A Filipina Mom Blogger

It pulled its punches. Way too much for my tastes, in fact.

Marcelles last blog post..Probe Team. Danvil Plans. It’s On Nao!

I think a little exposure of their high pressure strategy is a start. Their tactics should stop.

I live near megamall and when one time one of them touched me, I made gesture (a slicing wave in the air) and they stopped bothering me ever since. Yes, they actually touch you sometimes.

BrianBs last blog post..PwnageTool 2.0 Jailbreaks iPhone 3G but no Unlock

Annyeong Haseyo! It’s such a pleasure to visit this site.

I am roxy, one of those who were interviewed by probe. despite my choppy statements, i am still sure of myself that i was there to vent my anger and dissatisfaction, not to earn money or just whore out myself.

anyway, I would like to share my article I wrote in my blog at http://condessaroxy.multiply.com

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I’ve been reading blogs related to Danvil Plans and victims’ rants against the same company. Surely, if there are rants, there will always be defenders of that Insurance company who, all of them, are so defensive and way too uncouth and conceited than what they accuse to those venting their sentiments and angst against danvil.

One big example is Mark Phillip Banaag who claims to be an ex-Danvil employee and now works in Abu Dhabi UAE. If you’ll gonna check his comments at Diane’s blog and Blisteredfate’s Danvil article, you can see not only he is defensive but arrogant and utterly ridiculous as well.

Here’s a thing: if you have already shipped out from a company like Danvil then there is nothing to defend about. Is it your obligation to defend the company you left? If you still insist that you have left Danvil and you keep on defending Danvil to the point of bashing/trash talking at those who vent their sentiments, something is wrong with you.

Something is smelling fishy about your rationale.

Do you Danvil people know how to handle irate customers? If you know how to handle irate customers and their comments posted in blogs then you should know how to concede and explaining everything about company without making us feel we’re totally morons. The moment that you’ve counter-attacked these people is an utter manifestation of how rabid and incapacitated you are when it comes to handling customers.

We victims of Danvil are customers, and CUSTOMERS ARE ALWAYS RIGHT. We ain’t so dolt enough to rant like crazy without valid reason. We were being doped by your motherfucking agents, and that’s UTTER DISSATISFACTION.

I don’t want to brag this matter. I am also workin’ in a Customer Service oriented industry too. I am a Customer Care Specialist at IBM-Daksh, handling a FREQUENT FLYER PROGRAM line-of-business of a MAJOR AIRLINE ACCOUNT…. which is way fucking famous than your ever-bragged BERKLEY INTERNATIONAL PLANS. You will never see us bashing American customers when they vent their anger to us. We may raise our voice sometimes, but we never made ourselves defensive, especially when we face some harsher situation like racism and profanity uttered by our customers. Mas grabe pa ngang i-handle ang mga amerikano because mas grabe silang manlait, personalan pa nga ang tira, and the moment na matagal kayo, babagsakan na lang kayo ng telepono. Makwenta pa ang mga iyan.

Kung inaakala ninyo na mababait and cool kausap ang mga Amerikano, iba na ang usapan kung transactions over the phone na ang usapan. Another thing, they are not like giving enough time to entertain some friggin’ sales talks be it on phone and in person.

You should be thankful that you encounter Pinoy customers most of the time. Don’t ever brag to me that you also encounter foreigners—particularly Americans and do the same thing like you do to Pinoys. Hahahahha! Subukan ninyo lang magbenta sa mga Kano/ Chinese/ Indians/ Arabs kung hindi kayo saktan ng mga iyan, lalo na when they feel na natatagalan sila (and naloloko at the same time) tapos haharangan ninyo pa to the tune of “Be professional Sir/Ma’am! Hindi pa ako tapos”.

Hahahahahhaha! How deplorably cheap????

Kami? Though nasa inbound kami pero kung bagsakan kami ng phone kasi tatanga-tanga rin ang kano wala lang sa amin iyon. Kung tarayan kami we make sure we don’t interrupt kasi kabastusan iyon on our part. Kung illogical na sila and insulting at the same time, that’s the time na makakapag-taray na rin kami minsan man lang sa buhay namin.

Also, have you been into an outbound Call Center? Contrary to your daily activities at SM Malls, you can’t just puke your guts by dialing their numbers and voila! Sales Talk. You have to go thru what we call as “gatekeepers”. Kung pinag-usapan ninyo let’s say 5 minutes, go with 5 minutes—whether you would be able to close a deal or not—-because you’d be wasting their friggin’ time if you go beyond 5 minutes just to be able to close a deal aside from making misleading sales talks.

It’s just a matter of consideration. So if a customer is not interested or otherwise, respect them. After all, they are customers. So don’t just view them as MONEY, view your customers as HUMANS & INVESTORS who will always doubt the credibility of Danvil and will always complain at any rate.

To Mark Phillip Banaag:

Are you damn sure it takes 30-45 minutes of sales talk and processing? In my case, I’ve undergone 3 sales talks about 3 different plans for 3 separate months and always reaching about 45. Sometimes, it’s 2-5 hours. My first was 5 hours. Mag-2-2pm na ako nung napadaan sa FFI (that time, March 2006) nung harangin ako bigla ng mga agent na nakatambay sa harap ng FFI office. Akala ko 30-45 minutes pero aabutin lang ako ng 2-5 hours, china-chansingan pa ako ng lalaking sales councelor na feeling niya makakadiskarte siya sa akin (Potah siya!). No hitting below the belt on this matter, pero I was about to back out pero bigla siyang nagtawag ng iba pang agent para mapilit ako. Alam ninyo nun? May pupuntahan ako nun pero you’ve never been considerate. 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, dapat nangyayari sa amin ang dine-defend mo. Kaso, hindi eh. We have experienced utter dissatisfaction from your colleagues and you just conceal the shit on them.

In our frequent flyer program of a major airline account? We just apologize without making our customers feel like they’re bozos.

Second, are you sure nangyayari sa ibang insurance companies ang Credit Card swiping? I have visited Phil-Am life but hindi sila ganun ka mapilit and kapag magse-salestalk, hindi sila agad kukuha ng Credit Card. If you decided to go for their plans, you are way sure that you won’t feel guilty and bad because a certain amount was deducted from your credit card. You have the option to pay thru cash, check, debit or credit card to their respective payment centers, samantalang purely Credit Card ang sa inyo, wala pa kayong tinatawag na payment centers na malapit for your customers.

Don’t ever brag kung reputable ang company ninyo. Also, are you sure that you are endorsed by ABS-CBN or GMA? In your dream, man! A particular documentary show of ABS-CBN will now investigate how credible you are. Phil-Am Life has been standing in the industry for years now, and still untarnished up to now and always been award-winning insurance company, including SuperBrands Asia. Their plans? Mas maraming benefits na makukuha sa insurance nila than your insurance and pre-need plans. Whatever you invest, you weren’t suppressed to withdraw it whenever you need it or some other reasons. 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?

It’s good to help others, pero hanggang dun na. It’s up to them if you accept your “help” or not. Anyways, you ain’t helping, contrary to your delusions.

I can still remember when the last time I visited Danvil. I was there just to get my receipts and statement of accounts, which Danvil/FFI no longer take time to send me those. Few minutes later, I saw a woman entered into the premises and unhappily looked for a sales counselor. I overheared her by telling the receptionist “niloko niya ako. I’ve been asking her if that’s an insurance, sabi niya, ‘hindi’ ”. When the receptionist left just to call a certain sales counselor, I asked that lady what happened, sabi niya na niloko siya nung agent. Though she mentioned she didn’t have any time to read the documents given to her the time she left Danvil premises, she told me that when she found out it’s an insurance, she was alarmed.

Well, wala naman masama if you’ll be charged on your credit card for insurance you pay pero she was mislead by an agent. That rings my memory some two years ago. Lalaki ang agent na kausap ko and when he asked me what is Family First for me, I answered “Insurance and Pre-Need Plans?” sabi niya, “hindi po”. May mga binabanggit pa nga siyang Trust Funds etc…etc… pero is this guy know how to differentiate between Trust Fund and Future Provider Plan (actually, this is just synonymous with any pension plans since naghuhulog ka na parang nag-iipon rin tapos may interest na tutubuin)? Well, kung trust fund or any time deposit ang gawin mo, it’s better if you save that in your nearest savings and credit cooperative. No tax. No suppression. More interests earned. You are not mislead too!

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? You know what, hinayaan ninyo na lang sana ako sa Future Provider Plan because hindi na bale na lang cheap kesa naman wala akong makukuha after 10 years. If you’ll be selling insurance, make sure na beneficial talaga ito sa planholder, hindi yung mapupunta sa wala ang pinaghirapan niyang pera. 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. Nakaltasan na nga ako, skyrocketing na ang bill ko ngayon sa credit card, misled pa nga ako because nalaman ko nung bentahan ako ng PNCB wala akong makukuha sa Family Shield kaya napilitan akong bumili ng PNCB. Worst, they never considered kung ano na ang kinikita ko that time. Just because I have credit card feeling nila mayaman ako and can afford anything. Are these ladies who sold me FS and PNCB knew the purpose of Credit Card and the pros and cons of it? You can assign a 6-grand charged to your credit card to a PayLite system, but there is no guarantee that your amount due will go smaller. As long as the charges on your credit card is spontaneous and you resort to paying just only the minimum amount due kasi hindi mo na kaya, your total amount due will skyrocket. Has these ladies haven’t realized it, bobolahin pa ako about sa function ng credit card.

Nakapagpundar na raw ng TV or appliance o! I may lack experience and knowledge about Credit Cards but if you truly know the pros and cons of Credit Cards, you shouldn’t have encouraged your customers to use credit cards and charge the initial deposits amounting to 6-grand then assign it on a PayLite system. PayLite has no guarantee na magpapagaan ng pagbabayad mo kasi kung spontaneous ang charge and minimum amount due lang ang nabayaran mo, lalaki pa ang babayaran mo the next month.

Pakisermonan din ang mga agent na nagbenta sa akin to consider naman kung ano ang kinikita ko that time. Nung binentahan ako ng Future Provider Plan, wala pa akong work nung time na iyon because I’ve just resigned from Innovatronix Inc. 3 months prior to FFI sales talk last 2 summers ago.

Paano na lang kung wala akong work, how could I pay my credit card?

Saan ako kukuha ng pera?

Magnanakaw ako?

Fuck You all!

Also, bakit nga pala kayo nagtatanong kung may Credit Card nga ba kami the moment you approach us?

No matter what your reasons are, you shouldn’t be asking things like that. First off, super private ang usapang Credit Card. Kami nga sa Frequent Flyer Program customer service namin, hindi kami basta nag-a-ask ng credit card kung walang desididong mag-engage sa promo namin and hindi naming tinatago ang credit card accout numbers. Binubura namin after we jot down those numbers and certain transactions. Lastly, as much as possible, we ensure that we will not commit any wrong registration or transaction because delikado na ang usapan kung credit card. Kahit may mga promos na non-refundable, kapag wrong transaction, refund talaga iyan and mas mabilis ang refunding process.

At Philam Plans, hindi ako tatanungin agad kung may Credit Card ba kami right after stepping into their premises. They don’t try to pressure you to grab the so-called opportunity tapos sasabihing once-in-a-lifetime opportunity because sa susunod wala na ito chenelyn.

Bakit? Wala na bang insurance or pre-need products na mapo-produce to fit the needs of customers? Hahahha!

And I found the statements of the above-mentioned ladies “Mayaman na si Ma’am Roxy*” super ludicrous.

Oh yeah! Mayaman ang taong nasa paligid ko pero HINDI AKO!

Are you dolts waiting for me to die? Ang bata ko pa! I’m only 26 (the time I was forced to buy was 24 years old then) and NEVER AIMED MYSELF TO DIE JUST TO GIVE MY FAMILY A FUCKING GOOD LIFE. Feeling ko tuloy mga nagsisilbi kayong mga sumpa sa amin because sa mga testimonials na binibigay kuno ng mga beneficiaries ng planholders ninyo once they have their plans from you namamatay nga ang mga planholders.

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?

No matter what you say, you still end up with this one main agenda: to milk up on the existing planholders.

Paano ninyo rin maie-explain about your non-engaging with TV advertisements and any other forms of media? You can never claim to me now na you are focusing on never-ending “helping” and “charity” with millions of Filipinos, so as flaunting about William Berkley’s mission to help Filipinos.

When I’ve told my younger sister about your non-engaging with TV ads, she told “I don’t think mas questionable ka kung magpapa-TV ads ka. Kapag nagpa-TV ad ka meaning to say that your company is stable and you’ve got lots of money for those, though not all insurance companies are like that.”

Hindi ninyo na mai-de-defend sa amin ang so-called truth about your company, because nakikita talaga namin is negative, and ang mga taong hindi nakakakita ng negativity ninyo is mga TANGA and still keep on being sooo positive and to defending with Danvil. Naranasan naming ma-harass, magoyo, ma-mob ng mga agents, ma-mislead ng kanilang sales talk (misinformed, so to speak), na-manyak, and pagmamaganda ng mga agent kung kami magparamdam ng dissatisfaction, tapos kayong mga luka-luka kayo sa Danvil pilit pinagtatakpan ang nagawa ng kapwa ninyo.

Phillip, together with your fellow ex-agents Shakira, Rainlou and Kelai…

I 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!

If you have left Danvil, then there must be some reasons and not just for greener pastures. Another thing, why should you take time defending Danvil and bashing at its detractors when you are already OUT from DANVIL for years now. Ang “bongga” na ng work ninyo sa present companies ninyo, so why take time defending Danvil? Kung si Valerie Concepcion or Ai Ai delas Alas or any other artistas making “ober da bakod” from one network to another never took time to defend their previous networks ano pa kayong mga taga-kulit lang diyan sa mga SM Malls?

Lastly, you can never flaunt on us how profound your careers are. Actually, even if you’re a president of a top-notch company, but when you see yourself bashing at the detractors of your company to the point of declaring “wala kaming panahong i-entertain ang mga 10-grand peso earners na gaya ninyo” it’s an utter manifestation that YOU ARE NOT FOR CUSTOMER SERVICE! Ang sabihan ninyo pang tanga ang mga dissatisfied planholder ninyo also manifests na namemera lang naman kayo.

Well…well…well… we may not hundred-grand earners but we don’t have an attitude of stooping down to the level of morons by simply trashtalking to whom you consider poor dimwits. In the first place, if you are a truly professional, hindi kayo defend galore sa Danvil, ayt? Kung may mga offensive na comment sa Danvil, karapatan ng customer iyan because THEY ARE CUSTOMERS. They’ve got the right to vent their sentiments and angst. You don’t have the right. Customers ba kayo? Even if you’re no longer Danvil Employee, wala kayong karapatang makipag-bash sa mga ranting customers like us.

Kung mga professionals pala kayo, then why haven’t you realized na dinudungisan ninyo pala ang name ng Danvil by simply bashing with pissed-off victims? Kung tanga pala kami, mas TANGA KAYO because hindi ninyo alam karay-karay ninyo ang Danvil as you bash anyone who felt victimized by Danvil and its agents’ arrogance.

Don’t get us started by accusing us we are finding our ways not to save. Pucha! Of course we’ve got lots of options to save BUT NOT TO YOUR COMPANY. Hindi ninyo maipamumukha sa amin na Trust Fund ang Future Provider Plan. You are NOT A SAVINGS BANK! YOU ARE JUST A MERE INSURANCE COMPANY! SO DON’T FLAUNT ANYTHING ABOUT SAVING AND SAVING AND SAVING.

Another thing for Phillip, how could you justify that what your fellow fags Shakira and Rainlou voiced out as “opinions”? Sa amin ba hindi OPINION? Let me tell this to you: all of you ain’t raising opinions. You are just mere trashtalking on us for the sake of that dopey Danvil. You can no longer flaunt anything about mass hysteria because noong Family First pa iyan, dami-daming issues na kinaharap niyan. Kung hindi ninyo pala tino-tolerate na mag-charge sa Credit Card without authorization then bakit patuloy pa rin nagta-trabaho sa FFI ang mga empleyadong iyon, pinagtatanggol ninyo pa!? Mga ibang ahente mob galore sa mga nag-o-object.

You can never advice us na maging “firm” kami when objecting. Knowing your company, I don’t think no matter firm we are, hindi uubra sa inyo. Kapag kami naging irate, kami pa ang lalabas na walang pinag-aralan. Mina-mob ninyo pa kami.

How could you explain these:

Bakit panay ang palit ng pangalan ng company ninyo? Prior to Danvil, it was supposed to be First Financials after Family First, then biglang Danvil since April 2008. That has never happened to any insurance company, not even Pacific Plans, CAP, and even Platinum Plans. You may flaunt that your funds are now amounting to gajillions of Pesos or Dollars, but it’s still not a sure determiner of company’s stability and credibility?

Second, bakit naki-joint venture pa kayo sa Prudential Life and the latter assumed all its life insurance plans? What’s the scene behind Danvil’s transfer of Pre-Need portfolio to Legacy Consolidated Plans? Whenever I ask any of your people, they keep on saying “Ang kagandahan naman nito po is, kahit ma-transfer, walang mababago sa kontrata ninyo”. They couldn’t even explain the MAIN ISSUE for transferring.

Third, is your company REALLY REPUTABLE in the U.S.? Kung reputable and company ninyo sa US, bakit mukha kayong mga “unheard-of”? Hindi ko nga nakikita background ninyo kahit sa Wikipedia man lang eh. No matter how you flaunt that your company belongs to Fortune 500, it’s still no guarantee since how come na ganun kayo pero tina-transfer ninyo na pala ang pre-need plan sa Legacy? Dinaan niyo lang sa pambobola para mapaniwala kaming super-power insurance ang Berkley. Kaya kapag sa Pinas, bakit puro Pinoy ang nabebentahan ninyo, hindi mga Kano?

You can no longer insist you are helping. In fact, nakatulong ba sa family ko ang plans ninyo? My mom and dad is now questioning the credibility of your company. My dad is now a planholder of PhilAm plans and alam ninyo ba kung magkano makukuha niya after 10 years since nag-last pay siya noong 2006? P1Million! Samantalang ako, kung hindi ko i-li-leave ng another 5 years hindi aabot ng more or less 500grand. Katiting lang ang makukuha ko. Kelangan ko pang mamatay para may makuha ang parents ko? Duh! They ain’t waiting for that to happen. After all, kapag nadale ako, sino lalapitan ng parents ko sa Danvil para mag-claim? There is no definite agent dahil iba-iba ang nagbenta sa akin ng 3 plans. When they’ve checked the certificates, bakit Xerox? And sobrang complicated intindihin ng plan ninyo when my mom read it. Masyadong flowery, hindi na siya understandable. Tapos, 3 klase pa ng plan.

Don’t get me started by calling my mom stupid. My mom has worked for an insurance company for a decade before deciding to resign. She was supposed to be an authorized agent of Pacific Plans, so she already knew what insurances are, alongside its stability. Kaya after she found out about the transferring of Danvil Pre-need Portfolio to Legacy Consolidated Plans, she went frantic. Iniisip niya, doon pa lang, it determines how instable Danvil is, right? Hindi nga niya kilala ang company ninyo.

If you still insist that we are still stupid, cretin, bozo, mentally ill, then go ahead. After all, sino ang masisira? Kami ba? Sorry, we’ve got lots of friends and fellows who can empathize with us, and I have a colleague whose friends were doped by the Danvil feel-ers!

No matter how you bash me, here’s one more thing: Eh ano? Kung makipagputulan ako sa inyo, so what? Kayo lang ba ang ONLY INSURANCE PROVIDER IN THE P.I.? Sorry there are lots of insurance companies that ain’t suppressive, manipulative and absolutely gives you the freedom. They’ve got insurance and pre-need offers that is way better than YOUR INSURANCE.

Actually, after signing up with the new company I work with, they’ve provided me PhilAm group insurance and MaxiCare….right after passing my PROCESS TRAINING and CERTIFICATION.

Lastly, have I told you this before? If you wouldn’t mind asking what company I work with?

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.

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I have seen the PROBE interview. I was pleased to see myself, as well as sharing my utter dissatisfaction with people. I ain’t aiming to admire me whatever.

Roxys last blog post..Please Danvil-ers… ENOUGH OF YOUR POSING AND PRETENDING. GET REAL, Y’ALL!

@BrianB- I tell them off “NO” and then if they still insist, I become bitchy

@roxie- Congrats for appearing on TV. Danvil Plans and other similar companies using the same high pressure tactics should not be allowed to operate.

this kind of harassment being done by family first has been going on for quite some time already, i was still in the insurance industry ganyan na sila, ano kaya ang problema ng Insurance Commission at di nila mapatigil ang ganitong marketing scam? even with SEC. something is definitely wrong.

last time we were in megamall, their gimmick was a brand new car will be given just for scratching a code or something. curiosly, we asked them what’s the catch? sabi nila “wala po”, nung pinagtawanan lang namin na napaka-imposible at hindi logical na walang babayaran, inirapan pa kami. ha! dapat kasi binabastos ang mga ahente nyan eh!

zherwins last blog post..scam!

i made a post in the older entry to clarify some things…i used to be part of teh stat up team of Berkley internationl Life company….BErkley Life and Plans were formed via the partnership of W(illiam ) Berkley who owned a top ranked non-life firm in the US and Northwestern mutual, a Fortune top 500 company in the US….Family First is a marketing arm which sold the pre-need products… Berkley and Family First had different set of officers and staff and they operated autonomously…Berkley was purely Filipino-run, while FAmily First was run by Kiwi/Australian (?) expats…it was disappointing cos even tho Berkley was supposed to be the mother Company all the Family First officers and staff earned higher salaries and benefits than us…they were in a better office and the expats were billeted in hotels
Berkley had the usual agency force while Family First prided itself with their very effective sales training program andhighly productive agents…in fact, even kami sa Berkley kinukulit nila para bumili ng product na kami ang gumawa…take note, super mahal ng costing ng product nila compared sa Berkley’s..bat naman kami kukuha sa kanila!

despite all the complaints they were getting, mayabang pa rin sila bec of their high sales production..and never silang naging apologetic sa high-impact kunong sales tactic nila…

by some twist of fate, when W(illiam) berkley and Northwestern pulled out their interest in the Phil, the resulting merger had FAmily First as the surviving entity…ergo everything now had to be done the Family First way…kung sa Berkley was parang one big happy family …ibang iba ang culture dun.., …when the fiasco about the alleged rigging of the raffle promo came out, the expats in charge were just reassigned to other countries and let the FIlipinos handle their mess
i left when the merger was finalized… simply put, i wanted to work for a company that i can be proud of..

word of advice :regardless of how kulit and nasty they can be, just ignore them pag nakasalubong nyo sila…kung nakumbinse naman kayo na sumama sa office nila…and you want to get out..just insist on leaving and maghysterical kayo kung ayaw kayo paalisin…and never never ever under any circumstances give out your ATM/credit card… kasi may alas sila nun na inabot nyo naman sa kanila at hindi nila forcibly kinuha sa wallet nyo…

when my parents attended the sales talk without my knowledge napasugod ako …sabi ko ako na lang magbibigay sa knila nung wall clock kesa magoyo sila…tinawag pa nila nun yung expat trainor nila to stop us from leaving…even if i told him na i was working then with Berkley ayaw pa rin kami paalisin…pinagtaasan ko na lang sila ng boses to stop fooling us because i know for a fact that the product they are selling are overpriced and will not give us value later on…ayon pinaalis din kami

its so sad lang that Berkley’s name is dragged until now kahit wala na connection yung original incorporators sa sales tactics ng Danvil

buti n lng napanood ko ung s probe. Naloko ko ng mga yn nung march. 14k + ang nacharge s credit card ko. Sobrang bumalik kaagad ang galit ko. leche! verify dw ung credit card tapos ayun nacharge n! paglabas ko sa office nila feeling ko nascam tlga ako. non-refundable dw! D n kasi me nakareklamo p kasi busy n me ng umuwi s probinsya. Ngaun, luluwas me manila para asikasuhin yan. di tama ang ginagawa nila kahit anong rationalization gamitin. nanloloko sila ng tao. Sna mabalik ko p pera ko. Di ba sila nahihiya na galit ang mga customers nila? makakarma yan mga yn!

Wow! Nakasama pa sa video ung blog ng fiance ko hehehe…anyway, it is now our turn hahaha…bumabalik na ung bad things na ginawa nila sa atin hehehe…good job!

bluecrests last blog post..In times of trouble

hi pipz… please help. d na ngaun nag rerep ung danvil agent na nag email back sa akin na sabi nya pwede rw e refud ung initial payment o. sabi niya 30days ang processing raw. last rep nya nung july 17 pa. anu gagawin ko? nasa ilo2x kasi me mahal rin ang long distane sa hotline nila na wala naman sumasagot. please help…

Same din yung experience namin dyan noong april,muntik na kaming mag -give-in kasi super kulit, paulit -ulit ang sinasabi ng agent, we were just lucky that I saw a glitch in their computations so i didn’t sign. naaawa nga ako kasi ang daming nagsign-up nun na batch namin gusto ko sana ipaalam yung about sa computations nila pero ang dami kasing agents eh.Sana makakuha ng refund lahat kasi hard earned money din yun baka mapunta lang sa wala.

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.

hi ms diane,

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.

tama lang ginawa nya n binalikan nya agad.. kasi yung sakin dati hindi ko nablikan agad pero I did all that i have to do para mkuha ulet pera ko.. awa ng Diyos naibalik n sa akin.. just advise your cousin n maging firm xa sa desisyon n ipacancel yung transaction… pera nya yun and she has the sole right to decide on where and how to use it.

hi gen,

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.

hi..it happened to me last july also..i am trying to call up their hotline number but nobody answer me..i even sent email them but i did not receive any reply from them.. i am really frustrated with them..i want to get back my money, it is more than 100 thousand pesos..how can i claim it back? i am living in norway now and it is hard for me to contact them except thru telefone and emails which they never answer.

BRAVO! ROXY! Standing ovation and a round of applause to you!
Well, it’s nice to be back but I am not here to smug or insult anyone as what the moderator has been tagging me from her posts. I am here because some issues have been thrown to me which I do not want for Ms. Roxy to be disappointed if I do not answer her queries.
Well, first stop

“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!