha ko..tnxs to this blog it’s really help..
sa mga tao jan sa pplic, etong tatandaan nyo: BUHAY PA KAYO PERO SINUSUNOG NA KALULUWA NYO SA IMPIYERNO!!!!! TANG INA!!!
MAG ANTAY LANG KAYO MALAPIT NA DUMATING KARMA SA BUHAY NYO!!!
IRENE RESPICIO!!!! mga nagbabasa ng blog nato, MAG-INGAT KAYO SA TAONG YAN!!! YAN ANG LUMOKO SAKIN JAN SA SM NORTH NA OPIS NILA!!! ANU SABI NYAN, I-SWIPE NATIN UNG ATM MO PARA MALAMAN NATIN KUNG MAAPRUBAHAN NG BANK YUNG AUTO DEBIT DAW. ETO PANG SABI NYA: “MALAKI NAMAN ANG CHANCE NA DI MAAPRUBAHAN YAN KASI KARAMIHAN NG NA-SWIPE JAN E NAREREJECT” PERO ANU NANGYARI? PRESTO!!!! KINALTASAN AKO NG >10,000 PLUS!!! ETO LANG MASASABI KO SAYO, AT SA MGA KASAMA MONG NAKABIHIS TAO PERO TINATAGO ANG SUNGAY AT PANGIL AT BUNTOT NYO MGA GAGO!! :
ISANG ARAW TANDAAN NYO, MAKAKAHANAP DIN KAYO NG KATAPAT NYO. DI KO KAYO TINATAKOT HA, KASI ALAM KO NAMAN NA DI KAYO TINATABLAN NUN, SA MUKHA NYO PA LANG NA KASING KAPAL O MAKAPAL PA SA ADOBE!!! TALO NYO PA UNG MGA SNATCHER AT HOLDAPER SA GINAGAWA NYO!!! WALA KAYONG PINIPILI!! MABUTI PANG BINIGAY KO NA LANG SA HOLDAPER UNG PERA KO DAHIL AT LEAST DUN NAKATULONG PA AKO SA PAMILYA NG HOLDAPER NA BIKTIMA LANG DIN NG KAHIRAPAN SA BANSA NATIN, NA TULAD KO!!!
IKAW IRENE ANG KAPAL MO!!!!
Nabalitaan ko sa newspaper, meron daw isang tao na nabaril at ang hinala isa itong insurance agent.
Kakagulat nman!
ako din muntik nang maloko sa mga manlolokong taong yan, andito rin sila sa sm cebu,mga buwan ng october na encounter ko sila pero di ako nagpadala sa mga panloloko nila,pero naibigay ko sa kanila yong cp number ko, kadudaduda talaga yong mga ginagawa nila eh bakit credit card at atm ang magiging valid id? mero pa naman na mas valid na ids tulad ng mga sss, drvrs licens etc…grabe talaga ang galing nilang magsalita napakamasayahin ng mga staff at napaka friendly, akalain mo pinagpasa pasa pa yong credit card at atm ko sa mga kasamahan nila parang tinatandaan yong mga card number ba, ay naku di ko inalis yong mata ko sa credit card at atm ko baka kung ano na gagawin nila pag nalingat ako kaya binawi ko agad at yon may nakikipag-usap sa akin interbyu to the max talaga ang ginawa nila parang nahihilo na ako sa mg tanong nila hine pa rin ako nagpatalo sa kanila, ang tagal naming nag-usap pabalik balik na nga yong mga tanong nila sa akin at pabalik balik din sagot ko sa kanila, sabi nila 45 mins lang daw kami sa loob pero halos umabot na kami ng 2 oras hinde pa rin nila ako pinakawalan kaya nagpupumilit na akong umuwi sabi ko ipapaalam ko muna sa mister ko kung ok lang ba sa kanya na kukuha ako ng ganung insurance at kung ok sa mister ko babalik na lang ako kinabukasan at ang sabi pa nila hinde na daw pwede bumalik kasi 1 day promo lang daw nila yon wala na kinabukasan sabi ok lang kung wala na basta ipaalam ko lang sa mister ko kasi sa mister ko naman ang pera na gagamitin ko para pambayad dun, ayun parang nainis sila sa mga sinabi ko sinabihan pa nila ako na sunud sunuran lang ba ako sa mister hinde ba pwede na magdisisyon ako sa sarili ko lang, ay naku tinapos ko na lang sa smile yong mga tanong nila para makauwi na ako kasi nainis na din ako sa kakulitan nila.. after one month may tumawag sa akin isang ronald ronbinez daw xa galing sa bpi credit card sabi nya isa daw ako sa masuwerteng card holder na nabunot para mabigyan ng credit card assist ang ibig sabihin daw ay insurance daw sa credit card holder na pag may nangyari daw na aksidente may matatanggap na pera ang maiiwan ng credit card holder, kailangan lang daw na mgabayad ng 350 monthly, tanong ko kung hanggang kelan ako magbabayad ng 350 eh ang sagot pag ayaw ko na daw magbayad stop na daw ayun duda na ako na PPLIC ang tumawag, sabi nya recorded daw ang pag uusap namin kailangan ko lang sagutin ng yes or no, kunin lang daw nya yong mga basic information, unang tanong nya kung interesado ba ako sa ganun sabi ko sorry hinde ako interesado salamat nalang sa tawag mo…yon pakk!!!nanlumo din ang gago hmp!!!!kahit hirap akong magtagalog pinilit ko para magkaintidihan lang kami…
This scam is already in Laguna. They called me at home and told me that my dad who passed away 3 yrs ago has a life insurance certificate. That it was a long time pending in their Makati office waiting to be claimed hence, it was forwarded here at their Robinson, Sta. Rosa branch. Along with this, is a college educational plan for two years for whoever is our family’s designated beneficiary. There was no money involved daw and all I have to do is go their office and bring government issued ID. Along with our conversation, they also asked me if I have a credit or ATM card. When I told them I don’t have any (as I already smelled something fishy and remember an expose’ about this scam), the girl suddenly told me she will call again to give me the authorization number for me to claim the cert.
It is very disappointing and disrespectful that they will use the names of the dead in order to sell something! What kind of morals this company and the people who works for them have???
Many Filipinos are trying their very best to uplift the image of our country and yet, here are Filipinos like you who tarnish that reputation that give us good and decent Filipinos a bad name!
hay sa wakas! na cancel din! nakuha ko na rin ang refund, (2 card kc yung gamit namin) except sa problema sa 1 third party bank na nag ayos ng refund, sobra pa daw ng 1 peso ang binalik ng PPLIC, tapos pagdating sa CC namin, kulang naman, aun, na awardan tuloy kami ng more than 2k na finance charge, pero hindi ako papayag, kailngan maayos to, dahil sa 11 cents, nagkaron kami ng additional na babayaran na 2k+
GGrrr…
http://www.facebook.com/profile.php?id=100000091764047&sk=wall#!/album.php?aid=40139&id=100000091764047
PPLIC Employees (from SM SOUTHMALL)
Beware Guys!!!
These scammers have already reached in Cagayan de Oro City. First branch daw nila dito sa Mindanao. Naglalakad ako sa loob ng LIM KETKAI MALL, tapos may lumapit sa akin at tinanong ako kung may credit card ako. nung sinabi kong “OO”, nanalo daw ako ng gift item nila tapos may raffle entry na pwedeng akong manalo ng Honda car o kaya trip for 2 to Macau with 10,000 US dollars pocket money. Nung nag-ask ako kung bakit may ganitong raffle, advertising campaign daw nila yon. Strategy nila para makilala ang company nila. Dinala nila ako sa ofc nila for a 45mins presentation daw kuno. Kung tutuusin more than 45 minutes kaya yun. Ayaw pa nga nila akong paalisin. Eh gutom na ako kaya nag-exit na ako. Muntik na talaga ako doon.
“TO ALL OUR VALUED POLICYHOLDERS, PARTNERS AND THE GENERAL PUBLIC
In response to concerns about our Company being featured in ABS-CBN’s “XXX” TV program, the Management of Philippine Prudential Life Insurance Company, Inc. wishes to clarify that:
We were featured on this TV program due to a new client who changed her mind and wanted to cancel her policy with us. When she could not immediately get her refund, she panicked and sought the help of “XXX,” a public service program. Hence, we were featured in that show. Please note, however, that this had a happy ending, since the matter was already resolved to that person’s satisfaction.
While she was initially happy with her purchase, she was apparently unprepared for the cost considerations and the effect on her budget. Unfortunately, the cancellation process takes some time and involves the turn-around time of the client’s bank or credit card issuer. This person demanded an immediate refund, which could not be expedited right away as she had hoped for.
We wish to emphasize that the issue and concerns of this person have been addressed and resolved to her satisfaction. Her policy has already been cancelled.
We at Philippine Prudential Life Insurance Company, Inc., therefore, wish to assure you that:
Our Company has always been a reputable, stable and strong 100%-Filipino-owned life insurance company, duly-licensed by our government regulator, the Insurance Commission (IC). Thus, our Company and our products continue to have the blessing and support of the IC, which has rigid standards for the operation of any life insurance company.
As a valued Policyholder, you can be assured that our Company remains financially strong and capable of meeting its maturing obligations when they fall due or on demand. Your interests are protected because we have continuously practiced prudent and disciplined financial management and have maintained well-invested and managed funds that are readily available to meet policyholder needs. Today, our Business-In-Force is at over 51 Billion Pesos, with Total Assets at over 586 Million Pesos and Total Investments at over 340 Million Pesos. Premium Income this year has already surpassed 650 Million Pesos, while we have, to-date, paid out over 65 Million Pesos in Claims.
More importantly, our Legal Policy Reserves, the funds invested to be used in future claims, are at over 280 Milllion Pesos. We recently announced in major newspapers that we continue to post impressive growth in our business and financial strength. Thus, despite global and local business difficulties, we are financially stable and will continue to provide value-added products and services to Filipinos everywhere, while meeting all obligations to our over 1.5 Million Policyholders.
As we approach our 48th year of sterling, trustworthy and continuous service, we are totally committed to fulfill our vision and mission to help Filipinos everywhere live a more secured life, notwithstanding current events and issues.
Such issues are on a case-to-case basis and should not be seen as a reflection on our Company as a whole. While a few clients have cancelled their policies for their personal reasons, the great majority of them continue to have the utmost trust and confidence in Philippine Prudential Life Insurance Company, which continues to be a leader in innovation and growth in the life insurance industry.
We have been internationally recognized and awarded the prestigious Superbrands status for our standards of excellence and the quality of our products and services. And, as a responsible Corporate Citizen, we continue to be actively involved in numerous worthwhile advocacy programs.
Again, we reaffirm our commitment to continue to be of service and to fulfill all of our obligations.
Thank you.”
===> Victim din ako d2 at ngpost n ko ng story ko pati kung panu ko ncancel ung Policy ko.
===> actually hindi ko napanuod sa XXX ung episode na yon. Sayang! pero isearch ko un sa youtube. iXXX ba yan kung walang panlolokong nanyayari????? anu be! sinong tao ang hindi magpapanick pag pera na ang involve?
—> Ano na ba update sa PPLIC na yan? Kelangan mawala na sila, kung hindi man.. at pinagmamalaki pa nila na mg46 years n sila e baka naman pwedeng maging malinis ung pagconvince nio sa mga customers nio!
I posted this blog already para mabsa ng mga taga megamall yung para malaman na:
http://electricalengineeringforbeginners.blogspot.com/2010/12/is-philippine-prudential-life-insurance.html
Hi everyone,
I got swayed and unfortunately got a policy from this insurance company too:
http://jonhappiness.blogspot.com/2010/06/stay-away-from-philippine-prudential.html
The good thing is, I was able to get a refund. Don’t believe them that it’s not possible because really,YOU HAVE THE CHOICE! Being the client, you have the power to have your policy cancelled and get a refund. Don’t settle for downgrade whatsoever!
Here’s how:
http://jonhappiness.blogspot.com/2010/12/how-to-cancel-your-pplic-philippine.html
Hope that helps!
kakauwi ko lang galing sm southmall..
nung palabas na ako kanina ng southmall door3, may sumalubong sa akin na representative ang name ay Dina ata un, asked me if meron na akong cc kc sila ung mukhang mag ooffer ng cc..
sv q meron na, then she asked me kung ano.. sv ko BDO..
congratz daw kc winner daw ako ng free item..
syempre need ko pakita cc ko, ayun pinakita ko nga..
wala daw ako babayaran, wala ni piso..
so sabi ko ok, then kala ko dun na bibigay ung item..
di pa pala bibigay kc may raffle pa for a chance to win a honda car..
sabi ko anong catch? sv ng babae, wala.. name lang daw, picture at promotion ng company nila sakaling manalo..
nagmamadali ako pero convince nila ako na sandali lng..
meron lng daw 30-45minutes na presentation..
sinabihan ko na ung babae na kung ako bebentahan ng insurance di ko gusto kc wala ako hilig dun..
di daw.. grabe dami bola.. machikang machika ung babae..
then pagdating sa office, todo salestalk.. 16,800 madadale sa akin kung naniwala ako..
alam ko na sadyang matatamis at magaling sila magpromote pero sinabi ko na sa sarili ko na di ako bibigay..
ayun bad trip sila haha..
ok nmn ung paliwanag nila nung reserve fund at savings.. magaling pag salestalk nila..
pero ung pag mislead nila sa akin para lang mapunta sa table na un at ma salestalk eh sapat na para sa akin na maniwala na misleading company sila..
so bat ako magpapa charge ng pera haha..
asa pa sila
wahaha… ok yung public notice nila ah! yung nabiktima p ang masama…!well…. ganun talaga… KAILANGAN NILANG LINISIN ANG MGA DUMI NILA….
lahat nga ng nakakarefund pinatatahimik n nila….
Same story happened to me in my vacation in my province Iloilo last dec23 in SM city Iloilo. Someone named REYMART approached me and asked if I’m using credit card and when I said YES, he congratulates me for qualifying their promo. A promo for winning a HONDA car and a trip to MACAU for 2, all expense paid.
…And all ended up selling their insurance. I rejected them when the woman named GESSA (REYMART endorsed me in their office) said that the promo and offer will only be valid for TODAY and TODAY only and will be forfeited if I try on other time. Impulsive buying… HUH!
Anyways, they said you can gain the following raffle entries by presenting the following ID’s
1 raffle entry for every ATM card
2 raffle entries for every credit card
3 raffle entries for every checkbook.
Kelan pa pala naging valid IDs ang yan?
I left their office but they insisted me to fill up the two raffle stubs since I initially presented by Credit card, pero d ko na sila pinansin, sabi lagay nyo na lng name nyo sa stub na yan, baka manalo pa kau because Im not interested anymore! They gave a tumbler as a souvenir daw pro iniwan ko na din yun sa SM department store. Hahaha!
Worry ko na lng ngayon, baka kaltasan nila credit card ko since they all have the info regarding me. Dalawang beses din nila tinangnan ung card, baka na-memorize na nila yung number.
boo fcking whoo to all the people sobbing here.
That’s life, people are trying to get your money. These selling strategies have been around for a long long time, making something sound better than it actually is or telling you’d get a free-bee if you avail of a insurance is a very basic selling strategy. If you mindlessly give out your credit card and personal info then your just asking to be scammed.
WHY DID I WIN A CAR, WHY DO YOU NEED A CREDIT CARD INSTEAD OF A REGULAR ID, WHY WHY WHY.
My advise to the people here is protect your credit card and always ask WHY? Next time use your brain before you fork over your credit card and gather enough courage to say NO. Life is full of scammers unless you grow a backbone you’ll get screwed over many more times.
nakabakasyon ata cla ngaun, i mean ung mga taga pplic…. kaya sa ngaun cguro taemik muna tong blog nato….
hapi new year na lang sa lahat ng nasa pplic, lalo na kayong mga nasa mall…. sana masagana naging pasko nyo, at malake bonus nyo…. yung pera na galing sa aming mahihirap na niloko nyo!!!! mga ogag!!! sa dinami dami ng naaksidente ngaung magnenew year sana kayo na nauna!!!
Just 15 minutes ago I received a text message: FINAL N0TIFICATI0N:
Good day! This is Ms.Kyle Fernandez from PHILIPPINE PRUDENTIAL. Your 3 EXCLUSIVE REWARDS and PRIVILEGES For Free are still here in our office. You need to Claim and Activate TODAY because the management will finalize all the records of our recipients who don’t claim their rewards. For your claiming code wich you will need to present upon claiming; you may call exclusively in our Makati office frm: 9am-5pm Mon.-Sat for further info. Tel.(02)7551532 upon receipt of this message. Many Thanks and God Bless!
(DISREGARD IF CLAIMED)
Good thing I researched and saw this thread. I guess the scammers are now back at work.
it’s really a hapy new year for me. i just learned today that the amount pplic got from my credit card last november 2010 was already charged back last december 30, 2010. good thing i was able to cancel the policy within 15 days after getting it. to all others who are waiting for their refunds, dadating din yan and call pplic always to remind them of their obligation to u. happy new year to all! =)
Gaya nyo nadale rin ako ng scammers na yan, sa tagal ng di ko pag-uwi sa pinas nd ko akalain na napakarami ng manloloko sa atin akala ko mababait at madasalin pa rin ang mga tao dyan na pag may ngumiti ay ngitian mo rin un palang mga ngiti na un ay may pagnanasa sa buhay mo, gaya ninyo kinulit din ako ng husto ng mga yan mula 11am till 5pm di na ako nakapagtanghalian dahil sa kakulitan nila ayaw akong palabasin hanggang sa sunduin na ako ng pinsan ko na hinanap lang ako sa loob ng mall at dun ako natagpuan nga di nila ako tinigilan hanggat di ako nag-ook sa credit card ko hayun naswipe nga nila at nakuhanan nila ako ng 70.000.00 pesos, nagwala na ang pinsan ko nun cnabi na icancell un pero di cla pumayag , magpunta raw sa main office nila samantalang nanduon pa kami sa loob after that nagpunta sa security office ng SM mall na yan at sv nga nila maraming sumbong sa mga yan pero bakit inaallow ng SM yan mga ganyan nakakaawa naman ang mga taong naloloko nila until now nd ko na nakuha ang pera dahil kung ano ano ang mga dahilan nila hanggang sa makaalis na ako. Inisip ko na lang na ambag ko na lang sa pampalibing sa kanila yan magsamasama sila sa impyerno, me karma din kayo!!!!!!
well…well…well… puro pala isip na mga tao ngaun pera, mukha na tuloy kaung pera, ayaw nyo nun balang araw may pera kau, matigok man kau o hindi, hay. tska bakit nman kau magpapapilit kung ayaw nyo nman ng insurance. ano ba nman kau?
guess im late reading diz blog!..
Same story like u, maybe d difference is d amount that they have deducted from me.. Itz 216,000 for the first day i had encountered them at sm southmall.. hypnotized is i think the term why they had convinced me..16,100 monthly kakaltasin nila.. ang bigat! kya di ako mapakali sa nkuha ko na plan.. panghulog sana sa sasakyan yun pero pag-uwi ko nagulat sila sa house kz wala sila nakita na sasakyan pag-uwi ko, sabi ko napunta sa ibang investment..investment na pahirap pala.. i want to cancel my plan na sana, nahihirapan na ako..
pwde help niyo ako sa mga nakaranas maibalik pera nila, start ako naghulog august.. less 300k na nahulog q sa kanila and i want it already to be stopped/cancelled…
myk, tawag ka sa hotline nila 902-2300 para may makausap ka na customer service rep
i fell into the same trap as well @ SM Cebu sometime in September. i had them look at my corporate CC. and they looked at it many times pretending to verify if it is valid but probably they were writing down the card number and Security code. the plans they presented were good, the question is if they were valid. the sales agent even shared her brother recently died (how many times?) just to close a sale. but because i never wanted my personal expense getting mixed up with corporate, i said NO. they kept going on and presented other plans with lower premiums, until I grew sick and tired and just signed up for what they call as “Coolife” (sounds like COCOlife) which gives you dental and some doctor visit benefits, but never used it since for i don’t know if the doctors even know such “Coolife” exists. I paid it w/ my Debit, about 3k or 4k. And that’s the last I heard of them. I occasionally still see them around the mall, but don’t even come close to them anymore.
I’ve been monitoring the debit card i used. I don’t think they can ever take money out of it again unless they have the physical card, unless they duplicated it. So far, no questionable credits were taken out.
As for the corporate card, i doubt if they ever did get anything out of it and luckily our company decided to go with another bank so the card i showed them that time is now already invalid.
Naku isa rin ako sa naging biktima ng insurance company na ito..nacharge ako ng 24k sa credit card..actually wala akong plan na kumuha pero hindi ka nila papaalisin sa office nila hanggat hindi ka nila napapayag. umabot ng 3 oras ung pambobola nila sa akin.. so para makauwi na ko pumayag ako pero may plano akong bumalik para icancel..so pagbalik ko dun kinabukasan ngmatigas ako para ireverse ung nacharge sa credit card ko..ngtry ulit silang bolahin ako pero hindi na sila nagtagumpay pa. Buti na lng nabawi ko ung nacharge sa akin. Maling-mali talaga ang marketing strategy nila sana macancel na yung license nila.
search ”anti philippine prudential” to your facebook and press LIKE
Pls. check this address muntik n din akong maloko ng Philippine Prudential dw na to 4th Floor Equitable Tower Paseo De Roxas, Makati City (beside B.A. Lepanto bldg. Infront of Ayala Triangle Garden) just got lucky I searched first this forum. Dpat masugpo na tong mga manloloko na toh!
if anyone is from Cagayan de Oro, please feel free to email me at xxxxxxxxxxxx. you will know why. thanks
i have to remove your email address. you can’t ask people to email you and not tell them why. you’d be no different from those maggots who stole from everyone in this thread. sorry zulu, but we operate on transparency here, after everything that has happened to the folks who vent through this blog entry. least we can do is NOT to victimize them all over again.
was also a victim PPL just last October 2010…Nagpakatanga dn aKO…
…the same stories….
sbi nila, a minute of company presentation pero they were already selling their products and ive been there for hous already…
sabi nila, e-try lng dw…hahai.. pro 6K yung nkuha sa akin…
I reaLLy really hate them!!!ggggRRrrrr
ive sent already a letter to the head of PPL to discontinue the Endowment Policy ive confirmed within the 15-day free look period…and after few days i received a message saying na hintayin ko lang daw ang call from the sales office(CDO) pero…NEVER NEVER akong natwagan nila…
may pag-asa pa kayang mbalik yung Pera ko???please help….
@myk:
just follow my instructions.whatever happened, post your comments here. I’m sure this site could be a big help to you.
God Bless!
FINAL NOTIFICATON!
Good day, dis s Mr. Winston yap frm(PHILIPPINE PRUDENTIAL)makati branch, we wud like to inforn you that our 3 EXCLUSIVEREWARD and PRIVILEGES r still here atour office, we wud like to knowif ur still INTERESTED 2 claim ur rewards?pls. Call.(02)7551532 upon reciept of dis message look 4 Mr. Winston Yap. Many thanks and Godbless…
what is this crap again….
why is it that they are still in this kind of marketing strategies…
I just got my refund today…Just wanna know if I am really suppose to return to them also the OR (official receipt) when I paid the policy as they were suppose to take it back from me when I filed the cancellation but I didn’t have it with me and they said that I should be giving it to the them once the refund is made. Your reply is greatly appreciated. Thank you.
After 43 days, I just received my refund today . tnx GOD!
PHILIPPINE PRUDENTIAL LIFE INSURANCE COMPANY,PPLIC,PPLI — SCAM SCAM SCAM SCAM!!! Php67,000 for my 4 Children’s insurance! SM SOUTHMALL INSURANCE agents, AGENTS asking CREDIT CARD… SCAMMED 67,000
After receiving a text of a final notification hat I have 3 priviledges rewards that I have to claim from Phil.Prudential, before that I have received 2 texts for the same rewards. I just wonder how I had got their rewards… so i search the net for the Phil Prudential, and found out that similar cases were reported. It’s really a SCAM, I dont have to go to them fall on their bait… I replied to their txt that im not interested and hope they wont bother me again.
thanks on this blog…they have been charged back already the amount taken from my credit card after i go to their office and file my cancellation letter…it takes a month but its worth waiting for…but during the cancellation process on their office they were convincing me to low grade my policy because the reason i wrote on my letter was financial problem…kasungit pa nga nung manager…hahaha…but my mind was closed for the cancellation and i am not go their to clarify or anything…i go their for the cancellation and that is…pinapalitan pa nga ung letter ko kasi malilintikan daw cla kung un ang gagamitin…at kinopya ko lng daw sa blog…so what,,,dami ko kaya binago at dinagdag dun…nyahahaha…thanks tlaga ngayon nagamit ko na ulit credit card ko sa pag prchase ng mas mahalagang bagay at services.
ganun din sa ate ko, hindi parin na confirm yung cancelation namin pag nov. 2010 pa yun, hanggang ngayun 2011 na wala parin..
I just got my refund aready…Just wanna know if I am really suppose to return to them also the OR (official receipt) when I paid the policy as they were suppose to take it back from me when I filed the cancellation but I didn’t have it with me and they said that I should surrender it to the them once the refund is made. Your reply is greatly appreciated. Thank you.
Anybody is welcome to respond..
hi angel, i was a victim of this scam today. jan . 15. i paid them 9650 for deposits of the insurance plan. just wanna ask, yung exact amount ba ng binayad mo e nakuha mo? pls email me ur answer at my email. flexneri2006@yahoo.com. thank you. pls help me guys. thanks.
hello mcalejar2009:)
yes they refunded me the full amount I paid.
ANGEL
angel: all true copy documents given to you during purchased should be back to them also attouched to that is ur letter of cancellation and O.r but make sure all ur file pa photocpoy mo muna before ibibigay mo sa kanila…..
i sent a letter to insurance commission last december 2010, after a week january 03, 2011 insurance commission reply me and sent me a copy of their letter address to the president of PPLic and signed by commission insurance legal counsel…thank you
after a few days someone called me up from PPLIC and they told me my letter of cancellation approved from their office but then they told me the amount i paid to them P6833.49 during i purchased my insurance should not be the same, if they will refund me because of the vat..almost 2ooo plus should be deducted on my money…
tama po yang nasa XXX, naging telemarketer din nila ako for 2 days.may office din sila along ortigas ave, yung Gold building na halos tapat ng estrata 100 bulding. bibigyan ka ng list of numbers to call. tapos may spiel kang sasabihin, para goyohin yung tao, that they won a premium prize, etc etc etc. i resigned in that company coz of the their panloloko, and its purely commission base, and even there is no contract of employment. alam ko lahat ng mga style nila kasi may 3 day orientation and seminar kami about sa gagawin. basta ingat na lang. at sa mga manloloko may araw din mga yan.
hayy…knina lng kinausap ako one of those agent ng PPLIC..muntikan ko ng mdala sa mga sales talk nila..pinipilit nga nila akong mg bgay ng mga 21 thou mhigit kunin dw sa credit card ko,ang galing kc nila mgsalita eh..buti nlng i go with my instinct, hind ako ngpadala khit mukhang kapanipniwla ang mga sinsabi nila…sa su2nod na mkaencounter ako ng gnito n2man shit!!!!ayoko na….kalokohan lng mga gingawa nila…huwag kayong mgpapadala sa mga slita nila…
Hello again!
We haven’t received my refund yet and its due to HSBC credit card team and charge back staff.
First, they won’t release a cancellation letter if its only for a supplementary card;
Second, have authorization letters, emails, fax, phone calls, etc, (at least a dozen of each, yes lots and lots and lots of these) from the Primary card holder to be given at any time to HSBC agents when doing follow ups because frankly, I think, the agents DO NOT know anything that is faxed, email-ed to their Charge back staff and they have to do loooooooooooooooots of security/authorization check-ups. As of today, the agents (I’m mentioning you, Chito and Michelle) asked me again to produce another authorization from the Primary card holder.
Card dispute Form download at http://www.hsbc.com.ph/1/PA_1_2_S5/content/philippines/personal/forms-documents/pdf/odf.pdf
Third, fax all together the documents you need for the refund. PPL Statement of account with cancellation with refund tag , authorization letters, card dispute form.
Fourth, memorize all your personal information. That way everytime you are directed to another agent in this never-ending ‘HSBC transaction’ you’ll get quicker results, even if the result is ‘call back tomorrow or in three days’ or just plain ‘we’ll forward this to the charge back team’.
Fifth, DO NOT, I mean, DO NOT believe in their agents when they tell you a definite date or time frame for any transaction you do. I have been told numerous times that I will have the refund at that definite time and still no refund came up on the account.
Sixth, HSBC toll free numbers are 1800-1888-8555, 1800-1888-2828 (collection department). Any number will do. Be ready for the looooooooooooong process.
Sixth, HSBC fax numbers (02)755-4042 , (02)755-5050, (02)581-8190 and make sure to fax between 8am – 5pm. I tried to fax at 6 – 8pm, because the agent told me that their fax can receive at any time and yet it was all busy signal and/or ringing.
Seventh, remember the names of all the agents you have been in contact with. You will be surprised at how many agents you will have the pleasure of speaking to in just one phonecall. Really good to toll free line.
Eighth, the charge back team NO EXTERNAL LINE OR EMAIL OR FAX. We have to used middle men/agents when doing follow ups.
Ninth, make sure to let the HSBC agents know that you have fax them at that particular date and time. And be ready that your fax will be receive by the charge back team at about a week after you fax it.
And tenth, much thanks to Mr. Jeffrey Ponce of Philippine Prudential Life Insurance Company because he’s been wonderful with this transaction. He contacted us and re-assured us that the money for refund is ready for transfer, though he has not received any word from HSBC. In other words, its only HSBC that is doing the cha-cha.
PS. I apologize for this long-winded entry. Hope this will also help you in choosing and using your credit cards.
Correction on the fax numbers its (02)755-5042, instead of 4042.
KAT: thank you for the reply.. Yes, I already had everything photocopied and returned all those original docs except this OR that I refused to give to them the time I filed the cancellation as I wanted to be sure.. so they just told me to surrender it once the refund is made.
Thanks again.—–ANGEL
last year 2010 din nabiktima rin yung husband ko sa pplic dito sa sm cebu,sabi daw ng agent na may pa raffle din daw car ba yun, no need for registration,free daw maglaro (may naka display kze nun na car)..sad to say..na convinced nila ang husband ko nag bigay ng 56,000. pag uwi nya may bitbit na blue folder (pplic contract daw).so i reviewed their terms and conditions,may nka indicate pa nga na within 15 days grace period pa. Nung time na yun nasa manila na ung husband ko so plaging wala sa cebu..so ako ung nag pa follow up sa mga ganyang bagay..when i tried to visit pplic para mka hingi ng requirements in cancelling the plan para i-forward ko sa husband ko..sinabihan lang nila ako na dapt ung husband ko ang mag request/humingi ng requirements..ni hindi nga ako binigyan ng proper response..so i advised my husband to visit their main office in manila..pero ng pumunta sya sa office mga 10am sabi nung isang employee nila na hintayin na nlang daw ung manager nila na dumating until inabot ng 2pm ni hindi na nga nkapag lunch ung husband ko..pero sabi nila hindi pa raw dumarating (pro nag dududa na sya kze na ung manager na sinasabi nila ay nasa loob lang kze ni hindi nga maka sagot ng deretso).Syempre na pissed off na ung husband ko, ikaw ba ung pinaghihintay sa wala..
Nung nakauwi sya,sinamahan ko sya sa office nila dito sa cebu..inabot kami nag 3 hrs sa pakiki pag debate sa mga reps dun..(mas ako pa ung nagagalit kze malaki kaya na halaga ung nkuha nila..pinag hirapan kaya un ng asawa ko). But sabi nila i-downgrade lang daw ang pwede naming magawa (so my husband made a decision, na bale full paid ung whole year) pero nang maka uwi na kami sa bahay..hind pa rin sya mapa kali gusto pa rin nya kunin ung whole amount. Pero nasa barko na kasi sya kaya ako ung naghahanap ng way para mkuha namin ung pera.
ano bang dapat kung gawin..? nagpaplano na nga akong i-report sila sa media.
everything is ok. hofefully!
Hello po.
ngayon lang po ako nakarating sa site na eto.hindi ko po alam na victim na pala kami ng husband ko. may2009 kami nakakuha ng plan, please email me po how to cancel the plan? we were worried sick at the time nakapasok kami sa problemang ito. nakabayad pa nga ako until dec 2010. sayang ang perang pinaghirapan naming mag asawa.salamat po
Isa dn po ako nila nung January 22, 2011.. Nakuhanan ung card ko ng 9835.. so sad po n ganto pla ang modus nila.. s mga naloko dn po, tara po magsumbong s Imbestigador..
i need my money back..
y i can send
@ CHLOE: MAYBE I CAN HELP YOU TO YOUR CONCERN
IM ALSO A PLAN HOLDER OF PPLIC NOV.22, 2010, GOT MY INSURANCE AT PPLIC KEPPEL BUILDING, CEBU.YES ITS TRUE I RECEIVED SCHOLAR GOOD FOR 2 YEARS AT DATAMIX AND IT IS TRANSFERABLE, I ALSO RECEIVED 3 CONSECUTIVE CONSULTATION, AND A 1 YEAR COVERED VEHICULAR INSURANCE AND IT IS RENEWABLE AFTER A YEAR JUST PAY FOR THE RENEW WITH THE AMOUNT OF 50 PESOS.
THE FIRST THING I DO WHEN MY BROTHER TOLD ME HE IS A VICTIM OF THAT SCAM AND TOLD ME IT WAS REPORTED AT XXX FEW DAYS. I WAS SO SHOCKED. I CALLED UP ASAP MY AGENT NAME JENNY PABATAO AT KEPPEL CEBU AND TELL HER I WILL CANCEL MY INSURANCE AND SHE TOLD ME WHAT WOULD BE THE REASON WHY I SHOULD CANCEL IT AFTER ALL, THEN SHE TOLD ME IF I WILL CANCEL IT, I NEED TO CALL TO THEIR CUSTOMER SERVICE REPRSENTATIVE FOR MY CONCERN. SHE GAVE ME THE TEL NUMBER 032-412-6502.
to be continue tomorow , sorry i can send hina ng signal ko
nakuha ko na pera ko…. ako ung nagpost last dec…. buo naman naibalik sakin pera ko, after 1 month… salamat…. kanino? sa pplic? o cge salamat sa inyo ha, sa leksyon na naituro nyo sakin, pero hindi ang pagbalik ng pera ko kasi pera ko naman yun e! mga buset!!!
hello po, nagpunta na po ako s PPLIC nung Jan24 din kaso yung binigay po nila saking paper n proof of cancellation is yung SOA lng po..na hindi naman po pla inohonor ng BDO.. ask lang po, madali lang po b talga nilang ire2lease yung proof of cancellation kc i only have 30 days for dispute pero yung time around n period n bingy sakin ng PPLIC is 30-45 days.. ano po kaya ang dapat kong gawin? hay.. naiiyak na po ako..huhu..
@ms kat- ano po b ung mailing address ng Insurance Commission, pano po kau nkpgcoordiante s kanila? help naman po, eto po email ko, cieloesteron@yahoo.com. thanks po..
hi po ngayon nyagon lang tinext aq ng prudential to go to their place to claim rewards … buti n lang i check here first ..c god n bahala sa kanila.. goodluck hopefully my gawin si P-Noy to punish them.. dami nila naloloko
Hey guys….sa mga hindi pa nakukuha pera nila would you like to join me february 09, 2011 10 am s insurance commission..we will be having conference regarding my complaint sa insurance company nato>>ayoko kc pumayag na hindi ibalik ng buo pera ko..S ma interested punta kau joint forces tau pra mkuha natin pera natin..pLease!!!!!
@hicie
uhm, pwede po bng malamn ang status ng cancellation mo?kelan mo po pncancel?ngreport n rin ako s insurance commission e and sumulat n dn po ako..bka ipconference dn ako..
Sana sa mga gustong makuha pera natin kita kita tau sa insurance commssion this coming feb 09 at 10am s ofis ng insurance commission para saby sabay tau makapagsabi ng problema natin..par mas marami mas mabilis maaksyunan…
@ cielo december 13 nagpsa aq sa phil prudentila life hindi nila pinasin kaya pinsa ko sa insurance commision taz sumagot insurance commision na bibigyan nila ang pplc na aksyunan within 10 days tapos tumwag pplc sken may darating daw n sulat sken till now wla pa din kaya nung nagemail ang insurance commsion sken finorward ko sa pplc tapos aun nag email sila sken inscan na nila ung letter informing me na 5k lang nag marerefund ko sa 25k na naipon ko..pinrint ko un ddlhin ko s confernce..kc till now d p din acknoledge ng pplc ung cancellation na pinsa ko s branch nila at finorward ko sa president nila..
@ cielo anu email mu forward ko sau ung forwarded letter ng pplic at ng insurance commsion sken pra makita mu
@hicie- eto email ko, cieloesteron@yahoo.com.. cge check ko..mga february pa daw ako e.. thanks..
@hicie- kelan mo po nakuha yung insurance policy mo tas after ilang days mo bago npcancel?
@ cielo nov 2009 taon n nagun papacancel ko p[alang kc nga lagi nila siasnabi after a year pa daw kainis nga eh.wla p din approval cancellation ko ddlhin ko nga s conference eh
@hicie, naku ang tagal na pala..yung sakin e recently lang..sana nga e makuha mo ng buo..goodluck sa conference mo..hnd ako mkkasama kc sb ng tga incurance commission, by schedule dw un e..so htayin ko na lng muna siguro yung feedback nila.. pwede bang pahingi naman ako ng kopya ng binigay sayo ng PPLIC at IC? andun sa post ko sa taas ung email ko..salamat..
Hey, I tried to email you pertaining to this publish but aren?t ready to reach you. Please e-mail me when get a second. Thanks.
Hay, Modus pala yun. I don’t realized na victim na pala ako. I need to cancel my policy. Currently they are operating in SM Cebu with that same strategy.
khpon lng muntik n qng malinlang salmt kay lord at ngcng aq s kto2han hai..grabe cl torture tlag s pilit..sn mgsara n cla ng wl n clng mlokong mga tao p..d n cla naawa s mga tao prang others p cla kpwa pinoy nmn tinatalo pa..mkonsiyensa nmn ang mga nasa likod n2ng scam n 2..
mgbenta cla ng insurance s tamang paraan..
be fair..
A cielo sined no s email mu nagfailure…last saturday
hello, hicie.. i received a ltter from aura regis who is asking for your email kc same kau ng pinagda2anan.. matgal n xang policy holder.. pwede ko bng ibigay ang email mo s knya? thanks nga pla s sample letter, ang layo ng letter ko s ginawa mo, hindi pangformal yung sakin..hehehe..but currently, ngffollow up n aq s customer hotline ng pplic and hopefully my feedback n sakin next week.. wish u goodluck s meeting mo with them s feb9..
Hello, nabiktima ako kanina ng mga hinayupak na to! Kinakabahan ako kasi kanina Sabi nila kaylangan ko daw I-swipe yung ATM ko para daw check nila Kung qualified daw ba ang funds ko for their promo. Balance inquiry Lang daw although nakita ko naman na nka balance inquiry Lang talaga, natatakot Lang ako baka ma charge nila ako ng hndi ko alam. pero wala naman lumabas na resibo dun sa terminal nila. Ano kaya yun? Baka in the future eh ma hocus pocus na nila ang ATM account ko at bigla silang mag debit in the future.. Please help naman. Natatakot ako. Hindi ako makatulog sa kakaisip. Please help!
Hi arpee please help naman, sobrang na ppraning nko sa kakaisip Baka I-hocus pocus nila ang ATM ko at makaltasan ng Hindi ko alam. Pls pls help.
hey hicie,
ganun din problema ko,, til now di pa ako nagpapasa ng cancellation letter indicating the amount of my refund..di ko pa talaga tanggap na 3185 na lang makukuha ko sa 10200 n ibinawas sa cc ko.. august 21 ako nabiktima, pero sept 25 na ata ako nagsubmit ng cancellation,, kaya ang sabi ng tumawag sakin ung unused premium na lang daw ang makukuha ko kasi di na sya sakop ng 15 days freelook period. laging ipinagdudukdukan sakin na nasa kontrata daw yun..
hoping and wishing na maibalik sakin kahit 70% lang////
Ang mga kumag nang haharang ng mga Tao mismo sa Pagbaba at pag
Akyat ng escalator sa may sm mega mall. Hahaha. Vulture talaga. Haha
they are also located at SM North Edsa Annex. Muntik na ko mabiktima nito. Thank God at naghinala agad ako sa kanila. ayaw pa nila ako paalisin at sinenyasan pa nung isang guy na harangan ako at pigilan umalis.
Good am po! I was a victim of this insurance company. Policy holder din po ako since June 2010.. Nabawas po sa ATM card ko is 24,000 plus. Kaso di ko na po ulit nahulugan kc napilit lng po tlga ako dun. Against sa free will ko un pagkakakuha ko ng policy. Actually, after few days bumalik ako sa office nila sa megamall para i-cancel ko un policy but they refused.. Isa sa mga agent nila ang kumausap sken, kinumbinsi ako na wag ko na i-cancel.. to make the story short, di ko rin nacancel for some deceptive tactics na gnawa nung babaeng agent… from batangas pa po ako, and wala ring nangyari sa pagbalik ko dun.. So I decided to go home and gnawa ko na lang po is magresearch about their company.. Then nag-email n rin po ako sa ABS-CBN asking for any help para ma-investigate un case ko kaya lng nacover na pala nila sa XXX, di ko lng napanuod.. Til now po di pa rin ako nakakabalik sa office nila to claim my money, but i am planning this feb to withdraw my money from them.. Di ko lng po alam if may magandang result itong gagawin ko.. Wala na kasing natira sa tiwala ko sa kanila after seeing some blogs and forums tungkol sa kanila.. Pano po ba gagawin ko? Pls help me to claim my money.. Sobrang hirap po sa part ko kc ako lng un nagwowork sa pamilya nmin..Tapos kukuhanan pa ako ng ganun kalaking halaga ng isang scammer.. Di nga po alam ng family ko ito na ganito nangyayari. Sana po matulungan nyo ako sa tama at dapat kong gawin.. pls po..
bakit hanggan ngayon ginagawa pa din ng PPLIC yung ganitong strategy?Akala ko ba ung napagkasunduan nila ng Insurance Commission e kelangan baguhin nila ung strategy kasi malinaw na panloloko sa mga tao ung ginagawa nila?
Dapat ata tanungin un xxx sa update ng case na to kasi pinagpapatuloy pa rin nila e.
Hay, salamat naman at nagsearch ako about phil. prudential life insurance.. although hindi ko pa alam kung ano talaga mangyayari kung nagpunta ako sa office nila pero as what i have read, malamang biktima rin ako. Kaya maraming-maraming salamat sa mga nagpost ng mga nalalaman nila about PPLIC.
hi.update ko lang kau regarding s conference n nngyari nagset uli s march 2 kc d aq pumayag na 5k lang ang marecover s pera ko..nkakainis kc pinagpipilitan nung representative n my pirma aq..so sad kamo kc halata na malabo n makuha ang sagot sken ieelevate p uli kung pde taasan..one point for them is documented lahat at may pirma tau so valid kumbaga nabili daw ung insurance.smntlang during orientation db sb para k lang nag iipon..kanino kya mgnda ilapit to minsan iniisp ko magpkalat ng flyers black propagnda ba hehehe..nkakainis kc sila..im afraid i cannot get back the total amount of my money..cguro ganun tlga bumalik n lang s knila ginagawa nila..babagsak din sila..
s tingin nio guys mas mgnd punta tau sa main ofice nila saby saby tau??para matorete sila kc s insurance comision paisa isa ang conference wlang pwersa…sisindakin k ng representative…gusto ko mas marami tau ams mapwersa posible kya sten un n magkaisa ng isang araw n punta s mainofice??o kya s insurance comision pra mapansin nmn hinaing natin…
guys, i just read this blog after my father told me about the XXX episode. Marerefund ko pa ba ng buo ung pera ko kahit last nov 2010 pa ako ngjoin.
please give me tips, i will work with the cancellation immediately.
Hellow guys. Nascam din ako last tuesday lang. plano ko icancel na yung policy ko ngaung araw. hindi ko sure kung makacancel ko. Meron naman kasi naka state sa confirmation letter na pinirmahan natin na pwede ata irefund yung binayad mo sa loob ng 15 days. Ewan ko kung effective to. kaya yung mga bago palang nakapag avail ng policy nila na wala pang 15 days icancel nyo na agad yan.
yung asawa ko din nabiktima ng mga yan..
basta magtulungan tayo na mabalik yung mga pera ng mga nabiktima nila…
guys! patulong naman..saturday nagsend ako ng fax sa PPLI telling them that i will cancel my policy and will refund the money. yesterday, i got an email from mr pedraza telling me na hinde na dw marerefund ung pera ko kasi more than 15 days termination notice na dw.
paano po ba gagawin ko? nag email na din ako kay ms gennie pero hanngang ngaun wala pa siya reply. Huhuhu..hnde ko na po alam ang ggawen ko. can somebody tell me that best thing to do.
eto number ko 09183148821. email ad: ycelah_1813@yahoo.com
Please text nyo po ako.
salamat
Kakabili ko lng po ng policy last feb. 13, 2011. Sa totoo lng ngdadalawang isip ako hanggang kanina kung itutloy ko ba until mabasa ko ung mga blogs about pplic. pwede bang mgsubmit ng cancellation letter through email?wala po kc akong time n pumunta s office nila ska takot po n tulad ng ibang naging biktima na pinagtutulungan ng mga agents pra wag icancel ang policy.
thanks. sana po my mgreply asap para mkapgdecide n po ako.
huhuhu…naloko rin ako knina sm fairview annex..same rin sa lahat sa inyo..now di ako makatulog at super kumakabog dibdib ko.that’s why ngsearch talaga ako…11thou plus naswipe nila sa card ko..nagulat tlaga ako dahil sabi for promotion lang daw at 45minutes lang daw..pero 3hours ako nsa loob ng ofis nila..ngabsent na ako sa work, naloko pa ako! huhu..ano gagawin ko..
may nagtext sken but i don’t know the name. i think mas madali ung situation mo kasi kakaavail mo pa lang ng policy. ang pinopoint out kc sken ni sir pedraza e hnde na dw tlga marerefund yung money ko kasi i signed dun sa contract na nag sstate na ang cancelation is allow only with the 15 days.
meron ba dito na katulad ko ang situation.could somebody help me,sobrang nafufrustrate na ako. 19, 200 kasi ung nakuha sken at hanggang ngaun bnabayran ko pa sa card ko..lumulubog na ako sa interes. GUYS, help me namn po…thanks
and then, i also send a letter sa insurance commision pero wala pa din nagrerefly even ms gennie.
@ ELA naka 1 year k n ba?s policy mu??true yan they will insist na wla k marerefund pero better yet magpsa ka p din ng complaint sa insrunace commission wait mu kc per sched thats why im asking you guys if you want saby saby tau punta ng ppilc s mainoffice pra nmn kahit papanu mabulabog sila kc s insurance commision paisa isa lang ang conference they will still insist na wla ka marerefund its a very long process hanggng ikaw nag mgsasawa na maggive up..aq nga may 2nd conference this march 2 kc d aq pumayag na d irefund ng buo yung 25k ko.inoofer lang nila is 5k which i refuse to accept..but still ipinaglalaban ko pa din..sana lang macover uli sya ng media sinu ba may kakilala d2??sa media pra maifeedback uli ung mali nilang way about cancellation???
help nmn puh aq ngdown lng muna ng 3k mre2fund pa kea un wla pa aq nsi2gn na contract
I was a victim also,nandito naman sila sa SM city Cebu, ganoon pa rin yong style nila.. Beware to this scam….
hay nko.. muntik nrin ako d2 kgbi… grbe cla mamilit… hnyaan ko mg explain ung fnancial advisor… nung una ang bait bait nya skin… xmpre knukuha nya ung loob ko pra mg invest sa knila… nung una plng doubt nko kya ung nag fill up ako sa form n bngay skin ung iba minali ko ung info… den after nya mg explain skin bngyan nya ulit ako ng another form, tpos kinukuha nya n skin ung credit card and atm ko at itransact nya daw,,,hnd ako pmyag… sbi NO.. mg quit ako.. sbi nya y??? den sbi ko hnd ako familiar xa company nyo..and its my first time n mrinig at mg ttransact sa gnito… i need to ask my mother first.. sngot ba nmn ako na ur already 25 yrs. old… u can decide on your own… aba, tlgng namimilit db??? sbi ko naman,, bkit?? db my RIGHT nmn ako na TUMANGGI… den he keeps on explaining ng mga benefits,,, akala nya ppsilaw ako…nkita ko sa mukha nya pgka asar skin…who cares kung magalit xa? pera ko ang mwawala, pera ko na pinag hrapan ko.. kung skling uubusin ko ang pera ko sa pmlya ko na.. hnd sa mga manloloko… THANK GOD hnd ako nagpadala sa knya…after ko mbsa ung mga nka post d2, sobrang psasalamat ko na hnd nya ako nconvinced,,, LESSON: DON’T TALK TO STRANGERS AND DON’T TRUST ANYBODY NG AGAD AGAD… MGA MANLOLOKO….
help nmn guys anu mgndng istate qng reason pra mcancel q ung account q
So if anybody has a policy beyond 15 days (like mine na almost a year na in effectivity) and would like to cancel it, please let me know. I invested almost 500K last year, and I want to get it back! So, I will join in your massive complaint against the company. Why couldn’t we get our money back when they have actually earned and used our money from the time that we gave it to them? We should actually be charging them interest since they are portraying that our money is in so called time deposit. If I remember right, when you time deposit your money in the bank, it earns interest. And if in case you decide to take it out before the maturity date, a penalty of so much is placed on the account. But it is only very minimal, and the penalty is actually applied to the interest earned by your money and not the principal amount. Anyways… please keep me posted. I’m based in Manila – so if there will be a class complaint about the cancellation policy that the company has, please email me.. jsantos0420@gmail.com
hi!isa rn po aq s inu!nagsign po aq nung policy feb 2,,peo bgo p pinirmahan nung relations officer db tatanungin k if ur happy..sbi q nde,kc i really need to consult my mom first before entering such thing..antanga q nman napirmahan q n lhat..but then ndi pinirmahan nung officer kc nga ndi aq happy,she crossed out the policy contract in front of me, asked me to write a simple letter of cancellation which i did right away..she signed it and gave me a copy indicating VOID transaction…she also gave me a copy of the receipt and told me my money will be refunded 30-45 days..sna nga….i’m still waiting till now..hopin n sna mblik nga…tingin niu po ibabalik tlga un???wla po aqng documents n hawak liban dun s copy of cancellation letter and receipt..need some advise pls????
@eicih08-when did you plan to go to PPLIC? i already made a complaint letter sa insurance commision and sched to have a mediation conference sa march 9? u min that will be one on one lang? yap..1 year na ako pero hnde ako nkakapagstart pa maghulog ng premium kasi i am still paying my credit card for the initial downpayment that they got from me. keep in touch, i posted already my number. i am starting to give up na..:(
please update me about dun sa conference mo ha..thanks
hello po i am lorie from dvo nagpunta ako ng ketkai mall ng cgayan de oro city..may tga phil prudential life na nag approach sa akin, dinala ako sa ofis nila sa gateway hotel wid my co worker..at yung 45min orientation about company nila…ok naman xa…hiningi yung atm debit number ko na may laman na 23k kasi nagpamember ako agad dhil naiintindihan ko naman yung mga benefits at rules nila…pagkabigay ko ng atm may resibo naman at nakaltasan talaga ng 7k yung 23k ko na savings…at yun binigay yung mga papeles nila at nagpapatunay na member na ako..at pra masigurado pagkalabas ko nagchek ulit ako ng balance ko tru atm 7k ng tlaga nabawas…
di ko pa masasabi na scam xa…kasi di naman inubos yung pera ko at saka yung naiwan ko na pera transfer ko sa isa kng account…iniwanan ko ng 4k pra nxt month may makakaltas sa monthly savings ko nila…kung maubos yung dun nko maniniwala na scam na..but for now its not strategy lng tlga nila yung pra to avail their insurance…
from now on no regrets pa ako..grabeh lng statement nila parang nakakatakot…
Are they not changing yet even if they were investigated by
xxx?
I was also a victim last year in Cebu but was refunded
successfully.
for those not in the metro manila area, you can ask for assistance from the DTI. go to legal assistance and ask nicely on how they can help you with your problem with this insurance company. they will then set mediation schedule for you and PPLIC. IF settlement is not met and/or no appearance from PPLIC, that is the time DTI will endorse your complain to Insurance Commission.
Search about ‘Uberrimae Fidei”, this is the main priciple of an Insurance Contract. -Utmost good faith, pag may panloloko at panlilinlang, pinapawalang bisa ang kontrata.
Hope this helps
Potangena! Nangyariyari pa din to! Kakasabak ko lang dyan kanina. Dumating ako sa point na nasa office na nila ako pero they checked my card muna , though wala pa akong finill-up-an na form. Ang worry ko ngayon baka iretain nila Acc and PIN # ko at papuslit puslit bawasan savings ko. Leche. Pano na!
bakit ba ang liliit ng mga hinihingi sa inyo? less than 10k?… i talked to them yesterday and they want me to pay right then & there for P25k w/ a monthly pay of P1610 that would start on Sept 2011 and policy plan for only P175k… presentor is jennifer from CNU Cebu and agent named hannah….. it took me 2hrs to say NO and still forcing me to say YES… i was firmed with my NO and this jennifer gave me a frowned face….. hahaha
Bakit ginagawa pa rin nila yan. This time, telemarketing naman. Last year pa ako nakakareceive ng mga text messages that says : FINAL NOTIFICATION Good Day!! This is Mr. Winnie Catindig (iba-ibang name na ng agents ung nagpakilala. eto yung latest) from Philippine Prudential Life Insurance Corp. Your Exclusive Rewards and Privileges for free are still here in our office. You need to claim and activate TODAY, bacause our management will finalize all the records of our recipients. For claiming code, you may call us in our Makati office from 9am-5pm for further info tel #02-7551532 upon receipt of this message. etc… Dahil nakulitan na rin ako, I called the number of Mr. Winnie Catindig. I asked kung ano ba yung exclusive rewards na matatanggap ko. Sabi nya, A Life Insurance daw and College Plan. For free daw yun. May 2 years college scholarship grant daw ako, which is transferable naman daw.. Hmmm. being a mother, syempre, sounds interesting. I asked how will i get the rewards. i have to go to their office daw at Makati. Parang pino-force pa nya ako na lumuwas that day na agad. Sabi ko masyadong malayo. Then, ini-schedule nya ako for the following day. SAbi nya magdala daw ako ng I.D. He asked kung anong I.D. meron ako. sabi ko, student I.D. and postal. Pwede na daw yun. Kaso kelangan daw 3 I.D. Tinanong kung may bank I.D. daw ako., sabi ko ATM at CC. Sabi nya pwede na daw un. He asked the issuing bank of my CC. and my credit limit. Medyo nagtaka na ako. Sabi nya, for reference or verification purpose lang daw. i asked him ano naging basis nila ng pagpili ng winners nung rewards nila and bakit ako yung makakakuha nun. he said, may nagrefer daw. anniversary promo daw nila. Wag na daw ako magdala ng pera. wala daw akong babayaran. basta yung mga I.D. lang daw pati na rin ung CC. then he asked for my name. tapos, nag-end na yung call. saka ko lang narealize na kung nirefer ako, dapat alam nila name ko. pag uwi ko ng bahay, nagsearch ako sa internet. dun ko na nakita yung threads ng mga reklamo sa kanila. modus operandi pala nila un. the following day, tinetext pa ulet ako to get the rewards. hindi na ako nagpunta sa office nila. ang iniisip ko lang ngayon is i gave them some of my info.. my full name, my credit card bank issuer pero hindi naman ung number. baka lng kasi magamit nila yung info..
Mabuti na lang nabasa ko ang blog nyo. May tumawag din kasi sakin at sinabi na may makukuha akong gift certificates sa Philippine Prudential Life Insurance Company. Wala daw akong babayaran, may logo land daw ng company yung mga gift certificates para daw makilala yung company nila. Binigyan nya ako ng claiming code, yun daw ang ipapakita ko along with 3 valid IDs: Gov’t, Company, at yung credit card ko. Ako daw ang maghahawak ng credit card ko, kahit wag ko daw ipakita yung number, titingnan lang nila kung may logo ng MasterCard o Visa. Sinabi nila na pumunta ako sa address na to: Unit 2201 22nd floor Raffles Corporate Center Emerald Ave. Ortigas. Gusto nga nila na i-claim ko agad yung GC, nagdadahilan na lang ako na wala akong time pumunta, they keep on texting and calling for 2 weeks na kesyo na-process na daw sa releasing dept. yung GC at mamememohan sya pag di ko na-claim yun.
papano ba yan, isa rin ako sa naloko nila kc la naman talaga ako balak kumuha nung plan na yun, ang totoo nyan napadaan lang ako dun tapos ang sabi ipapakilala lang yung company tapos nga nung nasa loob na ako pinipilit na nila ako na i-avail yung plan na yun kahit nga ayaw ko, sa bandang huli nga napapayag din nila ako, papano ba dapat kong gawin kung papano ko ikakansel ang policy na yun at papano maibabalik sa credit card ko yung 6,650 na kinuha nila… pls help me, hindi nga alam ng asawa ko ang ginawa kong ito.
how sad naun ko lng nsaba blog na 2 manloloko pla sila last sunday lng i went to sm fairview den one person his name abie he’s like confident to introduce of some raffle about money and car den we go there opis i dont think cause some of the agent with in one of person talk too.
tapos pinakilala nila skn ang meron sa sknla den i say yes hahhaha anu ba un makukuha ko pa kya money ko sayang din un 14k
kinuha ko number ng isang agent 09277504536 totoo yan
grabe asar na asar ako jan sa PPl na yan! naloko din ako. pero buti Php365 lang nkuha nila sa CC ko. muntik nang iswipe ung card ko pero buti napigilan ko ksi naramdaman kong gusto nila akong isahan. 11,444 sna kukunin nila. tpos sbi ko uwi na ko ksi niloloko lng nila ako. pero ung babae dun na isa sbi idedemenda ako ksi may pinirmahan daw ako. kapal ng mukha! cla pa may balak mgdemanda. wala na kong nagawa ksi kht anong gwin ko ayaw tlaga akong payagang umalis. kya aun 365 lng binigay ko! ok lng sna ung pera eh. ang hindi ko matanggap eh ung pinagkatiwalaan ko sila tpos lolokohin pla ako. galing sa nakaw mga pinapakain nila sa mga pamilya nila!! magaling ang modus nila. iba ung ipapaliwanag nila na mangyayari sa totoong mangyayari. sna malugi na sila! i’m super bitter tlaga!
Ganito din ang nangyari sa sister ko. sa COCOLIFE cebu. nag submit siya ng letter of cancellation 2 days after kasama ng original documents. tapos an sabi ng manager na pinasa na raw sa manila yung kaso nya..tapos araw araw nag follow up yung sister ko sa manila. sinabihan cya pumunta sa office pero after 16 days na (delaying tactic para hindi umabot sa 15-day grace period ng insurance commission). pumunta cya sa office at ang sabi pwede e cancel dw yung plan pero nonrefundable. gusto ko lng malaman if pwede ba yung nonrefundable sa ganitong kaso. kasi dw pinirmahan nya yung contract. nagsimula ito ng mkatanggap ng tawag yung kapatid ko na nanalo daw cya ng educational plan kasi good credit card payer daw. tapos dalhin lang daw yung credit card as identification. pagdating nya doon pinapirma cya ng authorization letter para dw e check yung card pagbalik nung agent nka swipe na yung card to overlimit. sabi pa ng manager na hindi dw cla natatakot kahit saang korte mkarating. ang yabang. cla na nga yung nanloko cla pa ang may ganang magsabi ng ganoon. kasi daw pumirma daw yung kapatid ko. pero ang sa akin hindi in good faith kasi hindi naman yon ang pakay ng kapatid ko na kumuha ng insurance plan. pumunta cya sa office nila para mag claim ng reward tapos yun yung nangyari. please let me know kung anong gagawin namin para maibalik yung pera namin.
NA-scam din ako last MArch 19,2011 sa SM megamall Prudential Life… with in this week pupunta ko dun to cancel my policy.,.. anyon na pwd kasabay?… para walang palag! email me lorraine_medrano@yahoo.com di na pwd ganon barya ba ang ilang libo??? sosobra ba ang pera naten ng libo-libo??? ano tayo yumatae ng pera?…
email me po sa pwd ko kasabay na mag-pacancel and retrieve ng pera… sayang! hirap hirap mg-trabaho eh! email me lorraine_medrano@yahoo.com sa SM megamall Prudential ako na-scam last March 19.2011.
Guys, just like some of you, I’ve also been fooled by their people. I was walking on SM Fairview when a girl named Raquel approached me. She said that I won’t pay anything and also get a free gym bag. I gave it a try and they’ve brought me to their office downstairs in the Annex (in front of Time Zone). Raquel told me that she was really trying to meet her quota for the day and she thought that I’m heaven sent to her. Inside their office, she introduced me to a girl named Ghie Abalahin. We sat down in a table and she offered me either a glass of iced tea or water. I’ve chosen to drink the water since I’m really thirsty. She brought 2 glasses of water. I’ve immediately drank the cold water in the glass. As far as I can remember, she didn’t even touched her glass of water. I think there’s something in their drinks that can make you impulsive. That’s a real lesson for me. I should never ever trust strangers. She asked me to describe my plans for the future and think of something that I can give for myself 15 years from now. She’s referring to the endowment policy that she’s trying to sell me. I told her that I still need some time to think but, she said that it’s only for that day. I don’t know why I’ve decided for my future in just 2 hours and the last thing I know, they’ve swiped the amount of Php 17,000+ on my credit card. Ghie took the microphone and announced my name to all of the people there. Their employees clapped and sort of cheered me. When I went home, I’ve searched their name over the Internet and I was shocked that a lot of people have complaints over their company. I know wonder why Henry Sy would allow such a company to lurk around his SM Malls. The next day, I’ve canceled everything and asked for a refund. I’ve learned my lessons. Guys, please beware of Philippine Prudential Inc.!
gusto ko nrn mgpacancel ng policy kht hundreds lng nbawas skn. tumawag ksi ako sa customer service ng credit card ko. sbi skn pwede rw kaltasan ng kaltasan ung cc ko without my permission kc nkuha nila ung security id sa likod ng cc. hindi ko pwedeng ipacancel ung credit card kasi supplementary lng ako. lagot ako sa mom ko pg nalaman nia to. pls help. samahan nio ko sa southmall pra mas mmging matapang ako.. but i guess nbabasa din to ng mga tga-PPLI kya may idea sila kung anong binabalak ntn..
guys tulong tulong taung ireport to sa insurance commission o di kya ipa-XXX nlng ulit cla. maswerte tlga ako ksi konti lng nbawas skn pero malaking insulto ang ginawa nilng panloloko stn. bka patuloy nilang kaltasan ung credit card ko. di na ko mkatulog. pati sa SM mgrereport na ko.
Bat di pa rin napapatigil ang kalokohan nila? Last Mar22, andun pa rin sila sa SM City Iloilo at parang mas dumami pa yung staff nila. Kainis na sila, madame pa rin sila nabibiktima. Sarap pag-uuntugin ang mga loko!
Hi Guyz, galing nko sa Main Office ng Prudential kahapon sa Ortigas, ok nman po. Binasa lng po nila yung letter ko and pinareceive ko po sa kanila. =) ok nman po mga 15-20mins lng po ako dun and I asked for SOA noted na cancelled na po ang Policy ko.. Sobrang thankful po ako sa blog na to.. malake po tlga natulong sakn nito =) ,,, 30-45days po refund na nila yung pera ko,,, =) pwde niyo po ako email lorraine_medrano@yahoo.com if you have questions, =) willing po ako to help =) ….
hi lorraine! victim din ako nitong scam. i availed the plan last march 17 sa sm southmall and immediately the ff. day march 18 i went to their head office sa ortigas din to give my letter of cancellation. i was directed to go to the 5th floor PPLIC office and a guy customer service rep. talked to me and accepted my cancellation letter. he asked for my orig docs but i made sure to fotocpy all. then he signed my cancellation letter stating that he has my orig docs and that 30-45 days for the refund of money ( although it was not stated that it would be 100% refund) but he told me verbally that a 100% of my money will be refunded. My dilemma is that the guy didn’t give me an SOA noted that cancelled na ang plan ko. I only have the fotocpy of my cancellation letter na noted nya and received with 30-45 days processing. Do i have to go back to ask for the SOA? sino pla nag receive cancellation request mo? Another prob is i’m on vacation sa province nmin sa iloilo i’ll be back on manila by this march 31. thanks in advance.Godbless
Sino po dito ang via check ang refund? thanks! Sinamahan ko dito kanina tropa ko, check daw siya e
im one also the victim of PPLI last feb 22, 2011 how should i cancelled my policy. please help
hello po..please please..i need to have a copy of the letter for cancellation… please please.. please….
thank u for the admin of this blog! u really helped a lot. If not of this thread,nasa makati na ako tomorrow straight from cebu to be scammed!
thank u arpee! godbless u!
Are they really scammers? I’ve joined it too, and I tried to research about it on the internet, and I read so many sites, saying they’re scammers. But how do they become scammers? Because they were able to “manipulate” people into buying endowment policies, wherein actually people have the right to say no, anyway? I read that some got scared about reading blogs saying that they’re scammers and demanded a refund… and they got the refund anyway… so why are they scammers?
I’m hoping that people are just saying they’re scammers because of their marketing strategy, and not because the insurance company can’t deliver their promise.
I’m not even sure if maybe people are mistaking PPLIC with Prudential Life, which was the one under SEC and the one people should be waried about. Anyway, I checked the insurance commission website, and PPLIC was in the list: http://www.insurance.gov.ph/htm/_statistics.asp… so that’s good, right?
Also, so far, what I’ve seen saying they are scammers are all blogs, and subjective opinion of people. I tried looking it up sa newspapers (para medyo objective), and wala akong makita. So far, in the newspapers, it’s just stating that PPLIC is stable.
Am I a fool in having faith in this company? I do want to save, and thought about applying sa BPI Save-Up where they get 1k auto-debit from your other account, but earns only a a meager 1% interest. Then if ever na mag close iyong banko, I couldn’t get my money back 100% diba? Pero according to the agent, PPLIC offers 6% interest, pero same thing din, I have to “pay” (or “forcefully save” and discipline myself) para in 15 years time, I get more money! Am I too naive to believe in such a thing? When I believe in time deposits and Save-Ups in other banks?
@Not Sure:
Sure ka sa mga sinasabi mo????? i am sure taga PPLIC ka din..ganyan ang mga agents sa PPLIC makikibolahan sa mga biktima, icocompare sa mga banks..shut up ka nalang dyan
@Not Sure:
cguraduhin mo muna buhay mo bago ka mgcomment dito.
Ako rin po, may tumawag sa akin kanina sabi isa daw ako na makakatanggap ng free insurance until 65 daw ako, free education and a cash daw. totoo po kaya un…..? Pinapadala ako ng 3 ID”s…company ID,Savings ID At SSS ID daw…… ANu gagawin ko po?
Comment Pls….
@Emil
hwag ka punta dun,bola lang yan lahat emil
Just received a call this morning with the same scenario. Hnahanap nanay ko. Sabi ko patay n siya almost two years ago. Sabi sakin ganun po ba? Kaanu ano nya po b kau? Sabi ko anak ako. Then sabi e pwede daw itransfer sakin ung napanalunang insurance ng nanay ko. Parehas n parehas. Makakaclaim daw ako after 65yrs old. Magdala daw ako 3id’s and credit card or atm card. No cash involve daw. Pinipilit ako pumunta agad s office nila. Ipapaprocess n daw nya para pagpunta ko saglit n lng daw aantayin ko. But I was sceptic so sabi ko bka pwede tom 10am n lang. What I did is eto nagresearch muna about the company. Then this is what I’ve found. Scam n naman. Haaayyy. Bakit kaya ayaw lumaban ng patas. Hindi ung kailangan p manloko ng tao para lng kumita ng pera. Ingat lng po tau. Madami n tlga manloloko s mundo.
Hi. April 7 nung mangyari din sa akin lahat ng nabasa ko dito. Ngayon lang ako nakapag isip na naloko na ako at gusto ko na maibalik pera ko at wala ako trabaho ngayon. Try ko muna email Miss Ginny as nabasa ko na ginawa nung ilan sa mga sumulat sa yo. Tanong ko lang- Kailangan ko pa ba pumunta dun sa branch na pinagpirmahan ko ng policy which is SM Pampanga?
Salamat po sa lahat.
TO NOT SURE:
Tama ka, we have the right to say “NO” to them if we dont want to avail the policy … but the problem is they are so eager to get your credit card. They maybe not scammers but they do silly things to convince peolpe to get their policy. Marketing stategy is sooooooo STUPID!!!… They tell people that they will just check if the card will acceptthe transaction??? but they will automatically debit it in your account… Why do they have to say those lies?. . Hayz! Nakaka-awang mga agents… kala nila naloloko nila mga tao… NO!!! kaya pumayag mga tao kasi nakakirita na mga sinasbe nila,, paulit-ulit! Sobra , barya??? 20,000 is not barya!!! cmon…. and if I want to avail a life insurance I WILL NOT GET IT FROM THEM!,,, di ko pag-kakatiwala ang pera ko sa mga manloloko!!!,,, Bakit nila kailanagn sabihin na may mga promo at raffle sila???? kung life insurance pla pakay nila?…15years from now you can get your money… KUNG DI PA SILA SARADO!!! KUNG MADAME PA SILA NALOLOKO SA TIME NA YUN PARA YUN ANG PERANG IBIBIGAY NILA SAYO! e kung wla na???? e di BYE BYE 175K!!! =) madame naman jan life insurance company na mas mganda pa benfits and yung ie-expalin sayo ung policy mo ng maayos at di ka gagaguhin! =) sa unang araw mo plng ng avail ng policy niloko kna ,,, papayag ka pa ba sa 15yrs na lokohan?… hahaha!!! kaya kaw NOT SURE… make sure na!!!!!!!!!
Its me again. Just this 1pm I received a call from one of their customer reps in their head office, asking me about the service they gave me in SM Pampanga. I told her the truth that I already sent a letter to Ms.Ginny Sta. Maria to cancel my policy. She then told me to send the email to their company email address and that if they receive it will call me again about it.
Hopefully it will be resolved.
Salamat again.
Just received another phonecall this morning with PPLIC. Pinafollow up nila ung napanalunan ko daw n insurance. I told them na hindi nako interesado sa insurance nila kc nagresearch ako about their company tapos eto nga naresearch ko n puro complain s company nila. Nasigawan ko pa ung agent, Sabi ko “tumigil n kayong lintek na mga manloloko kayo”. Natakot ata ung agent biglang binaba ung phone.
Hi everyone,
Share ko lang…kagabi bigla kong naisip na bisitahin ang blog na ito after 1 year mula ng magpost ako for help dahil kumuha din ako ng plan from PPLIC last Feb 9, 2010.
Luckily I got my refund ng March 4, 2010 around 18K. Actually mas mabilis yung refund if you could cancel within 24hours kasi hindi pa siya magrereflect sa bank account mo. Just check with your bank yung turn around time nila for reversal of payments.
Sa ngayon, ay kumuha nako ng isang Investment plan sa Manulife after 2 months of decision making. Nag inquire talaga ako regarding the plan, the company, and the type of investments and kung kikita ba ako or hindi.
I guess, coming from the experience with PPLIC where in within 2 hours napapayag ako na kumuha ng insurance, without consulting other people (i.e. family). And just because I got attracted to play in a promo, hoping to get a chance na manalo ng CAR & Thousands of Pesos… natuto ako na hindi magtiwala sa mga taong nakakasalamuha ko. Mula noon hindi nako nakikipag usap sa mga taong nag-aabot ng kung anu-ano sa mall.
Eto pa yung sa PPLIC, talagang hahabulin ka nila…at sasabihing me ID sila…hindi sila manloloko at valid insurance company sila…. blah blah blah…
Para sa akin, kung gusto talaga ng PPLIC na kumita… wag ganun yung strategy… Aba walang kadala dala eh, I mean ako isang taon na yung nakakaraan at ganun pa din yung approach nila
Aren’t they aware of their image as a company. Kikita ka in a month 1Million worth of insurance. Tapos next month yun din yung laki ng iwiwithdraw sa kanila ng mga policyholders…Mahirap yan…lugi pa sila…
Kaya, sa akin lang po. mag-isip tayong mabuti bago pumasok sa isang deal lalo at me mga pipirmahan…kelangan ng pera at kung anu ano pa…
Mahirap na eh. Kahit sabihing marerefund. There are instances na antagal…pano kung kelangan mo na yung pera?
BOTTOMLINE: PPLIC magbago na kayo…Or baka next year iba na yung topic sa thread na to… HINDI niyo na mababayaran yang policy holders niyo kasi bangkarote na kayo sa utang!!!!
They were at Limketkai Mall, in Cagayn de Oro City yesterday. The same modus, they will promise you to give you giveaways and a chance to win in a raffle draw. They will interview you and ask for a receipt of your most recent atm transaction. Pag OFW ka atat na atat sila. They will escort you to their office for a 45-minute presentation prior to playing the raffle game. But the presentation will usually run for two hours and in the end they will FORCE you to deposit your money. If you tell them you will just come back the next day to have enough time to think it over, they will answer back that the promo slot is only good for that day….They got some vital information about me which i regretted so much, nevertheless they weren’t able to lure me from depositing my money to their company, much to the consternation of the lady consultant…I gave her a definite NO answer and immediately walked out of their office. I managed to get a bag and inflatable pillow from them but not the clock and two mugs they promised me. Im still concerned about the info I divulged to them coz they might use that in their sinister schemes in the future. I pray it will not happen…
Whhaaat… Buhay pa pala si Miss Ginny Sta. Maria?? I thought she’s dead something like car accident, last year pa. Hehe.. ano ba tlga.. Aizzt so sad to hear na untill now may mga naloloko pa rin sila… Goodluck sa inyo guyz. Sana maayos niyo agad yan. I know the feeling na naloko ‘coz i was once victimized by this company.. Fortunately, i got all my refund..
today someone from Phil Prudential called around 3pm knina lng, at ngsabi my father is one of the lucky 45 dat was parng picked by them n referred by someone kakilala namin or by our bank. we won dw insurance, free medical check-ups, educational insurance and a chance to win 50K pa-raffle dw. paulit ulit ako sa tanong kng no money involved, oo dw then no strings attached p dw. pero ng check ako sa net and eto nakita ko puro scam lng pla. tsk. salamat sa infos. wont go there tom. wag ganun Phil Prudential, lalo tayo mghhirap nyan.
basta lam ko di man loloko ang pplic…tlagang madaming maninirang tao…..
4 sure nkukuha nila ang mga rewards and privilages nila wid smile…lalo n sa bacoor banch!!!!we are 48 yrs na.
BOBO KA “ME”!!!!! Pubre ka no kaya KAPIT paTALIM ka sa Philippine Prudential Life, PPLC..
60K na sCAM samin ng Philippine Prudential LIFE BOBO KA “ME” mahiya ka sa PAMILYA mo, pinapaKAIN mo sa ANAK mo galing sa SCAM…
sa VIDEO, ganyan na ganyan ang STYLE… HIRAM CREDIT, VERIFY lang namin, ayun POTIK 60K na swipe… BOBO kayong lahat Philippine Prudential LIFE INSURANCE PPLC
I just received an sms about an hour ago. I’ve got exactly the same spiels na sinasabi ni Je-c Bellin. Well, I just told them that I’ll need to verify it in the internet and eto nga natagpuan ko. Buti na lang may mga blogs na ganito, thank you sa nag create ng blog, one click lang sa google okay na!!
Naloko din ako ng mga yan 2 weeks ago. It’s like a nightmare. Ganun din ang modus, may tumawag sa akin sabi nabunot raw name ko, tapos, one of the requirements to get the gift or reward ay credit card, at my office sila ha sa isang magandang gusali dito sa Cebu Business Park. Sa madaling sabi,na swipe nila yong card ko without informing me first… since maganda naman ang presentation nila.. sweet talks.. etc. parang napilitan ako. Na charge nila creditcard ko ng mahigit 28,0000. Ganda ng sinasabi, pero noong nabasa ko na ang policy ko.. parang di naman ganon pala kaganda. I don’t really need it. The next day, binalikan ko sila… ayaw nila ipacancel.. kesyo di na raw pwede kasi pumirma na raw ako.. I said.. I will get a lawyer.. tapos nag tapangtapangan pa nilang sinabi sa akin, my corporate lawyer din daw silang handa humarap. Sabi nila I can’t cancel it not after one year. Tumawag ako sa Insurance Commission… nagsubmit ako ng letter of complaint against the PPLIC.. together with the cancellation letter na pina received ko sa customer service nila sa office. Ilang beses ako nag excuse sa work to face them… una yong makapal na mukha na sales agent nila, then nakausap ko yong manager daw nila yon. Sabi, subject for approval raw ang cancellation ng policy ko.
Then.. pagkatapos ko na submit ang letter of complaint doon sa Insurance Commission, agad ako natawagan ng PPLIC Customer service na naipacancel na raw nila policy ko.. it would take 30 to 45 days raw bago ma reimburse ang pera ko. Pero.. kinulit ko rin ang credit card provider ko na bank about the cancellation.
I spent one sleepless night dahil sa galit ko sa ginawa nila sa akin. Feeling ko.. napakabobo ko na nautakan ng mga makakapal na sales agent na yon.. at noong binalikan ko na, nakapasinungaling pa. Galit na galit akong kinomfront ang sales agent na yon. Ayaw pa niya aminin ang ibang nasabi niya sa akin. May intention talaga silang manloko ng tao. Ang kapal ng mukha.
gud eve…thanks sa mga post message regarding sa scam,datamex scholarship,health insurance…naclaim ko ung insurance and scholarship from benlife insurance thank god di ako npa oo sa alok nila plan etc…and khit nakuha nila some information about sa credit card,wala pa ncharge na transaction today so khit wala pa transaction my credit was blocked successfully…
please…wag na mniniwala agad agad sa cnsbi nila para di kau maloko
nang uuto pa rin pala ang PPLIC.. oh well. sa mga naloko ng PPLIC. fineature na yan sa XXX ng ABS CBN kasi nga may nabiktima sila. may nag panggap na tao na kunwari mag papa uto sa mga agents ng PPLIC. ayun huli sila sa pang uuto nila pinakita sa TV. tapos kinausap na lang ata yung head OR president ng PPLIC na babantayan sila. pag naulit pa yun suspended silang company. eh nauulit pa ata eh
@me bihasa ka sigurong mag sinungaling no? Siguro may training kayo para dun. May training din kayo sa pag sisinungaling at para maging manhid sa mga taong nadidismaya at na swipe-an ng card. buksan mo mata mo. sinungaling kasi mga agents ng PPLIC.
Hi everyone buti na lang i saw this site kasi i was about to go to PPLIC on saturday to claim my FINAL NOTIFICATION daw 3rewards na daw ung di ko na claclaim which are insurance plan (FREE), Educational Plan from datamex (FREE TUITON) and i have a chance to win 50k from a raffle draw which is 30 lang daw kami kaya malaki ung chance manalo. Buti na lang i saw this talaga they will text me daw again because i was not avaible during weekdays so i requested na pwede bang weekend hays pag natext sila i will not come. Thanks and be safe!
grabe nalula ako sa dami ng reply dito. Policy holder ako ng PPLIC since 2009 natakot ako bigla ng makita na scam sila.
muntik nakong atakihin akala ko sila din ang magiging dahilan para gamitin ko ang kinuha kong insurance sa kanila hahaha
since im here in abroad pinapunta ko cousin ko sa office to clarify this issue ok naman at napaliwanagan na din ako ng maayos.
sa pagkakaintindi ko naman yung marketing strategy pala nila ang may problema at hindi scam ang mismong company tama po ba?
Anyway, i think this is the neutral post. delikado ng magpost at baka makasuhan ng Online defamation law. i think meron din jan sa pinas.
thanks arpee for this post.
Hi there! Kakareceived ko lang din ng text message ng mga manlolokong yan. kaya nag surf agad ako dito sa net…. Regarding sa Insurance datamex scholarship, at raffle coupon daw. tinanong agad ako if may mga cards ako na ginagamit. like credit cards…. etc.., sabi ko wala… hehehe! tapos, sinabi na lng nila na hintayin ko ang claiming number na isesend nila trhu text, before ako magpunta sa office nila. na assessed ko na kaya pala sinabi nila na wait ko muna ang claiming number before pumunta sa impyernong office nila kasi nga sinabi ko na wala akong kahit isang credit card…. hehe! After 15 mins after ko mag surf dito at nabasa ko mga post messages nyo, tinawagan ko ulit sila at sinabi ko na kaya nila yung assesment ko. nainis yung bruha…. hehe.
Guys/girls, gayahin natin si Bob (1666), nagpunta dun at na claim yung datamex scholar voucher at insurance certificate pero di sya nagpauto na pumirma o ipagamit ang card.
guys, help nmn..im a victim too this last sunday May 8 though hnd gano kalakihan nakuha sakin..im just worried about my credit card and atm-payroll..baka gamitin nila yun online or baka 1 day limas na salary ko sa atm since i filled up their “CONFIDENTIALITY FORM”. Halos laht ng info.ko nandun. It was my first time to use my credit card that day and im not aware sa mga ganung scam.In exchange nun Php 730.00 2PCS. of MERCI (Medical Expense Reimbursemnt Coverage insurance)ang ibinigay sakin ni Ms. Salve-PPLIC AGENT.Buti nalang nakabili na’ko ng Netbook bago nila ako naharang at alukin ng Promo ng Honda City and Trip for 2 sa Macao,kung hindi laht siguro ng credit limit ko natangay nila at buti nlng wala pang sahod that day kaya ung credit card ang napagdiskitahan nila. naiinis ako sa sarili ko kung bakit hinayaan ko silang lokohin ako.Guys, pls advise nmn.
Salamat!
sa Sm north ko nakadaupang-palad itong mga MANLOLOKO na ito..grabe sila, galing magsalita para nag undergo sa training…
Hi, naloko din ako nito last week, nagbakasyon lang ako tapos bumalik na ulit ako dito sa canada kahapon. Kahapon ko lang sinearch ang tungkol sa Prudential Life. Di ako mapakali I want to cancel my policy. Pano ko sya maka-cancel kung wala ako sa pilipinas? Wala ba silang number na pwedeng tawagan na di ako macha-charge ng long distance. Please help me
PHILIPPINE PRUDENTIAL LIFE INC SCAMMER
Please read my story, hindi na paninira, sila UNANG NANIRA!!!
60,000 PESOS na SWIPE samin!!!!!! sabi nila CHECK lang nila kung VALIDATED pero yung pala naSWIPE na… mga Tarantado!
You are aware that Philippine Prudential Life Insurance Co. and Prudential Life Plans (commonly called PruLife) are two different companies, right? And PruLife has stopped selling insurance and only exists to service current policyholders… PPLIC doesn’t sell pre-need insurance to my knowledge.
Disclosure: I work for a company that does business with PPLIC, which is why I know this.
Tips for Handling Your Brand Being Confused with Another « Business Growth « business-growth-strategies.info - May 23, 2011
[...] Prudential Life Insurance, PPLIC,  and Prudential Life to refer to Prudential Life Plans. One blog post in particular was titled Philippine Prudential Life Scammers!!!. The post features video talking about [...]
Tips for Handling Your Brand Being Confused with Another | How to Buy Insurance - May 23, 2011
[...] Prudential Life Insurance, PPLIC,  and Prudential Life to impute to Prudential Life Plans. One blog post in particular was titled Philippine Prudential Life Scammers!!!. The post facilities video articulate about [...]
They gave me this number (902-23-00). I’m just wondering, is there a number I can call where I won’t be charged for long distance?
Hi all. I was stupid enough to be fooled by them and much stupid since it took me some time before I decide to cancel. I really can’t remember kung 2010 or 2009 ako sumama diyan pero as of the moment, I wanna cancel yung contract na. Thing is, may napasok na akong pera sa knila. My card also deducted some amount na rin. The reason why na-stop is because maxed out na card ko and wala sila makuha.
What do I have to do? Medyo kabado rin ako kasi feeling ko masasabon ako ng bongga ng nanay ko nito. Is there a way para marefund yung binayad ko before? Please do help =(
Pano pag wala na sa Pilipinas? Pero bago naman matapos yung 15 day free look nakapagsubmit ako ng cancellation letter with signature ko. Sabi nila natanggap na daw nila and asked me to just wait for an email of a phone call. Nung 17 pa nila natanggap yung letter ko until now wala pa silang response. So nagmsg ako the other day kung gano katagal ako maghihintay to hear from them, di pa rin sila nagrereply up to now.
Hay, I really need that money. Natanggal sa trabaho si tatay, at yung nanay is not fit to work right now, so I really need to give them extra money monthly.
tagal ng refund,,, paano kaya kung insurance na and sisingilin.. BEWARE OF PPLIC they are at SM CITY Cebu, 3rd Level.. magrecruit sila sa ground floor, mga manloloko.
Ngyare smen toh knina!! Inabot ng 3 hours usapan mganda sana concept nung cnsabi nilang ipon na parang magkakaron kayo ng isang account ng lhat ng members ng PPL, kaso nung sinabi kong kong pagaaralan ko muna yung cnsabi nilang GOV. SEC na dun daw mppunta pera at magreresearch ako kung gaano ka reliable yung company bigla sabi sken 1 time lng daw yun hndi na daw ako pwde mag apply pag hndi daw ngyn! marerefund naman daw pera pag di ko gs2 within 15 days! Sinabihan ko yung agent na bket ganun kung confident kayo na mganda company nyo anong reason nyo bat hndi ako pwdeng magapply kinabukasan dun na ako nagtaka… kung ano ano na sinasabi nya palusot… Sinabi ko sa kanya kung tiwala kayo sa company nyo dpat bigyan nyo ko time para magicp parang wla akong choice ng gngwa nyo… Tpos yun tumigil na din cya hahahhaha pinaalis na din ako binigyana ko ng BAG hahahaha… INgat kayo…. legitimate na company cla tingin ko kaso yun ang strategy nila para mkakuha kagad ng client… mamadaliin ka nila!!
an hour ago, may tumawag sa aking named anna rodriguez of phil prudential life raw xa, she said i won a certificate na maraming benefits for free, i ask her on how to claim the certificate, she told me to bring 3 valid id’s, i told her i only have 2 valid id’s…then she said that would be ok then she ask me kung meron ba akong any bank account, i told her that i do have bank account from BDO pero i lied to her coz my bank account is from BPI…then she ask me if i do have any credit cards i answered “no, i dont have”……..nase-sense ko na kasi na its a SCAM, kasi 1st thing 1st i never join any raffle…..just one thing too, its kind a pretty smart sila kasi how do they get my # & my complete name,she even text me 1st before she called…..puntahan ko kaya office nila magdala ako na police?? hahahahah…….mga manloloko nga naman oh oh…..hahayyyyyyyyyyyy….
This afternoon lang tinawagan ako and napili daw ako na bigyan ng GC (Gift Certificate), Medical achuchu, and chance to win if I have a visa or mastercard na logo daw to present. Nagulat ako kasi how would they give something na hindi ko naman sinalihan?? pinapupunta ako sa ortigas office just to claim yung rewards and 13mins lang daw yun para ma-claim. Good payer daw ako kaya bibigyan ako ng reward at by referral yun ng banks daw?? buti na lang at nagresearch ako at nabasa ang blog na ito dahil tanong ko nga sa kanila if They WANT (Banks) to REWARD me why thru your company? yun ang iniisip ko and why do I need to go sa office nila kung sa akin naman talaga yun kaya naisip ko may purpose sila sa akin for sure. and this is it pala yun.. hayyy why not say the TRUTH no behind the curtains dapat ang alok nila.
I still got a call from this people just now. kala ko ba revoked na?
same lang ba ang Prudentialife sa Philippine Prudential?
di ba magkaiba sila?
hi isa din ako sa naloko na PPlIC naloko ako kasama ko yung kapatid ko sa mall may lalake lumapit sakin si Al. tinanong nya ko kung may credit card or atm ako. palibasa di nman ako pinalaking bastos ng magulang ko pinakita ko yung atm tapos sabe nya mag lalaro ako sa office nila.pinakita nya pa sa akin yung picture ng anak nya. pagdating sa office pinaghintay kame ng kapatid ko tapos tinanong ko kung ilang minutes yun sabe nya 45 minutes habang nag uusap na kame tumatakbo na ang 45 minutes papasok lang daw ako sa loob para magkwento ang bout sa kompanya nila at iendorse ko yung company nila….tapos may tumawag na sa akin na lalaking kalbo na pandak pa. u.p diliman daw sya graduate…napaka accomodating nila sa akin at sa mga bibiktimahin pa nila. nagpapacharming pa yung lalaking kalbo na ang panget naman andame nya ng echeburecheng pinag kwekwento pati ang bestfriend ko na nag aaral sa up parang kilala nya daw maputi daw ba at chinita? kagaguhan talaga tapos sabe ko hindi payat lang siya na maliit. pati lovelife ko pinapakealaman ng gago. hanggang sa aun na n napunta na sa mam try lang natin yung card nyo pag di inallowed ng bangko then we can do nothing bout it bago yun pinaexplain ko muna kung anu yung endownment plan kasi wla nman akong alam sa mga gnun plus gutom na gutom na ko hinatak nila kame di pa kame nag lulunch ng kapatid ko tpos nakakaboard sya magsalita para syang pastor na demonyo. di ko na nga sya sinasagot ng maayos tpos ang tecnique pa nila mlakas yung sound nila para madistract ka. hanggang sa aun na swipe na ng atm 3 beses ako tumanggi pero pinipilit nila na saken din nman yun mapupunta mga ulol baka sa inyo…
nag alala na ko sa kaptid ko tsaka sa akin kasi alam ko na na di nila ako titigilan hanggang di ako umoo na bank narin yung utak ko nun hanggang sa ayun na swipe na si atm oo nga tanga na kung tanga pero ang sisinungaling yung si kuya al kuno palang sinungaling na tpos sbe pa nya papasok din mamaya kapatid ko baka nga magkatabe pa kme ng table. sinungaling talaga…hanngang tmgal ng 3 hours sa loob may video confirmation pa wala na na blank na yung utak ko plus worried pa ko sa kapatid ko kasi 15 years old pa yun and di pa kame kumakain pareho..pag labas ko ng office nila nanlumo ako nakuhanan ako ng 24,357 kinabukasan tumawag ako
para ipa cancel bakla ang kumausap sakin yung bakla siguro na nakausap ko dun sbe nya pumunta nalang kame dun…kahapon lang saturday june 4 nagpunta kame ng nanay nanayan ko dun. aba ang mga gago hindi na ganun ka accomodating….di sila makapalag kay nanay eh binara bara nya hahaha wala pa kayang nanalo dun kay nanay lalo na alam nya nasa katwiran sya sbe nya kung ganun nyo kabilis swinipe gnun…d makapalag si kalbo titingin pa. balak ko nga sana mag eeskandalo ako dun kaso wlang masyadong tao eh tsaka nakakahiya kay nanay…naku subukan lang nila wag ibalik yung pera ko kumausap na ko ng abogado marame kameng kilalang taga media…kaya kung may gustong humingi tulong sken na naloko din ng pplic sbhin nyo lng sken
fyi lang pla dun sa agent na nag interview sakin marame akong kilala na nag aaral sa up diliman at isa pa kung graduate ka ng up diliman bat ganyan ang trabaho mo? ikaw baklang nag interview samen di ka makapalag ano? kung ano ano pang sinasabe mo tungkol saken na 22 na ko ulol palibasa gusto m idefend yung company nyo….halata pa nanginginig ka…mga ulol kayo ganyan ba binubuhay nyo sa pamilya ninyo magaling lang kayo sa umpisa nung may nagreklamo na kayo di na kayo nakapalag…..you can all go to hell……………thank you nga pala sa bag at sa thumbler
sensya na po kung may mga mali akong natype nanggagaaiti pa kasi ako sa glit yung bored ko po board tga ko magsulat kasi sa txt….la laaaaanggggggggggg lol………
xenxa na po kayo sa mga nashare ko sobra lang talaga na nanlumo ako sa pera di m naman nasasabe na ganyan nagpakatanga kasi hindi sila nagbigay ng chances tao at parang nang haharassed sila ng yung advice ko nalang po sa inyo kung may nabiktima pa kung maari within the day or the next day i pa cancel nyo na po yung plan nyo gumawa po kayo ng cancellation letter kung di nyo po alam search po kayo sa google tpos present nyo agad sa branch na pplic na pnthan nyo tpos wag na kayo papayag na makapag salita pa sila direchuhin nyo nalang kung marerefund ba yung pera nyo kasi marami pa silang strategies na ssbhin para lang di nyo marefund yung pera.wag po kayo mag papasindak sa kanila at kung pwede magdala kayo ng kasama mas marame mas maganda.kasi kakayankayanin lang nila kayo kasi nakuha na nila yung gusto nila sa inyo and wag po kayo papayag na 30 to 45 days 2 weeks po marameng na release ng 2 weeks yung pera po sa bangko kaya nila pinapatgal yun kasi tumutubo po yun so ginagamit nila yung pera.
ako po masasabe ko waiting pa ko sa pera ko sa kanila pero we plan to do legal actions kapag di nila nairelease ng 2 weeks kung may kakilala rin kayo na lawyer police or nag wowork sa radio lumapit po kayo swerte ko nalang po kasi may family friend kame na lawyer and nag aaral ng law yung bestfriend ko kaya marame ako pwede lapitan. yung nanay nanayan ko naman po may kaibigan sa radio kasi nung sa gsis dati dun sila nagreklamo aksyon agad yung iba naman na naloko na sana ipaalam nyo sa iba yng sisema nila para wala ng maloko and the next time po na may humarang uli sa inyo na mga ganyan ignore them as much as possible kung sobrang annoying talaga sila tell them na ipapapulis nyo sila para tumigil. minsan po talaga may mga sitwasyon na kahit napakatalino nating tao di tayo nakakapag desisyon ng tama instead na manisi gumawa nalang tayo ng paraan para maayos yung problema at dun naman po sa iba wag po kayo magsalita na bakit nagpaloko or what tulungan nalang po tayo
ganyan din style sa CLUB ULTIMA.
I received a text na may free Gift Certificate kami for 3D/2N stay in CROWN REGENCY HOTEL lalo na dun sa cebu. and since we are really planning to go for a vacation later this year, pinilit ko hubby na samahan ako dahil sayang din ang GC.
Naniwala naman ako dahil kesyo wag daw magdala ng ATM, CC, or Cash.
Pagpasok pa lang dun sa METROPOLE BLDG nila sa makati, may fifill-upan kaagad na form. “survey lang daw”. den they will ask for your valid ID’s. Guys, never never give your credit card/s as your ID’s. Medyo na bad trip ako umpisa pa lang dahil matagal bago nila ibalik ang mga ID’s. Tapos pinapirma kami to listen to d 90 mins presentation daw.
Tapos may kakausap na sales rep na feeling close.. kamukha rin ng istilo ng mga taga PPLIC.. todo smile.. shake hands dito, shake hands doon..
We went upstairs, sa 2/F nila. May mga round tables good for 4-5 people. May mukang buffet table na ang handa ay (1)pansit, (2)puto, (3)pork barbecue, at (4)iced tea.
Nag introduce muna ang sales rep about their company. Na kesyo may mga hotels na sila around the Philippines, at may tinatayo na sa Boracay, at affiliated daw sila sa different hotels around d globe.
During that time, alam namin ng hubby ko na something crappy is happening. For one, may kasabay kaming isang babae in her mid 40′s, na nakikinig din sa isang sales rep. Ang pwesto nila ay katabi ng table namin so naririnig din namin ang presentation ng kabilang sales rep. May mga objections yung babae na nasasagot kaagad ng sales rep. Binulungan ako ng hubby ko na, “Mukhang kasamahan rin nila ito na nagpapanggap lang na bisita katulad namin.” My hubby is really very good in reading people.
Pero dahil ayaw namin mag mukhang bastos, we decided to contiune listening with the presentation.
Yung 90 mins, naging 3 1/2 hours! Daming paligoy-paligoy. My hubby kept on asking kung ano ba ang bottom line ng presentation. Club shares daw sa different hotels, not only in the Philippines, but worldwide daw. “Magkano?” “Sasabihn ko po mamaya, sir.” Then patuloy sya sa kanyang presentation. Ang tagaaaal ng presentation nya.
So sabi ng hubby ko, lets get down with the figures. Maintenance fee muna ang ibinigay nung sales rep na halatang nahihirapan sa hubby ko. Literally, nakikita namin ang pawis sa noo nya kahit naka-aircon kami at nanginginig ang mga kamay. My hubby is a sales manager at the same time a CPA kaya hindi talaga nakakalusot ang mga pambobola nung sales rep.
Frankly speaking, nagagalit na ang hubby ko dahil sa paligoy-ligoy na presentation and it was really a waste of time. Nasasayangan lang talaga ako sa GC kaya ko sya pinilit na mag stay. Nandun na rin lang kami, tapusin na namin sabi ko sa kanya.
If we may cut the long story short, pinilit na ng hubby ko dun sa sales rep na i-cut na ang presentation and give us the objective of their presentation.
P10,800.00 daw ang annual maintenance fee, in which we can stay for 7 nights per year in any of their hotels. That amount sounds good enough dahil pag nagamit mo nga naman sa boracay, lalabas P1,543 lang per night of stay. Eh we all know naman kung magkano ang rates ng mga hotel sa boracay. Saka nakaplano na talaga kami magbakasyon later this year.
Ang catch, may membership fee daw na accdg sa kanya eh di naman daw kamahalan. So my hubby kept on pressuring him na ibigay na ang kung magkano ang membership fee nila. Paligoy-ligoy pa rin ang sales rep until we threatened him na lalabas na kami. Sabi nya, “SAAN KAYO PUPUNTA? HNDI KAYO PWEDENG LUMABAS!” which my hubby replied, “BAKIT HINDI? LAGPAS NA TAYO SA 90 MINS. LOUSY PRESENTATION NYO!”
Sa taranta ng sales rep, tinawag nya ang manager nya kuno in the name of Harry na inentertain naman kami kaagad. we ask for his surname, pero harry lang daw. Yun pala, may binebenta silang club shares equivalent to 499K! 499K! Hayop! and for us to avail daw of their product, we have to give a downpayment equivalent to 30% of the purchase price. Sabi namin thats way too much, hindi practical, at mas lalo pa kami mapapamahal. We’re better off if we keep our money, then choose kung saan hotel kami mag stay in the convenience of our time.
Then, we were offered an employees’ discount daw. From 499K, bumaba ang presyo nila to 100K! Tanong ko bakit ang laki ng binaba? Kasi daw for 8 years lang ang membership, at one time lang nila i-ooffer. Kumbaga, its NOW OR NEVER daw.Pag lumabas kami ng opisina nila at mag decide later on na we want to avail, magiging 499K na ang babayaran namin.
Sinong ginagago nila? so nagpaalam na kami ng maayos n decided to forget kahit yung GC nila.
Akala namin, makakalabas na kami. But nung bumalik ang sales rep, nakasimangot na ito at nag galit galitan. “Ano pa ba ang ayaw nyo, binigay na nga namin ang employees discount. Sa inyo lang namin binigay ang offer na yan! (Oh, really!?)
Sabi ng hubby ko, granting na mura nga kung sa 5 stars hotel nyo ino-offer yan, we still need time to review your proposal. Sagot naman ng sales rep, “Hanggang ngayon lang po talaga ang offer namin. Pumirma na kayo, sir!”
Then kukuha na raw ng kontrata c sales rep, in which my hubby replied, “Kukuha ka ng kontrata? Buti nga yan para ma scrutinize ng lawyer namin.” Balik ulit sa upuan c sales rep, “Hindi po pwede ilabas ang kontrata namin, sir.” WAHAHAHAHA!!! Doon, talagang walang duda na mga scammers nga mga ito!
Di pa rin sumuko si sales rep. Sabi pwede raw mag down kahit 10K lang para doon sa Legal and Processing Fee, para ma avail pa rin daw namin ang employees’ discount nila. Down para sa legal and processing fee??? Ok ka lang tsong???
Di raw kami lugi kahit mag bigay kami ng 10K dahik may GC naman daw kami thats good for 3D//2N stay in any of their hotels. Hello Mr. Sales Rep, whether we give in to your offer or not, we are entitled sa GC na yan dahil yan ang ipinangako ninyo in d first place kaya nga kami pumunta sa ofic nila! (Yung GC na yan nalaman namin later on through searching the internet na pakulo lang talaga. D GC is valid only for 3 months. Magffax ka ng gusto mong hotel sa kanila, den papahirapan ka nila by telling you na fully booked ang mga hotels nila. If ever man matuloy, you have to give 5K and they will have you booked dun sa pinakapangit nilang hotel. Hindi sa mga hotels na ipinagyayabang nila. And you can never refund d 5K. Kaya lumalabas, parang binayaran nyo na rin ang bulok nilang hotel.)
Eto pa, nung paalis na talaga kami, pinipilit kami na tanggapin ang GC kesyo mawawalan daw sya ng trabaho pag di namin tinanggap. Sabay sabi kailangan namin mag down ng 5K kung gagamitin namin ang GC nila 3D/2N stay. AHAHAHA!!! Pagkalabas namin ng ofic nila, pinunit ng hubby ko ang GC n threw it away.
Just a total waste of time. Club Ultima is definitely a SCAM! Sorry na lang sila at di kami nagpaloko. Sayang nga lang 3 1/2 hours namin.
may alam pa po ba kayong way para mapabilis maibalik sa akin ang pera ko ng philippine prudential life? gusto ko rin po kasi gumawa sa sarili kong paraan…kailangan ko na po yung pera ko sa june 14 help me naman po
I’ve been receiving a lot of messages from someone from Philippine Prudential saying that I have unclaimed privileges. I’m about to call the numbers on the message, (’cause this has been sending me texts continuously), but good thing I searched on PPL before doing so. This blog really helps. Thanks!
@katherine – sang branch ka? actually kakabasa ko lng ng blog na to..last year pa ko..ng pinapacancel ko,,ayaw nila,,di daw ibabalik un pera..aun im kinda tanga, nanghinayang,,kaya pinagpatuloy ko! at hanggang ngayon, every month, i’m paying P1,610 through my Credit Card,,,gusto ko na tlaga stop..balak ko sana pumunta at pacancel na! at cxempre di ako papayag na di nila ibalik lahat ng money ko! nangutang lng nga ko to pay that (un initial na binayadan ko is P24,160 ng April 2010) at monthly thereafter un P1,610. Actually, i feel so tanga tlga with this one. Pero gusto ko na itama, at ng mawala ng tong problema na to..Sa SM Megamall branch ako..sa mga nakaclaim na ng knila,,please help me….balak ko pumunta this week..or weekends..who can join me?…thanks!!!
i just called to them (902-2300)..un person na ginny sta.maria was already dead daw..last year..they said i can’t get the whole amount daw..hay..P37th plus na daw un nabayad ko based sa system nila..sana tlga mkuha ko pa din lhat! di na ko mkafocus sa work ko! my same situation ba skin?..one year na un akin..
sheh- sa sm southmall ako. makukuha mo pa yun kung pero im not sure kung lahat ng pera mo makukuha mo pa pero kalokohan nila na wala kang makukuha try mo pumunta sa main branch pero bago ka pumunta dun try mo tumawag sa dti or sa insurance commission. anu ba yung reason bat mo ipapacancel tsaka gano kana katagal na yyung policy mo explain mo sakin baka may maitulong ako sayo.
sheh ilang taon kana at san ka nakatira? nabasa mo ba yung 15 days free look period kuno nila…kasi imposible di nila ika cancel yun. pplic din ba yung sau?
naku tatawag na kami ni nanay ng media pag wala paring result sa friday….pupuntahan ko nga si tito anthony bukas…badtrip mga taga pplic.
nasaan yung comment ko hehe
sheh nagcomment kana dito dti?
hi katherine..first time ko lng ngcomment ng june 6. ngpunta ko sa knila on that same day, sa head office, pinacancel ko na lhat ng next na billing..they cancelled it..so ang next battle is to get back all my money..from 37th plus na nhulog ko na, 7th lng ibabalik daw nila,,cxempre di ako pumayag..dati ksi pina-cancel ko na,,e after 15 days na un,,ang bc ksi sa work..so ng pumunta ko dati,,ayaw nila ibalik un 24 th ko!! kaya ang ending pinagpatuloy ko til i reached 1 year na nga..nggawa lng ako ng cancellation letter at binigay ko sa knila..sabi ko i want them to returned all my money..aun..tatawagan na lng daw..so kukulitin ko sila everyday….
@ katherine – im 24 na pala, taga bulacan, pero renting dito sa makati, dito ksi work ko.
ikalat po nten ung link sa Face Book ( FB ) pra wala n clang maloko at para masmabilis malaman ng iba ..muntik n rin kame jan ng gf ko buti n lang nakatunog n ako.dapat kc ung mga Mall maging concern din sa mga taong pumupunta sa kanila kc cgurodong magk2roon n ng pobia ung taong naloko nila..God Bless to all..sana wala n clang maloko
we went to sm megamall para maghanap lang ng dental clinic pagpunta namin ng bf ko sa bulding a sa pinaka taas i think its level4 along megatrade… paakyat pa lang ang escalator ng may sumalubong na samin at asking if we want to win a car… syempre sino ba naman ang ayaw sa kotse… to tell the story short… nakarating kami sa office nila sa building a at very as in very accomodating ang agent na ang name eh CHARITO… na tinuruan pa kami kung pano manalo sa raffle… may kakausap pa samin sa loob na mayroong briefing etc… they promised na 45 minutes lang daw yun… ipapakilala ang company lang… kamote inabot kami ng 11pm kasama na ang isang oras na paikot ikot na pagpipilit na i swipe ko ang card ko for the savings daw namin… kaso akala nila maloloko nila kami ng bf ko… buti na lang naintindihan ko ang theory at process sa mga insurance… hays salamat sa major ko na banking and finance…walang nagwa ang manager din nila na umupo na din saming table… medyo natakot ako kse nga ayaw kami paalisin biruin nyo kami unang pumasok doon, at kami din ang huling lumabas… hays buti na lang talaga …. hindi kami nahulog sa panloloko nila muntik lang… hays
cheng2418…muntik muna nga swipe ung CC mo eh buti n lang andun c pan2x…ahahaha.joke lang..i love tabebe ko..(,”).
@yankies#18— ahhh oo nga nandoon si panpan… kaya pala nho… ayaw mo magsalita… pero buti na lang talaga at bumawi ka bandang huli… at hindi na kuha ang CC ko… T_T ikaw pa naman ang magbabayad non… kung nagkataon hahahah…
joke lang tabebe ko i love you… (,”)…
sheh anu concern mo about sa policy mo tell m skin lahat or gusto mo samahan kita sa main nila
sheh check m yung website nila my email add cla dun pede ka mag email dun
sheh sorry di ko nabasa yung una oo tawagan mo sila everyday kung wede sigawan mo nag email ako dun eh tinagalog ko kasi kumukulo yung dugo ko eh. wag ka papayag na di mabalik yung pera mo wala ka nman nakukha pa na benefits diba?kasi pag nagsara yan hindi mo narin mababawi yun.tawagan mo everyday wag ka titigil email mo din kung pwede. kasi may tendency na kalimutan nila or i prolong nila yung pag release ng pera mo. syempre tumutubo yung pera sa bangko so malaki na sobra yung matutubo nila sa pera mo.balitaan mo ako sa mangyayari sa process mo at kung makuha mo yung pera mo.balitaan din kita pag nakuha ko na yung akin.may fb kaba san ka nagwowork sa makati? 21 na pala me dito ko sa paranaque nakatira
sige po kalat nyo po sa mga social networking sites kawawa naman po yung mga taong nabibiktima nila.hindi mo naman pwedeng sabihing tanga sila kasi ang ginagawa ng mga taga pplic prine pressure nila minsan nga parang harassment na tsaka sinasamantala nila yung mga taong sadyang mabait at di bastos ineentertain sila… hindi nila bigyan ng panahon mag isip overnight tapos sasabihin a nila nagbigay sila ng time…kukuhanin yung perang naipon mo.ipakalat nyo po para magkaroon ng awareness ang mga tao.
@katherine – oo tatawagan ko sila everyday! mabait nman un nkausap ko ng pumunta ko last Monday. Kaya di mxado umiinit ulo ko. hehe. sinabi ko din na expect nila tatawag tlga ko hanggang maayos na to. e-mail add ko, sheh_miles22@yahoo.com. sa may bandang paseo ko ngwowork. cge balitaan mo ko pag okay na un sayo..slamat!!!
sheh-add kita add mo rin ako katherinezafira@yahoo.com naku sana makuha na natin mga pera natin….goodluck satin
it’s been 3 months since d last time i received a txt msg stating i won privileges and rewards from PRUDENTIAL LIFE ROBINSON’s LAGUNA BRANCH. Logically, i ignored it.But yesterday, one janice banico called and she almost had me convinced. thank God i found this site.
@katherine— na ilagay ko na din sa twitter ang ginagawa ng Phil. Prudential na yan… sana makuha na nyo ang mga pera nyo… hays at sana wala na silang mabiktima… bakit kase pinapayagan sila ng SM Admin (megamall) na doon mag lungga…
sa founder ng Prudential Life…..Makakarma ka rin sa lahat ng taong niloko mo.sana pagsisihin muna ung mga pinagg2wa mo.
@cheng2418-thanks po at pinakalat nyo sa twitter. sana nga po makuha na namin yung mga pera namin.hay pati si sheh niloloko nila wala daw yung mag aayos naka leave daw. grabe sinungaling talaga.
Hi,
I was also deceived yesterday (June 11, 2011). Planning to cancel my insurance on tuesday or thursday (depending which day i’m available). Sa megamall po ako na corner. Sino po gusto sumama magpacancel? If meron po po gusto sumama. email me at iceguy666@gmail.com
maganda nmn ung offer nila kaso un nga lng ung strategy nila. Nakulitan lng kc ako kahapon, it’s been 2 hours na tpos hindi pa tapos ung presentation. tpos un, sabi titignan muna kung papayag ung banko. tpos next thing i know, pinapapirma na nila ako ng contract. and i did some calculations and parang lugi ako sa kakalabasan after 15 years eh. good luck sa akin. sana ma refund ung full amount. galing nila mang-uto eh.
Hi!gusto ko din pong ipacancel ang policy ko,kaso wala na w akong marerefund! Grabe,gnun-gnun na lng ba yun? Ng-avail ako last Oct 12, 2010, b-day ng youngest ko ng may ng-approached sming mg-ina tpos, 45mins lng nman dw at wla silang binebenta. To make the story short, nauto po ako at n-swipe nila ang bdo card ko at got Php9,835.00 that night! Last jan 2011 start ng php1,610.00 sa debit card ko. Tumawag ako sa main ofc to cancel it last may 25, 2011 kasi i decided to get educational plan sa youngest ko. Dun ko nalamang wla dw refund sa pera ko o if i want dw, downgrade nila policy ko at kun di pa ako makakabayad w/ interest dw yun, until such time na mkahulog ulit ako. Di ako pa ang lalabas na may utang! Pls help me kun san ako dpat mg-cancel?sa main ofc ba o sa branch?Kc nabasa ko dito s blog much better to do it on the main,kso pg inemail ko yun mga nsa blog d2,no response at pti yun mga ph nos na nka-post re Ms. Jenny Sta Maria ng Prudential, di mkontak! Fm emie.
@Emie Laconico, ma’am, mas mabuti siguro dumeretso ka na sa main office nila sa ortigas. dala ung cancellation letter nyo. at wag kayo papayag na ma downgrade lng. ipacancel nyo nlng. hayaan nyo nlng ung refund, kc mas mabuti kung wala ka na aalalahanin. pero opinion ko lang po iyon. pupunta po ako sa megamall bukas para magpacancel. ipapamukha ko nalang sa kanila ung policy nila na pwede magpacancel ng policy with in 15 days. since wala pang 15 ung akin, cguro nmn wala clang palag. Thanks.
hay wala padin po yung pera ko..sabe nachargeback nadaw pero mukang niloloko na naman ako ng mga gunggong… nakakainis….kung nachargeback na sana nandto na yung pera hay…..
nakakainis pplic makunsensya nman sana kayo kung may konsensya pa kayo
Hi all, nacancel na yung policy ko kanina. Waiting for refund nlng ako. Kahapon nagreflect sa bank statement ko ung nakuha nilang pera. T_T so i think i’ll be waiting 30 – 45 days. mabilis sana ung refund kung hindi pa nagreflect. Good luck nlng sa akin.
@katherine: goodluck po, sana makuha natin ung pera natin. buti pumayag sila na ipacancel ung policy ko. kinausap ko nlng nang mahinahon para hindi nmn halata na galit ako. sinusubukan pa nila ako i convince na idowngrade nalang, pero sabi ko paano ko mapapakinabangan ung pera ko kung hindi na ako makakabalik sa Pilipinas for 30 years. wala na sila nagawa nung sinabi ko un. sinabi ko pa bago ako umalis na irerecomment ko nlng ung company nila sa office mates ko. irerecommend ko na umiwas sila sa PPLIC at kung maari wag nila sabihin na may dala silang CC or ATM. hahaha
@icefang:malaki rin po ba yung nakuha sau?sakin po medyo malaki sabe nila nachargeback nadaw nila sa bank ko pero wala padin.nag ask ako ng charge back proof sa kanila iemail daw nila sakin pero wala naman. kundi talaga ako pinagloloko….goodluck po sana nga makuha na natin…grbe pinahihirapan nila tau. nag go na nga kame sa lawyer kahapon eh
naku ayun nareceive ko na yung copy ng chargeback tatwag pa kme sa bank.pahirap talaga..
@icefang: kinukulit kulit mo po ba yung mga taga pplic? pano po ba nangyari sayo? nag eemail ka po ba sa kanila? dapat po pinarush mo yung pag process ng money mo yung sakin po ganun kasi kung wait mo pa yan baka patagalin pa nila….nightmare na nga ata ako ng pplic kasi di ko sila tinigilan ng email at tawag….kasi kung ano ano pa sinasabe…hay sana po makuha na natin mga pera natin…
beware po sa mga agents ng PHILIPPINE PRUDENTIAL LIFE sa mga malls sm southmall sm megamall sm north at kung saan pa nagkalat ang mga yan…. wag kayo magpapaloko sa mga yan pag lumapit sa inyo wag nyo pansinin o kausapin kasi hindi kayo titigilan ng mga taong yan…hanggat di kayo nakukuhanan ng pera..madaling nakuha yung pera nyo pero pahihirapan nila kayo sa pagbalik….ingat po kayo sa mga taong yan.
In my case I was offered in SM North Annex on June 11, 2011. I also cancelled the insurance plan with PPL yesterday (June 14, 2011). And like icefang they also wanted me to wait 30-45 days,.what will I do to get the refund within soonest possible?
@anne-kaw po ba yung nagcomment na dito dati yung nabasa ko sa may bandang itaas nitong blog
Me opening daw sa PPL. Baka gusto nyo i-try.
@joke lang:bangag kaba o wala ka lang magawa o taga pplic ka
itong site na to para makatulong sa mga taong may problema sa pplic makpag share ng mga naging experience nila para makatulong sa mga tao at magbigay ng awareness sa iba…ngayon kung wala naman kayong ibang sasabihin regarding sa topic dito wag na kayo magpost ng kung ano anong kagaguhan dito.kasi wala nman kayong naitutulong..at kung taga pplic kayo ang kakapal ng muka nyo di na kayo nakonsensya sa mga inisahan nyong tao.mga gago kayo i hope you can all rot in hell
badtrip kasi nakakapang init ng ulo….sana tumulong nalang hindi yung nanggagago pa ng tao
Naloko din ako nyan. But that was two years ago. Nabaon ako sa utang sa credit card ko dahil hirap akong hulugan yung 19k na kinuha nila sakin. May ganti rin ang Diyos sa mga yan…
masasabe ko lang di ako titigil hanggang di ko pa nakukuha yung refund ko..kayo din po wag kayo tumigil kasi karapatan nyo yun bawat pinaghihirapan ntin ang mga pera natin kahit magkano pa yan…basta magiging nightmare ako ng pplic hanggat di pa nababalik yung pera ko…
@katherine halos 20k ung nakuha sa akin eh. kukulitin ko nlng sila if may time ako. baka next week. mejo busy pa ako eh. magpapadoctor pa ako bukas. Pumunta ako sa place kung saan ako naloko tapos doon ko pinacancel ung akin.
noong june 11 din ako naloko eh. ang sabi sa akin ichecheck lng daw kung papayag ang banko, pag daw hindi pumayag papauwiin nlng daw ako. eh mahigit 2 hrs na ako kinakausap. pumayag nalng ako icheck. sabi nmn nila nasa akin ung last decision. tpos pagka-swipe ng atm ko. meron na agad lumabas na resibo, tapos ayun pinapapirma na agad ako. hindi ko nga alam nangyari. ang pagkakarinig ko ichcheck lng. tpos ayun na. wala nalang ako nagawa kundi pumirma.
@emmie – Si Ms. ginny sta.maria ba tinutukoy mo? hinanap ko din cxa, at she’s dead na nga daw due to an accident.
@icefang: ganun din yng akin more than 20k naku dapat po follow up mo lage yan.kasi di nila aasikasuhin yan….matatagalan ka lalo. nkapag submit kana po ba ng cancellation letter?
@katherine: first time ko lng po magcomment yesterday dito s blog na ‘to. last june 11 lng po aq nakakuha ng policy nila s PPLIC. s SM North Annex,..napacancel ko n rin po xa nung tuesday (june 14,2011).they wanted me to wait for the refund 30-45 days just like icefang.ano po pde sunod n move?
Muntik na akong ma biktima last saturday sa potek na PPLIC na yan sa STAR MALL sa Shaw. Ang sabi sakin for promotion lng daw and walang money involved. so nag sign ako para sa raffle sa kotse, Honda City to be exact. Tinanong ako kung may ATM or Credit Card. It happens naman na meron ako both so qualified ako. Ang dami daming pinagsasabi sakin nung bading na agent na hindi ko maintindihan. Tipong nanglilito sya. After ko mag sign, sinabihan ako na pupunta daw kami sa mega mall kasi dun daw maglalaro nung sinasabi nyang game para manalo ng kotse. Buti na lng at nagmamadali ako, hindi ako pumayag. Pinilipit parin ako nung bading na agent pero nag pumilit ako na aalis na kasi may pupuntahan pa ako. Kung sumama ako dun, siguro na experience ko rin ang mga na experience nyo.
Mag ingat po tau sa mga ganyang style. Marami na rin akong mga nababasang emails from my officemates na ganyan rin ang kwento.
@anne:give mo nalang sakin email add mo para dun tayo mag usap hirap mag usap dito kasi mamaya mabasa ng mga taga pplic…gawing strategy para dun sa iba na naloko din nila at nagpacancel ng policy nila.
friday na hmmmmmmmmmmmm pag wala parin yung refund sa account ko pupunta na kame sa main office nila.
@katherine:here’s my email po,.. anne_17_23@yahoo.com.
Thanks.,Goodluck hopefully we can get the refund soonest possible.
Muntik na rin ako maloko ng mga yan.. Buti na lang dineretso ko sila ng NO kahit pilit ng pilit sila na i-swipe ung CC ko. Hanggang sa manager na nila ang nakikipag-usap sa akin and I had the nerve to say to them na what kind of insurance company are them if they will not give me time to think of deciding for my future, much worse, in just 45 minutes! And at the moment I step out of the room, they will no longer give me second chance if I really want to give it a go? They said that many Filipinos would want to avail the insurance and I am now given the opportunity to avail this damnshit insurance. But no matter what they say, it’s still a no for me..
By the way, this happened to me last week when I was in SM Pampanga. I decided to stop by the mall before I ride a bus going back to Manila.. I also mentioned to them frankly that I suspect that they are scammers but they insist they are legit.. Yes, they are ligit.. But the way they market their insurance is tricky and misleading..
nakuha ko na po yung refund ko ngayon lang……….im so happy… salamat po sa mga comment nyo dito nakatulong ng malaki salamat kay ate sheh salamat kay miss rc andres sa bdo na napakabait na nag asikaso ng refund ko….. at salamat sa site na to salamat kuya arpee lazaro
wag po kayo mawalan ng pag asa kulitin nyo po yung pplic sa refund nyo gaya ng pangungulit nila sa inyo………hay salamat natapos na ang problema ko…thanks talaga sa site na to…………
2 weeks lang nabalik agad yung pera ko…kaya nyo rin po yan….makuha yung pera nyo agad…
Hi. three years na ko naghuhulog sa pplic gusto ko na sana ipacancel kaya lang nung nagtry me ipacancel sinabihan nila ko na di na kaya irefund lahat.. certain amount na lang daw… di din sila marunong mag-issue ng O.R.. baka nman po pwede nyo ko matulungan sa pwede kong gawin…malaki na nakukuha nila sa kin. Mula ng mabasa ko as in ngaun lang natakot na talaga ko
please help me….pwede po bang pakituruan ako at sample po ng cancellation letter..please po….salamat po
@ces:hindi po pwede na wala ka makukuha kapag nag alok sila ng plan diba sinasabe nila na may makukuha after one year meron ka po makukuha dun
@katherine: pwede pa ba makakuha ng full refund? di din sila kasi marunong mag-issue ng receipt.. yung september 2-dece2010 at preset di nila pinapadala. pakitulungan nman po ako madam.. salamat po
@ces:yah pwede makuha ng full refund…anu na po ba yung ginawa nyo nakagawa na po ba kayo ng cancellation letter….nag email na po ba kayo sa pplic or pumunta na kayo sa office? medyo matgal narin po kasi yung sa inyo 3 years..
@ces:yah pwede makuha ng full refund…anu na po ba yung ginawa nyo nakagawa na po ba kayo ng cancellation letter….nag email na po ba kayo sa pplic or pumunta na kayo sa office? medyo matgal narin po kasi yung sa inyo 3 years.. di po kasi ako masyadong familiar pg cc atm po kasi yung akin
as of now wala pa po pro nung nabasa ko to natakot ako ng husto….malaki tulong ng blog na to… sige gagawa na ko ng way … puntahn ko sila by tuesday or tomorrow.. big thanks katherine ha… update ko kayo lahat kung ano n nangyari. ngapala, cancellation lang ba kailangan? ano pa ba steps / letters ang pwede gawin.. Thank you so much
@ces:san ka po ba nakuhanan sa atm or cc…opo cancellation tpos dpat ipaphoto copy m lhat ng documents na nasayo kasi ibabalik m yun sa kanila…..3 years malaki na po makukuha m dun….ask ka po sa lawyer…
@ces:san ka po ba nakuhanan sa atm or cc…opo cancellation tpos dpat ipaphoto copy m lhat ng documents na nasayo kasi ibabalik m yun sa kanila.
ako din muntik ng magoyo sa sm megamall kahapon instead nag eenjoy ako ng restday ko sa toycon 2011 sa megatrade hall napunta pako sa walang kakwenta kwenta nilang pinagagawa . super badtrip ako talaga kahapon.
@katherine: cc yung sa akin…sana nga makuha ko yung buo na refund.. this week ko talaga balak puntahan…mga mangogoyo sila
@ces:ah ganun po di po kasi ako masyado familiar sa cc nag consult kana po ba sa lawyer?kasi ako nag consult ako agad sa lawyer incase na di nila ibalik.
ano sabi ng lawyer mo? lalo nman ako nag-aalala nyan..
@ces:basta wait ko daw po muna within two weeks kung ibabalik talaga nila yung pera if di daw po saka kame gawa ng mga aksyon bout my problem…i think mas kailangan nyo po mag consult kung talagang gusto nyo na ipacancel at makuha yung pera nyo…btw…san po pala kayo nakatira at ilang taon kana po?
@ces:nabasa nyo po lahat dito sa site na to?alam ko meron pang ififile na dispute letter..
@icefang:ano na po balita sa refund mo? nakuha ko na po yung akin thank god.
@katherine: buti nmn nabalik na sayo. mag fofollow-up palang ako this week. mejo busy kc ako eh. mag-update ako dito once maka-follow-up na ako. wish me luck.
@icefang:oo nga po eh! sa cc po ba kayo nakuhanan? naku asikasuhin nyo na po agad yun…goddluck po makukuha mo yn
@katherine: 28 ako nun, nagpalipas lang ng oras naging biktima pa… mandaluyong ako so megamall cia…gusto ko na talaga cia ipa-cancel…
ako one year pa lng..pero ayaw nila balik lahat! i’m still hoping and praying..sa 37th plus na binayad ko, 10 th plus lng gusto nila ibalik..
@ces – mtagal na un sayo..mjo ibang laban yan,,ako one year, hirap na hirap na..un sayo ba un P1610 per month?
@sheh: P1840 per month halos nasa 60k plus na nakukuha nila.. di nman sila nag-iissue ng O.R. kailangan ko pa puntahan. huling O.R. ko sept 2010 pa. I consulted a lawyer na wait ko lang advise nya.
@katherine – tumawag ung prudential kanina, sabi nagsend na daw sila ng chargeback sa bank ko noong 21. (sila na nag fofollow-up. hindi ko na kelangan tumawag) ATM ung nakuhanan sakin. i-confirm ko daw sa bank. kung wala pa daw wait daw ako ng 7 days tpos i follow-up ko ulit. mag-post ulit ako kung may updates.
@icefang:ipadala kamu nila yung copy ng chargeback transaction nila sau tru email kasi ganyan din yung akin tpos pinabayaan nalang nila.hiningi ko yung copy kasi wala nman sa bank yun eh…tinawagan ko yung bdo na magchachargeback sakin which is sa binondo pa..atm adjustment kasi yun…so ganun din gawin mo hingi ka copy..
@icefang:kasi wala na sila pakealam jan eh so hingi ka copy then yung bank na magchachargeback ang tawagan mo…baka yung bdo din sa binondo yung magchachargeback sau…like mine
@icefang:tawagan mo uli sila…para humingi ng copy. ask mo narin yung name ng kausap mo yung magpapadala ng copy sa email mo..kasi ako ganun talaga ginawa ko…kinulit ko tlga ayun 2 weeks bumalik na yung refund..salamat nman.
Matanung ko LNG mga sir maam, navictim din ako kanina, pero nagbayad na lang Ako ng 365 pesos cash para LNG makalusot dun sa office nila at para Hindi mapahiya yung girl agent. Since dko po bnigay creditcard ko ang inaala-la ko LNG ung mga details ko na pinirmahan sa form, anu kaya gagawin nila dun? Sarap kasi kausap ung girl agent at subrang ganda nya kaya sumama ako hehehe.
@fullgray: ganon? di maloloko kana at lahat babae padin? that’s nonsense.
ganon ano ineendorse mo yung ganda ng mga taga pplic kahit na manloloko….my god!
my god sa mga taga pplic or kung sino mang gago na manloloko dito sa site wag na kayo mag attempt ang kakapal naman ng muka nyo lalo na kung nagwowork ka sa pplic….manloloko pa kayo sa site instead na tumulong kayo…lolokohin nyo pa mga tao dito nakakahiya kayo…
badtrip para kasing mga tanga….wag na kayo magpose ng walang kwenta..yung nakakatulong nalang
Sorry po mam relax Lang, ang sakin lang un pa Napili nyang work e sabi Nya graduate sya ng UP. Paksagot nlang Kung anu gagawin nila sa mga details para aware naman me thanks. Wag npo Kay magalit
wala naman silang gagawin dun as long as di mo napa swipe yung cc mo or atm.
lahat naman ng mga yan sinasabe galing silang up eh kung galing silang up dpat di ganun yung work nila.mga sinungaling talaga makapangoyo lang ng tao.. galing UP? UPian ng lata university.
lahat naman ng mga yan sinasabe galing silang up eh kung galing silang up dpat di ganun yung work nila.mga sinungaling talaga makapangoyo lang ng tao.. galing UP? UPian ng lata university.nakuuuuuuu
ang kakapal ng mga mukha ng mga tao sa PPLIC para mag-post pa ng ganyan…
hay..ala pa din nangyayare sa insurance ko,,ayaw nila ibalik lahat ng pera ko =(
ang laki ng tulong ng site ni arpee lazaro sa akin sa pag bawi ko ng pera ko.sana makatulong pa to sa marame.
Maraming salamat po sa site na ito, Mr.Arpee Lazaro. Nakuha na po ng anak ko si katherine, 21 yrs. old, ang pera from PPLIC.
@icefang:anu na po update sa refund mo?
@ces – kamusta na un sayo,,ng-email na ko sa insurance commission..la reply…….hay….di ako pinapansin din ng prudential =(
Don’t lose hope. I was a victim of this PPLIC last year(December) ang just got the refund last January 2011. Almost one month din. Kulitin nyo lang.
kasi naman PPLIC tama ba manloko ng tao?kung nagbebenta kau ng insurance go straight to the point na nag bebenta kau ng insurance hindi yung may kalokohan pa na nanalo ng something then ssbhin nyo may orientation na 45 minutes yun pla aabutin ng 2 or 3 hours tapos sasabihin nyo ipapakilala lang yung company nyo yun pala simula na ang lokohan kunyari concern kayo na makaipon ang mga tao ng pera tapos mag oofer na kayo ng insurance…pwede naman eh kaso hindi nyo binibigyan ng pagkakataon tumanggi karapatan ng mga tao ang tumanggi. hindi nang haharass pa kayo ng mga tao….PINAGSASAMANTALAHAN NYO ang kabaitan at kahinaan ng isang tao…makarma sana kayo lalo na yung mga agents na nanloloko…maawa kayo sa mga pamilya nyo.
@katherine: nabalik na po ngayon ngayon lang ung pera ko. sakto pa sa sahod. anyway, hindi na ako nakatawag sa kanila eh. pero nabalik naman yung pera ko kahit hindi ako nagfollow-up kahit minsan. Ingat nalang po sa iba. para sa mga naloko, wag kayo mawalan ng pag-asa. nagbabalik naman sila nang pera pag napacancel nyo within 15day freelook.
@icefang:ilang weeks po bago nabalik sayo?nabalik po ba ng buo khit di ka everyday nag follow up?
GUYS TULOY PA RIN ANG TACTICS NG PRUDENTIAL NA YAN.. MUNTIK NA AKONG MAKAPUNTA SA OFFICE NILA SA CAVITE INFRONT OF SM BACOOR… TUMAWAG SA AKIN ANG NAG NGANGALANG MARY ANN ILANO.. ETO NUMBER NILA 4187506 AT ETO ANG MGA CP NUMBER NILA.. 09183817269 AT 09178087590… TUMAWAG SA AKIN SA LANDLINE KO. WAG NYO PAG INTERESAN ANG INSTANT MONEY O PRIZES BAKA KAYO ANG KUHANAN NG MGA **** NA MGA YAN. WAG KAYO PAPAKITA SKEN AT SASAMPALIN KO KAYO!
oo nga po eh tuloy parin sila walang kahiya hiya.
@sheh: nagconsult na ko sa lawyer..aba ang mga walanghiya nag-follow-up ng payment ko sa bahay, tumawag kasi daw default na daw ako sa pagbabayad dahil nag-expired ang cc ko, awayin ko nga kakapal ng mukha maningil wala nman receipt na ini-iissue. di ko pa napupuntahan kasi sobra busy, kapag napuntahan ko update ako dito.
@icefang: yung sa kin kasi todo lagpas na sa 15 days para sa redemption ba yun? mga bwisit
@ces:ano po sabi ng lawyer mo at anu sabe ng taga pplic?
may ganyan na rin ang cocolife…sa sm north konti na q mabiktima nila,..hinahanapan aq ng credit card..then nung nasa office na nila aq..pinipilit aq bentahan ng insurance..same na panloloko ng mga tao…ingat kyu,,yusep ang pangalan ng nambibiktima sa sm north..
hay, kahapon lang naloko ako ng company na to, buti nalang sumunod ang mama ko sa akin,,,,.. nakilala nya ang company na nagpalitpalit lang pala ng name from family first, danvel at ngayun nga PPLC… naloko narin sila ng company na e2 before, kaya gumawa agad ng aksiyon ang mama ko nung nalaman na naka pag swipe na ako ng bayad para sa insurance nila, grabi ang company nito… oferan ka nila ng raffle at free prices, kahit alam nila nag mamadali ako kahapon, Pinilit pa din ako Pumasok sa loob ng office nila 45 minutes lang daw pero inabot ako ng 3-5 hours sa loob… tumatanggi ako pero pilit sila ng pilit…. Pumayag ako na icheck dw nila kung maaccept ako kaya dinala ako sa isang desk ichechek dw nila ang bamk nd bdo kung maaccept ako… kaya nag swipe ako akalla ko nman sasabihin muna sa akin kung maacept ako bago mabawasan ang atm ko.,, garbi sila kaya umaksiyon ang mama ko, dumeretyo sya sa management ng SM at nireport ang nangyare pinaparefund nya ung binayaran ko na almost 17 thousand.. Pinipilit nila na 30-45 days daw ang waiting kasi bank to bank daw…Huminigi kami ng nag pasa ako ng statement sa sm, kinausap ng management ang isa sa representative ng PPLIc na padaliin ang pag refund ng pera at wag na patagalin ng ganung araw… nung una ayaw pa nila ilabas ung mga pinirmahan ko pero di pumayag ang mama ko, nag hyhysterical mama ko pag di dw nila binalik un ipapapolice sila at issusumbong sa kinauukulan… kaya un kinuha nila mga pinirmahan ko at pinapunit nmin sa harapan nmin… at humingi din kami ng certification sa company na ibabablik nila. at request letter ko na sa pag refund…. Hope na mabalik ASAP ang [pera na nakuha nila sa akin …..
@leni:hi po gumawa po ba kayo ng cancellation letter? san pong sm kayo naloko at san pong management kayo ng sm nag report? yung akin po narelease po nila within 2 weeks.
@katherine: yup nabalik nmn ng buo ung pera ko. saktong 2 weeks bago nabalik. sa mga naloko, ipacancel po niyo agad. gawa kyo cancellation letter tpos punta kyo sa main or sa branch kung saan kyo na loko. wag kayo papayag na ipadowngrade nlng ung policy. ipacancel nyo nalng.
@icefang:ay good for you po sana po paalam mo po sa ibang kakilala mo yung tactics ng pplic para di sila maloko.
@icefang:ay good for you po sana po paalam mo po sa ibang kakilala mo yung tactics ng pplic para di sila maloko.
@icefang:ay good for you po sana po paalam mo po sa ibang kakilala mo yung tactics ng pplic para di sila maloko.
guys sa facebook naman nagkakalat ng lagim ang pplic….
@katherine:Settled n ung sakin. Thanks God and to this site and to all who posted helpful tips here. Thank u. For those who has the same situation as I am before, you can still cancel the policy and wag kaung magpasindak s knila.Hope you guys can also refund yours.;)
@anne:im so happy for you…right! wag kayo matakot kasi pera nyo yan basta sakop pa ng 15 days ipacancel nyo na
@anne: congrats at nakuha mo na.
to all: I went to their office last sunday may tao dun nagrequest for refund. talagang di nila hinahayaan na makipag-usap sa ibang tao. ang daming bantay.
ok lang yun….wala naman silang magagawa kung gusto mo na kunin pera mo.
WAh. na manipulate din ako kanina napapirma ako dati lagi ko dinededma yun prudential life na yan kasi duda ako pero kanina talga di ko alam kung baket ako nakapirma siguro dahil confuse ung utak ko kanina… OMG.. todo pinagalitan ako ng mother ko at ate ko… nako.. kelangan ko tuloy mag leave bukas para lang asikasuhin tong lecheng insurance na toh.. thanks sa blog natoh may mga steps na ko gagawin para bukas.. wish Me Goodluck!
@cloud:san ka po naloko?sang sm?ipa rush mo po yung refund mo makukuha mo yun within two weeks.
sm fairview po.. nag leave nga po ako ngayon eh para lang asikasuhin to.. ano po magandang dahilan ang ilagay ko sa cancellation letter?> thanks mam katherine
@katherine – Credit card po kasi ung ginamit ko.. pwede pa po ba na. derecho din ako sa bangko ng CC ko na ipacancel yung transaction nila?
-thanks ulet.
jus wondering if they are giving 2year educational scholarship for college for free in celebrating their 48th year anniversary? coz my gf got a text msg and a call from a sun mobile number.
i meant from someone using sun mobile number.
@harold:dunno po eh kasi karamihan samin dito nagoyo nila….so karamihan dito sa site about lang kung pano macancel policy nila at makuha refund….kung txt baka loko lang yun after all wala na libre sa mundo lahat may kapalit.
I received the same strategy Harold, somebody’s very persistent in calling me since last week asking me to go to their office in Ortigas to claim the certificate for college scholarship. Di ko naman kailangan yun noh! Today I received a text message from PPL as a “final notification” daw. Hay naku, mapagod sila sa kate-text at katatawag they can’t fool me. I already have a doubt na scam ito kaya I searched from the internet and this is what I got. Thanks everyone for sharing your experience this will be a big help to others, sana mabalik ang hard earned money nyo that were duped by these scammers.
oo nga po pag nakatangap kayo ng txt wag nyo pansinin…naghahanap lang sila ng maiiscam.
@katherine – na pa cancel ko na ung policy ko.. nakuha ko din yung received copy ng SOA at cancellation request ko. sabi nia copy paste daw pa ung format ng letter ko .
muntik na daw maloko ung officemate ko. buti na kwento ko daw sa kanya ung nangyari sa akin. gumawa din ako ng awareness email tpos pinakalat ko sa office nmin. hopefully ma educate mga tao sa modus nila. sana gumawa rin kyo para malaman ng lahat ung kalokohan nila.
@icefang:yup pinapaalam ko sa mga friends at sa ibang tao yung modus ng pplic para wala na sila maloko kawawa naman yung mga tao na naghihirap ng pera nila.
hi ask ko lang po kung may naloko po ba sa inyo dito sa sm southmall at alam nyo po yung name ng nanloko sa inyo
@ katherine sa may sm megamall po nila ako naharang, sa management po ng sm megamall kami nag report… marami na talaga din nag rereklamo sa kanila, nd na pala pag rerenewhin ng sm ang PPIc sa pwesto nila sa dami n nag rereklamo, ung day na rin na po un nakapag cancel ako, at humingi ako ng cetificate sa kanila na katunayan na ibabalik nila… ung next day din Pumaunta kami sa main office nila sa Ortigas para to make sure na maicancel asap AT MAIBALik ang pera q… Hopefully maibalik nila as asap…
ako naloko ni nornel gallardo ms kat.kapal ng mga mukha ng taga pplc.magaling lang sila sa singilan pero pagkunin natin ang pera natin,pinapatagal nila.pag hindi ka tatawag sa kanila araw2x, walang mangyayari sa claim natin.most likely, babagsak din ang pplc, internal control nila bolok, delay pag nag iisyu ng official receipts. may naiisyu silang official receipts pero mail mali naman
@@@saan po kau naharang nila? ano po mga action na ginawa nyu?
@@@ auditor? ^_^
@DUCK: ANo pong auditor si @@@?
@LENI:anong email add mo?eemail kita.
@@@: san ka naloko ng mga taga pplic? at sa cc kaba nakuhanan or sa atm? nakita ko sa fb yang nornel gallardo nagwork ata sya sa cocolife. im not sure pero nahanap ko sya.
@leni:para masabi ko sayo yung ginawa ko para makuha ko yung money ko agad baka makatulong sayo.
sana naman wala ng taga pplic magpangap at mang gago pa sa site na to pero pag sagad sagaran na kakapalan ng muka di na mapipigilan eh…di bale may karma naman eh kung di sila natatakot matakot sila para sa pamilya nila.
hay salamat po tlaga sa site na ito…NGAYON NGAYON LANG MAY TUMAWAG SAKIN…LALAKI PAENGLIS ENGLISH PA..BAKULKOL NMAN..KESYO DAW NANALO AKO NG PANGPAGANDA AND MEDICAL CERT. NA TRANSFERRABLE PA…BASTA MAGDALA DAW AKO NG 2 ID N VISA CARD..SYEMPRE MAPAPANIWALA KA TALAGA NILA..ANG TATABIL DILA NILA…EH SBI KO BAKA KAGAYA FFIRST INSURANCE DI DAW…DI NABIGAY ADDRESS NILA MAY REF NUM. PARA MREADY NA DAW NILA DOCS NA PIPIRMAHAN KO…AT AFTER 15-20 MINS MAY TUMAWAG TERESA TAN…BAKULKOL DIN MAGSALITA …SA KNYA KO DAW KUNIN..DI INULIT KO TATNONG KO ULIT BAKA KGAYAA FFIRST DI DAW BASTA HAWAKAN KO VISA CARD MKITA LANG DAW UNG SIGNATURE KO O DI BA GALING..STRATEGY NILA BGAY PA CLA SILA NG CP NUM 09277647544…PARA ICONFIRM KO ?KAYA HUMANDA SILA SA AKIN BUKAS MAKAKARINIG CLA…MUNTIKAN NAKO AH…Thank you Lord , nkita ko itong site na to…KYA ANG MSASABI WAG MAGPAPANIWALA LALO NA ALA KA NMAN SINALIHAN RAFFLES
ang bagong addres nila 22 Floor – PPLIC REWARDS OFFICE
Unit 2201 RAFFLES CORP. TOWER ALONG EMERAL ORTIGAS. contact person MEL CONCEPCION AND TERESA TAN MGA BAKULKOL MGSALITA…
@katherine: yes ms kat siya din yun nasa cocolife na ngayon. sabi nya certified public accountant daw cya?totoo kaya yun?ay oo nga kasi umalis na siya sa pplic, pakiramdam niya babagsak na ang pplic.kasi alam nya bolok internal control ng pplic, kasi cpa siya. furhermore, mabilis ang turnover ng employees. could be 1 of manifestations of.. u know.. falling down. cc ko ang kinuha.d ako nakatolog talaga sa experience ko sa kanila. parang nahypnotize ako. naloko talaga ako
@@@ san ka nila naloko sang mall?
@@@ I doubt if he is a fellow CPA as the job is for “marketing people”.. I believe na walang CPA na gagawa ng ganun.. won’t you agree? kaya hinay2 lang sa paggamit ng “CPA”.. hehe
Natsambahan din nila GF ko last june.. the following day nakita nila katapat nila.. ID lace palang taob na manager kuno nila..
I’m an auditor by the way.. ^_^
ms kat sa megamall..ay ewan ko nahypnotize talaga ako. im a cpa. d ko nagamit yata pagka cpa ko. ewan ko bah
@duck yan pinagtaka ko kasi bat andun siya sa ibang “job description” if cpa cya???
pero saludo po ako sa inyo kasi napataob mo sila:) d tumambla hypnotism
@@@ napa cancel mo na yung sayo? yung akin nakuha ko lang within 2 weeks
guys nakita nyo naba yung page ng pplic sa facebook? pagkakita ko palang nasabe ko na WHAT THE F?
I just received this text message from this number 09156879801 “FINAL NOTIFICATION: Good day! This is MS MARIBEL ACOSTA, from Phil. Prudential. Your 3 Exclusive Rewards and Priveliges for free are still here in our office. You need to Claim and Activate TODAY. We are finalizing all the records of our recipeients who did not claim their rewards. For your claiming code that you will need to present upon claiming; you may call exclusively in our Makati office from: 9am to 5pm for further information. Tel (02)7551532 upon receipt of this message. Many Thanks and God Bless! (DISREGARD IF CLAIMED”.
Ang mga ganitong klase ng mga manloloko ang mga dapat na pinapatay para hindi na dumami ang kanilang mga lahi
isa rin q sa naloko ng PPLIC,nakakainis..nag punta aq sa sm kahapon request for cancellation, email dw aq ulit w/ signature…sana madali lng ang pagprocess at pgrefund ng cash nuh…worried aq bka hindi q makukuha ang cash q…malaking pera din yon..pinaghirapan q…dugo at pawis ang puhunan q d’n…I want my money back..
@keanne:sang sm ka naloko? dapat personal mo na dinala yung cancellation letter mo sa kanila.
@katherine: di n daw kayang maibalik ng buo yung money ko…huhuhu
@katherine: dito sa sm cebu, bukas na bukas dn dadalhin q dun…salamat ha! wish q lang mapadali yon pagprocess…
@che:bakit di na maibabalik anu ba nangyari sakop pa ba ng 15 day free look period?
keanne:sabihin mo sa kanila within two weeks i return nila yung money mo kasi yung akin nareturn nila tinakot ko kasi pero may plan talaga ko gawin yun.
Philippine Prudential Life Insurance Co. Inc.-yan po yung page nila sa fb….
good day po, naka recvd din po ako ng txt msg fm PPLI the contents is same as with Mr. Lito Bagano, ibang agent nga lang this time name, Ms. Shiela Reyes. Tinawagan ko po ang tel number na binigay nila 7551532, at yun nga halos ganoon din ang kanilang sinsabi, may rewards daw po akong dapat i claim sa kanilang office at insurance / educational policy at wala daw pong babayaran pero nilinaw nila sa akin dapat may dala akong Bank ID (credit card at ATM) at ng sabihin kong wala akong gnoong mga ID, sabi nila tawagan na lang nila ako ulit. as of now di pa sila tumatawag. Mabuti na lang na-check ko sa internet marami na palang mga story laban sa PPLI. Salamat sa Diyos at hindi ako napahamak.
“FINAL NOTIFICATION: Good day! This is MS MARIBEL ACOSTA, from Phil. Prudential. Your 3 Exclusive Rewards and Priveliges for free are still here in our office. You need to Claim and Activate TODAY. We are finalizing all the records of our recipeients who did not claim their rewards. For your claiming code that you will need to present upon claiming; you may call exclusively in our Makati office from: 9am to 5pm for further information. Tel (02)7551532 upon receipt of this message. Many Thanks and God Bless! (DISREGARD IF CLAIMED”. I just received this message today..buti nlng niresearch ko agad at eto ang npuntahan kong site..very helpful tlaga..
sa mag PPLIC grabe nmn kayo manloko..bakit kya di kayo maghanap ng ibang trabaho na matino..konsensya nyo ang kalaban nya jan..
basta makatanggap po kayo ng tawag or kahit ano sa pplic wag nyo pansinin.remember wala ng libre sa mundo ngayon……lalo na sa mga yan….mga walang konsensya….
guys comment din kayo sa facebook page ng pplic para malaman lalo ng pplic at ng mas marame pang tao….sana wag na payagan ng sm yan….bwisit yan sa mga tao..
guys i like nyo sa fb yung anti philippine prudential…
guys yung sa may mga fb comment din po kayo sa fb page ng prudential then like nyo yung anti philippine prudential
Hi guys.
Yung friend ko ng apply siya sa Prudential and shes telling me na mg apply din ako. But with everything na nababasa ko dito i dont know if i still should,,ayokong manloko.
nasa sayo ang desisyon nicolette pero kame rito tingin namen sa kanila mga manloloko nabubuhay sila sa ganyan binubuhay nila pamilya nila sa kasinungalingan…may karma naman kundi sa kanila ang tama sa pamilya nila
Hi Guys.. read this thread this morning lang.. Actually naloko din ako ng Philippine Prudential na yan last January 30, 2011 sa SM City Pampanga habang nglalakad lang kami ng Mom ko along Building 4.. Aambushin ka ng mga yan, ask ka nila kung may credit card ka, pag sinabi mong meron, sabay cocongratulate ka at sasabihin nanalo ka ng Wall clock, umbrella, etc.. May chance kapa daw manalo ng CAR kaya kami ng mom ko sumama sa knila sa Office nila malapit sa SM Event Center.. Pina-iwan pa ang mom ko sa lobby nila kasi ako lang daw ang kakausapin.. And then, para na ako nahypnotized bigla nalang ako napapayag idebit sa BDO acct ko total amount of 28,000.. Gusto pa nga nila ung 50k plus ang iaavail ko na plan, buti hindi ako napapayag.. ASK KO LANG, PWEDE KO PA KAYA IPACANCEL ANG PLAN KO? MORE THAN 6 MONTHS NA XA, and they’ll start to debit monthly the amount of 1,700 this august 2011.. HELP PLEASE..
4th Floor Equitable Bank Tower, 8751 Paseo de Roxas, Makati City 1227 Philippines • Tel no. 755-1500 • Fax No. 755-1518 – eto address ng Prudential na yan dba guys?
@iza:naku pahirapan na yan kasi lampas na sa 15 day. yung iba dito sinasabihan ng pplic na di na marerefund yung iba naman marerefund pero hindi full amount. kung gusto mo talaga sya macancel at makuha yung pera mo mag paassist kana sa insurance commission or magtanong ka sa lawyer kng ano pwede mo gawin. mahirap na kasi pag di na sakop ng 15 day free look period.
@katherine: long over due na talaga heheh lagpas na 15 day period….bad trip nga eh… tapos may tumawag from their customer service… inaway ng mother ko… tinanong kung pwede pa magrefund ang sagot nung nsa kablang line YES
@che:oo marerefund naman nila pero im not sure lahat.
Ms. Katherine: Thanks sa info! Punta ako later SM Pampanga para ibigay ang cancellation letter ko.. I hope makarefund pa ako ksi i need the money para sa panganganak ko.. Thanks!
@iza…nku wer same ngpunt aq kanina lng sa sm regarding or my cancellation sa plan, dn sabi 30-45 days pa dw ang processing dn subject for approval pa sa mgt…matatagalan pa tayong makuha ang money kun lapse na ang account mo..kakainis nga eh..wala aq magawa kundi maghintay..needed q pa naman san ang money ngayon..dn d na dw buo ang maibibigay nila kn sakali marefund…kaluka ang pplic…
@iza and keanne: mag pa assist na po kayo sa insurance commission or magpa advise na kayo sa lawyer kung ano dapat gawin lalo na kung malaking money ang involved.may kilala rin ako na nagpapacancel 6 months na ata wala parin ang refund.
grabe talaga pplic sa facebook naman nagkakalat ng lagim. may bacoor branch na sila ngayon ha!!!
grabe nasa robinsons malate ako kanina and i saw this philippine prudential sa mall na yan naalala ko punalabas nga pala ito sa TV bakit ganun nag ooperate pa rin cla at mukhang marami pang nalolokong tao
haha, asar to kanina ah, Philippine Prudential din un sa megamall, napadaan lang ako dun kasi hinahanap ko Fitness First, eh sa baba lang pla! umabot ng 2 hours ang presentation na dapat eh 45 mins lang daw, ayun buti nlang d ko pinaswipe credit card ko!!! feeling ko asaaar sakin ung supervisor dun, kasi tinulungan na nya ung presentor pra ipaswipe ung credit card ko! pero d tlaga ako pumayag, sabi ko me paggagamitan ako, pero medyo nakakahiya na kasi parang anlakas lakas ng boses namin pinipilit kasi nila ako but in the end d nila naswipe ung card at may free gym bag pa ko, un nga lang angpangit kasi may logo ng company nila! haha
hahaha tama yun.
@katherine: hello! pa help naman. naloko kasi kami ng friend ko kanina! they we’re just so persuasive na hindi na kami naka tanggi. pano po bah makuha ang refund? we need to get refund immediately kasi hindi kami taga rito. thanks!
@honey:..gawa kayo agad ng cancellation letter kung di nyo alam download kayo ng format sa internet? san ba kayo nakuhanan atm or credit card? then ipaxerox nyo lahat ng papel na galing sa kanila para kopya nyo. basta gawa kayo agad ng cancellation letter tapos bumalik kayo sa branch ng pplic na pinuntahan ninyo sabhihin nyo magpapacancel kayo ng policy nyo uutuin pa kayo ng mga yun sabihin nila babaan nalang kung ano ano pa sasabihin sa inyo bat ipapacancel basta direchuhin mo na icancel ang policy nyo at i refund ang pera within two weeks. wag na paabutin ng 30 to 45 days kasi may mga alam kamu kayo na nakakuha na ng mas maaga at bakit ganon pa katagal bakit kamo kasi aantayin pa tumubo yung pera sa bank? dapat wag kayo matakot sa kanila sila ang takutin nyo.kasi gagawin nila ang paraan para wag nyo icancel. sabihin o kung ganon ang process nila ng refund bakit may two weeks nakuha na yung pera? kasi akin two weeks lang. kung hindi kamu nila icacancel di kamo kayo titigil hanggang icancel nila bigyan kamo nila kayo ng assurance na irerelease nila ng 2 weeks.
tapos humingi kayo ng statement of account. nakalagay dun cancel from inception yata basta something like that…basta hingi kayo nun at ipaxerox nyo ung mga documents bago kayo pumunta dun kasi kukunin nila lahat yun.sasabihin pa nila di kayo pinilit tell them na alam nyo na ang modus nila and di kayo titigil hanggat di kumakalat yung mga panloloko nila….ipacancel mo na agad wag mo na patagalin kasi mahirap pag matagal pa…lalo na pag di na sakop ng 15 day free look period..
saang branch ba kayo naloko at saan po ba kayo?
@honey:anu nang nangyari?napacancel nyo naba?
Please help mo punta n sana ako bukas balak kn ipakancelled ung sa akin 2009 kce un nkbayad nko ng 11800 bale 460 amonth ang payments ko ayaw kn kce ituloy nung una gusto kn ipa cancelled kce dko kya byaran ung na credit nilang 9800 sa cc ko tapos nagbago down grade nlng daw. ngaun dapat july bayad nko ule. kso ayaw kn tlaga ituloy kce nga financial problem tsaka wla nko cc np cut kn dahil di ko mbayaran ung utang ko na kinuha nila…makukuha ko kaya ng buo ang pera ko please help me naman my letter nko na nagawa.
DON’T BE DECEIVED BY THEIR PROMOS OR OFFERS. BECAUSE THEY WANTED TO SELL INSURANCE FROM THE TIME YOU WILL GIVE YOUR CREDIT CARD OR ANY SAVINGS ACCOUNT. I WAS JUST A VICTIM YESTERDAY, 07/24/2011 JUST LIKE THIS. LUCKILY I HAVE NO CREDIT CARD BUT THEY HAVE CHECKED THE BALANCE OF MY SAVINGS ACCOUNT IN BDO. MEDYO KINABAHAN AKO AFTER KASI BAKA NAKAREGISTER NA YUNG ACCOUTN NUMBER KO DUN SA PAG SWIPE NILA YUNG SA BALANCE CHECKING. SO, I WENT TO BDO ROBINSONS TO CHECK IF MY CURRENT BALANCE WAS CREDITED. MABUTI NA LANG SURVEILLANCE FORM PA LANG YUNG NA FILL UP KO. ANOTHER THING IS THE CONSULTANTS OR AGENTS NILA DUN SA LOOB NG OFFICE NILA (INSIDE ROBINSONS PLACE MANILA 4RTH FLOOR MALAPIT SA BINGO), I TALKED TO ONE OF THE CONSULTANTS (FERDINAND)..NAPAKA IMPOLITE, BASTOS, WALANG MODO..HINDI SILA SUMUSUNOD SA TAMANG TIME LIMIT NG DISCUSSION AT WALA SILANG PAKIALAM. GAGAWIN KA NILANG BOBO AT TANGA. UUTUHIN KA PARANG BATA NA WALANG ALAM SA BUHAY.
LUCKILY, HINDI AKO PUMAYAG SA GUSTO NILANG KUMUHA AKO NG INSUANCE. TANDAAN NYO MABABAON LANG KAYO SA UTANG SA MGA GINAGAWA NILA SA INYO. MAS MABUTI PANG IINVEST NYO NA LANG PERA NYO OR IPUNIN SA BANK.
@mylene:im not sure po kung makukuha mo pa ng buo kasi andame kong case na alam na ganyan pero try mo narin patulong sa insurance commission baka matulungan ka nila
Isa rin ako sa mga nabiktima jan sa kanila…I’ve been paying my credit card monthly even though i’m abroad, pero this month i’ve send them several email that I will just send them a signed letter that i want to cancel my policy. I know that I will not get the entire money which is 52,000 php already but I’m hoping pa na to get some of it. Anyone who has a copy of nonforfeiture chart for that company?
hay nakakabwisit marame parin nabibiktima ng company nila…
I received a txt message from my new Sun cel # and it came from Philippine Prudential from Ms. Joy Lavalle. It was a final notification that I have a reward from them and she even provide their office number at Makati..755-1532.
I called them awhile ago and Joy Lavalle was not around so I talked to Raymart Antonio and my reward was a 2 year course from Datamex. Sabi nya may nag refer daw saken, I asked him who referred my name or my number and he said, he will only provide the exact name once I claimed my reward.
He said, just bring vaild ID’s and he even asked me if I have cc or atm card. I said, I don’t have any.
After the conversation, I knew it was a scam, my sun cel is my new number so only few people who knows my number…
I searched their company and I saw this site….
tama yan arnie good job girl
Hi guys! Isa rin ako sa navictim ng PPLIC na yan. More than 30 days na at for processing pa rin ang cancellation which i cancelled last june 27, 2011. I try calling them once in a while to follow up about the cancellation and they always tell that it’s still on process at tatawag nalang daw sila pag okay na. Kainis kasi I really need the money tlaga. May ibang way pa ba para mapabilis ang process nila sa cancellation ko? TIA
@KATE: Dapat po araw araw mo sila tawagan…..kasi tatagal pa lalo yan….kulitin mo ng kulitin
isa po ako sa recent na na biktima. im planning to refund my money tomorrow. Its not true na hindi sila nagppressure kaapag ayaw mo, i was pressured how many times i said no. pero so some reasons i was lured and manipulated. scam compute your nonforfeiture values core na bigay nila npaka baba ng balik. i invested 23, 107 yesterday. sept 1 mgeeffect yung monthly deductions for five years. 1610 ang deduction multiply by 120 (24 mos x 5 yrs) is equals to 193,200. plus initial payment ko na 23,107 a total of 216,307 in 5 years. sa policy yr agreement 93,663.50 ang pwede ko lng makuha. 216,307 (sum of monthly payments for 5 yrs plus initial payment) less 93,663.50 (amount you can get for 5 yrs) equals 122,643.50. yung 122,643 hawak nila for another ten years. after 10 years ko pa makukuha yung maturity na 175k 15 years agreement from the time the naghulog ka. Total contributions in 5years is 216,307 less 93,663.50 amount allowed to withdraw after 5 years equals 122-643.50 175,000-122,643.50 = 52,356 / 240 (24mos x 10 years) = 218.15 Kumita lang yung pera ng 218 pesos per month in another 10 years. 145.433 pesos per month ang balik skin in 15 years. what the fuck! misleading kse this was not even discussed with me. It is a scam! because misleading mga information. I hope makuha ko pa yung refund ko. please sa mga nakakuha ng refund, magcomment po.
kahit sino taong di magiinvest sa ganun katagal knowing less than 250 pesos lang ang balik. oh yes, insured ka nga di din naman ganun kalakihan ang makukuha ko base sa plan na kinuha ko. endowment policy. what a shame, i think its better magmeet po tayong lahat, ireklamo natin once again dalhin sa media para di na makapanloko pa.
im worried kse may video sila na i agree pwde nilang ilaban againsts skin para di ko makuha yung pera that i willingly agreed to them please guys help me. i still have 14 days
@angela:wala yung video na yun wag ka matakot dun kung ako sayo ipacancel mo na agad magdala ka ng cancellation letter at pumunta ka sa branch na kinuhanan mo ng policy. magsama ka wag ka pumunta mag isa. ipacancel mo na wag ka papayag na di nila icancel at wag ka papayag na 1 month irerefund ang pera mo kalokohan yun.
@katherine galing napo ako kanina pano yun sabi after 30-45 days ko pa daw makukuha, saka pa daw magrereflect sa account ko
@katherine galing napo ako kanina pano yun sabi after 30-45 days ko pa daw makukuha, saka pa daw magrereflect sa account ko.
totoong naghyhypnotize po sila. narealize ko sa constant hand shaking tsaka maybe sa mga drinks na inooffer nila. experience ko lang yesterday. everytime sasandal ako sa upuan ko ngrerefuse yung agent. mam lapit pa po tayo ng konti she said, to think yung pgsandal sa inuupuan ko is malapit na para mgkaintindihan kami. ewan ko ba for some reasons too, sunod naman ako. tpos hand shake na naman. khit wlang kwenta na at out of the context na yung sinasabi nya nag aask sila for handshake. Suspicious kse kse may time na binigay ko yung left hand ko pra mghandshake nagreact yung agent sabi bkit kaliwa dpat daw sa kanan kamay ako makipaghandshake. i did it again sa kaliwang kamay ko binigay tpos may napadaan agent na lalaki ay si mam sa kaliwa nakikipaghandshake, offer your right hand mam tinatamad po ata kayo, so i did handshake ulit using may right hand. Like others nawala din ako sa sarili ko. i even forgot ksama ko 7 year old daughter ko waiting for me. fyi 3 hours yun na nwala sa isip ko may kasma akong bata. like others, i swipe my BDO auto debit card nakuha sakin 23,107. pag uwi ko ng bahay nahimasmasan ako at tama nga hinala ko. sa ngayon nakapag file na po ako ng letter of cancellation kso after 30-45 days ko pa makukuha. my bad din i forgot to photocopy all the documents na kinuha nila. pano po iyon. i suggest everyone na mgkaroon po tayo ng mini get together, magkaisa po tayo idulog sa media ang ganito scheme. mali po yung way of pursuation nila. misleading info di tlaga naintindihan ng mga client dhil under ng kung ano mang hypnotismo o gayuma, whatever is it may sa demonyo sila. i know mahirap icontest na may nagaganap na hypnotismo o kung ano mang tawag yun pero base sa experience ko i now believe na mayroong nagaganap na ganito. sobra akong nastress, at di nakatulog kagabi. FYI Sm Pampanga po ito ngyari. nga pla nung nagpunta kmi kanina sa office nila to file a cancellation of policy nakipagkamay na nman c manager. i was hesitant na kse nadala na ako. inoffer kmi something to drink pero we said no. at the middle of conversation inoffer na nman kmi something to drink we said no again. tpos nung paalis na lang sya to photcopy daw yung letter of cancellation inoffer na nman kmi something to drink. napa ka spooky kung iisipin 3x kmi inask something to drink sa loob ng 5 mins conversation lng. hmmmmpp coincidence lang nga ba or tlgang may something? in fairness mabilis lang yng pag file ng cancellation. ksalukuyang po nghihintay maibalik ang perang pinaghirapan ko. sad story, lessons learned, nakakahiya man at nadenggoy ako.
may nabasa po ako na link using using handshake to hynotize, malamang ganito ngyari sakin dahil nawala ako sa sarili ko http://ezinearticles.com/?The-Handshake-Induction—Mastering-the-Art-of-Rapid-Hypnosis&id=785786
OMG watch this video guys. since 1997 pa pala ganitong scheme una plang name ng lintik nito Berkeley Plans. http://www.youtube.com/watch?v=_CE1qsAxBTM
ito pa guys meaning hindi totoo 48 years na ang company kse 1997 sya naestablished. Tsk tsk dapat isumbong na talaga ito sa kinauukulan http://www.bestjobsph.com/bt-empd-leofox.htm
I was a victim for this Philippine Prudential Life Insurance. Last August 1, 2011 a person call me through my landline and inform that I have one a computer and a educational plan. The prize tempted me so I rushed and went to their office with my sister. I went in Keppel Bldg near Ayala. My sister and I went directly to their office third floor room 308. A sales agent waiting for us. Talk about the prize that I have won. The have given us a coupon and inform that it will be draw this coming December. The coupon worth P50, 000. The sales agent presented us another price, which is the educational plan in Datamex for a two years. All we have to do is pay the miscellenous and the rest is cover by them. I though, I was luckiest person at that time. Then the sales agent presented us the life insurance told us about the benefit that we could get. Tell us a great story about how great their program and we will be insured in the near future if we join it today. The sales agent told us their promotion will last just today and didn’t give us time to think. My sister and I amazed by the benefits that we can get. The sales agent told us about life insurance, health insurance, accidental insurance, housing loans and educational plan all in one package. All I need to do is pay the insurance annually. They said that it is like saving your own money for the future. However, your money can’t be touch because it is a discipline savings. It is like planning a future ahead of you. I though that since it is online transaction it can be cancel to you right away. So I have said “Yes” to the program not knowing the circumtances that it may bring. As I have went home my mother scolded my sister and me. My father told that the program was a scam and it is part of their marketing strategy. My whole world have crashed because I already big bucks to get the insurance. I was really disappointed to myself and the people who trick me just to get some money. My sister and I go back to the office to cancel the program. But it the sales agent has not arrived yet the one we have talk yesterday. We have waited about 2 hours for her to arrive. They have talk to us and inform that they can’t easly cancel because they need ask an approval from their management. Even though I have been crying in front of them they won’t make any exception. As they have told me they are also depending on the management decision. They need to follow what it stated in the contract and it is their policy. They are such a liar. I have given them my money in just a minute and now they can’t return it. They are going to return ¾ of what I have paid. This is such RIDICULUOS!!!! They are trully are scammer! They tell nice to people so that they get money. I will only receive the credit back from 30 to 45 days. This is the worst things that have happen to me. So whomever of you people got victimize by them please speak out right now and post your complaints. Now I am worried about my bank account because they might hack it. Be aware of this people. Know them well first before you trust them. I have learned my lesson but I could never forgive those people who trick for money. They are such a shame!
Hi Janet, did you ever submit a cancellation letter? You should go directly to the manager or supervisor yung mga agents liars mga yan, all they think is their commission. I searched and study very well about this incident, i admit what i experienced with them is the most traumatic part i ever had in my whole life. I can’t contest that i was hynotized or whatever medium, (the constant handshake for no reason at all) they used to pursuade me, i know it is a weak alibi. Pero yung pagppressure sakin at pamimilit na naganap nung araw na iyon ay malinaw na nangyari. Salamat sa blog na ito madami akong napulot na tips, kung ano ang unang gagawin. Salamat syo Mr. Arpee. I also found out that since 1997 pa ang ganitong scheme. The former company name is Berkley Insurance Company Inc, according to Probe Team. http://www.youtube.com/watch?v=_CE1qsAxBTM. Twice na nafeature sa TV, Ilang beses na din nagpalit ng company name because of bad reputation. I suggest that we all join forces. Ireklamo sa media para matigil na ang ganitong panlilinglang. I’m still waiting for my refund, although positive nman mga comments dito na naibalik money nila im still worried, i don’t trust them anymore. Im encouraging everyone to standout dumadami ang victims.
@ANGELA: yung akin po kasi nakuha ko within 2 weeks lang yung tita ko yung kasama ko at nakipag usap. hindi sya pumayag ng 30 to 45 days. nareleased naman ng 2 weeks kasi kalokohan naman yun kung pwede naman nila irelease ng maaga. saan po ba kayo kumuha at sa atm po ba kayo nakuhanan or credit card?
naiinis ako andame parin talaga nabibiktima ng mga yan mga hayop…. nag iisip na nga ko ng way para makaraating sa media yan badtrip….
katherine – hi! pasensya na, ngayon lang ako naka balik dito. yup, napacancel na namin pero di namin nasabihan na dapat within 2 weeks lang. bumalik agad kami after 24 hours. sa megamall kami. maibabalik na man yung pera diba?
@honey-oo pero patatagalin kasi nila yun hanggang sa magkalimutan na may mga ganun eh so dapat kulitin mo sila sa pagtatawag lalo na sa email kasi ganon ginawa ko eh kaya 2 weeks narelease na ung akin agad.
san address ng office ng phil prudential life insurance
@ Katherine. through atm po yung akin, auto debit BDO. Matibay ba na papers yung hawak ko. Yung ginawa kong letter of cancellation nilagyan lang ng note sa ibaba, na may nagrecieve tsaka date. nka note lang din 30-45 day charge bank. Statement of account na may nakalgay cancelled upon inception and photo copy of OR. ngwoworry ako baka di na mabalik pera ko ngpacancel naman ako within 24 hours bkit gnun katagal ang pg process. may email po ba kayo. Sa SM Pampanga ako nabiktim, wlang tel number na nalagay even email. I went to public’s atty kanina sa sobrang depression ko kse di nman biro yung kinuha nya skin, di nman kami mayaman. 23k is something. sobrang nakakastress. Sbi skin if makakakuha ako ng copy of agreement maganda para mapalhan sila ng demand letter. Unfortunately, i already submitted everything to that fucking insurance company nung day ngfile ako ng cancellation, di ko napa photocopy mga papers i didn’t expect kukunin nila yun. meron po ba sa inyo may copy ng agreement?
@ honey: pwede ko ba makuha yung email address para makulit ko din sila. kindly help me please, here’s my email add nyl_amen@yahoo.com
SCANNED DOCUMENTS REGARDING THIS TRANSACTION WILL BE POSTED IN THE COMING DAYS HERE.
Hi, I’m from Davao and last week a woman named MELDRID called and told that I have free certificates that can be used to pay for laboratories, medicines etc. and said I would need to go to Phil Prudential Life Office located at PRYCE TOWER 6TH FLOOR and 3 Id’s to get it.
So I went there and they assessed my requirement which i gave them, 2 IDs and a credit card (I carried it that time). Then they said that I can avail of the ANNIVERSARY PROMO that they had & I was given around 15 coupons for a chance to win P50, 000 that I would fill-up & drop in the promo box.
I was really interested and an agent offered me to proceed to the room where she would explain the “mechanics”
Before the conversation began, she asked me to fill up a form that asks what are my goals. After filling it up we talked.(summarized transaction)
agent1: so your goals involve looking for a job and having a family
me: yes
agent1: but those things are uncertain, death is uncertain, you must be secured so that the family you hope will be secured
me: but I have no family yet, I need money to feed myself first
agent1: the money you will save is small and won’t affect your current budget for expenses. What do you like it to be: P50 a day or P1000 a day.
me: ok, lets try P50, how will the computation go.
agent1: goes to computer and submits a schedule of payments, premiums etc.
me: P5,000 per 3 months is way too much for me since I have barely enough money to sustain myself. I will have to allocate some of my budget for my food, water, utilities etc. to pay this policy.
agent: there is another way for you to avail this buy not using cash but instead your credit card.
me: I will really have to think about this because I primarily use my card for online purchases for my little business and I wanted to cancel this card due to BDO & Mastercard problems.
agent1: goes to the computer
agent2: (out of nowhere), sir please sign.
me: (now here is where I thought where I would get my “free certificates” and DID NOT READ the paper he gave to me. So I signed the paper and later did I know that it was a WAIVER. A waiver that allows them to deduct from my credit card to pay for the policy.)
agent1: (back on scene); May I borrow your credit card sir?
I was already helpless here because I signed the waiver and this agent quickly went to charge my credit card. She came back quickly giving me my receipt and I signed it.
Feeling helpless since they already deducted from my credit card went on to complete the forms. I was a bit low from this time because I was scammed but I knew I can ask them FORMALLY to cancel my policy with a little research.
I searched the net for days and followed one instruction on how to cancel the policy and get them to refund.
After a couple of days, I went to the office, gave them my cancellation letter and asked for a full refund.
At the office, Agent1 was a little surprised that I came back to the office. I gave them the cancellation letter and asked them to fulfill it. She was a little teary eyed here by then, went to the manager’s office and asked for advice.
As a way to blanket the conversation of the manager and agent1, the front desk played a commercial of the firm and set the volume to high. I however, moved closer to the door where the conversation took placed and distracted the front desk by asking for DTI business plates, names etc.
After 3 mins. Agent1 asked me for an “evaluation of my reason” for a bout 30 mins inside the same room which took place before. I quickly said to her that the conversation can took place here and asked for what kind of evaluation. She gallantly explained that the explanation for why to cancel would need to be clarified.
*A clear delaying tactic here and the manager gave this order to the agent. And probably gave her 30 mins to make me undo my decision*
Me: Ok let’s go, your 30 mins starts now.
After an HOUR at the room, all her explanation succumbed to my explanation that I cannot pay for the policy and I would not have enough money to pay for my credit card,food,water, shelter due to this.
She then asked me to proceed to the Manager’s office where the FORMAL request of cancellation will be accepted. (This is probably their last choice of convincing me to retract my decision.)
(SUMMARIZED TRANSACTION)
Manager: So your reason is that you cannot pay for this policy.
Me: Yes, that is my reason.
Manager: Let us compute your budget for food etc.
Me: *shaking head* No, I dont want that anymore. I had computed it a couple days a go. I don’t have enough resources to pay that policy. And I wish to TERMINATE the policy.
Manager: We cannot terminate your policy, only after a year of payment.
Me: *shows printed copy of Pre-need Act of the Philippines* But it says here that I can cancel my insurance whenever I want. And I have not read in the policy any mention of TERMINATION nor CANCELLATION. If there is so, please underline it for me sir.
Manager: Oh, so you mean CANCELLATION. We have a different meaning here in the firm regarding TERMINATION and CANCELLATION.
Me: Yes, What I would like to ask of you is the cancellation of my policy and the full refund of my initial deposit.
Had a long discussion here regarding mismatch of savings and expenditures and lengthy explanation of my reasons. But they gave up here at the moment.
Manager: I understand sir. Please give us 30-45 days to submit this to the head office and cancel you policy and refund the amount.
Manager left the office, and the agent, a little teary eyed left too. After 5 mins. An employee gave me the cancellation letter copy that was signed by the Manager.
So here I am, waiting for for STATEMENT OF ACCOUNT with printed CANCELLED. And will call them every week to follow-up on the request. They assured me of 30 to 45 days and I am satisfied with that. If however they still did not cancel my policy and refunded the payment, I will surely take legal actions against them and I will give our mayor; MAYOR INDAY SARA DUTERTE a letter regarding the situation.
i am one of those who received the message but luckily i was able to search this site, good! i’l be planning to go to their office on saturday!!!! It was a certain harmon santos, i dont know if it was just used, but i saw him on fb he really works at pplic, y dont u guys search for yourselves, there are lots of my coworkers here who were victims of this insurance, and they couldnt do something to stop it!!! well, how could you sleep guys for doing such a fool thing!! TULFO help them please!
hi there! hindi lang sila sa manila naghahasik ng lagim, pati na rin dito sa laguna!
a certain sheryl basbacio from philippine prudential life insurance robinson’s sta. rosa laguna branch called my land line number and informed me that i won free insurance from today until i turn 60 years old AND a college scholarship for my child (which is transferable if i can’t use it). wala daw akong ilalabas maski singko when i claim my prizes. gandang pakinggan!
then i asked – how did i win? how did they get my number? she answered – their company asked daw from banks (talaga? dito pa lang medyo fishy na pero ngayon ko lang na-realize…) to refer names and out of the 1,000 names these banks referred, i was randomly selected to become one of the lucky 48.
and then she asked me if i have 3 valid ids. i said yes. do i have a bank id daw. sabi ko i don’t have a credit card. kung meron daw ba akong checking account o atm. sabi ko i have an atm card. okay na daw ang atm card, and my employment id. (eh hindi ba mas valid ang government-issued ids than an employment id?)
and then she asked me when i can go to their office to claim my prizes. sabi ko within the week. she gave me a security code na importante raw when i claim my prizes. ang hihingin lang daw niyang kapalit ay 30-45 minutes of my time to listen to her presentation. sabi ko okay.
after our talk, nag-text pa at inulit ang security code ko at to confirm my appointment on friday. ang galang pa ng text message.
thanks and praises to God i came across this blog. i felt kasi na it sounded too good to be true. and voila, it was.
Had a message a while ago claiming they are from from Benlife (www.benlife.webs.com), claiming I have 3 fully paid VIP benefits (whatever that is) ready for release. I searched for them and found this site.
I guess they will try to sell me insurance (or force me to buy), like the stories on this site.
thanks for the info guys
sa lahat ng ngcocomment po dito tandaan nyo lahat tayo mamamatay din pagdating ng panahon….isa kana don katherine, at saka ang mga sasakyan mo mabubundol…ang masama pa wlang kamag-anak ang tutulong sayo…magiging baldado ka…hahaha!!!di kana aabutan ng december ngayong taon….
@KAMOTE KAU:ULUL ISA KA NA NAMAN SIGURONG TAGA PPLIC NOH BAKIT NGAYON KA LANG NAGCOCOMMENT DITO GAGO KA PALA SABIHIN MO SAKIN NG PERSONAL TINGNAN KO KUNG DI KA MANGHIRAM NG MUKA SA ASO…YOU ASSHOLE…..WOW DIYOS KABA PARA MAGDIKTA KUNG HANGGANG SAAN NALANG ANG BUHAY KO OMG!!!!!! NAKAKATAWA KA YOU PATHETIC LOSER!!!!!!!!!!! INAAWAY MO ANG ISANG BABAE BAKLA KA SIGURO…..BAKA IKAW DI KANA SIKATAN NG ARAW AT ISANG ARAW MABUNDOL KA MAGKASIRA SIRA ANG MUKA MO WALANG MAKAKILALA SAYO KAWAWA KA NAMAN NAKAKAAWA KA GINAGAMIT MO PA TONG SITE….HAY MAHIRAP TALAGA PAG MAY MGA TAONG KATULAD MO BOBO
BOBO KA BOBO…..PAG NALAMAN KO KUNG SINO KA KAKAININ MO LAHAT YANG SINASABE MO….ULUL HAY NAKU NAHAYBLOD AKO ANG BOBO KASI KUNG GALIT AKO SA PPLIC WALA KA NG PAKEALAM KANYA KANYANG OPINION YAN.NAGAGALIT KALANG KASI TAGA PPLIC KA!!! MAS NAKAKAHIYA KASI NAKAKAPAG SALITA KA NG GANYAN SA KAPWA MO…PAG NAMATAY KA DIRECHO KA SA IMPYERNO.. KASI PO KUNG MAGCOCOMMENT KA DITO DAPAT MALAKAS LOOB MO ILALAGAY MO YUNG TUNAY NA PANGALAN MO DI YUNG MAGCOCOMMENT KA NG GANYAN TAPOS ILALAGAY MO ALIAS TAPOS GANYAN SASABIHIN MO BAKLA LANG YUNG MGA GUMAGAWA NG GANYAN….BAKLA KA NGA SIGURO WAHAHA RIN PAG BUMAGSAK YUNG PPLIC MAGPAPARTY AKO NG BONGGA!!! INVITED KA!!
NAKU SIR ARPEE TAGA PPLIC PO BA YANG UNGAS NAYAN? LAKAS NG LOOB MAGCOMMENT. MAGCOMMENT KAPA ULI DITO SANLIBONG MURA AABUTIN MO SAKIN. BAKA SAPAKIN KO MUKA MONG GAGO KA
makakarma din ang mga taga PPLIC.mag manloloko!
hay oo nga po….napagsabihan tuloy ako ng mommy ko sa kamote kau nayan…pinatulan ko padaw. bwisit kasi…iba talaga pag nauunahan ako ng galit…sa totoo lang di ako nagagalit sa mga sinabe nya saken. nagalit ako kasi naisip ko yung pinagdaanan ng mga taong naloko ng pplic…kasi naranasan ko rin yun eh…yung napakalaking halaga ng pera bigla nalang mawala sayo tapos pahirapan pa bago bumalik sayo..swerte na nga lang ako kasi mabilis bumalik saken. eh pano yung sa iba na antagal na bago bumalik. may nakilala ko dito na nagmeeting pa sila sa ins commi para lang mabawi yung pera nila. imagine yung pera,stress physically and emotionally ng ibang tao. hindi man lang naisip ng mga yan..sabagay manloloko nga eh…hay naku basta ako kung ano yung ginagawa ko dati tuloy parin. hindi kasi ako selfish na tao gaya ng mga taga PPLIC…
hi to all! so fraustrated. ngaun lang ako ngresearch about philippine prudential kahit na may doubts ako noon pa. last march26 nung nasa sm megamall kami ng sister ko at parehas ng experience nyo, pareho kami na-charge-an sa credit cards namin for the insurance policy.. sa sobrang bc sa work,ngaun ko lang ni-review ung policy at naisipan kong i-research itong prudentail life.. sa matagal -tagal na din…possible pa bang ma-cancel ko ung policy namin at ma-return ung mga na-charge sa credit cards namin? please help… =(
@jael:naku gano napo katagal?kailangan na po nyan insurance commission. mag email na po kayo agad.
meron ba dito na na-refund ng full amount ung binayad nila kahit na lampas sa 15days period? for a 4-months period, ano ang chance na makakapag-refund ako? thanks. please do help me..
@katherine: 4months ko na nahulugan ung policy ko.. ano po ba mas maganda? i-email ung cancellation letter or personal na ibigay sa PPLIC? baka kasi matagal mag-reply sa email… please help..
kaninang hapon naglalakad kame ng mommy ko sa Star mall sa may shaw.Pag pasok palang namen may girl na sumalubong samen from PPLIC nanalo daw kame ng raffle. sabe ng mom ko pplic oh! then may tinawag syang bakla lumapit saken
BAKLA: Mam pansinin nyo ang bakla. nanalo po kayo ng raffle
MOM: Ano bang gagawin dyan?
BAKLA: Wala Mam libre to promotion lang ng company namen.
MOM: yan ba yung nababasa ko sa blog ni Arpee Lazaro?
BAKLA: nino?
MOM: Arpee Lazaro!
nag frown yung muka ng baklang taga pplic then sabe nya try lang daw namen para maprove na mali yung nasa blog di na namen pinansin tapos nag walk out ang bakla…hahaha hindi na nya kame pinilit nung narinig nya yung about dito sa blog. pero nung una mapilit malayo na kame hinabol pa talaga kame. natatawa ko sa itsura ng muka nung bakla kasi sumama talaga yung itsura nya hahaha…tawa na lang kame ng mom ko.
@jael: mag email nalang po muna kayo sa pplic then magpatulong nalang po kayo sa insurance commi kasi hirap na po nyan eh kasi nakakapag hulog na po pala kayo. kasi malabo na po ata marefund yan ng buo tapos pahirapan pa. bakit nyo po gusto ipacancel napilitan lang din po ba kayo mag avail ng policy nila?
@angela. ndi nmn prudential yun e. berkley yun. I’m also a policy owner of phil. prudential since 2009. If you will see it as a savings mejo mag iicp k tlga, pero kung sa insurance side, ok nmn yung insurance nila. Dpat alam din ntin ung importance of having a life insurance.
@katherine: kaya ko nga nareview ung policy nya recently kasi balak ko na talaga sya i-stop, saka lang ako ng-research dito sa internet at nabasa ito. in a way napilitan kasi limited time constraint, u have to decide kung kukuha ka o nde. maganda ung insurance policy kaso not the right time to invest kasi may iba pang financial responsibilities.. and now because of fast decision, my dilemnas of paying it monthly is such a burden..the agent says one time chance lang un convincing me, sabi ko pag-iisipan ko muna…tapos try daw kung maapprove ung credit card ko… tpos ganun na nga like other story in this blog…
@jael: email nalang po kayo sa pplic and ic un lang po yung maiaadvise ko sau. tingnan nyo po anu sasabihin ng ic.
Hi,
I just want to share my experience. My little sister and I went to a wedding exhibit in Megamall last Aug 13, 2011. So while busy scouting suppliers, this gay guy called my attention and told me if I’d like to get some free gifts. Well, I’m not one to say no to something Free.
So I filled out a form and he asked me if I had a credit card. (I started smelling something fishy then.) But the question caught me off guard so I said yes.
So he went on to say that he’s giving me free gifts and that he did not ask any money from me and that all I had to do was attend a 45-minute presentation from PPLIC (which he said was different from Prudential Life). He also said I didn’t have to finish the whole presentation. So I thought, why not, if it got boring I could just leave. So I chose my gifts and was surprised that we had to go to their office somewhere outside the exhibit. Dito medyo tumaas na kilay ko… But I’m not more of an introvert kaya di na ako nakapag reklamo. Actually, I’m the kind that has trouble saying NO…
Kaya me and my sister were dragged to their office where we sat and waited for the agent that was supposed to give me the presentation. The gay guy kept whispering to us that I should not sign up for insurance. I laughed coz he was funny the way he kept telling us not to believe whatever I was told. At the same time I felt that he was not really a good employee to be saying such things. Like no loyalty to his company. But I’m thankful because he gave me an idea what this was all about. That I was about to be sweet talked or pressured to buy an insurance plan…
I finally got to talk to my agent who brought me to another room. It was a big room and I saw all these agents talking to clients in different tables. And there was this mini office at the end of the room that had seats which looked like cashiers or something. My agent is very good at small talk. Trying to connect with me and my life. He’s really good. But I was being sarcastic and showing disinterest because I really wanted to go back to the wedding exhibit and book suppliers!
Siguro nahalata din nung agent. Kasi when he asked if I was contented with my life, I gave him a smile and said YES.
I told him that I really needed to go. He asked for 10 more minutes or else mabibigyan daw sya ng memo ng manager niya… naawa naman ako so I let him go on. Kasi I noticed at another table, this older guy walked out angry and the agent assigned to him was approached by the manager. So I thought, bigyan ko sya ng onteng time pa para di naman sya mapagalitan. So I kept telling him to hurry but I kept the smile on my face in case makita kami ng manager niya. So while he kept talking I just kept saying yes but observed the whole room. I saw this boy that looked like he was still in college or a freshgrad… he went to the end of the room and was actually punching in his pin code… And I’m thinking I’d better get out of here soon before I find myself in a situation where I can’t say NO… So I made an excuse na I really really need to go. And he looked irritated after that. He said ok, you can go. The door is wide open. So I said I was sorry, and he said sya pa nga daw dapat mag sorry kasi he wasted my time. He looked a little sad na and a manager approached our table, she picked up the paper that I filled out but as she approached I stood up para di na niya ako kausapin. I got out of there as fast as I could. haha. Good thing that my sister was able to get the free gift and she asked me why I didn’t do the raffle thing for the car and I told her that I didn’t finish the presentation kaya di na nila ako pinasali.
Yan, mahaba and useless ang kwento ko for those that want to cancel the plans that they were pressured to sign up for. Pero I just wanted to share my experience and instead of putting it on my blog, I just decided to put it here since madami nag visit sa site na ito (and wala masyado nagvivisit sa blog ko
haha)
I just want to say that Arpee did a great job here to expose such a dirty marketing strategy that these people practice. And this is also a great help to those who need to find out how to get their money back. The insurance plans and the company are legitimate but their practices are not. If you really need the insurance and have the money to spare then good for you. It’s unfair to those na like me have a hard time saying NO and can be easily pressured into doing things lalo na pag madami na mga tao mag tutulungan to get you to say yes. If not for my “I have to go” tactic, I’ll probably be one of the people looking for ways to get my money back…
i received a call claiming he is from prudential bank, telling me that i havent claim my giveaways—an educational plan with AMA and STI….
what upsets me is that, he knows my informations like my address, my birthday, my telephone number and my spouse.
sorry i mean prudential life not prudential bank..
grabe binitawang salita ni Mr Kamote Kau. halatang halatang isang bakla mula sa PPLIC. kung ikaw ay tunay at may mabuting loob, gagawa ka ba ng isang kasinungalingan para tumulong sa kapwa. Ang pamimilit ba ay isang uri ng pagtulong? Napakaraming insurance company dyan na hindi mo na kailangan mag bayad ng initial payment of 10k and above to avail a policy plans. Yes, the Insurance or the product itself is legally existing but come to think of it, there are lots of insurances who offer great deals than PPLIC. Far greater offers than this PPLIC. The problem with this kind of scheme is Insidous-Marketing Strategy. In a way scam pa din maituturing dahil nanloloko kayo ng kapwa. If kusa lumapit sa inyo mga tao to avail your plans there will be no problems. Ang kaso, manloloko kayo and you take the advantage of people’s weaknesses. Swindling ang tawag dyan. Hinay hinay ka sa mga sinasabi mo Mr Kamote Kau baka bumalik sayo.
sorry for the mispelled word insidous it should be Insidious
person wanting insurance will require on their own, the prob with agents of PHIL. PRUDENTIAL INSURANCE is that they deceived people like offer prizes and then asking for their credit card for verification BUT THEY SWIPE IT WITHOUT NOTIFYING THE CC HOLDER EVEN ASKING TO FILL UP A FORM ONLY FOR COLLECTING INFORMATION BUT UNDERNEATH WHERE YOU SIGNED, ITS ACTUALLY AUTOMATIC DEBIT FORM, thats the reason why lot people are pissed off, its not the insurance itself ITS HOW THEY SELLING< THEYRE DECEIVING PEOPLE IN ORDER TO SELL, and when the person wanted to refund, imagine how much money and esp TIME been wasted just bec of their DECEPTION
according to insurance commission if an insurance company did not tell the person what he's selling at the first place, added that the paying of the policy been forced like swiping your credit card without notifying you that youre actually PAYING ALREADY THE POLICY, then the insurance company actually violated the law, hence their LICENSE CAN BE REVOKE, so its better to complain to IC, so the wrong doings will be corrected, and to protect others as well
naloko di ako last sunday(aug21) sa sm north, ewan ko ba, kahit ayaw ko, napapirma at napa swipe cc ko worth 49030..@#%&! ipapacancel ko yun, kahit magdala ako abogado. wala pa naman 15 days, sana lang wala bawas. magsama sama tayo, para matigil na pangloloko ng mga @#$& yan
@edward:magkano po nakuha sa inyo?49 thou mahigit? napacancel nyo na po? pacancel nyo na agad
ive just experienced this hell thing/. i really got pissed off. pero hindi dahil naperahan nila ako. pero dahil nkakaiirita yung nkausap ko jan!! wala na ba silang mpagkuhaan ng pera?
sayang lang ng panahon ko!! and please!! ang baho ng mga hininga nila!! francis villa something ung name niya! Branch Manager (maybe gusto nya lang i-establish credibility nya, coz i told them im working in a bank) daw ng banko tatay nya, UP Graduate!! (wala sa itchura! yuk! kc i also told them i went to a private school) kapal noh.. feeling gwapo! baho naman ng hininga at dear feeling close kung makadikit!
it started this way. im walking in st francis sqaure when some kind of bading ask me na sumali ako sa raffle nila, pagnahulaan ko daw ung combination (8 digit ) mananlo ako HONDA CITY> at trip to macau! Bsta ang kapalit, if manalo ako, ipagkakalat ko nanalo ako bcoz of PRUDENTIAL LIFE INSURANCE. waaaaaaaaaaaaaa!!!
all u need is a credit card. mastercard daw ba yan o VISA?
excuse me? bakit nyo un tatanungin?> kelan pa kinaylangan sa raffle ang credit card>?> pero cge … kc mukhang mbait ung bading!!
sinama nya ko sa 5th floor ng SM MEGAMALL. tapos tinanung kung kelan expiry date ng credit card at wen last ginamit (to know if active pa…RED FLAG!!! waaaaaaaaaaaa!!! iba na talaga to!)
after that pinapasok nako sa room with tables.. some A-hole guy named francis presented me their co’s achievement and etc. BLUFF! marami din silang naloloko dun.. papakita nila ung award nila (super brand daw!! CHOS!!!!!!!!!! me picture padun si GMA, sbi daw ni GMA OK daw product nila!! meron din sila post dun quoted by efren penaflorida, na OK daw ung product nila!! the exact words he told me is “sabi ni efren, thumbs up daw sila” YUUUUUK! kakaawa mga tao to!! etc blah..
then me form sila ipapafill out, dito na talaga ako ng duda kc they are asking for my mother full maiden name. excuse me? FYI. this is a very confidential info. lalo na pag credit card transaction ang ggwin mo/ so i told him, d ko na ttapusin. gutom nko.
and in fron of him, i tore the raffle coupon.
ung name ng nasa st francis… angelito tejano.. medjo bading xa.. sa gabi daw angel locsin name nya. pathetic.
sayang ng future nila.. at their age… they are being trained to become fraudsters or fraudsters na nga sila.
im writing here to let people know, take care of your confidential information.
credit card no.
CVC code (the last 3 digit at the back of your credit card)
expiry date of credit card
mother’s maiden name
date of birth
If you’re one of the many unfortunate people who have been convinced to get an insurance policy from PPLIC (Philippine Prudential Life Insurance Company) but wish to cancel it, below are just some of the steps that I have taken for faster cancellation of my policy and get my refund from the said company.
How to Cancel PPLIC Policy and Get Refund
1. Go to the branch where you got your policy and submit a Letter of Cancellation stating your reason for doing so. Again, the sooner you have the policy cancelled, the soon you will get your refund.
2. Have your cancellation letter received by the manager and get a copy of the said letter. Make sure that you keep a copy of all the documents that you surrendered and let them sign the document as they receive so you will have a proof that they actually received it.
3. Request for a new Statement of Account which states, “Canceled upon inception”.
You will also receive a letter of confirmation that your policy has been cancelled (as per requested on your letter of cancellation) several days after the documents have been forwarded to their main office (especially for those who are in the provincial areas).
4. File a dispute report to your Credit Card Company and attach the Statement of Account and Cancellation Letter. This will ensure that the amount would not be credited to your bill.
For Those Who Paid through Debit Card (ATM) or Cash
You simply need to follow almost the same procedures except the fourth step. Instead, you will need to withdraw all the money you have left on the account but do not let the account close! (You will need it because it is where they would refund or charge back your money).
In my case, my ATM card is where my payroll is so it’s kinda difficult to control the cashflow income in the ATM account unless I try to talk with our accounting department about putting my salary on hold as to prevent the PPLIC from deducting monthly premiums from my account anymore. If you’re not into such situation, then you would only need to wait 30-45 working days to get your money refunded to your account or charged back to your credit card account.
HOW TO REFUND YOUR MONEY IN PPLC CAGAYAN DE ORO BRANCH AND HOW TO DEAL WITH THE MANAGER/AGENTS.
Share ko lang yung experience ko kanina sa pag refund. I brought my letter of cancellation with me.Yung gay na manager was so mean.Hope this helps!
MANAGER: bakit niyo po irerefund?
ME: Kasi I dont like the insurance, and your agent deceived me by saying na checheck nya lang yung atm ko if “ok”, yun pala chinarge na agad. I asked her kung pwede irefund, hindi na daw kasi na charge na.Ang sabi pa sa akin, sige lang mam mababawi mo naman yung 6000 agad sa sweldo mo!
MANAGER:Mam kasi may pinirmahan ka nang “debit credit charge” allowing us to charge from your atm. Inexplain niya naman diba na mag mi minus kami ng 6000 sa atm niyo. (PINAKITA ANG DEBIT-CREDIT CHARGE NA may PIRMA KO)
ME: Yes she explained but she did not asked my consent sa pagcharge sa atm ko, sabi niya chi check niya lang daw kung available yung card.
MANAGER: Mam Im not underestimating you, pero baka naman namamahalan ka lang sa 6000.(Can’t afford daw ako, insulting!)
ME: OO fine! poor ako.Bakit ikaw hindi ka namamahalan?
MANAGER: Mam nag sign ka na kasi ng DEBIT-CREDIT CHARGE, ang linaw ng pirma mo dito!
ME:(Mad na!) I want a copy of your policies! (binasa ko aloud ang policy number 11 na naka state sa letter of cancellation ko at ang insurance code of the philippines section 81)
As stated in your Policy number 11. This policy has a no-obligation warranty within a period of 15 days from the date of receipt off Policy (15-day free look period), during which period, the client MAY DISCONTINUE with the Policy if for ANY reason he/she is dissatisfied.
and! According to the INSURANCE CODE OF THE PHILIPPINES, PRESIDENTIAL DECREE 612, SEC. 81.
“A person insured is entitled to return of the premium when the contract is voidable, on account of fraud or misrepresentation of the insurer, or of his agent, or on account of facts, the existence of which the insured was ignorant without his fault; or when by any default of the insured other than actual fraud, the insurer never incurred any liability under the policy”.
MANAGER: Mam saan niyo po nakuha yang policy na yan.
ME: sa internet.bigyan niyo ko ng copy ng policies niyo! recite mo policy number 11. hindi issue dito ang debit-credit charge. lahat ng clients may karapatan umayaw sa sa product or service kapag hindi na satisfied!.kung kasal nga na aannul, insurance pa kaya!
MANAGER: (UMALIS AT NAGDABOG pero okz lang, at least nakuha ko STATEMENT OF ACCOUNT KO with Cancel upon inception and napirmahan nila yung letter of cancellation, punta lang daw ako sa office nila after 30-45 days for confirmation or makakareceive ako ng call from them.)
ADVISE: pag sobra na silang makulit, ask first for a copy of
their policies. Pag walang binigay, state mo yung policy number 11. and yung Insurance Code of the Philippines, presidential decree 612 sec 81. Lagay mo din yun sa letter of cancellation. Matatakot sila jan!
you need to have:
1. letter of cancellation signed by the manager.
2. photocopies of your forms, kasi kukunin nila yung original.
3.pababalikin ka nila sa hapon for your STATEMENT OF ACCOUNT
with Cancelled Upon Inception status..
4. go to their office after 30-45 days to confirm or tatawag daw sila to inform you na ok na.
If you want a copy of my sample LETTER OF CANCELLATION, email me at likraxhos@yahoo.com.I’ll be willing to help.
@dang:hi po so kelan daw po marerelease yung money nyo? anu po sabe sa inyo?
grabe yang mga yan noh! sa una super bait nyang mga yan pag kuhanan na ng pera ayan na dadabugan kana! hoy pplic!karapatan ng bawat tao yun na tumanggi. ang kakapal ng muka nyo.mapagkakatiwalaan kayo eh bakit andameng bumabalik sa inyo at kumukuha ng refund..tsk tsk..
This is still existing in SM San Fernando, Pampanga.. they have a nice presentations in the beginning and its really convincing, but during the process they don’t show any brochures, application forms or any documents. They keep asking your ATM or other cards that contains money on it… They are full of shit!!! Why does the SM Management allow this bogus to operate in their establishment.
i was a victim of PPLIC last August 30, 2011…the agent is the grandson of the owner and he graduated from de la salle… thanks for the insights u posted guys… at least now i know their tactics. Please hep me spread this news so that we could at least prevent people to invest in their bullshit plan.
@fiercegurl:san ka po navictim? napacancel mo na po?
@katherine:sa sm megamall po.. i am arranging my cancellation na po..
somebody called me last saturday, sbi, napili daw name ko, randomly selected daw from pc and refer lang ang name ko. i dont even remember na nagsign ako any application from any insurance company b4. ang binibida nila, sila ay from phil prudential. pinapapunta ako today for claiming my reward privileges including my fully paid insurance and certificate of scholarship from DATAMEX plus a raffle coupon can win 50,000. as well as other, hinanapan ako ng ids, 3 ids, sbi ko only 2 id lang ang available ko as of this time… pero he ask na if i have bank ids.. banks ids ang pagkasabi… means credit card!!! nagtxt din sya sa akin this morning 09209497808, named jason. i txt and call somebody from DATAMEX, at ang sbi me ginagrant din ang skul pero i check ko daw muna, dami din bogus ngayon gamit ang mga schools, and we dont need na dumaan pa any insurance company to owned scholarship program, advice from school.
thanks so much, nakita ko ang blog mo. hindi na ko pupunta. and even un school ng mga kids ko ngayon, nagadvice sa akin na… ITS A SCAM.
@fiercegurl:yeah asikasuhin mo na po habang maaga.
grabe talaga pplic mga magician eh noh? wala namang sinalihan na bagay then all of a sudden biglang nanalo tayo or wat tsaka kung nanalo man dapat id lang ang hinahanap. Once na may money ng involved ibang usapan nayon. hay naku when will these people learn? baka hindi na!!!hay!!
guys existing padin po ANTI Philippine Prudential(pplic) sa facebook i like po ntin yung page. thanks
just want to seek for your advise guys. I availed their insurance last may 2011 but wanted to cancel it now. Php 9,835 was deducted in my ATM. Then, the next deduction should be August 15, 2011 but they failed to do so. An agent called me yesterday that on September 15, 2011, they will get the lump sum of August and September. Because of this, I was disappointed and dismayed and decided to cancel my insurance now. do you think I can still refund my Php 9,835?
@joy: naku hirap na po yan eh. mahirap na po kapag lagpas na ng 15 days period. pero try mo parin po
talaga?.. sayang naman nung pera ko.. naasar lang talaga aki dun sa pangungulit nila kaya pumayag ako.. vinideo pa nga nila ako at ang sabi ay para raw may documentation sila na hindi nila ako pinilit.. etc.. nakakaasar talaga..
I went to the megamall branch yesterday and I handed to them my letter of cancellation.. you should state the reason kung bkit mo gusto ipacancel..good thing hndi pa ko lagpas sa 15-day look-up period.. Maayos naman ang naging takbo..actually mabilis ko lang napacancel.. cguro din kc madameng tao dun kya iniwasan na lang nila na mageskandalo ako kya kinancel na lang nila kagad.. wag na lang kayo maging agresive pag pmunta kc bka mas lalo pang tumagal..
@fiercegurl: yup, i think it’s the same guy who tried to sell the plan to me last year. he’s like related to road-rage victim renato victor ebarle jr., wherein jason ivler is the prime suspect of the shoot out.
@joy:try mo parin po nag email kana po sa ic?
guyz pls help me…ako din napaavail sa endowment plan last sept 10, 2011.. tapos nakita ko ito…madami rin pa lang nabiktima..pano po mgpacancel?
@jody: write a cancellation letter po then ipaphoto copy mo po yung mga documents na galing sa kanila pati yung cancellation letter then punta ka sa branch nila sabihin mo ipapacancel mo yung policy mo. warning lang gagawin nila lahat para lang di macancel yung policy mo so manindigan ka na ipapacancel mo yung policy mo wag kang matakot sa kanila. yung akin po nakuha ko na yung pera ko within 2 weeks lang. magsama ka po ng friends or family mo kung pwede. basahin mo po yung mga nakasulat dito sa blog para magkaroon kapa ng mga idea.
kalokohan talaga yung sinasabe nila na 30 to 45 days eh kaya naman nila ibigay ng mas maaga yung pera. pinapaikot pa nila yung mga tao. pag swipe nga ng cc at atm seconds lang tapos pagkuha ng pera 30 to 45 days? tumutubo kasi pera sa banko eh noh pplic? tsaka mas priority nyo kasi yung makapangoyo pa ng madame kesa yung mga nakaalam na sa tactics ninyo at gusto na kumalas…gaya nga ng sabe ni tita parang bigla kang hinoldap.. kalokohan…ibigay nyo ng maaga yung pera ng mga tao hindi yung aabot pa ng pagkatagal tagal…badtrip kayo
@kath:thanks po…kailangan pa po ba ng valid reason for the cancellation letter?thank you.
kalokohan talga ginagawa ng pesting PPLIC na yan mga magnanakaw, mga manloloko sila. Sa 49k na nakuha nila sa akin ang ibalik 9k nalang, rason nila pinakansela ko daw plan ko mga gago sila. nung ask ko sila pano naging 9k hingan ko sila ng computation wala naman sagot. Pumayag na nga ako sa 25k na cash value na ibalik sa akin, pero kasinungalingan pala yon habol nila makagawa ako ng letter my pirma ko din iba pala pagkatapos nun, Tas sabihin ang RPU ko is 25K din Cash value is 9k tindi kalokohan. tanga ko talga bakit ako naniwala sa sinabi ng agent nila na 25k nalang makuha ko un pala hindi totoo dapat ko pala record yong sabi ng agent, dapat documented lahat ng transaction. bago gagawa ng letter na ask nila dapat gumawa din cla ng letter in return na nakasaad dun ang amount na makuha.Sa tingin ko sila yata yong nagpa-insured para makanakaw ng pera na pinaghirapan natin. Hingi ako ng advise sa inyo ano kaya dapat kung gawin. dito kc ako sa abroad. Dapat isiwalat natin ang ginagawang kalokohan ng pesting PPLIC na yan, para d na sila makapangguyo.
@Kath: tama mga sinabi mo sinasamantala nila ang kabaitan ng isang tao. mga manloloko talaga sila at magnanakaw.
I need your help. I signed for a plan just this afternoon. I am new to this whole insurance thing so I was easily tricked. Only PhP3,000 was taken from my ATM account (Good thing I really only had PhP3,000). Anyway, I do not remember the terms of the insurance anymore so I searched about it in the internet and came across this blog. Please help me on what I should do. To whom should I address the cancellation letter? And will I be able to refund the whole amount? I’m planning to cancel the plan within the week. Thank you!
@jody: lagyan mo narin po ng reason example you need the money pang bayad sa tuition kaya kailangan nila irush yung pera. pag sinabe nila mam 30 to 45 days po yung talagang process ng pera well sabihin mo hindi mo kailangan mag antay ng ganun katagal kasi kaya nilang marelease yun agad kasi may nakausap kana na nakuha ng 2 weeks kaya bakit nila sasabihin sayo ganun katagal. san ka po pala naloko ng mga pplic nayan? punta kana po agad kasi pag lumagpas ka sa 15 days mahirap na yun. basta po dapat strong ka wag ka magpatalo sa mga yan. give mo po sakin email add mo.
@june: grabe naman po nangyare sa inyo. san po kayo naloko ng mga yan at gano na katagal yung policy nyo? napacancel nyo po ba? nag consult na po ba kayo ng lawyer? grabeee po talaga yang mga yan. nagpaplan po ako na iparating sa media yang ginagawa ng mga yan nag gagather pa po ako ng marameng tao para mas marame kasi parang palala ng palala.
@shin: basahin mo po yung mga nakalagay dito sa blog. marame pong bagay na makakatulong sayo dito. advise ko lang write a cancellation letter photocopy all the documents that they gave you pati narin yung cancellation letter then go kana agad sa branch kung saan mo kinuha yung policy mo sabihin mo ipapacancel mo wag ka po matakot sa mga videos or kung anong documents na sasabihin nila proof nila naku gagawin nila lahat yun wag mo lang maipacancel and dapat strong ka pag humarap ka sa kanila I mean wag ka matakot sa kanila…basta po habang maaga at sakop pa ng 15 day free look period ipacancel nyo na kasi mahirap na yun pag lagpas na hindi mo na makukuha yung full amount na binigay mo.
advise ko lang po sa mga bago sa ganitong sitwasyon basahin nyo po yung blog na to hindi naman lahat pero maraming bagay na matutunan kayo dito at makakatulong kung pano magpacancel ng policy nyo. pangalawa gumawa na po kayo agad ng cancellation letter ipa photocopy nyo pati yung mga documents na binigay ng pplic kasi kukunin nila yun kung kaya nyo na mapuntahan na agad yung branch ng pplic puntahan nyo na po agad at i submit yung cancellation letter kasi pag lagpas na yung 15 day free look period mahirap na kasi hindi mo na makukuha yung whole amount. kailangan mo na magpunta sa insurance commission para magpa set up ng meeting kasama na ang isang rep from pplic… mas hassle yun kaya habang maaga ipacancel nyo na po agad.
nagpaplan po ako na iparating sa media yung ginagawa ng pplic kaya kung sino po yung interesado bigay nyo lang po sa akin yung email add nyo po. nagagather pa po ako ng mga tao para sabay sabay tayo magreklamo sa mga yan kasi sobra na dapat ng matigil yang mga yan.
nagpa plan po ako na iparating sa media yung ginagawa ng pplic kaya kung sino po yung interesado bigay nyo lang po sa akin yung email add nyo po. nagagather pa po ako ng mga tao para sabay sabay tayo magreklamo sa mga yan kasi sobra na dapat ng matigil yang mga yan.
@kath: sa SM cebu po ako nabiktima. lam mo after nung nakuha nila ung initial depo. ko na more than 28k bumalik ako sa office nila 3 days after para ipacancel ko ung plan pero dami nila sisabi 3x me pabalik2x sa office nila pero ayaw nila talaga sa mga time na un bz din ako papunta d2 sa abroad, kaya ginawa ko tumawag sa main office ng PPLIC advise nman hindi ko daw makuha ang full amount kc wala pa 1 year, So ginagawa ko binayaran ko yong 1 year kaya umabot lahat ng 49k more. tumawag ako uli sa office nila nakausap ko ung isang tao na name nya is Joebert Sandoval sinabi ko reason bakit ko pacancel din nag offer cya ng iba pero hindi ko na tinanggap sabi pa nya sa 49k ko daw ang makuha ko cash value is 25k din advise nya sa akin na gawa ng request which is from reduced paid up to cash value, so pumayag ako sa 25k after ng signed letter na namail ko sa kanya wla na siya reply tinawagan ko ayaw na niya ako kausapin, sabi ng nakasagot mag antay ako. Nag-hintay ako ng 1 month din nag email ako uli follow-up now iba na nman tao nag intertain sa akin un sabi 9k makuha ko kc ung RPU ko daw is 25k nainis na ako nagemail ako uli sa kanya na dko tanggapin ung pera. swerti nman nila nakaupo lang tapos ako nagpakahirap sa pera na un. hirap kaya magtrabaho dito sa malayo tapos ganun nalanga gagawin nila. Grabi panloloko ginawa nila. BTW ito email add ko. joerydix@yahoo.com
@katherine:nagpunta n po ako khapon at nakuha ko SOA n may nklagay n cancelled upon inception. yun nga ang sabi saken 30-45 days. ok n un saken bsta mabalik in full.kaso kinukuha orig receipt. ayaw ko ibgay eh kasi that’s my proof n ngbyad ako. kau b sinurrender nu orig receipts nu?sabi kasi d daw maprocess refund pag d un bnigay sa kanila..thanks thanks…
@june: naku po pa consult kana po sa lawyer paayos mo po sa kamag anak mo sayang yung pera mo tsaka i think malakas yung laban mo kasi sabe mo pinapacancel mo after 3 days di nila kinansel tapos nagrely ka sa sinasabe nila. naku malakas laban mo dun kaya magpa consult kana po sa lawyer kasi sayang ang pera mo. naku kilala ko po yang joeber kasi yan rin yung nag eemail sakin.
@jody: basta po may mga copy ka importante yun lalo na yung SOA. tawagan at eemail mo po sila everyday ganun ginawa ko eh kasi makakalimutan nila yan eh minsan lagpas na 45 days wala pa yung money. basahin mo po yung iba dito sa blog.
@jody: san ka po pala naloko ng pplic at san ka nakuhanan give mo po sa akin email add mo baka may maibigay pa ako sayo na tulong.
Hi! newbie po ako sa forum nato, nagpapasalamat ako at na inform nyo ang iba na tulad ko sa ganitong kaso. may tumawag po kasi sa amin na yun father ko daw ay napili nila sa ramdom pick or referal ng ilan kaibigan, since wala ang father ako dito sa pinas. kahit ako na lang daw na son ang mag claim and tinatanung kung may 3 valid id’s ako. meron kako driver’s license, sss, philhealth. sabi ko papasyal na lang ako sa office nila para maliwanagan ko. Tanung ko lang po sa mga naka encounter na.
bakit nyo po pina pa cancel ang policy nyo? hindi po ba napaliwanag ang mga policy premium and benefits? gusto ko lang po malaman, kasi baka by one day pasyalan ko ang office nila.
panu po ba strategy nila at yun iba napakalaki ng premium na nakukuha?
^ Arvin,
Sasagutin kita, bilang isa sa mga naloko o napilit nila na kumuha ng kanilang product/insurance, at matagumpay na napakansela ang policy at naibalik ang na-charge nila initial premium amount:
1. Una, hindi ko gusto kumuha kasi alam ko hindi ko kakayanin ang monthly premium. Bilang breadwinner ng pamilya dami na ako gastusin wala na nga natitira sa sweldo kadalasan. Isa pa, meron na akong insurance na hinuhulugan quarterly (ng huling 10 taon na) so sa tingin ko, madodoble na lang kapag kukuha pa ako.
Pero sa pamimilit, at sa misleading na pananalita, na check lang nila kung qualified ako ek-ek, napapayag ako na pumirma dun sa authorization to debit from cc, at bigay sa consultant yung cc ko.
2. Para sa akin, hindi ako masyadong naliwanagan sa ekplinasyon narining o natanggap ko mula sa akin consultant pati na sa manager ng branch. KASI HINDI AKO NABIGYAN NG SAPAT NA ORAS PARA MAKAPAG-ISIP NG HUSTO.
Syempre pera ko naman na pinaghirapan ko, ang ipangbabayad ko don sa monthly premium na i chacharge sa cc ko. Kaya may karapatan ako na humingi o request ng mahabang panahon para mapag-isipan ng husto kung kailangan ko nga ba talaga ang insurance nila at may kakayahan akong magbayad monthly. Sa kasamaang-palad hindi sila nagbigay ng sapat na oras. Ng kumuha ako ng aking insurance sa Philamlife, naiuwi ko pa yung application na form at saka na lang dinaanan ng ahente ko. Walang force/hard sell. Kaya nakapag-isip ng husto.
Sa pangalawa mong tanong, hindi ko alam ano strategy nila bakit iba2 ang premium. Pero ganito kasi yon, bago nila sasabihin o mang-aalok ng insurance, kukunin muna nila ang basic info tungkol sa iyo,pati nga credit card mo, titignan na ng agent na nasa mall, at isusulat ang credit limit/ validity, etc., ano work mo, saan nakatira, saan ka nag-aaral o kung may kids ka, saan ang school nila.
Magkakaroon muna kayo (ng consultant)ng small and friendly talk with free drinks, tatanungin ka ano-ano pangarap o ambisyon mo sa buhay, anong mahalaga sa buhay mo, ano ginagawa mo para abutin ang mga ito, etc. Syempre makaka kuha sila ng idea/profile about estado mo sa buhay o ang paying capacity mo, kaya kung malaki ang credit limit mo, o mukhang malaki na ipon mo (think OFW, o may business ang family mo), maganda ang trabaho mo, o mukhang mayaman ka – yung malaking premium ang i aassign sa iyo ng consultant. Kaya nababasa natin dito na yung iba maliit lang ang unang kaltas nasa below 10/20k, samantalang iba ay mga 40k up.
@fb: you said it all!!! maliwanag naba arvin?
guys lage ko po sinasabe basahin nyo po itong blog kasi marameng importanteng bagay dito at malalaman nyo ang ugali ng pplic at yung mga tactics nila.hindi nyo naman po kailangan basahin lahat basahin nyo lang yung iba para magkaroon kayo ng idea.
I was one of those who initially availed the plan worth 28,707 pesos and after two hours I decided to cancel. However, they told me they cannot refund the amount immediately. Weird. All they need to do is to click on the machine and declare that the transaction is voided.
Also, they said I cannot refund the whole amount unless I retain my LABB plan. Which I think is not right. They shouldn’t force people to pay that amount. It’s always our discretion whether we want to proceed or not.
And their slot machine is ALWAYS not working. I checked their “machine” and I can say it is fully working. I even asked the guy in the reception to show me the server so I can fix it. But he acted as if even his computer is not working. I couldn’t believe that I fall for this.
Okay naman policies nila. It’s just that their marketing strategy is not right.
Now I’m forced to pay 8,800 pesos dahil sa LABB plan nila.
Crazy.
helo guys.. im almost a victim also.. good thing still for clearance pa account ko so in short la pa laman account ko..haha praise God, but still im worried kasi nga na swipe at ng enter ako ng pin code ko don.. im worried if they can hacked or open my account????
Hi guys, good thing I was able to search first from the internet this PPLC.I got a text from them that I won a Personal Accident Plan until I reach the age of 65,a 3yrs free tuition fee from Datamex and a raffle ticket worth P50,000. I happened to talk to Harmon Santos and he told me to come to their office in Makati to claim the price. He told me that I won’t be paying anything. He even ask for chocolate as pasalubong. He also ask me if I have a credit card so I can avail of more raffle tickets. Thank God its raining hard, we thought it would be risky to travel. So I got the chance to search first. Just now their texting me if I can come. And I just reply “I’m not interested anymore”. Thank you for this blog coz it makes people aware of something we thought are sincere, but unfortunately just want our precious time to come into waste.
Hi guys, nabiktima rin ako ng PPLC sa SM san fernando,Pampanga. Ngayon ko lng na realized na scam un kaya ng check ako sa net. Then I found out na scam pla tlga ginagawa ng PPLC. Although Php500 ang nabigay ko, pero thru Credit Card naman ang gamit ko. Naiinis ako at ngayon ko lng naisip bakit ko pinirmihan un waiver para sa auto debit, kainis talga.Pano po ba ang gagawin ko? kahit hindi na ma refund un 500pesos basta wag lang makuha sa CC ko un premiums. Thanks in advance. This is very helpful guys.
hi katherine. this is my email add lee_engo@yahoo.com
@mark: so nakakuha ka po ng insurance nila? ipacancel mo na po agad
guys,, please help…
nabiktima din ung bf ng stepsister ko
they were told na maglalaro lang sila
and 45 minutes wait lang ang need
then they waited 2 hours
anu po dapat gawin?
30, 388 pesos ung naswipe sa card
and atm card po ito hndi xa credit card
btw, khapon lng po nangyari to..sept 18,2011
@ilka gabarda: follow mo po yung mga steps na nakasulat dito and pacancel nyo na agad bukas na bukas.
salamat po.. sana mabalik pa ung pera
Ma’am,
Kahapon lang me na decept ng PPLIC pwede ko pa ba mabawi yung insurance na binayaran ko…at ma pa cancel? Grabehh…talga..3886…at mababawasan paba yun…sa cc ko…the truth naguluhan talaga ako so hindi na intindihan ang proseso na sinsabi nila…maingay pa dun…grabehhh…May mababbawas po ba sa CC ko pki plaiwanag naman po yung premiums?…tnx..
@regie: pacancel nyo na muna agad write a cancellation letter then balik ka agad sa branch. basahin mo po yung mga nakalagay dito.
guys may nag email naba sa inyo sa ic regarding sa pplic? kanina nagsulat ako ng complaint sa site nila. click nyo lang po yung contacts nila then dun sa feedback fill up kayo sa feedback form nila. baka pag madameng nag fill up mapansin ng ic.hoping lang naman diba.
kapal talaga may pplic philippine prudential life corporate video ang mga walangya sa youtube.
papunta napo kami sa office nila sa SM north edsa ngayon.. we have a cancellation letter, ung envelope na binigay nila at may xerox nadin.. goodluck samin i’ll update you guys soon
grabe po tlga jan sa pplic. i applied in there company before but after few days of training, dko na po tinuloy. hindi po kasi makaya ng konsensya ang manloko ng mga tao. i wonder panu tumatagal ung mga agents nla jan.. ang trabaho ko dpat jan eh mgtatawag, ssbihin namin sa mga customers that they have some rewards for being a patronizer of master/visa card.. the first day plang ng trainig ko, ngtataka na aq.. kc kpag npapayag nla ung taong tinawagan nla na pmunta sa ofis nla to claim their rewards, dpat dw may dalang any bankcard.. for proof daw that they are really patronizers! pero hindi kasi aq ganun ka-tanga pra hndi mlaman ang modus nla. after that, hndi na ako bumalik sa ofis nla.. TOTOO TALAGA TONG BLOG NA TO! SA MGA NAGSASABI JAN NA HINDI ITO TOTOO, MAGKANU IBINAYAD SA INYO NG PPLIC? haha *just asking.lol*
@ilka gabarda:good luck po! be strong! makukuha mo yang pera mo update mo po ako!
@rhies: good for you kung talagang tumigil kana sa pagwowork sa kanila kasi hindi naman tama yun na niloloko mo ang mga tao what if one day pamilya mo naman ang maloko? karma is always around!
yung mga nagsasabe na hindi totoo itong blog na to mga taga PPLIC yun na manloloko na nga nang gagago pa ng ibang tao…kakapal ng muka! sorry ha! totoo akong tao sinasabe ko kung ano yung nasa isip ko at nasa dibdib ko. anlaki ng tulong ng blog na to sakin kung di dahil sa blog na to di ko makukuha pera ko at dahil sa blog na to marame akong natulungan na tao na may problema sa PPLIC ansarap kaya makarinig ng salamat at ansarap makatulong sa ibang tao kahit sa ganitong paraan lang.. palibasa sa PPLIC at sa mga taong nag sasabe na hindi to totoo pakasaya kayo kasi mas gusto nyo sarili nyo lang matulungan nyo mga selfish! naku tama na nga baka mag init ulo ko kung ano pa masabe ko at mabasa pa ng mommy ko! basta ako pag genuine yung isang tao tutulungan ko hindi ako magdadalawang isip at sa PPLIC your days will come!
Hi, it also happened to me here in CDO Limkitkai Mall August 2011…same strategy tulad ninyo ang naranasan ko sa PPLIC….after I discovered the scam about this company….hindi ako ngdalawang isip na pumunta sa office nila after a week, pina cancel ko…na in activate naman kaso dami nila tanong na naka irita..tapos they will let you talk from one staff to an other…basta naging masungit lang ako sa kanila with maraming insulto natanggap nila mula sa akin….after 30 days…na e refund nman kaagad sa Bank Account ko… Salamat Im out of this mess…..
good for you fabell
Hayy…na i file ko na yung mga requirements for cancellation, though it takes so much time and effort at lalong dami ni lang abala, wish and hopefully after the stated date ma ibalik na yung pera ko, may I ask lang ako kase sa receipt na natanggap ko from them, the bank which was stated their wer different from what I got East West me pero HSBC nakalagay sa receipt ko pina counter sign ko sa cashier of PPLIC, then ipinaliwanag ko sa bangko ko they said basta, debited at lumabs sa trnaction within my bank sa card ko yun. From PPLIC naman said, sabi nila eh typographical error daw yun. Na bobother lang me bakit HSBC ang lumabas sa receipt ehh..machine nila yun…I just ask if it will reflect na pwd nila i used yun..iv’e called HSBC and yun daw ayy ma kaklarify sa bangko ko..Hayy…sana nga wala prob dun…and hopefully maibalik na yung money ko..Salamat
@regie:ang complicated naman po nyan? basta po wait mo nalang then pag wala parin sabihin mo po sa kanila.
blinock ako ng PPLIC sa youtube kasi may video sila na PPLIC corporate video. nag comment ako then pinagbubura yung mga pinost ko. nakakatawa pplic…hay..
habang antagal ng pplic pinanood ko sa youtube ung tek tok tv with sir arpee lazaro and profora media about blogging ata ang gulo kasi ng youtube di ko masyado tuloy naintindihan
Tnx to this blog. Muntik na rin ako just now
This is an old post but the comments are still coming!
And I’ll add one more!
I just got a call from this company a while ago. I was online and this came up first in the search results! EXCELLENT BLOG!!!! I love you pre! You just saved a lot of people from this scam. Thank you thank you
grabe muntik na ko dito kanina, buti na lng d ako nagbigay ng number ng atm card, namimilit pa if meron daw ang husband ko or any family member na may bank account. grabe naman mga style ng insurance company na to! dapat investigate at parusahan yang mga yan e. madami pa maloloko mga yan!
@jhen: oo nga po marame na po ang naloko at marame pa ang naloloko
me too last sat nabawas nila sa credit card ko 27k plus. pag uwi ko hindi ako mka tulog then binasa ko buti may 15 day free look period pina cancel ko sya yesterday, and they gave me statement of account cancelled for inception, now i’ll just wait 25-30 days for the refund na mabalik sa credit card ko. marami nman ako nabasa na ni re refund nila so less worry ako ngayon. confident din ako na mababalik nila yung 27k ko.
i was a victim as well, nadebit ung ATM(BDO) ko ng 3,365. That was Oct. 2(Sunday) in SM Southmall, and then Oct. 4(Tuesday) morning, hindi talaga ko mapakali sa company na to. i keep on texting the agent who assisted me named Ariane. so nagpunta ko don to cancel it. like the others 30-45 days daw ang kelangan antayin to get your money back..
ummm question?.. since naiswipe sa system nila ung ATM mo can they hacked it or something like they will have a record of your PIN or ACCOUNT NUMBER. tas baka monthly eh bawasan nila.
anyone?? thanks.
@red219: hindi naman po kasi yung akin wala naman di naman nila binawasan or ginalaw yung pera sa atm ko. pag binawasan nila mali na yun kasi nacancel mo na so wala na silang karapatan bawasan.
amp pag po ba nakita nila yung card mababawasan ba ako baka kasi gamitin through paypal nagtanong kasi sila ng middle name ko den i show themyung cc ko pati yung birthday at kung ano ano pa.. is der any worries na mababawasan ako?
I keep on receiving text messages from Phil. Prudential.. and i ignored the messages kc wala naman akong sinasalihang raffle or whatsoever…. This afternoon, i received a text.
Number: +639154792494
Content:
FINAL NOTIFICATION:
Good day! This is Mr. HARMON SANTOS from PHIL.PRUDENTIAL. Your 3 EXCLUSIVE REWARDS and PRIVILEGES For Free are still here in our office
You need to Claim and Activate TODAY. We are finalizing all the records of our recipients who did not claim their rewards. For your claiming code that you will need to present upon claiming; you may call exclusively our Makati office from: 9am to 5pm for further information.
Tel. (02)7551532 upon receipt of this message. Many Thanks and GodBless!
(DISREGARD IF CLAIMED)
**It’s a good thing i searched the internet and fortunately i clicked this site. (LOL!)
Thanks Arpee for this blog.. this helps a lot!!
@doraemon24: hindi po nila babawasan yun pag nabawasan reklamo ka kaagad.
grabe talaga di parin tumitigil yang mga yan.
@katherine: tama! iniba ko nga PIN ko just to be sure and i even called BDO to ask if they can hacked it sabe sa BDO wala pa naman daw silang report about that and that’s impossible nga daw kasi PIN protected ang ATM, anyways how many days mo nakuha yung sa’yo? i mean it’s just 3,365 but still pinaghirapan ko yun. sabe kasi 2 weeks lang daw pag BDO. but the standard is 30-45 days.
salamat sa blog,,, dahil hindi na ako tutuloy ngayun sa pplic magdala daw ako ng credit cards ko…
I just received a message from this company from Yolly Recordig (+639232068881)telling me that I have an unclaimed 2 Educational certificate and 1 medical certificate. It is so suspicious because it says (disregard if claimed) as its last message and I never joined any contest or raffles..so WT!
@red219: di naman po kasi yung akin di naman nabawasan pero good kasi binago mo para sure 2 weeks ko po nakuha yung akin.
It said in the video that ICC will monitor this Insurance Company. I went to a mall yesterday and saw PPLIC employees still doing the same thing. If this is a form of “deceptive marketing” as they say, how come it continues to transact in the same manner? Whatever happened to the promise that this will be “looked into”, nakatingin pa rin sila?
Somebody help me..nakatangap ako ng letter galing pplic sabi hindi na nila parerefund ang pera ko worth 24,760…kasi dw may pinirmahan aq patunay na agree aq sa plan nila, hindi q alam anu gagawin ko…plz help me…kakayanin q bang lumaban sa kanila…?
@keanne: pero napacancel mo po within 15 days pa?
@mel:ewan ko nga po sa ic kung minomonitor nila yan. im sure marami na silang natatangap na complain dyan ewan ko kung minomonitor nila
Insurance Commission have monitored the case, as shown in the video. They just decided that they have better things to do. Obviously media pressure is non-existent. You just need to shut their mouth with money. And this is a very old case, our media is not interested in it anymore. Just expect this thing to go on, the best thing you can do is ignore them. And to those who have been victimized, just try your best to cancel your subscription.
pano yun? if lagpas ng 15 days free look period i’m getting my policy cancelled later eh. pero today is 22 days after the receipt of the policy. what should i do??
My question is how did they know your exact name, and how they call you up, by means of social media! last night they call me
with this number :09232539014 — Ms Glizel ( rewards officer) frm phil. prudential.. rewards department,, she said to me that i won a scholarships ,, hehe how com that i won i never ever join any raffle promo! hehe what a scam!PEOPLE! LET US UNITE TO STOP THIS CRISIS! BEFORE YOUR FAMILY WERE VICTIMISED BY THIS DAMMIT PEOPLE! I KNOW THERE CHANGING THERE NUMBER AND CHANGING THEIR NAME SO THAT THEY CAN VICTIMISED MORE!..
my god! this blog existed since year 2009 and up to present they are still doing this scam..
a while ago johnny fortalejo of pplic rewards office call me to claim my reward for using my credit card for more than 3yrs. ironically, my credit card just lapse the three years of usage this october 2011 so its very coincidental but of course i didn’t hooked me coz i know its a scam..
i google the company coz i didn’t have the idea its phil. prudential life insurance. thank god for this blog!!
I THINK THEY GOT OUR NUMBERS AND INFO DETAILS TO THOSE AGENTS THAT WE USED TO APPLY OUR CREDIT CARDS..THE APPLICATION FORMS WE SIGNED WAS KEPT BY THEM AND USE IN OTHER MARKETING COMPANY.
wow…just today, i don’t know for what reason nga at nahila kami ng mother ko nung agent. then, dinala kami sa office nila sa sm north annex. same strategy, survey, raffle, chance to win by spinning something, no requirement just ID or atm or credit card. then, 45-min one-on-one discussion. good thing, medyo may presence of mind pa ako. after almost an hour, sabi ko, you’ve already spent more than 45 minutes. aba’y hindi pa raw. sabi ko we were here before 6pm and it’s already 7:10, sabi yung 45-min daw mag-start after naupo kami for the one-on-one discussion. dami tanong, nung mapansin ko na paulit-ulit na explanation, nagsimula na akong mambara. sabi ko, it may be good but i don’t feel the necessity right now. sabi ko, you can’t force me to decide right now. i need to see the policy first, all technicalities. and i need time, maybe i’ll just get back to you when i feel i need it. dami pa ring explanation – killing my time talaga. tapos balik ulit sa mga nasabi nang explanation. and then, sabi niya, what is your concern right now that hinders you in making decision? sabi ko: “you’re asking me for my concern right now?! to tell you frankly, my concern at this very moment is “I want to eat! you already took more than an hour of my time! my mother is waiting for me outside! i only accommodated your agent out of courtesy when we passed by your stall but this is too much! we’re leaving!” good thing, hindi naman namilit na. although, nakita ko na medyo nag-twist yung mouth niya. nung una’y napakagiliw, nung mapansin na hindi ako kakagat, nagbago ng mood. aba! buti nalang, hindi na -swipe cards ko. hay! sana matigil na ang ganitong sistema ng panloloko.
Hi. please help me cancel and refund 49,340 swiped from my CC more thn 15 days ago. I am going to Megamall today to render my letter of cancellation. Please text me at 09228407485 for any advice. Thanks!
hi po panu po magpa cancel kc naloko dn ako almost a year na, dun me kumuha sa Ayala pwd ba magpa cancel sa SM megamall? hope u will help me
katherine pls email me..tnx
luckily, ganun din ang nangyari sakin, talgang pinipilit nila ako, tapos sabi raw di raw sila namimilit, ngayung gabi lang nangyari, buti talgang matigas ang sagot ko ng NO, at talgang sige pa rin sila ng push. tapos ung bading na nagpupush sakin, talgang nangiirap na at nagtataray na, tapos ganito ganyan 5 years na raw sila dun sa company etc. may pinakita pang mga xerox papers ng mga tao tulad nila noynoy na accredited daw ung company nila blah blah. 45 years na raw sila nagooperate. ganun! sa SM las pinas, buti na lang talgang matiagas ang NO ko, well maganda kasi ung chick na nagoffer sakin though. pero atleast hindi ang sagot ko.
last week, a man named JED informed me that i won a paid-up insurance from phil prudential, a paid-up 2 year college plan in datamex and some raffle tickets. he advised me to bring my IDs and ask me if i have credit card or atm card for additional raffle tickets. Kahit medyo duda ako, i planned to go to their office in front of SM BACOOR to claim my prizes. But my son warned me, (baka SCAM YAN MOMMY ask mo yung company website nila. since, kinuha ni Jed and cell# ko, he called me the next day to confirm if I”ll be coming. Nagdahilan ako n may emergency meeting ako but I’ll come later, i asked their com.website if he don’t mind.He gave me naman(sabagay madali lang gumawa ng website) Since then he never call me back again. Naramdaman nya siguro na nakahalata ako. ngayon ko lang naalala na i-search ito. SCAM NGA PALA YON TALAGA.
@siwit: bakit po kita eemail?
guys kung lagpas na po ng 15 day free look period ung mga policy nyo mahirap na po yan ang maiiaadvice ko nalang sa inyo mag punta at mag email kayo sa IC or any legal actions that you can do po. pero pag sakop pa ng 15 day gawa agad kayo ng cancellation then balik kayo sa branch na pinagkuhanan nyo para magpacancel. andame ko na po nakausap na ganyan na lagpas na ng 15 days nahihirapan din po sila. yun lang talaga mai aadvise ko IC….or lawyer kung malaki talaga nakuha sa inyo..
anak ng tokwa! nabiktima din ako dito last december of 2010, hanggang ngayon meron pa din pala yang modus na yan….. mukhang kamay na bakal na kelangan dito ah…. yari kayo kay tulfo pag di kayo natigil…..
sana nga po malaman ni tulfo haha..
sinindak nila yung younger sister ko para bumili ng 3K worth of insurance or something… sinundan daw yung kapatid ko nung bakla saka isang lalaki… kaya siguro naka disable yang comments sa website nila kasi magfa-flood ang negative comments… malugi sana nang bonggang bongga ang may-ari ng kumpanyang yan at hindi na makabangon. mga salot.
@cherrie: grabe talaga ang mga walng hiya.. Anu na po nangyare sa sister mo? napacancel po ba niya yung insurance?
pano po kung di nila bigay ang nabayad na? saan po pwede mag sumbong? na biktima ako sa sm southmall,saving ko nagamit ko..thanks.please help me..
@katherine: sadly lampas na sa 15 day period for cancelling. buti na lang at 3k lang yung nakuha sa sister ko.. subukan lang nila na ako ang lapitan nila… mang-aaway talaga ako..
grbe dec 2010 me ngstart..until now nghu2log pren me..now q lng nlman n scam plah 2..pano q pah mba2wi lhat ng naihulog q???plz help..
@cherrie: pero napacancel nyo padin po? kasi baka bawasan yun every month.
@aliah gawaran: basta po within 15 days ipacancel mo pag di nila pumayag may karapatan ka na isumbong sila sa mga authorities at sa insurance com. kaso mabagal mag aksyon yung mga yun sa dami narin siguro ng reklamo dyan sa lintik na PPLIC nayan.
@lhen: kung gusto mo na talaga istop ipatigil mo na. punta ka sa kanila kesa naman mag suffer kapa dyan for a long time. im not sure though kung makukuha mo lahat.
@Katherine: pano po sa sitwasyon q, lampas 15 days period na..kaya hindi na nila marerefund yong cash…sayang ang pera q..ano gagawing q miss katherine, san tulongan mo ako. salamat. kailangan q lng mabawi ang pera q..
@keanne: nag comment kana po dito dati? alam ko may makukuha kapa din po dun eh nakapag hulog kana po ba? gano na po ba katagal? ganyan din po yung sa kakilala ko nag email na po sya sa IC. may mga meetings sila sa IC kasama yung representative from PPLIC. yun lang po yung maisusuggest ko kasi yung sakin di naman po lumampas ng 15 days. sana po maayos mo pa po yan.
@katherine: Lampas na talaga po..initial deposit lang po ako nakahulog…I started my monthly deposit on april 2011 pero hindi ko po nahulugan hanggang nagpacancelled po ako nung July 2011…now nkareceived ako ng letter galing sa kanila, hindi na daw marerefund…Damn talaga…nakakalukang isipin…Its so unfair..GoD help me…
@keanne: magkano na naihulog mo? try mo padin mag email sa IC
woohoo! thank God at nakuha ko nadin yung 3K na refund na nadebit sa ATM ko last Oct. 2. yahoo! so happy! though it’s more than 2 weeks. pero atleast narefund na. PPLIC leche kayo! hinding hindi nako magpapaloko sa inyo. mga gago kayo!
â•â©â•®ďĽď¸¶ď¸żď¸¶ďĽ‰â•â©â•® eto kayo PPLIC!!!
@red219: good for you! please spread the word po para di na makapang biktima pa ng iba yng PPLIC! like nyo po yung anti pplic sa facebook.
Muntik na akong ma biktima nito yung saturday sa SM North
.. SINUGALING MGA AGENT DYAN!!!
“THEY ARE AFTER SA COTA NA MA INVITE NILA KAYA PAG KINAUSAP KAYO NG TAGA PPLIC in any SM..I-DEADMA NYO.. WASTE OF TIME SILA…” Grrrr
Sa una sasabihin sayo na hindi ka pag bebentahan ng insurance they are just promoting yung company nila blah blah etc. tapos they will check kung may ATM or CREDITCARD kang dala pag meron they will give you freebies daw.
Afterwards sasamahan ka nila to get yung freebies sa establishment nila sa SM.. then pag nandoon kana sasabihin na kailangan mag spend time ka sakanila ng 45 minutes to promote lang pero pwedeng 15 Minutes lang ang itagal.. ayun naniwala ako na 15 minutes lang since sabi nga niya..
pag pasok namin sa isang room ni introduce niya yung mga nanalo na person sa raffle nila na naka display sa wall.. tapos maya maya, she invited me to take sit.. WTF!!! ang daming tanong.. daming paligoy ligoy .. at the end, mag offer sya sayo with matching parang nakaka harassment ang way pag nag “NO” ka..
imagine hihingin yung ATM mo at Creditcard.. buti nalang hindi ko pa binibigay yung Account No. ko sa kanya.. WTF talaga..
tumagal ng 1 Hours and 30 Mins.. nasayang oras ko, hindi na tuloy ako naka watch ng movie yung araw na yun.. grrrr they waste my time at na bad trip ba araw ko..
buti nalang hindi ako pumirma haha
same thing happened to me last week. sa cocolife robinson galleria naman. Misleading yung “iswipe yung card to check kung approved or not”..mejo hesitant ako nung sinabi nung agent na iswipe pero she assured me na I can cancel kaya mejo naging kampante ako. then i did some research na ganito pala talaga style nila so I decided to cancel.
I informed the agent but she said I have to wait for the policy after one week and kakausapin raw ako nung manager regarding cancellation. Nung pumunta ako sa office nila, guess what, icoconvince ka lang nila na wag icancel and will offer lower premium rate. Sabi pa na kapag kinancel ko wala raw akong marerefund, is that even possible?!!! wtf.
the agent told me that I can refund dahil may 15days look period and all. I submitted a cancellation form (thru fax)sa Customer support nila and told me that I have to wait after 21 days.
Ayos lang po ba yun na wala akong nakuhang confirmation from them saying na na-receive nila yung letter ko?
last Oct. 06, lang ako nakasali dito. i am having a bad feeling nang magstart ako dito. can i still cancel my plans for 7 years ang nakuha ko. this nov. 15 pa ang deduction ko. pwede pa ba kayang erefund ang nakuha sa akin?.
thanks po.
need your advice badly
@dion: lampas na po ba ng 15 days? kung di pa ipacancel nyo po write a cancellation letter tapos balik ka sa branch tapos sabhin mo papacancel mo pag di pa lampas ng 15 days makukuha mo pa lahat ng pera mo kaya ipacancel mo na agad.
grabe galing akong Robinson’s otis kanina mag lulunch sana ako after namen ng Acer Service center…guess kung sino humarang samen sa entrance? Mga lintik na PPLIC! at may branch na sila sa 2nd floor. The last time na nandun kame ng mommy ko wala pa yun at wala pang PPLIC! ngayon may branch pa ang mga walangya! ibig sabihin wala talagang ginagawa ang IC kahit madame ng reklamo mga tao sa PPLIC at patuloy parin ang panloloko ng mga yan. kainis talaga.
Hi! I’m Julie Noval, I have read all the blogs! Â I’m also a victim of this insurance for 2years and 2months! Reading all these blogs in the made me realize to cancel my insurance with them since august of this year.
However, the branch (cebu) that I signed up with told me that I will only get the cash value of around 20k when in fact I have already given Prudential 67k till august 2011!
Please help me on how I can get refunded of the total amount I have been giving them. The monthly deduction to my credit card and also the refund of my initial payment…. Pleasssseeee…
Anyone, please e-mail me on what next step I should do! diday_19@yahoo.com
Thank you Sooooo much in advance
@julie ann: oh my god! ang laki…my god mahirap na po yan eh…nag email na po kayo sa IC?
@Katherine : I’ve been waiting for someone to answer me… Thank you Soooo much!!!! I have e-mailed PPLIC main office kun Ano ang possibilities if I will cancel my plan with them considering yung sinabi ng agent na cash value Lang daw makukuha ko… And I have e-mailed this to pubassist@insurance.gov.ph na rin Kung ano ang ma I-suggest nila on what I should do! Hay…. Malaki na nga… Actually OFW ako…. And ng settle na ako sa pinas since august.. Then from that month I have contacted them that I’m cancelling my plan.. Kaso yun nga! Cash value Lang! That’s why I’m searching on the net if Kung paano ko makukuha ang whole amount na yun…. Please help me kat kasi saying din yun… Pinagtrabahoan din yun gaya ng lahat nation dito…. Pleaseeeeeeeeee helllpppppp….
@julie ann: taga dito din po ba kayo sa manila? nagtry na po ba kayo mag consult sa lawyer or pumunta sa main branch nila? may website po ang IC eh. yang pubassist parang wla naman po yan eh..nakakagulat nga po kasi 2 years tapos 20k lang makukuha nyo parang kalokohan? yun lang po kasi yung pwede ko maiadvise sayo magpunta or email po kayo sa Ic pero matagal po silang umaksyon…believe me marame na po akong nakilala dito sa blog nato na nakabinbin parin sa IC ang problem nila sa PPLIC…yung akin po kasi hindi sya lumampas ng 15 day period kaya madali kong nakuha yung pera..buong 24k din yun…pero pagkakatanda ko sabe nga po sakin ng PPLIC nung nagoyo nila ako malaki na ang makukuha kapag nakalagpas na ng 1 year eh lalo na po sayo 2 years na..I suggest po hanap ka na ng legal help kasi di din biro ang 67k
Hello guys, naexperienced din pala ninyo ung sa PPLC na alarmed tlaga ako ng mabasa ko mga complain ninyo about sa company na yan… guys ano the best kung gawin kahapon lng tlaga nila ako nabiktima..kaya pla tlaga may doubt ako sa kanila..
Umatras na sana ako kasi ang sabi nila 45mins.lang tlaga yung time na hininge nila at gutom na ako pero nagpupumilit sila at sabi ko bibigyan nila ako ng time na magpaalam sa taong naghuhulog ng pera sa account ko, pro sabi nila d na daw pwede kumuha sa ibang araw.. at sabi ko d tlaga ako magpagdecisyun pro sabi ng presentor etry lng daw iswipe ATM ko kung approve ba o hindi nagulat nlang ako may resibo na lumabas wala ako nagawa kundi sumunod sa kanila dinala ako sa room at lumapit sa akin ang isang customer service daw..nag ask pa xa kung willing ba tlaga ako sa ginawa ko ang sabi ko may doubt ako tlaga at di ako sigurado at ecancel ko pro sabi nya kakausapin daw muna niya mga kasama niya pumasok ulit sa room ung presentor at kinausap nila ulit ako mga 15mins.daw at dahil sumakit na tiyan ko sa gutom napilitan akong mag yes ok na para lng madali ang lahat… pagdating ko sa house d ako mapakali kc mas something tlaga akong napapansin sa kanila..oo tama pinilit nga nila ung tao..at hanap sila way para mapa oo nila eto..ng makabasa ako sa blogspot about sa kanila mas lalo ako na alarm.please guys give me advice kung ano gagawin ko 19937 ang kinuha nila sa ATM. ano dapat gawin para maibalik yun?
@ailyn : cancel your plan with them now na! You still have the right to cancel it out….. Just few days back I knew about this 15days that u can view and review ur plan… Cancel mo na ngayon na!!! Read all the blogs here…. Para may idea ka! Hope you will get back your money! As for me… D ko alam if I can get everything back! I guess it’s too late for me na….
@ailyn: ipacancel nyo na po agad. gawa po kayo ng cancellation letter at balik kayo sa branch na pinag kuhanan nyo..para ipacancel..kalokohan na di nyo po makukuha ng buo kasi sakop pa ng 15 days yun…sana u insist po na irelease nila agad ang pera nyo asap! basahin nyo po yung mga nakasulat dito…para magkaroon po kayo ng idea. pwede po kayo magsearch ng sample ng cancellation letter…pacancel nyo na po agad para mablik pa ng buo pera nyo.
@Samantha:anong problema mo? PPLIC AGENT?
@Samantha: oh yeah ikaw din masyado kang nakabantay ah!
The best government regulatory body that you can send your complaints regarding this is the Insurance Commission. There are certain protocols, regulations and code of ethics that insurance companies must comply under the provisions of “Good Governance” and “Anti Money Laundering Act” (AMLA).
hi,
just want to advise everyone that I am also a victim of this. i was a former ofw and last year, i availed the endowment plan, believing that it was a savings scheme, as what was presented to me by the agents in sm megamall. 1 year after making the contri, i finally returned in the phils for good. then, i advised pplic that i will cancel my plan, only to find out that out of the 35T total contri i made, i was only eligible to receive 7T. i made the request for cancellation last july pa, and up til now, no action has been made. so, i decided to personally file a complaint at INsurance Commission. In IC, I was asked to file a formal complaint and was advised to come back on dec 1 for a face to face discussion with pplic’s lawyer. with this, i call on the other victims, if you wish, to come with me, and let us all prove to IC that there is indeed, misrepresentation and deception from the side of pplic. initially kasi, the IC told me that they can’t do anything once the client signed the auto debit form and contract of pplic. i told them nga, na i was deceived in the first place. kaya nga naghahabol ako for my money. it was hard-earned money!
for those who wish to join me in this crusade, please send in your email at czariwich@yahoo.com. if you also happen to have legal knowledge on the governing laws for insurance, i would love to hear that as i really plan to study my moves and prepare for the face off on dec 1. by the way, in case you might be interested to know, the face off will be at 10 am on dec 1 at IC office in UN Ave. thanks.
@czarina: kung nasa pinas lang sana ako sasama talaga ako sayo. nxt year pa kasi uwi ko, magreklamo din ako. grabeh ang panloloko ginawa ng mga taga PPLIC na yan. Bakit hindi yan sila nasilip ng government natin! dami na ng nagreklamo. ang perang pinag-hirapan natin kokontrolin pa nila, magpasalamat nga dapat ang PPLIC sa atin kasi nakinabang sila sa pinaghirapan natin para makapag-invest. Ang kakapal ng mukha ng mga agent ng PPLIC mga wlang konsensya.
grabe talaga yan! muntik n kong maloko din buti n lang nag search muna q s google at nkita q yng video ng XXX. Thnk you tlga sa nag upload nun. kya pla pilit nila q pinapapunta agad this afternoon. Kaso tlga nag-isip muna aq mabuti kc ndla n q dn s PARAGON INSURANCE. nadale aq yon up to now nagdurusa aq s pagbabayad ng premium kahit tapos na ang insurance coverage. Dapat tala maparusahan yang mga ganyan kumpanya pati PARAGON INSURANCE imbestigahan nila. GRABE SILA MGA MANLOLOKO. KAYA DI UMUNLAD ANG PILIPINAS EH MARAMING MGA SALBAHE TULAD NILA. INSTEAD NA TUMULONG SA KAPWA PINAPASAMA PA NILA
I’M CALLING THE ATTENTION OF THE INSURANCE COMMISSION, KALA Q BABANTAYAN NILA ANG PHILIPPINE PRUDENTIAL, BAKIT PO UP TO NOW RUMARAKET PA RN SILA CONTINUES PA RN PO ANG OPERATION NILA IN THAT SAME MANNER. THIS AFTERNOON SABI NG KAUSAP Q S PHONE C MS. ABALADO, MERON DW MG KE CLAIM NG REWARD FROM MINDORO P AND BATANGAS, KAWAWA NAMAN SILA
hay naku di na talaga natigil yang mga bwisit…nayan..wait lang kayo..
i received a text messages from Phil prudential life Inc saying that i won a scholarship and extra rewards and giving their office address here in Cebu for claiming. Tinawagan ko kaagad at ang sabi ni Ms leslie na kailangan daw nila ng 3 valid ID’s for verification. At first naniwala naman ako, buti nalang before i went their nalaman ko na scam pala. Thanks GOD, you have a page like this…
@mylene: hala!! meron din ako ganyan.. tatlong 2 years computer scholarship.. den yun isa nakuha na ng FRIEND ko kasi here ako sa zamboanga ehh..so pinakuha ko sa friend ko…so meaning NOT SCAm..?? tumawag pa nga sa amin ang company name nya FRITZ NINO GONZALES…waaaaaaaaahhh… help me!!!
OMG!!! Di ko sure kung na-scam na ko… Ganyang-ganyan ung nangyare saken just last night. May mga documents ba silang pinapa-sign with the credit card bago ma-credit ung insurance na sinasabe nila? Di ako pumayag na kumuha pero di ko pa rin sure eh… kinakabahan talaga ako!!! Pls help!!!
hi ms katherine!!! although i said no naman sa kanila at di naman na-swipe ung card ko at wala din naman akong pinirmahan na receipt or other documents about the insurance, worried lang ako kase tiningnan nila ung card ko at ung mga informations na nalaman nila dahel i filled-out an information sheet… possible ba na may makuha sila saken. i called my bank eh ang sabe sa soa ko na daw maki2ta kung may io-auto debit sa account ko… pls help naman po!!! thanks po!!!
hi, thank you very much for the very informative site…I’ve just received a call from Carla of Philippine Prudential Life located daw sya in front of SM Bacoor and she told me that i’m entitled for their life insurance fully paid thru referral daw and i have the chance to win P50,000.00 upon showing my 3 valid IDs, ATM or credit cards. I asked them kung sino ang nagrefer sa akin, but “wala daw silang details about the person all they have is my name and contact no.only” at first medyo nagtiwala ako coz they assure na wala raw akong icacash out or even babayaran after i got the reward. Cguro instinct na rin dahil sa dami ng mga scams na lumalabas, i’ve checked here and thank God napunta ako sa site na ito…now i know what to do. Thanks again & God bless!
@ysa:no the moment na may mabawas sa card mo magreklamo ka agad sa kanila lalo na kung di ka naman kumuha ng insurance..
waaaaaaaaaah! i just had the same experience today!! ngayon lang kakauwi ku lang.. ang tanga ko!!! huhu
ako din kahapon… di aq mapalagay..
bukas ipacancel ko na ung plan ko! salamat meron tong blog na to… sa susunod iresearch muna…
mejo ok na po ako, pero minomonitor ko pa rin… mahirap na!!! thanks ms katherine!!! =D
@ysa:ur welcome po..
may na receive akong text kani-kanila lang.. ms. lerma abad.. tga philippine prudential daw.may ibinigay n landline 755-1532
-tinawagan ko agad.. nbanggit niya n may 3 rewards dw ako n dpat i claim.. free insurance, scholarship s datamex at raffle coupons… need lng daw magpresent ng 3 ids. mejo duda na po ako at aware n po ako s mga text scam.. kya ingat ingat n lng po tau.. wag po tau maniniwala agad s mga rewards-rewards n sinasabi nila. dun po sa mga nagoyo nila sana po mabawi ninyo ang mga pera ninyo.. may God help you all..GBU
kagabe, pauwe na ko galing Veterans Memorial Medical Center dito sa may North Avenue, bumiyahe ako papuntang SM North Edsa kze andun iyung terminal ng FX papuntang Novaliches pero naisip ko na dumaan muna ng SM North sa loob para bumili ng ulam namen ni Misis at ng anak ko na 1 y/o, habang nasa loob ako’t naghahanap ng mabibilhan ng dinner namen family, merong isang boyish looking girl na lumapit sa’ken at nagpakilala na siya si Gina at taga-Philippine Prudential Life Insurance Company Incorporated siya at pinapili ako kung ano daw ang gusto kong mapanalunan: Honda City o Trip to Macau for two, wala daw akong ishe-shell out na pera at all she’s asking me is bigay ko lang daw iyung 45 minutes kong oras para makinig sa products/services nila, and a chance to win those two prizes pero kailangan ko daw maglaro ng matching numbers ala slot machine game, 9pm na non pero naisip ko na baka naman totoo ito pero sa una pa lang hesitant na ko sa kanila pero masyado ang convincing power nitong Gina kaya napa-oo din akong sumama, and then ask niya ako kung meron daw akong existing na credit card, sabi ko wala, tapos ATMs daw, sabi ko meron akong tatlong ATM ask niya kung magkano ang amount sabi ko, bket mo kailangang tanungin ang amount ng ATM ko kung hindi naman ako kukuha ng produkto niyo, sabi sa’ken requirement daw iyon para makapag-laro ako ng game nila, in short sinamahan ako nung GINA na mag-balance inquiry dun sa ATMs ko, and then after that proceed na kme dun sa main office nila, dun sa promenade, sa kabilang building ng SM North sa may annex.
so habang andon na ako, nagmasid-masid na ako sa kanila pero hesitant pa rin ako, tapos tinawag na ko nung sa information at qualified daw ako sa prizes nila pero kailangan ko daw makinig sa product/services nila for 45 minutes, sabi ko ang tagal naman, and then gusto ko ng mag-back out pero sabi nila, sige na sir andito na kau wala namang mawawala sa inyo, so sabi ko, sige na nga, bigla silang nagpalak-pakan…
andon na ko sa loob at iniinterview na ko ng a certain Clara, and she keeps on convincing me na kumuha ng policy maski yung pinaka-mababa lang nilang policy tapos she keeps on asking bout iyung kung how much yung laman ng ATMs ko, tapos sabi ko dun sa Clara, to be honest with you hindi ko kilala iyung company niyo at iyung parents ko na-scam na diyan at meron na rin akong ibang insurance company na hinuhulugan, tapos ask niya ko about ENDOWMENT, sabi ko alam ko yung word na iyan, iyung isang inusrance ko, 20 years endowment ang kinuha ko pero di ko na sinabi kung anong company iyon, tapos sabi niya na 1k plus lang sa isang buwan for 7 years and then kung ayaw ko na puwede ko na raw i-refund, sabi ko ayoko nga kze meron na akong iba, tapos dumating pa kme sa point na para ma-convince niya ako ay ginamit pa niya iyung mga future ek ek dreams, career, family, etc, sabi ko kahet anong gawin niyo sa’ken hindi niyo ako mako-convince na kumuha sa inyo and besides ang point ng pagpunta ko dito ay iyung prizes niyo hindi iyung policy na i-oofer niyo sa’ken at besides sabi ni Gina, bket ako ang kukuha niyan, so sa madali’t salita di nila ako napa-oo pero pinaglaro pa rin ako ng slot machine matching game number and binigyan din nila ako ng freebie na wall clock,,,ang mali ko lang eh nakapag-bigay ako ng konting information bout myself like my address pero iyung mga information bout my ATM, wala silang nakuha…mabuti na lang at TUSO AT WAIS din ako….thank God.
@ysa: as long as hindi mo binigay sa kanila iyung credit card mo during the time na nilu-lure ka nila na kumuha ng pre-need insurance nila at wala kang binigay na anumang information about sa credit card mo, KAHET IYUNG ACCOUNT NUMBER MO, ay good to say na safe ka na di nila makukuha cash mo sa credit card mo, kung sa ATM naman basta na sa’yo ang ATM mo at hindi nila alam ang ACCOUNT NUMBER at Password mo, safe ka pa rin….pero ang una talaga nilang ask eh kung meron kang credit card, second na lang iyung sa ATM kung wala ka nung nauna….
hi just want to know lang..kahapon kasi naloko din ako..though 3300 ang nakuha sa acct ko.. yun bang 3300 ko na un pwedeng magbawas na din agad s account ko? kasi kung ganun man,iclose ko nlng ung s atm ko n un… need reply..thanks!
@eds: saan ka naloko, sa SM North din ba, anong account iyon, Credit Card ba o ATM, binigay mo ba sa kanila iyung Credit Card o ATM Card mo, kung gayon kailangan mo talagang pumunta sa office nila para ipa-cancel iyung pinirmahan mong policy, kung hindi mo na makuha ang 3.3k mo, pasalamat ka na lang at 3.3k lang iyan at hindi umabot ng 10k gaya ng iba….
eto na naman tong jhuztine na to na tatanga tangaa mukang binayaran na naman ata ng PPLIC…sang milyon na nagsasabe naloko sila nagbibintang paba yon?bobo magsasama sama kayo ng PPLIC mo pare pareho kayo mga manloloko kala nyo nabibili ng pera mga tao palibasa muka kayong mga pera mga bobo mga tanga mga inutil fuck you kayong lahat..
@eds: kung ganon man ipaclose mo nalang pero kung ginagamit mo atm mo ipacancel mo po..
soorry ayoko na pumatol sa mga lowlife nayan kaso pag nakakabasa ako ng mga ganyan di ko mapigilan mga bwisit talaga….last na to karmahin nalang sana kayo sa mga ginagwa nyo
@katherine: kahapon, dumaan ulet ako sa SM North Edsa at iyung sinabi nila na last day na raw ng promo nila nung Sunday, nagkakamali kayo….andon pa rin ang mga kampon ni Satanas na taga-PPLIC at nang-hihimok pa rin ng mga mabibiktimang mga kliyente at andon pa rin iyung binanggit kong Gina na boyish looking girl at kinol pa ang attention ko na boss nakuha mo ba iyung freebies niyo, sabi ko wag niyo na akong paikutin at SCAM kayo lahat, SCAM kayo, tapos sabi ko dun sa mga kliyente nila mga dalawa ata iyon na wag kayong maniniwala diyan at SCAM iyan, SCAM iyan, isinigaw ko,,,tapos merong dumating na taga PPLIC na dalawang lalaki at mukhang bouncer ata dahel malaki ang mga katawan, ni-ready ko na iyung baril ko na naka-sukbit sa medias ko sa paanan ko, natunugan ata nung isang lalaking taga PPLIC na meron akong kinakasa kagabe kaya dumistansiya rin sila kze nagbulungan silang dalawa,,,hindi rin ako nilapitan nung dalawang lalaki at kusa na lang din ako umales kze nakakatawag na ng pansin sa security ng SM at baka makapkapan pa ako at mataas na rin ang tinig ni Gina, iyung nanghimok sa’ken na tibo…..
same here,now lng a few minutes my tumawag sakin d2 sa bahay hinahanap daw ung asawa ko.and ang nkasagot ng landline ay yung bayaw ko at sinabi nyang wala nasa abroad kuya ko.may asawa po ba sya opo nandito at binigay nga sakin..kayo po ba asawa ni Mr.ano pong name nila.kasi po matagal na pong hindi nakeclaim ung certicate nyo at entittled po kau sa raffle promo ng PHILIPPINE PRUDENTIAL LIFE INSURANCE…dahil wala po si MR e kayo ang magkeclaim ni2.tanong ako…pano po xa na entittled sa ganyan e wala naman pong kming insurance na binabayaran,ang alam ko lng e philAm.meron po kming source at confidential ang nagbigay non.hindi pede sabhin.ah ok sagot ko.pano po maclaim …e2 na my id po ba kau yes meron sabi ko,voters id,bukod po don,passport,ano pa po?ah company id po meron plain housewife po aq…ah credit card?ah hnd q pa po nakukuha kakaapply plng!ah atm po mam my checkbook po kau yes meron sa inyo po nkapangalan…yes po skin un e.ah free po ba kau bukas o sa ibang araw sandali lng naman po sayang kasi bka manalo dw kmi ng 50,000 pesos.ah talaga sabi ko.san office nyo?ah d2 lng po sa my tapat ng sm marilao katabi ng BARKO RESTO BAR,anong time po kau available..?pakidala po lahat ng id’s nyo pati checkbook pra maclaim nyo.sabi ko teka muna wala bang bayad yan?wala po kaung babayaran d2 basta kailangan lng pong claim ung certificate at ipakita mga id at checkbook nyo?bukas 10 am gang 12pm free po kau sadyain nyo na po malapit lng naman.THANKS AT NAGSEARCH AKO NABASA KO 2NG PAGE NA ITO…KUNG HINDI E ISA NAQ SA NALOKO…naibigay ko pa contact number q at my claiming code pang binigay xa daw c FLORA TIRAO…MGA MANLOLOKO
@bobby: tama po yang ginawa nyo saludo po ako sa ginawa nyo kala kasi ng mga yan kayang kaya nila lahat.sana po may mga taong katulad nyo pa na lumalaban sa PPLIC nayan ng matapos na yang panloloko ng mga yan at wala ng mabiktima pa.
Hahaha! ayos kanina lang ganyan ang nareceived kong text. Buti nalang may net sa bahay at nabasa ko itong mga comment nyo. Laki pa naman ng needs namin sa pamilya ko tapos maloloko pa nila ko. God is Good talaga naiwas ako sa sakit ng ulo. Para dun sa mga manloloko sabi ng Bible aanihin nyo ang lahat ng tinanim nyo! Walang makakapigil sa katotohanan na yan kaya matakot kayo at magsisi na!
sa tingin ko hndi sila scammers, kc nung monday morning (Nov.21) my 2mawag din sa akin tga Phil. Prudential Life Marilao Branch sa tapat ng sm marilao daw, sabi nya regarding daw un sa 3 unclaimed rewards & privileges ko sa office nla, so tinanong ko kung bakit ako ngkaroon ng gnun, ang sagot nya ay finorward dw ng makati office ung number ko sa knilang branch dhil isa dw ako sa npili sa knilang referral program,tnanong ko nman kung panu ko macclaim then ang sagot nya ay mgdadala lng ng 3 valid ID na meron nman ako lahat, knuha nya cell number ko para ittxt dw nya sa akin ung exact address ng office nla,ung claiming code tsaka ung taong hhnapin ko don…pagpunta ko doon ng hapon, hningi sa akin ung mga ID ko at my pina-fill up-an sa akin ung receptionist, after nun pinapasok ako sa loob, my isang agent na ng-assist sa akin, cnabi nya ung mga benefits ng mga rewards & privileges ko, after nun cnabi nman nya ung company profile at ung product nla,at ayun inalok nila ako kung gusto ko daw ba bumili ng plan nila, ang sagot ko hndi muna (kung anu-ano mga dnahilan ko), sabi ko babalik na lng ako pg mayaman na ako, natawa nga sya nung cnabi ko eh,pero wla nmang maxadong sapilitang naganap,after nun umuwi na ako dala ung rewards & privileges ng wla akong binayaran…. sa totoo lng mgaganda ung mga plan nila kaso di ko pa tlaga afford eh,wag nman ntin agad sila husgahan, kawawa nman sila, ika nga bkit ka mgtitiwala agad sa iba kung sa sarili mo hndi mo pa npapatunayan..un lng…
@jhay:luma na yan.bumenta na yan. isip ka bago.
@Jay- masyado ka naman nagpapahalatang taga-PPLIC ka eh
@katherine: sundalo kze ako at dito ako naka-destino sa camp aguinaldo, eh that time bumisita ako sa tatay ko na nasa Veterans Memorial Medical Center at naka-confine tapos dala ko iyung 45 kong baril, tinago ko sa loob ng medias ko sa paanan ko kze mahirap ng iwan dun sa guard baka mawala pa, eh dat time napadaan ulet ako sa SM North Edsa para bumili ng pagkain namen ni misis at para na rin i-check kung totoo iyung sinabi nung Gina na iyon kung last day na nga nila nung Sunday at presto, sinungaling siya kze ongoing pa rin iyung promo nila….tapos nung napadaan ulet ako doon meron na namang nag-alok sa’ken na taga-PPLIC ng promo nila, nag-react na ko sa gigil, sabi ko, mga scammer kayo, mga scammer, sakto andon iyung tibo na si Gina at iyung dalawang bodyguard na malalaking katawan, eh hindi ako papatalo sa kanila, kahet mag-pambuno kame nung dalawang iyon, magtulong pa sila pero siyempre kinasa ko pa rin iyung baril ko kze baka ako maunahan eh,,,gud thing dumistansiya iyung dalawang lalake,,,nakatunog din na meron akong bakal….
@Jay: baka ikaw iyung isa dun sa mga bouncer na naka-encounter ko dun sa SM North Edsa eh babalikan talaga kita, tandaan mo iyan….
About 6PM yesterday 09156871480 txted me this : NOTIFICATION TO: Mr. XX… Kindly redeem ur unclaimed 5 sets of Gift Cert. for free @ PPLIC Rewards ofis. This is a PAMASKONG HNADOG 4 continue patronizing Master, Visa, JCB & AMEX card for almost 6 MOs onward… For further info u may call exclusive at 9140408/9140407 Mon-Sat 9am-7pm & look for TERESA TAN (rewards officer)
I called this morning, She gave me a CODE and arranged to pickup the gift certificates this comming Sat 10AM. She gave the address : Unit 2201 27Fl, Raffles Tower, F Ortigas, Jr. Road Ortigas Center – Infront of Strata 100.
Ang sapap ma-Entrapment ito.
@Abraham: wag mo i-entertain yan, scam iyan, kung hindi ka kze nila makuha sa ibang bagay, dadaanin ka nila sa ganyan, and try to observe, ni hindi nga dumaan sa DTI iyung mga promos nila na iyan….kaya mahahalata mo talagang bogus…
@ bobby, yes un atm s bdo..ayun nga thankful na un lng nbawas.
@ katherine, yes pinaclose ko na at ngapply for new account.. if me magagamit man s 1 yr n un sa halagang 3,300, try ko na lang gamitin..tapos un na..bahala n sila.. basahin ko pa mabuti at pagaralan, baka mamaya may new strategy nanaman para maicontinue ang account sa knila di ba?…sana lang pangatawanan ng insurance com ung pangako nila…
@bobby, sa sm southmall sila…las pinas..kalat na ang mga kampon…heheh!
@bobby: ah kaya po pala. mabuti naman po at nakahanap ng katapat sayo yang mga yan. dapat talaga ma media na yang mga yan para matigil na.
@abraham: wag mo po ientertain yan mga manloloko yan lalo na sa txt..di na talaga natigil mga yan.
@eds:ah good for you po. wala na po un once napaclose na.|
@terrence: oo nga po eh. mga taga PPLIC desperado…Isip kayo ng mga bago.
@bobby: like nyo po yung anti-pplic sa facebook.
Putang inang PPLIC -Philippine Prudential Life Insurance Company na yan, sobrang manloloko, txt ng txt kesyo nanalo daw ako ng 4 sets of GIFT CERTIFICATE.SINABE NILA MAGDALA Ng ID pero mas mgnda daw kng credit card TO IDENTIFY daw N AKO NGA YN HAHAHA..lagi ako tintwagan n ang name ay JHONNY FORTALEJO, BLU SIMON .. WAG KAUNG MANINIWALA DTO DHIL WLA NG MTINU SA KANILA.. ETO ANG NUMBER NILA 9140285 NA LOCATED DAW S ADDRESS N Unit 2201 27Fl, Raffles Tower, F Ortigas, Jr. Road Ortigas Center – Infront of Strata 100.
)
BE AWARE GUYS ISA DN AKO SA NABIKTIMA NILA MAG INGAT PO TAYUNG LAHAT. . CONCERN PO AKO SA INYO AT TAKE NOTE “WALA NA PONG LIBRE SA MUNDO NGAUN”
@honey: thank you sa concern..spread the word po para wala na maloko.
dini-DTI lang ang isang promotion if u are required to purchase something,.. peo pag hindi naman, DTI wont ask for it… try to ask DTI pra maclarify sa inyu
Please see the update at the top. It’s been years and now they have explained themselves. I posted their letter because I believe it is fair that we listen to their official statement and not the crappy comments and cat calls we get here. Decency begets decency. Kudos to the new leadership for meeting this challenge head-on. It is only fitting that they give us information so that the people will not panic and be duped of their hard-earned money.
ganun naman pala eh kung ganyan ba naman ang style ng PPLIC di maganda walang problema hindi yung nanghaharass at namimilit bumili ng policy nila. Di kung ganyan kayo walang problema. walang mag babad mouth sa inyo. i propromote ko pa yang company nyo. anyway malalaman ko naman kung totoo o hindi yung mga pinag sasabe nyo.pero kung ganun man good for you PPLIC!
bakit taon pa para kayo umaksyon? naman!!
@Arpee: it’s the common interest of the public that matters. If the company is not doing its mandate regarding their products and services and doing unjust marketing practices, well we have to take some actions and pursuit a legal action amongst their employees. We have to consider the basics and petty comments we get here because these are first-hand experience from their disgruntled clients.
Also, I’m just wondering how come they are not suing those independent contractors and their employees so as not to create an atmosphere of collusion between their company and these much-maligned independent contractors and their employees.
guy un sa akin nagpacancel n ako nun,last Nov.16,pero npapayag nila ako pumirma nun Nov 9.And now still waiting p din sa refund ko, they owe me 19937 to be exact in my BDO atm card.
Sana mabalik sa akin un xe sobrang kelangan ko talaga un.=(
Tumawag nga ako now for the follow up, xe its been 2 weeks n nun pinacancel ko,bkit wala pa din?
Tapos ang sabi daw ay 30-45 days un hintayin ko,grabe talaga sana naman kung cno po ang pwede tumulong sa akin para mapadali un pagkuha ng pera ko,xe di naman ako myaman,simpleng tao lang po ako,at inipon ko un ng matagal,tas gnun na lang.Di ba prang unfair naman yata sa part ntin. PERA N NGA NATIN UN TAPOS PINAPATAGAL P NILA?
@bobby i wondered about that myself. all i know is that those were the ways of the former leadership, which according to mr. estrera, they are now in the process of cleaning up. the insurance policies are legit naman, and that was never the issue in the first place. it was the super hard sell that literally preyed on people who didn’t know any better. at least now there is a number for people to call and get valid information from. for now, it’s a good enough start rather than having everyone scamper for information, sabi-sabi and whatnot.
@Arpee: at least the company is in the process of rebuilding/cleaning its backyard, even setting up its information center for their would-be clients…this is a better way to eradicate the scammers by calling first its mother company before entering into a transaction.
These people are still bugging me and my brother for quite a while now. I know they are trying to make a living but if you declined to their offer 3x already, isn’t that enough to back off?
I rarely rant but I really find them rude.
tingnan nalang po natin kung pano magiging estilo ng bagong management at kung talagang lilinisin na nila yung mga kabalbalan na ginawa nila.
OMG!! naloko aq kahapon lng, ncorner aq s sm megamall, huhuhu, buti n lng naisipan q isearch ung PPLIC, and fortunately naopen q 2ng site n to and nbasa mga comments, gusto ko n pa cancel agad this week
@jasmine:ipacancel mo na po haggang sakop pa ng 15 days kasi pag lagpas na di mo na makukuha lahat. write a cancellation letter then pa photo copy nyo po lahat ng documents pati cancellation letter. then balik ka sa branch na kinuhanan mo ng insurance.
@katherine: thank you thank you!! buti n lng tlga nabasa q mga comment dito, ndi n tlga aq mka2log kakaisip s perang kinuha nila
@jasmine:ur welome po….
Hi all, I’m an OFW. Recently got a call from a PPLIC representative offering me extended benefits (CoolLife, MERCI, etc) and asked me to pay a one time payment of PHP 4,100 plus. Napakakulit ng representative and told me that it is mandatory. Again, they’re asking me to authorize them to take the amount from my credit card but I said no since I’m planning to close my account dahil nga mag e end of contract na ako. I did ask her to provide an alternative mode of payment pati sa pagbabayad ko ng monthly payment. At first, she provided me a name tapos ipadala ko nalng daw through western union. Napaka fishy. So I declined, sabi ko dapat provide me ng offical PPLIC account number. And so she did, nag email sya under the name of Jeffrey Ponce. Di pa muna me nakakapagpadala dahil wala pang sahod. Kaya lang just 2 days later, I received an SMS from my bank na may nagattempt magcharge sa Credit Card account ko, kaya lng nag fail dahil buti nalng insufficient funds. So I started to investigate and call the bank’s hotline to verify who attempted the transaction. It was PPLIC. Sanay naman ako na kukuha sila monthly because yun ang mode of payment na pinili ko. Kaya lng, iba na kasi ang usapan. I was so upset na nangyari yun kasi hindi me nag authorize to them na magdeduct from my Credit Card na ganung amount kasi PHP1610.00 lng ang monthly ko. So, I sent an email to inform them what happened and demanded an explanation. 2 days have passed, wala pa rin response. Now, after reading the thread on this website. I am definitely decided na to cancel the policy.
Call their hotline number am quite sure if an agent was trying to do that, they will fire him/ her. And I think their calls are recorded so, basically u have some proofs to show…
Someone I know got ripped by this company. I can’t believed he let them swiped his credit card. He doesn’t appear to me as someone who is easily duped. Their marketing strategy is really working but it’s unethical.
lintik! sabi ko na nga ba… bakit pinuntahan ko pa ung datamex scholarship na un.. na-swipe credit card ko at atm ni misis. 2 pa kami nabiktima… kagabi lang nangyari ‘to, wala sila pasok pag sunday kasi sa Ruffles corp tower ako pumunta. papacancell ko na agad.. sabi pa nung supervisor nila, once na pumasok ka dito, hindi na pwedeng ibalik un..pano un, wala pa kami kopya nung policies pati ung Policy number kasi beyond office hours na kami nakarating, around 7pm na. ipapadala na lang daw bukas or tuesday.. kaya pa bang mahabol un? thanks sa info mga bloggers!
bkit gnun, ako man around 6pm to 9 pm ako andun s office nila pro nprocess nila mga papers ko, ung mga policy, contract, etc,, basta pag naipadala kagad papers mo, ipacancel mo n kagad, last nov 28 ako nbiktima, then pinacancel ko kagad ng dec 1. basta pag wala p 15 days marefund mo p pera nyo..
@jasmine’sana nga.. thanks sa reply,, sana maging ok na. di ako makatulog dahil 30k ang makukuha nila samin ng misis ko…ano nga palang ginawa mo sa letter of cancellation mo,ipinasa mo sa main office muna o diretso na sa branch kung saan ka pumirma sa kanila?
Salamat sapag share nyo kakatangap ko lang ng tawag from Prudential Life, dito daw ang office nila sa harap ng SM Bacoor at isa ako sa mga lucky winners ng free life insurance a 2 years scholarship and 3 coupons. E ready ko lang daw yong 3 valid ID’s ko at makukuha ko na itong napanalunan ko ask ko kung bakit ako nanalo dahil never akong nakipag transact sa kanila refferal from clients daw nila na kakilala ko. No money involved daw dito tapos tinanong nya ako kung may ATM card ako sabi ko wala akong pera sa banko at wala rin akong credit card. So she is expecting me tomorrow morning so i can claim all those prizes. Hindi naman ako pupunta ngunit gusto ko lang e share sa inyo dahil a few months ago tinawagan din ako ng Makati office nila at sinabi na nanalo ako ng kotse which is too good to be true. Huwag nyo na lang pansinin kung may mga taong nagtatawag at nagsasabibg nanalo ka ng kung ano ano.
pano po gagawin ko mag 1 yr na po kami naghuhulog ng asawa ko s PPLIC..pagkatapos po magsend ng cancellation letter ano na po gagawin mr arpee??Tska pano po un parehas kami nasa abroad ng asawa ko..thanks pahelp nmn po
it was a nightmare experience good thing d aq nag oo agad it was my first time na namansin ng ganyan last month sa sm southmall sbi skn raffle lang daw na ipifill upan lang nxt thing i know dnala nko sa office nla ang daldal ng babae feeling close ang oa nga e kesyo wag ko dw sya kalimutn if i win a car blah blah tanong ng tanong sa credt card ko i refuse to show my cc info wag daw aq amgworry lahat dw dun may cc naman,45 minutes lang dw aq dun then d ko na namalayan 2 hours nko mahigit na nakknig ang ingay sa board room nla parang market as in snabi ko nmn sa girl nung una lang na d ako bbli ng kaht na ano,sumasakit na ulo ko sa kaka paliwanag nung agent as in ayko nga kht anong offer nya na amount it was awkward nga kc she made me feel kurifot aq gnun but still i refuse i was tryn to walk away d dw aq allowed they have this proper exit feeling ko ayaw tlga nila mag paalis ng wla man lang sila nahihita kaya na pilitan nlng aq kumuha nung 3hundred something na walk n insurance daw naawa aq sa mga kids na alaga ko kc hnhntay nla aq it was a lesson learned for me beware to all buti nlng kundi sakit sa ulo !!!!
na pagod aq para sa ecobag na may name ng company nila aynko
Hi All,
Nanlumo ako habang binabasa ko ung thread na to. Di kasi ako mapalagay after ko ma persuade na magavail nung plan (insurance?) na sinasabi nila. Ang pagkakasabi kasi sa akin is parang nag-iipon k lang. Same with the others, pinaunlakan ko ung paanyaya nung agent for the raffle and for the gift lang. There came the one on one talk and mabilis ang pangyayari na na-convince akong iswipe ung atm ko at napapayag akong i-avail ung plan. 19,300 plus pesos ung initial deposit but good thing wala akong ganung halaga sa atm ko. Nag-ask naman sila if magkano kaya ko so sabi ko 5k lang wala raw 5k, 6k raw and naconfirm nung kinausap ko, Danica name niya, sa manager nila na pwede raw 6k. Ayus nabawasan ng 6k ung pera ko sa ATM. Palabas na ako ng mall nung nafeel ko ung panghihinayang sa binayad ko. pambili ko talaga kasi ng Cellphone un this Christmas. Wala akong nareceive na contract kasi hindi pa ako nkakapagbayad ng full pero meron akong certificate (I think for insurance yun) at tsaka ung sa free dental na booklet. I need help. Kailangan ko rin ba magpasa ng cancellation letter sa kanila? Anu mga steps na dapat ko gawin?
Kahapon ako nanggaling sa SM Megamall 5th floor and I want to cancel my application sa kanila tomorrow December 8, 2011.
Please Help.
@eli:yup kailangan mo magpasa ng cancellation letter bago mag 15 days kasi pag lagpas na di mo na makukuha buo pera mo. mahirap na.pa photocopy mo lahat ng documents na galing sa kanila kasi ibabalik mo yun sa kanila. pati yung cancellation letter mo.pa photo copy mo basta kailangan may copy ka lahat..magbasa ka po dito sa blog marame kang malalaman.
woah! thanks for this information. i juz recieved a text from this PHILIPPINE PRUDENCIAL. the message goes like this
Frm: PHILIPPINE PRUDENCIAL
FINAL NOTIFICATION:
Good morning…
this is mr. LOUIE SUNGALON from PHILIPPINE PRUDENTIAL RELEASING OFFICE BACOOR BRANCH
we have been trying to reach you regarding your UNCLAIMED REWARDS. please call at hotline numbers
*BACOOR OFFICE*
(office hours 9am-5pm)
046-4817502
046-5711194
046-5711195
046-4817506
your prompt feedback will be highly appreciated
thank you and god bless.
(disregard if claimed)
so, after i read the message, which really smells fishy, i grabbed my mac and googled the said company. and thanks to this site for the information, i felt better that i did the right thing by researching it bfore jumping into conclusion
I also just received a message from philippine prudencial saying this is their final notification. that i have to claim my rewards..etc. i hope these people who dont have conscience be caught by the authorities and be put into prison for a very long time.
Guys, need your help! nanggaling ako kanina sa Raffles Corp Tower sa Pasig. kung saan nila ako nabiktima. pag ipacancel daw namin ung insurance, wala kaming matatanggap na kahit ano! hindi ko maipaglaban ung right ko kasi wala akong nakitang Policy No. 11 sa mga ibinigay sa akin.. meron lang naka-note na 15 days free look period, ang hinahanap ko ung sinasabi ninyong 15 days no obligation period… ang inooffer na lang nila amin e icancel ung isa with full refund at maiiwang active ung isa. bale 2 kasi kami ng misis ko ang nabiktima nila…please reply….
guys, Mr Arpee, just want to ask kung saang website mo po nakuha ung letter ni Mr. RODOLFO C. ESTRERA
Assistant Vice President and Head
Corporate Communication and Planning Office na naka-post sa itaas(green background) gusto kong ipamukha sa kanila ung message na un… hindi kasi sila naniniwala sa mga post sa blogs… paninira lang daw… please reply thanks!
Guys, I also read this before going to their office. I’m 100% not affiliated with Philippine Prudential. I came to their office in Sta. Rosa, Laguna all the way from Batangas City although I felt really bad because of the most blogs in here just to confirm the truth.
@sir arpee boss ask ku lng if there is a way na makuha ng buo ang binayad mu sa endowment plan w/ cashvalue nag start po ko mag avail ng plan noong july2011 and nag start ung deduction sa atm ko last oct2011 makukuha ko po ba ung binayaran kong 20k? tnx po
hi to all,
sad 2 say, isa rin ako sa mga na biktima nila sa ibinebenta nilang insurance policy. bka meron sa inyo mkkpag bigay advice or direksiyon kung paaano ko ccmulan habulin ung full refund ng pera ko. pano at saan ba pede mag complain pra mapilitan clang mag refund?
kung meron sa inyong nag file ng demanda laban sa kanila, count me in. email nyo lng ako d2 freefall25@mail.com.
sana ma2lungan nyo ako ma resolve itong pangloloko nila.
god bless to all.
naging biktima din po kame ng Prudential Life Insurance,26k po nakuha nila sa credit card ko. Inutusan lang po ako ng nanay ko to claim her rewards,dahil may nagtext daw sa kanya na nanalo sa raffle yung account nya sa health card.Pinagdala nya ako ng 1 valid ID at credit card ko ksi daw un ung required na proof of identification.the negotition last for 3 hours.nung lumabas ako ng Robinsons galleria sa Ortigas,at cnabi ko sa nany ko ang nangyare tinawagan nya ung Prudential Life after 3 days to cancel the plan,pero ni refuse nila ung cancellation..Would it be possible na makuha pa namin ung pera kahit na 2009 pa un?nasa amin pa ung mga signed documents pero wala na ung OR.sana nmn po matulungan nyo kame, for xmas sake..madali para sa kanila ang manloko ng tao,pero hndi nila alam kung gano ang hirap na dinanas ng mga taong nagtiis para kitain ang perang NINAKAW nila…please contact me,if you know how we could push through refund our payment..indonesian_dagger@yahoo.com.thanks
naku guys mahirap na po kasi yan kapag lagpas kana ng 15 days..un po ung lage ko sinasabe sa IC na po kayo dapat humingi ng tulong dyan.ewan ko lang po sa IC mukang mbagal din naman.anyway try nyo narin po dun..
Infairness ha! nasa Robinson Manila ako kahapon and nakita ko ang PPLIC!nag obseve ako kung lalapitan nila ako then lumapit nga sila. sa isip isip ko tingnan ko kung kukulitin ako nitong mga to kasi pag kinulit nila ako dun makakatikim sila sakin. pero nung nag hand gesture ako ng NO! umalis na agad yung agent.infairness mukang nagbago na nga talaga ata sila good for you.mukang tama nga si sir Arpee na ok na ang bagong management. Sana ganyan kayo sa lahat ng tao. ako naman sinasabe ko lang kung ano yung nakikita ko. Anyway lage naman ako nasa mall kung saan may PPLIC and we’ll see kung sa lahat ng branch nyo here in Metro ganun kayo.
Naluko din ako ng Prudential Life Insurance dito sa davao city. Kaltas nila sa credit card ko 21k. Ngaun nahihirapan ako sa pagbayad.6 mons ago na.ni isa hnd ako nakapagbayad bill card ko dahilan sa dami ng utang ko dahil sa boyshit! t v na pro life.Sabi nila makakatulong daw sila sakin eh bakit ngaun sila pa dagdag problima ko.My paraan paba na maibalik ang pera ko?please inform sakin.
Good Day Sa atin!
nacancel ko na policies namin ng misis ko..laking bagay ng pagpunta namin sa Insurance Commission, (kahit in-advised lang kaming pumunta sa Main Office ng PPLIC Sa likod ng Robinsons Galeria)
pero atlis free from worries na kami ni misis. waiting na lang for refund by next year na siguro un..
Thanks sa mga comments dito lalong lalo na kay Sir Arpee. thanks ng marami…..
Merry Christmas to All!
take note: laging down ang system ng PPLIC (Hindi agad nabigay ang nga policies namin kasi down ang system, at ngayon hindi na-provide ang SOA – cancelled upon Inception kasi down ang system.. ASAN kaya ang mga IT nila?)
Good day guys!
tapos after nung ngsign na ko ng forms, lumalabas medical reimbursement un or form of insurance 
wala na yung sinasabi nila na savings mo yun. help naman po. pano ko po ipapacancel. dec. 17 ko lang po inavail. thanks in advance.
Gusto ko din po malaman kung pano macacancel yung inavail ko sa kanila. like the others sabi nila sakin initial savings ko yung 8656 sa kanila. sabi nila kahit kailan ko pwede bayaran hindi daw tutubo yun sa credit card kc iba daw ang treatment dun. hindi same ng expenses mo. sabi nila sakin, ichecheck lang daw kung iaapproved ng bank pero ang lumabas is charged slip. oh my
Hi now q lng nbsa blog n to almost 2 years n q nghuhulog kc ng pina cancelled nmin 2 kmi ng pinsan ko sabi nila wla daw kami makukuha kahit mgkano kaya tinuloy n lang nmin ksi wala kming makukuha grabe talaga sila need raw tapusin ng 15 years ksi my pinirmahan daw aq n 5 years ang pghulog problema ko ngayon kc wala n ko work wala n rin natitira sa cc ko. gusto ko n tlga xia cancelled san b ko mgnadang pumunta sa main office nila ? bakit sbi nila n wala makukuha pag di mo natpos ang paghulog n pinirmahan mo sa contrata? help nmn pls. tnx
Hi to all MERRY CHRISTMAS AND HAPPY NEW YEAR sana matapos na ang problem nyo sa PPLIC..
I am one of their victims at SM Megamall. I regret getting involved with them. They are a bunch of scammers.
Do not trust them with your money.
They will hold your money hostage. If you are in a dire need of money and you are forced to cancel the policy, EXPECT MUCH LESS than of what you gave them.
You are better off keeping the money at a jar. At least you can use the whole amount during an emergency.
When you see them you it will be immediately obvious that they are desperate for your money. Ignore them and do not listen to them.
grabe nabiktima ako 2days ago, and im planning to go there para magpacancel. sana wag na sila magbigay ng kung ano anong reason. dahil yung iba nacacancel naman, kaso yung iba nahihirapan base sa mga nabasa ko. di ko rin makita yung poly no 11 na 15 days thing eh so di ko talaga alam kung pano ang gagawin ko
can i ask san nakikita yung nakalagay na 15 day free look period kasi wala akong mabasa na ganun. ang binigay lang sa kin is yung mga list ng dentists, then yung receipt, confirmation of coverage saka yung MERCI na Medical Expense Reimbursement
mint sang sm ka nabiktima? wala rin akong nakitang 15 day free look period. gusto ko bumalik pero baka wala akong maipanglaban.
Sa SM southmall ako eh. gusto ko din talaga bumalik pero same sa worries mo na baka walang maipanglaban. kinakabahan nga ko
i just went there kanina, in fairness dun sa nakausap namin, ok naman syang kausap. yun nga lang at first madami pa syang sinabi about as policy nila, pero pinilit ko talaga na mag stick sa decision ko na mag cancel, then ayun ok naman na sya, nakuha ko na yung SOA. Di naman kami umabot sa point na nagpilitan pa like yung ibang kwento na nabasa ko na talagang nahirapan sila. basta 15 days pwede yun.
guys almost 60k n nhulog ko makukuha q in 2 years lang 20k late ko n kasi nbsa tong blog n to guys alam nio b number ng IC san b banda main office nila ? kasi di namn sila ngrereply sa email ko
To Mint
Hi ask ko lang po kung sinabi din po nila sayo na 30-45 days ang processing ng cancellation? Nagpunta kc kmi ng friend ko nung 26. In fairness ok naman sila kausap pero di nila kami binigyan ng SOA, nireceive lang nila yung cancellation letter namin and follow-up na lang daw namin sa CSR nila. basta after 30-45 days daw the sila na ang magcacancel sa bank.
Thanks
asan na yung post ko dito about positive things?bat tinatanggal?loko tong arpee lazaro na to ah
Since Nov2010, naghuhulog na kami ng 1,600+ per month sa Endowment plan ng Prudential. Nabighani din kasi yun asawa ko nun napunta sya sa SM Fairview sa mga PPLIC agents. Tinuloy na din naman nya yun hulog. Then this dec2011, naaksidente sya sa work at nafracture left arm nya. Pumunta ako sa PPLIC sa SM Annex to check kung ano ma-claim namin.
It turns out, wala naman kami makuha ni singko unless ma-deads sya. =(
Waiver of monthly premiums lang kung ideclare sya ng doctor na permanent disabled. Eh dipa naman sya ganun kasi on the road to recovery pa naman sya pero ilan months din sya wala work.
Sabi ko, paano yun, wala naman din kami income habang wala sya work, paano kami makapagbayad. May grace period naman daw sila 30days. At kung di kami makabayad, maging inactive lang daw yun policy until magbayad kami.
Ang balak ko now, i-cancel at refund ko na lang un Policy namin since wala naman pala kami mapapala sa kanila. Magagamit ko pa yun pera marefund namin sa panganganak ko sa March2012. Kesa naman di naman alam kung saan kunin yun pera para ituloy yun pagbabayad sa kanila tapos wala naman kami mapapala unless mamatay na tuluyan yun policy holder.
Haaaayy…………. di ko lang alam kung hanggang saan marefund namin kasi more than a year na din ito. Masakit lang sa puso kasi kala mo maasahan mo pero eto, nabasa ko sa mga blogs about sa PPLIC at TRUE! not worth it siya.
guys tara sa imbestigador or kaya kay tulfo
Hi! Muntik na kong mabiktima ng Phil. Prudential na yan. Buti nalang at umiral ang ugali kong di agad bata basta nagtitiwala sa tao. Sa umpisa palang kaduda duda na. Sabi nila ipakita daw laman ng atm, so i did. after nun punta daw dun sa office nila for 45 mins na pakilala ng company. when i was there sabi 48 yrs na daw ang company. so i asked “for 48 yrs di nyo pa napakilala ang phil prudential, bakit ngayon nyo palang ipapakilala?” so tanong tanong, chika chika na feeling close kayo. tinatanong pa kung how much ang salary ko etc. then may pina filled up na form about my personal details. ang pinagtataka ko habang nag eexplain dun din sa form na yun sinusulat yung sinasabi nya, in short dinumihan din yung form na sinulatan ko so naisip ko na hindi itatago ang form kundi itatapon din pag alis ko. sabi nila 50k plus ang initial premium pero ang next na hulog sa july 15, 2013 pa. so ako naman kung ano anong alibi ang inasabi para makaalis na. nung nakita ng manager na hirap yung isa nilang alipores na ma convince ako lumapit sya then sabi “what if di pala 50k plus ang premium kundi 6k, papayag ka na ba?” again mas lalong tumindi ang kutob ko at ang nasabi ko “wow sir sobrang espesyal ko naman at laki ng nabawas, daig pa sa palengke”. sabi oo and this offer is only for today, kaya pumayag ka na, this is for your future. sabi ko pera namin to ng parents ko at matagal ko tong pinag ipunan kaya di ko pwedeng ganun ganun nalang gastusin and besides hindi ready sa utak ko na maglabas ng pera ngayon. so in short umabot kami sa punto na nagtaas na ko ng boses kasi sarcastic na sila at yung girl na magiliw at feeling close sakin at matalim na ang titig at parang kakainin na ko ng buhay. ang nakakalungkot lang during the time na nandun ako sa loob, marami silang naloko kasi everytime na me naloloko ina announce at masigabong palakpakan ang binibigay nila. bakit naman hindi eh may pantawid gutom na naman sila. kawawang biktima at sayo kristel at salve valenzuela na alam kong hindi nyo real name eto tanong ko, masarap ba ang pagkaing galing sa ganyang gawain?
good day!
just want to inform na naibalik na sa atm ng asawa ko ang 10k+ na nawala last Dec 3, nakansel namin ito ng Dec16. so bale 22days ang processing..naibalik ito kahapon Jan6…
ung sa credit card ko na lang ang problema… matagal ang reversal sa bangko.. sana makansel na nila agad..
thanks sa lahat ng posts…Happy New Year….
Hi,
sa Confirmation sheet(kulay blue) ko nakita ung regarding 15 days..
tsk..grabe..nabiktima rin ako kanina..kakalungkot pa is ung presentor eh Born Again Christian,parang ginamit pa niya yun sakin kasi parehas kame religion
ipasa ko na bukas cancelation..hays
guys ako din naloko nila nung january 7,2012.. panu ba natin maiimbestigador or kay tulfo? ngfile na ko ng cancellation kanina. kailangan natin magtulungan.
Help I want to cancel mine also.. last january 7, 20112 naman ako. Pls healp. Thank you
Nako pati ako naloko rin..hope mapacancel ko na ngaun. 13k+ natanggal sa ATM ko ah..Salamat at nagsearch ako sa internet.
30-45days pa daw mababalik ang pera..Tagal namn, samantalang nung kinuhana nila ang bilis.. sana makukuha ko na agad ang perang pinaghirapan ko at nang ma invest ko ng tama..
kanina sa pag pacancel ko meron akong na kilala at 2yrs na daw xang naghuhulog, tapos now nya pa lang i pacancel..kawawa naman taung nabiktima..di man lang sila naawa.
ung agent na kausap ko, parang ayaw ng tumingin sa akin..plastik talaga..
Hi Guys,
Im also a victim of these scam last January 7, 2012. Please helos waht to do.
Puntahan mo po sa office nila para i pa cancel. Dalhin mo ung original copy at pa photocopy mo rin at madala ka na rin ng cancellation letter..kasi ako dun na ako gumawa ng letter, babalik ako maya para i confirm na na cancel.
Please help me, Im also a victim of these scam.
They got 4k sa aking ATM savings account. Though it is less than compared dun sa mga amount they taken from you, still pera pa din yun. Please help me kung kanino ako mga send ng email dun sa president ng PPIC tska sa SEC. Somebody knows their email?Please help. Thank you.
hi all,
ako rin nagoyo nila. pede ba tau lahat mag samasama file ng complaint sa Insurance Commission pra nman madinig ung ginawa stin at ng makita rin nila na madami clang niloko at niloloko pa? i think mas maganda chance natin pag madami ang nag file ng samasama, ika nga strength in numbers. wat say nyo?
I’m an OFW working here in Saudi, but before ako umalis papunta d2 naging biktima din ako ng scam nila sa sm north last april 2010. 10k ang naicharge nila sa credit card ko, hindi ko yun nabayaran dahil mas priority ko yung ibang utang due to my placement fee, so ngayon lubog ako sa utang sa credit card ko and posible na makasuhan pa ng credit card company.Malas ko lng at ngayon ko lang nabasa itong blog na ito, ang swerte nung mga nakabasa nito at nakapagcancel pa. Pwede kayang maipost to sa mga social networking site like Facebook para maaware na yung ibang mga tao na posibleng maging biktima ng scam na ito at yung step kung paano nila macancel yung policy incase nabiktima sila. Thank you
Ako ok na rin kinuha nila original policy certificate at receipt..pero nag paphotocopy muna ako ng para may personal copy ako at yung cancellation letter humingi ako copy ko at pinapirma ko na nareceive na..ayun 30 days daw process… well sana mas maikli pa sa 30 days…
Pag binalik po ba pera… dedeposit nila sa ATM kung saan kinuha? cheque ba o cash?
hehehehehehe ….Mr. LEONARD & FE RENCIA mga alias na ginamit nyo dito sa PPLI …mga ulol kayo? akala nyo maloloko nyo ako…hehehehehe una nyo sinabi iisa lang office nyo…2nd una nyong text sa smart number ko… then sa sun number ko naman…kung may reward ako ipadala nyo na lang sa address ko na tiyak na nakita naman ninyo sa FB account ko……hahahahaha investigator PAPA ko at nababasa ko libro nya….kung makikita ko lang kayo ipapakain ko kayo sa Buwaya sa Surigao para wala na kayo maloko na mga tao…..kung hindi ko lang inimportante ang inuman ….5 NBI at XXX sana kasama ko para mahuli na kayo…mga ulol…..REWARDS kalukuhan ninyo….
at isa pa matagal na ako client ng Prudential guarantee at madami ako contact sa kanila….hehehehe mga ulol kayo…sino lolokuhin ninyo…libo libo binabayan ko sa prudential mga ulol………
navictim din nila ako yesterday sa sm north… nag ask sila ng 36k as initial investment daw, hindi ako pumayag sabi ko mag iisip muna ako… then 20k na lang daw, di pa rin ako pumayag… naiirita na ako, 6k na lang daw, di pa rin ako pumayag… 2k na lang daw, di pa rin ako pumayag… ayoko talaga, feeling ko kasi interesado lang sila sa atm at credit card ko… hanggang sa sinabi nila na yung presyong studyante na lang ang kunin ko worth 665 pesos… ayoko pa rin sana pero gusto ko nang tapusin yung pag uusap namin… nung tiningnan ko yung receipt, yung payment kong 335 pesos is for their product na NATURTEQ (na free daw pero me bayad pala) at 300 is payment for nothing…. buti na lang maliit lang yung naloko nila at hindi nila ako nabudol budol…. namimili talaga sila!
hi. just want to post an update regarding my experience for mediation at Insurance Commission. Last dec 3, nagkaroon kami ng mediation (PPLIC at ako) sa IC and I was requested by the IC representative not to take any video of the said mediation. I pointed out to IC na PPLIC is clearly violating the Insurance Code of the PHils due to misrepresentation. Kasi, when PPLIC offers its product, they package it as either a savings scheme (which is what they did to me) or other deceptive marketing. unfortunately, i had a feeling at that time na IC is leaning towards PPLIC. kesyo nagkaroon na raw sila ng review in the past with PPLIC management and they have already reprimanded this company for its deceptive marketing schemes. sabi ko nga dun sa IC, if they insist na they have already done their part in reprimanding this company, then why don’t they go out of their offices and see for themselves how the vultures of PPLIC try to sway people into buying their insurance products. anyway, ang lumabas pa sa usapan namin e kasalanan ko pa dahil pumirma naman daw ako ng authorization to debit my account. so to cut this short, sabi ng IC na they will give PPLIC another time to review my case. I was promised by PPLIC representative, Mary Ann Dacanay, that she will update me by Dec 8 for the results. But to date, I have not heard anything from them. Kaya by Monday, Jan 16, I plan to go back to IC and advise them of this development. It seems like what PPLIC really needs is a consolidated complaint. kasi hindi aaksyon ang IC unless narerealize nila na malaki na naman ang naaabala ng PPLIC. kung paisa isa lang, pahirapan ang pag follow up. yes, pplic is a legitimate company with legitimate products. but the point for all these complaints is, they employ deceptive marketing, they misrepresent their products as an investment or savings to lure people into buying it, when the fact remains na we will need more time to decide whether we actually need an insurance. bottom line kasi, ang binebenta ng pplic is no more than an insurance lang. and not everyone needs this product. naiinfluence lang ang karamihan na bumili because they were made to believe that they are actually buying something that would eventually yield extra money for them. people are not fully aware that insurance is NEVER about gaining. Insurance is supposedly a TRANSFER of RISK kaya nga maling mali ang ineemploy ng PPLIC na strategy na ipackage ang kanilang insurance products as a form of investment or savings. i do hope that a lawyer would see this fact kasi this is a valid case against PPLIC!
pwede ba tayo mag meet sa sm para maforce silang ibalik ung pera natin.. alam nyo mas matatakot sila pag marami tau. kita tau sa sm dis sunday 10am. oozila pwede ka bang makipag tulungan kasi may mga connection ka. sana matapos na ang maling gawain nila.. kung titignan mo talaga sila mukhang manloloko.tsk
thank God i read this, nabiktima then ako nito sa SM Cebu last Jan 12..so bad late ko na nabasa eto.. but im glad pa rin naisip ko mag research about sa insurance nila at nabasa ko eto at least i now have the option to cancel –kc nasayangan ako sa pera ko at naghinala ako how come sobrang friendly sila so parang naramdaman ko na may ibang motibo talaga sila kc over friendly talaga eh..na nag-iisip tuloy ako sa sincerity nila. thank you sa lahat ng nag share dito at kay Arpee.
God Bless Us!
Was victimized too sa SM Southmall nung January 13.. grabe, matagal an pala to, since 2009 pa! dapat ung SM managot din dito. Dapat hindi nila pinapayagan ang mga ganitong panloloko.
@keanne: There is a clause in the agreement which you signed that mentioned the 15day look-up period, so, may laban ka kasi nasa agreement to. Di nila ito inexplain at strategy nila, tatanungin ka: “babasahin mo po ba or explain ko nalang para madali?” it’s quite lengthy so you will be tempted not to read. Good thing, I read it at home; may time pa ako magpacancel.
hi guys..just want to share with everyone,,para di kau masyadong kabahan s perang nkuha inyo..naibalik n nila ung pera q s atm q..exact amount Php16,937.00..nag avail ako ng endowment plan nila last nov 28, den nagpa cancel ako dec 2..sabi nila 30-45 days processing, pero when i checked my atm, naibalik nila pera ko, dec 28..so 26 days lng..maayos nmn cla kausap bsta i pursue nyo ung cancellation nyo..pag nag offer cla ng ibang plan, stick to ur decision n cancel n tlga at ibalik ang pera nyo..
@jasmine: nagfollow-up ka ba sa kanila or you just waited for their refund? nagfile kasi ako last January 17 then I checked with HSBC, hindi pa daw na ififile sa kanila. Should I contact PPLIC na ba? tnx
nung nag 20 days na,, almost everyday tumtatwag ako s fone number n binigay nila..pero wala nmng sumsagot..3-5times/day aq ngttry tumwag pero wala tlga sumsagot..so ang plano q tlga pag nag 30days punta ako mismo s office nila, pero 28 days p lng, naibalik n nila s atm q..Jan 17 lng pala ung sau..w8 k muna, khit mga 20 days pa..
share ko lang sa inyo, kakagaling ko lang po kahapon sa PPLIC kahapon at around 3:00pm sa Robinson’s Sta Rosa branch kase po ilang times din po silang tumatawag sa amen nong December 2011 pero hindi namen nasasagot and then this january po nag text naman po sila at the same number po medyo na curious po ako kase nga po meron daw po akong matatanggap na rewards and privilege regarding po sa promo nila dahil 48 anniversary daw po nila. after po noon nagdesisyon po ako na tawagan ang mga ibinigay nilang telephone number ang naka sagot po ay si Jay Perez, so ok naman po pag uusap namen ipinaliwanag po nya sa aken kung ano po ang mga matatangap po,1)Life Issurance,2)Educational Plan,3) 5 entries for the Php 50,000 ruffle draw,hinihingian po nya ako ng mga supporting documents like 2 valid IDs ang ATM or Credit card. Ang sabi ko po sa kanya pupunta na lang po ako sa office nila pero nainiwan ko po ang ATM and Credit cards ko. Nung andon na po ako nag present po ako ng ID ko pati na di po ang Pass post ko pero ang hinahanap po nila ay ang ATM ko at Credit card so hindi daw nila mapa process. Ang sabi ko na lang sa Monday babalik na lang ako para ibigay ang mga cards pero may mga pag aalinlangan pa di ako kase bakit yon ang hinahanap nila e ganong may mga IDs n naman po ako na ipinakita sa kanila. Ang sabi nila ang mga sponsors daw po nila ay mga banks like BPI,HSBC,CITY BANK and marami pa pong iba silang nasabe…Ngayon po buti na lang nabasa ko ang mga blogs tungkol sa PPLIC dahil hindi rin po ako konbinsido sa kanila…kailanagn ko lang po advise regarding po dito…salamat po and GOD bless you all
hi! we were worried about this. nag-avail din kmi nung 0ctober 2010 before aq manganak. Dhil sa pagkabusy d q nache2ck mga blogs regarding dis company. ngaun q lang nalaman na marami na pa lang nagrereklamo about ds. pwede pa kaya namin narefund ung nahulog na namin? almost 30k nrin pala nahulog namin. Naiinis na kasi aq dhil pa-update sila ng pa-update ng bayad pero late naman O.R. na bnibigay nila. kung d q lang iniisip ung future ng baby q. d aq mag-aavail nito. can you help us wat to do?
nangyari din yan sa akin last week. thankfully, all i had given them was 2 hours of my life that i will never get back. Nagulat lang ako sa mga blogs nyo. kasi karamihan sa mga nag-avail, P6000 plus lang ang hinihinging initial deposit. In my case, P92,000 plus ang hinihinging deposit!! Kaya nga hindi nila ako napilit eh. Siguro kaya ganun kalaki ang hiningi nya kasi when she asked how much was my credit limit i said “5,000 dollars”. nag laway siguro he he. but that was her biggest mistake. kung P6,000 lang siguro ang hiningi nya malamang naloko din nya ko.
Thanks sa mga comments and info.! yung mom ko nag avail din nyan, and believe it or not naka 1 year na sya!kung di ko nakita tong page na to malamang mag babayad pa sya ulit to renew… may binigay sakanya na free Datamex na schoolarship. She use the coupon for our kasambahay kasi like din mag-aral pero nung pag compute nya same sa regular tuition fee ng Datamex yung binayaran nya last year,so it was like binayaran din nya yung tuition at hindi libre. Ewan ko kung kasama yung sa legal actions ng Phil. Prudential pero one thing is sure, di ko sya papayagan mag renew na ulit! this year, almost Php 24,000.00 din yun noh! para sure hinding hindi na… since she got her Sun Life of Canada. Thanks again.
Sir, pa help nman po! isa rin ako sa nabiktima ng prudential life, sbi ng staff nila tapusin ko lng daw ung 1 year saka me mkkpgfile ng refund guaranteed na marerefund,and un nga ginawa ko. den nareceived ko calls nila yesterday na ang result eh: NO-REFUND/CANCELLED. para akong binagsakan ng langit at lupa, P32K ung naipon ko dun using my credit cards. I called their office den ang sbi skin wla ndaw cla mgagawa un daw result frm main office nila. galing po sa dugot pawis ung perang un,tpos parang madali sa knila sabihin na NO-REFUND/CANCELLED ung policy ko. Hope my taong makatulong sakin jan…. I really need help
(((
@jasper: ganun din cnabi nila sa akin noon, til now hindi ko pa nakuha pera ko, 50k ang nakuha nila sa akin pero walang refund ang nangyari. ang galing nila manloko ng tao.
The truth about PPLIC is that it is a legitimate company but its selling tactics are deceitful. i think this is one aspect that people should know. I am a victim myself and infact I have a second meeting with the Insurance Commission on Feb 1 about this. Kasi, when I availed the product, I was told that I am availing a savings plan, kesyo this is a new product of their company. And on top of that savings plan, I am eligible to receive a FREE insurance. A year after making my contri, I found out the truth. Unfortunately, I was an OFW when I bought this so I had no chance to review the policy or the contract since I had to fly out of the country a few days after I made the purchase. I really clinged on their sales pitch na it was a savings scheme. Now, the main issue is why PPLIC gets away with this deceptive marketing. It’s a bog NO NO. kahit na sabihing this is a sales, they should still stick with the facts! Besides, that alone is a misrepresentation and it is a clear violation of the Insurance Code. At yun ang point na nairaise ko sa Insurance Comm. This thing has to be stopped or else maraming tao pa rin ang mabibiktima. Even if they say na you have the 15-day free look up and you can make a refund, the moment na may makaltas na pera sayo and you changed your mind later on, you will still be subjected to unnecessary stress. It would take you 30-45 days before you”ll receive your money back. and that time frame doesn’t include pa ung time when you inform them of your desire to cancel the plan. So, yes, PPLIC is at fault and they deceive people. This is a crime and this has to be stopped! Spread the word so that people will be warned against this company.
Still pinafollow-up ko prin ung refund ko (“net surrender”)! Nkkainit lang ng ulo coz nagtuturuan cla,pinapasa nko sa head office nila. tpos pgdting sa head office nila sasabihin skin na di totoo mga pingsasabi skin ng staff nila from sta.rosa office na pwede ko mrefund ung pero ko aftr a year ng contract ko. So obviously na “GOYO” ako??? Ang dating eh cla my pagkakamali ng paliwanag sakin, pro ako ang mgssuffer??
I don’t know why still this company operating freely, wla bang mggwang praan ang Insurance Commission/National Government about this ,sa dmi ng complaints sa knila???!!!
my dad in mindanao got a text 2 days ago from a certain FRITZ about the promo PPLIC is having in celebrating their 48th anniversary,. kahapon nagtext pa uli na final notice na daw to claim the prizes/ gift etc. tumawag pa at sabi nasa rm 308 ng keppel bldg ayala cebu ang venue to claim the *ffin’ gifts. buti na lang finorward ng papa ko sa akin yung text message kase ako dapat magrerepresent kase nasa cebu ako. i googled and found this site. true enough may office sila sa keppel cebu pero para sa telemarketer department nila. yeah their product is legit pero naman! bakit ganun style ng marketing? and panu nila nakukuha mga cp numbers ng bnibiktima nila? i read all the posts here at talaga palang ilang taon na nila ginagawa to. Maraming salamat sa blog mo ARPEE at mga posts dito. sobrang nakakatulong na mgbigay ng info at warning. at sa mga naloko ng agents ng PPLI, sana marefund na yung pera nyo..
hello poh,, ako po si michie vanie,,,, my nagpanggap na foreigner tapos ganun naging kame poh,,, sinabi niya poh sa akin na magpadala siya ng package sa akin maghintay daw poh ako mga 4 na araw ang package daw ay darating sa ninoy aquino philippines airport,,, tumawag poh sa akin cell phone ang sabi dumating na raw ang package ko kailangan ko dw poh mag bayad ng tax at bill sa airport ang sabi ko naman paano ako magbayad nasa zamboanga city AKo at ang sabi naman niya magpadala nalang daw ako sa western union para ipasakay nila daw kaagad ang package ko sa eroplano maghintay daw poh ako 6 am andito na daw poh,,,, hangang ngayon poh hindi parin dumating,,, siningil poh ako ng 10600 pesos,,, ang pangalan niya daw poh emie lee carag cashier daw poh siya ng airport,,,, pano poh yan pwede ninyo poh ba akong tulunGan para makuha ang pera ulit?
maraming salamat poh
gud pm sa inyo lahat,
May e share lang ako ngayun lang, the BDO customer service call me informing their life insurance from Prudential Life insurance company with so many benefits and claims in case you will be confine to all public and private hospitals, you will get or receive a certain amount from them for your doctors fee and hospitalization. They are encouraging to pay 702 pesos monthly and later receive a policy plan from Prudential Life Plan? They are asking my credit card too in which my monthly payment will be deduct and reflect on my monthly statement of account, Is this real? Give me an advice?
Hi..ask rin po ako ng help regarding PPLI..almost 2 years na rin po nagpapaloko..Paano ko ba makukuha ang bnyad ko..hrap pa, nclose ung BDO account ko na pnagkuhanan ng 16,800 ko..Please help nman po..Ang sabi kc last time ung nasa cash value table lng ang ibabalik.. e 37,500 na ang naibabayad ko.
Thanks @ God bless!
tomorrow punta ko sa Sm kung saan ako naloko at mgfile na ko ng letter of cancellation. Kapag tumgal at walng ngyari,,sama-sam po tayuo magcomplain sa imbestigador o kay tulfo..God bless us all!
I just want to high light this part of PPLIC Statement, which was not shown to me, when they forced me to join the stupid presentation, According to this statement I can join without buying a plan, but the agent @ SM FAIRVIEW who was forcing me to buy a life insurance or as they call it savings, disqualifies me from joining the silly raffle after i turned down his forced selling of a life insurance worth 52k,”Given that life insurance is not something that most people think about when visiting a shopping mall, we do approach potential customers and ask them if they would like to be entered into a raffle draw to win a car or other big-ticket prizes (e.g., cash and trips abroad). By simply attending the presentation, they are entered in the raffle. No purchase is required. Interestingly, many of our actual raffle winners did not purchase insurance from PPLIC.
EXCUSE ME PPLIC IM NOT GOING TO GIVE UP MY 52K JUST LIKE THAT AFTER YOUR STUPID AGENT SHOUTED AT ME AND IRRITANTLY FORCED ME TO BUY A 52K WORTH OF INSURANCE, WASTING MY TIME AND MAKING ME MISSED MY FAMILY DINNER AND MAKING MY PARENTS WAIT FOREVER OVER DINNER.
ANOTHER THING PPLIC, TRAIN YOUR AGENTS TO ANSWER PROPERLY TO A SIMPLE QUESTION LIKE WHAT DOES PPLIC GET FROM “HELPING” A CUSTOMER? YOUR AGENT ANSWERED, WERE NOT GETTING ANY. lol, meron bang nag bibenta na hindi nakakakuha ng kahit na anong benefits mula sa pag bibenta nya? duh
Guys, they are still around. Target nila actually OFW’s. I have nothing against SM MALLS pero sa lugar ninyo po sila halos nag hahasik ng panggagantyo. Ginagamit po nila ang establishment nyo. Siguro iba po ang sinabi nilang i-coconduct nila sa establishment nyo from the real operation. Dear Sir/Madame ng SM MALLS marami talaga kayong malls dito sa Pilipinas specialy Manila at marami talagang tumatangkilik pero sana even they are good payers and on time kaso kasi yung ibinabayad po nila sa inyo ay galing sa panloloko. Isipin nyo nalang po kung yung pera ng biktima eh dapat pambili sa sm department store or other boutiques na valid, sayang po ang malinis at galing sa mabuting kita nyo. Kung pwede po ma block sa ALL MAlls nyo ang PPLIC (Philippine Prudential Life Insurance Company Inc na 48 years na daw as claimed ng agent na si Marc Sumang). Dumadagdag lang ang mga taga PPLIC na eto sa pagbaba ng ekonomiya dahil sa pangloloko sa kapwa. Kawawa ang mga OFW na target nila na nagtitiis malayo sa pamilya at pagdating dito maloloko lang nila. Sabihin narin natin yung iba na sapilitang umuwi sa Pinas dahil alam nating may ibang kaguluhan sa ibang part ng UAE now tapos ang mga last money maloloko pa, pati narin tayong base sa Pinas. Hindi sila patas magtrabaho, manloloko sila. Anjan sasabihing ipapakilala lang ang company..survey daw sila..bibigyan ka ng amounts, numbers, mag open daw ng access sa existing mong bank account para sa inaadvise na savings mo na within 5, 10, 15 years at makakatulong kahit papaano na giginhawa na daw ang buhay mo na in reality pinahirapan nila ang buhay mo. This Marc Sumang claims na may mga OFW daw na matagal nag work abroad na nagisisi now at wala na pundar or save kaya magstart daw magsave sa existing account na gingamit mo na may access sila (kung iproproseso mo). Alam din nyang single parent ngunit paitiman ng budhi at patapangan ng sikmura na ginantyo pa nya ang salapi ng single parent na ito sa musmos nitong anak. Grabe. Yung ma save mo daw ang interest ay may katumbas na insurance at incase of emergency or anything dahil ang share daw nila ay nasa Bangko Sentral ng Pilipinas hindi daw ito mawawala at mas kikita pa (tulad daw ng ginawa ng nanay ni nino muhlach na safe na safe ang pera sa BSP) at ang share nila sa BSP ay inopen sa Public para sa gusto ipagpatuloy ang partnership sa kanila na suggest nitong Sumang na eto. I-test ka pa nila kung na-hypnotized kana sa pag check kung naintindihan mo pa nagpag usapan nyo o hilo kana sabay i-suggest na mag pa approve sa existing bank mo by swiping your card (atm savings, credit card, name it) kasi online daw sila dun….(online ka dyan! Online ang EDC naturalmente para sa pang gagantyo nyo). Tapos mamadaliin kana kasi baka ma question mo sila ng bonggang bongga at baka bumalik kana sa tama mong ulirat at ang free mo na babanggitin nila is actually yun ang unknowingly mo na purchase in the receipt na sabi magpapa approve online sa kahit anong bank. Pag nasa ulirat kapa nakakapag taka talaga. At may i-pa sign pa sila sau na AUTHORITY TO DEDUCT na slip kapag nag papa-approve kuno.
muntik na aq buti nlng close friends q nag advice s akin n scam un. 2moro dpat s robinson sta. rosa branch.
they told me i am one of the winners in celebration of their 49 years in the business.
tnx God di nla aq nbiktima…
Mr. gebriel at Ms. Jennifer ng PPLIC ang mga nambibiktima!!!
ako din sa sm las pinas nakunan ng pera 24,452, at yung 6k jan sa 24,452 ay nilagay sa dental insurance. ewan ko bat ako naloko ng ganito… tom yan aasikasuhin ko pls help me po na makuha ko ang pera ko lahat…
hahaha mga bweset sila…. may tumawag sakin sabi nabunot daw pangalan ko at number ng landline ko at na avail ko daw premium gift nila… dito daw sa naga ako pumunta… tapos hinanap agad sakin kung me mastercard ako? ngok ngok nila… binigyan pako ng claiming code daw.. at mmy posible na manalo ko ng 50k
Location: SM southmall
1. Agents approached us and said we just won instant prize with the use of our credit card.
2. Before we can claim it, we should take at least 15 minutes of workshop. I asked if is it really 15 minutes. sabi oo daw. mabilis lng. We agreed. Tpos dinala kami sa last floor ng mall.
3. We waited after about 15 minutes dun s pinakalobby nla. I noticed the logo of the company. First, i thought it was prudential life. Sabi nung isang agent, iba daw cla. it’s philippine prudential life. So i went outside and connect to free wifi to check the name of the company. I’ve read several unsatisfied comments so binulungan ko ung wife ko “beware, it’s a scam”.
4. We went onto separate sales agents.
5. The tables where we were oriented were a bit strategic. When I took the chair to look after my wife, the agent told me to have the other chair, which onviously nakatalikod ako sa wife ko.
6. The agent briefly explained the company background and then went to the details. I was amazed not on what she was selling but the way she wrote. Pabaliktad ung papel tpos ang sulat nya pabaliktad din so I can read it clearly. After 45 minutes….
Me: Sorry but I won’t avail it. I thought it’s only 15 minutes.
Agent: OK sir, sorry for that, can we process your application now (16K plan)?
Me: My card has no enough available balance so I’m sure it will be denied. (Note: I have 30k available left).
Agent: How much you think is the available balance of your card?
Me: I think I have 4k left, and I need to buy something.
Agent: Gnun po ba? Wait I’m offering you another plan worth 3K. (explain…explain… blah blah)
Me: I said I don’t want to avail. Can I go now?
Agent: Sir wait, how about if 1 peso. (explain…explain…blah blah)
Me: really, do you have 1 peso plan?
Agent: yes sir, if you want we can swipe your card now.
Me: haha. Very funny. What if you swipe my card with 3K (since you know I have 4k left)? Can I get it back?
Agent: yes sir. If you do not want to continue the application, then the amount will be reversed. The bank will return it to you. Just let us swipe your card and see if your bank approves it. Wala naman po mawawala kung madedeny cya.
Me: Talaga. So if I bought something here in SM using my card and then hindi ko nagustuhan ung binili ko, will the SM return my money back? I’m also confident it will be approved. You just wasted my time. If you swipe my card, then the bank will approved it, I’m automatically enrolled to your plan. Right?
Agent: No sir, we still have to process it before you will be credited with 3K?
Me: credited? Why I should be credited with 3K? Baka ibig mo sabihin e debited. Kc kung credited, kau mgbabayad ng utang ko sa card. Bwahaha.
Paglabas namin….
Me: (to the receptionist) (nilakasan ko ng konti ung boses ko to let the other knew). Miss is it really a BRAND NEW HONDA CITY? (looking at their tarpaulin).
Miss: yes sir (with confidence), you will be notified if you win the raffle.
Me: ah… really? But the picture of honda city did not looks like the new one. It looks like a 2004 honda CIVIC VTIS. BWAHAHAHA
Hi everyone!
I too had experienced their ‘you name it’ marketing strategy. Same tactics. A phone call informing you of your winnings and a chance to win 50K in the raffle and Asking for credit cards and bank accounts.
For those who were convinced and became ‘victims’ of their insurance plan, don’t feel sad. I paid an initial premium of P70,343.97 to be exact last 29 december 2011 for their Prudential Wealth Builder Plus. It is only when you reach the comfort of your home that you really scrutinize what you had gotten into. After magnifying the policy, I felt deceived. I jot down all doubtful questions and on the first working day of January, I made an appointment with them.
At first, I demanded a refund and bombarded them with questions. Having a background in finance had been helpful and at the end, I decided to keep the policy.
To be honest, my husband and I believed in their plans. The problem was that their agents had a ‘different way’ of marketing and of course, my observation, their agents have no full knowledge of what they were selling, they cannot explain to the satisfaction of their costumers, unfortunately, at the end, making their costumers felt deceived!
Sa hirap po ng buhay ngayon, we should learn to invest for our future. Many are unemployed and unsure of their future. We do not want to be hospitalized, but if we do, we want it to be in a good reputable hospital and PHILHEALTH cannot 100% pay our hospital bills. We should protect our family and at least save for the rainy days. Globally, insurance is a must!
Remember guys: CASH IS UNPRODUCTIVE!!!
INVEST FOR YOUR FAMILY! INVEST FOR YOUR FUTURE! Of course, in a strong, stable and credible company!
@paul torres (selectcwelt@yahoo.com) (112.205.10.62) first you insult the people who just want to vent and call them stupid. then you show me that you have the same ip address as the other lady who came after you. shame on you. you are so banned. you’re the idiot paul torres.
pareho ba to ng PRUDENTIAL GUARANTEE INSURANCE? please reply kasi.
kmuha ako insurance for my parents sa Prudential guarantee tapos idadagdag nlng daw nila sa credit card bill ko. almost 1500 monthly. tapos sabi nila start na daw yung coverage from the time i apply for it. then the next day na hospitalized yung mother ko so i assume covered na sya. sa ngayon pinaprocess ko yung claims ko. hindi ko alam kung maaaproved yun.
my main concern is, my card is not swiped but I left the blue form with complete info, cc number, cc name and my signature. When the cashier is about to swipe my card, I ask the cashier if the amount is ok, I said yes then before she swipe it, I ask if it will be posted 30-45 days (as per agreed with the agent). so I refused. No swiping of card but I left the blue form with complete information T_T The name of the agent is “Jolly” haysssss I already called the cc company regarding the matter, as of this time, no transaction yet from PPLIC.
@gilles i wondered about this myself. i asked the head of PR at PPLIC and I was told that the owner of PPLIC and prudential life are good friends thus the PPLIC owner allowed his friend to use the name prudential for prudential life. not good for PPLIC as they have been suffering the stigma of Prudential Life’s erroneous ways.
@ghee the current predicament of prudential life people is EXACTLY what we want to avoid. if you still believe after the what has been said in the news about the stay order on Prudential life, then that is your decision that this blogger respects. PPLIC made a statement differentiating themselves from Prudential Life. The reality is that insurance is a hit or miss thing in this volatile economy. God help you with your Prudential Wealth Builder Plus. Even at 8.3 Billion, Prudential Life is not paying any of their clients. It is not in the interest of this blogger to see people lose their hard-earned money. However, it is still a prudent measure to think 10 times before forking out any amount of money for insurance premiums to a company already embroiled in many controversies. Be wary, dear readers. As my sister would always say, “wag mo bigyan ng paa ang pera mo.”
Naloko din ako nyan and i thing i prove,
magkaiba pala ang Prudentialife plans Inc.(PPI) at ang
Philippine Prudential Life Insurance Company (PPLIC).
Last night ko lang na balitaan sa GMA about sa PPLIC na may problem daw sila kaya nag alala agad ako. more than 2 years na kasi akong policy holder nila & good payer din. wala akong idea sa mga gawain nila kaya nag search ako sa mga website at nakita ko itong blog. ano po ba ang dapat kung gawin kung itoloy ko po ba ang pag bayad ko every month or stop ko na po. OFW rin ako last year uwi ako gusto ko narin sana pa cancel ang policy ko at widraw kona yong money ko pero nga sabi nila half ng na hulog mo ang ibalik nila at mahabang proceso bago ma ibalik yong pera hindi naman ako pwedeng mag stay ng matagal sa manila gawa na OFW ako kaya wala akong magawa kaya tinuloy ko na lang ang policy. malaki na po ang pera na hulog ko sa PPLIC.
OMG. eto mainit init pa. yung gf ko naman sa may SM Fairview. Namili lang sya sa supermarket ng pambaon sa work after nya magdeposit sa BDO ng niLoan nya sa SSS. This is around 12:30 – 2:30 pm. Palabas na sya ng supermarket tapos may lumapit daw sa kanyang lalake at di na nya matandaan ang nangyari. Narealize daw nya nasa Bus na lang sya on the way to work tapos may dala syang bag ng Philippine Prudential Life Insurance Company PPLIC. Di nya raw talaga matandaan kung anong nangyari at napakasakit ng ulo nya. Mula ng lapitan sya nung lalaki hanggang makasakay sya ng bus wala syang matandaan. Dami nya pinirmihan di nya alam kung ano nangyari. Kabadong kabado sya nung tinawagan nya ako kala ko narape na sya. Wala naman daw nawala sa kanya kungdi 600+. Buti na lang 600+ lang nakuha dahil di pa ata nag uupdate nun yung deposit at wala pa atang laman yung ATM kaya yun lng nakuha. Demonyo tong mga taong to. Dineposit nga sa ATM yung niLoan para di maholdap tapos hoholdapin nila ng harap harapan. kelangang kelangan pa naman yung niLoan n yun. demonyo talaga.
Mukang gumagrabe na tong mga taong to at mukang may droga silang ginagamit parehas nung mga tumitira na kriminal sa MRT. Kung may lalapit sa inyo kahit saan na kung ano tatakpan nyo agad ilong nyo ng panyo. baka matulad kayo sa GF ko na di alam ang nangyari. Eto nga pala yung storya ng dinodroga sa mrt:
http://www.facebook.com/photo.php?fbid=10150432690605598&set=p.10150432690605598&type=1&ref=nf
go0d day!! i am also a victim of PPLIC isang taon na po ako nagbabayad pra sa montly payment ko pero noong lunes ko lng nbalitaan sa gma7 na pna pa cancel na ung insurance systym nila.. hihingi lng po sana ako ng advice kng ano ang dapat kng gawin dahil sa ngayon wla po akong magagawa dahil isa akong OFW at 2mnths pa bago ako mkauwi. d0on din ako sa sm north na biktima dumaan lng ako don tpus may agent na lumapit sakin halos pareho din sa iba ung pakulo nila at pinilit talaga ako na pumunta sa office nila dahil my chance daw ako manalo kya nahikayat nila ako, kinuha po nila skin 37000 something pra sa down payment 2700 per mnth ung byarin ko so bali nasa 50000 na mhigit ung nbyaran ko doon pra sa isang taon na panloloko.. sana mag tulungan tayo pra makuha natin ung perang pinaghirapan na pinambayad sa PPLIC.
Insurance plan is one of the best investments that someone can own..especially those who are working abroad. It is a very good way to save money for the future. For those who complains that they were forced to pay something even if they do not want, it is impossible that you were forced. There is no agent inside forcing you to go to cashier and pay, you agreed to do it that is why it was charged, the cashier even ask first the client and inform about the amount before they charge it, so it is impossible that you do not know that you paid some amount of money. It’s simple, if you want the product, take it, if not, then leave their offer. They are in the mall, so it is impossible for them to fool people. They are not hiding in far places that people will not see them after buying the plan. Now, the most important thing people should think, that at the end of it, by getting the insurance plan, it will be them and their family’s future that will be secured. They will even be thankful in the future that they met 1 agent in the mall and sold them that plan, not because of it, they should have not been invested something at least for their family. You see how is life now, people just keep on spending, and if there is no force from other people to let them start saving for their future, they will not start doing it, because it is already a human nature, that when it comes to investing something, it is very hard to be convinced, but if it is about shopping, right away, no need to force. We should see how big the help this insurance company is giving us to prepare the future of our families. We should understand first the whole story before we judge them, because the bottom line of this, is everything that they offer is a BIG HELP for every Filipino family, especially those parents who are working hard abroad. Ask yourself, do you have any investment so far that you can be proud of and confident to say, that whatever happens to you now, you family could still have in the future the same beautiful life that they have now? If so, be thankful.
@nette i don’t want to speculate on how they lost their money and how they feel they’ve been duped because too many people saying the same thing is not exactly coincidence. I’ve done my part explaining the PPLIC is a legal entity and that the insurance they sell is legitimate. I also went as far as saying that I do know some people who have been happy with the product. But for you to even imply that the people complaining about losing their money is untrue, then you are attacking the very customers of PPLIC who need more explanation and breathing room. Secondly, you do not have the right to dictate how people want to save their hard-earned money. Walang tao ang basta gumagasta ng walang dahilan, kasi para sa kanila, kung ano man ang pinagkagastahan nila, karapatan nila yun.
Hindi kailangan ng Pinoy ng taong magsasabi sa kanilang magtipid sila. Ganun din na hindi mo kailangang sabihan kung papano mo gagastusin ang pera mo dahil ikaw lang ang tanging nakaalam kung ano pasok ng pera at kung ano ang kailangang pagkagastusan. So the fact that you say that people should even be thankful for the insurance is unfounded. True that insurance is a good thing, but it comes in so many forms depending on how people live their lives. sometimes, sending a nephew or niece to college is a form of insurance. Marrying someone with money is a form of insurance. Nobody has the right to dictate what is the right form of insurance fit for anyone. PPLIC products are there but it is in the freedom of the people to choose ON THEIR OWN VOLITION, not because someone with better education or a gift of gab says so.
Many commenters are missing point here, the original complaint is that the method of selling is deceptive. Saying that you won something or that you will get something, or that a check or credit card is the only acceptable ID, is downright thievery. THAT my friend is the original complaint. if you feel strongly about the people complaining here, then YOU ALSO BE THANKFUL that I have aired the side of the complainants, PPLIC and your side as well. PPLIC’s Rod Estrera was not even as condescending as you when he made an appeal to the public and has been one with us in denouncing the deceptive marketing methods of these independent insurance vendors.
@nette- Arpee is right the issue is not about insurance. I hope you did read the whole trail and not just a part of it. Insurance is good, it’s beneficial we can’t argue with that, i don’t think so there is a single person in this world who will cry and be miserable after knowing he/she is insured.
But when you wake up and realized that you are being deceived there you will feel MISERABLE!
Yes maybe they do not forced us, but their marketing strategy is deceitful. Their intention was for you to buy their plan but why can’t they say it directly? Why do they have to lure us with different prizes and freebies? even they, they know that their intention was NOT TO HELP but to gain a customer for them to have their commission. If we help provided we are sincere we will have the right intention and there should be no TIMELINE, there should be no “once in a life time” nor “this is only for today”.
No one is “tanga” but of course many were fooled because the thought of insurance was not at the back of our minds, we are yet to build our defenses, we were not prepared and after being presented with all the benefits we can’t help but admire it PLUS the dreaded timeline “TODAY”, “this is only once in a lifetime”–that is a big DECEPTION! because of that many were convinced to say “YES”
Who are they to say that there is no other time or no other day to invest for our insurance? If their intention is sincere then why are they instilling such thoughts to us? They are putting this precious stone at your right hand and a sand clock at your left hand shouting to grab the stone while there is time because it will only take you this certain amount… they keep on reducing the amount until it is affordable to us,why? because they are not really after us, being insured, they are after our money! Any amount we provided to them, they sure would have a commission–they are NOT A FRIEND who is there to help us secured, they are AGENTS who are there to work, to EARN and to have their COMMISSION!
If we talk about future, security and insurance wouldn’t it be better to start it with a concrete plan? to start it with days of planning and researching on what’s the best thing to do? and not just by having anyone grab you while you are not on your mind and then starting to feed you with all those exaggerated things? (I say exaggerated because not everything were facts and not all facts were said..selected details were provided for the customers to be lured)
Never say we should be thankful for those agents because they do not think of our future, they only thought of their PRESENT and their quota that they need to meet. No one is really concern with our future other than ourselves and those people dear to us.
Who would enjoy saving for their future but starving/suffering at the present? Some of those people being fooled have their money intended for something else, isn’t it too bad that all were already set and planned until these PPLIC agents changed everything???
Mind you–try to ask those agents if they are insured and I am pretty sure they are NOT! (maybe few but definetely not all) because the value of their money is used for the present and is not saved for the FUTURE. I could vividly remember my conversation with one of the agent asking me the amount left in my atm, i said “i have ONLY this amount” and he answered back “oh, that is already very fine, mine is 0″.
Even those agents do not exercise those thoughts they are instilling at us because they themselves maybe believed it but intended their money for something else just like any of us–thus they should change their deceptive marketing strategy and avoid surprising and manipulating people!
I can’t say am a victim of PPLIC but I was once asked to have a 45-minute session with one of their agents named Francis. I like the program but what I didn’t like was that they asked you to write on a blank paper your beneficiaries and your signature. I said am impressed with the program and Francis asked my credit card saying that they will check if the credit card company will allow me to transfer fund on their bank…I was sure that time that they can’t get any because I already used almost all my limits…When that 6,800 was declined they asked me to sign another authorization letter that they will deduct 3,000+ from my credit card, saying there’s no hard in trying and during that time, I got aware of what was happening… They may say it is not a scam because they don’t force you to give them your credit card, but am not so sure if I’ve been hypnotized or not…lesson that I got from this experience was that don’t be attracted to whatever free gift they will offer and to the car that they want you to win!
ako din nabiktima nila.. sobrang pareho ng style.. ittry lng daw ung card ko and then nkuhanan na ako ng 45k on the spot.. this happened aug2011 robinsons manila, pag uwi ko pa lng ng bahay that night gsto ko na tlga mgpacancel, but i dont know where to start..akala ko kasi wala na tlga pag-asa.
sa march1 start na ng monthly payment ko, monthly kasi ung mode of payment na pinili ko e.. buti na lng nkita ko blog na to.. 6months ago pa ito ngyri..sana makakuha din ako ng full refund.. haayyy, kainis talaga sila..
i got 500k premium and paid 40k++ initially and paying 4k++ monthly for the past 2 years. My concern, i heard over the news that this insurance stopped paying the matured premiums, totoo ba ito? If correct why the PPLIC still debited my monthly payment 2 weeks ago. Is there a way to cancel my premium and refund my supposed to be forced saving that they presented me initially? Kanino po ako lalapit?
elow..victim din un asawa q ng PPLIC gusto n nya ipacancel un sa insurance policy nya kya lng wla xa dito now..he is a seafarer ..ask sna km i help anu ggwen nmin pra ma stop un deduction sa BDO atm card nya… 50k ung kinuha s atm nya nun nag signed xa ng mga papers sa SM megamall last sept 2011 pa. nagwowory kmi bka mgkaltas ng mgkaltas dun sa atm nya eh dun pumapasok un shod nya… help nmn ng ggwen. ska my chance p ba marefund nmin un 50k? tnx
Mga kababayan,
yung mga bagong “victim” or na-insured ng PPLIC, na gustong
mag-cancel ng kanilang insurance, mag back-read na lang
kayo (basahin ang mga naunang pahayag ng mga ibang
kababayan simula ng ma post ni Arpee ang tungkol dito)
kung paano o anong ginawa ng mga kapwa nating kababayan
(kasama na ako doon noong 2010). Basta, gumawa kayo ng
cancellation letter (tagalog, english o taglish, basta
importante maiintindihan nila ang sasabihin nyo at ang
mga paliwanag niyo kung bakit kayo mag cacancel)
at ipadala nyo o dalhin mismo ng personal sa opisina nila o
kung saang branch mismo kayo na pa pirma ng kontrata sa
kanila, at makipag-usap ng mahinahon sa kanila.
Yun namang matagal ng naghuhulog ng premiums sa PPLIC na
gustong huminto at mabawi ang mga nahulog, mag-sangguni na
lamang kayo sa mga abogado. Sila ang mas may alam sa inyong
kalagayan at ang mga paraan na inyong pwedeng gawin.
Mas mabilis talaga ang refund pag na cancel within the 15-day free look out period, I’ve got my refund today, just a month of waiting… lesson learned na if we doubt or are not really sure with our decisions we better act immediately. Once again thank you so much Arpee at sa lahat ng nag-share ng experiences nila dito..Honestly the money i deposited for the endowment was for a trip, am glad it was refunded prior to my trip.
For all those who wanted to cancel their policy, better act now, act immediately. Just have a letter of cancellation (read previous messages in this trail to have a format) and returned all the documents you received from them. Photocopy everything and have them signed the documents (your copy) to testify that they received it. Ask for a copy of your SOA (statement of account)with policy status CANCELLED FROM INCEPTION (CFI). Be firmed with your decision, do not accept any offer of down-grading your policy or whatsoever.
Here’s a format of a cancellation letter:) i’ve just got this in the trail, you can have this as a reference (i just placed this here so you do not have to scroll up, since the trail here is very long, this is from guapitoako)
ATTN: CUSTOMER POLICY
Phil Prudential Life Insurance Company
Suites 305-308, 3rd Floor,
AIC, Burgundy Empire Tower,
ADB Ave. Cor, Sapphire and Garnet Road
Origas Center, Pasig City
RE: Cancelation On Insurance Policy #________
To Whom It may Concern,
Please Take this letter as a formal request for the cancellation of my insurance policy and a full refund of ________(Php amount in number)that has been charge to my ________(name of card) by your company. May i also request the written confirmation of this cancellation and a copy of my Statement of Account (SOA) with marked CANCELLED.
Thank you very much.
Respectfully yours,
After i submitted my cancellation letter and all those documents i have from PPLIC back at SM, i emailed pubassist_ic@yahoo.com.ph to confirm if they already received my cancellation letter, i attached my cancellation letter,if ever they have not receive it yet. (i was kind of paranoid if ever those agents from SM did not forward it yet to their main office hahaha.. so i did this for double checking, i received a reply from their customer representative named MICHELLE ABELLA that they did receive it though, good thing
)
For the progress of your cancellation, you can call their
Customer Hotline at (02) 902-2300
For all who are waiting for their refund..just be patient, rest assured it will be refunded
For everyone let’s be more cautious next time..this experience has really thought me the value of trust, that we do not have to trust anyone we just met, most especially if it involves money.
God Bless everyone!
hi .. isa din poh ako sa nauto ng pplc
pls help nyo aq panu ku marerefund ung 24,657 na initial payments q sa kanila .. tnx po.
papunta poh aq naun sa sm south anu anu poh b dapat dalhin ?.
mre2fund ko pakaya ung pera ko?.
like i said, PPLIC is a legitimate company. If you already got your policy from them and that you have made heavy payments in the past, then you have 2 options. one is that you could continue paying for the insurance where you are sure to get the returns promised upon maturity. second option is that you can opt out of your insurance package, but dont expect to get all your money back. that’s just how insurance works. you cant get it all back once you paid for it and has gone into a contract with them. so you can either quit now while the expenses have not ballooned to six figures or see it through. your choice.
yesterday poh gling na ko sa sm southmall
kung san aq nag sign ng contract ..
gaya ng nbasa ko ngdala aq ng cancellation letter
pero inoffer po nila aq na idodowngrade nlng nila sa 1 percent from 7 percent pero sinabi ko po na buo na ung decision ko na icancel. mtgal daw bgo me refund ung initial premium ko 30-45 days daw poh ung aantayin ko atm to atm process..
tpos tinanong ko kung sure nb un 30-45days .. sv nung kumausap sa kin ndi pa daw kasi i approved pa daw un ng main.. kaya no choice poh ako pumyag nalang aku na idowngrade .. from 21thou nging 4k something .. so my mababalik pa sa kin na 16k .. 30-45 days daw ang process.. mku2ha ko pa po kaya ung 16k kasi para sa kin mtgal antayin ang 1 month mhgit ..
GUYS GUYS GUYS NASA ROBINSON MALL MALATE MANILA SILA NGAYON 4TH FLOOR!! at isa ako sa mga naging customer nila buti nalang as in BUTI nalang di ako nagoyo ng salesman na un todo tanggi ako sa una pa lang,, kasi ang intention ko lng nmn talaga in the first place was to take their freebies kasi un lng nmn talaga ung unang inoffer nila sakin at un ang ginawa ko, kinuha ko lang yung freebies na bag lolx in a way nakaisa rin ako sa kanila,,, kaso sad nmn ako sa mga testimonies ng mga nascam dito,,,sobrang thankful talaga ako kay God Jah for guiding me kasi umabot rin talaga ng almost 1 hour 30 minutes yung conversation namin at sobra tlga akong nahook sa flow ng topic kasi sobrang promising ng mga sinasabi ng salesman na un at tama ung nabasa ko dito na panay panay talaga ang shakehands nila at pinapalapit nila ako everytime sumasandal ako sa upuan kahit wlang point ung cnabi eh need pa rin tlga nyang magshakehand? nakakapagtaka tlga…tapus todo tanggi na nga ako panay pa rin ang segway ng salesman at change topic xa ibabalik nya dun sa mga flowery benefits na makukuha mo daw kuno sa company nila once you avail their insurance,,at nagoffer din xa sakin na itatry lang daw nyang iswipe ung atm ko at titignan kung papayagan daw ng bangko at buti na lng nagrefuse pa rin ako kasi,, according to your testimonies yun na yun na pala yung sistema ng panggagancho nila napakahusay talaga nila maglure ng tao saNA maparusahan yang mga yan at pati mga totoy basta umabot ng 21 years nakaeengganyo nila, tapus may seaman pa kanina na todo announce nila na nagbayad ng worth 13,000 dun at sabay sabay silang nagpalakpakan,,yung salesman ayaw talaga bumitaw kahit todo tanggi na ako at umabot na sa point na nakipagdebate ako tungkol sa recently contoroversial occupy wallstreet na nangyari sa states at explain na hindi stable ang insurance business kasi mapalocal at international di pa rin talaga nakabangon sa global economic crisis namention ko pa about sa CAP na paluge na hahaa buti updated aq sa recent current events.. anyway sa mga nakakabasa advise ko lng sa inyo KUNIN NYO YUNG FREEBIES NA BINIBIGAY NILA THEN GO AWAY PARA KAHIT PANO MABAWASAN PONDO NILA,, hassle syang pa oras nyo baka masilo pa kayo ni satanas.. hope this serves as a friendly warning for all.. GODBLESS everyone specially dun sa mga slain victims na makarecover agad…
hahahahah! una palang halata na ang bulok nilang stilo! impressive ang skills nila for communication! but that kind of people ay d pasado sa pagiging keen observer namin. inofferan ako ng tea or coffee pero inayawan ko. pnapaswipe nila ATM ko inayawan ko ulit. i told them na sa kuya ko ung dala kong atm. then sabi ng girl ehh anu den ung atm mo na pnakita sakin kanina? hello! ni d ko nga pnakita sa knya ATM ko ehh. dun palang halata na xia! patanung tanung pa kung magkano laman ng atm at credit card ko! well thanks God kc una palang bnigyan nia na ako ng discerning spirit to know if totoo ba talaga yang magandang gawain nila. and isa pa nung tinanong ko xia na kung bkit indi ganun ka well known ung company nila ehh since 1963 pa un??? imposible! tinanong ko pa kung may mga branches cla. ayun dun na nagkadalokloko sagot ng babaeng un. dapat spontaneous xia sa pagsasagot at alam nia dapat ang mga branches ng company nila kunu! khit anu anu ng lugar pnagsasabi nia. until umuwi ako sabahy at sinearch ko company nila hanngang sa totoo hnala ko. SCAm talaga yan! guys, mah ingat ingat kau sa mga ganyang stilo ng tao. fortunately, walang nakuha samin ng bespren ko. pero may nakuha kami sa knila dalwang bag. ahahaha! sabi ko i will not pursue anymore my interview with them because i have my trip at around 8pm. mapilit talaga xla. kaya ingat kau sa mga ganyan, magtanung tanung kau at tignan nio kung may business permit ang lugar na yan lalo na sa mga malls!
For those who can afford, bakit kayo padadala sa mga nagsasabing SCAM, meron ba scam if it was proven na nai-refund noong iba yung cancellation. Sa una lang sya mabigat dahil sa premium na 16K, pero yung monthly magaan na, yung mga nag popostpaid sa mobile phones how much do you spent just on your phones which is instant na nawawala? But this insurance is some sorth of savings. Medyo mukhang scam nga the manner they approach the customer, but it’s business. Tumigil na kayo sa mga nagsasabi ng scam, kawawa naman yung nag pursue na ituloy yung kanilang paghuhulog, sa mga iba na gustong makahanap ng positive views about the matter, visit this site
http://www.workingpinoy.com/2010/06/philippine-prudential-life-insurance-company/comment-page-2/#comment-33870
sa mga may feelings na naloko sila, para sa akin di kayo naloko, kung itutuloy nyo, mas babalik ang tiwala ng tao sa insurance companies which is good for our economy and for our future. Ang aking suhestyon ay para lang naman doon who can really afford this type of insurance.
Yung kotse ko nga taon taon ako magbayad ng insurance, magkano na yon lahat lahat, magagamit ko lang kung maaksidente.
Enjoy your life………
Leche ngayon ko lang nabasa ito. 7 months na mula nung nayari ako ng PPLIC. anong dapat gawin para maibalik yung pera natin?
@hitman no worries. PPLIC is a legitimate business and there is no need to get your money back. the issue of this blog post is how many have been led to believe they won something in a raffle but would end up buying insurance rather than having been forthcoming and told prospective clients that they would be listening to insurance sales pitches. if you already started investing in insurance, there is no need to take your money away.
This happened to me yesterday. While i was walking around SM Megamall. Friendly promo girl stopped me and asked me if i want to win a brand new honda city or a trip to macau. I said, sure why not? So what’s the catch i said? They said nothing, just spread the news that you won it from PPLIC.
I said, just so you know…I ain’t purchasing any insurance and told me that no, it’s ok..we just want to introduce the company. It takes 45 mins then we will raffle the car.
While i was inside, they asked me for balance inquiry for requirement.
50 mins later….i walked out, really angry cause their agent named aris and manager oliver were a bit pushy of 27k spot down. I left the raffle stab and said stop wasting my time.
I have no problem buying insurance…infact i am considering of buying one, but not with this kind of marketing strategy.
ang daming holders na cguru ng PPLIC ang nagwithdraw ng kanilang account because of scam issues online and doesn’t get any refund. Nakaka-awa na because of “hearsay” PPLIC scam posts may mga hindi naka-kuha ng kanilang refund.
Tandaan nyo po sana na HINDI po SCAM ang PPLIC gaya ng nasa title ng article na eto.
Ask insurance commission of the philippines for verification purposes…
public assistance: pubassist@insurance.gov.ph (632)523-8461
http://www.insurance.gov.ph/
P.S Lahat po ng insurances, may mga terms and conditions po in which a holder agreed for before he/she purchases the insurance.
that was march 03 2012 my daughter txted her dad will meet sm fairview have not eaten lunch only coffee so we met went to RACKS 6:56 ordered to be served 15mins after. she asked if we got cash my husband said he doesnt she went out to withdraw her ATM but she did come back we called her mobile but could not reach i was nervous every second we called her texted her but no answer we approached sm security but nothing happen. dear Lord i hope shes safe at 8:44 in the evening she was able to aNSWER my call “tell dad fetch me time zone i dont know this place hurry” so i called my husband that he dont know the place also. i asked RACKS I be back she asked have you located her maam hopefully i said i called the security to accompany me. my husband was ahead he went ground floor of ACE hardware got suspicious when he saw PPLIC he barged into their office shouting calling our daughters name. . . therew she was trembling frighened so pale ” DAD THEY GOT MY MONEY WITHOUT PERMISSION PHP 86,680.00 THEY SAID THEY ARE SISTER CO. OF BDO THEY WORE MORE OR LESS THE SAME UNIFORM THEY WILL GIVE ANOTHER ATM ENDOWMENT SAVINGS I DONT UNDERSTAND A WORD THEIR SAYING BASTA I HAVE NO INTENTION OF BUYING ANYTHING FROM THEM THEY WONT LET ME LEAVE THEY KEEP ON TAPPING MY SHOULDER AND PRESSED TO SIT DOWN AGAIN IM SO HUNGRY I FEEL WEAK AND DIZZY” how could they do such a thing deceiving innocent people. that was hard earned money we asked them to reverse the debit charge how could banks allow such big amounts to debit on peoples account when we withdraw at atm counters allowwble is only php25k i think so i wonder why i they allowed this type of transaction. we camew back sunday will update later thanks
I’ve already made it clear that PPLIC is a legitimate company and I have also posted the letter of PPLIC PR head Rod Estrera. I think there is no such doubt as to the legitimacy of the company. The real gripe here is the marketing style, one that most of us think is deceptive. That is all we want to stop. If people buy from PPLIC and are happy with it, fine. Those who email me saying that they want to get their money back, i remind them to take heed and to think twice before requesting for a refund. i would recommend that people read the post before making a comment.
huhu… kanina sa sm north nacorner aq nung promo girl tinanong kung gusto ko daw manalo ng brand new car and trip to macau then i said ofcourse why not tpos todo explain sya sbi nya pnpromote lng daw nla ung company, pnakita p nga nya ung picture n nasa tarpaulin nla un daw ung pangalawang winner nla xmpre mdyo convincing kya nakinig aq then tnanong q kung wla bng bayad un or hihingiin skin cnbi nya wla.. edi ok na, pngfillup nya q, tas sbi nya mkknig lang daw ng 45mins tas ok na.. 45mins ha.. edi mya2 sbi nya sa kabilang building daw ung seminar samahan dw nya q.. edi papunta n kaming annex building.. nagulat aq nung nsa annex n kami at pbaba na going sa office sbi nya need q daw mg inquire ng balance un daw ung proof na may account daw aq.. edi ngtaka n q.. pro sa isip2 q cge ok lng balance lng nman as long n hindi nya q pgwwithdrahin.. edi nandun n kami..around 6:45pm n un ha.. approachable and very accommodating nman cla.. galing pa nga nila mambola.. lahat ng positive cnsabi xau den around 6:50pm nkapasok n q msmo dun sa room ng seminar nla.. ng one on one na kami, npnsin q nung una ngbackground check sya, prng chichikahin ka lang kesyo dati daw mayaman xa den naging mahirap (dont know if its true) hangang sa napansin q napapakwento n din aq, pra bang inaalam nya ung economic status mu.. grabe tagal ng kwntuhan almost 8:00pm n ndi p sya ngstart.. tas pnaaavail nya q nang almost worth 41k knausap p q nung head nya (na prang ewan lang, amoy cigarette) prng galit p nga pg ngqquestion k n prng mnamadali nya ang lahat.. tas sbi p nya WE WILL CHECK KUNG COMPATIBLE UNG BANK KO SAKANILA (which is BPI) eh auko p din, although gusto q sya pro sbi q ssabihin q muna sa mom ko kc every decision q sinasabi q sa parents q sbi q sknla tas sbi ba nman nila MAY NANAY BA N MAGAGALIT PAG SINABI NG ANAK N MAGIIPON SYA gets q ung point nya pro my agenda was ung decision q n sabihin muna since nanay q un.. tapos kulit p din nla.. inip n inip n q kasi it was already 9pm ngcclose n ung mall and hnhintay p q ng frend q sa labas ung last n sinabi nila OCGE GANTO NALANG CHECK NTIN KUNG COMPATIBLE UNG BANK MU.. PAG HINDI IBIG SABIHIN WAG MU NA ITULOY then hangang sa nconvince n q.. badtrip p nun nung tnatanong q kung panu malalaman kung hindi compatible lalabas dw dun sa swipe card nla eh pg nswipe un wla ng bawian.. for sure nman iaaprove un.. badtrip tlga.. feeling q nhypnotized lng nla q tas ayan n kng anu2 ng docu pnpfillup, tnatanong kung my tanong p q, eh sbi q sa ngayon wla kc mnmadali nyu q tas un todo explain ung head n lalake na kesyo ganto ganyan sabhin q sa loob pag na interview n q nung pnka last n ppirma kc sya ung last n mgaapprove daw.. edi 9:20 n ata pmsok n q dun sa last room with matching video recorder p huh.. for filing purposes daw.. aun tanong aq kng naintindihan q daw b snbi q nman n oo pro cnbi q din n prng my doubt din pro xmpre nangibabaw ung hiya q at consnxa na todo explain cla at convince pti sbi q nswipe n man n din ung atm q meaning nkuha n din my OR n nga eh, BDO p.. aun hangang sa pnirmahan n nya.. grabe from 6:45pm-9:45pm.. YAN BA ANG 45MINS.. HIYANG HIYA TULOY AQ SA FREND KO.. ;c
PG LABAS KO NG SM PRANG NANLULUMO AKO N EWAN.. KC PARANG BIGLAAN ANG PNGYAYARI..
PAGUWI KO BUKAS KAGAD AKO NG LAPTOP THEN SEARCH KO KAGAD COMPANY NILA KASI NDI PADIN AKO MPALAGAY.. ALTHOUGH MY KAKILALA AKO NUNG COLLEGE NA NAKAPLAN AND NAGAMIT NMAN PRO IBA TLAGA UNG FEELING EH.. UN BANG FEELING N NFORCED KA.. AND BNALIWALA NLA UNG DECISION KO NA IINFORM MUNA SA PARENTS KO ALTHOUGH MY WORK N KO AND INDEPENDENT N KO SAKANILA KASI MASAYADO MALAKI UNG 41K TO THINK N SINABI NLA SA BARYA BARYA LANG UN.. DI NAMAN AKO AGAINST SA MGA INSURANCES PRO KASI MAS MGANDA KUNG UNG FEELING NA NDI KA NAPILITAN.. TATANUNGIN KA NA HNDI KA BA NAPILITAN KUNG KLAN NSWIPE NA UNG ATM.. HAYS…
AHM HELP NMAN PO.. GUSTO KO N DIN IPACANCEL.. ANU PO MGNDANG IADVICE, ISSUBMIT Q PO B UNG LETTER OF CANCELATION SA MAIN OFFICE O DUN PO SA SM NORTH BRANCH? PATI ANU PONG ILALAGAY Q DUN SA POLICY? SAN PO B MAKIKITA UN? HUHU.. MARAMING TNX PO…
sir arpee pa help din po ako kung anu p mga dapat gawin.. gawa lang po ba ng letter then ppaxerox po lahat.. then anu p po? huhu..
i highly recommend you get in touch with PPLIC and tell them that you have buyer’s remorse. if you have paid your policy in less than 15 days you can get all your money without any deductions.
ahm saan ko po b ipapasa yung letter n ggawin ko? pde po b msmo dun sa main office nla? sbi nla dun daw cla sa rob galleria.. tama po b? and cnu hhanapin ko dun pra ipasa ung letter and other docu? snxa n po first time ko po kc sa mga ganito..
navictim na rin ako ng PPLIC. tumawag cla sa haus then my pinapaclaim na rewards sa office nila. sa my ruffles bldg. ortigas. actualy sa mom ko ung reward. since busy ang mom ko, ako pinakuha. txt cla ng txt kung nasan na ko o papunta na ko. then pgdating ko dun eun nga my finill-upan akong form para mkuha ung rewards then start na cla my sales talk abt sa plan nila. pinipilit ka tlga nla kumuha ng plan kc daw “maganda” ung benefits. then hiniram nla ung credit card ko para lng iverify kung pde ako for the application. i didnt know na naswipe na ung card ko. abt 24k un nabawas sa card ko. after a month pinacancel ko ung policy. grabe! more than a year bago ko na-addback sa card ko ung amt. 17k nlng ung nabalik. and ang bagal pa nila magprocess!!! kelangang araw-arawin mo clang tawagan sa pgfollow-up.. kc kng hindi, hindi nla ipaprocess ung cancellation ng policy mo.. kaya BEWARE na lang po sa PPLIC agents.. lalo na ung BOBBY GARCIA! grabe nagtago na.. they even said na nagresign na ung tao.. agad agad ngresign? kapal tlga! mga liar! tsk tsk..
navictim din nila ako yesterday sa sm megamall… nag ask sila ng 36k as initial investment daw, hindi ako pumayag sabi ko mag iisip muna ako… then 20k na lang daw, di pa rin ako pumayag… naiirita na ako, 6k na lang daw, di pa rin ako pumayag… 2k na lang daw, di pa rin ako pumayag… ayoko talaga, feeling ko kasi interesado lang sila sa atm at credit card ko… hanggang sa sinabi nila na yung presyong studyante na lang ang kunin ko worth 665 pesos… ayoko pa rin sana pero gusto ko nang tapusin yung pag uusap namin… nung tiningnan ko yung receipt, yung payment kong 335 pesos is for their product na NATURTEQ (na free daw pero me bayad pala) at 300 is payment for nothing….
nag panic ako kaya pina blocked ko kaagad ung credit card ko… nakakainis kase sinyang nila ung 3 hours ko…hays
sana nmn po ndi na madagdagdan ung naloloko kase may friend nakuhaan ng 6k plus…
grabe sila kung mkapilit noh… tanga tanga q tlga.. huhu sana mabawi q n un.. ahm panu kya un.. di ko mkita ung policy number.. san po b un? dapat ko po bang ilagay un sa letter of cancelation ko?? panu po kung within 15 days d q p nggawa? panu po n d
di ko n b mababawi? huhu.. help…
just got my refund 40k+ !! kumuha ako ng policy last Feb 5 sa SM North Annex nag cancel ako Feb 8.. For those na medyo kabado kung maibabalik pa yung pera nyo don”t worry ibabalik nila yung full amount given na within 15days free look period pa kayo nag cancel..
beware sa PPLIC na yan,naranasan ko na yan nang gummala kami ng asawa ko sa SM Iloilo,Nanghaharang ba naman.Una sinabihan kami ng babae na mag fill up ng raffle coupon para may chance manalo ng sasakyan or trip abroad na walang bayad.Tapos nag offer sila ng mga PPLIC souvenirs ,parang tulong daw namin sa kanila na makilala ang company name nila.After kong mag fill up kailangan may Proof of ID para ma claim ang reward sa dami kong ID credit card ko pa ang gusto nila so parang nagduda narin ako don. Dinala kami ng babae na yun sa office nila at enindorsed sa ina na namang babae.bago daw e drop ang raffle coupon my 45 mins. daw na orrientation.Okay lng naman sa amin ng asawa ko yun kasi 45 mins. lang naman.Sa haba ng usapan at paulit ulit lang Lagi sinasai sa amin ng agent na gusto nyang makatulong hanggang sa gusto nya mag sign ako ang authority to debit charge using my credit card with an amount of 13,000.Nang hindi kami pumayag ng asawa ko at gusto na naming umalis e pipigilan ka talaga nila.Hindi lang ako makapaniwala na may ganitong eksina sa SM Iloilo.BEWARE OF THIS PEOPLE!!HIndi sila nakatulong kung nagkataon kami ang nakatulong sa kanila.
To Whom it may concern:
Good day!!!
I’m a sister po ng kumuha ng plan sa Philippine Prudential Plan sa Iloilo. yng sister ko po ang supplementary tapos ako po Primary card holder.sa kasamaang palad yng sister ko po isa sa nainganyo ng insurance sa Iloilo ng pumunta sya. ng January 2012..nang malaman ko po after a week na..cnabihan ko po na bumalik sya dun sa Iloilo kasi taga bacolod pa kapatid ko.kaso wala po kasi sya lakas ng loob magbalik at magpa pa cancelled 22 yrs po sya. pag ka next week din po kasi pumunta sya ng Manila kasi paalis sya papunta Jordan.Ang problema po kasi ako ang magbabayad..kasi nga naka charge sa credit card ko kahit pina cancelled ko na po ang credit card nya as supplementary na charge po ako ng Php16,937. ako po ang nangutang para di masira sa credit Card ko.akala ko po yun lang ang ma chacharge..ang masama may monthly pa po pala na ma charge sa akin ulit Php1,610 hindi ko alam kng hanggang kailan ma charge po yan..nag email na po ako ng cancellation sa prudential wala pa po feedback.. ask po sana ako ng tulong kng may paraan pa din po ba na ma refund sa akin ang 16,937 kng ipa cancelled ang policy ng kapatid ko hindi nya rin po kasi alam ang gagawin nya ng nakausap ko sya sa phone.Ako po kasi ang apektado sa nangyari.Sana po matulungan nyo po ako ng pwede kng gawin.March na po kasi ngaun almost 2 months na po ang nangyari sana po may ma refund sa akin kahit di buo na po..para mabawasan ang mga na utang ko sa pagbayad ng credit card ko dahil sa Prudential Insurance.ang nakakagulat po kasi iba pa pala yng 16,937 sa maging monthly na 1,610.PLS!pls! lang po sana matulungan nyo po ako.hindi ko rin po kasi alam ang gagawin kng pano po.Nang tumawag po ako sa Prudential kng may ma refund pa incase ipa cancelled ko ang Policy ng nakuha ng kapatid.ang sabi hindi na daw po pwede…sana po matulungan nyo ako.
I was fooled the other day..All i wanted is to get my money back,dugo’t pawis puhunan sa bawat piso na kinita..
oo nga… ganyan yan.. pero sabi nila saving account ung inopen ko at sa atm ko rin mapupunta ung pera pero prang saving cya na bwal galawin hanggang matapos ung term. tsk tlga, tapos inofferan ka ng ice tea para maihi ka para hindi ka makapagisip habang talak ng talak.. sabi ko na no no!!! pero ayaw ako paalisin.. sana pala nagwala akong parang baliw para nakatakas ako.. mukang malabo na mabawi ko ung 3k.. pero magwawala ako at irereklamo ko sila sayang ung 3k no. nakalimutan ko humingi ng passbook sabi nya bibigyan nya ako.. pero ang weird insurance ata ung nabigay sken nde savings.. nanloloko cla.
Hopefully I can get it back as early as 30 days! they swiped so quickly and why is it so hard to give back the money right away ,,knowing the fact that it’s your money!
I just received a text message saying that I got 3 exclusive rewards and privileges and I can claim it at their office in Philippine Prudential office in Bulacan Branch! They gave the numbers (044) 7112328 / (044) 7112379 / (044) 8158549.and I have to look for a certain MR. ELVIN DE JESUS.
First I did not join any contest to merit that reward, 2nd last time I was in Bulacan was 2 years ago, 3rd the number was a prepaid number (09058334497)and 4th it smells of a modus operandi. I texted them back and told them I reported their modus to PNP and NBI. they stopped texting.
These people are really out to get gullible people. I resent them and they should be in JAIL!
I was almost a victim kahapon! kahit hindi ako naperahan I still feel traumatized!!! HAYUP ang mga TAONG ito. Pinipilit nila ako at ayaw akong palabasin ng office nila. They were pushing me to stay en even scolding and making me guilty for not availing this damn INSURANCE!!! bakit hindi pa naaaksyunan to??? antagal tagal na pala ng issue na to. mga putangnang yan madami pa sila maloloko. buti nalang malakas ang loob ko na umalis agad!!! kakapal ng mga mukha! hindi sabihin kung ano ang tunay na pakay nila kung sansan ka pa dadalin! wag ko lang makikita ang mga taong to na naencounter ko kahapon at PAHIHIYAIN ko talaga! MGA HAYOP!!!
oh guys MAGLIKE tayo sa fanpage ng PPLIC!!!!! sabihin naman natin sakanila kung gaano KAHUSAY ang mga tarantadong empleyado nila.
https://www.facebook.com/PhilippinePrudentialLife/photos
hi.. kakabasa ko lang ng post na to.. di ko akalain na scam pala un PPL kasi may binigay pa sila sakin na dental insurance card e.. pero valid for 1 year lang un.. di ko pa nagagamit.. di ko pa naman namonitor kung continuous ba ung pag deduct nila sa credit card.. secondary card holder lang pa nmn ako..
last jauary 13 pa ko sumali e..
muntik na rin ako madale sa tamis ng dila ng mga kahapon sabi nila 45 min. lng daw tapos umbot na kme ng almost 3 hours buti na lng nakatunog ako nun gusto na nila akong pwesahin na pumasok sa loob at i check kun papayagan daw ako ng bangko ko.hahaha!! buti na lng inalisan ko at sinabi kong may nag txt saken un friend ko susunduin ko lng sabi ko na lng bbalik ako.pero hindi na ko bumalik sa mga mandarambong na mga yon kun hindi nadali rin un pera ko. kahapon lng nangyari
PPLIC is a legitimate company. it is the marketing of their agents that i consider to be deceptive.
Good thing…tiniwagan ko agad ung bank ko kung under sila ng bullshit na insurance nato,,i make sure they change everything na na ifill up ko dun sa form,,,mga bwisit walang alam kung nde manloko ng kapwa…
karmahin din sila!!!
buti na lang at malawak ang pag-iisip ng mister ko.
last day lang ng maencounter din namin yan. kagagaling lang namin sa PAG-IBIG in mandaluyong. napunta kami ng star mall kasi pauwi na kami at hinahanap namin ang papuntang Mrt, dahil di namn nmin kabisado ang Mandaluyong.
so habang naglalakad kami, hinarang kami ng mister ko ng isang bading, his name is raffy o mas tawag daw sa kanya ay ruffa.. nagtanong kung meron daw ba kaming kahit anong card na may tatak na visa or mastercard, expired man o hindi..
tulad nga ng mga nabasa ko dito, same din, may gift na makukuha, pwedeng manalo ng honda, trip ng macau and whatever. matapos ang medyo mahabang daldalan, dinla kami sa megamall, habang lakaran yun ahh,, grabeeee….andun daw kasi yung office nila…
hay ewan ko bat pumayag kami…siguro nasilaw sa mga promo…saka 45mins lang naman daw ang presentation nila, pero inabot kami ng 1 1/2 ………… tumigil lang yung agent nang sabihin ko kya ayaw naming pumayag, ehh baka kasi maloko kami ng company nila, so wala akong tiwala, at doon lng tumigil ang ahente sa pagpapaliwanag…yung pretty face nya naging bad mode na…sabi pa nga nya “sad to say, na sa hinabahaba ng usapan natin ehh wala pa rin pala kayong tiwala sa compaany namin”………..ahahahhaha….sorry na lng po……..
pero okey naman….nakuha namin yung gift na pinangako nila…1 tumbler at 1 traveling bag………….
ingat na lng po tyo mga kababayan…
Thanks to your blog and comments guys. I want to inform you that PPLIC still have the same tactics based from your comments and comments from other sites. I was tricked by this people this evening, 7PM@Robinson’s Place Malate, because of their raffle(to win a car or trip for 2 to Macau), freebies(tumbler,wall clock,gym bag,pillow,etc) and number matching game(to win a car also) stuffs.
Requirement to avail:
1.Must have active credit card or ATM or both
2.Must agree with the “standard” 45 mins discussion/presentation of their company.(standard daw kase posible daw lumagpas)
3.Must be a first timer.
They had me agreed with those requirements promising that they will not sell me anything and Im not oblige to give them my contact#. The agent told me that it is for promotional purposes of PPLIC only. So the agent assisted me to their office at the 4th flr and transferred me to another agent who did the discussion.
At first(in the office), they checked on my ATM and credit card if valid. Since my credit card is not yet active, they only honored my ATM(dahil dito nacancel yung isa ko pang freebies, dapat 2 sana:D). They also asked the amount of money in my ATM, but I was not certain. So they suggested to have it swiped with their machine to checked the balance. With carefulness left in me, I didn’t agree with the process and prompted to just leave if they will insist.
Because of my response, they quickly honored my ATM and began with the discussion. The agent introduced the company telling that it was founded by the president of the insurance org of the Philippines(sorry I forgot the name of the organization), that Efren Penaflorida was one of their policy holder and that they were accredited by Superbrands.
Then the discussion went on. I told the agent that I will give her only 45 mins. But she made me feel guilty with sort of things. Everytime I insist with the “45 mins” thing, we argue and she kept me feeling guilty and and in return it prolonged that conversation. To clear my conscience, I stayed with her for almost 1.5hrs(what a waste!). Even though I said that I have to do background check first, the agent kept on telling over and over that their offer for the “signing” and start of saving is only valid for the day. The agent was very persistent to make me believe with everything she said within “standard 45 mins” and entrust my money with the company I only known during the same they(the hell!). I ended up pissed-off with her and the PPLIC for my waisted time.I left their office bad trip and without finishing/doing the number matching game to win a car(kuno!). I tried to return the freebie(tumbler) to make them feel worthless but they never accepted it. Now, I have it in our house as a symbol of a very annoying company.
I had observed that the agent memorized the flow of discussion by writing important points upside-down with the paper and words facing in front of me while she is on the opposite side of the table.
In my opinion, this is not just a wrong doing of some agents using this deceptive marketing. I think they were trained to this kind of deception. This is a problem within the core of this very annoying company, PPLIC.
na-trick din ako nito kahapon lang nung pumunta ako sa SM Fairview. sabi may raffle tickets daw ako dahil may ATM akong may laman na di bababa sa 6K.
ang sabi gusto lang daw nila bigyan ako ng idea about their company so pumayag naman ako.
until nung may isang babaeng nag-interview na sa akin, dami pa nyang sinasabi until umabot sa point na kelangan ko nang mag-intial daw…. gustong gusto na nyang itry yung ATM ko para malaman nya daw kung pwede eh, natakot naman ako kaya di ako pumayag..
nagmatigas talaga sya pero xempre nagduda na ako bakit parang she’s not giving you a way out of it… kaya nagalit na ako at sinabi ko ayaw ko…. buti na lang tama desisyon ko
Its been 4months now since I cancelled my policy,till now di pa rin nila nirerefund ung full amount ng refund ko, half lang ung pinadala nila s credit card company ko! pro before that sinabi nila skin na no need naraw umatend sa meeting w/ insurance commission coz isosoli nraw nila ng “full” ung pera ko. that was February pa, nkakailang ulit nkong ng lolong distance call sa kanila at sa bank ko para ifollowup,pro up to now wla paring linaw… Talagang pain in d *** tong insurance na to!!!
I just received a message about this. They said that i won 2 college scholarships na transferrable hanngang sa friend ( which is oh really?!?!) and a medical insurance. thanks for all your posts. Nakaset na sakin na pupunta ko dun eh.. Yari sila sakin bukas :$
Shempre gusto natin makatulong sa relatives and friends natin so we can send them to college..
Thanks for all your help guys..
GODbless sainyong lahat
iba na ung modus nila ngaun…
through text. butinlang nag research muna ako bago ako kumagat. ito ung text nila sa akin…
Final Notification:
“Good day!! This is Mr.Padilla from Philippine Prudential.You are Entitled for 3 Exclusive Rewards and Privileges for free that are still here in our office. You need to claim and activate it within the day,because the management will finalize all the records of our clients/recipients who dont claim their rewards. For your claiming code which you will need to present upon claiming; you may call us exclusively in our Makati office from 9am-5pm for further information ,pls call at 7551532,upon receipt of this message. Thank you and God Bless.,
(disregard message if claimed).”
na akala ko ung sa smartbro ko. ngaun ko lang naisip, anong kinalaman ng PPL sa smartbro q? kc nga itong number qng saan sila nag message eh smartbro number ko tas tapos na contract ko may rewards din akong makukuha from smartbro na which is wala kc nga modem lang gamit ko.
so nag reply ako dun sa agent na nag text sa akin
yesterday… sabi ko cge punta ako sa office nyo bukas pacnxa na ngaun ko lang nabasa message nyo (ung message nila ay limang araw n ang nakakalipas bago ko ito nabasa).
so they texted me again.. maybe they wondering why i dont cme to thier office. thier text said…
“Philippine Prudential
4th floor Equitable Tower Paseo De Roxas, Makati City.
( beside B.A. Lepanto bldg. Infront of Ayala Triangle Garden )
Control no. DR08D88V
Look 4: Richard Padilla
w/3 valid IDs
* company ID
* goverment ID
( sss, tin, license, passport )
* bank ID
( visa, master card )”
so pls… qng naka-experience man kayo ng ganito sa pamamagitan ng text, research muna kayo. buti nlang di ako nabiktima at nbasa ko itong mga comments nyo.
after qng mabasa ung iba sa mga comments ko dito nag reply uli ako sa PPL agent na un sabi ko pag di nila ako tigilan sa kaka txt papadala ako ng imbestigador jan. (sana nga matakot ang mga loko)
sobrang helpful sa akin ang mga comments nyo
para maiwasan ko ang ganitong mudos.
Just now, merong tumawag dito at ganyan rin ang pambobolang ginawa, scholarships, etc, etc (hahah, di nila ako mauuto). Bakit hanggang ngayon nagooperate ang kanilang panloloko. Anong ginagawa ng mga pulis? DTI? NBI? shit ang mga taong mandarambong mga ito.
PS: At papaano nila nalaman pangalan ko at tel # ko sa office? Delikado pala yun ah.
At kahit sabihin ng companya na wala silang kasalanan at yung agent ang nanloloko. Sino ba ang nagbabayad sa mga ito? Sino ang kumikita dito? Walang parusa sa krimeng ganito?
Naku ganyan din ginawa nila sa akin, may scholarship tranferable sa relatives plus insurance for me etc. De ko alam pano nila nakuha PLDT tel# ko, by “referral” daw! Buti at nabasa ko agad ito, i’m about to go there now, pero nag double check ako . . . ayun scam nga…grabe. pag tumawag uli sila . . . paaasahin ko na sila o di kaya sasabihin ko sa kanila mga nabasa ko dito. THANKS SA MGA SULAT NYO. DON SA MGA BINIKTIMA NITO O BINIBIKTIMA NILA I’M ENCOURAGING YOU TO WRITE PARA MABAWASAN ANG BIKTIMA NILA.
may tumawag din saken today same lang po ung mga complain nyo saken bat buti na lang alam ko kaagad ung modus nila….kaya next time talaga ingat ingat tayo.
Ask ko lang po isa po akong OFW, na nakakuha ng insurance sa PPLIC, at gusto ko ng ipa cancel ito, pwede po bang i send tru email ang letter of cancellation ko at e-refund ang binayad at deposit nila direct sa ATM bank account ko sa BDO.dala ko ang mga docs. pls. advise.
aq rn nloq khpon s sm north..nghi2nyang aq dun s 3k n nkuha skin dental care for 1 yr..tsk tsk.. nghi2nyng tlga aq..mba2wi q p kya un 3k. check lng dw un credit card tpos bglng swip,potang ina.d q lubos maicp pno aq nauto ng mga trntdong un putang ina nla!maba2wi q p kya un 3k?
buti nalang po nag search muna ako at nakita ko ang mga comment at reklamo nyo. kasi po may tumawag sa amin nung last saturdat ng 2:00 pm sv dw kung nandito dw c mr. jayson (my husband)ksi dw nanalo dw kmi ng libre insurance at free scholarship two years para sa anak namin pagdating ng collage,at 3 raffle draw na nag hahalagang 50k.eh di ko po pinansin ksi nga po pumasok sa isip ko eh scam.tapos tumawag po cia ulit ngayon may 7, 2012. 1:30 ng tanghali kung interesado pa dw kmi sa prices ng asawa ko nag isip tuloy ako na bka totoo nga un try namin pumunta bukas thanks god nga po nabasa ko na to mga comments ng mga nabiktima.hinihingi nya po ung 3 valid i.d at credit card sv ko po wala kmi credit card sv nila cno dw pwede meron credit card isama na din pra makuha din dw n reward.Nagpakilala po cia na c ANNROSE NAVEA. binigay pa contact no. nia 8372865 ang landline nila sa RIBINSON SANTA ROSA dw ang office nila. sana lng po kung di cla totoo sana po mahuli na cla pra d na makapanloko pa.
kakatext lang din skn, and exactly the same with the text stated ni scarlett. i even called their office to ask kung pano ako nanalo e hindi naman ako sumasali sa kahit anong game. and tinanong ko dn kung paano nila nakuha ung no. ko e kapapalit ko lang ng no. mali ko lng, ngpakita ako ng interest and asking so many questions with regards to the reward their talking. buti nlng naisipan kong magchek s net. and thank you s mga taong concern. muntik na akong magleave this week para lang pumunta s office nla. again thanks..
buti nalang nag search ako sa internet. papunt ana sana ako. may palaging tumatawag sa akin Anna Rodriguez ang pangalan.
Ito po ang text nila.
Good Day! Pls be reminded of your claiming schedule today 1pm here at Unit 064 6th flr. Pryce Tower, Bajada Davao City.
nag taka ako bakit ako may mga unclaim documents sakanila na wala naman akong kahit anong ana applayan na insurance company.
Thank you talaga sa mga comment ninyo.
I admit, naengganyo din talaga ako dito dahil siguro that time eh naghahanap talaga ako ng investment. 19k daw ang required amount para maging member ka at para maging eligible ka for 3-5% interest after 7years. From 19k, huhulog ka na sa kanila monthly (ok lang daw kung hindi consistently). Magkakaroon ng 3-5% interest yung pera na pinatago mo sa kanila after 7 years. Naengganyo ako kasi pinarealize nila sakin na mas malaki tutubuin ng pera ko sa kanila kesa sa banko. I just have to wait for 7 years. Sabi ko sa kanila, gusto ko magmember pero wala akong 19k. Ang ginawa nila is 6k daw okay na. At yung balance ko daw na 13k ay okay lang anytime ko ibayad sa kanila. At magsisimula lang yung monthly contributions ko kung makumpleto ko na daw ang 19k. So nag-go na ako. Naniniwala naman ako na legitimate ang PPLIC. Hindi lang talaga maayos ang marketing strategies nila. Sa mga negative feedbacks na mababasa mo online, hindi mo maiiwasang hindi magduda.
Andito ako ngayon to ask for your suggestions and opinions. More than a month ago na since I signed for the insurance. And I don’t think na makukumpleto ko pa ang 19k na hinihingi nila. I worry kasi kung hindi ko lang din naman makukumpleto ang 19k, no sense na nasakanila ang 6k ko. Though I know I can already use their medical benefits pero it’s no use din kasi I have my medical benefits naman from my job. So gusto ko sana bawiin ko na lang ang 6k ko. Sabi ng customer rep na nakausap ko over the phone, magbigay lang daw ako ng cancellation letter kung saan ako nag-sign pero hindi nya sakin maensure na maibabalik sakin ang pera ko. Dapat daw may matinding reason ako for my decision to cancel it. Hindi ba sapat na gusto ko lang icancel just because I don’t want to pursue it na? I just wonder what you guys have to say on this. I need advice. Gusto ko na lang talagang bawiin ang 6k ko.
Anyway, thru my ATM card (BPI) nila kinuha ang 6k ko. Sana marefund ko pa
The refund will be a great help para sa ibang priorities ko. Help guys 
After receiving an SMS message from 09279932786, I went to google right away to check the Philippine Prudential. So here I am now.
The content of SMS message are as follows:
****
FINAL NOTIFICATION
Good day! This is Ms. Michelle Corpuz from PHILIPPINE PRUDENTIAL. Your 3 Exclusive rewards and privileges are still here in our office.
You need to Claim and Activate TODAY. We are finalizing all the records of our recipients who did not claim their rewards yet. Kindly call exclusively at our Makati claiming office. Hotline: (02) 512-3608 for your CLAIMING CODE and for further info. frm. 8am to 5pm. Thank You and Godbless! (DISREGARD IF CLAIMED)
****
I believe this is the same or similar message being received by others here.
Well, I’ve been receiving this for quite awhile. So, I believe that this is a scam as i kept on winning the same item.
So keep your precious money with you. Do not let it slip out of your hands.
hello guys,nkabayd den po ako sa plan ng pplic jus this may 14,2012 in Robnsons Malate, eh ngayoun nkita ko mga blogs d2 gus2 k na po ipacancel, what will i do pls help me guys. i paid 21k and i am from davao..thnks and godbless
Hi sir!
Naloko din ako last month ng Prudential na yan.. and same ang ngyari sakin from sa pag harang, sabi na pwede manalo ng lecheng kotse, trip abroad with pocket money..sabi nila 45 minute presentation tapos umabot ako ng 3 hours! tapos dindeductan ako ng 14k sa ATM. mga hayop sila!
I was wondering if i can still get a full refund or if not at least half ng payment ko.. Nagtataka kasi ako kasi sabi nila I will get a receipt every month sa premium deduction sa ATM ko.. Pero wala! So it made me research if this whole thing is a scam.. Well evidently, ang dami pala din nila naloko..
If you could help me on this matter po.. PLS thanks very much!
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