94 days ago Tony Romo (unregistered) said:
Thought I''d share an angry pocliy holder''s letter to me (through Facebook. She''s an OFW in Dubai.QUESTION:hi! ms. jonha...read ur blog abt. phil. prudential life insurance..OMG!! gulat ako d2...juz now nlaman ko scam nilang i2..gosh! it''s been 1 yr. na din na ngde2duct cla montly premium sa credit card koh..i didn''t mind of dis because d2 ako dubai..all i thought they were true...damn shet cla kng gnun pa man...u know just last month lng they called me sbi suspended na dw card ko..sbi ko renewal n ulet kz card ko kya un i gave them CC number ko ulet pero pnagtataka ko twice clang ngdeduct for my june payment e ngdedecut nmn sila ng may payment ko eh...haist! i sent them letter of clarification sa deduction na gnwa nila pero untill now no reply cla. So i started searching other contact numbers nila..ngriring ibng numbers nila pero nobody is answering! Ms. Jonha, what i need to do?? help nman poh?? tnx! (name deleted)RESPONSE:Thanks for contacting me about this. I''m still waiting for my refund. Naku, sobrang 1 year na pala so I am not sure if they would refund it to you FULL but here''s what you can do if you want it cancelled.1. Write a Cancellation Letter 2. Submit it to the branch that lured you, or where you got your pocliy. (Since nandya ka sa Dubai, authorize someone to do it on your behalf)3. Have them receive or sign your letter, get a copy of it. (Just to have a proof that they received it)4. Request a SOA (Statement of Account) with the status: Cancelled upon inception (Importate ito para hindi na nila deductan pa)5. File a dispute or something like that to your credit card company so they will not charge you anymore.Hindi sila nagrereply kasi marami siguro silang mga complaints at charges na inaatupag.You can call their call center, bago ito, baka yung dati yung tinawagan mo?Here it is:(02) 902 2300 Let me know if nagawa mo na to so we could proceed to the next steps. Also, please share the article/blog post to your friends para naman ma warn sila. Lahat ng SM malls dito sa Pinas meron silang branches, we need to take them down!Actually ok naman sila, yung way of marketing lang talaga nila ang hindi maganda at walang assurance na maibibigay talaga nila ang pera mo when the time comes. I suggest to investing in these insurances instead:Sunlife, Insular, Manulife, AXA (I am in no way affiliated with them pero I am currently investigating and shopping around para naman ma assure ko ang retirement ko , haha ganun talaga habang bata para mas mura! haha)Wag ka nga palang pasisindak sa kanila kapag magpacancel. They''ll try to do all they can to stop you from cancelling but be firm. Show them na alam mo ginagawa mo.QUESTION:thanks for the reply ms. jonha! okei gawa ako cancellation letter den i''ll just let my brother process it jan manila. Gaano kana katagal antay ng refund mo? I read one blog din na pag more than one year kna daw na nghuhulog sa knila e pwede ka mgloan up to 80%?! is this true?! if ever man na gnun cguro okei din na gawin un den block ko nlng agad un credit card koh pra nde na cla un mkpgdeduct dbah??RESPONSE:You need to wait for like 30-45 days. I am not sure about the loan but I guess if it''s possible, do that. Pero depende yata yun kung ano kana katagal naghuhulog like for most companies, you can only loan such a huge percentage kapag ka mga 5-10 years ka ng naghuhulog. You need to AUTHORIZE your brother if sya magpaparocess for you, write an authorization letter.