Philippine Prudential Life Insurance Company Promo Scam

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This isn’t actually a brand new modus but one that has resurfaced recently in Robinson’s Place Ermita, Manila. An internet search of the company’s name turns up results from people in the Visayas and Mindanao who have been tricked back in 2009 and 2010.

“Beware of ladies in green long sleeves and guys in ties who ask you in SM Malls nationwide if you have credit cards. Your initial reaction would be yes as you want to get rid of them thinking that they will offer you some credit cards but think again before you try to brush them off because they will actually bug you more once you say yes! These people work for PPLIC or the Philippine Prudential Life Insurance Company, formerly Family First Insurance, then changed to Danvil Insurance and eventually PPLIC.

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Once they know that you have a credit card, ATM card, checkbook or any proof that you have some money that could take away from you, they will be persistent in inviting you over their office by enticing you with their freebies.

If you happen to have seen them in the past and decided to ignore them, please continue to do so. If in any case you’re curious as to what they could offer, I would suggest you to go past through them, stay away from these vultures and go on with your peaceful life. Trust me, your life is way better off them.

Freebies to Lure You Into Listening to their “45-minute” Company Presentation

Once the people in PPLIC or Philippine Prudential Life Insurance Company know that you have credit cards, ATM, checkbook or some hefty cash on hand, they would tell you that you qualify for a raffle stub for a chance to win $10,000, Honda Car and any of their freebies (e.g tumbler, pillow, umbrella, wall clock) which you can claim in their office and committing to a 45-minute presentation. Whether it be for our Filipino nature of being easily enticed with freebies or being too polite, you might have easily gave in to their invitation and walked into their spacious office which typically have a receiving area, a reception who would ask you who invited you over, a flat-screen television and once you enter their “presentation room” filled with table for 3 and presenters who must have just graduated from college, you know that you’ve just gotten yourself into trouble.

The truth is, these people would only sell you some endowment saving scheme and wouldn’t get rid of you until you’d say yes. It doesn’t matter how much time it would take but they definitely try all they can to get you. They are probably the most accommodating people that you will ever meet. They’d shake hands with you, offer you a drink (iced tea or water), and introduce you to a presenter who would talk with you one-on-one about your dreams, about the uncertainty of the future and the importance of saving.”


Submitted by: Gillian Camille

Categorised as: Scam


  1. Kill Them All says:

    This just happened to me on 10.31.12 and good thing I wasn’t fooled by them. It is true that they won’t get rid of you easily and when you say NO, they will somehow force you and convince you even if that 45min turn into 2hrs! 2 fucking hours! Good thing I had stayed strong and believed what I think is a scam. And I was right. This thing certaonly woudn’t had happen if my father wasn’t stupid enough tto believe them in the first place! He fell for it when he knew about the winning the honda car, freebies and so much more. Sigh.

    So guys, lesson learned.

    • Kimberly says:

      your right i just encountered them kanina sa megamall..being a polite filipino citizen pumayag akong magpa-interview or let say oriented for 1 hour and 30 mins. i realized that i’m so damn stupid to waste my time listening to that staff blahh..blahhh…blahh thing..good thing hindi nya ko napilit magbigay ng pera or even get my account number… natawa talaga ako sa nakita kong disappointment sa face nya…hahahaha

  2. doyg says:

    please do checkout other sites looks like they have been selling their products nationwide. may nakita akong facebook account fightpplic silipin mo

    • bistado says:

      i heard about it, this is a deceptive marketing of PPLIC.

      • Paula Abracosa says:

        NOOOO… It’s not deceptive.. Just this 02/25/2013, I have been scammed by this company. Shit to them!! I will really get my money bacKK!!!

        • Daphnie says:

          I think aq ang pinakalatest n nbiktima nila. I bought their plan last Sep. 13, 2013 for P39,338.00 including their ENDOWMENT PLAN (P30, 338) and LABB PLUS PLAN (for P9,000)from Edsa Starmall through my CC. I was so stupid to be fooled by those people. After I’ve read those negative feedbacks, I immidiately go back to their ofis together with my friends and my request for my Plans Cancellation. Kapag wala k kcng ksmang pumunta s ofis nila, pgtutulungan k nila para hnd mo macancell ang plan mo. Nblik n skn ung P30,338.00 q last October pro ung P9,000 hnd dw nila mbblik un kc as per PPLIC policy, hnd dw nrerefund un. hiningan ko sila ng documents non pra ireview ko qng totoo ang cnsb nila but they refused to show the document, as per Customer service its only for their company record which means confidential. So what I did, I emailed the INSURANCE COMMISSION regarding this matter.
          Kya ito, s November 7, 2013 mkkharap ko ang representative ng PPLIC s INSURANCE COMMISION, kung sinong gusto magreklamo, pgkkataon n ntin to. Qng willing po kaung sumama, txt nyo n lng aq s # q 0926-485-9111
          10am pong meeting s INsurance Commission – Office of the Public Assistance and Mediation Division, 1017 United NAtions Avenue Manila.
          magtulungan po tau para matapos ng pangloloko nila. tnx

          • Daphnie says:

            Hindi na natuloy ang meeting namin s Insurance Commission kc November 6, 2013 ng hapon, tinawagan aq ng isa sa mga representative ng PPLIC at sinabing approved na daw yong pagpapacancell q ng LABB PLUS PLAN. wait na lng dw ng 30-45 days for processing para maibalik s CC q ung pera. kya lng my bawas ng 250 for processing daw. Pumayag na din ako kc kaysa nmn hnd lahat maibalik sakin tska madami pa akong work at hindi aq pwdeng umabsent. NAbahag ang buntot nong ininvite sila ng Insu. Comm.
            Kya isa lang ibig sabihin nyan, my mali talaga s mga transaksyonis nila.


            1) Pumunta agad sa lugar kong san nyo naavail ang POLICY / LABB PLUS PLAN. WAG KALIMUTANG DALHIN ang mga DOCUMENTS na ibinigay nila sa inyo at CANCELLATION LETTER ( ilagay sa Letter ang mga sumusunod:
            (A)AMOUNT na kailangan nilang icancell or ibabalik sa inyo;
            (B)WAG KALIMUTANG HUMINGI ng copy ng STATEMENT OF ACCOUNT (SOA) stating that the transaction was already cancelled upon inception dahil just incase na hindi nila msuli ang pera nyo s acct nyo, my proof kayo;
            (C)sabihin s letter ang reason qng bakit gusto nyong icancell – pwdng sbhin nyong “HINDI KAYO SATISFIED SA BENEFITS & COVERAGE NG PLAN NILA”;
            (D)indicate the attached documents na isusuli nyo para my proof kayong nasa kanila n yong mga documents na narecved nyo frm them; at
            (E)WAG KALIMUTANG IPARECEIVE s kanila ang letter nyo at HUMINGI NGA COPY NG LETTER.

            *papayag silang icancell nyo ang POLICY but not the LABB PLUSS PLAN. – Just in case pong mangyari ito sa inyo, wag kayong pumayag!!! Dahil pwd rin po itong macancell din tulad ng POLICY. Sabihin sa kanilang magkta ng lang kayo sa INSURANCE COMMISSION regarding this matter.(agad pong tumawag o magemail sa INSURACE COMMISION at sabihin sa kanila ang nangyari)

            ito po ang contacts ng INSURANCE COMMISSION
            >523-8461 to 70

  3. c.b. says:

    This really is an eye-opener for everyone..I am an OFW po here in Saudi Arabia. I just came back here from vacation there in the Philippines and unfortunately was victimized by these agents of PPLIC. Ang kinuha ko pong plan is yung 7 years to pay na endowment plan. I paid the initial premium of 23k..waaaah I really can’t believe na pumayag ako sa ganun..this was last October 18. Now, I am planning to cancel my plan. Ipapadala ko yung mga documents ko including yung cancelation letter ko to my boyfriend. and he will be the one na maglalakad nun. Pupwede pa po kayang marefund ko yung pera ko? and one more thing, yung ATM po kasi na ginamit ko nung niswipe is not named to me. It’s in my mother’s name. so ang mode of payment na nilagay nila is STATEMENT. at binigyan nila ako ng payment detatils:Subcriber’s Account Number para yun daw po gamitin ko pag magbabayad ako thru BDO for my monthly premium. kapag ganun po ba ang case, posibleng magkaltas pa rin sila doon sa ginamit ko na ATM? i am so confused kasi yun ang ginagamit ko na account to remit to my family there in the Philippines. baka kapag nagdeposit ako doon eh masayang lang yung pera kasi nagkakaltas pala ang PPLIC na hindi ko nalalaman. please help po..thank you in advance para sa mga advices.

  4. Chris says:

    Thanks for sharing this information, if it’s true then I’m also a victim of this modus (stupid me), I paid 3K for the life insurance which is an OPTION that they said for not paying the 23K yet. Every little word said above is true, they are very accomodating and looks professional (looks can really be deceiving). I’m just wondering, if this is a known modus why does SM management allow them to roam and lure people. I’m from Fairview Q.C. by the way and I see a lot of these people spread all over SM Fairview mall. I think it will be helpful to post this site in your facebook accounts just to prevent your friends from commiting a mistake. These people may be filthy rich in this world because of other people’s money but they will never escaped the flame of hell that will burn them eternally.

    • Kimberly says:

      Actually gumagamit p nga sila ng mga artista for that scam 1 actor na prenesent nila sakin is RAFAEL ROSSEL and also JOPAY PAGUIA of sex bomb dancer…grabeh talaga kanina nga binabara ko na ung nag-iinterview sakin… so sad for u…the only thing na magagawa ko for you is to spread the word na scam lang talaga ung PPLIC na yan…para naman makaiwas ung iba..

      • angelbert says:

        pwd ba mkuha ung pera na binayad namin ng gf ko?we are also a victim of PPLIC :(

        • Davao says:

          Ano ang scam doon? ung strategy nila to sell insurance policy? I heard kasi totoo talaga ung company nila and undisputed when it comes to money matters. Baka deceiving lang ung strategy but in fact, totoo tlaga ung mkukuha mo in the future. Lahat naman kc ng papasukan mo dito sa mundo, may mga nkaakibat na risks. Those people who are brave enough to take risks are those who will most probably succeed.

          • Maria says:


          • Joy Tamayo says:

            may case na against them, nakahold license nila

          • Daphnie says:

            bakit hnd nila pinakitang member sila non or bakit hnd nila maipagmalaking isa sila s member ng kalokohang insurance n binbenta nila?
            kc, alam nilang hnd totoo ang mga pinagssbi nila s mga taong bibiktimahin nila. at kung totoo ang mga snsb nila, bkit my mga complains n ganito?
            cge, paliwanag mo nga DAVAO??? o bka isa k s mga ngbebenta ng insurance n yan??!!

        • MADAPAKA says:

          nabiktima din ako nito.i already paid 60K.tskk! how can i take my money back? please help!

          • Joy Tamayo says:

            Maria stop defending PPLIC, we are all victims of scam ng PPLIC! Hold na license nila ng Insurance Commsion. SCAM ang PPLIC! May case na against them! Ano ka nila pala?

    • michael santorce says:

      oh my G!!it is true?yan din ang ngyari sa akin till now ngpapadla ako ng pera then tawag cla sa akin ulit!please pali advisan naman ako please please lang almot 28 thousand na ang nakukuha nla sa akin?di naba yun mababawi?/that was happend in front of POEA mall i forgot that mall!

      • genlicen says:

        that was robinson’s galleria. badtrip.. muntik na ako dun. pinipilit nila ako. sasabhn nila siguro deactivated na yung cc mo. then from 22k na pagpilit nagign 320. gosh.

      • felexboxter says:

        nag txt ito sakin, sabe nanaolo daw ako, may libring insurance na daw ako until 60 years old and my school voucher from datamex and my coupon daw na ibibigay sakin to chance to win 25k raffle draw.. i’m not sure kung pupunta ako sa office nila, hinarang din ako ng agent nila the they asked me if i had a atm or credit card i said yes i have then nag fill up ako ng then hinulog sa box yong finil upon ko…. tapos nag txt sakin last 3days ago na nanalo daw ako. eh last 3weeks ago pa ako sumali sa promo nila.. then tumaway sakin na may reward and priveleges daw ako na mama avil.. i have 2nd thought if i would go to their office?

        • apple says:

          i got the same call from someone from this company telling me i won a consolation prize na datamex scholarship certificate. I dont know if i’ll go to their office or not. i want to know sana if this is legit. did you go and claim it?

        • Penelope says:

          Nakareceived ako ng text message sa kanila ngayon lang, meron daw akong unclaimed FREE Gift Certificate Voucher. At this is Final notification na daw..I wonder how can i received a final notification na ngayon pa lang ako nakakareceived ng text sa kanila.

    • Zentie says:

      Sheeeeeet lang! I paid 3k din. Ang tanga ko talaga. But a silver lining is i inly paid 3k compared dun sa iba. Sana 3k lang talaga nakarga sa CC ko. :(

      • Chacha says:

        grabe nayari na ako nung una dun sm pampanga, tapos after 2 weeks may tumawag nanalo daw ako scholarship dahil 50th anniversary nila, nung pinuntahan ko robinsons angeles, sayang lang dhl nung nag search ako sa internet halos d mahanap locations ng skol nila, kung meron man daw kelangan u pa rin magbayad ng miscellaneous fees tapos d naman quality education. at least disappointed cla dahil d na ako naisahan, gusto na naman i swipe cc ko, panibagong kalokohan…..!

  5. Mon says:

    hayyy nabiktima din ako neto sa SM Fairview…3k lang naman yung naibigay ko thru ATM.. pwde ko pa po kayang mabawi un? di ko msyado maalala ung mga sinabi nung nagiinterview. worried din ako di kaya kaltasan nila ko monthly? :( baka lang…kahit di naman ako nagavail nung savings,insurance whatever nila..

    • felexboxter says:

      talaga hinarang ka din pareihas tayo ako nanalo daw, scam pala ito kasi dami complain, i think di na me tutuloy baka madenggoyan pa ako nitong mga ito… thanks god dahil nabasa ko ang blog na ito. nanalo daw ako, may libre daw akong insurance until 60 yrs old and scholarship vocher from datamex and coupon para sumali sa raffle draw to win 25k…

  6. Albert says:

    Dear Lord. Ngayon ko pa lang nabasa ang blog na ito. But anyways, good thing hindi ako nagpauto. i’m too smart for them. Lol. I went to SM CEBU to run errands for my mom and to shop some stuff when I bumped into this guy giving me a flier. I thought if ull recieve the flier as a sign of being polite and they’ll get rid of you but I WAS WRONG! I experienced all the process said in this blog. Lahat lahat from atm cards, to recieving area, to flat screen tv, to iced tea, to the resentor until the harassment process. Geeez. I was skeptic from first sight and I was right!

  7. Albert says:


  8. Lili says:

    THIS IS SO TRUE!! good thing I said NO!! ..and they would really force you..BEWARE guys. ..they told me that they will present something for 45 mins…and since I kept on saying NO bcoz I’m already took them 2 hours to convince me…..good thing my friends are outside complaining to them since they would not release me…>< so disappointing

    • mamai says:

      I was also do the same process knina lng. I wasted my time listening then I just said no all the time. When I came to their office they ask for a recent transaction receipt from my ATM. But when I showed them I covered the infos that written on the receipt coz they told me they just want to see the date of the transaction. They keep on asking how much money I got on my atm. When I notice they keep on forcing me to get that endullment keme thing. I said no and if they got nothing to discuss I’d better go. Thank god I said no.

  9. Ana says:

    Please help. Ayaw nila irefund ung initial deposit ko na 6k.

  10. TAngerine nila! says:

    @ana: ano daw reason bat di nila irerefund? pumunta ka sa branch talaga nila? pwde na man daw erefund dahil nandoon un sa policy nila ata.

    I’m currently contacting the agent which introduced me the plan. kanina pa ko 3pm tumatawag sa kanya .11:54pm na sa cp ko. di sumasagot hanggang ngayon. nag text na ako sa lahat nang detalye. sa CDO ung branch na nagfile ako pero dito pa ako sa butuan hanggang new year . la akong makitang contact number or fax machine sa kanilang branch. gusto ko sanang magsend ng cancellation letter ko. paano to guys?

  11. Vincent says:

    Nabiktima nila ako sa SM City Cebu nila ako na-corner..buti nalang annual premium lang yung nabayaran ko with my ATM worth 320 pesos lang…yung mga kasabayan ko talagang OFW ang laki laki ng binayaran…naobserve ko kasi maliit lang na halaga yung binayaran ko, wala akong palakpak na nareceive. Hahaha how pathetic of me.

  12. Ella says:

    Grabe.. sana nabasa ko to before ako nag ‘Yes’. Hanggang ngayon wala pa yung refund ko… almost 2 months na since nagpacancel ako ng plan..

    • ikeuchi says:

      pwd p kaya mabawi ung pera… paano mag p cancel ..n victim din aq 3k knina lng now q lng n basa ung gnito..shit

      • charles says:

        may tumatawag nga sken khapon buti ngimbestiga muna ako..lumapit sil sken say SM fairview..dapat murahin ung mga scammer n yan eh ..

      • lala says:

        ako din nabiktima.. may gagawin kaya sila dun sa mga info na binigay ko? natatakot ako.. marerefund pa ba to?

      • archer says:

        OMG! Till now hindi nga rin ako makatulog dahil nagpakatanga ko sa 3k just to get rid of the agent! late ko na nabasa ang mga comments about sa mga letseng agents na yan at ang misleading nilang paraan. nagpurchase aq ng May 5, 2013. Naglakas loob akong bumalik kanina June 10, 2013 dahil ayoko ng ginagago ako at dahil ginarantiya sa akin ng manager, manager pa man din ang kausap ko noon, tapos sasabihin nila ngayon na hindi pwedeng icancel at nonrefundable raw. nobody told me na may 15 days grace period para icancel. at pinagtataguan na ko nung manager. I bought it in ROBINSONS GALLERIA BRANCH! Hindi ko sila titigilan hanggat di nila irefund yung amount.

    • archer says:

      HI Ms. Ella, if I may ask, when kayo nagpurchase ng plan tapos kelan po kayo nagpacancel. Kasi nakapagpurchase din May5 then pinapacancel ko today june10 pero hindi ako hinarap ng manager. Kesyo sabi ng CSR nila ay wala raw dun sa Robinsons Galleria Branch at hindi raw pwedeng icancel yun. It’s just a small amount of 3k dahil ang gusto talaga ipapurchase sakin is yung worth 26k+ sabi ko hindi ko kaya so nilagay nya ko sa 3k yun pala mali naman yung info na binigay sakin.

    • Lanie ramirez says:

      Hai miss ellah panu po gnwa mu n ngpacancel me and my husband also victim og pplc and we paid 50k

      • ting says:

        ms lanie, nakapagrefund po ba kau ng binayad nyo? i am one of their victim too. i lost my 9k ng ganon ganon lang pang tuition ko pa nman sana un.

  13. ghraze razon says:

    juz got a txt msg from one of their agents saying i won an insurance plan and a 2yr course college educational plan, pinapaclaim nila sakin within this week, buti nlng chineck ko muna kung totoo nga un, thank GOD i found this blog.. at least alam ko na, salamat po :)

    • joyce says:

      ako din kanina lang tinawagan ako. kala ko totoo kaso naisip ko wala naman ako sinalihan para manalo. nanalo daw ako educational plan, sa Mega Mall daw kukunin yung certificate, ittxt niya nalang daw yung exact eddress tas biglang nagtanung kung may ATM ako para daw makasali na ko sa raffle sa feruary, appliances daw mapapanalunan ko, sayang naman daw, sabi ko wala ako kahit anong ATM. Kaya siguro hindi na nagtxt sakin, kahit anung pilit niya sakin wala syang makukuhang pera sakin. tsk!

    • charles says:

      parehas po tau .. mamaya pgtumawag mumurahin ko na .. haha

      • jonathan says:

        dismayado tlg aq sa pakulo ng kompanya na yan nakakainis tinixt tinawgan aq na nanalo daw aq ng raffle educational plan pero ang inoofer nila ay exclusively free for everyone nman tlga un vouncher na binibigay ng school at nila is no difference meaning rerewardan ka nila ng libre mo nmn makukuha kht na d ka mgclaim ng rewards grabe scammer sa datanmex yun ingat ingat kau nag evolve na budol budol gang now

  14. Jeca says:

    Ako ata ang latest victim!just yesterday,naengganyo nila ko sa Starmall Shaw.Bibili lang naman talaga ko sana ng Fruitas dun.Same experience din.Sabi 45mins.lang,taena umab0t kami ng 3hrs!Bad trip kc sabi,ipapakilala lang naman yung company nila,at ichichismis ko lang daw yun sa iba.Para libreng ads lang daw.Sabi pa,alang babayaran.Tas sa huli,pinipilit ka na nilang kumuha ng plan on the SPOT!Buti nalang,at di ko dala ang savings account ko.hehe…di din nila ko napilit iswipe ang cc ko.Pero ask nila ko kung magkano nalang daw yung cash ko 500 lang.The manager offered me 340 pesos as may initial nalang daw.Sabi ko kc i’ll be back nalang tomo.kc,yung 25k na plan ung napili ko.di ko kc alam na on that day din ako pakukuhain.But honestly,i’m interested at first.Syempre,isaksak ba naman nila sa kukote mo na IPON daw yun.At dumodoble pa!tsk…tsk…UtoUto talaga ko.Now that i’ve read all of these comments,i’ll never ever go back to that PPIC office Again!parang ko na ring binili ung tumbler at wall clock na w0rth 340pesos!Sabi nga pala si Henry Sy daw may 2billion daw na fund sa kanila kc bff daw sila ng CEO nila na si Mercado.Pati si nin0ng Manny Pacman mer0n din.Ok naman sna,parang nahold-up ka nga lang talaga.hahaha :) Di na natuto!

    • jacob says:

      Nag offer ba sila ng LABB promo for only P12k naka insured kdaw ng P1.4million? Or endowment lang ang offer?

    • nicA ona says:

      haaayzt.. aq din nbiktima nung mga yan! ngpunta lng aq s SM north pra paayos ung tablet q taz sbi skin nung service center ng cherry mobile eh blik aq aftr 2hrs.. nghanap aq ng mkakainan nun taz napadaan aq s knla! s ktangahan q nagpauto nmn aq s knila at naiswipe ung atm 370 ang nkuha nla skin.. kaya ngaun winidraw q lhat ng laman ng atm q bka kasi mwala lhat ng laman eh.. pano kaya un? sbi ksi nla good for 1yr ung inavail q na benefits bka ksi mamya every year kaltasan nla ung atm q.. kainis ang tanga tanga q tlga!! dapat may mgreport nyan sa media eh!! kaya pla prang nadismaya ung kausp q nung cnbi qng hnd q pede galawin ung pera ng mom q!! sna makarma ung mga un!!

      • sarah says:

        Hi! Ung sis q rin nag worth p350 na insurance, then after a week or so, tnwagan cya n nanalo nga dw ng scholarship., then pinuntahan nmin ung claim, binigay nmn nila ng wlang pinababayaran samin and ung atm, tiningnan lang kung bdo ba, dhil prtner dw nila ang bdo, meron bngay n coupon samin para s raffle. Nung kinonfirm namim s datamex ung scholarship., tunay naman daw
        . .. anu kaya meaning nun?

    • Mary Jane Jamias says:

      Ms. Jeca, ask ko lang pg swinipe na ba un atm mu automatic na makukuha nila ung pera mu? kc it happened to me 5hrs ago lang..di ako ako makatulog ngyon kc pera un ng asawa ko sa savings account ko..

  15. jamii says:

    i went to iloilo to file for prc. After prc, nag unwind muna kami ng mga kasama ko sa SM Iloilo at sa entrance palang, sinalubong na kami ng mga babae na naka blue long sleeves. Raffle daw. Asking if may checkbook, atm or credit card. Tapos pinapunta sa office na may flat screen and ask you to commit sa 45 min presentation. I still have 3 hours before ang trip namin sa barko back to Negros so sabi namin, why not. Akala ko, walang pilitan. Hindi pa kami naka pag lunch noon. They were very accomodating. Ako naman, nahiya naman akong maging bastos. Pero almost two hours na kami, at parang isang daan beses ko na inulit na ayokong kumuha ng kanilang plans because i dont want to make hasty decisions. Beware, these guys, they dont take no for an answer. Yung mga kasama ko, nagagalit na sa labas. Pinasabi sa isa sa mga babaeng naka long sleeve na pwede, palabasin na ako kasi hindi pa kami kumakain at may trip pa kami sa barko. Hindi nakarating sa akin ang message ng mga kaibigan ko. Nagagalit na ako, kinausap ako ng supervisor to convince me further na kumuha ng plan. Sinabi pa ng supervisor sa akin na nakausap daw nya ang aking mga kasama at ok na ok lang daw silang mag antay sa akin..Imagine! In the end, nag walk out na po ako kasi no other way out na. Hindi ka talaga nila papalabasin hanggang hindi ka umuo. Good thing is hindi nila ako nauto..So beware..

    • sassy says:

      mga bweset na yan, random na tumatawag sa phone, may tumawag na caller dito taga prudential, nakuha siguro nila name at number sa phone di nga nila alam kung sino sa papa at kapatid ko kakausapin nila kasi same sila ng name, jr ang isa. Scholarship to Singapor offer ng mga ito at humihingi ng processing fee..i hope di magpapauto mga kasama ko sa bahay since madali lng madinggoy mga to.nakaka stress talaga!!!!

  16. bea says:

    same here guys, sakin naman sumabay lang ako sa kaibigan ko to claim her price (free 2 yr scholarship)sa datamex…then as I listened to them, talagang naengganyo ako because im really planning to save some…so i said “YES” sabi ko, wala naman mawawala, what is 500 a month kung i am insured din naman…but after i saw and read this blog site, napanganga tuloy ako with all the kabog ng dibdib coz i allowed them to swipe my ATM/debit card..OMG! dun pa naman pinapadala ng asawa ko remittance nya kaya i immediately went to BDO office to request for cancellation of my ATM, sabi ko nalang naiwala ko ang ATM ko…its a lesson then, for me, its gud thing nalang din at small amount lang naibayad ko at pwede ko na icancel ung plan after i read this blog…LESSON LEARNED….

    • jen says:

      pano po magpa cancel??6k po kasi ung nakuha nilA sakin thru my cc, kahapon lang nagnyari sakin..please, help me. :’( thank you sa mag rereply..

      • arlynsolitabrionesbriones says:

        pls tga san kb,ngayon ko lng nadiscovered itong site,now ko lng nabigyan tym iopen site ng pplic,baka pwede tyo magtulong,last mon lng ako nabiktima.pls txt me 09266549595

        • arleen says:

          ako din biktima ako,year 2010 pa..gusto ko din makuha yung pera ko..galit sa akin ang mister ko.ano kyang aksyon ang magagawa natin?ngayon ko lang nabuksan ito..pls help us

        • arline canonigo says:

          Hello po aqoh ata ung pinakalatest n nbiktima ng modus n un.
          Nagbigay aqoh ng 4,500 pesos kinakabahan aqoh nung araw n nagbigay aqoh taz naicp qong mag search ng site kung totoo bng insurance ung cnsabe nla at kung may nkapagloan nba skanla after 3yrs or 5yrs den nkita ko 2ng blog nawindang aqoh.
          Gusto irefund ung pera panu.
          Bkit ndi tau magtulungan mga nbiktima ipaimbistigador nten cla madami n clang nloko at lolokin pa. Hihintayin pba nten un.
          Nloko nung july 9 2013.

          • ting says:

            gusto ko din po mabawi ung money ko. papano po ba un?

          • fatima says:

            ako na yata ang pinaka latest na biktima last Sept 12, 2013 nakuhanan ako ng 4500 sa cc ko Labb Plus. Gusto ko sya i refund pero pano. Scam lang pala tong mga toh kakainis.Please help na anu gagawin ko para ma refund yung pera ko.

      • archer says:

        hi! I don’t know kung narefund mo pa yung sa iyo. I tried today na irefund dahil recently ko lang nabasa yung mga posts tungkol sa bwisit na PPLIC ns yan. 3k ang naswipe sa cc ko. pero mukhang pinagtataguan ako ng manager. nakaprepare na yung cancellation letter ko na kinopy ko from the other website na nakapagrefund pero pinababalik ako at kailangan pa raw ako makipagconference sa manager na kausap ko kaharap ang ibang manager. Pwes di ko sila aatrasan. By the way, sa Robinsons Galleria ako nabiktima. Hope you can reply and help too..

        • arline canonigo says:

          Labb plus b ung inoffer sau until nga my kba pdin aqoh kung anu gagawin ko kc ndi madaling kitain ung pera taz s isang iglat nlang mwawala.
          Sana nman my mkipagcooperate n isumbong ang ganitong modus.

  17. BBgurl16 says:


    Ganyan din nangyari sa akin… halos 2weeks pa lang ako sa Pinas for a vacation. Then nag malling kami ng mga cousins ko. Ganyang ganyan eksena rin ung nangyare. Since, ayoko naman kc mambastos dahil maganda naman ung approach.. dhil 45 minutes lang naman, so go na ako! ung 45 mins. umabot ng more than 2 hrs. Nakakainis na nga at super gusto ko na mag walkout kc imbes na naubos ung oras namin sa pamamasyal.. naubos ung oras ko.. kakapakinig sa walang kwentang pinagsasabi nung babae. Wrong marketing scheme ang ginagawa nila… Sapilitan.. buti na lang kahit na piso wala akong nilabas. Hindi naman ako ganun katanga. Super pinipilit pa ako nung agent. Kung Credit card un, baka na pa Oo pko… sa dami na ng insurance ko..hindi ko na kakagatin yan no! i just tried it kc sabi may raffle baka nga naman matyambahan eh.. lol…

    Haaay.. sa panahon ngaun.. hirap talaga rin pag masyado kang mabait… kailangan minsan paandarin din pag ka bastos..

  18. catz says:

    muntik n rin ko maniwala s bluff nila. I just received a call from Joy Garcia. telling me n meron ko pde i-claim s ofis nila near sm bacoor. im also working as a financial advisor of a no. 1 life insurance company. I observed n maxado mabilis mgsalita un agent n parang binubudul-budol kna. kc oo n lng pde mo maging sagot or waiting for other privelges na pde ko makuha. like may free accident insurance n pde ko i-renew every yr, raffle entries and 2 educ plans n pde ko daw pgamit sa iba. sabi pa n wla daw ko babayaran or ilalabas n pera and nakuha nila an contact no. ko when i applied for a cc (credit card). my mga banks daw cla n affiliated s knila at dun nila nkukuha un mga contact information. in the end, pumayag ko mgpunta s ofis nila but when they advised me about the requirements, aside having 2 valid id’s, they are also asking for my cc. then i suddenly realized, n pde nila gamitin an cc ko without asking my cash. i even asked s huli kun magkano un coverage ko s accident insurance, d alam nun kausap ko (kulang cguro s practice) that’s why she put me on hold. and it was only 30,000 coverage. not bad, pero mababa compared s amin n ms malaki. gud thing i researched them first and i found out they are only scammers. manigas sila kakahintay s akin ngaun. Guys, don’t get disappointed getting life insurance coz its a good investment than putting all your money in a bank that offers 0.375% p.a for savings and 2.75% or less for time deposits and it is still subject to 20% withholding tax and does not even match the country’s inflation.

    So guys, think about it. Kun my plano ka, usap tayo.

    • Jay ann says:

      Tinawagan din ako ng taga bacoor lex ranario ang pangalan at bakla syang nag iinarte pang magpaliwanag! Akala mo ang galing magpaliwanag super english at pa slang pa na akala mo eh sa call centereh halata namang walang pinag aralan! Mag hanap buhay kayo ng maayos lalo ka ng bakla ka hindi yung nanloloko kayo ng tao para magka pera. Makakarma rin kayo lalo kanang bakla ka! Bwisit! Mga magnanakaw!

  19. lyresh solaba says:

    ako na ata ang latest victim nitong Pplic,. naka sign ako ng plan nila last january 15,2013, tumawag sila na may freebies daw ako di na caclaim sa kanila referal daw ako ng BPI,. sad to say naniwala ako,. ang latest is may accident insurance daw ako tas 2 year schilarship sa DATAMEx, tas 50,000 peso raffle draw ticket,. chichikahin ka nila ng todo,. at lagi isisingit na dapat ka mag ipon,. sumatutal napa oo nga ako,. yung todo effrot na laman ng atm ko e napunta sa plan nila,. kse sabi nya tutubo daw yun at naengganyo ako xempre tutubo di ba,. i plan naman to cancel it pero sabi nga ng agent di naman nya ako pinilt,. kaya pina downgrade ko na lng. para kahit panu may malaman ang atm ko, wealth builder plan ang policy ko,. sabi nya next year pede ko naman daw makuha yung pera ko kung ayaw ko ng ituloy ang plan ko,. hoping na true ito,. share ko lng expereince ko,. hirap talaga yung maging tanga. late na ng search ako sa internet about sa kanila,.

  20. sassy says:

    mga bweset na yan, random na tumatawag sa phone, may tumawag na caller dito taga prudential, nakuha siguro nila name at number sa phone di nga nila alam kung sino sa papa at kapatid ko kakausapin nila kasi same sila ng name, jr ang isa. Scholarship to Singapor offer ng mga ito at humihingi ng processing fee..i hope di magpapauto mga kasama ko sa bahay since madali lng madinggoy mga to.nakaka stress talaga!!!!

  21. cha says:

    nakakainis kc im also a victim of this PPLIC in SM North this January. Its like a magic na habang prinoproseso ng utak ko yung sinabi ng isang agent eto na agad si agent 2 talking about future plan, then inaabsorb palang ng utak ko eto na si aagent no.3 talking about the benefits that my 3k will be 300,000 in 1 year.. So again on process sa brain and suddenly here’s another devil i mean agent talking about benefits of life insurance of this 3k. At the back of my brain in 3k may ipon ka na may life insurance ka pa in 1 year but unfortunately its misunderstanding. Bago matulog napag isip-isip ko. Its only life insurance and its so expensive. Ang galing ng style nila… manloko.

    CHA: PPLIC parent ka ba?
    PPLIC: Bakit?
    CHA: MAgulang ka kasi!!!

  22. lyda castro says:

    hayzzz..buti nlng hnd akoh agd naniwala n nanalo akoh..i doubt n baka scam lng..kya ngtry akong mgsearch about i saw ur post..tnxt nla akoh last january 24 that my raffle stub dat i have filled up in sm fairview has won 3 exclusives rewards and privileges..hahha..knila n ung rewards koh..

  23. Cecile says:

    I am from cavite and I am suppose to receive a reward…something like Free Insurance Poliy and Educational Benefit daw.. I will not pay anything nor they will offer me something to buy.. All i need to bring is my compnay ID, government Id or an ATM or Credit Card. I told them i dont have credit card and they insisted that i will bring the ATM card…Why i asked why do i need to bring my ATM card in claiming the reward they will give u a very long explanation and will convinced you. Really they talked well and explained and have very good convincing power. I said NO many times but they insisted too much that i am having a 2nd thought of going to their office. BTW their office is in front of SM Bacoor in case there are people who will be lured to their convincing power…pls think it over. Its good i did some research first before i go there and marami na rin kasi akong narinig na ito ay scam…Im just wondering how they were able to get my number….they were saying kasi i was referred by a friend….Just be careful in dealing with people who tired to enticed us with rewards and freebies…maaaring legal ginagawa nila bcos its their marketing strategy ….but kagaya ng sinabi ng marami choose a company that is more respectable. In my own observation respectable companies doesnt offer such kind of marketing strategies.

    • Grace lyn says:

      Yang mga bwisit na yan! Tinawagan din ako ng mga yan from bacoor branch sya lex daw pangalan nya. Ang hindi nya alam yung pamangkin ko nag work ng 2 days sa pesteng prudential na yan. Ang mga pangalan na galing daw sa referral program ay galing lang pala sa directory, mga raffle stubs bastat may pangalan at cp number bingo! Recepient kana agad sa kanilang anniversary kuno. Paalala lang mag ingat sa pag fill out ng raffle entries sa sm tuwing may sale sila dahil kinukuha din nila yung mga pangalan dun. Kahit poste na may pangalan at cp number tinatawagan nila. Recepient ka daw nila yun pala nakuha lang pangalan mo kung saan. At yung insurance na binibigay nila accident insurance worth 25,000 at yung scholarship na datamex ay fliers lang pala na yung mga numbers sa likod ay hindi talaga number ng datamex at yung mga raffle entries ay ginugupit lang daw at tinatatakan ng messenger nila at pag marami ng laman yung tambiolo aya papabawasan na at ipapatapon sa basurahan. Kawawa naman ang mga biktima.

  24. jb says:

    I’m also been a victim by this PPLIC yesterday(january 26,2013) at SM southmall… Could you please give me some advise on how to immediately terminate my policy? Your reply would be highly appreciated. Thank you so much!

    • roselle says:

      pls txt me 09268957918 sa southmall dn ako nabiktima bka pwede taung mgtulungan nung feb.14,2013 ako nagsign up sa knila hndi na nga ako makatulog dahil dun huhu

      • genlicen says:

        if nagsign-up ka naman siguro tas hindi ka nagbayad. wala naman siguro mangyayari. ako din kasi nagsignup pero hindi nagbayad. pero kung nagfill-up ka tas nilagay mo yung cc number mo. check mo nalng

        • MARz says:

          hello…nangyari din smin yan nung 06/09/13..just yesterday..nag swipe kmi ng bf ko ng atm nmin..then ayun interview more than 1 hour…nag fill up kmi ng mga personal huli di kmi nag yes..kc duda na rin aq..para kcng scam nga…sigh..

          • MARz says:

            happen AT SM MEGAMALL

          • rona says:

            haiztttttt..biktima din nila ako jan..last 2012 may aayusin lang ako ako non tapus may humarang sakin n taga prudential sabi nila swerte daw me kc buntis daw me that time kaya ayon napapayag akong magpa interview asual nagbayad ako 3k for the plan.pag uwi ko isip n isip ako kung bakit napapayag ako sinearch ko p nga sa net yan eh tapoz andami ko nabasa n blog at bad comments kaya kinabukasan talaga bumalik ako don para ipakansel un plan.ang tagal kung naghintay sa mag iinterview sakin for cancellation tapoz ayon d ko mapigilang mainis kc pinipilit talaga nila ako n wag ko daw ikansel ang sabi ko naman ayoko na…hanggang sa ayon pinasulat ako ng letter for cancellation tapoz nakita ko itsura niya na kulang nalang sampalin ako dahil sa kinansel ko ung plan.actually second time n nangyri sakin un,nong una kc friend ko ung kasama ko, eh cguro nakaramdam siya n modus un kaya sabi niya sakin wag daw.tapoz ito ngang panglawa ung ate ko naman kasama ko probinsiyana kc kaya ayon nainganyo ako..nakakatawa lang kc same dress ung suot ko at buntis ako tapoz same people din ung lumapit sakin n di man lang ako natandaan n nagkausap kami dati.tanga ko din kc naniwala ako but next time sorry nalang sila hindi n ko papaloko sa kanila.kanila nga may nagtxt sakin about free educational voucher releasing n daw puntahan ko daw sa office nila nd ko nga replayan kc kung ibibigay nila un dapat sila tumwag at ipadala nila un diba!

          • Mary Jane Jamias says:

            hi Marz, ngswipe kau to check balance? pero after nun wl nmn nabawasan sa atm nu? worried lang kc ako dhil remittance nga aswa ko nmn ung swnipe ko 5hrs ago lang sa starmall..pls reply di ako mkatulog kakaisip

  25. ser says:

    nakakainis na scam rin aku sa sm cebu…pero wala ng laman ang ATm ku nun..pero nag swipe aku…makakaltasan ba ang sweldo ku..plz rpz??im worried..uhuhuh

  26. Nagpunta kami last night ng friend ko sa megamall to watch a movie. matagal na rin kaming di nagkita kaya sabi ko at last makikita ko na siya. On her way, unfortunately, naharang siya ng mga agents, dalawa sila. Di nakahindi yung friend ko kasi same company daw yung pinanaggalingan nila nung agents. Hay,di na ako makahindi so nakasama ako. Sinabi ko na nakajoin na ako nun, Danvil sila dati, di ko lang tinuloy kasi nabigla talaga ako at nakapag isip right after na. Ang di maganda kasi non di ko nagawang irefund. So ayun, magmamakaawa sayo ung nagyaya na makinig ka lang daw ng presentation kasi may kota sila, naawa naman ako, tapos they will assure u sabihin mo di ka kukuha ng insurance ah, sabay kindat. Pero sinabi ko na, I’m also working partime sa ganitong business so may alam na ako(ibang iba sa culture nila, education lang kami and it’s up to the person kung kukuha or hindi). Grabe, ang sinabi nilang 45 minutes inabot ng 3 hours!. Pinatiuna ko na sabi ko sige makikinig lang ako, pero di ako kukuha ah, kasi nga agent na ako tapos kukuha pa ako sa kanila. Pero grabe, namahiya pa yung andun, pinagtulungan nila akong tatlo tapos ung isa nanlilisik pa yung mata. Ayun, at last, nakakawala ako!. Sana naman hindi ganon ang pag approch nila sa tao, stressful!. Kung okay ang company nila, sana naman hindi sila ganon magtreat sa tao.

  27. titan21 says:

    ako nga nanalo daw ung raffle stub ko na filled upan ko sa sm fairview ng 3 exclusves rewards ang privileges,,di ak pumunta kc sa marilao bulacan pa ko pinapapunta malayo para sakin kc taga mandaluyong ako my pinuntahan lang ako nun sa fairview tapos my nag alok sakin wala daw babayaran kya inentertain ko para makuha ko daw ung frebies kelangan ip[akita ko ung resibo ng last withdrawal ko di ko [pinakita kya stub nalang pinahulog sakin sa dropbox at un nanalo daw,,naghinala ko baka scam yata to kc bakit kilangan pa nila hanapin ang mga atm ko at i.d ng company,pwede naman valid i.d nalang para ma claim ang prizes,,.

  28. Mean says:

    It happened to me SM megamall. I said no naman in the end, so they wont let me out of the office kaya nagalit na ako. I am just worried kasi tiningnan nila yung credit card ko, but hindi naman nila na swipe or something, they checked lang if naka name sakin. Worried lang ako. Did anyone here shows their credit card to them tas naubos pera sa account? Sana may magreply

  29. jera says:

    huhu ako navictim kahapon sa my GATEWAY sa CUBAO, naiswipe nila un credit card ko, nkuha nila is 3,340.00 :( sayang un pera ko. Now tumawag ako sa banko at pinacancel ko ko ang credit card ko for my security. Huhu bakit my mga ganyan tao :(

  30. Xeddie says:

    they swipe my card on their on swiping machine ewan ano tawag don.. kinakatakot ko baka ma-clone yong card ko… huhuhuhu…

  31. Mon says:


    This also happened to me last Sunday at SM Southmall Las Pinas – they have an office on the lower ground floor there besides Casa Medica. I have an appointment in Casa Medica and i got there pretty early so i have some time to kill.

    I am interested with Insurances but the ones that are only secure and safe. Actually, I prefer studying the plan first.

    So here’s what happened. The same – you show your cards, they give raffle tickets, and then you get to talk to the agent. Everything was running smoothly because they have a good plan actually. But its pretty pricey since the whole initial deposit is 96,000. They want me to start with that. So i said no, and the price keeps getting down. I kept saying no – mainly because no matter how high or low it is, i still want to study it and research about the company.

    I think the moment i said i want to research the company first, that’s when they said that its either i go out of there, and lose the opportunity or get the lowest one and upgrade later. They say it’s a one time opportunity only and if you don’t take it – they won’t allow you to get it on your next visit. So I said – OK, then NO.

    The moment i said NO – they keep pushing me and offered me a lower plan – something in 12K and that i no longer have to pay monthly deposits for a year as an exemption.

    I still said NO – and said that I’m only going to take it even the highest one if I see from my research that your company is trusted.

    So the Agent put me on hold, and called up whom she claims her “MANAGER”. Take note, their faces looks pretty angry and desperate now.

    The Manager have the same lines – MY GOD!! They are really forcing me – so I snapped – and said PLEASE, I WANT TO GO – I’M NO LONGER INTERESTED. After repeating this statement, they let me out.

    By the way, they even mentioned CHAVIT SISON also refused them the first time and came back with 1M Cash on Hand (proof of how desperate he wants a membership) and they refused him this time because of their policy. I am not sure if it is true – but regardless, they are also using some of well known people.

    I think someone should do something about these people and the trickery that they have been doing. Esp. since they are located in SM Malls where people think everything they are buying are true.

    SM Management – please look into this.

  32. andrew says:

    Same situation..dun din ako nadali sa Gateway Cubao….. please like my fb page named Philippine Prudential Scammer……

  33. Kristine says:

    Scam po ba talaga to? Nangyari sakin to kanina and I paid 3K. Halos umabot ng 3hrs yung 45 mins na sinabi nila. Antagal nila bago ako napilit kasi ayaw ko talaga. Pero in the end, napabayad pa rin ako :( ( So pag uwi ko ngayon sinearch ko sila kaagad kung totoo. Nasa site naman po sila ng Insurance Commission. Hindi ko na po alam paniniwalaan ko.

  34. jepoy says:

    Whew!! buti nalang di ako nauto neto kanina. Bandang Araneta Mall sila sa may babaan ng LRT2 station. Tsk, sabi ko na nga ba at tama ang kutob ko. Lahat ng sinabi sa taas puro tumpak, and akala ko pa nmn matino ang intensyon ng mga yon. Grabe kung mamilit ng tao. Yong 45 mins ko inabot ng 2 hours tapos ang dame ng kumausap sa akin para lang ako maconvince. Sabi pa nong isa di daw bagay sa akin ung 6K+ na inoofer nila kasi malaki nmn daw ung sweldo ko. Me mga pinakita pa silang mga application ng ibang tao ung mga kumuha na. Kawawa nmn sila madame pa nmn. Dun ako natauhan sa sinabi ng nagiinterview sa akin, sabi ko kasi i would rather go with stock market kesa dun sa option nila tapos tama ba namang sabihing sya din daw nagsstocks dati kaso daw di nia type, initial nia daw dun is 10k tapos kumikita daw un ng 8k/week…..watta!!!! ibig sabihin ayaw nya pa ng ganun? at 8K per week.. wow ah, anong company kaya ung nabilhan nia ng stocks, ang laki nmn ng tinaas ng pera nia. Nakakaloko, ibig sabihin mas malaki kita nia dun kesa sa 8k/week na kita nia sa stocks. Tsk.. beware guys, dame na manloloko ngaun

  35. lyresh solaba says:

    talaga bang wala ng magagawa para matigil na yang panloloko nila?

  36. Just Helper says:

    Guys, if na-victim kayo, right away ipacancel nyo transaction esp for credit cards, since pwede pa ito ma post void, wag nyo na patagalin, pag tumagal,(more than 1 day) need na mgsubmit ng letter of dispute sa credit card company,

    ang problema pag deit card ang ginamit, this will be deducted right away,

    PS For those ilang months na at di pa narerefund ang bayad nila, ireport nyo sa imbestigador, imagine minimum nila is Php 3000, sa isang araw mka 5 sila per brach all over the phils, malaki na ito,and asfar as i know, meron din deuction na umaaot ng 16-20k,

  37. Cherry-Ann Baccay says:

    Hi! can somebody help me on how can get my policy cancelled and reverse my payment back to my credit card account. I paid 6,000.00 and bumalik ako sa branch na pinagkuhanan ko ng policy they told me na hindi na daw macacancel ung policy at hindi na marerefund. possible ba na macancel out ko pa yung policy? help pls..

  38. roselle says:

    pls kung sinuman po nabiktima ngaung buwan ng february 2013 icontact nyo po ako at magtulungan taung iretrieve pera natin skin nman kac gud as cash nman sakin kac atm un huhu eto po number ko 09268957918

  39. Just Helper says:

    you should be persistent, kulitin mo, if past transaction ito call your credit card company for a letter of dispute

  40. lyresh solaba says:

    totoo ba yung voucher sholarship nila sa datamex

    • Gally says:

      Same incident ka din ba na involve ang Datamex? Kasi last time nagawi ako from SM North it happens na may na alok samin na sumali sa raffle nila 4months ago and then 1time may tumawag sa office namin (Jan. 06, 2014) na hinahanap ako at nanalo daw ako sakanila from Prudencial life with the voucher for scholarship and other blah blah thing. Napa isip ako and tinanong sila kung aware ba sila na graduate na ko 2years ago so di ko na kelangan ng scholarship and then biglang natahimik yung kausap ko sa phone at sinabing “hindi” at sinabing pwede ko naman daw ito ibigay kung kanino ko gusto ipangalan yung Voucher. So I ask kung paano. Basta pumunta daw ako ng gantong araw sa office nila BDO Equitable Bank Bulding Paseo de Roxas Makati City with my any 2valid id’s and card. I insist na wala na kong card at pina close ko na ito pero sabi nya hindi daw pwede na wala kasi din nila ittransfer yung napanalunan ko. Then nagbigay sya ng ibang options kuno na kahit sa family ko na may card para lang daw ma-claim ko yung price. Talagang pinagpipilitan nya na kailangan ng card for claiming.

  41. Adrian says:

    I juz happen to me last nyt at sm north luckily they didn’t convince me to join but what I worried is that they see my credit card… I filled up what they call the CONFIDENCIAL FILE and start the 45 min conversation with their agent that took us about 3 he’ll hour juz to convince me but still I refused and told them that I need to do some research and convince my self that I really want it and they still keep pushing it… Still I stand in what I believe.. I give the not complete work name, the not complete work address the not legal home address and the wrong birthdate … Pero worried ako kZ they sighted my credit card sa reception nila is their anyone here that happen the same situation?? And does it give u problem with your credit card???

    Pls help

  42. MADman says:

    amppp .. naisahan ako nito nung feb. 27. grabe .. 45 mins lang daw , inabot ako ng dlawang oras. at ang masama pa nun , php3,320 ung nadali nila sa akin thru CC , pina-cut q agad ung atm ko after nun .. realizing na katangahan nga ung ginawa q. MHYka AGUINALDO ung name ng agent na nag-interview sken , pinakausap pa nila ako sa manager nila , gusto ko silang balikan pra makabawi pero di ko alam kung paano. galit talaga ako sa mga manloloko. diyos nlng bahala sa knila.

  43. corrine says:

    thank God i read all these stuff i am about to visits there office since they called me up last monday telling that i have a scholarship grant from them so i have to meet them in their office in my own convenient time to get my reward but before that at the back of my mind it is a scam so i better look for their website to know and here i found all of these salamat ng marami…

  44. Karen says:

    I was bullied for 2 hours until I signed up with them last Feb 26, 2013 in the SM Cebu branch. Paid 6000php for their Labb Plus policy. Let’s unite and get our refund back!!!

  45. klayd says:

    ako na ata ang pinaka na scam d2.. they swipe my debit card and get P16842.. d ko alam kung pano ko yun mababawi,help me please.. email me at

    • Shayne says:

      I was fooled too using my debit card last jan.25 in robinson’s galleria..they took 27k for a 7year endowment ko lang nabasa ang blog na to and i feel helpless on how to get my money back..anyone know how to get a refund?

      • c.b. says:

        just write a letter of cancellation, mention your policy number, and other important details..submit mo dun sa branch na can also email, just wait for their reply…
        just be firm to them, let them know that you’ve already decided to cancel the insurance….
        follow up your cancellation every now and then, by personally visiting their office or via email…

  46. Meme says:

    I hate them ! I was just fooled yesterday sa gateway! stupid ako. bakit ako nagpa-uto. nag say no na nga ako. mapilit pa din sila. i got annoyed kayo ayun ! pinayaran ko yung 5520 na insurance. pwede ba yun mabawi? >..<

  47. anne known says:

    this happens to me last jan 15 sa cubao, just pass by the mall then one of their rep approached me, kulang nalang magkapalit kami ng mukha sa lapit namin. so i have no choice but to listen to him and he took me to their office and let me listen for 4.5hrs!!!!!! and i was tricked they use my credit card and i’ve paid 29k!!! they told me that i can pay it in installment but i have to call my bank to have it in installment; so i called and guess what?????? my bank said that it depends on the merchant…! so i went back to cubao to cancel my policy but they didnt allow me instead they downgrade it to 6k++… SUPER SHIT RIGHT???

    • charles says:

      aww!!scam sa mukha.. ang sarap sapakin nung mga un ..!! dpat turuan n ng lection ung mga scammer n yn eh..

  48. cristina says:

    me din my tumawag sakin kahapon from pdential life insurance i’m lucky sa lahat sa iyo xe hindi ako pumunta…pagkatapos nila tumawag nag pray ako kng 22o ba to lord then gumawa c lord ng way pra di ako makapunta.thank u lord then i search this morning sa net.scam nga.

    • cristina says:

      ang savi skin nanalo daw ako ng life insurance and educational plan..pwide kuna daw ma claim kahapon pumunta daw ako sa tapat ng sm bacoor at hanapin c JOY GARCIA magdala daw 2 valid id and atm na my nakalagay na visa….dont worry guys c god hindi natutulog sa mga taong manloloko.hope merun isa dito magkapagsumbong sa embitigador.

      • marilyn says:

        Last monday may tumawag din sken .. iclaim ko daw ung scholarship program for 2yrs transferrable dw . Mgdala lng dw ng 2valid id , wala dw dpat byaran .. sa ortigas dw ang main office . may claiming code pa na binigay . Hanapin dw si rey sembrano . Ngtaka lng ako bkit scholarship eh wala nman yun sa mga reward nila . Diba honda car at bkakasyon grande lng nman . Kya ngtaka na ko . Naun ang sched ng pgpunta ko sa knila pero nag surf muna ako sa net at nabasa ko nga ang about dito .. hndi ka tlga pababayan ni God .. hndi na ako tutuloy ngayon sa scam …

        • rea says:

          buti nlng nbasa ko ang blog n to..nkaskedyul ko kc puntahan ung scholarship n yan sa thurs..yaan nyo at pag tumawag uli mumurahin ko nlng para makaganti tau..hihihi..hay bait tlga ni Lord nd npunta ko sa blogs n to at nbsa ko to..

      • Kelvin says:

        nka receive din ung mama ko ng call. Paulit ulit silang natawag. Ang sabi nila, may nag refer lang daw sknya, ng tinanong ni mama ung name ng nag refer, sbi nung babae, tatanong daw niya sa mngr nya. 1 month bago sila tumawag ulit at pinapapunta si mama sa 3rd Flr. The New City Hub bldg. Tirona Hi-way Bacoor Cavite. I did my research at nakita ko sa website nila na may ganung address nga sa branch nila sa Bacoor. However, un phone number is not yet in service. Pano sila nkgawa ng website? Can we do something about this? pde b tayo mag complain or ipapulis tong mga toH?

  49. Shayne says:

    I was fooled too using my debit card last jan.25 in robinson’s galleria..they took 27k for a 7year endowment ko lang nabasa ang blog na to and i feel helpless on how to get my money back..anyone know how to get a refund?

    • c.b. says:

      just write a letter of cancellation, mention your policy number, and other important details..submit mo dun sa branch na can also email, just wait for their reply…
      just be firm to them, let them know that you’ve already decided to cancel the insurance….
      follow up your cancellation every now and then, by personally visiting their office or via email…

    • c.b. says:

      i feel for you… kasi same branch din ako nabiktima, and i cancelled already my insurance, i got my money back but not full amount…

  50. lala says:

    Those who were scammed already and swipe their credit card, go back and cancel it.. call your credit card bank as soon as possible and write a letter of dispute.. or for cancellation.. its a little hassle but at least You can retrive your money.. na victim din kami years ago.. hindi yan sila bago.. they will push you to enroll talaga.. now, lesson learned but do get ur money back.. cancel the plan.. Good Luck

  51. mark says:

    good morning..question lang po..kasi kanina muntik na din ako madali nito..same din sa iba.kasi nga magaling sila magsalita sa simula and ayoko din nman magsuplado or something..kaya pumayag n din ako s one on one interview…medyo nagmamadali din ako kaya binilisan ko n din ung interview..and nakita nila yung card ko and tumawag pa sila s credit card company ko to confirm how much pa yung pwede ko gamitin pero hindi nman ako pumayag na magacquire nga ng insurance nila but nung huli kasi may pinasagutan skin na application form and nakuha na din nila yung card number ko..concern ko lang kahit kaya hindi ako pumayag eh gagawin p din kaya nila na ma-avail ako ng insurance nila?tumawag ako knina sa credit card company ko knina and tinanong ko kung may transaction ba na nagawa, ang sabi nila wala nman daw..hindi ko nman maipacancel yung account ko kasi kailangan ko sa monday…tnong ko na din sa mga gumamit po s inyo ng credit card sinubukan nyo b tumawag sa credit card company nyo agad kung may nabawas ba agad or wala?if nagavail kayo nabawas b agad..worried kasi ako baka sa next billing ko eh nakalagay n dun..salamat po

  52. mark says:

    good morning..question lang po..kasi kanina muntik na din ako madali nito..same din sa iba.kasi nga magaling sila magsalita sa simula and ayoko din nman magsuplado or something..kaya pumayag n din ako s one on one interview…medyo nagmamadali din ako kaya binilisan ko n din ung interview..and nakita nila yung card ko and tumawag pa sila s credit card company ko to confirm how much pa yung pwede ko gamitin pero hindi nman ako pumayag na magacquire nga ng insurance nila but nung huli kasi may pinasagutan skin na application form and nakuha na din nila yung card number ko..concern ko lang kahit kaya hindi ako pumayag eh gagawin p din kaya nila na ma-avail ako ng insurance nila?tumawag ako knina sa credit card company ko knina and tinanong ko kung may transaction ba na nagawa, ang sabi nila wala nman daw..hindi ko nman maipacancel yung account ko kasi kailangan ko sa monday…tnong ko na din sa mga gumamit po s inyo ng credit card sinubukan nyo b tumawag sa credit card company nyo agad kung may nabawas ba agad or wala?if nagavail kayo nabawas b agad..worried kasi ako baka sa next billing ko eh nakalagay n dun..salamat po

    and tanong na din para po dun sa mga kumuha ng benefits ano po ang binigay nila n documents s inyo..?sa akin po kasi wala nman po i think sana hindi nman nila ako kinuha dahil hindi ko alam kung paano ko babayaran un…maraming salamat po

  53. gwen says:

    OMG… gaNyan din ngyare sa amen kgabe sa robinsons galleria.. ang tagal namen andun and they dont want us na makaales kesyo ppirmahan pa daw un papel namen.. naglit na ang kasama ko kaya pinaales na din kme kasi di nila kame maconvince, naisip na namen na scam toh kaya ngaun nag search kame about sa PPLIc at di kme nagkamali scam nga kaya lahat ng pera sa atm winidraw na namen para di na nila mabawasan kasi ginamit nila u at pinangswipe!

  54. booday says:

    bullshit lahat ng branches ng pplic!!! scam yang mga yan, promo lang daw at walang ibebenta o iaalok pupunta ng office for45 mins company presentation tapos bebentahan k! ulol kayo!!! mga empleyado nio gnagawa niong tanga may sahod ba?! allowNce na nga lang babawasan nio pa ng 15% tpos d nio pa binibgay sa tamang oras!!! ung mga gnagawa nio sa mga biktima nio mapupunta din sa inyo yan karma nio nlang!!! mga putangina niyong lahat!!!

  55. booday says:

    scammmmmmm yan!!!! sabi ko sa inyo!!!! scam talaga yan ung mga raffle ticket nto di naman na raraffle yan… nanalo ng kotse at trip to macau?!! hahaha walang ganyan hindi totoo yan!!!

  56. durianshake says:

    hi everyone! yes may office sila sa robinsons galleria (palagay ko hindi sila aware na may ganung modus dun) tsk tsk, and kahapon nga ayon eto nangyare sken— pagpasok ko pa lang ng mall me nag-approach na nagtatanong if may credit card ba ko… iniwasan ko na e, pero hinabol pa ko.. sabi ba nman kase red ung bag ko kya napili ako at meron akong freebies…bla bla bla at pde ako manalo ng car bla bla bla.. wala raw xa inentertain ko (umaasa dba na me totoong ganito) hindi ko na natandaan ung lastname basta me ID xa Katherine ang name(bka hindi rin tunay na pangalan)so un nga tapos need to attend 45-min bla bla presentation so nagduda nako.. gusto ko sana mag wifi at masearch na agad ang PHILIPPINE PRUDENTIAL na yan eh di nman makaconnect ang cp basta inisip ko na lang pag may inalok sila matigas na HINDI ang sagot ko…mega present na ung lalake(di ko na inalam ang name) feeling nya engrossed ako sa pinapaliwanang nya eh di ko maintindihan pinagsasabi nya kase bulol bulol xa..hanggang sa nakikita ko na bored na xa mag-explain..kumuha pa ng back-up explain ulit..
    so ayon hindi naman ako na-scam kasi wala naman silang nahita saken pero nasayang nila ang oras ko… ;) nasayang ko rin naman ang oras nila.

    Shinare ko sa fb ung link na to, sa mga makakabasa share nyo na rin po sa mga social sites para maging aware yong iba at para di na sila makapambiktima.

    Good vibes everyone!!!

  57. michael santorce says:

    WHATTTTT???it is true?KASI NGAYUN KATATAwag lang sa akin nahingi na cla ulit kasi ng bigay ako nung dec.4 3 motnh tapos ngyun march kailangan ko na ulit mghulog! para sa 3 month ulit!paki advice naman sa akin kung scam tlaga e2 kasi sabi ko sa april 1st week ako mg bibigay pra sa next 3 month!huhu !almost 28,000 pesos na ang naibibgay ko!

  58. C says:

    Somebody just called me up din here in Cavite. Lex Ranario was the name and told me I had been rewarded a scholarship and accidental insurance and that I had to claim it sa office nila in front of Sm Bacoor. They asked me if I had a credit card and I told them no and just my atm and asked me how much was in it and I told them I would not divulge any confidential information because it is my private financial information. I just told them I will pass because I was wary because I am very aware of the scams we have right now sa atm and then I searched for Lex Ranario and found this blog. Thank God I followed my instincts on this one. I felt that it was a scam talaga and he did not push naman.

  59. Chelsea says:

    Hello Guys…sad to say naconvinced din nila yung mister ko…he told me na parang nasa 10K yata yung binigay not sure sa exact amount..last year pa to bandang april 2012..kakapaconvert nya lang ng $ nun at napadaan xa sa Robinson’s Manila.May inuwi pa nga xang wall clock d2 sa bahay from them.kala ko kinalimutan na nya yang prudential na yan at isipin na lang na nawalan xa ng 10K pero last week lang napag usapan kz nmin about nabanggit nya na huhulugan nya pa yun para daw after 5yrs maiwidraw nya ulet..
    Kya ako napunta sa site na to kz ngreresearch ako ng proof para tigilan na nya.Next month pa naman nand2 na naman xa sa Pinas..

  60. c.b. says:

    guys, just wanna share yung experience ko sa pplic. Last october, nahikayat din ako ng mga agents nila sa robinsons galleria ortigas; or better term for that is nabiktima. pareho ko din kayo na nakinig ng halos 2 hours or more sa presentation nila at di ka nila talaga papayagan na umalis hangga’t di ka napapa-oo…ending nyan eh, napapayag ako ng labag sa aking loob..kasama na boyfriend ko na nabiktima din nila.
    November, bumalik ako ng Saudi. at nadecide ko na ipacancel na yung insurance kasi hindi ako kampante dahil sa mga nabasa ko about sa scam nila. gumawa ako ng cancellation letter, and at the same time authorization letter para yung boyfriend ko na ang magfollow up sa office nila. i sent the letter thru my workmate who was going for vacation sa pinas. dahil sa wala pa ako nareceive na any answer from pplic. nagsend din ako ng cancellation letter sa email nila ( after a few days, i received an answer on email, asking my contact number. tinawagan ako ng customer representative nila asking my reasons kung bakit ko icancel insurance ko. i simply told her na i’m not anymore interested with the benefits and that hindi ko na kaya bayaran yung monthly payment dahil madami din ako ibang bills na binabayaran. ininform nya ako na my cancellation will be first subjected for approval by higher authorities. they called me after 1-2 weeks again (jan.3, 2013), informing me that my cancellation with refund is already approved and that the refund may be received within 30-45 days..By end of January, i followed it up thru email again. They answered that the refund/chargeback will be endorsed to my card issuer within 3-5 banking days. this means that the refund will be charged back directly sa atm na ginamit ko upon applying for the insurance, regardless of whom the card is named. i used the atm na nakapangalan mother ko kasi.
    After the long process, just today, my parents informed me that the refund has been charged back to the atm card. i received back only 17, 532php. my initial premium was 21,357php. almost 4k ang binawas, but still thankful ako kasi at least nakuha ko yung pinaghirapan ko.
    ang nakakagulo lang ng isip ko ngayon is baka pwede sila magkaltas sa atm kapag magumpisa na yung monthly ko supposed to be on May. posible pa kaya yun kahit nacancel na?

  61. galit says:

    Same as with me… I was also a victim dis month lg powh… 40 thou talaga yong binawas ng manager… Grabeee… 3 days na akong d maka2lof of wat happened… Gosh… Plz help me powh..

  62. Lex says:

    Totoo lahat ng mga comments dito. Muntikan na nga akong nabiktima kahapon sa Starmall Mandaluyong. Chance of winning Honda daw, tapos trip to Macau (formerly $10,000). Sobrang na-please ako nung lalaki so pinagbigyan ko naman. Tapos sa reception, then company presentation. After presentation ang offer nila sa aking ung 36,000 plan. Sabi ko pag-iisipan ko muna, pero grabe talaga mamilit ung nakausap ko. From 36,000, naging 16,000, tapos naging 3,000 o kung magkano lang daw yung kaya kung bayaran. Buti na lang nag-isip talaga ako. Nung wala talaga silang makuha sa akin 312 na lang daw. Dun na talaga ako nagdudada. Sayang ung ng present sa akin magaling pa naman siya sana sa legal at patas na company siya magtrabaho.

  63. lhotrman says:

    Kayo po mga bago, pero ako po 2months na lang natitirang payments. Nag punta ako kanina sa prudential sa Market dito sa sta. rosa city. para bayaran na ang remainings 2 payments ko. Alam nyo ba kung ano ang isinagot nila agad sa akin keso naterminate na daw ung protector ko na binayaran ko for 10yrs. tatlong reasons binibigay nila sa akin. ako na lang pipili sa tatlo kung alin ang tamang reason nila na sa tingin nila eh tatanggapin ko.ung una kapag nagamit ko na raw kahit once lang na nagclaim ako. eh hindi ko nga ginamit para makuha ko pa rin ung inihuhulog ko sa sampung taon. pangalawang reason eh kung hindi ako nakakabayad sa kanila. eh lagi namang on time, ang bayad kase ako. nag iissue ako ng tseke for 1yr kaya yearly napunta ako sa kanila para mag issue lagi ng post dated checks. ang pangatlong reason nila, dito nila ako tinira kaya daw naterminate ang insurance protector ko. keso kami daw mga protector holder eh hindi namin nameet ung requirements para daw maipagpatuloy pa nila ang protector plan na ito kung baga kulang kaming mga nabigyan nila ng ganitong insurance plan. tinawag pa nilang protector. kung kailan dalawang hulog na lang eh bigla nilang tinerminate ng walang sabi sabi. pag mauubos na ang post dated check ko sa kanila napakaaga pa tinatawagan na nila ako. keso gaya ng sabi nyo may raffle at may gifts ako kaya kung di ako makakapunta eh ikakansel na lang nila. pero of course pagpunta mo dun issue ka muna ng post dated checks. itong protector kong ito supplementary lang ito ng pension plan ko nung family first pa lang sila hanggang naging danvil at ngayon prudential naman. pero nakuha ko naman ung pension plan ko at ang natira na nga lamang eh itong protector kuno na ito. 777 pesos binabayaran ko dito for 10yrs almost hundred thousand din ito. ang tanong kanino kaya tayo pedeng magreklamo sa sec ba o sa insurance comission. bakit hinahayaan ng gobyerno natin ang mga ganitong klase ng mga insurance mga manloloko,grabe talaga sa inis ko po lahat na yata ng masasama masasabi mo prudential na ito.

    • Gilbert says:

      Hi lhotrman,

      I am in the same situation as you. Na-contact ko na sila about this and ganyan din ang mga rason na binigay sakin. Sa ngayon, I am demanding them to return what I paid for. Yung communication ko is via e-mail lang kasi wala ako sa Pilipinas sa ngayon … swerte nila.

      How about you, ano na ang update sa claim mo? Let’s share info/updates so we can fight for our right. You may text me via 09285919577.


    • Gilbert says:

      Hello lhotrman,

      Hope to hear from you soon. Plano ko mag-file ng formal complaint on this but I think mas magiging mabuti kung kasama kita on this since exactly the same ang kaso natin. You may get in touch with me through text via 09285919577.


    • anonymous says:

      parehas tayo, 2 protector yung akin na binabayaran. Sumulat na rin ako sa insurance commision pero wala pa ring sagot from them.

      • Elsie says:

        same case here, been paying my Rider for more than 7years already. Tumawag na ako sa IC and they mentioned na 80+ na daw nagrereklamo sa kanila and nagmeeting nung May 24. I was trying to call them for updates kya lang pangit lagi and line. Nagemail ako di nman sumagot.

        • Maricel Cabahug says:

          Pareho po tayo. July 3 p ung complaint letter ko sa Insurance Commission pero di sila sumasagot. Mulhang mglalaho n lng n prang bula ung naihulog natin jan sa Pruudential n yan

  64. galit says:

    Crossing my fingers to get my money back after 30 to 45 working days… Ive already cancel my plan… And counting the remaining days that theyll goin to send back n my atm acct…f not… Ull seeeee…

  65. jay says:

    good day this is Angel from phil. prudential life insurance company rewards office. our complete address is 22nd flr raffles corporate center emerald avenue ortigas center, pasig city. your claiming code is PEPo6o1. kindly present it upon claiming together with your 2valid DD’s any of visa or master cards for verification of your names and sign.and look for ms. mary vick, rewards manager. kindly advice us if your going to get your rewards and previleges for the prep. of your voucher… thanks you

    ngayon may 2mawag sa at nag txt sakin.

  66. GRRRRRRR says:

    AS IN GRRRR!!!!!
    Just had an encounter with those vultures yesterday at Robinson’s Galleria!!
    Aba eh nagsabe na 45 minutes lang ang presentation, kung hindi pa ko nilapitan ng kasama ko hindi ko malalaman na nakaka 2 hours na ko sa presentation nila..
    Willing na sana ako makinig, kaso paulit ulit yung sinasabe at talaga namang hindi ka paaalisin hanggat di mo tinatanggap offer nila..hays.. so disappointing and stressful! that effin 2 hours for just blah blah buti na lang nag-research ako tungkol sa kanila and I found this site and confirmed my doubts about them. Geez!!!

  67. ann says:

    my tumawag saken kanina lang, sabe nanalo daw aqo ng educational plan.. eto ung no. ng tumawag saken 09153942820.. nagdadalawang isip naqo if totoo nga base sa mga nabasa qo dito pero nung jan 6 napilitan aqong magbayad ng 3k for 1yr life insurance.. no gagawen qo???

    • janeth says:

      hi ann!.. pareho tau…sabe na2lo din daw aqoe educational plan..pinapapunta ako sa nueva ecija sa cabanatuan dun ko daw i-claim….
      buti nabasa ko to…nde pa nmn ako nakapagbitiw ng pera…buti nlng!….

  68. ann says:

    pinapupunta aqo sa cabanatuan city, ung pinkamain branch daw nila sa friday tas eto daw hanapin qo si sir jespy pacheco.. if my concerns daw aqo eto tatawagin qo (044) 940- 7134…

    • janeth says:

      wag ka na pumunta pareho tau incident kakatawag lang sken kanina…
      same adress na pu2ntahan at same ng cp no.
      buti nlng nabasa ko tong blog nato….

  69. lhotrman says:

    Ikalat natin ito sa mga kamag-anak at mga kaibigan natin. para wala na silang maloko pa. sa hirap ng buhay kaya ngayon. Ung mga maliliit pa ang kalimitang nabibiktima nila.

  70. Jeremy says:


    Just been to SM CITY CEBU, experience ko is di PPLIC ang nag-scam sa akin. COCOLIFE ang name ng company, sound big at may integrity. Pero, here how it runs.

    May lumapit sa akin to join a raffle draw to a trip in HK, in exhange may 45min daw na presentation ng Cocolife. So i give in, fill up ng raffle draw at pumunta sa ofis, (top floor ata yun) ng Cocolife. Pag-interview, walang powerpoint presentation kundi nasa blank paper lang. I was given a choice,at first nagpass ako, pero pinilit na bumili ako ng cheaper plan, so i give in. in the back of my mind, parang SCAM na to. Any reviews or same experience from me? Please do reply.

  71. Anthony Paul says:

    buti nabasa ko to! may tumatawag din kasi sa akin. nanalo daw ako ng insurance nung nagpunta ako sa carshow. wew. ano namang kinalaman ng life insurance sa carshow. eh puro kotse naandun. dapat car insurance

  72. hted says:

    Same incidence here. Para sa mga taga CAVITE, may tumawag sa amin na CHARLES ONG from Philippine Prudential, may scholarship daw na marereceive ang nanay ko good for 2, pero certificate lng daw ang matatanggap, no cash or check. Valid pa daw until 10 years, tapos pwd sa kahit saang university or colleges. Mag dala lang daw kami ng 2 valid id’s and 1 active card (atm, credit card). Alam din nila ang name ng mother ko, they are trying to convince us until last week of march. Call and text ang notification nila about sa rewards nga daw? GRABE parang totoo sila magsalita, pero nung sinabi nya na dalhan ko daw sya ng banana cue, dun na ako hindi naniwala, nagjoke pa. Tapos, nung binanggit ko yung metrobank card, tinanong nya kung master or visa yung nakalagay? OBVIOUS na!!! And nakakapagtaka, gusto nila may exact time kami pupunta dun, around 12-1 this afternoon. Pumunta nga daw kami sa 3rd Floor, The New City Hub, Tirona Highway, Bacoor, Cavite which is TRUE address ng isa sa telemarketing office ng PHILIPPINE PRUDENTIAL.

    After I read this blog, lalo akong di naniwala. Maganda parin tlga kung magsesearch ka muna for confirmation, at tsaka sabi ko sa mother ko, kung may letter pa sila pinadala which is signed from their company head, maniniwala pa ako. BUT DEFINITELY NOT! D na kami pupunta ng mother ko, maloko pa kami. Pano kaya nila nagagawa toh? Totoo talaga ang ADDRESS at panigurado employer sila nito, pero nanloloko sila. Ano yon SIDELINE? GRABE NAMAN! Filipino tayo e, dapat naman di tayo maglokohan, may paraan naman para sa lahat, pero hindi ito. Kelangan lang magsikap mga pre. Aba’y lalong di aasenso ang bansa natin nyan.. Nasa DISIPLINA lang yan. Nakakapanghina lang talaga, kasi mas lalo pa itong dumadami. Sana naman malessened kahit papano, hanggang sa maging 0, dba? Kaya naman yun? Tiwala lang! Wew.. XD GODBLESS Us and Thank You!

    • Jhayvee says:

      may 2mawg sa mama ko na nanalo nga daw ng educational plan, puntahan daw sa Robinson’s sa Angeles Pampanga. kung hindi man yun 2too, Pwede Pdin namin cilang puntahan tapos Sapakin lahat ng Emoleyado na mami-meet namin…

  73. Agnes Perez says:

    oh my god! ktatawag lng ng prudential life na yan sken, pnapapunta ako sa Bacoor mgdala ng dlawang valid ids at my mkukuha daw akong scholarship.. tnanong din kung my atm or credit card card ako and kung less than or more than ten thousand daw ang laman! shocks! buti nlng ngresearch muna ako at ngdalawang isip tlga ako kxe pnu ko mananalo ng khit ano wla nman ako sinasalihan..
    ang sama tlga nila!

    • Ako din tinawagan ng prudential life na2lo dw ako ng scholarship program s knila at 2 yrs free dw s college, binigyan ako ng code number pra sure dw n wlA akong bbyran…may oras ang pgclaim, Tinatanong kung may ATM, ID CARD, ETC. isa dw ako s maswerteng binigyn ng gift cert d2 s davao city…anniversary promo dw nila…pupunta n sna ako pro naalala q cnbi ng husbnd q, tumawag aq s knya at nghingi ng advise, tinwagan nya ang number ngunit iba n ang sumagot…ng research aq s net at nbasa q mga comments nn-u..kya hndi aq ntuloy, ng-alibi n lng ako n hindi mkkrating..LOVELY TORRES ang tumwg s akn 09055531272..Bware bka mbiktima kayo..tnx d2 s bistado.
      mula ky strong tcher

  74. Hulk22 says:


    Some Brian Pineda from PPLIC called me just now and he says I won from last month raffle na college scholarship at free life insurance. Who wouldn’t say no to that. So I accommodated the call and assure me that no money will be release from my side.

    I encountered them 2 weeks ago sa megamall. They made me fill-up something for the raffle and a free tumbler, but when they asked me if I could listen for a 45-min orientation to explain the promo mechanics I said no because I need to catch the movie then.

    At buti nalang di naman ako ganun katanga.. :D I looked on the internet and I found this site. At eto na nga nagtext na ng details at address, magrereply na ako na di ako makakapunta.

    Salamat sa mga nagcomment dito. Napatunayan ko tuloy na scam yun.

  75. lyresh solaba says:

    share ko lng ang experience ko sa pag chargeback ng pera ko,. ang intay ko babalik na pera sa atm ko 8k kse pina downgrade ko yung policy ko,. jan.15 ko pa inayus yun,. anu petsa na april 12 na,. sabi 45 days max,. e sobra na nga sa days,. tas pinasa pasa na ako, kesyo ala na daw ke prudentila ang pera at ne ke BDO na,. sabi naman napasa na daw sa BPI,. BPI po kse ang atm na ginamit pang swipe sa actn ko. e BDO naman daw ang banko nila,. tanggala mukhang nanloloko lang talaga sila, guys magtullungan tayo para matigil na panloloko nila,.

  76. lyresh solaba says:

    guys magkaisa tayo para ma imbestigador sila at matigil n panloloko nila,. ala na ata sila malabas na pera kaya di ko makuha charge back ko,. kawawa naman tayo,. lex henario din una tumawag sa akin,.sa bacoor ako nagpunta tas nambola sa akin dun si jerick mazo

  77. Caroline says:

    Hi everyone! I got a text yesterday and a call today from Philippine Prudential inviting me to claim a college plan, transferrable with no expiry. Before that,an agent named Soc obstructed my way in SM Pampanga last month and asked me for a few mins of my time, I accommodated him for the sake of politeness since I know how hard it is to be a sales agent.

    This is my observation, the company is registered so it is legitimate. However, their marketing/sales strategy is deceiving or that they are making some misrepresentations. If they have a promo with a raffle, it should be registered with DTI. I saw none of this in my stub copy. Also, they are making their motive too obvious by being so concerned about how much our ATM or credit card has.

    They are just luring people to attend to their sales presentation by saying one have won something he/she wanted – a car, a trip abroad, a college plan etc. Then be insistent on having people sign on their insurance policies.

    I am familiar w/ insurance policies as I attended some opportunity and training sessions facilitated by Sun Life of Canada Philippines Inc. personnel. They do not force people to attend to their presentations. They are honest & truthful about what you are being invited for. They are polite & respectful and will not force you to do something you don’t like.

    College plans, cars and trips abroad are possible are attainable if you are an insurance policy holder but that depends on the type of insurance plan you have availed.


    I’m wondering if SM and Robinsons mall management already knew about this and if they did, why are there still in their premises.

  78. galit says:

    Good eve…
    thanks god na balik na xa wakas ng buo ang pera ko worth 40 thou xa acct number ko… Less than 30 days nakuha ko din ang money ko…

    • xtin says:

      pano nyo po nakuha pls po pkisagot aq nloko po kc aq …im such a shit naiinis aq s srili q …salamat po ..kkpunta q lng sm mnla kahpon at nkuhanan aq ng almost 17 thou

  79. galit says:

    Thnx god… Basta d ka lg lumagpas xa 15 days buo ung makukuha money u…. At kaylangan tamang reason why u want to cancel your plan… B nice pa rin xa kanila upon cancellation pra d mahirapan xa pag balik ng money natin…. Tnx god nabawi ko nah…

  80. lyresh solaba says:

    ako din nakuha ko nayung charge back ko worth 8k,. pero the rest ay next year na haizt!!!! yun e kung andun p nga sila,. kundi ko pa sila pinagpipiktyuran at kinulit kulit e di p mbabalik pera ko,. natakotna ara sila kaya inabonohan na ang pera ko,. may natitira pa ako 27k sa kanila,. wish ko lng makuha ko l huhuhu

  81. Angel says:

    I received a call yesterday from a girl named Karina. She told me nanalo ako ng scholarship grant which is transferrable nga sa kapatid or other person. She asked me to visit their place at Robinson Balibago Angeles Pampanga. Then ensure na I’ll be there sa time na iset ko kasi ischedule pa nila yung magbibigay ng award. They told me to ensure lang to bring my ID’s and cards. Luckily I search first before pumunta.

    Last year we joined kasi dun sa raffle promo nila. And everything na sinabi ng ibang nagcomment dito same din sa nangyari sa amin. yung 45 minutes turned up almost 2 hours and we purchased then yung 1 year insurance and dental insurance. I noticed di nga sila papayag na aalis ka ng walang sales sila. THey’ve seen my card and luckily walang nangyare naman.

  82. ANGEL says:

    how to cancel my 6k, at anu ang mgndang reason na svhin sa kanila..pls hepl me kahapon lng kami nagapply for ds insurance makkuha pa ba namin ung bngay naming 6k ng husband ko?

  83. owlcen says:

    hahahaha, slamat at nkta kotong blog nato, buti ngresearch ako agad, tinawagan ako ngaun sabi nla i was chosen 1 of the 15 representatives n mkkavail ng 2 yr college educational plan and take note transferable ung plan and she also got my number and had a text LOVELY TORRES frm PPLIC.. mdjo nniwala ako pro thank goodness i got into this blog…

  84. owlcen says:

    after reading sum of the comments on this blog it really convince me na ang PPLIC mga SCAMMERS, dirty tactics nga tlga ung approach nla pra mkabenta lng ng insurance!!! DAMN!!! isumbong nyo ky TULFO to!!! or anyone from MEDIA..

  85. zeescaib says:

    Pleas read: from Prudential Philippines Agent with number +63 905 553 1271… He calle and my son picked the my phone. when my son gave me the fon, it fell and the call got dropped off. Here his text – “Bastos nyo naman to hangup on me”

    Tsk tsk tsk…. I wonder kung may kinabukasan ang agent na ito

    • Kei says:

      I happen to have the same experience. A woman called my number +639284855944 and told me that I won a free policy and that I can claim it. She asked for my name and told me to bring government IDs. Then she asked if I have bank accounts, credit cards, or debit cards. That’s when the red flag raised and I demanded to know how he got my number. She hang up her phone.

  86. pinky says:

    Good thing I saw this Blog and read halos lahat ng comments..the same thing happened to me and my bf kanina lang around 4pm sa Southmall Las Pinas, (I was thinking na scam yun) so I said politely, I like your offer but i’m not buying now, the guy with the name “James” said if you will not buy now you cannot buy later or tomorrow because the slot is limited. Then I said “magaling kang sales ha” hehe..then he responded hindi naman ako nakikipagpagalingan sayo, tinutulungan lang kita, “we are helping people” Gusto ko sya barahin and say If you want to help people then bakit wala nang offer later or tomorrow? sabi ko sa kanya, I am not convinced pa kasi with the system, I want to see actual sales contracts or fliers (puro sa blank paper lang kasi sya nageexplain at nagcocompute), wala pa rin syang pinakitang kahit na ano..instead nagbago ang mood nya and turned out into an arrogant man..I am just worried because I was stupid na pinakita ko ang card ko sa kanila..and they have my informations because may pina-fillup-an sila sa akin na form sa simula ng usapan napirmahan ko yung form..But not the debit form..that is the main reason why I searched for forums/blogs..anyone na may naexperience na nag-auto debit sa credit cards nyo?? please reply po as I am really worried about it..can’t sleep..:(

    • Sel Guevara says:

      Same name was approaching me today “james”.. tumatawag sya and telling me to claim my scholarship rewards, thanks to this blog coz im sure its not right to go there(@ the back of megamall daw) i dont give a damn bout the scholarships and exclusive rewards… simple na kong nabubuhay i dont need them… sa mga victim nun, Give them your word of a lifetime “Karma is via bluetooth na”

  87. Vash24 says:

    guys wala ba isa s inyo nanarefund ung binayad nyo? may tumawag nb sa mismong prudencial life insurance?

    reply pls agad… pag wala pa at s case nyo ayaw nila irefund sumpong nntn sa imbestigador

    • Inez_ako says:

      cge sumbong natin,,sabi nila na may 15 days daw kasi na nkalagay sa contract e, e ung sa case kya ng BF ko?..3 months sya nghulog and now ko lang nlaman na dapat di sya dun ngpa.uto..ppde din kya mkuha ung money sa kanila?

      - HELP!!!

    • archer says:

      HI! I purchased my 3k policy last May5 tapos matapos ang lahat ng nabasa ko recently I decided na irefund. Nagpunta ko kanina at sinabi hindi raw refundable dahil LABB plus lang raw ang inavail ko at hindi yung endowment plan according sa CSR nila. Sabi ko in the first place ilang ulit ko kinonfirm sa manager kung marerefund ko yung pera once na magdecide ako na ayoko sabi oo dahil yun ang gusto ko liwanagin tapos sasabihin nyo na hindi pwede at may 15days grace period. Excuse me wala kayong sinabi na 15 days o kahit anong grace period noh at you know what feeling ko kanina ay pinagtataguan na ko nung manager na kumausap sakin pero sisiguraduhin ko sa kanila na ibabalik nila ang pera ko sakin.kahit 3k lang yan ang ayoko ay yung niloloko ako.

  88. mypolicyholder_PPLIC says:

    Recently, the PPLIC has terminated the insurance product acquired from Family First / Danvil so called PROTECTOR PLAN last March 25, 2013.

    As all you know, many plan holders still believed that paying that PROTECTOR Plan will eventually be returned after 10 years of payment in full as a NO CLAIM BONUS.

    But not, PPLIC claimed that “insurer (PPLIC) has the right to terminate the policy if the minimum participation requirement is not met at any one time”.

    Kawawa naman ang mga policy holder, naloko na yung naihulog nilang pera na pinaghirapan tapus bigla nalang sasabihin wala silang makukuha sa PPLIC. Sa mga pinuno ng PPLIC, sa mahigit 50 years in experience, sana alam ninyo talaga ang mga ginagawa ninyo.

    Hope our Insurance Commission will help these people.

    • anonymous says:

      isa ako sa planholder na terminate ang plan, sumulat na ko sa insurance commision, pero wala pa rin silang reply :( ((

      • Gilbert says:


        Same here. Plan ko mag file ng formal complaint pagbalik ko ng Manila by July 1. Hope individuals in the same situation as mine would join me para mas making sila sa appeal natin.

        Maliwanag na pagnanakaw ang ginagawa nila sa atin. To those who want to join me, please text me at 09285919577. Would ask assistance from media as well to expose this issue.

        Nagtry na rin ako sa insurance commission pero mukhang di nila pinapansin. Gagalaw lang mga yan pag na-expose sa media.

        • anonymous says:

          hay salamat may kasama na ko, nag txt na ko sa’yo gilbert sana marami ka na natanggap na complain

          • IS says:

            HI! I’m one of you who looked forward to the day na makuha ang no claim bonus (return of payments)and shocked to know that it was terminated. Tumawag ako sa commision on insurance and may meeting with them PPLIC tomorrow June 21, 9:30 am sa Commision on Insurance, United Nations St. Hope we can all go to ask for our hard earned money back. thank you.

          • Gilbert says:

            That’s good to know. Hopefully maging maganda naman outcome para sa ating lahat. Gusto ko rin mag-attend pero unfortunately wala pa ako sa Manila.

            I appreciate kung may magkwento ng kalalabasan ng meeting for tomorrow.

            May mga nagtext na rin sakin to share the same experience. Not able to reply to then because so busy with work. Will try to contact them this weekend, especially kung dehado tayo sa outcome ng meeting nila bukas.

            Let’s all hope and pray.

        • Tina says:


          My husband and I are victims as well. We just learned today na terminated na pala yung rider namin. Kung hindi pa kami tumawag sa PPLIC kanina to inquire Kung bakit hindi kami na debit ng premiums namin for the past couple of months eh hindi namin malalalam yung nangyari. Our policy is supposed to mature in January 2014. I would really appreciate if you can share your knowledge here on how we can go after these bad guys and claim our money back. Thanks.

          • Elsie says:

            Hi Tina,
            Any updates po with IC sa issue on the terminated plan from PPLIC?
            Isa din ako sa policyholder ng PNCB.

        • joan says:

          same here. nakakagalit kasi aanhin ko ang gnun insurance na hindi masyadong clear dahil kung anu2 sinsabi

      • pissed off says:

        direct (632) 4041758

        use this for public assistance from Insurance Commision.

  89. Ms. Jhena says:

    Hi people out there. cguro nga po mali ung marketing strategy nla per0 nasasainyo pa rn nman po ung final decision dba. Yesterday I got my rewards from pplic. Ang habol ko lang po tlga dun is yung scholarship. So tnry ko. pnapunta nla ko sa MARILAO branch to claim the rewards at first sobrang ngdoubt po ako sa dami ng bad comments na nabsa ko but then I told to myself there’s no harm in trying and to see to believe. right ?since may finill upon nman tlga ko sa sm fairview so pumunta tlga ko sa MARILAO BANK pagdating ko po dun someone entertained me very well. wla po syang inalok ni kahit ano sakn. Inexplained lang po skn ung rewards na nkuha ko . wla akong piniramahan na terms and conditions. He asked a permission f he can check my atm, for me to get additional 5coupons for the raffle draw(cash pabuenas). I answered him “sir actually activate po ung atm ko pero pwede bang wag nyo nlang icheck “? Then he replied, “yes ma’am”. wla nman clang presentation na pnakita skn . Siguro umabot ung paguusap nmen for about 45mins. Right after bngay nya ung scholarship and ung half ng 5coupons ko for raffle draw. half nlang kc ung half ng coupons e naihulog ko na sa drop box nla. Maganda nman po ung naging experience ko sa pplic. wlang perang nwla or kinuha sakn. sbi ko nga po sainyo na sainyo ung desisyon e . pag gsto nlang iswipe ung cc nyo or even to check ur atm cards wag na wag po kayo papayag pra hndi po kayo maloko. Magtaka na po kayo kung gnun ung gagawin nla. kaya ako b4 ako pumunta dun kahapon sa marilao branch nla I have plan A and also plan B. Hindi lahat ng tao manloloko. Kung wlang magpapaloko walang manloloko. Sana wag po kayong magalit sakin . Kc ngsasabi lang po ako ng totoong nranasan ko sa pplic. Sa mga naloko po, Don’t lose hope because losing hope is losing yourself. God will help us in everything and He will make a way. So be strong, just pray and learned by mistakes

  90. Sureshot says:

    Baket buhay pa tong insurance firm na to? ilang taon na mga reklamo sa kanila ah! I had a bad experience with them last year. 45 mins na naging 2 hours!! Nung nag walk out ako dahil nagalit na ako sa kulit nila nagsalita yung isang agent nila na kausap ng Fiancee that time na if ganun ang pakakasalan nya, wag nalng daw!! Gusto ko sunugin ang office ng mga bastos na yan!! Malakas ata kapit nitong mga to kasi ilang beses na silang narereklamo bad marketing practices nila and still they continue to operate!! The problem is, tayong mga nagrereklamo kasi usually are people na busy. 2 hours na nga na waste nateng time sa kanila pag aaksayan pa naten ulit ng oras. My experience was last year pa and i still want to close them down! pero yun nga medyo naging busy na ako… but after reading new threads about them… nag iinit na naman ulo ko sa kanila!! Dapat i-ban cla sa mga malls!! Vultures!!!!

  91. xtin says:

    guys help me po d q alam n gan2 pla …kkpunta q lng sm mnla and yes nbiktima aq kinuhanan nila aq ng P16,842…tingin nyo pede q p 2 mabawi ? tama keo d lng nxa 45 minutes npktagal…guys phelp nmn po as in d mo nb mkukuha un pera mo d2 ?

    • Hannie Lou says:

      girl parehas tayo ng amount na initial ko..yestrday lng ako nkapag invest, gusto ko makipag cooperate dito.

  92. jeremy says:

    i also experience this just today! ipa imbestigador or xxx natin sila. mas ok kung thru media sila e exposed para ma aware ang public.

    • archer says:

      HI Zenki! Ako rin nakakuha from endowment nauwi sa 3k na sabi student program na inassume ko still magiging part ng endowment once na makabalik ako at mapuno ko yung required na amount. Did someone says na valid for 15 days lang yun kung ipapakansel mo dahil nung MAY 5 ako nagpurchase tapos recently ko lang nabasa mga bad comments dito kaya nagpunta ko ng Robinsons Galleria today to cancel it and get a refund, kung anu-ano pa ang sinabi in the end alam kong pinagtataguan na ako nung manager na nakausap ko. Pero babalikan ko pa rin sila dahil ayoko ng niloloko ako.

  93. Inez_ako says:

    Hi guys, ask ko lang if mababawi pba or hindi talaga ng bf ko ung 29k na binayaran nya last January 2013, now ko lang nlaman na kumuha pla sya ng plan sa Phil Pru na eto e..whew..we went last time sa ofis ng Phil Pru and ansabi namin na ididiscontinue na nga ng bf ko ung ask ko f mbabawi ba nmin ung money nya na almost 35k lahat kasama ung 3 months payment nya…ansabi sa min ng sales manager e, di na daw kasi may non-forfeiture something2 un cla..hay naku badtrip ako kahapon sa bf ko..engot kasi pipirma pirma sa di nman nainitindihan na contract..So, sabi ng sales manager mas mabuti pa daw na ipagpatuloy nlng pra di sayang ung, wen we changed our mind and went home dun ko lang din naisip na kun peperahan pa rin nila kami still..ansakit sa ulo…kasi sabi after a year na hulog pde mabawi money pero, HELLO?…sa almost 45k na mhuhulog for d year ang ibabalik nila sau is only 7k+!!!!WTH!..tskk..tskkk…kaya maya will try to cancel na tlga the policy with that insurance company…grabe…engot din kasi bf ko e..ngpadala din sa mga engot na kumausap sa knya…

    Kikitain nlang ka namin uli…

    • archer says:

      Do all your best to get your money back. Ako nga 3k yung nagcharge sakin pero I will continue to harass them till I get my money because it’s mine. Isipin nyong mabuti yung mga hindi nila ipinaliwanag sa inyo ng mabuti at icontest nyo na never nila namention yun sa inyo. kung endowment policy yung pinaguusapan inoferan nila ko like for 28k+ at nung tinanong ko kung mababawi ko ba in full yung binayad ko let’s say after a year sabi nung manager na nakausayp ko oo raw plus the interest during that time. kita nyo yun ang sabi sakin pero now the other agents are telling you na hindi. Ibig sabihin may hindi sila ipinaliwanag sa inyo para maforfeit yung ano mang policy na hawak nyo. salbahe sila! bsta do all your best na mabawi!

      • yasha says:

        ARCHER, let’s work this out to have a refund on that stupid LABB plus. naloko din ako ng bwisit na mga yan. 9k pa kinuha sakin. PWEDE BA UN? ISANG PLAN LANG, LABB PLUS tapos pagkakaiba tayo ng bayad. nanloloko lang talaga sila. pls contact me. I’M WILLING TO COOPERATE WITH YOU.

    • letu says:

      tama si archer,magreklamo pa dn kau. ndi kasalanan ng bf mo un kasi magaling tlga cla mag”hypnotize” ba. at tsaka ang inexplain sakin knina from d so called “presentation ads” nila,after a year pwede mo p dn makuha ung buong hulog mo pro ala interest. (atleast nkuha mo pa dn) ipagpilitan mo firm. kaung 2 ng bf mong pumunta dun and be firm sa decision nyo.

      and yes,oo npa-oo ako knina sa megamall ang daming checheburetche nung lalaki. nkakabwisit. and to my eagerness n matapos ang discussion at makauwi nkuhanan nila ako ng 4.5k hayy!! kesyo may mga clients din daw cla from same company n pinagtratrabahuhan ko etc. kainis! pro naicp ko,it made me wiser,will never talk to strangers again. darn that company! hintay hintay lang cla ng karma nila. haha. sana maimbestigador to. bwiset! nagtratrabaho ka at naghhirap n mkapagipon tlga tpos lolokohin k lang.. kainis!

      naiinis ako sa sarili ko. cno pa dito ung sa labb plus,anyone? san pwede iavail ung dental? magpapadental nlng ako everyday! :D

      • Mike says:

        Nabiktima dn ako kahapon putang ina. Pupuntahan ko cla ngayon ipapacancel ko ung policy ko mga putang ina nun. Bullshit ng scam ako ng 4.5 k sa mga gagong un. Rereklamo ko tlga cla.

    • joshua pica says:

      hahaha natatawa lang ako kc we had d same d same din ung policy at d same din ng amount ng boyfriend mo..pumunta ako dun lastweek sabi hindi ko na raw marerefund kc lagpas na ako sa grace period within 15 day free look..hays nasayangan talaga ako sa 35k ko dyan sa walang hyang endowment na yan..nxtweek ipacancel ko na un..goodbye 35k..

  94. Carlito A. Urdaneta says:

    Kaninang 9:51 ng umaga may text message ang aking anak na nagsasabing nanalo siya ng 2 years transferable scholarship sa isang computer school handog ng Philippine Prudential. Pinapunta ang anak ko para i-claim ang rewards bukas, May 29, sa isang office nila sa Davao City. Buti na lang at nag-open ako ng internet at nag-search ako. Nabasa ko ang maraming comments sa nabiktima sa panlolokong ito. Kaya, maraming maraming salamat sa inyo. Napayuhan ko agad ang anak ko na huwag pumunta at maging biktima.

  95. Marky says:

    Hi Guys,

    Tanong ko lang kung nag-fillup ka ng survey nila, pero di naman na-swipe ang CC ko at the same time di ko binigay CC number at account number ko, meaning ba nun, di ako enroll sa kanila? Kasi yung survey na nafillupan ko contains confidential info such as Bank Name at credit limit, mother’s full maiden name, signature etc.?

    Pero tumanggi naman ako sa offer nila. Kinakabahan lang ako dun sa mga info na nasulat ko sa survey. Anyone, can tell me kung naka-enroll ba ako sa kanila? Aside kasi sa survey wala na ko nafill-upan na form.

  96. jryl says:

    nakaranas na rin kami ng husband ko nyan sa sm megamall… ang nakakainis lng kasi sabi nila 30 minutes lang ang orientation pero inabot kami ng 3 hours… tapos ung cousin ko dito sa iloilo na walang kamuwang muwang muntik rin mabiktima… do they really need to see how much ang savings mo sa atm kasi tiningnan tlaga nila ang laman ng atm ng cousin ko….good thing was that nung iswipe nila sa machine nila di maaccess kasi offline that time ang bpi… tapos niyaya nila ang cousin ko na magwithdraw na lng over the counter buti na lang naabutan ko sila and niyaya ko ng umuwi cousin ko and she was very thankful kasi daw ang kukulit ng mga agent parang di daw dya makatanggi. may pinapirmahan din sa kanyang authorization letter na i think para sa banko un kaya kinabukasan nun pinalitan agad namin ang atm account nya…

  97. Raymond M. says:

    Kung nakinig kayo sa presentation nila, dapat alam nyo na connected sila sa government. Yes, it’s true, kung anu yung sinabi nilang pera sa inyo na makukuha after 15years, makukuha nyo naman talaga. Kung iisipin ko mabuti, yung mga pera natin na naibayad sa kanila ay napupunta sa trust fund ng government, kaya nagkakaroon ng maliit na interest. Yes, totoo to, kung anu yung sinabi nila, yun yung mangyayare. kaso maling mali yung strategy nila. Masyadong madumi yung tactics. Now, if itatanong nyo kung bakit sila tumatagal? Simple lang, KASI NAKIKINABANG GOVERNMENT NATIN SA KANILA. :)

    Nauto din ako nito kahapon. And nirefund ko din agad Kanina, sabi nila makukuha daw yung pera ko after 30~45 days. Hopefully makuha, pag hindi susunugin ko sila :) )

    • Yssay says:

      hi po. any update kung nakuha nio na ung refund nyo? kumuha din po kasi ako kahapon ng almost 14k na endowment then 4500 na labb plus.. ung labb plus po kea narerefund din???

  98. zenki says:

    ngyari din sakin tutulungan daw ako mg save, from 36 naging 27 ,23 then 11 at yun nga ung LABB plus na na avail ko worth P 7700, di nmn sya endowment plan n my babayaran monthly, kinakatakot ko lng baka kac ako kaltasan ,khit subject to renew yung sakin dahil 1 year coverage nung insurance, na badtrip lang kc pilit na pilit ka kumuha ng plan sa kanila, tas after ba nmn na makakuha ka sa knila ng insurance sabihan ka pa na pa cenxa bkit nag papa cenxa sila it means may mali sa gingawa nila.

  99. Darwin says:

    Nakausap ako nito. Sa umpisa ok. Pero nung nagsimula na sya na maging desperada na makabenta naghinala na ako. Ayaw nya ako paalisin, may proper exit pa daw. Ginawa ko tumayo ako at ngpunta sa recepcionist tapos biglang habol at sabi ok na daw. Nakita nila yung credit card ko. Eh lahat halos ng info ko eh andun sa form. Kaya tumawag ako agad sa callcenter ng bank at tinanong ko kung may gumamit pero wala nmn. Pinabago ko na lang yung card ko. Prevention is better than sorry.

  100. Iko says:

    Hi guys,

    Thank god, I found this blog…same as other people here, nabiktima rin ako, good thing 1800 lang yon nakuha sa akin, but what bothers me, is na swipe nila yung card ko, and definitely they have my credit card number as well. So kahit ba na cancel na ang insurance mo, posible parin ba na magkaltas sila from my credit card? and also they gave me a separate account number kung saan daw iyon ang gagamitin ko once mag pay ako for the next installment. Question ko lang po, the same ba yon ang separate account number na binigay nila sa akin at yon sa credit card number ko?

    Please help…

    Thank you very much

  101. nicz says:

    hi po..i got the PRIME LIFE 40 PLUS for my mom, 2010 pa ako nagbabayad. last week ata i browsed with their website at di ko na nakita ung plan na kinuha ko. does it mean naloko din ako? bigla tuloy akong kinabahan. wag naman sana.

    pls. i need a reply. this 15th kasi due na naman ng monthly premium ko.


  102. raiko says:

    ano ba yan ako din 3k nakuha ng mga bwisit na to.. last mo. pa pwede pa ba irefund yun.. andame sinabe sakin.. ibaiba tau ng presyo ah.. feeling ko prepresyuhan ka tas pag bumigay ka sa presyo nila.. dun ka sasakmain.. grabe to.. pa TULFO natin to

  103. rai says:

    grabe to.. gusto ko ibalik yun 3k ko pwede pa ba.. after a mo. last may pa ko naloko ng mga bwisit na to

  104. rai says:

    grabe to.. gusto ko ibalik yun 3k ko pwede pa ba.. after a mo. last may pa ko naloko ng mga bwisit na to.. ipaTulfo natin

  105. Jeypee says:

    Paano po maibalik money ko now ko Lang po nabasa blog na to until now nagbabayad parin ako,,

  106. Jeypee says:

    May nagsumbong Na po ba Kay tulfo nito,kailangan ko mabalik yung money ko almost 1year na aq nagbabayad ng 1610 per month sa BDO accnt nila 7year endowment kasi kumuha ko, I need my money back,tulfo at saka yung mga naloko need to cooperate para mabawi natin ang pera natin,

    • len len says:

      fucking shit tlaga yang pplic na yan , scam pla yan aq rin nabiktima nila sa pangguguyo nila,nkuha nila ang 3k q , pano po ba marerefund ang pera q, sana matulungan tau ng mga tulfo brothers.. pls help po.

    • mitch says:

      tama…kelangan naten magtulungan..teka..panu nga ba naten sisimulan? na biktima din nila ako..i need my money back. txt nyo ko 09393956173

  107. Jonatz Sinalcau says:

    09998859373 eto po ung cp # ng Agent nila na tumawag sa akin kahapon June 16, 2013 (5:13pm) Sunday. Credit card at atm ang tinatanong nila, kagagohan!!!!!akala cguro maloloko nila ako.!!!!!
    Agent ito sa SM Pampanga.

  108. lyn says:

    isa din ako sa naloko @ robinson malate hndi ka tlaga titigilan hanggat hndi ka nakaka “oo” beware po..ngaun ko lng din kc nabasa ang mga post/blog regarding dito.kaya pla sabi nila one time opportunity lng hndi na pwdng bumalik.un pala takot cla dhil wla ng babalik pag nag check ka kc sa net puro negative ang feedback.

  109. Madona Penaflorida says:

    I am also a victim….paano ba mababawi ang 6K ko…sahod nuon ng abangan ako sa exit ng isang bakla sa SM Southmal named Joselito..paano ba mapapa imbistigahan ang Scam na tulad nito?

  110. john says:

    kanina lang naexperience din namin mgkaibigan ung mga magandang salita nila…appreciated talaga kung gano sila mgsalita..ang husay talaga..ang mali lang sa tactics nila is ngiinsist sila na mgdeposite ka kahit na aayaw kana…panluluko og parang harap harapang hold up lang ang nangyari..kung macorner na talaga kayo tibayan ang panindigan ninyo talaga na ayaw ninyo..ganon ginawa ko kanila..kung smart sila maging genuis narin tayo mahirap ang buhay ngayon…

  111. joseph says:

    Just got this exact call [and same number] from these, apparently, scammers.
    Good thing I researched intensively before pumunta dun sa Ortigas; bukas ang sched na sinabi ko.
    I knew something’s fishy. Napakapersistent nila na papuntahin ako.

  112. Lindsy_01 says:

    Hi to all. I work before with other insurance company which is more ehm let’s say stable in terms of assets and capital compared to phil. prudential…the company I work with is the leading life insurance in the country.
    so What im saying is I have knowledge about insurance and investment stuff. I will just share what I know…based on current ranking they’re in the top 20 life insurer in the phils. The Company is legitimate since the insurance commission issues a certificate of authority every year yo this company. This certificate validates the financial stability and integrity of the company..meaning they have enough funds to respond to their 1.8M policy holders in case of claim… And one more thing, the company pays claim thats for sure..their head office operates in aic tower ortigas.
    But I am just concern about their way of marketing their product, sapilitan kasi….they should not even ask about atm and the like. Anyway, you may want to endorse complaints to the insurance commission(I.C) if the amount involved is more than 5K..IC is an institution who has the right to revoke the license of an insurer to operate in case they violated some rules. About small amount of refund, I suggest you go directly to their office or customer service. Write a letter indicating your reason and if you can, also indicate your plans on reporting them to the insurance commission. Hope this info can help. To anyone who might want to ask, i just bumped into this forum while searching about the company. im making reviews. Sorry if may typo error i’m on a rush.

  113. t.r says:

    OMG.. ngyari din samin yan ng asawa ko recently lng june 25, 2013 sa robinson sta rosa laguna. and katulad din ng sa inyo ask ng kung ano ano., actually claim lng nmin yung certificate blah blah and after nun kng ano ano na ang cnasabi sa asawa ko habang nagfil up ng form sa pagclaim ng copun nila. first alam ko na na it was a SCAM tlga kaaso itng asawa ko parang nwala sa sarili niya na lagi n lng siya oo ng oo sa mga tanong nila.. then ako habang naguusap sila naisip ko na magcheck sa net ng phone ko about this prudential at ito ang nkita ko na scam pla and sinisinyasan ko na ang asawa ko na ayuko at umalis na kmi pero ang asawa ko tuloy prin then ayun na nga npa oo na siya at nagfil up na kmi ng form nila cc form then binigay nmin ang cc ng asawa ko at swipe nila THANK GOD at declined yung CC ng asawa ko so ngyari pinatawagn nila kmi dun sa office ng cc and umalis kmi dhil hndi and sabi nmin babalik n lng kmi and sabi nila balik n lng daw kmi at lhat ng filup is itatago daw nila then pagalis nmin sabi ko sa asawa ko punta kmi sa bank at tawagan yung cc na ipablocked yun CC para just incase at sure na wla sila mkukuha sa CC nmin at ayun ryt away pinablocked ko yung cc ng asawa ko and to get new acc. number kc hndi nmin alam bka mgamit nila at kng nkuha ba nila yung code sa likod ng cc so my chance sila na mgamit sa onlinr buying kia ginwa nmin pinablocked nmin. at after nun parang dun lng natauhan asawa ko na shit may mali parang nahynotize siya kia ayun now i suggest beware for that f**** prudential na yan.

  114. jam says:

    totoo ba to???eto o katatapos ko lang kausapin ung sa nia is jayson Lim..nanalo daw ako ng # exclusive rewards!!!my gawd…tinignan pa man din nila sa SM fairview ung ATM card ko…pero di naman nila ni swipe…hayst pinapupunta nia pa naman ako tom. sa SM marilao to get my rewards!!!!binigyan pa nga nia ko ng claiming code eh!!!if ever na scam nga to bakit hinahayaan ng sm na my tenant silang ganito dba!!! confused!!!bait pa naman nung nakausap ko…hayst!!:(

  115. marefund pa ba eto, just paid 4,500 thru credit card just today sa limketkai cagayan de oro.

  116. how can i get my refund?

  117. Miku says:

    nanalo din daw ako ng prize.. punta daw ako sa Marilao branch.. is that true?? >.<

  118. Joanna C. says:

    Hello. I’ve experienced the same thing last June 18. My initial deposit is 23k gamit ang CC ko. Kaso na realize ko na hindi pala kakayanin ng expenses ko, so I’ve decided na ipa cancel na ung policy since meron namang 15 days window period. Nung pang 14th day ko na, nag decide na akong tawagan kaso ung hotline nila sa website ay out of office kasi may holiday daw sa Pasig ngaun (Head Office nila). So sinubukan ko ung direct number sa Starmall. Dun ko nakita ang website na ito at nalaman na scam nga sila. Same experience. Same views. Same feeling. Nakakahilo habang binabasa ko ung mga confirmations niyo. I immediately rushed to their office at nagpa alam sa boss ko. Kausap ko manager na naman. Pero iba na dun sa sales consultant na nag alok sa akin. Sobrang stressful. Ayaw pa nilang ibalik sa akin nung una. Hanggang sa naiyak ako dahil sa sobrang inis.Bale ang nangyari, napacancel ko naman. Need ko lang ibalik yung documents para macancel ung transaction ko sa BPI (CC na ginamit ko) Meron daw 30-45 working days period bago ma process. I really wish na ma cancel ito. I think mas kayang maibalik kung pasok dun sa window period at hindi pa nag start maghulog monthly. If you have taken some actions/follow up with Philippine Prudential, post it in here also. Para mabigyan ng idea ung iba. Goodluck po sa atin. :)

  119. Titus Ybadlit says:

    base sa mga nabasa ko. i really do feel stupid giving up 98,000 for my endowment.

  120. Kristine R. says:

    ganyan din nangyari sakin ..almost 2 years ago..
    May isang lalaki ang lumapit sakin..kinausap nia ko..ang sabi nia it wont take long..peru bago yon..tinanung nia muna ako if may credit card daw kami nung isa ko pang kasama..sabi nila sali daw kami sa raffle para sa car..tapos pag nagfill up kami..may mga freebee pa..sabi ko busy kami..saka n lng..sabi pa..sandali lang daw..attend din daw kami ng discussion sa loob ng ofis nila..sandali lng daw..siempre para di makabastos..sumama kami sa loob..tapos may isang babae ang nag assist sakin..inexplain na yung sa insurance..kesyo ganun..ganyan..nararamdaman na namin na parang may something n tlgng nagpipilit sila na kumuha kami ng insurance..sabi ko wala limit card ko..totoo naman n walang limit..kasi naubos ko last time na naggala ako dun mismo sa megamall..sabi pa nila..ok lng..kasi mag aapear daw yun sa next bill ko..desidido sila na makakuha kami ng isurance at maiswipe nila yung card ko..obvious na plano tlg nilang manguha ng pera sa mga tao..sabi ko ayaw ko tlg..pinakausap pa nila ako sa isa pang lalaki..pinarerealise pa sakin na anu daw ba mga priority ko sa god..naloko tlg ako..nakuha nila 3k ko sa pagswipe nila sa card..di ka nila papaalisin ng di ka nakakakuha ng insurance nila..

    the other time na nagkasalubong kami ng lalaking nakafront dun sa prudential..di na nia ko kinausap kasi nakilala nia ko..halatang may ginagawa silang di maganda..ang tanong..bakit di ginagawan ng aksyon ng management ng megamall ang mga taong yun,..for suremaraminaman din na nagreklamo sa tenant nilang iyon..mga gahaman sa pera at desperadong kumita ang mga yun..wag kayo papaloko..tulad namin..biktima kami..yung dental card na sabi nila pede magamit anytime..nung ginamit ko sana para magpabunot at papasta..di ko magamit..palinis lang after six months daw ulit pede magamit..hay nako..tinapon ko n yung card..and i swear..di na ulit ako maloloko ng mga yun..

  121. Elsie says:

    hello po, sa mga Policy holders/Riders of Danvil Plans (No Claim Bonus) na they terminated, meron na po ba updates/sagot from IC? Pashare nman po. Thanks

  122. anonymous says:

    lahat po ng na terminate ang plan ng pplic,, please attend the meeting on july 8 or july 11 sa insurance commission. 8am

  123. Paulo Apalisok says:

    paano na mangyayari sa nahulog namin , pang tuition fee ng anak ko yan next year? Phil Prudential Life , March pa pala na terminate plan ko pero charge kayo ng charge hangang May 2013 sa credit card ko. Dalawang 777.00 ang pay ko every month plus 700.00 next year tapos ko na ma pay ang 10years na money back. Mga manloloko kayo , kayo itong mayaman nagagawa nyo pang mangloko sa mga kagaya namin na mahirap.

  124. Loud G. says:

    tang***! nabiktima nrn aq s PPLIC n yn! last February 2013, punta aq s Starmall Shaw after work q s dting kong trabho pra lng bumili tpos my humarang sken ng 1ng bading na agent na mana2lo dw aq ng kotse at trip to asian countries (d q mtndaan ung ano lugar un) tpos sbi nia sndali dw un pero 2mgal aq s loob ng branch nila by almost 3 hours! sh*t! ang mdami nla tnong kung pano dw mk2tulong s future q. Php22,800 ang initial deposit q (gling s debit card ng atm q), tpos huhulog aq ng 1,610 every month starting may 2013. nkk-3 months nq hinuhulog (cguro mga almost P5k n) until nlman q s balita s tv last week n mrmi pla reklamo s PPLIC. sobrng inis po aq dhil nsyang lhat mga ipon q s trabho (medyo npproblema p aq ngaun dhil wla aq trabho s ngaun). let me know kung panu i-cancel ung coverage q s endownment…pls. reply asap!!!

    isa nrn aq s mga biktima n lokong insurance “scam” n yn! naalala q p just last june n pumunta kmi ng gf q s 1ng mall s pampanga, my ngpu2milit sken s insurance n yn! leche! nk2trauma n! nk2inis! bka this august or soon blak q pumunta s PPLIC branch s starmall pra kausapin n i-cancel mga endownment q at ibalik lhat mga pera n kinain nla gling sken! My gosh! DAMN IT!!!

    • Kim says:

      jan din ako naharang sa starmall.tumawag sila skin kahapon nanalo daw ako.bute nlng meron tong blog na toh kung ndi ko to nakita na scam na sana qu

  125. Enitsirk says:

    Muntik nako maloko ng Philippine Prudential life nayan! Just today may tumawag sken 09153942820. Buti nalang nagtanong muna ko sa Daddy ko, nanalo daw ako ng educational plan. Hindi pla totoo at cyempre papapuntahin kah sa office. Of course with money involved, kc alam na may atm or credit card ka. There’s no such thing as free nowadays. Aggressive marketing eka nga. Bote nalang!

    • keeho says:

      just now. Kakatawag lang sakin ng number na 09308545823. nanalo daw ako ng consolation prize na scholarship for two. at the end of our conversation, hinanapan ako ng credit card then i said wala. tpos biglang pinatay ang cellphone.kase cguro nalaman na wala akong credit card. haha. pero naloko nila talaga ako. 4850 ang nakuha nila sa atm ko. last sept. lang.

  126. Anne says:

    Looks like I am the not the only one who has the same experience. It happened to me in SM Southmall. I was just passing by and a gay named Joselito in a black suit offered me freebies and free raffle tickets. I was delighted because I thought It was real free but later I found out it has conditions like If I want to have them. I have to have an ATM card, check book or credit card to show with me and he said he will just introduce the company and other than that, I can walk out freely. So I came with him and he guided me to their office. After I filled up the raffle tickets, a female agent attended me and asked me to come with her for the 45 minute presentation. They were really friendly and professional looking and also offered me an iced tea. Nagpresent nga siya ng mga goals in life etc., but at the end of the presentation, Pinipilit na niya akong magapply ng insurance pero ilang ulit ko namang sinasabi na ayoko. She presented all the insurance that they have including the 3K insurance down to 300php. I was really pissed because 45 mins time became 2 hours! Sabi ko babalik nalang ako tomorrow and she said, we won’t offer the same again…only TODAY. the f*ck? I just hate the marketing strategy. Instead of inviting more people, they are shooing us away because of their manners. Nakakairita.

    And then one day, someone called me. They are telling me that I won 2 years scholarship and some gift certificates. I ignored it but they were persistent in calling so I went to that office near in SM Bacoor. I came with my foreign boyfriend so instead of just claiming my prize, they did the same to him! They even swiped his ATM and said 1,000 dollars is just an excess of his money. They are really unbelievable. When my boyfriend said NO. The guy who presented to us get so BITTER! Its really a traumatic experience. I wont walk on that side of SM Southmall again!!!

  127. Jake says:

    Guyz, nangyari na rin sakin to, hinarang din aq ng bading last year, sabi mgdidiscuss lang, kasama ko GF ko nun, robinsons manila, then, ngdiscuss nga, hanggang sa hinihingi na nila credit card number ko and atm card, pinagsabihan ko sila, na ANG USAPAN MAGDIDISCUSS LANG, at pinipilit talaga nila ako, GUESS WHAT kung ano ginawa ko, NAGWALA AKO SA OFIS NILA, wala sila nagawa, takot din naman sila, kahit makakapal mukha nila, hinahanap ko na ung bading na kumausap sakin, nawawala na, kasi may binigay sakin na token (Mug ata), isasampal ko sana sa mukha nung bading, sa tingin ko tinago na nila ung bading, ang sinasabi ko sa kanila, ang usapan ay usapan. then after a year, last month lang, tumawag, nanalo daw ako, at magdala daw ako ng credit card sa pagclaim, parang gusto ko na talaga makipaglaro sa kanila, siguro hindi sila aware na alam na to ng karamihan, at anytime pwede na silang paglaruan, kawawa sila pg may pumatol sa kalokohan nila.

    Para sa mga makakabasa nito, pag naencounter nyo ung ganitong scam, hwag kayo matakot sa mga tingin nila, hwag kayo magpadala sa mga kinikwento nila.

    At sa mga nabiktima na nito, kung tinarantado nila kayo, pwede nyo rin gawin sa kanila un, pwede nyo naman IPABUGBOG.

  128. protocol says:

    LABB plus 4500 nakuha ko kanina lang. Parehas na parehas sa istorya nyu :( . Di na pla safe gumala sa SM ngaun. May nakatry na ba refund neto. Yung kawork ko 21k endowment narefund nya, nagsubmit sya letter. Pero etong LABB plus do you think refundable? hope someone will reply.

    • Aubrey says:

      Hi narefund niyo ba yung 4,500 ninyo? gusto ko din marefund yung sa akin eh.

    • haunts says:

      Hi protocol,

      kahapon naexperience ko din yan LABB plus din pero may customer service naman na nagveverify if happy and satisfied ka kasi once na naiapprove ng customer service ung form, non refundable na ung 4,500 it so happened na naswipe na din ung CC ko pero sabi ko icancel na kasi iba iba ung sinasabi nila nag issue sila ng void receipt but sad to say ang napost palang sa CC ko is ung P4,500 na purchase wala pa yung void…but I talked to customer service ng CC and he told that just keep lang daw ung void receipt ko..tnx

  129. Lala says:

    Ang dubious talaga nito from the start. Pero since I was interested to learn a new way of saving, I gave in. Pwede pa ba nila ako kaltasan sa debit card ko?

  130. Lanie ramirez says:

    Pls help us hw to cancel becoz me and my bf also a vctim 50k n naibgay nmin bgo lng kmi lst may 26 kmi ng reg eh til nov ung bnyran nmin anu po pede gwin nmin THNX

  131. Maricel Cabahug says:

    Isa rin po ako sa victim ng no claim bonus na up to now naghihintay ng update kung ano na nangyari kc nsa abroad po ako. Sana po msibalik ung mga nahulig natin. Kung sino po may alam pkiusap po pde po ako maitext sa 09154739717 o email at thanks

  132. Mark Caparas says:


    Ive experienced the same thing nung pang Danvil pa ito.. Tama kayo may mga freebies daw na ibibigay at raffle at may ung pipindutin kang electronic na kelangan makuha mo puro number 6 ata to win a car. haha. Sinubukan ko at sabi ko wala namang mawawala eh. Ung freebies pa nga eh after matapos daw ng presentation ko makukuha kaya ayun kahit anong No ko ay ayaw akong palabasin at hindi ko makuha freebies ko at ung raffle na kotse kaya nanghinayang na rin ako. Tama kayo umabot nga rin ng 2 hrs ung sinasabi nilang 45 mins. di tuloy ako nakapaggym dahil gabi na nung pinalabas nila ako with my freebies. Eto process: 1. may haharang sayo sa labas with freebies daw etc etc. 2. sa opis pupunta ka with matching ice tea. 3. kukuhanan ka ng personal information and financial history by atm or cards 4.mkikinig ka sa mahabang lecture about your future and your life. 5. Then you said No. 6. They become desperate offering you small and small insurance monthly payments 7. They call on someone they know, na arroganteng haharap sayo.
    8. They will try their best to annoy you to giving up your card para iswipe kahit sinabi mo na walang laman. 9. swiswipe nila card mo. decline…. they will offer you 100 pesos or ngaun eh 300 na pala na maliit na insurance policy lang.. haha
    Ang mapapayo ko lang, wag manghinayang (like me)sa freebies or raffles. scam lang un. Walk out the door immediately once you notice ung pinagusapang oras is up. Learn to say NO and mean it! Gusto ko nga rin bumalik dito para lang manloko rin hahah.. para maramdaman nila how they waste my time… buti na lang wala sila ni singkong perang nakuha sa kin kasi isa akong hindi naniniwala sa lahat ng insurance except sa kinuhang insurance company ng company na pinagtatrabahuan ko. May nabalitaan kasi ako sa CAP ata un… ung 1 million ung dineposit nya tapos wala siyang makukuha? kaya simula nun hindi ako nagtitiwala sa insurance company sa labas ng company i work for. mahirap na no. I just went to that Danvil for the freebies tlaaga hehe. tinanong ko pa nga kung wat happen sa family first… wala silang malinaw na sagot kaya mas lalo ko naisip na scam talaga yan.. I hope mwala n sa megamall or any malls yan.. un lang.

  133. ryan says:

    wow! maraming salamat at nabasa ko to..actually this day naka 3 tawag sila about daw sa lucky 50 winner sa kanilang 50th anniversary isa daw ako doon.. .buti na lang talaga hindi ako pumunta at never talagang pupunta.

  134. kristina says:

    tsskk! bakit may gantong mga tao. pnaghirapan nten un! eto otw na ko sa knila bwisit sila! binalik po ba pera nyo. hayyy bakit my gantong tao

  135. Ro says:

    I took one of their plans early 2004 or 2005 (Family First was the name at that time). Then I went abroad Australia at 2008, when I learned that Family First is changed to Danvil Plans and the Australian business partner is gone, and is selling to another Insurance company . I researched the insurance company who was supposed to buy it (legacy group ) , it has several issues and lawsuits/charges to face. So I wrote to the management of Danvil (office at Paseo de Roxas at that time)and told them what sort of dickheads are managing Danvil, that after Family First tricked clients, they are selling the company to another dickhead group of companies. I have already paid more than 30,000 at that time, but I opted to discontinue and only got 3,000 of my money back. When I went to their office, I heard someone say, “she’s the one who wrote the letter”. Why i chose to do it? Because if I didn’t, they will continue auto-debiting my credit card and I will be losing more for sure because I already foresee the downfall of a company headed by dickheads. Now I learned it’s owned by Prudential but still using same tactics at malls. BEWARE!!

  136. kristina says:

    ayun! nagpacamcel ako today lang counting na ko 30-45 days daw. pah di nila binalik hmmmm

  137. maui says:

    Same thing happened to me last Nov when I was strolling around SM Southmall a girl asked me if i have visa or mastercard cc or atm she asked me how much money i have on it and even asked me to do a balance inquiry. Then she asked me to fill out some raffle stubs and if im willing to attend their presentation. Since the girl sounded so polite i said “yes” but it took me almost 3 hours because they are insisting me to sign up with what they called endowment but i am also persistent in answering them NO so they let me go out ang just gave me my price a wallclock that still hanging on my wall. This afternoon i just recieved a call from them saying that i won 2 college scholarship grant and an accidental insurance they even assured me that there is no money involve. They texted me the prize code and asked me to go to SM Bacoor good thing that i asked my friend since he resides in cavite and told me not to go. My point is there is no harm in saying NO, and if someone called you much better to ask someone or surf the internet.

  138. Jean says:

    Grabe naman kapal moks! they are calling 50 person ngayon at pinapapunta kami sa robinson bukas. nanalo daw kami sa consulation prize natatakot ako kasi pinapadala mga atm ko, hindi ako nag sign up nung Sept.3,2013 sabi ko wala ako pera pang shopping lang meron ako… nakikiusap kahit 4,500 daw kung pwede… meron pala silang quota per day 100k…. kaya super kulit nila…

  139. Jean says:

    hinarang ako sa SM Pampangga, inabot ako ng ilang oras hanggang sa sabi ko di ako talaga intersado wala akong bdget jan… ngayon naman pinapapunta ako sa ROBINSON BALIBAGO bukas, buti na lang nag search ako kundi patay!maloloko din ako…

    • jix says:

      kagaya mo rin ako hinarang sa sm pampanga,after few minutes of discussion, pilit nila akong pinapapunta sa atm machine just to check kung may balance pa daw ung account ko,sabi ko ayoko na, at di ko na nakuha ung mga freebies nila….now eto…tinawagan ako kanina lang at ganon din sinabi may makukuha daw ako college scholarship certificate..punta lang daw ako sa robinson mall balibago..buti na lang nagresearch muna ako kung scam nga ito, buti na lang agad ko nalaman,hindi naako pupunta sa binigay na appointment sa akin on fri…

  140. Azil says:

    I just read these just now. Unfortunately, I got Labb plus last Aug 16 this year worth P4,500 plus dental card at SM Pampanga and 20 year endowment got at Cabanatuan city. I will make a cancellation letter and send through email early this week to get my money back. Pumunta pa Ko ng Cabanatuan kahit malayo for the datamex voucher scholarship for 2. Pag dating ko dun in offer ako ng endowment plan only for that day lang daw. Naengganyo sa mga benefits at once a year lang paghulog worth P4793. Rachelle Fernando nag explain sa kin pero Jespy Lim name ng nag call and text with no.09153942821.napapayag din ako bandang huli. Sana marefund Ko kahit endowment na lang. Labb plus seems malabo marefund.

  141. Brian says:

    Hi Guys,
    Same story ako with protocol. meron bang way para marefund yung labb plus?


    • Daphnie says:

      LABB PLUS din ang prob ko.
      I bought their plan last Sep. 13, 2013 for P39,338.00 including their ENDOWMENT PLAN (P30, 338) and LABB PLUS PLAN (for P9,000)from Edsa Starmall through my CC. I was so stupid to be fooled by those people. After I’ve read those negative feedbacks, I immidiately go back to their ofis together with my friends and my request for my Plans Cancellation. Kapag wala k kcng ksmang pumunta s ofis nila, pgtutulungan k nila para hnd mo macancell ang plan mo. Nblik n skn ung P30,338.00 q last October pro ung P9,000 hnd dw nila mbblik un kc as per PPLIC policy, hnd dw nrerefund un. hiningan ko sila ng documents non pra ireview ko qng totoo ang cnsb nila but they refused to show the document, as per Customer service its only for their company record which means confidential. So what I did, I emailed the INSURANCE COMMISSION regarding this matter.
      Kya ito, s November 7, 2013 mkkharap ko ang representative ng PPLIC s INSURANCE COMMISION, kung sinong gusto magreklamo, pgkkataon n ntin to. Qng willing po kaung sumama, txt nyo n lng aq s # q 0926-485-9111
      10am pong meeting s INsurance Commission – Office of the Public Assistance and Mediation Division, 1017 United NAtions Avenue Manila.
      magtulungan po tau para matapos ng pangloloko nila. tnx

  142. jhen says:

    kakapang gigil sila mapa oo ka lag .. hangang sa mapunta na sa status ng pamumuhay .. bwesit sila !!!!!

  143. dea mae says:

    marerfund ko pa po ba ung nadebit sakin na 4,850 sa atm po .. pls help po plss .. namomoblema po ako ! laking pagsisisi ko :(

    • keeho says:

      same here. I want to refund my 4850. Grabe sila. Saang agency ba tayo pwede humingi ng tulong regarding this.

    • Kim says:

      Mae, san mall ka po nabiktima? Magtulungan po tayo, same lang din po na amount ang nakuha sakin e

    • glenmore guinto says:

      naloko din ako kc keln lng ngbayad ako ng 1240 kc nga daw prang time deposit habng ngiipon ka secure ka daw dko kaagad nkita ito sana d ako naloko
      ano papers ba ibinigay sa inyo,,sayng nmn pambili ko nlng sana ng bigas yun

  144. dea mae says:

    nagamit nyo ba ung dental card nyo . totoo bang you can use it anytime . hayys ..
    ang sama nila :(

  145. jazher provido says:

    hahaha,,,d nila ako nalloko…ako pa nga may kinuha sa kanila,,,logi sila haha

  146. asd says:

    i think their business is legit, their method is legit, the endowment is legit. The one we all hate is the way they market their product because they are very insistent. as in hindi ka pakakawalan at ikaw pa magmumukhang masama pag kumawala ka.

  147. Ruth says:

    anybody able to refund their LABB plus payment from them? I just got victimized by these scammers yesterday

  148. Ruth says:

    I just sent a message to Imbestigador regarding this. I also them sent a link to this page. Hopefully they’ll look into it and help us get our money back.

  149. kiel says:

    ako na ata pinaka new n n scam Sept. 23, 2013 napadaan lng aq sa Megamall with my sister and to push them away sinabe q my CC na ako then same dn sinabe my free and and raffle + 45 mins talk about ng company after 3 hrs hinde padin kmi tapos ayaw q na pumayag pero pinalibutan ako ng mga kasama nila. sa takot q at sa kagustuhan mka labas i paid 4.5K for that LABB thing. sabi ko my insurance na ko so i dont need na pero they push me. bumalik ako to Cancel the transaction pero hinde nadaw pde ksi my pinirmahan and my Video pa n kinuha n confirmation n na intindihan ko. :(

  150. ryanryan says:

    alam ko na simula pa lang na scam eto! pero higit salamat sa blog na ito at mas napatunayan ko. pareho and modus na ginawa saken at sa katunayan sa october 4 kukunin ko na sa may opisina nila ang nasabing premyo, dun daw sa may malapit sa rob curiosity and being “matanong” really saves my money and time! thank you guys!

  151. Ben says:

    I just received a message from 09359946735 and the message says:

    Good day!
    This is Shirley Navarro from Phil. Prudential Life claiming area. You are entitled of Exclusive Rewards & Privileges all for FREE. All you need to do is to Claim and Validate it today @ EBT, Makati Branch. For your claiming C0DE, you may call our office fr0m 9:00am to 6:00pm at 755-1532 (local-3024) upon receipt of this message. Many thanks & God Bless.

    This is also one of their tactics to let people or public fall into their scam. BEWARE!

  152. wais ako says:

    kapal ng mukha nitong philippine prudential n to! i went with my son sa mall to buy case for his tablet then we decided n kumain ng hnap kmi ng mkakainan isang babae ng approach skin desente tignan una ignore ko then s sweet smile nya npa oo nya ako sv nya wla nman dw bbyaran at may chance p dw ako to win trip to thailand for 2 and brand new honda city then after that ask nya kung may cc ako checkbook or atm ( ayun pla pra mka denggoy cla ng pera syo later)so i said meron akong atm check nya p then sv nya d2 po tyo pra m claim nyo ung pillow nyo sumama kmi ng anak ko then pinacheck nya skin ung atm ko to validate kung active s atm machine (kung meron ngang laman)then ngpunta kmi s opis nla may flat screen mga nka tie cla desente english speaking.then pnpsok s loob kinausap about s life s dreams mo pliwanag n 900k mgiging 1.5m bibigyan k ng water or ice tea pfifill upan syo ung form about urself prepresyuhan kung magkano pede mong ibigay s knla hahahah then ppafillupan syo ung papel n pedeng i charge s atm mo ung plan n sapilitan nilang inaalok mga craulo db?(hinawakan ko kaagad ung atm ko at id ko) ung anak ko naiinip kada daldal ng babae gnwa ng ksamahan nya nilibang kinausap ppsamahin p ung anak ko to play s arcade ang bilis nila mgsalita n mpapa oo k n lng.nung cnv ko n pag iisipan ko p isang lalki ang lumpit s table nmin kc tumayo n ako pra mg walk out pina upo ulit ako at sv n wla nman mwawala syo pnkita p mga ibang plan holders at cnsv p kung mgkano ung binigay nila then sv ko pg iicpn ko muna sv nila isang beses lng dw un kc ayun lng ung slot ko hahahaha d n dw ako pede bukas. pwersahan ???? d nla ako nauto ayun n nga lng pera ko s atm kukuhain p nla besides sv nung unang smiling pwet n babae skin wlang perang involve tpos in the end pwepwersahin k kumuha ng insurance nla n keso dw d cla manloloko dhil nsa sm daw cla hahahaha 45mins. nging 2hrs!!! pglbas nmin ng anak ko sarado n lhat ung iba nagsasara na wla n kmi mkainan ang ending kumain kmi s labas ng sm galit n galit ang anak ko sana daw bumili n lng kmi ng unan n tig 50 pesos hahaha so yngat kyo ha pag may perang involve takbo n kyo hahahaha it means scammer cla

  153. James says:

    May tumawag po sa akin knina,ikiclaim ko daw yung prize ko sa Angeles Pampanga, Pero parang ayaw ko ng pumunta, kase nung ininterview nila ako, nakaltasan ako ng 4500, Kasi maeengganyo ka sa mga sinasabi nila, pero Dahil sa nabasa ko ito, hindi na lang ako pupunta, tnx for this Info. Palagay ko po hindi na marerefund yun,. hindi talaga ako makatulog nung naloko ako.

  154. jix says:

    kagaya mo rin ako hinarang sa sm pampanga,after few minutes of discussion, pilit nila akong pinapapunta sa atm machine just to check kung may balance pa daw ung account ko,sabi ko ayoko na, at di ko na nakuha ung mga freebies nila….now eto…tinawagan ako kanina lang at ganon din sinabi may makukuha daw ako college scholarship certificate..punta lang daw ako sa robinson mall balibago..buti na lang nagresearch muna ako kung scam nga ito, buti na lang agad ko nalaman,hindi naako pupunta sa binigay na appointment sa akin on fri…eto ang number ng kumontak sa akin knina lang (october 1, 2013)09064802647 at eto daw ang iba pang contact number nila sa Robinson Balibago (045)625-0238

  155. julie says:

    haayyyy ako today lang nabiktima sa sm southmall medyo nagtataka kasi ako sa sencerity nila so i decide to check them sa net at eto ang tumambad sa akin. i paid 27k thru my atm card. bukas i will try to go back to their office to ask for refund. sana po may mkisama sa akin mag complain. mas magiging malakas tayo kung magsasama sama. tnx.

  156. Bergs says:

    Hi..i recieved this msg yesterda saying “good day dis is ms shirley from phil prudential claiming are entitled of exclusive rewards & privileges all for free. All you need to do is to Claim and validate it on oct 2-3,2013
    @ 4th floor,BDO equitable tower,8751 Paseo de roxas makati city..for your claiming code,you mat call our office from 9am-6pm.thats the exact words..then this number 09165205365 called me after i got that msg.,the girl on the phone encouraged and forced me to claim the reward to their office buti nlan marami ako ginagawa that day thats why i promised to that girl na tom ako pupunta..,im very confused and doubtful na baka SCAN to..kaya naisip ko na isearch ang company nila trying to know kung naeexist ba ung office place nila..then i found that was true,the place and the contact number (all deatils)that i reieved was true from Phil prudential..suddenly,while searching google i found this blog site then i read all the complaint..kAya ngaun i decided not to claim that bullshit rewardScam..Ingat tau dahil UNTIL now OCt 2013 the SCAM is still existing..BEWARE of that SCAM..may God Bless Us..

  157. ngew says:

    Muntik narin ako maloko nyan prudential life,sm north annex.,.2010…sbi magppaikot lng ako ng roleta pra mnalo.tumagal ako ng 1hr mhigit.buntis o ko nun…buti di nla ako npigilan at kc nlaman nila pulis asawa ko at yun ayaw p ako paalisin,hintayin p mgr pra icancel ang papel na finill apan.pag my nagtanong s inyo “sir mam may credit card oo b kayo”wag n cla pansinin or sbhin wala…alam na..cla na un

  158. Cess Alipis says:

    Nakakalungkot yung mga ganyan. Maganda naman ang purpose ng insurance eh kaso syempre if u really want it, sa trusted and matatag na insurance company ang kuhanan natin. At yung may good track records na talagang nagbibigay ng proceeds. It’s like entrusting our money sa bank. Diba may mga nagsasarang banks din pero we still putting our money to them. Syempre idedeposit mo na lang ito kay metrobank or BPI or BDO hindi dahil 100% sure ka na hindi sila magsasara kundi dahil u r sure an matatag silang company.

    Muntik an din ako mavictim n yan sa SM Fairview. Polite naman yung batang kumausap sakin, but unfortunately and fortunately, i work with No.1 insurance company in the Philippines. I said to her na if u really wanna offer a real deal, call me. I don’t know kung ano nangyare sa kanya.

    Kainis lang na napakabagal umaksyon ng IC. Ang tagal n pala nyan. Iba pa ba yan sa Prudential Life na nagsara daw?

  159. gene says:

    may tumawag dn po sa akin,kagaya mga cnabi nila sa mga blog neo..buti nlang cnabi q sa kawork at sabi scam dw un,,kakatawa lang kc wala nman aq sinalihan promo eh..buti nlang nabasa q to agad..

    please pwede ba natin ikalat to sa facebook,or pahuli ung founder nla?para makulong po silang manloloko..

  160. Riza Gonzales says:

    Grabe last aug 2012 pa tong post but then after a year continuos pa rin ang mga panloloko at meron pa ring naloloko.. Just an hour ago i recieved a call froman agent and same kalokohan pa rin ung mga sinasabi.. Nothing new really! Buti na lang iritable sa scam ang father ko and hindi nya gusto na basta basta kami maniwala sa ganyan.. Goodness!!!

  161. Eric says:

    ang gf ko din po naloko ng scam na to.pwede pa po bang marefund ung nakuha na 4,500 sa kanya?hindi rin kc sya pinaalis hanggang mapapayag siya na kumuha ng insurance nila.mga lintek talaga ang Prudential na yan.

  162. Cielo says:

    My husband just call me and he said that we won in the Raffle Prudential Life has offer…
    Same thing po bale ang sabi maclaim daw po tomorrow sa Balibago Angeles ung prize na Scholarship at 25k Raffle Ticket,etc. Sabi ng hubby ko punta kami bukas,..and I said ok,..But having curious I search the Internet and found out this blogs!!! It really help…thank you..
    nwei if naswipe ang ATM Card, is it po?

  163. Kim says:

    tumawag cla skin kahapon nanalo daw aqu ng educational plan and wat sop ever…bute nlng meron tong blog na toh kung nde na scam na sana nila qu :”>

  164. Aisa m. says:

    Same here. Ganyan din nangyri sa akin ngayon ngayon lang. Buti na lang naiwan kapatid ko sa labas at may nakausap sya na babae na nagrereklamo din regarding sa pera na nakuha sa kanya. Buti na lang nakausap agad ng kapatid ko yung nagrereklamo at tumwag agad kapatid ko sa akin na, wag nga daw akong mag bbgay ng kahit na ano kasi scam nga daw. Nakakatawa pa ayaw nila akong palabasin. Kahit nagpupumilit na ako. Pilit nila akong tinatanong kng ano ba pumipigil sa akin para hindi mag save ng pera. Hanggang sa lumapit na sa amin yung manager. Pinipilit ako. Ang dami nilang sinasabi. Pero nagmatigas tlaga ako na hindi tlaga at hindi lahat ng bagay napag iisipan agad agad. Lalo na at savings ang usapan.

  165. Kim says:

    Ano ba magandang gawin para mairefund yung pera? Kasi i used bdo debit card, ang binayaran ko is 4850 php, kanina lan ako nagavail, damn talaga, syang yung ipon ko

  166. Yhannni says:

    Someone texted me just now from PPLIC, na nanalo daw akong award and saka ako nagsearch about them. I’m happy to think twice in everything. Thanks for this thread. :)

  167. Kim says:

    Guys! Please help me, last oct 22, 2013 ako nabiktima, ang inavail sakin yun labb plus worth 4850, kanina po nagpasa na po ako ng cancellation letter po sa office nila sa SM Southmall pero di nila tinanggap kasi ayaw nila ang reason ko at di sila convinced, what will i do? kailangan ko na marefund yung money ko dun

  168. jeth says:

    I have experienced the same also when just after i shopped in fairview.I was convinced by a guy named aldrin.ksama q nun ung former member q sa smin saglit lng kya khit nag mamadali kmi eh pumayag kmi.may makukuha dw aqng give away.punta dw kmi s office nila para makuha q ung give away pero d nagtagal, hbang naglalakad kmi towards their office he told,i would have to attend 45 mins. presentation.dhil polite aq i went through wd him.nakakabwisit kc d aq nagdahilan ng nagdahilan pero buti nlang ung kasama q na naghihintay s labas ng office hinatak n aq.nakaka more than 20 mins plang aq at sa pag alis q sbi q paki terminate nlng ung application.may isa s kanila ang tumango skin.wala aq sapat n dahilan pra magalit s kanila kc d p naman aq nkarating s process kung saan papapipiliin aq nun plan if in case na naabutan q un habang s katagalan ng pag stay q then i wont let any amount of my money out from savings kaya nga q nag iipon pra makapag aral atsaka kaka deposit q lng kaya nun time na yan s saka kung skali sa mga ganyang usapin ayaw q mag involve whether true or not or beneficial or not.nag search lang aq ngaun kc there’s a part of me ng pagdududa n bka makuha prin nla ung pera s anumang paraan pero nung nabasa q ung ilan sa inyo na nakaranas ng nakahinga aq ng maluwag.I do trust God that he wont let bad things happen to me.I do have a good intention for my future wd my family and others too. alam u galit n galit aq s aldrin n un kc sinungaling sya sbi nya sndali d nman pla.i hate liar the most. I do hope such of these people will soon realize what they’re still doing.

  169. Manny Velasco says:

    I got a similar text from a certain individual named Mr. Fred ( God knows what his last name is). Saying the same thing on the start of the text message ‘ FINAL NOTICE’…. it sounded like a scam. Like what you said, how would be it be the ‘final notice’ if its the first time you received the text? So I ignored it. After about an hour I received a call from the same individual trying to confirm me to come to their office and gave me a ‘Claim CODE’ , how reassuring isn’t it? I gave them a promise to come the next day. But that hasn’t happened yet. I’m just wondering what they’ll do if I don’t show up. I’ll play their game and wait what else they would pitch in. Maybe the kitchen sink.

  170. Euqinom says:

    Me too. I was scammed!! Can we get our money back? Hoooow? ohmy!

  171. cristina says:

    Thanks sa mga information n nklagay dito its a big help sa mga magiging victim ng PRUdential LIfe insurance na yan just today nakareceive ang husband ko ng txt from Ms. ANN DY at tumawag pa sabi niya sa asawa ko nanalo daw ang asawa ko sa raffle di man daw nakuha ang grand prize nakuha naman daw ang consolation prize na Insurance daw covered until 60 yr old n siya at my Gift certificate daw na makukuha we are living in Laguna and their office are in Manila Raffles Corporate Center, near Megamall sabi nila if makakapunta daw ngaun ang asawa ko sabi ng husband ko bka bukas daw, ako naman syempre as ko asawa ko bkt ka nanalo nag fill up ka ba ng form sa kung saan ang sagot niya oo nagfill up daw siya kasi nakita niya sa Starmall EDSA Shaw my display n Car daw at un daw ang grand prize kapag nagfill up ng raffle since mahilig sa Car ang asawa ko nagfill up siya kaya un pinakita niya sakin ung papel n binigay sa kanya pag nanalo Trip to some Place abroad ang nakalagay and if maswerte din Car ang mapapanalunan, after that mejo isip ako kung scam or hindi balak n talga namin umalis bukas pupunta kami pero since im working online nagtry ako magsurf sa internet for reviews about them heto nga nakita ko ang site na ito and i am so thankful nakita ko mga post nio now i am sure SCAM nga sila, imagine kung natuloy kami nag-aksaya lang kami ng time ang money para lang maloko salamat sa INYO…..

  172. dol says:

    09205839436 09497117507..e2 po ba yung no. n ginamit nila kasi it0 ung pinangtxt nila at sabi hanapin ko daw yung chiminh dela cruz.. ortigas rewards daw..den pinapapunta ako sa 22n floor raffles corporate center emerald avenue sa ortigas,,can you tell me if this is realy a scam…thnx

  173. Jhayvee says:

    ganyan di po nangyari samen ng mama ko… na-experience po namin nyan nito lang Nov.2 2013…. Sobrang kagaguhan nila….balak ko nga pong abangan yung humarang samen sa SM Pampanga..malapit lang kasih yung barngay nila sa amin…Ay grabe sobrang nakakagigil…

  174. vynch says:

    katatawag lng skin knina, nanalo daw ako ng insurance plan at scholarship..pinpu2nta a ko sa ortigas..buti nabsa ko blog na to…

  175. Jei says:

    Napa avail din po ako ng labb plus nila for 4500 just yesterday sa sm mega. Hays. Buti di ko ginamit cc ko. Pero niswipe naman nila yung atm. May mga nakaltasan na po ba sa after ng initial na 4,500? >_<

  176. nummy says:

    fuck this shit i got fooled just today. 3hours nila ako kinonvince ang sabi din nila tulad ng mga sinabi sainyo… pilitan din. gang sa naconvince ako kc ayaw ako paalisin. what am i going to do now…..

  177. A says:

    Nasa SM Southmall Las Pinas ako kanina, nag papalamig dahil sobrang init ng panahon and then I was going to Book sale ng may lalaki na tumigil sakin asking if I have a credit card, blah blah blah, I just ignored him and continued walking but he was persistent and kept on saying “ate pansinin mo naman ako” “ate pansinin mo naman ang bakla” so I said what the hell just to be polite. And then I finally filled up their raffle promo and the agent gave me some sales talk and that I don’t even remember because frankly I don’t give a crap about it. And then repeatedly asked me about my age, my credit card, the amount that I have on my Savings Account, etc. He even asked if I was a virgin! Like what the hell? Anyway he then proceeded to ask if I wanted a tumbler, gym bag, a wall clock or a pillow. So I said I wanted a tumbler. So then he told me to come to their main office to get the tumbler. Then he showed me that there was supposed to be a 45 minute presentation in which I told him I will not participate in. He then told me that I don’t have to as long as I tell the receptionist in their office that the agent has briefed me about their company, if I agreed to participate on the 45 min presentation, etc. Then they asked me for my ID (I gave them my driver’s license) and my credit card. They even asked me to go to the nearest ATM booth and get a printed balance of my ATM as proof! Anyway after the agent thanked me multiple times, I thought I could go since I’ve already filled up their raffle and talked to their receptionist. I didn’t even care about the tumbler. But my agent told me I couldn’t go yet since they were double checking my name and if I’m qualified for the contest. Then a few minutes later, another agent approached me and told me she will be briefing me about Philippine Prudential. So I was like “holy shit” I thought the gay agent told me I didn’t have to go through this 45 min presentation. I was already regretting being polite to the agent that persuaded me. So the agent Sarah told me to sit down. Right away we were served with iced tea and Sarah proceeded to give me sales talk about their insurance/invesment plan.

    Long story short, after 30 mins I decided that enough was enough and told them I have to go but Sarah was so persistent but I said no. Sarah even told me to wait for a “proper exit” but I was so angry I walked out instead. I was not fooled and I did not give a penny to those scammers. What I’m worried about is, I was stupid enough to give them my full name, my home address, birth date and my phone number. I’m scared for my safety now.

  178. ranosen says:

    nabiktima din ako ng mga to last July ata last year. worried na worried din ako dati. hindi ako makatulog. 6k nakuha sa CC ko. mabuti nalang nagsearch agad ako, at maraming blogs akong nabasa tungkol sa mga maling tactics nila para makakuha ng clients. maganda ang presentation nila pero hindi lahat dinidiscuss nila. ung negative sides nung policy hindi dinidiscuss. kaya mapapa-oo ka talaga. saka mapilit sila masyado, kaya mahirap tumanggi. anggagaling nila. mabuti nalang nabalik sakin ung 6k. :)

  179. Jossef D says:

    Salamat sa Blog na ito na nakapag bigay ng information tungkol sa PPLI.

    Totoo ba ito. kong totoo ito na oto pala ako ang tanda ko naman aging 45 nadali ako sa mga convincing approach nila, putangina ang tanga ko kasama asawa ko pagpunta sa office nila, iyong modus na binabanggit nyo ganon din ang ginawa sa amin raffle promo then presentation 45min. hanggang umabot ng ilang oras hanggang sa dulo napilitan ma convince ako nagbayad ng 28K binawas sa ATM ko for endowment. Paano na ito. Last Friday Nov. 22, 2013 nangyari sa Lim Kitkai Mall, Cagayan de Oro.

    Ma refund ko ba ito? Paano Pls. help? Salamat po sa maka pag advise at reply.

  180. james agudo says:

    hindi lang mga cliente ang njiloloko nila.pati mga agent nila kanila ring niloloko..hindi nila binibigay ng husto ang sahod kapag gusto mo na umalis sa kanila..kung mga agent nga nila niloloko pa kayo pa kaya mga cliente lang..kapag labb plus ang pinilit na ibenta sa inyo at nabasa nyu ang blog na to..magdala na kayo ng pulis..dahil hindi na nil;a ibabalik sa inyo un..

  181. Olayga says:

    Guys, i went to the office today and claimed the 2 years scholarship in Datamex, nothing much , sabi ko kasi nagmamadali ako, so di na ako sinalestalk and handed me the voucher scholarship they checked my atm and ids. literally na tinignan lang nila like 5 secs. then binalik, but I never swiped or pay anything.. so wala sila makukuha sa akin right?

    • Gally says:

      I got a phone call same na nanalo ako ng scholarship from Datamex with voucher. Pinapa punta daw ako sa office nila around BDO Equitable Bank Building in Ayala. Napakinabangan mo ba yung voucher kuno na sinasabi nila?

  182. arnel says:

    bwisit tlaga ang PPLIC n yn buti n lng hnd nila aq naloko. basta my pera n ping usapan kylangan muna mg isip wag k agad maniniwala s mga sinasabi nila. sobra tlaga nila pinipililit ang tao kht ayaw n. kawawa nmn ung babae ng interview skn s SM San Fernado Pampanga. at ngyn nanalo dw aq ng prize nila at kylangan dw m claim q agad bago mg november 30. shit cla buti n lng ng search aq ngyn kundi n papunta n nmn aq s office nila. sayang n nmn sana ang oras q.

  183. jackienishi says:

    usually sobrang di ako mapagpatol samga agents sa mall pero ewan koba pano ako nakaladkad hanggang office at nakinig sa kanila from 45minutes na sinasabi nila na diko namalayan paglabas almost 3 hours napala akong nasa loob ng office nila sabi ng brother ko :(

    please tulong tulong tayo…dati akong ofw nakapag asawa ng hapon… pero binabayaran ko ung hapon para manatili sa japan…pero hanggang ngayon wala padin ako visa…iisahan pa ako ng philippine prudential na yan…una offer nila sakin was 173000 plus sabi ko i have my money pero pang down ko sa kotche at super sorry at sabi ko pass muna ako today

    as usual sabi nila 1 day offer lang daw…hanggang sa umoo nalang ako to pay them 4500 para matapos nalang kasi wala ako boses me trangakaso ako at pinipilit nila makipagusap sakin kahit panay na ubo ko at wala na ko boses…

    pleae magkaisa tayo my number is 09291253818

    magpapasko pa naman wala silang patawad :(

  184. hani muti says:

    Nabiktima na din po ako ng mga scammer na ito. They made me issue checks kasi if not daw, tatlong agents nla mawawalan ng trabaho. that’s how desperate they are! good thing I was able to advse my bank not to encash the check I have issued kasi I cancelled the papers I signed on the nxt day right after that lecheng one-on-one. Nakakainis naloko nila ate ko, and recently pati mom ko kamuntikan na nila maloko. hiningi Atm number pati password, eto naman nanay ko inosenti de ti binigay din, but she kept on saying daw na baka scam kayo, pero inassure ng agent na hindi scam. buti nalang tnawagan ako and i told her to change password agad2 para in case lang eh di mkkuha laman ng atm.

  185. Jayar says:

    22o b to?actually ng avail aq yesterday ng endowment plan nla..s kgus2han kong mkpgsave..nkuhanan nla aq ng 25 857..after qoh mbsa 2ng blog n 2 I dcide to cancel my policy w/ nla wait for 30-45. Working days..sna mrefund un nga lng ung labb plus qoh worth 4500 so b2was nla un..hndi daw ksali un..ok lng basta mrefund ung the rest 21k…automatic cancel daw un or refund hndi n kailangan ng approval…

    • Mitch says:

      Preho tyo pls help me n refund mo ung pera mo ako kc ms mlaki p dyan 53340 sa sm north lst jan 9 2014 lng pnu mg cancel?

  186. Rheymar Fulgar says:

    isa rin ako sa mga biktima nito///.. nakiclaim pa ba sa kanila to? and hindi ba tlaga totoo to …swipe ko pa naman atm ko dun ano un mababawasan lagi laman ng atm ko?

  187. jayson uy says:

    ako din nabiktima nila buti nalng hindi kalakihan ang nai swipe saken PHP 1880 20 pesos per day daw. nanalo daw kasi ako ng scholarship tapos may kasama pa 5tickets para sa raffle ng 25.000 pesos. sa robinsons place angeles ang office na pinuntahan ko. nung nandon ako talagang nadala ako sa mga sinasabi nila para bang gayuma…. ang gago ko talaga kahit na naghinala na ako nung una kumagat parin ako. nung pag uwi ko nga naisip ko bakit pa ako nag deposit sa kanila kung no refund din naman ang perang dinepodit ko? shit nakakaasar talaga….. gusto ko tapunan ng granada office nila…. scam ba talaga////// sino ba may patunay para makasuahn na natin at ng di na magpatuloy yan at makabiktima pa ng ibang tao…..

  188. serene says:

    I’m also one of the victims sa mga mabubulaklak na salita ng isa sa mga sales agent nila. Sa SM Megamall, isa sa mga nagbibigay ng flyers na bading, akala ko kukunin lang yung freebie sa office nila, the agent even confirm na ganun lang, no selling I told her I got work to go that night. Siguro mga 3 hours kami nag usap until I gave in… Ayun 4, 500 na LABB Plus to reserve the slot daw ang nakuha sa credit card ko…

    Sana baguhin nila yung marketing tactics nila. Nawawala ang credibility ng endownment at kahit totoo yung service na inooffer nila – maraming magdodoubt na sumubok dahil sa mga ganung tactics.

    Anyway, ano nga pala yung coverage ng Dental at sino sino ang mga accredited ng doctors? Sa ganung paraan mapakinabangan. Actually, I dont need it but Im looking it in a good way.

    Francis Xavier Villanueva – God bless you. Sana hindi ka na makapambiktima.

  189. jessie says:

    sm pampanga naman ung sakin…muntikan na rin ako maloko ng scam na yan kanina…buti na lang firm ako na di ako mag aavail ng product nila kahit umabot kami 2 hrs..grabe antipatika pa ung manager tama bang sabihin na di ako marunong mag commit because nag oo ako sa ipon..yes gusto ko mag ipon pero di ako willing na magswipe ng 9200 agad agad sabay walk out ahahhaha

  190. jean says:

    naloko din kahapon mga lalaking humarang skin s sm fairview at ask nla kung may atm ako..pwd dw ako sumali s raffle at pwdeng manalo ng car at trip to macau.wala dw bayad.fill up lng dw at ihulog s box.ako naman c tanga fill up nga tapos yun pla ang lau ng box.dun pa s office nila sa baba na medyo tago.dun s tabi ng bdo.tapos nung nandun na k pinaupo nla ako ayun dami ng dinidiscuss.hanggangg inalok na k ng insurance k wala ako ganun halaga.hanggang s bumaba na 9k na lng k yung pera k my pinaglalaanan.mgkano dw b kaya k.hanggang s naging 4500.ayoko tlga.hanggang s lumapit yung isa nilang ksma ng join force cla s pang uuto skin na umabot hanggang 3 k bukas n lng d dw pwd kc one time lng dw un.dna dw pwd kc my record na nla mas maganda dw mg ipon s kanila kaysa mas malaki interest.nung pumayag na k s 4500 ayun swipe nla yung atm k.nakaltasan agad ako ng 4500.pagtapos nun iba n ang cnasabi nila.1 yr lng dw yun hindi dw un endowment kc 4500 lng kya expired dw un s 2014.bkit kelangan muna nila kaltasin ang pera bago nila explain yung ganun.gus2 k na nga pumunta kay tulfo today para mabawi pera k eh.baka ubusin nila laman ng atm k.dapat may mglakas ng loob na magreklamo.sama sama tau.

  191. jean says:

    yung friend k nga naka chat k knina naloko din pla sya.sabi nya matagal ng bankrupt yan company n yan.350k ang nawala s kanya.5 yrs nya dw un pinag ipunan at d pa rin nababalik s kanya till now.

  192. WHATTTTT says:

    how can i refund my money? they already took 10k from me last month.. pls help. im now convinced this s a scam. now i know my interviewer doesnt know the meaning of prudential..

  193. zyrylle28 says:

    victim din ako last jan. 6, 2014 s SM Southmall pareho lng din ng statement ng iba “deceptive marketing strategy” LABB plus worth 4500 after the transaction nag-research ako thru internet at nlaman ko na sobrang dami n tlaga sila nabibiktima nagpunta ako s prudential life s office nla s Ortigas para ipa-cancel ang plan for approval pa daw. inform dw nla ako if need pa ng conference sana macancel na yung LABB plus na yun at mabalik yung binayad ko

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