Stay Away from Philippine Prudential Life Insurance Promos as they are Scammers!!!!

Philippine Prudential Life Insurance Company Freebies and Misleading Marketing Tactics

Don't talk to strangers.

It's probably one of the first few things that parents tell us as kids so we could avoid getting into trouble. It's one of the most important reminders that I failed to give heed last Saturday, June 12th, 2010.

Me and my mom were in SM Cebu City to purchase our food since the next day we will not be shopping as part of our Sabbath Day observance. We bought some groceries and decided to stop by Jonie's restaurant. Since SM Cebu is a bit bigger than SM Iloilo, we were not used to where Jonie's is situated. We passed by a group of ladies and a guy who asked me if I wanted to own a car and if I already have one.

In most cases especially when I'm alone, I wouldn't give them even my slightest attention. However, that day, I decided to be a little polite though we were in a hurry so I could utilize the ticket that was given by our former neighbor in Aklan. I was about to go to Cebu Coliseum so I could get to see the Youth's Cultural Presentation. But everything changed when I listened to the ridiculous sales agents of PPLIC or Philippine Prudential Life Insurance Company.

The lady who approached me was Loreli. She was in green long sleeved and formal attire and she kept on saying that she would take some of my precious time to introduce their company but she wouldn't be selling me anything. I just realize we've always been saying that when telemarketing. I was so stupid to have fallen to such a bait. To cut the story short, I have been duped by the Philippine Prudential Life Insurance Company sales agents. They're all over SM malls wearing green and would entice anyone they feel they could hoodwink and approach the unsuspecting people with freebies.

I have long been planning to take a life insurance but more of an investment or savings. I actually spoke with the manager of Insular Life in Iloilo about the plans and I love their products. It's just so surprising how I still got swayed by the Philippine Prudential Life Insurance Company (PPLIC) agents. They use PPLIC now since when you take a few minutes searching their whole name in Google, the third search result would be a proof that they're scammers.

They would bring you to their office with a lounge and a flat-screen TV and bazillion of agents in green while the guys are wearing formal attire with neckties. They would then ask you to sit down with an assigned 'presentor". Emelyn C. Pacatang was assigned to me. The first thing I noticed about her was she's fond of tapping in your shoulders or shaking hands. They seem to have a habit of trying to make a contact, and looking for a common ground.

She keeps on emphasizing that she's not selling anything. She showed me the picture of George Mercado, the Chairman of the Board of PPLIC (Philippine Prudential Life Insurance Company). Then the next picture was that of the man behind wheels and they said that his wife, who's an OFW, won the Honda car from their raffle promo.

I am naturally skeptic. So my mom was. However, I don't know what exactly happened that day that I was lured into signing up with them. Clearly there was misleading and misrepresentation. They'd lure you into taking a free or giveaway (usually a tumbler, pillow, wall clock) and a chance to win $10,000 or a Honda car. It was all too sweet and when I looked at their sales agents in Iloilo earlier today, I still can't believe I was duped.

Credit Cards, Checkbook, Active Debit Card

That's a picture of me(with the white bag), a sales agent from Philippine Prudential Life Insurance, my mom(wearing apple green t-shirt) and Emelyn. Beware of the faces of the two scammers! You could be their next victim!

Loreli's first approach was to ask me if I have credit cards. I personally prefer not to have one. So she proceeded if I have a checkbook. I told her I have one but I left it in Iloilo. Then she persisted and figured I have a Debit or ATM card. She said that each item has corresponding points.

1. Credit Card - 2 points
2. Debit Card - 1 point
3. Checkbook - 3 points

She then asked me if my debit cards are active. She then told me that they wanted to give me a freebie in exchange of listening to their 45-minute presentation and again emphasized that they're not selling anything.

So to cut the story short, I signed up for their Endowment Savings Policy and they charged or deducted automatically an amount of Php 6,650 from my Debit Card.

Cancelling my Philippine Prudential Life Insurance Policy

As soon as we got back to Iloilo, I looked them up in Google and my intuition was confirmed.

I got scammed!

It's funny how I have been warning everyone about au pair scammers yet find myself duped by insurance scammers from Philippine Prudential Life Insurance.

I withdrawed all my remaining money from my BDO (Banco de Oro) Debit account so they wouldn't be able to deduct subsequent monthly premiums. I then called their customer service (02) 902-2300 and informed them that I want my policy to be canceled. They asked me about my reason and I told them I cannot deal with a company with a bad reputation and allows its agents to mislead.

Earlier today, I gave my letter of cancelation to their manager who identified herself as Renzel. She tried to talk me out about not canceling but I was firm about my decision. I gave her the letter and she then referred me to their Customer Service Representative, Joan Absalon. They processed my documents and received them while I kept a copy that they received it. I also asked for a SOA (Statement of Account) with a status of "Canceled upon inception".

They told me that I will need to wait for about 30-45 days.

I told them I don't give a dang as long as they cancel the policy!

While waiting for the whole process to finish, Renzel tried to be a little amicable by asking me questions about my work and people that we might know in common. I tried to be polite but told her I wouldn't disclose any more information.

Debit Card and Credit Card

Today I just realized that it's better to transact using a credit card especially with bigger amount of money involved because you can file a letter of dispute just in case things like this happens whereas for the Debit card, I would need to wait for the Philippine Prudential Life Insurance to process the refund.

The customer service representative from BDO (Banco de Oro) told me that they can't freeze my account or prevent the Philippine Prudential Life Insurance from deducting monthly fees from my account because I didn't sign an Auto Debit Arrangement Form with the bank and Signed a Continuous Billing form with the Philippine Prudential Life Insurance instead. Clearly, the bank doesn't have any hold on this. My only option is to terminate the account or have it closed. However, they would need the said account so they could charge me back or refund my initial payment and cease from deducting monthly payments on my card. I just wanted to be a little sure that the cancel status wasn't doctored. I just wanted to make sure they would no longer deduct any amount from my debit card.

Now I will need to wait for 30-45 days for the Philippine Prudential Life Insurance to process my request.

What I've Learned from Being Scammed

1. What doesn't kill me would make me stronger and wiser.
2. Do not easily trust people.
3. Research before you make a decision. You can't just decide about your life insurance in just 45 minutes!

Warning to Everyone

I've read an anecdote before that if anyone sells you an insurance, run away from them. The sales agents from Philippine Prudential Life Insurance are still very much free to lurk in all SM branches across the Philippines. The SM Management doesn't seem to care about what their tenants do as long as they comply with their payments and their business requirements.

It is therefore everyone's obligation to be warned and warn others! Kindly tell everyone you know not to fall for the Philippine Prudential Life Insurance or formerly Danvil's insurance scam.

Let us know if you've been through a similar situation and how you were able to get your money back.


UPDATE: I got a chance to speak with their corporate representatives and they explained to me that they do not tolerate these deceptive tactics by their agents. Before deciding on cancelling, you may want to read their side too by going here.

Below are some of the steps and links which you might need to cancel your policy and a sample cancellation letter.

Philippines Prudential Life Insurance has returned or credited my money back to my debit card today! (July 10, 2010) after 25 days!


Philippine Prudential Life Insurance Company Cancellation Letter Example




255 comments:

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Anonymous said...

Oh my God!naloko rin pala ako, last october 2012, im at SM Cebu, the agent of PDLCI approach me that i am qualified for their promo if i have an ATM, so i let them to see my ATM, they want me to have a receipt of my savings if i am qualified, i went to the ATM machine and get my receipt, i give it to the agent.. HE said, Sir Congratulations!! qualified ka sa Promo, and makakuha daw ko ug reward, clock ba, or mug or bag, then he said to me > SIr, ok ba nimo na mo attend ug 45 minutes seminar sa taas, so i said, its OK..then we go to the 2nd floor of the SM building, then didto the girl agent , with a name mischelle, said she is not selling, puro maka fell ka mamugos jud, its almost 1 hour na lang cge jud cyag ingon nga sayang daw jud kuno kaayo kay karon ra kuno sila gaingana nga nag promo , she give me options, mao tong dili jud ko kakuhaun napugos nalang ko kay nauwaw nako mutindog. i choosed the 3,000 plan yearly.. gipapili ko ug asa ko mubayad sa debit ba or cash..dugay jud ko nakatubag if asa naka e charge ang bill, thanks god kay ako gi cash, bantog ra kay papirmahon ka niya ug sa ATM daw, kay means daw nga niuyon daw kA! maayo gani kay wala ko sa ATM nagpacharge mahurot unta akong sweldo evry month ug dedcut.. thanks GOD, 3,000 ra ang na damage sa akoa..then karon decemebr 12, 2012, i received a text message from hermila alimanio, a reward officer from phil prudential life insurance regarding my reward and previliges which i am going to claim at keppel center cebu. si txted her what kind of rewards is that coz im here in bohol and its a distance to travel to cebu./ then she called me back that the reward is a certificate of scholarship for 2 years which is transferable and no expiration, a trip for two , kitchen wre and etc.....she said to me that i will bring 3 valid ids which i had presented when i applied to this company, i said if wala bang bayad pag kuha ng award, she said wala daw kasi awards nga ng kanilang 49th year anniversary..so i said ill go there this friday, kasi may deadline daw sa sabado..nagtxt siya sa akin ulit na makuha ko daw dun sa 3rd floor rm 308 keppel center cebu business park ayala. your caliming code MOC-6016 and look FOR HERMILA.i made a research and i found out that PdLIC was a SCAM, evrything i search on the internet i alwasy see the word SCAM, and i found this blog. i texted her that how true it is? then she try to call me 7 times and i didnt answer it, even she txtd me that she is trying to call me. please anybody wants to help if waht this award is? is this really a scam? my goodness nailad jud ko!! huhuhu....

Anonymous said...

taas ng message ko tapas hindi naman ng post.

Anonymous said...

Biktima rin po ako..halos ganyan din ang ginawa skin..mabawi ko p kaya ang pera ko? Nasa 19k plus ang nakuha nla sa atm ko.
Almost 2 years ago na rin.sana mabawi ko pa..

Anonymous said...

try ko lng ask un nag file ng cancellation my refund b kau?kc hnd ko rin alam isa din ako scam last jan 2013 ang mskit pa 98k ang nkuha credit card ko dito po ako nag work sa canada hnd ko alam kon ano ggwin ko? july 2013 start na cla kkuha monthly credit card ko! kon cno mn sa inyo mkatulong skin kon ano dapat ko gwin gsto ko rin cancel insurance ko...salamat po sna my matulong skin ang layo ko kc sa pinas..

Anonymous said...

isa din po ako nbiktima scam phil prudential ins last jan,2013 bgo lng po ang mskit pa 98k ang nkuha sa credit crd ko. dito po ako nag wwork sa canada baksyon lng po ako sa iloilo dito ko p na meet un agent ng prudential nitong july 2013 mag umpisa cla monthly kkuha sa credit card ko ano po b pwding gwin ko ipa cancel ko rin un insurance ko? kon cno mn makkatlong skin or mag bgay ng idea kon ano ggwin ko kc ang layo ko sa pinas! ang laki nkuha nilang pera skin... naghihingi po ako ng tulong sa inyo... salamat po!

Anonymous said...

Guys nabktima din ako nito sa gateway mall nmn pinaka bago nilang lugar. Ayoko iavail pro i ended up na kumuha ng plan. I called my bank pro sbi sa insrance cmpny dw ang cancellation. I used crdt card and planning to cut it off pag di kinancel ng pplic un plan ko. Babalik ako dun da ofc nla to send my cancellatiom letter kso im thinking bka kausapin na nmnn ako ng kung.sno sno kaya thru fone nlng sna then email ko nlng un lettr. May assurance kaya ako na di na nla ako dededakan after that? They really have poor markrting strategy kht na sbhng legit sla. Thanks sa blog na ito i was gven hope

James Brooke said...

They have the same tactics, same promises, same everything! My wife and I got duped yesterday. Tsk. We got out the moment she was asking us to shell out any amount of money we had that day from our bank accounts/credit card. We said we'd be back to reconsider, which they told us we can do, but refused and told us it's a one-day deal. WTF?

Anonymous said...

tanung ko lng kc kanina nakipagusap dn aq s prudential life na swipe dn po ung atm ko taz pagpasok ko po s office nla my pinirmahan aq n information about s akin with my signature.pero hnd po aq pumayag s cnb skin taz sb ko gsto ko n umalis sabi ng kausap ko wait ko lng daw ung exit form ko.pero kinabahan aq kaya umalis nlng ako bigla.taz chineck ko agad ung atm ko kng kng my nabawas wala nmn tapos nagchange pin n ako pra hnd cla makakuha s atm ko.kc kinabahan po tlga ako.sa sitwasyon ko po b dhil my pinirmahan akong papel about s information ko at na i swipe ing atm ko ibig sbhin po b my trandaction n po b ako s prudential?

Anonymous said...

please help me what do?asap.thanks

Anonymous said...

Mam, wat f kung atm saving account gamit ko. Kilangan p rin bang mgfile ng dispute s bank ko? Pls do reply. Thank you

Anonymous said...

Muntik na ako kanina. Alam ko naman na di tlga maganda name nila. Nwala lang sa isip ko at masyado ako naging mabait sa knila since ayaw kong mambastos ng babae. Buti nlng di ako pumirma ng kahit anu, pero ni swipe nila ung debit card ko to check ung balance.. not sure if mababawasan ako pero chineck ko naman, same pa rin. Pero para sure papapalit nq ng payroll account. Bwisit sila! Ayaw pq paalisin. May proper exit pa daw. Hay naku. Deadma.. nilayasan ko nga. Hinabol pq to give my thumbler.. sabi ko no need, inyo na. Basta. Asar sila.

Jayson Secong said...

Last january 25, 2014 I was in Iloilo city to celebrate their Dinagyang festival..we arrive there at around 2pm, since wala sa plano yung pamamasyal nmin ng kaibigan ko,,pagkadating na pagkadating nmin sa iloilo ay gumala Agad kmi, mga 4hrs na walang humpay na lakaran around iloilo nung nagdecide kme na pumunta ng SM city iloilo..nung nsa sm na kme mga around 6pm na nung mkpagdecide kme na humanap ng matutulugan kasi d pa kme nkaka pgpbook at almost all ng hotels nun ay puno na. On r way palabas ng SM may nkasalubong kming mga staff from Philippine Prudential Life Insurance at inalok kme na sumali ng raffle for free, dahil na rin sa pagod inintertain nmin ng kaibigan ko yung alok nilng promo for us to have a sit. Na offer cla ng freebies kgaya ng tumbler, pillow at gym bag, after nun inalok kme na pumunta sa office nila para makaavail ng mas maraming raffle tickets,,but we need to render our 45 minutes precious time upng mkinig dun sa kanila.dala ng kapaguran tinanggap nmin yung offer para mkapgpahinga kahit papano,,during our conversation inoffer na nila yung mga products nila,keep shaking my hand at walang kasawasawang paulitulit sa mga pinagsasabi nila,,paikotikot lng yung topic nmin...kailangan ko dw gawin savings yung credit card ,,endowment savings dw..d ko na na malayan na almost 2hrs na pala kming ng uusap and then i decided to stop our conversation buy saying i wont sign a contract with them,,dun biglang nagtawag ng resbak yung representative nila, nagtawag pa ng dalawang sales agent trying to convince me to sign a deal,,pero nagmatigas ako dahil sabi ko wala sa plano ko maginvest at d ko pa masyadong kilala yung company nila. Hanggang sa parang nagagalit na yung mga agent nila dahil ayaw ko, gusto ko sanang magalit sa kanila dahil sinayang nila yung tsempo ko at parang scam talaga sa paningin ko,d ko lng mkuha mag suplado kasi maganda cya..hahahaa..naawa lng ako dun sa mga nka sabayan ko kasi nahuthutan sila hanggang 50k ng bigla bigla lng...c REGINE REBALLOS yung representative na nagsinuplada dahil hindi ako nagpaloko sa kanya..

jayferson manzano said...

sana mabasa nio po ito: feb 20,2014 around 3pm nabiktima dn asawa ko nian. nadala sa mga bulaklaking salita kumbaga. sinamahan ko sya sa southmall kaso dun ung branch gs2 ko po sna i pa cancel ung insurance plan, kaya lng nka indicate sa napirmahan niang papel na non-refundable, which is wala na akong mgawa. 4,500 ung kinuha sa atm nia. pra sa amin na nagttrabaho ng min. lng ang sahod, napakalaki ng 4,500pesos. pero kung nagkataon kasama lng ako ng asawa ko, hihilahin ko palabas ng office un.

Ria Verdolaga said...

I feel so stupid about having fallen into their trap! Sabi ko pa naman sa sarili ko I won't get any of these crappy life insurance policies. I just got mine yesterday and will be cancelling mine ASAP.

Anonymous said...

Maam please help nyo po ako pano! na biktima lang ako dis march 1 gumwa na ako cancellation letter pero di ako nakahingi ng soa! pano po un ano ggwin ko...

Vhan alviar said...

I was about to scammed by them..At Mabuti nalang nagdalawang isip ako...Ingat ingat nalang...Wag magtitiwala kaagad.Dahil mabibiktima ka kagad..

John Philip Tapucar said...

Good Day! I want to report Philippine Prudential Insurance Company, Inc. A registered company under Insurance Commission regarding their deceptive marketing. After searching the net and watching Mr. Anthony Taberna's video in XXX, I felt that it they have deceptive marketing strategy. Unluckily I was one of their victims in Gateway Mall, Cubao yesterday. I cant imagine why malls tolerate those companies roaming with those kind of dirty tactics of harassment just to get their customers. This is my story, "pumunta ako sa gateway mall kahapon para lang magpalamig at mag wifi pero bago ako lumabas may isang lalaki na ang pangalan ay Bien ng nasabing company na lumapit sa akin at nag alok ng free raffle either mananalo ka ng brand new car/ trip to vietnam, and bibigyan ka din nila ng free gym bag, at tumbler nakalimutan ko na din yung iba. Pinili ko yung tumbler. So before yun tinanong niya ko kung meron akong ATM or Credit card, kase need daw yun para makasali at sinabi ko oo. Tinanung niya laman ng account ko so sabi ko less than 20k nag withdraw na kase ko then kung pwede ko daw bang ibalik yung nawithdraw ko para maging 20 k daw. Sabi ko hindi pwede kulang na. We proceed pa din, Sabi niya kung narinig ko na daw ba yung philippine prudential, sabi ko hindi pa, and sabi niya sir kase wala kaming advertisement ito manner namen para mapakilala yung company. So after nun nagrequest siya na pumunta sa taas para magverify kung may laman nga yung atm account ko, iveverify lang naman so nag oo ako. Then after nun pinapunta niya ko sa main office nila para kunin yung tumbler. Then Sir pag tinanaung ka ng staff sabihin mo yes lang para maibigay yung tumbler para confirmation na nasabi ko yung mga details. Then yun nagtanong na si girl na nakabraces, as usual yes ang sinabi ko. Tapos after nun may 45 minutes lang na orientation para mapakilala company nila. So ok lang ulit, pumunta kami sa kabilang side ng office nila. Ang pangalan ng girl is Lorna Lim. Ayun nagsimula na sa mga offer na insurance, "Alam ko na to nasabi ko sa sarili ko". pinilit talaga ko para kumuha ng insurance na ayaw ko then sagot ko hindi pa ko sure. Sabi niya pano kung may mangyari sayo paglabas mo ng mall maaksidente ka atleast insured ka. Then nag alok sila ng mataas, then umabot ng 4500 eh malaki pa din kase naghahanap ako ng work need ko ng money. I want to go out to search muna sa net kung liable kase naloko na rin ako dati, sabi nila one time opportunity lang daw sayang, yung iba nagsisi nga daw. Then hanggang napilit nila ako sa ayaw ko parang hinihypnotize ka nila ayaw kase kung palayuin habang naguusap kame, baka makita daw ng head niya. Kwento pa niya 63 years na sila bakit naman sila manloloko then sabi pa niya under Department of Treasury sila. Paulit ulit lang siya after 45 mins syempre you will decide muna and come back sabi ko. Sabi niya sayang to yung iba nga nagsisi bakit now lang daw nagsimula na magipon. So ipon na pala. Then until hihiramin lang card ko and verify until na pin ko na at ayun. May video pa sila na pinagawa. tapos sinearch ko agad pag labas ko shet scam nga bumalik ako and sinbi ko na scam pala kayo hindi ako natakot at kung anu anong papers pinakita nila. They are operating in gate way near LRT. LABB Plus yung inavail ko. Pinakita lang nila na non refundable after na and naiinis na talaga ko. Under articel 4 ng insurance code section 26-27. I will go to Insurance Commision this monday. My no. 09066396936

joyce said...

hi to all! :) if you have questions about financials, insurance, investments, or you are planning for retirement, let me know so I can share my knowledge with you :)

lorens said...

Good Day!

i encountered such same things of invitations and tactics of the said PPLIC and i received a text message MAKATI PPLIC ADVISORY: Kindly Claim your Rewards at Phil. Prudential located at 4th flr. BDO Equitable Tower, Paeo de Roxas, makati City (Besides Lepanto Bldg., infront of Ayala Triangle) and they call me just yesterday July 29, 2014 at 10am that i won a raffle.. (a scholarship grant and rebonding worth of 1500) i told them that i don't have sufficient amount stored in my savings. Ms. JOY told me that it is important that my savings had atleast 5-8k balance.. and they told me to go to there office on the said address. they scheduled me on or August 16, 2014 to claim my price since my atm card has insufficient amount.

Rej said...

May ganito ding nangyari sakin last August 30, 2014 at tlagang namimilit sila na maglabas agad nang pera at parang nagagalit pa sila mag iisip ka muna or d next day kpa makakapagbigay nang feedback sa kanila.. at kapag tumungin ka sa ibang table/sa paligid mo nagagalit din ang nag eexplain sa akin na para bang bawal tumingi sa paligid ko..

MelanieFernando said...

Oh sorry to hear your story. Good thing my husband and I didn’t apply there. Thanks for sharing though; this will serve as a warning for us that not all insurance companies are trustworthy. Our business establishment is insured under Maprfe Insular, this was recommended by our business partner in Cebu.

cye said...

Hi I need help... same day nyu lang din nakuha ang letter of cancellation na signed by the manager and the SOA sa PPLIC? Kasi un nanay ko po nakailang balik na pero sinasabi nila wala un manager at tatawagan na lang pag okay na daw po.. bigyan nyu po ako ng advice kasi parang niloloko na nila nanay ko at naka ilang balik na pero walang nangyayari po nakakuha sila ng 13k sa CC at may monthly pa na 3k per month sa CC nya... NEED HELP pls... advice po :((

Anonymous said...

Hi I need help... same day nyu lang din nakuha ang letter of cancellation na signed by the manager and the SOA sa PPLIC? Kasi un nanay ko po nakailang balik na pero sinasabi nila wala un manager at tatawagan na lang pag okay na daw po.. bigyan nyu po ako ng advice kasi parang niloloko na nila nanay ko at naka ilang balik na pero walang nangyayari po nakakuha sila ng 13k sa CC at may monthly pa na 3k per month sa CC nya... NEED HELP pls... advice po :((

Anonymous said...

Hi I need help... same day nyu lang din nakuha ang letter of cancellation na signed by the manager and the SOA sa PPLIC? Kasi un nanay ko po nakailang balik na pero sinasabi nila wala un manager at tatawagan na lang pag okay na daw po.. bigyan nyu po ako ng advice kasi parang niloloko na nila nanay ko at naka ilang balik na pero walang nangyayari po nakakuha sila ng 13k sa CC at may monthly pa na 3k per month sa CC nya... NEED HELP pls... advice po :((

Anonymous said...

Inexplain nila ang details sau before ka nag signed up, right? Dapat inintindi mo muna. The fact na nagsigned up ka ibig sabihin pumayag ka. So nadebit un amount kc initial payment mo yun sa insurance n kinuha mo...at kaw naman nagpindot PIN db? Lesson: Huwag magpretend na getz mo na khit ang totoo di naman tlg. Hay...pride.

Anonymous said...

Hey, i just received a message that I was randomly selected as one of the winners for their raffle today, and advising me to claim my "exclusive" rewards on their main office in Equitable BDO Tower at 4th Flr. I have read all your messages today, being curious in other people stories. Hope that my curiousness will not seek far until I will convince myself to head to their office, but thanks that I didn't allow myself to be mislead. Thanks for everyone's information.Google is also a big help to this matter :)

Anonymous said...

I almost got victimized by this company. Mabuti na lang at naging firm ako sa hindi pagpayag na kumuha ng service nila. Yung gift kuno na ibinigay nila na wall clock ay hindi naman gumagana. Haay grabe sila, umiyak pa yung presentor na natoka sakin, akala naman nila madadala nya ko sa drama nya. Ang gagaling mambola.

Anonymous said...

ask ko po sana if nagcheck lang sila balance sa debit card bpi ko eh nung natsek 20.00 lang laman, wala na po ba sila makukuha sakin nun monthly tutal di naman kami nag sign up sa prgram nila.dun pa naman minsan pinapadala payments sa tutorial ko. thanks po.

Anonymous said...

To Crab link.
Nag aalok sila ng raffle dahil aniversary daw ng company na ang raffle ay bagong car. Ang tanong ko sa kanila bakit kayo nagpaparaffle sa hindi member sa inyo. dapat dun sa mga member lang ninyo. Wala silang masagot sa akin. Ang tapos sinakyan ko lang sila sa alok nila para mag imbestiga. Then tanong nila sa akin kung may ATM ako or credit card. Sabi ko meron.Check daw nila kung gamagana yung account ko. Dinala nila ako sa taas ng Office nila. Then they swipe my card na hindi pa ako pumapayag. Lucky na lang na lagi kong empty yung ATM ko na RCBC My Wallet.Gamit ko yung card ko para dun mag deposit ng payment ang mga customer ko. May pinakilala sila na dalawang tao na sasali sa Raffle pero hindi sila makatingin. Madali lang maging legal yan dahil kukuha lang kayo ng permit but the process na ginagawa ninyo ay scam.

Anonymous said...

Same then ang nangyari sa akin. Sa may starmall nmn. buti nalang na withdraw ko na yung pera. Nung ginamit nila ang card ko para ma check swipe nila ito na walang pahintulot sa akin. nag close account na lang ako then gumawa ng bagong account baka makuhanan pa ako ng pera.

bulakenyo said...

Nabiktima din ako kagabi lang (Feb 2, 2015) sa my SM Fairview branch nila. 4,500 ang inooffer sakin since sabi ko 5K lang laman ng atm ko. Pero sabi ko ang mahal pa din, i have doubts pero nagpumilit tlga ung agent, more convincing words pa pngsasabi. pero sabi niya lowest n dw ung 4500, w/c is not true db? ito ang ilalaban ko sa kanila pag magpapacancel ako. mali maling information at pinepressure ka na um-OO agad. papasama ako sa tatay ko pagbalik ulit dun dahil nagalit dn ang papa ko dhil ngtiwala agad ako at nglabas ng pera.

cnu po ang other victims dito na s SM fairview branch? mas ok cguro kng sabay sabay tayo pumunta pra full force at pg hnd cla pumayag, sumbong tau sa IC. sna my mgrespond po. thanks!

Kimmy Austero said...

Hi. Curious lang ako if almost 2 years ago pa since nung nag-sign up ako ng plan nila? Pwede ko pa ba mareimburse or refund initial payment ko na Php 8000+ sa kanila. Though wala naman ako monthly na hinuhulog pero kailangan ko na kasi ulit ung pera na yun. Hindi ko naman nagamit maski isang dental procedures or offers nila sa plan, hindi ko nagalaw maski isang beses. Paano ba ito? Can someone help me?

Thank you!

Anonymous said...

i RECEIVED THIS TEXT MESSAGE TODAY DATED 11 OF MARCH 2015...
"PPLIC NOTICE: TO MR/MS (DELETED) GOOD DAY! THIS IS MR ANTHONY FROM PHILIPINE PRUDENTIAL!FOR THANKS GIVING PROGRAM. you are entitled of exclusive rewards and priviledges.
1. Scholarship voucher good for 2 years
2. discount coupon for zele wellness
3rafflr entry for a chance to win a brand new honda car/trip to asia, ALL FOR FREE
all you need to do is claim and validate it. we're located: 4th bdo equitable tower, paseo de roxas ayala, makati. etc....

buti nalng nagsearch ako, and found out to your blog about the modus operandi of these scammers

thanks...

Anonymous said...

i RECEIVED THIS TEXT MESSAGE TODAY DATED 11 OF MARCH 2015...
"PPLIC NOTICE: TO MR/MS (DELETED) GOOD DAY! THIS IS MR ANTHONY FROM PHILIPINE PRUDENTIAL!FOR THANKS GIVING PROGRAM. you are entitled of exclusive rewards and priviledges.
1. Scholarship voucher good for 2 years
2. discount coupon for zele wellness
3rafflr entry for a chance to win a brand new honda car/trip to asia, ALL FOR FREE
all you need to do is claim and validate it. we're located: 4th bdo equitable tower, paseo de roxas ayala, makati. etc....

buti nalng nagsearch ako, and found out to your blog about the modus operandi of these scammers

thanks...

Anonymous said...

meron sa abreeza mall.

Anonymous said...

Salamat po sa inyong lahat just today April 10, 2015 @5:28pmagent from ppli called me para pumunta sa kanilang office to claim my prices and rewards from their raffle draw and they told me to bring valid ids and ATM card that named to me...the name of the ppli agent that I will be looking for is adellyn ogahayon and her cell number is 09437067669...tnx for the info...

Anonymous said...

Yesterday pumunta ako sa office nila kc nabunot daw ung name ko sa raffle draw sa sm. 52 daw kame then he discuss about the prizes like car and travel coupons 6 ung coupons na nakuha ko kc meron ako dala na bdo and bpi na atm then sabinila verify daw kung active pa.. so active naman thats why 6 raffle coupons ko. Next Discuss about scholarship... lastly about na sa insurance wla naman daw babayaran basta mag open ng new account either sa bdo or bpi pinaka mababa daw 10500k isang taon after 3 year kupalang dapat eh withdraw 80 percent lang dapat para di ma di active ung account ko daw. oopen lang naman daw ng account eh...sakin lang din naman daw un. dami xiang sinabing benefits nagustuhsn ko naman.. hahah... di ko alam kung e tutuloy ko... please advice

Anonymous said...

Is this thread are still active? Nabiktima din ako 1week ago buti nalang nabasa ko blog nto. Nastress ako sa kanila grabe!

Anonymous said...

WTF!!! Hanggang nagun active p rin cla pero ndi q alm n scam ola cla nsa ROBINSON Galleria cla, tpos aun nag hulog aq ng raffle kuno at after a month nagtxt cla knina lng dat mkkareceive daw aq ng scholarship voucher at raffle entry pra sa car. Buti n lng nakita q to. E2 ung # 09153340411 , 914-0325. F*CK MGA SCAMMERS.

Anonymous said...

The Makati office told me that personal appearance of the client is required... the policy is that, cancellation letter is not enough... Fraudential

Anonymous said...

Oct. 15, 2015 same things happened from beginning to the end. I signed up and After reading all of these, I think I need a help. WTF!

Anonymous said...

Oct. 15, 2015 Same things happened. Went to General Santos City to claim a 2-year scholarship raffle prize and found muself signing up for an insurance. And then my brother found out what I did and got angry. Then I bumped into this article and after reading all of the comments Im like WTF! I think I need help. Seriously. 4k isnt that so much of so much but it's mine though, I earned it. Please help. I gave them 2 of my BPI savings account and Im afraid they might have access to my pin. There is not much inside my accounts but I have future transactions and Im afraid what might happen the my savings. Thank you so much. -popoi

Anonymous said...

Oct. 15, 2015 Same things happened. Went to General Santos City to claim a 2-year scholarship raffle prize and found muself signing up for an insurance. And then my brother found out what I did and got angry. Then I bumped into this article and after reading all of the comments Im like WTF! I think I need help. Seriously. 4k isnt that so much of so much but it's mine though, I earned it. Please help. I gave them 2 of my BPI savings account and Im afraid they might have access to my pin. There is not much inside my accounts but I have future transactions and Im afraid what might happen the my savings. Thank you so much. -popoi

Mrs Sharon Sim said...

Hello Everybody,
My name is Mrs Sharon Sim. I live in singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com)Thank you

Anonymous said...

Can I ask ur help. I just want to have good cancellation letter for me to refund my money. Thank u in advance and GOD bless po

Kent Anthony L. Calumba said...

Good day po! As I read your blog I was alarmed about it especially that I went thorugh the things you have mentioned (including the advices thingy). My worry is, magkano po ba ang deduction nila sa debit card? I cannot close it because it is for my payroll. I am from Bohol and I got it in Abreeza Davao. Matagal din bago ako makabalik siguro dun. Pwede ba silang matawagan kaagad to process it/ ipadala lang through LBC ang papers ko? 09081565783. (First time ko po maloko ng ganito and I am still a fresh entrant in the workforce. :()

Anonymous said...

Thanks for the info! I received a call yesterday from them informing me that i won in their promo buti na lang. Nanalo daw ako nung Honda Car nila. Ganyan na ganyan ung sinabi sakin. Dalhin ko daw yung debit card ko.

Anonymous said...

I also have had this experience. I was on my way home walking by in Gateway Cubao when an agent came to me and offered a free gift with a free raffle. So I agreed since he told me that I wouldn't be spending anything and it would only take a while. He asked for proof of my ATM and so on and so on until I got to the part of the 45 min talk. This agent (I think Pau was his name) talked about insurance and death and "kung may mangyayari sa'yo" talk. I think it took more than 1 hour for since I'm very patient. I was also looking throught their papers carefully. The look of my face was convincing since that was my natural facial expression and they probably thought I was dumb and it even got to the point of desperation when he told me that they were the BEST and other insurance were worse than them. I asked him what they had that others didn't and I think he only told me ONE thing. He also told me that this chance was only for one day (WTF?? Kill yourself please). And this is the icing: He told me that other clients were from other insurance companies and decided to switch to them. I asked him if ever there was one person who decided to leave them and he told me "HINDI" "WALA PANG NAGYAYARING GANON". BULL. So I waited until it was over and got my gym bag.

Anonymous said...

Register ba sila sa SEC (securities and exchange commission) bago and modus nila ngayon. Scholarship for two years na and a chance to win brand new car Honda city and trip to Asia for 2.

Anonymous said...

Register ba sila sa SEC (securities and exchange commission) bago and modus nila ngayon. Scholarship for two years na and a chance to win brand new car Honda city and trip to Asia for 2.

Joseph Rubia said...

This article is so paranoid, stupid, misleading or judgmental...I've been their client since 2012. I was "fallen into a bait" indeed when I was on SM City North Edsa that evening, but they are no scammers. SO far I never encountered any problem with my Policy with them. In fact I was able to get a loan from them twice already, with the lowest interest rate compared to other lending company. They are not lending company though but when you have Policy in good standing, you can surely file for a loan with no hassles and in just very little time. I am a seafarer by profession.

Dr Aliu Shadira said...

$$$ URGENT LOAN OFFER WITH LOW INTEREST RATE APPLY NOW $$$
Do you need Loan to pay off your debt and start a new life? You have come to the right place were you can get FUNDED at a very low interest rate. Interested people/company should please contact us via email for more details.

Full name:
Date of birth (yyyy-mm-dd):
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Anonymous said...

Thank God. I did research. I just receieved a message from them. Thanks for sharing your experience.

Dr Aliu Shadira said...

$$$ URGENT LOAN OFFER WITH LOW INTEREST RATE APPLY NOW $$$
Do you need Loan to pay off your debt and start a new life? You have come to the right place were you can get FUNDED at a very low interest rate. Interested people/company should please contact us via email for more details.

Full name:
Date of birth (yyyy-mm-dd):
Gender:
Marital status:
Amount Needed:
Duration:
Address:
City:
State/province:
Zip/postal code:
Country:
Phone number:
Monthly Income:
Occupation:

E-mail: shadiraaliuloancompany1@gmail.com

Anonymous said...

Me and my wife's hands are still cold as I am typing this comment..We were also a victim of this PPLIC modus operandi..there marketing strategy is very unethical and we can attest to that..if you're a person with weak pick'up about their strategies you would have given all informations they needed..we were at sm cebu and we were magnetized also by their modus, we did not sign up for any application however we have signed up a form which the agent have marked N/A after we say no to it..but were still unable to sleep after reading all this comment about PPLIC for we have swiped our atm debit cards in their machine.. we are just worried of our accounts. They might deduct some amount of money to it without us knowing..

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