“Aminin ninyo na kasi, kasi kung panay ang defend mo na never nangyayari sa Family First/Danvil ng pang-ha-harass, charging to Credit Card without permission and you respect kung ayaw naming bumili ng insurance ninyo or hindi”
Yes, I admit that we have some high pressured sales tactics, which is effective by the way for people such as yourself who is or was a planholder. And I think I was already able to explain this from my previous posts, that if you really do not want the plan then why the hell are you going to give your credit card to the agent? Think..think..

“Second, are you sure nangyayari sa ibang insurance companies ang Credit Card swiping?
Don’t get us started by insisting on “Discipline Savings” crap, because sinisikil ninyo lang ang kalayaan ng tao kung kunin niya heto. Bakit? Paki ninyo ba sa buhay nila? Don’t try to show that you fucking care, in the first place, hindi ninyo naman sila kaano-ano and pera lang naman din ang habol ninyo di ba?”
I just don’t understand that being a planholder you do not know the payment options for your plan. You can pay through credit card, check, cash or automatic debit arrangement from BDO, Metrobank, Unionbank. And I do not know about the other companies if they do credit card payments. And I do not understant why you question regarding the MISSION/VISION of the company to help filipino families to have a better future, because I believe all the companies have their own goal and it just happen that this was the goal that Danvil have embedded on us.

“Mark Phillip, paano mo nga pala mai-e-explain about Family Shield, which a certain Janet Tabasco (or Tagasco) never explained to me it has no maturity benefit after investing for 10 years and nothing happens to me?”
I guess you have to check the documents that you have signed because as fas as I remember there was still a Coordinator at the time when you got the Family Shield, and he or she may have explained to you regarding this and at that time you may or may not agree with the provisions which you should have thought twice before finally agreed upon signing the papers. My question to you is what if something happens to you? Knock on wood like accidental death! And you are only paying like 350 pesos for this plan, Danvil will not question at all but give your family the million pesos that was stated in the contract. All are based in legal contract.

“Naaalala ko nung last June of 2006, pinapupunta ako ng FFI just to claim my birthday gift, raffle ticket-whatever-shit-it-is and confirm something na hindi ko maintindihan, only to find out na bebentahan lang pala ako ng Family Shield and Protector No-Claim Bonus 3 months later.
Paano na lang kung wala akong work, how could I pay my credit card?
Saan ako kukuha ng pera?
Magnanakaw ako?
You can call this thing stupid pero this is how we feel. Sinasabi ninyo di ba na sa Future Provider Plan may insurance coverage? Bakit kelangan ninyo pa rin kami alukan ng Family Shield and Protector No-Claim Bonus?”
Why did you not ask yourself before signing all the papers? If your benefit was enough or not? Or if you could still afford it or not?
“don’t think you all are no longer with Danvil (like what I’ve said a while) because if you have already left from Danvil then, there is no reason for you to defend such company like that unless you are all existing employees or…you’re definitely CRAZY!
I work with IBM-Daksh Business Process Services Inc. The account I am handling? A #1 frequent flyer program in the US… the frequent flyer program of one of the top-notch airline companies in the United States. And these companies are wayyyyyy damn reputable than your BERKELEY.”

You know what Roxy, its just simple, you are smart girl and I don’t want to judge you. I know that you have not that good experiences with Danvil or Family First, but you know what I am still proud of you being a planholder, which only mean one thing, during the sales presentation you were listening to your consultant or to who ever who made you decide to get a plan and riders from Danvil. It means that you care about your future, and your family because if not then you would have not signed all the contracts for the plan. And lastly, you are a smart girl because at the time you signed up for the plan you know and you felt that you NEED it, so don’t blame the agents, they just did their part, ikaw pa rin ang nagdecide. I just think that you felt “naloko” because not all the people invited bought the plan and you did. So, cheer up and stay cool. Just be proud that after 10-15 years you have something. Get over it!

actuali, friday ngyari un e, i called them up the following monday, after ko mkpgresearch about their company.. (nabasa ko tong page n to kya ng-init ulo ko tlg lalo). E wla daw pasok mga agents nila pag monday so tawag ako ulet tues. hinihiritan nga nila ko ng nonref daw un.. pero mkulet ako in a calm way n gusto ko n icancel ung transaction. sbe nya punta k nlng dito sa ofc nmin pg free ka.. the ff day pumunta ko sa ofc nila.. nghafday ako. so morning plng andun nko.. 11 xa dumating ntpos usapan namin 1:30 n. paulet ulet lng sbe ko gusto ko n tlg icancel, i sounded nice kc yun yung way n gusto ko masettle yung pangyayari. if in case kc n hindi ko cla mkuha sa gnun, well that’s the time na i’l seek professional help from proper authorities. sbe nya lng along the conversation n gnun nga..nonref blah blah blah.. i just stayed firm to cancel it.. in the end, nramdaman cgurong indi ako aalis s ofc nila ng walang nahihita, sbe nya nlng cge i’l see what i can do. . balik k dito kung kelan k libre ulet.. after 2 wks bumalik ako, medyo na-bc kc ko nun.. binalik ko ung documents n binigay previously (i.e policy, resibo etc) pingawa nya ko ng cancellation letter.. in-acknowledge nya by signing on it, he gave me a copy.. tpos sbe nya bblitaan nya nlng ako sa update. after one week ngtx ako sabe nya, cancelled n daw, and mbabalik n yun pera sa CC ko.. im so glad dun sa tx nya n un.. kya lng after ilang araw wla pa din ngrereflect sa credit card ko.. so ang gnawa ko para mpblis pa lalo.. nagsend ako ng dispute letter sa bangko inattach ko yung cancellation letter n signed nya.. and then yun afer few days lng nabalik n yung pera ko.. i think yun iba ang gnawa nila lumapit cla sa IC e.. check k ng other comments related s topic n to…

ask ko lang pano mo nacancel yung sayo and how long? kasi nung bumalik yung cousin ko sabi sa kanya hindi na daw pede dahil me pinapirmahan pala sa kanya na parang waiver na non-refundable yun. sabi daw sa kanya kahit san pa daw sila mapunta wala na magagawa pinsan ko dahil kumpleto papers nila. pabalik na kasi uk yung cousin ko this oct 19. hope you can reply. thanks.

ask ko lang po. kasi yung cousin ko from uk napasign up saya sa danvil yesterday. nung andun daw sya sobrang nagdadoubt na sya kasi ayaw nya rin gamitin yung credit card nya pero at the same time medyo naeengganyo sya nung mga sinasabing benefits. when i asked her how much kinuha sa kanyang initial, hindi nya sure basta sabi daw sa kanya monthly installment yun na hindi mabigat for her. Nung tinanong ko sa kanya yung receipt, she showed it to me and we found out na 196,000 pesos plus yung kinuha.dun pa lang nya nalaman yun. sobrang problemado sya ngayon kasi extension lang yung credit card nya nung husband nya from uk and for sure magagalit sa kanya yun. this afternoon po babalik daw sya dun sa danvil sa north edsa kasi dun sya kumuha para macancel yung account since nakapending pa naman sa credit card charge nya. magagrant po kaya yun? sana po makareply kayo kasi hindi po talaga biro yung amount na nicharge sa kanya. Thank you so much.

And to their defenders, don’t call those who have been victims na nagrereklamo na tanga or stupid kasi misleading talaga ang strategies nyo.Sabi nyo kasi wala kayong ibenebenta, walang involve na pera endorsement lang eh what do you call sa ginagawa nyo?For me nightmare yung experience na yun sana sana wala ng ma-victim.