yeah. i closed last week absent. since i thought i had a sore eye, moreover, i’m having a migraine too that night. i decided to take a rest and go to the doctor the next thing in the morning. saturday morning, i went to the clinic w/ my mom to get my eyes checked. i found out that i’m near-sighted. the doctor gave me his prescription to get some drops on my eye. good thing my left eye’s fixed now. anyway, after going to clinic, i’ve decided to treat my mom for lunch. we went to saisaki and had buffet. goodie angus beef i love it.
then i decided to play bingo w/ my mom since i was so full that i couldn’t walk properly. well, its my mom who actually played while i was there smoking, letting my tummy do its job. we didn’t win though, but we’ve managed to kill time.
on our way home, the supposedly happy ending for me and mom’s bonding sessions we’re cut by this lowlife who calls herself a manager and kidnapped us all the way up back to the 5th floor. the last stall in mega a. DANVIL to be exact. i’m supposed to follow maan at her classmate’s birthday party but since we were there, time’s busted. i know that there’s something wrong already and i immediately asked my mom to get the hell out of the place. but my mom didn’t follow through and by the time she went out of the place, the lowlife snatched her again. of course that includes me as well.
when we got back to the spot i made an excuse that we really have to go since i still have work to do. but the lowlife insisted. i was starting to get furious.
fuck.
wrapping up. credit card was messed, but i managed to void the transaction. now guys let me give you a warning. if you get a chance to drop by at megamall and see anyone from DANVIL. SMACK THEM. o kaya putang ina ngaratan nyo na lang.
i’m consulting the experience with one of my friends to tends to be a law student, when the time comes, i’ll see this fucking company at court. especially that fucking manager leo mallari. putang ina mo wag kang magkamaling maglakad2x mag-isa putang ina mo.
how did you cancel your payment? =(
i fell for that too … grrr
thanks for replying arachi. anyway, i’ll tell you a quick story how i got that transaction cancelled. i know you’ve been through the ‘presentation’ their babbling about and once they’ve convinced you to make a sacrifice for the money, they’ll send you out a form. but it didn’t happen to me in the first place since i’ve experienced the same issue at prudential life.
my experience at prudential life was different since when they swiped my card, it so happened that i don’t have enough money to close the transaction. so i simply told them that i should go back some other time. (of course i didn’t go back
)
i did the same thing at danvil since i know that my card was, again, depleted. but to my surprise, the card was accepted and it only takes a push of a button to close the deal. right there i told that fucking leo mallari of danvil to cancel the transaction since i’m really not interested and they’ve wasted my time already. he was trying to intimidate me with his tie and height and said that by the time i went with him to the swiper, i have confirmed that i’ll make the transaction. but hey, he was talking to my mom, not me. i simply told him, just cancel the transaction.
from there i simply saw the frustration in his face and said that, ok cancel the transaction. i was about to return to my seat when i just remembered that i still don’t have my card, i rushed back and snatched my card back. then i’m back with the consultant, already pissed and telling her to get myself and mom out of the crap’s place. then after a few minutes, fucking leo mallari approached me and handed me over a receipt.
naubusan na ko ng english, hehe. ayun na nga. sinabi nya na pumasok yung transaction, sabi ko naman: 4 tayong nandun, kitang kita ko na kinancel ung transaction, bat mo ko bibigyan ng resibo, nanggagago ka ba? pero makulit pa rin sya, sinasabi nya na pumasok na yung transaction. sinabi ko na lang sa kanya na ok, sige, hindi ko pipirmahan yan, hindi ko pinayagan na makaltasan tong pera ko. pero makulit pa rin ung hayup na manager na yun, sinabi nya na gusto nya makatulong, sabay bawi ako na: tulong? tulong ba yan? pineperwisyo nyo na ko, kanina pa dapat ako nasa bahay. pero hindi pa ren talaga nagpaawat ung hayup na mallari na yan. binibase nya pa rin ung confirmation, sinabi ko na lang sa kanya na: pare, kausap mo kanina ermats ko, card nya ba yung ginamit? ayun, hanggang sa iniwan na nya ko sa consultant nya, bastos diba?
nung mga oras na yun, galit na galit na talaga ako, sinabi ko na lang sa consultant na hindi papasok yang charge na yan. hanggang sa naisip ko na: teka, and2 ako sa loob ng room nila, andito ung mga posibleng mga maloloko nila, eh kung magskandalo na ko dito? ayun na nga. pero shempre hindi ko ginawa yun. nung bumalik yung manager, sinabi ko na lang na ibalik yung pera, pero nung mga oras na yun, malakas na yung boses ko at marami na ring nakakakita samen, dumating dun sa point na nasabihan ko yung hayup na yun na: kung gusto mo tumulong, hindi ka manghuhuthot ng pera ng walang permiso, kaya ibalik mo yung pera ko. hanggang sa nilayasan na naman ako ng manager, binigyan ako ng papel at pen, gumawa daw ako ng cancellation letter, so ako si gawa, pero sinabi ko rin na kelangan ko makakita agad ng results, or else… ayun. after kong makita ung photocopy nung document na ginawa ko, sinabay na yung pag void sa transaction.
anyway arachi, all i can say is their method of helping others financially could really help for others, pero kung pano nila ipromote ung ganung klase ng style, maling-mali, if you know other some other people who got into this mess, please let me know, nagbabalak na rin ako magdemanda sa kanila.
again, thanks for dropping by. salamat.
hello bob! i agree. their promotional tactic is way too unethical. yes it’s quite effective (as you can see i eventually signed up for it), but i just didn’t feel good after the whole “presentation” thing. I was uncomfortable and filled with regret. It was frustrating cause initially they would tell you how much they wanted to help people etc etc, and that nobody has to have huge amount to startup an investment. I thought what they were about to offer would probably be something nice and so i tried to listen to their “presentation”. After more than 2hours of sitting in that rather noisy room, I was getting annoyed and HUNGRY. I was anxious to get out of the room and was telling the agent to just get straight to the point ‘coz i need to meet up with somebody. I got tired of all his explanation and just literally NOD on to whatever it was he was saying [my bad =( ]… immediately after we got out of the room i was relieved, but very unhappy about the whole experience. so there, i tried to check on the net to see if danvil is a scam or something and found your blog.
thanks for replying arachi… anyway, as long as you have the documents with you, and provided that they promise that you’ll get your money in due time, ayos na rin. i’d say tutubo pa yun. as far as the legitimacy of th company is concerned, i’m not so sure… hopefully they are… what else? umm. pag may nakita kang mga ganitong tao ulit, lalo na yung naghatak sayo, give em a bitchslap. one more thing, how was the money taken off from you? cc? cash? kung cash naku po mejo malabo na yun, nasa kanila na eh… pero kung cc, let your cc company help you, file a complaint as soon as possible.
Hello…same as you navictim din ako ng Danvil na yan. Kahapon lang when we supposed to look for souvenirs sa Papemelroti. Sa entrance pa lang ng mega mall hinarang n kmi at dinala sa taas. Ang commitment namin is 45 mins lang pero alam mo bang 11pm na nandun pa din kami. 5pm kmi pumasok ng megamall. sobrang nainis n ako dahil nandun kmi para mgdate ng fiance ko at hindi para maabala ng mga taong ito. Sabi nila ivverify daw sa bank kung papayagan kmi so the agent accompany me to the cashier tapos tingnan daw nila kung papayag ang bank. Pero wla nman silang tinawagan n bank iswipe lang nila ung atm ko at pinaenter kung pin code. Puro kasinungalingan ung mga sinabi nila sa akin. After 11pm uwi n kmi with documents with us. After that day, ngaun lang un…i did some investigation through net at pumunta ako sa BPI to confirm n pinayagan nila akong mga apply…and sinabi nila na na-debit ung atm ko at wala silang natanggap n pera. Sabi ba nman kc eh sa bank na tinatrust ko daw dun ako mgiipon pero hindi iyon ang nangyari…Walang alam ang BPI sa transaction ko.
Sobrang furious tlaga ako so i went back there and I have my papers with me, with cancellation letter. I shout at them (nilagay nila ako sa private room para di makaistorbo ng ibang tao) at sabi ko i’ll bring my lawyer kung di nila ibabalik ng buo ung nawala sa akin. Obviously takot na takot sila at ayaw nilang umabot kmi sa ganun.
Tapos ung isang babae dun na knina ko pa sinisigawan said to me na wag daw ako sumigaw kc pareho nman daw kming professional. Actually napahiya ako dahil bumababa nga naman ako sa level nila pero sa akin professional silang mgnanakaw at manloloko. Ang dami nilang kasinungalingan n sinabi. Sabi nila kapag daw ngsara ung Danvil meron kaming hahabulin sa bangko. Kung mgsara daw ang bangko, pwede kmi mghabol sa BOT. aba, eh puro kalokohan pala ung sinabi nila.
Kya ayun sobrang wla na sila nagawa kundi to return our payment. So 30-45 days daw para mai-issue ung check. So di ko sila lulubayan. Nakakainis sila
check out my blog
http://cutebjem.multiply.com/journal/item/84/FUCK_OFF_DANVIL_PLANS_INC.
victim din ako!!asar!
Hay naku, i have the same case with you guys..I need your help. Nabiktima din ako ng Danvil last Saturday, April 05, 2008. I was with my mom…galit na rin yung mom ko dahil sa sobrang tagal.. Nung una kinuha skin yung CC to check kung iho-honor raw ng HSBC then haggang nas-swipe. After a few minutes, I went back dahil galit na yung mom ako and nakita namin na yung signage nila na FAMILY FIRST..*sigh then bigla kong naisip yung CC ko. Oh noh! bumalik kami puro explained walang nangyari medyo mabait kc ako and yung mom ayaw rin gumawa ng scandals. hindi ko sinabi sa nanay ko na P13,200 yung initial na kylngan ko bayaran. what a messed..i was so anxious nung lumabas ako ng office nila, until now. kinausap ko ang HSBC to cancell the transaction.. they advised me to submit dispute form with attached letter.
Hay…mahirap kumita ng pera.:(
We appreciate the effort for replying for this post, nakausap ko na si melissa (ung isa sa mga nagreply dito) and since you guys have your complaints, pde talaga makasuhan yang mga hindot na yan. these guys must be stopped.
I have the same case with you guys. Family first naman yung sa ex gf ko. Affected ako kasi credit card ko yung naswipe. Ayun di na namin narefund yung amount. kaasar talaga.
Been there and been there agsin. Last Feb. my mother-in-law was been victimized by those patay-gutom na taga Danvil. Been settled after several bulyawan at their Sm Southmall office.
Now my mother was again been victimized by these vultures at Danvil. Now, I preparing for some bulyawan moments for tomorrow’s paghaharap. Wish me luck guys…
To all employees of Danvil, di ba kayo nahihiya once na nag aaply kayo sa iba atnakikita ang reference ninyo that you’ve been employed at Danvil?
Ako sa inyo, once you got that job at Danvil, make it your last. Stsy na lang kayo hanggang sa makulong at mapatay jan….
MGA DANVIL BUWiTRE, PWEE!!!!!!
Hi Raymund, so kailngan ko rin makipagbulyawan sa knila..*sigh. In the first place, it’s a waste of time..im coordinatign with HSBC kung pwde mavoid yung transaction since ayaw naman nila pumayag by the time na bumalik ulit after 15mins of closing the transaction.
Nakakainis sila..kung pinayagan nila ako bumalik at makapag-isip isip muna hindi mangyayari to. Besides, hindi ko rin sila babalikan para magdalawang-isip noh? bigla akong kinabahan pagkalabas-labas ko pa lang ng office nila. Although wala pa akong idea about sa Family First and Danvil.
Ang alam ko pwdeng ilapit sa Commision on Insurance. Kailgan lagn marami tayo.
Let’s unite para matigil na yan..kung talagang hindi sila after sa money bakit napakahigpit nila sa pera..hindi na pwedeng magback-out.
Guys, balitaan nyo ko kung anong nangyari s inyo.
Hi Melissa,
Good for you, naayos sayo..in my case naman, initial deposit pa lang sa HSBC credit card ko..wala pang cash-out na nangyayari. I called HSBC after two days and kinuwento ko sa knila.. I have several inquiry about this issue, frustrated na ko sobra. THen I’ll do some research about this company. Dami palang complains dito. I’m still contesting it to Danvil and HSBC.just filed a dispute letter to HSBC with cancellation letter..after 45 days parang malalaman results. Mabuti na lang mababait din mga customer service ng HSBC. Sila pa nag-fofollow-up sa kin for the dispute and cancellation letter.
If ever hindi ako mabigyan ng approval ng HSBC dahil hindi enough ang mga letters etc. Hindi ako titigil, will contest at Commision of Insurance, I did it already, tapos pupuntahan ko sila dun. Hindi ako magca-cash-out..buti na lang hindi ko dala yung passbook ko.
Guys, nakapagfile na kmi ng reklamo sa Isumbong mo kay tulfo…ung fiance ko ung nakausap nila. ang haba ng pinagawang complaint letter…pinapunta pa kami sa SEC. tpos gumawa ulit ng letter dun…tapos tatawagan n lang daw kmi after. And after nun, we discover na ung Danvil is endorsed pa ng ABSCBN at GMA. di ko maintindihan…nalilito p tuloy kmi ngaun
my brother works at SEC, he might give us a hand…
ok, will wait for an update.
Guys,
nabiktima din ako nitong DANVIL sa sm southmall kahapon lang. It was suppose to be a fun day kasi may date ako nun, tapos lalabas na kami ng kasama ko, biglang may bading na lumapit samin..badtrip talaga!!!di kami tinantanan, kesyo may quota daw sila, and need lang nila ung little time namin. all the while we thought na maglalaro lang kami nung crazy 8, tapos un na napapirma ko na umatend ng seminar, im so hesitant pero as usual napilit ako. Feeling ko na hypnotize ako,diko alam talaga. bat binigay ko ung credit card ko.badtrip talaga. Ang nakakainis dun, bat nung naswipe na ung card ko, biglang parang nagiba ung maturity date and ung amount na makukuha.I should have followed my guts…nakakaasar talaga.Tapos ngaun nagresearch ako, ayon nabasa ko tong site na to. I called citibank and nag ask nako what to do, they told me to dispute the transaction sa DANVIL since naka float pa sya. ang badtrip dun I called DANVIL to file a dispute, sabihin ba naman sakin na sa tuesday ako pumunta kasi wala daw ung nagorient sakin, e sa tuesday mapopost na ung bill ko sa citibank.sabi ng citibank, pag nagpost na ung bill ko, i should file a dispute na sa citibank mismo and citibank will process it. Im so disappointed, and i want to stop this scam!!!baka marami pa silang maloko.. Im going to DANVIL on tuesday with my dad, and file a cancellation. ask ko lang may nakapag pa dispute na ba sa credit card sa inyo para di mabayaran ung initial payment na 9,500?successful po ba?I will greatly appreciate your reply.. Thanks for this blog..
Hello Joe,
Yes you can file a cancellation right there and then. Sana nasayo pa yung receipt nung charge na nakuha sayo. Basahin mo ung mismong post ko, dun pa lang nung araw rin na yun pinacancel ko sa kanila ung kagaguhang ginawa nila.
Hi Bob,
Im planning to file a cancellation today. tumawag ako sa DANVIL tapos sabi sa tuesday daw ako bumalik. I called citibank and advise me to cancel my transaction before tuesday, baka delaying taktiks nila un para mapost na sa bill ko ung initial payments. pumirma ako sa receipt e. ok lang ba un?kahit ba sabihin nila na non refundable un?Thanks
The sooner, the better. Pumirma ka? Pwede nila gawing grounds un para sabihin nilang pinayagan mong magpush through yung charge. But be firm and tell them na hindi.
Guys,
on tuesday ill go back to DANVIL, and ill give an update nalang po on the results of my cancellation. Im just glad na nabasa ko tong blog na to. Thanks bob!
meron din ako frend na na-uto nyan kahapon…. eniweis, nung sinundo ko yung frend ko.. napansin ko, puro babae at bading ang mga staff.. sensha na sa mga matitinong bading ha.. pero ano bang meron sa mga bading at panloloko ng kapwa??? hehehehe
eniweis.. sa megamol yun… meron din nag approach sa kin na babae, meron sinasabi na di ko maintindihan… ang istayl pa nya e parang kakilala ko na talaga.. so nilapitan ko habang pinipilit na isipin kung san ko nakilala yun.. sabay nung naintindihan ko na yung tanong nya pala sa kin e “hoy.. gumagamit ka na ba ng credit card?”… langya.. naisip ko agad, istayl bulok… sabi ko na lang e “kpssshhhh”.. sabay layas… ganon lang… hehehehe…
wag nyo na kasing pansinin kung alam nyong di nyo kakilala at wala nman kayong kailangan sa kanila… NOTHING’S FREE! business lang lahat yan… walang magaakasaya ng oras at resources kung walang mahihita… if they offer to give you something, they expect to get something from you in return.. and believe me, it would be more a lot more than the worthless junk that they are giving away… actually, in essence e legit ang business nila.. hindi scam ang inooffer nila… pero, lintek, SOBRANG FOUL ANG PARAAN NG PAGBEBENTA NILA NG PRODUKTO NILA!!! DAPAT SILA ANG MATUTO NG RESPETO… THEY HAVE TO LEARN HOW TO TAKE “NO” FOR AN ANSWER!
pano kung yung inuto nila e na-max out ang credit limit? tapos nagkameron ng emergency? tsk tsk tsk…
ang nakakapag isip lang, bakit kaya di sila nakokonsensya na kapwa pinoy ang ginagago nila.. alam nman nilang pinaghihirapan ang pera dito sa atin.. lalo na yung mga OFW… tapos ginagago pa tayo ng gobyerno.. tapos manggagago din sila… tangnangsyet sila…
Bob,
Pumunta me kahapon, di ako natuloy nung tue, ok na daw.inaccept lang nila, tapos after 30-45 days pa bago macharge back sa account ko.
Thanks for the help!
walang anuman Joe
Naloko din ako nila. Nasa blog ko yung kwento.
Grabe talaga yun. Pumunta ako sa office nila kanina, tapos sabi forward daw nila sa higher management. Sabi nila tatawagan na lang daw ako kung ano decision. Paano kaya yan? Dapat ba bumalik ako para mangulit?
Putang ina yang Danvil na yan.Nabiktima din ako. Pinagawa lng ako ng cancellation letter na handwritten tpos cancell na dw yong policy ko.Pero tumawag ako sa citibank sabi ng charge pa din daw cla ng 2300 sa card ko on the day na kinacel ko yang policy. ang kakapal nila
Yes pwede pa rin balikan at icancel ung transaction, please view the comments above kung pano maaayos to…
Hey guys! I think I have the same case with you guys. It is under Family First pero almost one year ago na ung transaction. Na-swipe nila sa Citibank Cash Back ko is P 7,600 tapos ung monthly ko na I think P 1,500 eh cash ko binayaran. I remembered na magkikita lng kmi ng friend ko dpat nun sa Megamall pero hndi sya dumating. So ako, naglibot muna hanggang naharang ako nung guy from Family First. Ayun inabot rin ako ng almost 3 hours sa office nila. Sobrang galing nilang magconvince ng tao. Umaayaw ka na nga, ayaw ka pa nila tantanan. I also filed a cancellation letter pero hndi ko na nakuha ung P7,600 and P 1,500 na cash out ko. I just heard from my officemate na marami pa lng nagfifile ng complaint against them. Kaya ngyn lang ako nakapagpost ng comment d2 sa blog. I still have to check the details of my Family First file at home para malaman ko when is the exact date of transaction. Will I be able to refund my money pa kaya? Kahit one year ago na ito, eh sobrang sayang pa rin at kelangan kong maibalik ung money. Please help me guys.
ako rin naloko rin ako kanina sa sm city north, di ko ba alam bkt ako na papirma sa contrata nila, and di ko rin alam bkt ko nabigay ung credit card ko… pinapirma ako na non refundable daw ung intial premium at one month advance, want ko sana pacancel, makukuha ko pa ba ung money ko? please help po… thanks guys
hi… i had experienced this shit just yesterday sa SM Megamall.. hmm, i think i was a bit hypnotized by that gay who approached us. Grabe, the whole thing happened for about 3 hours (they said 30-45 lng daw) and yet wla pala akong mapapala.. well, im just 21 years old and just got my credit card two years ago.. tapos super namimilit sila that i should decide “today” daw.. eh hello, im just a supplementary, hindi naman ako ngbabayad nung credit card ko, ung parents ko.. kaya ayoko magdecide agad.. pero nadala din ako sa pinagsasabi nila para lng matapos na agad. super naiinip narin kasi ako, i really want myself out of that Danvil Office and I got bored narin.. mejo naconfused lng tlga ako sa nangyari sa akin.. kasi after i was convinced by that girl named “Adora”, ayun, pumunta kami sa isang corner na may parang teller and dun they swiped my card. they did it twice but it failed daw or rejected something.. so when i was heading back to where i was seated, bigla akong tinawag and then they said na okay na daw. tapos i saw na tlgang ung receipt lumabas from the machine and there were people who keep on talking to me tapos nambobola pa ung iba, nakaka-distract somehow ung mga pinagsasabi kaya siguro di ko natingnan if ung pinirmahan ko ung name ung nakalagay ko dun.. pinirmahan ko naman.. tapos okay na.. fill up na lng nung nung information sheet… and meron pa silang parang iaannounce nila na member na ako thru a microphone. (how weird!) tapos aun, tapos na lahat ng pagfill up nung forms tapos ung manager kinausap ako.. tapos aun, she asked me kung napipilitan lng ako or something.. hindi ako nakasagot agad, i was asking my bf of what to do and say.. to agree on it or not pero kainis, wla man lng syang masabi. siguro confused din sya.. so ayun, pumirma na ung manager daw nila. sabi nung “Adora” na antayin na lng ung copy ko daw.. grabe, tagal namin nagantay.. super bored na ako.. iniwan daw ba kami sa isang girl na kasama din nila na parang tanga and doesnt even know how to entertain clients.. kaya ayoko narin kausapin.. tahimik na lng ako tapos tingin tingin sa paligid kung ano na ung nangyayari.. super tagal namin nagantay and much to our suprise, that Adora girl came to us with a not so pleasant facial expression as if nalugi na sya.. And there was a problem daw.. Ung problem is ung receipt pla ng credit card na pinirmahan ko is not mine.. woah! but i signed it.. so Adora was arguing daw with the teller kasi tatanga daw sila na indi nila chineck ung name ko.. eh kasi naghung ung receipt machine and the last card daw they swiped was mine… naconfuse tlga ako kasi napirmahan ko na lahat ng agreement and suddenly ganun ung nangyari… what the heck! after all the waiting, eto lang mapapala ko? and plus ung time ko nasayang nila.. so considered not official ung application ko, invalid or cancelled na daw kasi hindi daw sa akin ung receipt na un. Eto ang nakakalito dun, di ko alam kung meron silang nakuha dun sa credit card ko kasi nga na-swipe nga nila ung akin.. pero inisip ko rin na buti na lng 10,000 lng ung limit ng card ko so wish ko lng tlga hindi umabot ung 7,600 na dapat initial payment ko kasi nga lam ko may napagkagastusan na ako dun this month lng.. (bukas ko pa ichicheck sa metrobank kung nabawasan tlga at may nawalang 7,600) kinakatakot ko lang, baka kasi kung magkalaman na ulit ng 10,000 ung credit ko, saka nila ibabawas ung monthly payment na 1,840 as what was written in the agreement.. sana lng indi mangyari ung ganun kundi lagot ako sa parents ko, im still a student, no work yet! i will appreciate if u react on this one… nagsearch kasi ako agad sa internet about this DANVIL PLANS. di ako makatulog thinking of this as a scam,. Gladly nakita ko ung blog mo.. =) Hay, ang weird ko that day, many have approached me asking if i have a credit card na sa lahat ng malls na mapupuntahan ko pero di ko naman pinapansin tlga kasi baka nanloloko lng ung mga un,, tsaka wla akong panahon makinig. what i did yesterday was not so me.. i dont usually talk with srangers like ung mga nakaformal sa SM na nangungulit ng mga tao.. haaay,, tingin ko nasa iced tea na sinerve nila un.. may nilagay ata sila dun.. dami kong nainom eh. (nauuhaw narin kasi ako tska nakakatuyo ng laway ang 3 hours na usapan na paikot ikot at paulit ulit lng! it was really a bad day na super binunton ko ung pagkainis ko sa BF ko. napagod lng ako sa walang kwentng bagay..
tska di ko nabili ung dapat na mother’s day gift ko sa mom ko… huhuhuhuhuhu!!!! dun ako naiiyak sobra… that day was for my mom pero parang binigyan ko pa sya ng sakit ng ulo sa ginawa ko… ;(
@ jay:
walang non-refundable dun pare. bawiin mo pera mo.
@ anne:
tama yun. confirm mo sa bank kung may charge. then try to contact the scammers directly and have a cancellation letter asap. ask help from ur card company as well to hold or better, cancel the said charge…
guys, i might as well tell my story regarding on my experience sa danvil..
this happened last wednesday, i went to sm north edsa kasi to make my cellphone fixed sa ericsson sa cyberzone, aun pag punta ko sa ericsson this girl was asking me if i have credit card, i ignorned her kasi late na nun baka masaraduhan ako ng ericsson, after that napagawa ko na ung phone, then im going to my car na to go home pero naharang na nman ako ni girl from danvil (actually akala ko credtcard company sila), hnrang ako and then sabi “sir me credit card na kayo” anticipating na credit card company sila sabi ko, “meron na kong credit card”, to my awe and surprise sabi niya na ” congratulations sir, nanalo po kayo ng prize dahil me credit card kayo”, ako namn nagdadalawang isip sabi di ko bale nalang kasi uuwi nako kasi mga 730pm na un eh traffic pa sa edsa, sabi ko wag nlang, pero this girl feeling close pa, sabi sakin na “sir, tulungan nyo po ako kasi need ko umabot ng quota ko for today for this job” ako naman naawa so dinala nya ko sa booth nila, pinapili muna nila ako ng price sabi ko ung bag na lang.. then after that sige explain sya, na sa main ofice daw ung bag na bbgay niya kasi nakakahya nmaan daw na display ung iibgay nya, then sabi nya attend daw ako 45 mins company presentation nila para me raffle tickets at slot machine na promo.. sabi niya na wala dapat bilin na kapalit (which is contrary sa ginagawa nila) then aun punta na kame sa main mall ng sm north edsa sa may 3rd floor…
…dumtng na kame sa office nila, ang lamig lamig considering na nakajacket na ako, giniginaw pa ako, eh ako ung taong di ginawin, anyways, one guy called my name, then he ushered me inside their “pressure room” (hehe), before sitting down, he showed me pictures of past winners of their promo etc.. he even asked me that if i win, will i consent them to put my picture in their promo ads adn newspaper, eto naman ako naive ako at sabi ko ” oo naman”… so usap kame dun.. ask ako iced tea, water or coffee, ako namn hngi ng water.. pag upo namin, the agent talked about me wat i do, my course, etc. sabi ko nursing ako dati then sabi nya nursing din siya, then ask nya nu daw hobbies ko sabi ko naman naglalaro ako sa pc etc, then sabi nya naglalaro din sya, then kwento sya sa mga latest games mga strategy, mga nursing stuff, which is totally irrelevant sa company presentation nila, it was an excellent rapport that he established , tpos pinasign nya ko ng form mga dreams daw for yourself, for your family… ako naman sulat… then diniscuss namin (long discussion).. it ends up na kelangan kong mag ipon para ma achieve daw un dahil pag tanda ko daw di ko na magagawa ung kasi marami ng responsiblity, kasi 21 years old palang ako marami pa daw ako masasave, i was so convinced tlga, then nagpakita na siya ng plans, nagsusulat pala sila ng pabaliktad (hehe).. tpos sabi ko di ko kaya un kasi student palang nga ako, anu nman pagbabayad ko, tpos bngyan nya ko ng lower plan, students plan daw 8600 intial and then 1610 monthly for 7 years and fter 15 years i will be able to get 175k, tpos hnigi na nya credit card ko, sabi ko naman “wait di ako pwde magdecide since extension lang ako ng mom ko and di ko gngamit ung card for my self i need to ask muna” then sabi nya once lng daw nila ako aalukin, and chance ko na daw n, kung sa palagay ko daw ba matutuwa parents ko pag nalaman nila that at a young age nagiisip na ko magipon.. di ko lam nu pa sinabi nya, cguro dahil 3 hours na kame naguusap or maybe dahil pagod na ko at gabi na, or na hypnotized ako di ko alam pero it ended up bingay ko ung credit card ko sa kanya… then bgla punta counter at swipe bgla, tpos dame na pnapirmahan sakin paper, di ko na rin nabasa kasi ang dame na tao andun ung supervisor, agent tpos me isa pang staf,, sge kwento sila habang nag sisign ako na di ko na nababasa ung pinirmahan ko, tpos pinasulat pa ko na nonrefundble daw un premium until maturity date… after that napirmahan na lahat ng document dumating si manager daw, ask ako if want ko ba tlga, di ko na alam kung nu sasabihin harased na ko at gutom nako di pa ko nagddiner 11pm na yon, sabi oo nlang ng oo… tpos inannounce ung name ko through microphone.. sabi pa nun agent na pag labas ko daw dun dalawa lang daw marrinig ko first “mattuwa sila dahil nagipon ako” at ung isa “gastos lang yan” dapat ung second na reaction na sinabi nya “SCAM yang pinasukan mo” hehehe… umalis ako ng me free bag at me envelop, 11 pm palang ako pauwi, pag dating ko sa bahay di na ko makatulog, di ko lam kung tama ngawa ko or naloko ako…. 5am nako nakatulog
… the follwing morning, thursday, sinbi ko kay mom, who is my principal holder ng credti card, ngalit sya dun, and i knew that my sis pala na victim na nyan 1998 pa, so sabi niya irerefund daw namin kaht anong mangyari, we called citibank to ask if it can be refunded, sabi nya floating pa daw, and if we want to have it refunded we must talk directly to DANVIL, mabait ung operators ng citibank, we asked them pa what if DANVIL will not consent to return the money thst they have charged, sabi nya they can file a dispute after we talked to DANVIL and to no avail, mejo nabuhayan ako ng loob but still nanghhina parin ako… i feel stupid tlga…
… we went to danvil ulit nung hapon mga 3pm, we asked to cancel the contract, dala dala ko ung envelop, then ang tagal namin ulit naghintay para makausap agent nila mga 15mins. me lumabas, dinala kame sa “pressure room” sige explain si agent sa mom ko na nagiipon ako etc, si mom kasi matapang she keep on saying that I don’t have the capability to pay that insurance since im still studying and also i my judgment have became blurred that time because of the amount of time and insistence of them to me… still the staff wont have it refunded.. ako naman english ako (kht nosebleed hrap amg english) sabi ko na once a product is availed it can be returned replaced within 7 days, di daw ganun sa kanila, then ask ko what difference ng product nila from those na binebenta sa sm… si mom furious na.. siguro natakot na ung staff dahil si mom mejo mataas na boses sabi pa ni mom ” alam ko na ung gingawa nyo (implying ung scam nila), wag ka na magexplain explain kasi wala akong pakialam sa mga taong nakakuha ng plans nyo, ang concern ko is un sa anak ko lang .. then the staff told us that he will try….
et hinyay na naman kame for another 15 minutes or so, piangawa ako ng cancellation letter on the spot annd handwritten lang aun, nilagay ko na di ko kaya bayaran since wla akong discretion dahil extension lang ako etc. then tinanggap nung staff… wait again 10 mins. after that me dumating na manager girl naman ngayon dati kasi guy ung manager, naguguluhan na tlga ako sa knila.. sabi niya cancelled na daw ung plan, hmngi si mom ng proof na cancel na, kinuha nung girl ung policy at ibang papers from me then sabi nya hintay daw kame bgay daw sya ng cancellation of statement, after waiting again me binigay siya na statement na nakalagay ” cancelled from inception”, sabi nya na bka daw macharge ung 8k pero tawagan daw ung bank na cancelled na daw, kasi 30 days pa nila maprproces to charge it back to our account..
nawalan na ako ng tiwala sa mga taong nagaalok ng kht ano sa mga malls kht nga sa sarili ko lumiit ung tiwala ko since nakuhanan ako ng 8k ng ganun ganun lang, naisip ko na there’s no free tlga sa kanila, kung accept mo ung prize na offer nila then u have been taken by their bait, anu ung 8k kapalit ng isang bag sa sira pa ung zipper?…
BOB! thanks pala sa paggawa ng blog na ito… google ko agad pagdating sa bahay ung danvil, then puro danvil scam lumabas… nagduda na ko, maraming matutulungan ung blog na ito sa future victims ung danvil..
danvil is legal daw kasi dti at sec registered sila but what them make a bad reputation and scammer is the way they sel their plans, if their plans is really good (as they say it is) they will not insist on you getting it on the same day and saying ur not eligible if you will not sign it immediately… the way that they, may i say harass?, other people is the dirtiest marketing strategy that i can think of, they are dressed in nice and decent clothes but does not suit the way that they conduct their business.. they keep on insisting that they are helping people save their money, what the f@#k! i thnk they are just getting money from people rather than helping them…
…hopefully those people in DANVIL will realize that what they do will come back to them in the future… panigurado na alam naman ng employees nila ung tactics ng company nila sana isipin nila pano kung sa immediate family nila nangyari un, nakakaperwisyo tlga ng kapwa ung pinagagawa nila… next time i will not hate to say NO to them, SM should do somethng about DANVIL nakakawlang gana pumunta na ng SM, icipin mo dame nila nakukuha na tao at one time, ung time na pumunta ako puno ung room nila ng tao…
ANNE and to those who want their plans to be cancelled, go to their office and seek for cancellation ASAP, Anne advise ko sayo na sama mo ung parents mo or at least ung principal holder ng credit card mo dun, kasi pag ikaw lang ppunta bka madala ka nila ulit sa matamis na mga salita nila… be firm na refund nyo ung money nyo kasi sasabihin sayo na di pwde na i refund… kulitin nyo rin sila ng gaya ng pagkukulit nila sayo!!
Guys, sana marami pang magpost ng story nila dto para maging aware ung tao sa gngawa nila..
God help them realize what they are doing…
JOE
ibabalik daw ba nila ung whole na initial payment mo? kasi sakin sabi ganun daw (sana nga), nu bngay sayong document in return? thanks
Hi,
Everything that’s posted here is true. I am also a victim of Danvil and I admit til now I feel stupid for letting myself be fooled into investing in their “endowment plan”
I read in some of the posts na you were able to get your money back. I just wanna know your opinion if your strategies will also work for me. Last March pa ako nag sign ng policy and this May dapat yung 1st monthly payment ko but fortunately, di nag auto debit sa BPI. I’d like to cancel my plan and of course I want to get my money back. Kahit kaya matagal na pwede ko pang hingin yung 6 T ko?
Thanks.
I believe yes Jane, first things first. That’s your money, not theirs. The point that the supposedly ‘first monthly payment’ didn’t push through, isn’t that enough reason to doubt? I mean if they’re one company that can be trusted, these guys should be firm about their policies especially when it comes to payment, if I were in their place, of course I’ll let my clients know that their about to take the monthly ‘hulog’.
Perhaps these guys got a lot of money coming from the victims they ensnare. Again Jane, that’s your money, not theirs. Its your right to take it back.
Hope this helps. :no1:
jane,
i think mababawi mo pa ung money mo basta be firm na you want your money back, kasi for sure pipilitin ka ng agents nila i-salestalk again, tell them na you have decided na to get your money back kahit nu pa sabihin nila sayo..
Good luck po..!!
tama si Jay.
Hello everyone!
These days, may isang taong nanggugulo sa website ko tungkol sa mga reklamo ko sa Danvil Plans. Nagreklamo kasi ako sa SEC tungkol sa mga ill-practices nila. Kesyo wala daw akong mararating. Tapos nung sinabi kong sumulat na ang SEC sa assistant vice president nila, sabi ba naman, bakit di daw ako mag-apply sa kanila as SALES REPRESENTATIVE!
Kayo na po bahala mag-judge.
http://i-think.com.ph/godiane/blog/2008/05/24/from-philipmarky-regarding-my-complaint-against-danvil-plans-incorporated/
http://i-think.com.ph/godiane/blog/2008/05/24/danvil-plans-incorporated-to-transfer-pre-need-portfolio-to-legacy-consolidated-plans-inc/
hello.
Now that I read your post I am sure I am not alone having a second though about my danvil plans.
Akala ko matibay na ako sa pag kilala ng mali at tama specially money matter, hindi pala. Galit na galit nga sa akin un asawa ko ng malaman nya na kumuha ako ng ganun klasing plan.
My problem is that I am not staying in Manila, and even I want to cancel my plan its not possible to come to their office to file a cancellation letter. Also another problem, I am now here in abroad.
I am thinking to cancel the future payments and let the initial and other payments that I did go to waste.
Please help. What good things to do?
I would like to express my deepest sympathy for those people who have posted in this blog.
OBVIOUSLY, SUCH PEOPLE ARE SCANDALOUS, UNEDUCATED, ILL-MANNERED, INDECENT AND UNDIGNIFIED:
…kidnapped us all the way up back to the 5th floor. the last stall in mega a. DANVIL to be exact.
…if you get a chance to drop by at megamall and see anyone from DANVIL. SMACK THEM. o kaya putang ina ngaratan nyo na lang.
…law student, when the time comes, i’ll see this fucking company at court. (let ur friend take the BAR EXAM first)
…especially that fucking manager leo mallari. putang ina mo wag kang magkamaling maglakad2x mag-isa putang ina mo.
…“hoy.. gumagamit ka na ba ng credit card?”… langya.. naisip ko agad, istayl bulok… sabi ko na lang e “kpssshhhh”.. sabay layas… ganon lang… hehehehe…- OKINAMSYET
PLANHOLDERS OF DANVIL PLANS, WHO FILED A COMPLAINT AGAINST THE COMPANY ARE THOSE WHO DID NOT UNDERSTAND THE CONCEPT OF THE SAVINGS SCHEME THEY HAVE PURCHASED,AND ADMITTED TO THEMSELVES HOW STUPID THEY ARE AS REFLECTED ON THEIR COMMENTS:
…I got tired of all his explanation and just literally NOD on to whatever it was he was saying [my bad =( ]… immediately after we got out of the room i was relieved, but very unhappy about the whole experience.-ARACHI
…Pero wla nman silang tinawagan n bank iswipe lang nila ung atm ko at pinaenter kung pin code. -MELISA
…Hindi ako magca-cash-out..buti na lang hindi ko dala yung passbook ko.- DESSY (WHAT ARE WE GOING TO DO WITH YOUR PASSBOOK? STUPID!)
…Feeling ko na hypnotize ako,diko alam talaga. bat binigay ko ung credit card ko.badtrip talaga. Ang nakakainis dun, bat nung naswipe na ung card ko. –JOE
…Ayun inabot rin ako ng almost 3 hours sa office nila. Sobrang galing nilang magconvince ng tao. –SHENG
…di ko ba alam bkt ako na papirma sa contrata nila, and di ko rin alam bkt ko nabigay ung credit card ko… pinapirma ako na non refundable daw ung intial premium at one month advance-JAY
…super naiinip narin kasi ako, i really want myself out of that Danvil Office and I got bored narin.. mejo naconfused lng tlga ako sa nangyari sa akin.. kasi after i was convinced by that girl named “Adora”, ayun, pumunta kami sa isang corner na may parang teller and dun they swiped my card.-ANNE
…i was so convinced tlga, then nagpakita na siya ng plans, di ko lam nu pa sinabi nya, cguro dahil 3 hours na kame naguusap or maybe dahil pagod na ko at gabi na, or na hypnotized ako di ko alam pero it ended up bingay ko ung credit card ko sa kanya… then bgla punta counter at swipe bgla, tpos dame na pnapirmahan sakin paper, di ko na rin nabasa kasi ang dame na tao andun ung supervisor, agent tpos me isa pang staf,, sge kwento sila habang nag sisign ako na di ko na nababasa ung pinirmahan ko, tpos pinasulat pa ko na nonrefundble daw un premium until maturity date… after that napirmahan na lahat ng document dumating si manager daw, ask ako if want ko ba tlga, di ko na alam kung nu sasabihin harased na ko at gutom nako di pa ko nagddiner 11pm na yon, sabi oo nlang ng oo… -JAY
…I admit til now I feel stupid for letting myself be fooled into investing in their “endowment plan”-JANE
BOB, I THINK YOU ARE THE ONLY ONE WHO IS SMART ENOUGH IN THIS BLOG BUT UNFORTUNATELY YOU CAN DO LESS ABOUT THESE INTELLECTUALLY INCAPACITATED MATES THAT YOU HAVE HERE:
…The sooner, the better. Pumirma ka? Pwede nila gawing grounds un para sabihin nilang pinayagan mong magpush through yung charge. But be firm and tell them na hindi. –BOB (TSK..TSK.. ARE YOU COUCHING THEM? WHO’S THE ONE WHO CHEATED NOW?)
…Let’s unite para matigil na yan..kung talagang hindi sila after sa money bakit napakahigpit nila sa pera..hindi na pwedeng magback-out. – DESERIE
…Hindi ako titigil, will contest at Commision of Insurance, I did it already, tapos pupuntahan ko sila dun. -DESSY
THE COMPANY IS LEGAL AND ALREADY IN ITS WAY TO HAVE A STRONG BUSINESS TIE-UP WITH LEGACY PLANS, WHICH MEANS THAT SEC WILL NOW ISSUE THEIR LICENSE AND INSURANCE COMMISION TO DO THE SAME, THAT’S THE REASON FOR THIS:
…Guys, nakapagfile na kmi ng reklamo sa Isumbong mo kay tulfo…ung fiance ko ung nakausap nila. ang haba ng pinagawang complaint letter…pinapunta pa kami sa SEC. tpos gumawa ulit ng letter dun…tapos tatawagan n lang daw kmi after. And after nun, we discover na ung Danvil is endorsed pa ng ABSCBN at GMA. di ko maintindihan…nalilito p tuloy kmi ngaun –MELISSA
PLEASE DO CHECK http://www.abs-cbnnews.com/storypage.aspx?StoryId=102143,
AND http://www.danvil.com.ph/socialresponsibility.asp
…And to further spread the good, and not so thinly, we have partnered with ABS-CBN’S Knowledge Channel Foundation, Inc. by cabling eight (8) public schools in Quezon City and Las Piñas.
…Supporting other venues of educational development are also enjoyable activities we engage in. Worthwhile events such as the recent Brigada Eskwela of the Department of Education and Walk for a Cause during the Life Insurance Consciousness Week gave the employees something to be proud of.
AND TO THE GUY NAMED RAYMUNDPILAPIL WHO QUOTED:
…victimized by those patay-gutom na taga Danvil.- raymundpilapil
…To all employees of Danvil, di ba kayo nahihiya once na nag aaply kayo sa iba atnakikita ang reference ninyo that you’ve been employed at Danvil?
Ako sa inyo, once you got that job at Danvil, make it your last. Stsy na lang kayo hanggang sa makulong at mapatay jan….
MGA DANVIL BUWiTRE, PWEE!!!!!!-RAYMUNDPILAPIL
FOR YOUR INFORMATION MR. RAYMUND PILAPIL, I AM CURRENTLY WORKING AS A ASSISTANT BRANCH-IN-CHARGE IN A FOREIGN EXCHANGE COMPANY IN THE U.A.E., AND MY EMPLOYER IS VERY AMAZED OF THE SKILLS AND LEVEL OF PROFESSIONALISM THAT I HAVE, AS A MATTER OF FACT IM NOT SURE WHO AMONG THE TWO OF US IS IN THE LOSING END…
I WILL NEVER BE ASHMED THAT I WAS A PART OF FAMILY FIRST DANVIL, BECAUSE APART FROM THE MONEY IT GAVE ME. IT HELPED ME TO BE A STRONG PERSON AND GAVE ME THE SKILLS ON HOW TO HANDLE PEOPLE WHO ARE STUPID SUCH AS YOURSELF.
AND I WILL NEVER BE PATAY-GUTOM, BAKA PADALHAN PA KITA NG BIGAS DYAN! AND DANVIL EMPLOYEES WILL NEVER GO TO JAIL BECAUSE THEY HAVE LICENSE FROM INSURANCE COMMISION TO SELL-LEGAL MATTERS,, SOMETHING THAT I KNOW YOU CANT COMPREHEND..
GOOD LUCK TO OF YOU GUYS! I HOPE THAT ALL YOUR COMPLAINTS WILL BE SETTELED AND NEXT TIME PLEASE BE CAREFUL… TANGA PA NAMAN KAYO DITO.
I HOPE YOU WILL ALL THE PEOPLE HERE READ THIS POST SO THAT THEY WILL REALIZED THEMSELVES THAT THEY SHOULD BLAME NO ONE BUT THEMSELVES.
DANVIL PLANS WILL CONTINUE TO HELP PEOPLE AND EDUCATE THEM TO HAVE A SAVINGS FOR THEIR FUTURE.. I HOPE THAT YOU WILL WIDEN YOUR HORIZON AND THINK ABOUT YOUR FUTURE INSTEAD OF USING YOUR CREDIT CARD TO THINGS THAT HAVE NO VALUE 10-15 YEARS FROM NOW, WHY NOT USE IT TO HAVE A SAVINGS-SCHEME WITH DANVIL PLANS. VISIT http://www.danvil.com.ph
Thanks for the hasty reply Philip. Ok. I guess you’ve read my post about another company who has this kind of plan to help other people. I’ll tell you my experience with the first company who offered me to place my money where it could earn as much as your ’successful’ clients have.
I got a call about a year ago that I won an insurance policy. Of course I got excited since I believe no one would give me such unless I’ve been notified before hand. I even confirmed this at the insurance company itself and yes, someone really gave me that policy. Anyway, I went to their office and after receiving the policy, the very same thing that you guys are doing was explained to me to the detail by detail.
Yes Philip, I know how the saving scheme you guys try to offer is very inviting. Because the guys from that other company already explained to me how this thing work. At that time though I know that I couldn’t support such amount. So I told them: “No, I apologize but I can’t.”
Do you know what they did? They stopped. But nevertheless, they didn’t FORCED me to get my card and swipe it.
Now that’s a better way of approach to people Philip. I have to admit that your colleagues manage to take the cards of unsuspecting people, then forcefully charge it at hand. You see, who doesn’t want to have a fortune? You see, who doesn’t want to have a good life? I think you’re getting the picture already Philip. Everyone wants those things. If your company is willing to help people, forced application is not necessary. I’ll say again. Forced application is not necessary.
And oh, talk about professionalism? Go take a good look at your reply at Mr. Pilapil. Now you expect these people would give a deep sigh and say: ‘nawalan ako ng pera… hay…’. From a professional’s point of view, I think you just ate your words. Again, if you feel like you learned much from the company, good. But if you have such authority in that company, take my advice, forced application is not necessary.
Good day. :no1:
Hi Bob,
Thanks for your opinion. Ok guys its like this I’m going to tell you how it is going to be like in the presentation room, I understand all of you here but the harsh words that you commented againts us isnt really good since we are just doing our jobs and you dont have any idea of the pressure that we get from our managers if we dont close the deal, same pressure we pass on to our clients. This is for real and I’m going to share to all of you here:
Actually, if you will say “NO” and be stiff and strong about your decision we cant push you to do so. Because Bob, like what you did with the other company which Im sure it was Philam or Platinum plans (Previous FFI/Danvil employees work here now), it will definitely work with Danvil also. If you have card and you dont want the plan, are going to give it to the sales person? and as what you said you did not agree. But no offense to the people who got the plan and stated that “i dunno why I gave my card or something” alam nila na kukuha sila ng plan, hindi kami namimilit kung ayaw but we do persist if medyo yun nga, “tanga-tanga” yung client we keep on pushing making her/him realize how good the product is. after that maybe there is like 30 mins to fill the papers, if you are not decided you can back out kung talagang ayaw once nasa presentation room kapa, after all the papers is filled meron manager to CONFIRM regarding the plan, he/she will ask you if you are happy for getting it, kung sasabihin mong hindi ka HAPPY automatic cancel na yun, if you are not aware of the initial deposit deducted from your card, then the papers wont be pushed through and everything is discussed sa confirmation including payment due dates and Plan-termination values. After that the last statement of the manager he/she will ask you “If are not happy for getting the plan today. I have the authority to cancel this, but if you are happy then I will sign but the moment you step out of the room and you will come back the initial deposit is no longer refundable, so mam/sir will I approve or cancel?” duon palang pwedi kanang magback out and I’ve tried this marami akong clients before na dito palana sa confirmation napapacancel na and we cant do anything kung di charge-back basta within the day like what happen to your mom ba? So that’s it BOB, even if you ask diane or other planholders they are ask by the same question I told you, so it’s not our fault anymore kung nag agree na ang mga clients,, see even you know that some of your friends here gave their consent when they gave their credit cards dahil hindi naman kami magnanakaw, we always ask for your permission dahil if ayaw mo talaga wala kaming magagawa. So I hope this helps..
For those who dont want to continue their plans, you can just stop paying, you can reinstate you plan after 2 years or you can transfer to other people. Actually Bob I am a planholder right now! I was a planholder before I was an employee with the company.. so biktima din ako-so to speak but consider it a blessing coz if not baka wala akong nakita sa pera ko up to now. I didnt mean to hurt everyone here, I just want you to understand our side, Take care!
Point taken Philip. I guess you’re really into Danvil, 45 minutes is bearable, but how about the others who waited for like 2-3 hours? Do you have anything to say about that?
Just feel free to reply and hopefully the readers here take a hear your side.
Remember that I’ve posted this entry to help those people who felt cheated, and I believe you’re now here to defend the company. So let’s have a good clean swap of replies.
:no1:
Thanks Bob!
I hope everybody here now understand, the entire scenario and I am really sure that they could all relate to what I have posted.
Regarding the presentation time, again Bob, you are still in control. There is no need to spend 2-3 hours to close a deal. In my own experience, there was a time that it only took me at least 15 mins. for the client to agree on the spot with me plus the processing time of at least 30 mins. the documents to be delivered total 45 mins. Again, it is the control of the client if they don’t want to listen anymore, you can tell the consultant “please stop, I am not interested” and we cant do anything, then actually you can walk-out of the office (as what others did) if you are really in a hurry. But those who spent a long time in the room, although it is hard for others to ADMIT are actually interested to what we are talking about inside. Actually, the point of the presentation is that we don’t talk none-sense in the closing room that is why because the TOPICS of the conversation is very interesting which involves your family, your dreams and your future, clients lose track of the time. Even if you will ask those people who got the plan could attest to this; somebody even posted that he/she felt “hypnotized”. A “DEFENSE MECHANISM” coined by most clients, defending themselves and pass on the blame to us. You and I know that there is no such thing as “HYPNOTISM”, and we don’t have that kind of talent. And they themselves know the reason as to why they got the plan in the first place they just don’t want to admit that they are interested-in a way, in the plan.
And Bob, another reason is that before the presentation starts we will make sure that we have already established a good relationship with them and building rapport at the same time. Subsequently, even if I ask you Bob, you will spend like only 5 mins in the presentation room and I will ask you to get a plan from us, how will you feel? You feel threatened right? Are you going to get it? Of course not, right? We follow a certain sequence; we will build a “need” for our clients to get the plan. Coz do you buy things that you don’t need Bob? And lastly we let the clients realize the sense of urgency to get it coz life is uncertain, you’ll never know what will happen to you after the presentation. And all of the people here could relate to this.
That is the reason some presentations are very long because clients are interacting with the sales person since again the conversation is interesting enough for them to stay that long. You can try it for yourself and you decide.
In getting a plan from us involves the client’s consent, permission and interest during that moment but when they step outside our office and because of negative press people thought we are a “SCAM”.
I must admit Bob; we are only a VICTIM of bad press and mass hysteria. But in spite of this adversity, there are still a lot of plan holders who trust and remain loyal to the company and all these years we stand firm in SM chain of malls.
I hope that this will help and guide our clients. Thank you for the opportunity. If you still have any more complaints or questions I will be glad to post my opinion.
AND TO THE GUY NAMED RAYMUNDPILAPIL WHO QUOTED:
…victimized by those patay-gutom na taga Danvil.- raymundpilapil
…To all employees of Danvil, di ba kayo nahihiya once na nag aaply kayo sa iba atnakikita ang reference ninyo that you’ve been employed at Danvil?
Ako sa inyo, once you got that job at Danvil, make it your last. Stsy na lang kayo hanggang sa makulong at mapatay jan….
MGA DANVIL BUWiTRE, PWEE!!!!!!-RAYMUNDPILAPIL
I FINALLY FOUND MYSELF IN A VERY DISGRACEFUL POSITION RIGHT NOW,I CANT IMAGINE MYSELF NA PUMATOL SA GNITONG KLASENG CONVERSATION BUT ANYWAY TO SAY THAT PATAY GUTOM ANG MGA TGA DANVIL IS REALLY BELOW THE BELT I JUST WANT TO INFORM YOU MR PILAPIL NA TAX LNG NMIN IS SWELDO NIO NA WHY DONT YOU CHECK SA BIR KUNG MGKNU MGA ITR NAMIN JAN !AND TO SAY N NAKAKAHIYA N MGWORK DUN AT GMITIN N REFERENCE BUT EXCUSE ME I BEG TO DISAGREE COZ RYT NOW IM WORKING IN AN INTNL BRITISH BANK HERE IN UAE AS A BANKER AND MIND YOU MY 1 MNTH SALARY IS YOUR SALARY FOR 5 YEARS ALREADY,SO TO SAY N MGA PATAY GUTOM KMI CHECK YOUR ITR FIRST COMPARED SA MGA NGWOWORK JAN PLEASE DO A REALITY CHECK,RYT NOW EX DANVIL EMPLOYEES ARE SOARING HIGH N FLYING HIGH SA MGA WORK NMIN DTO SA ABROAD ALL BECAUSE OF THE TRAINING WE GOT FROM THERE!
ITS JUST PLAIN COMMON SENSE,10 TO 15 YEARS FROM NOW 2 LNG PWD N SITWASYON MO ITS EITHER MY PERA K O WALA,WALANG TAO N NAG IPON N NGSISI,
TO SAT THAT WE ARE FORCING CLIENTS TO GET PLAN IS NOT TRUE,BASED ON FACTS AND NOT HEARSAY ONLY OK,10% LNG PO NG PUMAPASOK SA OFFICE NMIN ANG KUMUKUHA NG PLAN MEANING THE REMAINING 90%WERE ABLE TO SAY NO AND NOT TO SIGN ANYTHING SO IN SHORT YOU HAVE NO OBLIGATION UNLESS IABOT MO ANG CREDIT CARD MO AT IPASWIPE MO.
FOR ME WORKING THERE IS A NOBLE JOB ,TO HELP FILIPINO FAMILIES TO SAVE FOR THERE FUTURE,BUT ITS USELESS TO EXPLAIN THESE THINGS TO PEOPLE N MGA MAHIHINA ANG PG IISIP COZ THEY WILL ALWAYS FIND REASONS NOT TO SAVE.
i think Shakira is just a disguised Philip…look at the caps…and the words chosen…
LoL!
I can never tell dizzy, though they have different email and ip adds’, I can’t tell yet.
To the readers this is a chance for you guys to have a good look and tell yourselves how work on your situation, just feel free to ask us. Thanks.
To Dizzy:
i think Shakira is just a disguised Philip…look at the caps…and the words chosen…
LoL!
Actually Dizzy, I also circulated this blog to all Family First/Danvil employees/ ex-employees all over the world. So, just be prepared of what they have to say also. I already posted what I wanted to post here,, so others might post here as well. Other comments like as what Shakira posted were really below the belt and it is also true that we are really having good offers here abroad. So, anyways good luck to all of you!
What am I supposed to do? I am so stupid. Ngayon ko lang nabasa ang mga ito nang nagsearch ako for legacy and danvil.
You see guys, bumili ako ng plan nila last November 2007. May savings naman talaga ako. That time, I was really looking for an insurance provider. Danvil came to me and they convinced me to buy one of their plan design.
Ok na sana. I’m always on time pagbayad until I got this letter from Danvil. The letter stated that their company will transfer my plan to Legacy Consolidated Inc. Legacy will assume all original terms and conditions stated in the plans previously issued by Danvil. I was really shocked. Paano na kaya iyong pera ko? I don’t even know Legacy Consolidated Inc. Medyo malaki na rin naibayad ko. Sabi pa doon sa letter, if in case I object to the transfer, I can get the termination value of my plan based on the contract. That is impossible! I am new to the plan and based on the contract, I will get nothing.
Nagsearch nga ako to get more info. At nakita ko nga itong site nato. Nanlulumo talaga ako. Nalugi kaya sila? Hindi ko pa alam ang next steps ko.
This coming Saturday, makikipagmeet ako sa isang lawyer na former classmate ng friend ko. Hindi ko pa alam gagawin ko.
please send info to me at owen_estabillo@yahoo.com
TO MR. RAYMUND PILAPIL…how dare you na sabihin na patay gutom ang mga taga DANVIL EXCUSEME ME kaya kong BILHIN ang pagkatao mo NO!!!palibhasa NFA rice lang ang kaya mong bilhin…
F.Y.I MORE THAN 50,000 ANG PLAN HOLDER ng DANVIL compare sa mga nagcocomplain dyan..sinasabi nila na more than an hours silang nakahold sa office hindi naman kayo nakagapos pwede kayong lumabas.. pinilit daw? pleeaaseee…YOU CAN SAY YES AND YOU CAN SAY NO..to sign all the legal documents, all personal information sa2bihin na nahypnotized sila..
Hay naku palibhasa mga tanga lng ang mga nagcocomplain.. kasi pag mga lawyer,doctor, nurses,engineer na mga client from abroad and phils.,did’nt even complain because they know what they are doing and they are very thankful to DANVIL because the company help them to secure the future of their family.. SAD to say why is it there’s a lot of people don’t know how to perceive the value of what the danvil PEOPLE showing to them
DIZZY,
I BEG TO DISAGREE ,CAPS N WORDS CHOSEN????WE ARE JUST BOTH EDUCATED,SAME TRAINNG DIN NG PINAKAEXPENSIVE N RICH COMPANIES LNG SA u.s.a. nkakaafford pkicheck nln ang global direct llc coz i think its 50k, 5 years ago per training dun…its so happened that we attended the same trainings sponsored by the company of which out of 50 seminars i think 20k is the lowest payment.the reason why in 45 minutes just by merely selling ‘pangako ,paper n pencil sa inyo’ a client hands out 100k to us.IN REALITY PANGAKO ANG BINAYARAN NIO.
NGKATAON LNG CGURO N ROOKIE NGPRESENT SA INYO KC USUALLY WE HANDLE LAWYERS,DOCTORS N NURSES ABROAD,OFW,PG MALILIIT LIMIT OR DECLINE N ANG CARD PINAGPAPARACTISAN LNG NG ROOKIE NMIN,
SO IF YOU THINK LESS OF US AS WHAT YOU PEOPLE ARE SAYING HERE NA LOWLIFE KMI,THINK TWICE KC BKA KYO YUN IN FACT PINAGPRACTISAN LNG KYO NG ROOKIE,
NGKATAON LNG N WALA KYO EXTRA MONEY COZ GIVEN THE CHANCE KUNG MY EXTRA K AT WALANG PGGAGAMITAN BKIT DI MO IIPUNIN,,,,IN SHORT BUDGET PERA ANG PROBLEMA!
GREAT CONSULTANTS ARE ALWAYS GIVEN TO BIG TIME CLIENTS,KUNG SWELDO IS MALIIT OR HINDI INTERNATIONAL CARD MO MALAMANG ROOKIE ANG TATAPAT SYO.
SO BGO KA MANLAIT ICIPIN MO MUNA BKA BEHIND YOUR BACK IKAW PLA YUN PINAGPRACTISAN LNG DUN DHIL MALIIT SWELDO MO.
COZ I PERSONALLY DONT TALK SA MGA CLIENTE NA LESS THAN 100K ANG SWELDO MNTHLY WHEN I WAS WORKING THERE SINISILIP KO MUNA AT KINIKILATIS BGO KAUSAPIN LAM, MO NA SO AS NOT TO WASTE MY TIME SA MGA MALIIT ANG SWELDO!!!!!!
Hi Owen,
Like you I am also a planholder of Family First/Danvil last year March 2007 and I am also a previous employee of this company.
You dont need to panic about this situation, I have direct contacts from the inside and there’s really nothing to worry about. The main reason why it was transfered to Legacy plans is because of the liscensing issue, SEC no longer issue license for new Pre-need companies, Danvil even though it was a former “Berkley/Family First” the 100% buyout categorizes the company as a new company. It is best for existing planholders like us at least retain pa rin naman ang provisions na nasa contract natin as agreed with Legacy Consolidated. Generally, this merger would bring about a stronger financial capability for this two companies. So just dont mind the comments of these people who are here, they dont know anything about pre-need, insurances and savings. They are just claim themselves as victims of such actions that themselves made.
And ask your lawyer also with his opinion, otherwise visit the branch and inquire regarding what they have to say,, tapos balitaan mo naman ako coz im here abroad. here’s my email imsocute192001@gmail.com,, thanks!
To the moderator:
I cant see why you did not publish my other collegues post in here, i thought this is going to be a discussion between those who made a complain against DANVIL as a whole. If you will not give a chance for us to voice out, it means that all that I thought about these people here are all true. please give me ur reply in my email at imsocute192001@gmail.com
Ok Philip, I intentionally placed the posts of your colleagues on hold. Why? I’m smelling something fishy with the last two posts, the time difference and the way of writing was done as if there’s only one writer. The same goes with the time difference of the post created. Anyway I believe you alone can bear the complaints of the people here. Don’t worry though, their posts were not deleted, I just find it irrelevant and will just make the other visitors more frustrated. If you’re here to defend the company, feel free Philip. Good day.
hi bob! it’s been a while since i last visited your blog. grabe ang lively nman dito..
galit na galit ata tong si philip? hmm bakit kaya? may pa capslock2 pa. halatang very professional.
philip, sabi mo:
“hindi kami namimilit kung ayaw but we do persist if medyo yun nga, “tanga-tanga” yung client we keep on pushing making her/him realize how good the product is.”
eh di inamin mo rin na panloloko yung ginagawa nnyu.
ang inaattacke nyu yung mga weakling tulad ko. tsktsk
kung talagang gusto ng danvil na makatulong dapat they make sure na naiintindihan ng client nla yung pinagsasabi nila. at sana may libreng snacks or lunch or dinner kayu habang may presentation. eh ginugutom nnyu yung mga clients nnyu. ayan tuloy di na makapagisip ng tama. tactic nyo ata yan eh. hehe
at isa pa yang customer service ng danvil na yan. walang sumasagot. napapagud na cguru kayu sa mga reklamo.
sayang lng.. kc if iba yung marketing strategy ng danvil, cguru mas maraming clients clang marerecruit, kesa planholders na mag magcacancel.
btw bob, i decided to cancel my plan and just forget about the 9k they got for my initial deposit. i talked to a agent from citibank and she gave me an option to just change my cc number. hindi kc assurance na ikinansel nga talaga ng danvil yun plan ko at di na magdedebit sa account ko. panigurado lng.
hehe cgi po. mga taga danvil ingat kayu!
more complains coming up!
good work arachi. its nice to hear that… btw, i’ve approved the comments made by shakira and rainlou, and while reading on arachi’s comment, i tried to re-read the pending posts by the pro-danvil camp.
i’ve noticed on shakira’s post, you personally check on people’s account? hmm… two words. wrong move.
wasting time on people who has low income? hmm… well i guess you just ate your own words there my friend, you come here saying that the people complaining here are all but shit, but go take a good look on what you’re doing.
is that the way you try to help other people? tsk tsk tsk…
to philip: see? that’s why i placed these posts on hold. the site’s always open for you to reply. good day.
:no1:
@arachi – I agree about how bad their customer service hotline is. I’ve been waiting for like 30 minutes already but still no one’s answering. Danvil should remember not to waste their client’s time. We all have work to do, things to do. Sila nga na itong nakaistorbo, sila pa yung malakas ang loob na magpahintay.
Better pa kung pumunta na lang sa office ng Danvil sa Makati, at least harap-harapan. At least we can do something about it ‘pag pinaghihintay tayo nang matagal.
LOL, sorry Bob, but really havent seen their comments yet so I have no idea if it was so harsh for your friends here. We are not actually from the same place and I think you can figure it out. Such harsh words are initial reaction Bob from the accusations that other people here have posted against Danvil employees. So, i think it is only fair that other people should read what other Danvil employees have to say whether it may be relevant or not in line with your topics here.
For planholders: who are serious about cancelling their plans its your call, you will definitely lose money but if you want to maximize the value of your money you have the option to put it on hold for two months avail the grace period or 2 years reinstatement period. Or you can transfer this plan to whomever, guys seriously pre-need companies are regulated by the government so you need not worry about its capability in the future, so think about it. Even if you will go to Pre-need federation of the Phils., they will tell you the same thing. As long as you have your contract with you.
For those people who are not planholders and still made a complaint here, this is a free country you can post whatever you want as long as Danvil Camp can also post whatever we want. Is it fair Bob?
Hi Shakira.. sinisira mo yung company mo. lagut ka. hihih
clients wouldn’t know if rookie or manager or owner yung nageentertain sa kanya. responsibility yun ng danvil na iharap sa clients yung matitino nilang mga empleyado. whether big time or hindi yung prospect client.
kung ganun talaga ka yaman ng company nnyu di nyu na siguru kelangan gumawa ng gimik at mamigay ng payung at kung anu-ano pa sa mall! at siguru pwd kayung maghire ng mga agents para sa customer service nnyu para nman may makausap yung mga magcacancel ng plans.
pinagmamalaki mo pa na natrain ka sa u.s.a tas kung umasta ka para kang undergrad.
umayus ka kapatid, your representing your company here.
peace!
To arachi:
“ang inaattacke nyu yung mga weakling tulad ko. tsktsk”-business is business sir arachi and in the long run naman ikaw rin makinabang nyan eh, bakit no offense, tell me if something happens to you right now, can anybody here in this blog can help your remaining beneficiaries financially??? Cge nga? Read you contract again! Baka naman kasi hindi binabasa ang contrata mo arachi?!
Because you know what people you always thought na pagkumha kayo ng plan namin the way we make it at Danvil feeling nyo naiisahan kayo! Which is actually a wrong reaction, mind you in the long run kayo din makikinabang nyan at bakit ako din planholder din ako ah, im paying 2700 monthly, but when i got the plan di talga pumasok sa isip ko na nakuhanan ako ng pera dahil hawak ko naman lhat ng contract.
Kaya Filipinos are way behind in terms of investment, you know what guys here abroad you dont need to convince people here to get insurance sila na mismo alam nila how important it is. And besides bakit kung sa tingin mo kung di ka pinilit that day na kumuha ng plan, I dont think na babalik ka to get it some other day. Kaya its better to get something habang kaya mo, nagustohan mo, nakakatulong sa yo.
And see arachi why wont you admit na on that day, naramdaman mo na gusto mo ang plan at tingin mo makakatulong ito. Mahirap bang aminin yun? Kasi po ika nga only 10% lang sa pumapasok sa office namin ang kumukuha ng plan, 90% po nag “NO” po sila. At 1% out of the 10% lang po ang nagpapacancel eto yung mga “TANGA” talaga! Eto yung namigay ng pera sa company at itong pera pong ito ay hindi po mapupunta sa employees mind you guys sa companya po. Kaya nga di namin encourage planholders to cancel their plan kasi nga po lugi nga sila. So I hope hindi ka kabilang sa 1% na ito.
hi! its been awhile since ive posted here.. i jsut reread ung mga last post dito sa blog mo bob…
Shakira, I was very disappointed on how you look on people you deal with in your company (kung lahat ng agents nyo ganyan ang mentality), apparently, tinitignan nyo ung person based on their money and assigning your consultants based on that.. correct me if im mistaken, pero ang sabi ng consultant ng Danvil na kumausap sakin is to help ur clients to save for the future, sabi pa nga niya tinutulungan daw ng DANVIL ung all Filipinos to save for the future, so sa sinasabi mo hndi mo kinakausap ung other clients below 100k ang income? that means di kasali sa goal mo ung all Filipinos or maybe di un tlga ung goal ng company you from the start baka kasi ung kumausap sakin ay rookie lang since di 100k ung sweldo ko..
bka nga pinagprapractisan lang ako ng rookie ng isang company na nagpromise na me makukuha akong money after 15 years… besides di nga ako big time client, di 100k ang income ko
Ano kaya ung mararamdaman ng mga clients nyo if nalaman nila na ganun pala ung system nyo sa Danvil (or maybe ikaw lang) na sinisilip ung monthly income before mo kausapin and inaasign sila sa rookies nyo if ever di pasok sa tintawag nyong “big time clients”, company policy ba yan? dapat isama nyo yan sa company presentation nyo… and para di nyo na silipin pa at kilatisin ung tao, may pagtpos ng tanong na” sir me credit card po ba kayo” sunod ay how much income nyo?
i agree arachi about their marketing strategy, cguro if they changed it bka marami magavail ng plan nila, btw sabi pala ni rainlou na more than 50,000 clients ng danvil so i guess kht madami na silang client they still invite more clients through their can i say “aggressive” way of bringing people to their office, sana lang alam nun mga tao na nainvite ng DANVIL na meron palang quota kung san ka mapupunta sa great or sa rookie ka mapupunta based on your monthly income… advice ko sana sa DANVIL maybe if their goal is to have more BIG time clients dpat dun sila sa mga mas high end na malls…
bob & arachi, i also cancelled my plan in DANVIL, buti nlang nalaman ko kay Shakira how their company deal with people… i hope people will be well-informed before going to DANVIL’s ofc because some people are “Tanga-tanga” like me and arachi, maybe if i have read this blog, di ako pupunta dun…
Good luck sa mga tga DANVIL, God bless to all!
Fair country? Hmm yes you’re right Philip and yes I’m also free to do whatever I want in my site since this is my site.
I guess you got the idea why I placed the posts on hold right? As the owner of the site I have the right to approve, hold or deny every comment.
And one more thing… As far as I could remember, when my card was swiped, no contract was presented to me. Care to explain that incident Philip? I was already speaking w/ one of the managers at that time. But where’s that contract? And I gave them a heads-up that my card doesn’t have enough funds to collect the money, so I let them check my card, not push the charge right away.
Bob, I dunno if you still remember, but we need an authority to charge form bago man kami pwedi magswipe ng card. Kaya nga di umobra si Tulfo eh coz when they made an operation there everything was under control and legally-based. Di po kami nagiisue ng contract if you have not done the confirmation process, please review my previous post,, Confirmation process is when a manager will ask you if you are really happy in getting the plan she/he will approve if not she/he has the authority to cancel. I think di ka umabot sa stage na to so no contract issued to you. As ive mentioned Jay and arachi could attest to this, that they went with the same process.
At isa pa, if you really dont want the plan as ive said before you can always say “NO”. With regards naman sa post ni Shakira and rainlou, well they have their own opinion, I also did not expect that but everything they just said are all true, grabe naman kasi ang pagmaliit ng ibang dito sa amin with words such as patay-gutom and etc. well infact we were working hard also to achieve what we have now.
It is also true that we earn commissions in amounts you cannot imagine, we often view our clients as money, i cant deny that, we were motivated more to do our work well. The rookies na nagpapractice sa inyo will become future managers of the company kaming lahat dumaan sa practice, all has have encountered clients like you Bob, Jay and arachi when we were rookies too! kaya ngayon most of us are here abroad dealing with big time clients and other high status individuals.
In the long run, those clients who got a plan with us will reap the fruits of their savings, if something happens to them then the company is obliged to pay their families with amounts you cant measure depending upon their policies. So, it doesnt matter how we convince people to get the plan what matters is we know that if a client will get a plan from us, at least part of their FUTURE IS SECURED ALREADY. which i think is more important than anything else. mind you Bob, I know a lot of clients who thanked us for convincing them especially those beneficiaries whose family member has a plan with us and met a bad fate like accidental death and etc., their families got million pesos even more, think about it if the planholder decided to cancel his plan because of hearsays, misguided facts and other people’s unfactual opinions, do you think his family will get such financial security?? “NO”, so actually I do not care about all of this anymore, I am no longer connected with DANVIL, I have nothing to do with the company, I already earned a lot of money from the company which paved way to my application here abroad. I am thankful that I was connected with DANVIL, and I know that I helped a lot of people who invested with DANVIL one way or another, by hook or by crook, “pinilit man or hindi”. Ill practices man kung tawagin, its very effective for more than 10 years now, madami man nagcomplain important thing is andyan pa din ang company and it is doing a great move now by joining a stronger ally which is Legacy Consolidated, so i can see no problem at all.
True that you are helping the people here BOB, to what cancel their plan? let me ask you something, knock on wood, something happens to one of your friends here,, anong tulong pwedi mong ibigay sa kanila? can you give them half a million pesos?? worst pa because of you cancelled yung plan nila? can you imagine kung anong magiging reaction ng family nila? because of such blog nawalan sila ng financial security. If you really want to help these people, you can only do so kung maconvince mo sila to save for their future like what we are doing, medyo harsh nga lang ang style namin BUT THE END RESULT IS STILL THE SAME, NAKAPAGIPON ANG TAO!
You are smart enough I know, but think of what I have just said. Aminado na kami harsh na kung harsh ang approach, but LIFE is harsh, that is reality! Masakit man aminin na kahit ikaw cguro its hard to admit that is very hard to save money for your future na kung walang magforce sayo do so you will choose not to SAVE! That is why there is a coined term FORCED-SAVINGS, this is what we literally do. For people who dont understand this concept, then what to do, lets just wait 10-15 years from now and lets look back kung sino sa atin ang tama!
Thank you Bob for the opportunity, I apologize sa mga nasaktan dito dahil kami rin naman nasaktan din. So I think I already have said everything I have to say. I hope you will post this dahil dami important points dito! More power to your blogsite!
@Philip: The end does not justify the means.
@Diane: “The whole is greater than the sum of its parts” – Gestalt Psychology
Well I am so nauseous right now, I dunno what to say.
Let’s put it this way. I ended up paying 24 thousand downpayment, plus my monthly payment of 2,300 which started feb 15,2008 and deductions ongoing via CC. I need my money back. I am getting scared. Should I get a lawyer or just wait for a year to terminate my policy? I need your help everyone.
I know Pro-DANVIL people, no offense. You did your job. And I respect it. But Its my money, And you dont even F@#$kN know how hard it is to get it. So I need someone whose going to help me out.
PS you guys shouldnt brag about your success of how you got to go out of the country and how Danvil helped you achieved. We policy holders help DANVIL generate your freakin income. So dont you dare boast your salary on us. And Professionalism…Just by reading all your replies makes me want to cancel my account.
Good day Jacqoe, while you still can, yes, cancel your account immediately and just to make things sure, legal help would be very handy just in case something messes up.
UPDATE! I was able to get my refund of 6,650 Philippine pesos from Danvil Plans, Incorporated as of 10 June 2008.
thanks for that info Diane.
grabe… i’m so low today. kahapon lang ako nabiktima ng DANVIL na yan… i had high hopes pa naman sa kanila that they will be able to help me save money for my future. pero ngaun na nag search ako bout them, puro negative ang lumabas.
i was also “victimized” like most of you. hinarang din ako sa SM North Ed. okay naman ung mga employees na kumausap sa kin though, ganoon din ung mga spiel nila na mejo nakakinsulto. like, “23 kn wala ka pang savings? kailangang kailangan mo nga ito!”
sadly, 9500 ang nakuha nila sa akin and i don’t have any idea kung paano ko ito babawiin. nakaka brainwash kasi cla habang kausap tapos bigla nlng hihingin ung credit card mo and ang sabi ita try daw kung papayagan ako ng HSBC na i debit nlng ung 9500. ang akala ko they will inform me first kung pinayagan na ng HSBC na idebit nga ung 9500 un pla pag swipe automatic na un. so i asked the sales rep sabi niya pinayagan na un kasi na swipe na. ganoon lang ba un?
lumagpas din cla sa sinabi nila na 45 minutes na presentation time daw nila. may lakad kasi aq nun at ayaw tlg q pakawalan hangga’t hindi ako kumukuha ng insurance nila. mga 3 hours din nila ko hinold at mukhang kung hindi pa ko kumuha, hindi tlg nila ko pakawalan. bad trip tlg… nung pauwi na ko, saka lang siya parang nag sink in…
sabi nila ma credit daw ung 9500 na un sa credit card ko after 45 days. puwede ko ba ipa cancel na lang ung credit card ko bago pumasok ung 9500? hindi ba ko mapeperwisyo ng kung ano anong legal issues kung i pa cancel ko na lang ung credit card ko bago ma credit ung 9500? help, please… thanks!
“DANVIL AND MASS HYSTERIA”
MASS HYSTERIA, it is also called collective hysteria, mass psychogenic illness, or collective obsessional behavior, is the sociopsychological phenomenon of the manifestation of the same or similar hysterical symptoms by more than one person. A common manifestation of mass hysteria occurs when a group of people believe they are suffering from a similar mental and emotional state or feelings. In this case, feelings of being VICTIMIZED by the said “SCAM”, this is considered as an element of MORAL PANIC. In which, characterization of the group reaction as a moral panic requires a presumption that the group’s perceptions are UNFOUNDED or EXAGGERATED. “Manloloko yan sila!” “Panlalamang to the lowest level!” and all sorts of feedbacks.
Panics have a number of outcomes, with one being the certification to the players within the panic that what they are doing appears to warrant observation by mass media
“…nag search ako about DANVIL and puro negative po ung lumabas; internet the most power type of media as of today”
and therefore may push them further into the activities that led to the original feeling of moral panic.
In conclusion, it only boils down to one thing, if you think the plan is GOOD ENOUGH and you could AFFORD it, why not start
the plan TODAY, while you are young, healthy and has the luxury of TIME.
Why get a plan if you can’t afford it or its not good enough for you, moreover if you are no longer healthy, and you ran out of time. Nothing is certain except UNCERTAINTY!
@yvette – check with HSBC by calling their customer hotline kung na-credit na ba yung 9500. I also have HSBC card din, May 1 ko kasi na-avail yung plan ko – which was a holiday, tapos May 2 credited na agad. Check mo ASAP.
@Diane and yvette:
I think na credit na yun kasi its considered a purchase. It would be best to go directly to the office and file complaint or cancellation, reiterate your grounds for complaint coz right now they are not that stringent for cancellation, they are giving refund to special cases like that of yours Diane. In addition, you can also file a letter of hold payment so that the subsequent amount will not be automatically debited from your credit card.
But before you do this think a lot of times if you are really going to cancel and your reasons for the cancellation, if its affordability then go ahead coz it will really be a burden if you cant afford the subsequent payments but if its company credibility, think otherwise, sayang din, nasimulan mo na kasi. Coz, the company’s financial stability is very sound. You can check with SEC and Pre-need federation of the Philippines for the details.
@Philip, and everyone who is thinking of canceling their policy at Danvil: Mine is not a special case. I just read the fine prints of my policy after I realized my mistake of giving in to high-pressured salesperson like Ms Cristy. I found loopholes in the way the salesperson presented the product vis a vis the actual print on the policy. On my cancellation letter, I pointed out these loopholes; hence, with the help of the Insurance Commission and SEC, I was able to cancel my plan.
Also, persistence goes a long way. Bug SEC, bug the insurance commission, and most importantly, bug the Danvil Customer Hotline. Follow up about your case, until something good comes out of your persistence.
Just be clear and logical on your cancellation letter, so that those in Danvil will know how ineffective their sales tactics are.
SOURCE: The Manila Times is the oldest existing English language newspaper in the Philippines. It is published daily by The Manila Times Publishing Corp. with editorial and administrative offices at 371 A. Bonifacio Drive, Port Area, Manila.
QUOTES FROM: “Danvil preneed portfolio to transfer to Legacy” (JUNE 06, 2008) by: Likha C. Cuevas-Miel
…Based on its published notice to policyholders, “Legacy has agreed to assume, under their original terms and conditions, all in-force education and pension plans previously issued by Danvil.”
…the company only has one preneed product to date, and 80,000 policyholders, most of whom are families based in Metro Manila of overseas Filipino workers.
…“I want to emphasize that Danvil Plans’ trust fund worth P4 billion held by its trustee banks is still intact and will only be used by Legacy for the sole purpose of paying for the maturities of the plan holders,” the firm’s corporate communications chief added. –Gina dela Vega Cruz
…At the time of the sale, Berkley has 60,000 active policies and trust fund assets of P3.8 billion with policy-holder liability of P3.2 billion with trustee banks.
…Daniel L. Villanueva, owner of Danvil Holdings and former Berkley International chief finance officer, said last year he planned to overhaul Berkley ’s products and let these evolve into mutual funds that are not presently available to the B and C markets.
…According to de la Vega-Cruz, since Legacy will absorb Danvil’s assets, which consist of its mall-based marketing offices and most of its workforce, Villanueva may just retain his key officers for other business ventures that Danvil Holdings, the preneed firm’s parent, might pursue.
Check out the webpage: http://www.manilatimes.net/national/2008/june/06/yehey/business/20080606bus12.html
You can be company of the year for all I care, but you are still the undisputed Douchebags of the Century.
Not everything that is legal is ethical. And these practices are among the most unethical I have ever seen.
Well said Marcelle. :no1:
@PHILIP
Your job is probably to make counter attacks (on the ‘net) at what is probably THE GENERAL PUBLIC’s opinion, and my oh my, you are certainly well paid for it because your have given up your morals and ethics.
YES, you are a legal company, syempre, pagkasetup at register mo ng business mo, matino pa kayo. You’re just starting. But do unethical things tapos sasabihin nyo na you are a registered business, etc etc? And calling your clients stupid and uneducated? YOU SHOULD BE STRIPPED OFF OF YOUR LEGALITY AS A COMPANY!
Your ways are unethical and intrusive. Beware, consumer rights are there for a reason.
Help! I am victim of this fucking scam! though I paid in cash. shet! nanghihinyang tuloy ako!!!! help me out. i just sent an email sa Danvil about my account termination. I know I already paid a huge sum of money to them, pero shet…cancel ko na to. I don’t want to participate in this kinds of scams. Son of a bitch! Skwater pala yung mga yun. I’m going back there Monday to cancel my account.
Hi Matt, that’s your money, definitely you have all the right to cancel your deal w/ them. ^__^
http://www.manilatimes.net/national/2008/june/06/yehey/business/20080606bus12.html
ahem those are press releases given out by Danvil through a hard copy or press conference and re-written by Likha.
What I’d like to read are testimonials from clients that are interviewed by journalists and bloggers. Not testimonials gathered by Danvil.
I believe Diane said something about this, if I got it correctly, right after the complaint was sent to SEC, this report spawned in an instant, its just like they’re transferring the blame to someone else, but the management and the crew and the tactics are all the same.
oo nga mga hayup na yan sila pati ang asawa ko muntik na nila madale sabi nila 15mins pucha sila naiyak na yung baby namin tapos tatarantaduhin pa nila yung asawa ko.. buti na lang nagiskandalo yung asawa ko dun na ibalik yung pera nya.. hay hayup yan sila magpasalamat sila wala ako jan sa phil. nako pamilya ko pa gagaguhin nila! dapat alam nyo sabihin natin sa xxx yang modus operande nila para madala yang mga hayup na yan!
really PHILIP? hinihingi niyo muna ang permission bago nyo i swipe ang card? howcome halos lahat ng tao dito nabibigla nalang na may lumalabas na receipt? yung sakin very fresh pa sa memory ko..ang term na ginamit sakin is “verify” ..ang sabi ibe verify lang daw…
verify=confirm, authenticate, validate (this is according to ‘our’ dictionary)
may sarili bang dictionary na ginagamit ang mga DANVIL people at naiba ang meaning ng verify? in that case…
attention posters! when they say verify they mean swipe! put that in mind..so you will not be mislead! ok?!
tsk..tayo kasi eh ‘TANGA-TANGA’..
anyways philip..nice alternick! shakira? wow! bading na bading!
and one more thing…why do THEY have to constantly change their company name? as far as i could remember ang daming naging reklamo about family first…at yung nag approach sakin na babae..asked me if was familiar dun sa family first..ang sabi ko ‘medyo’ then she said ‘ ah baka kasi isipin niyo kami yung family first dahil yung dating office nila gamit namin’..see? dun palang panloloko na eh..bakit kailangan niyang ideny na sila din yun? ang weird talaga ng feeling dun sa loob! ang daming nagko compliment sayo..hindi naman ako na pa flatter sa mga compliment nila dahil alam ko naman na hindi totoo..kesyo blooming daw ang face ko..eh ang dami ko ngang pimples that time..hindi na natural yung ginagawa nila! so annoying!
its funny… i have nothing about bussiness… and im not sure if they are scams… but u know people talk about it. what pisses me off is that when i refused the offer and left…
kse diba u are only given 45 mins right… eh – theyre time is up. haay!! sbe ba naman… ganun ba daw ako mag trato ng tao!? ganun ba daw profesionalism ko? be profeesional… tinakot pa ako ng manager!!! saan daw ako nag tratrabaho? anu daw pangalan ko!!?? excuse me!!!
hay nagkamali sila ng kaaway this time.
…just been a victim yesterday.. can i void may transaction?.. it’s just happened yesterday.. i think its not too late..i called my credit card company.. and they say that i can retrieved my initial deposit if that fuckin’ Danvil Plans will void my transaction.. i wrote a cancellation letter to Danvil, and a complaint letter to SEC and IC.. i hope that i can get back the amount they’ve just debited on may credit card.. When i saw one of their employees walking near by my office building.. kawawa sya.. titirahin tlga nmin sila! even if she’s a boy or a girl.
I think Philip is gay… I’m not against that… I think you have just been showered with those blessings you’ve got on those pesky transaction… Kumita ka kasi kaya nabulag ka kumpanya na yan…
Philip, you should shut your mouth… Don’t you see that you are the only whose side is on Danvil….????
Get a grip and admit na manloloko kumpanya mo…. Di mo kasi maatim na mawalan ng malaking komisyon.. komisyon sa panloloko.
Anyway, k lang makulong ka rin sa Bilibid… Dami guys dun.. kaya sulit
Hi guys,
I hope this statement wont hurt you…
Kaming mga “patay gutom” na ex employee of the said company is now soaring high and having a good career here broad. Thank God that Danvil (family First, Berkley) was there and still exist because it helps us a lot found a successful career.
First and & foremost in the long run who would benefit to that policy youre talking about? Is it us, them or you & your family?
Come to think of this, do you think hearsay and other people will help you & your family in time of needs? Or the one that your referring to (insurance) will be a great help? Or better, kindly ask yourself if you can save such money in just a couple of years?
Well, I’m not into anything it’s just that i believe that people buy because theyhave the need to buy that certain things especially if its for their love one’s, right?
And also, it’s up to you if you sign up or not. . . We make our own decisions and i think nobody wants to be forced in a certain things they dont like, ryt?
Have great day …
I understand where you’re coming from and looks like you’ve earned a fortune in that company kelai, perhaps the company that you’re protecting is not the same company that helped you earn that kind of life you’re living right now. Sorry but you can’t to no avail, the company cannot abuse, maltreat, and embarrass people to want to say NO to their offer.
Good day.
(P.S. daming ginto ah. lol)
well bob, everybody’s entitled to their own opinion, ryt? . . . I just dont understand where you’re hatred coming from. . Coz kinda deep huh.!
Attacked the company for all i care but just one thing dont blame the employees and dont degrade the person behind thAT because they’re just doing what is just. Maybe, in some people the company did satisfied some clients and so to speak you are not one of them. To you and for all the people who have hurt by the company way of bulding needs to let people buy for the product, me myself my deepest and sincerest apology.
I hope one day the hatred you had in your heart will just simply vanished if something will come up good for the sake of the company. Well, let’s just hope that it would be for benefits of those people who have already invest for their future. . .
God Bless.
Hatred you say? Well I’m a kind of person who hates to hate people, but I hate the deed that they’re doing to these people who ranted in this page kelai, I’m long over in my case, since I was able to manage to outwit the manager and the representative who blatantly asked for my salary, isn’t that insulting if you’re on my place? One more thing, I can say whatever I want coz’ this site is mine. But for your sake, of course your opinion’s always welcome.
Again good day kelai.
hi Bob,
I just want to konow sana if you were able to get your money back. I have a similar issue kasi.. nag ka leche leche yung card ko dahil sa wrong info na binigay nila..
I want to cancel my account pero pag tumatawag ako sa Danvil plans, walang available na customer service..
email me back. thanks!
i was a victim too…halos parepareho lang tayo ng kwento.
ang masasabi ko lng, makarma sana ang DANVIL/ FAMILY FIRST.
nakakarma na yata kasi nagdeclare na sila ng bankruptcy kaya nagchange ng name.
to kelai:
i am a person who doesnt place the word hate in my heart, kasi i know that hate will ruin myself…i am 27yo and i never hated anyone in my life (too good to be true but it’s the truth), until i met the evils from danvil. bakit di dapat sisihin ang employees nila eh sila ang nanloloko sa mga tao. lucky you di nangyari sau ung nangyari s amin, you will never feel how we feel kasi di nangyari sau. you, as ex-employee of danvil/familyfirst, knew that panloloko ang ginagawa nyo bakit nyo pa ginagawa? and you are so proud that you reached the top kasi tinulungan kayo ng demonyong may-ari ng familyfirst…yeah demonyo sya at ang mga emplyado nya ang mga galamay. if you’re talking about the benefits of the policy/insurance or whatever, the hell I care!!! ang problema is the marketing strategy, panlilinlang at panloloko. kahit umaayaw na ako, sobrang they mobbed me para lng mapigilan, me alone against 5 evils pinipigilan ako tumayo, and nakipagaway ako nung niswipe ung card ko, pero wala din nangyari. umuwi na lng ako na umiiyak, literally naglalakad akong umiiyak.
wag kayo maniniwala dun sa sinabi ni Philip about the DANVIL.
Client ng friend ko ang danvil, alam nila ang status ng books nila. sinabi bagsak na tlaga sila.
anyway, SURE AKO BAKLA SI PHILIP kasi when I went to DANVIL’S office para magreklamo, hinarap ako ng mga lecheng bakla!!! (i have nothing against gays)
?
bottom line nyan is tanga ka BOB!!!\
di mo pala alam ang pinapasok mo tapos para kang bading na ngawa ng ngawa dyan!
@kaye
Lol. Ka-apelyido pa naman kita, magbasa ka na muna bago ka humirit. oke?
See? Can you entrust your money with these kind of people? You decide. Let me remind you guys (pro-Danvil peeps) that I’ve escaped from your shameful scam, and what I’m doing here is helping them out, even with this post, it gives me a sigh of relief whenever a person gets their money back.
@kaye,
sorry lady, but ur blocked. :gg: go rant somewhere else. :gg:
GOOD NEWS, I’VE GOT MY REFUND OF P23,450 FROM DANVIL. yung transaction ko sa danvil eh nung last MAy 8 pa. but with the help of Diane and IC and SEC, nabawi ko din. i just filed a complaint to danvil plans last june 12, and luckily they have granted me full refund. i also have the same letter from Ms Aurora Diño as of diane stating that they have granted me the full refund of my two policies, one amounting to 16,800 and the other is 6,650. danvil have sent the letter and the credit memo to their bank last june 27, and as of July 3, 2008, the 16,800 was credited back to my CC, im still waiting for the 6,650 to be credited to my other CC. for those who wants to get their refund, just do the following. First send a letter of complaint to Danvil head office at makati, state in your letter lahat ng points like that there is no “NO REFUND” words stated in your contract. and since it is your money you have the right for it. pera nyo yun at hindi nyo pera yun. Try to be peaceful sa letter, wag nyo akusahan ang company ng ung anu anu, maybe it will be a ground para hindi nila ibigay ang refund. sakin kasi nilagay ko dun, unang una, wala akong pinirmahan na nagsasabi na “NOT REFUNDABLE”. Pag nasa head office ka na, be firm, kasi kakausapin ka nila at sasabihin pa din nila na hindi refundable yung policy, basta be firm na gusto mo talaga mabawi ang pera mo. then later on they will get your letter, make sure you have a receiving copy. then sasabihin nila na ipapasa nila iyon sa higher management, kasi sila ang magdedecide kung aprobahan ang refund mo. they will also get the original policy. then wait ka na lang 30 to 45 days. Next, submit a letter of complaint sa Insurance commission and SEC, mas maganda kung walk in ka mismo sa office nila at ipareceive personally ang letter. tapos ayun na. wait ka lang sa progress, and pray hard. syempre include nyo sa letter of complaint nyo sa IC and SEC yung address and email nyo. pati contact number. construct your letter of complaint in a RESPECTFULL manner, kung yun ba ang exact word for it, wag nyo murahin or magsabi ng bad words sa company. state nyo lang kung ano talaga gusto nyo, then sulat nyo din dun yung mga ipinangako nung sales agent na nakausap nyo, for example, ang sabi kasi sa akin, pwede ko daw bayaran yung initial deposit sa hsbc for zero interest for 6 or 12 months, depende kung ano gusto ko. pero nung na swipe na, full amount yung ginawa. i dont know how they evaluate yung letter para mabigyan kayo ng refund. and please WAG NYO ILAGAY SA LETTER nyo na “BAKIT YUNG IBA, NA-APROVED YUNG REFUND, DAPAT AKO DIN” thats a NO NO.
to danvil hater:
It’s such a bad thing danvil had caused you a lot of things. Coz as what you’ve said you never hated anybody in youre entire life and then danvil and the evil employee’s and boom in an linstant there was the hatred. . . And by the way, i thank God for not feeling what you feel or rather felt , right? he he he. .
By the way my fiend those demons are just around the corner so be careful and watch out for it coz i think little by little you will the President of those demon’s clan.. Sorry, but i just can’t help to say things such like these because i know people behind it has a good intention for the benefit of everybody…
Go with the flow, especially for the emotions that you’ve been through it might lead you to somewher. Who knows, in time we will cross and mind you you would’nt even want to cross wit the demons, huh…
hi bob,
well i think asking the salary of the person is kinda insulting if it’s not that good and if your just getting that money in such a bad way but then as i’ve said you’re entitled with your own opinion. Yah, your right this is your blog, but are you happy with the outcome of it? Good thing, at least you manage to get out of that situation.
hating the deeds of people? It’s a same thing you still feel the hate and i hope that won’t grow…
By the way thanks for posting my messages.
Just be happy. . .
to all people who hates Philip :
Just want you to know guys that TRUTH REALLY HURTS. .
And whatever your comments to him itall up to guys… You are all educated person, right???
oh kelai there’s a huge difference between hating the person for what he or she is, or what he or she’s doing. no worries, i have no grudge against you kelai, and of course, you’re always welcome here… if you ask me if i’m happy, my answer would be yes. go ahead and try viewing my other posts,
good day
personally, i don’t really care how they do it. i’m saying this not just because i have bought a plan and would desperately like to believe i won’t be shortchanged in the end. my view is that given the recent change of ownership and management of danvil, i should proceed first by assessing my future gains versus any prospectve losses. and that is how i intend to see it through till the culmination and maturity of my plan.
i’ve seen the light then (sure, it took me 2 hours to get to that point because i was psychologically resistant at first), and to me it’s still a pretty fine light right now. the fact of the matter is, danvil has a good plan. now i don’t care about them henry sys of the world or what tulfo would have said about the company (esp. since tulfo does spout some pretty amazing sh@t sometimes). but to the best of my understanding, it is a pretty okay plan. and i really did need a setup of this kind to help me save up for my future. because i knew i wasn’t swimming in cash, i bargained for the lowest possible monthly, which was quite below the figures listed in their flyers (i knew that if i was better off, i could just increase the monthly payable). although i did feel very much exasperated at their presentation style, i didn’t say yes because i was being pressured. it took me 2 hours sitting there because at the back of my head, i knew it was a possibly good thing that i stumbled into. and my fallback in case they go terminally kaput is that HSBC, a very stable and solid global banking organization, is holding my money for me (i’m not talking about the credit card faclitiy–which i know is the one that’s taking money from me). now if only anyone can say this is actually a fabrication…?
also worth mentioning is that two-thirds of their trust fund is invested in long-term government bonds (as read in http://www.abs-cbnnews.com/storyPage.aspx?storyId=102143). unless i grossly miss my mark or if the reporter posted false figures in the article, government bonds are a pretty low-risk and viably stable investment vehicle, which is a good thing for planholders like us. this is probably why danvil isn’t getting flak from financially focused blogs or what-have-you, because from a product standpoint, there is not that much of a case.
on the whole, i think that while danvil basically lacks finesse in its customer service (for some it may be downright crappy), it may be worth giving the plans that planholders have already bought a shot. yes, i think my agent was unnecessarily pushy, and i suspect some of the other agents had overstepped traditional marketing boundaries that not only put off some people but might have even effectively traumatized others by the whole idea of investing in a fund.. but logic has to win out in the end. and i think that in deciding what to do with what we’ve learned through our reading of bob’s and diane’s threads, we should attempt to be more objective about the end-goals and not let ourselves get carried away by how bad our customer experience was. biktima na kung biktima, bad na kung bad, but in the end, unless i was brazenly lied to on all key points of the danvil pitch, it doesn’t matter to me if the service delivery doesn’t keep up with the product integrity. remember, in this sense, the agents are just the messengers. they’re not the ones who developed the product. they’re not the executives who signed off on the terms and conditions set forth in the contract. maybe the agents need to implement an overhaul of their marketing strategy, or they just plainly need to undergo more training on customer sensitivity or managing customer expectations, but that doesn’t mean it’s not a sound deal that we’re getting. so long as my money doesn’t get lost in the jumble of the changing of hands that seems to be endemic within the company, then i don’t feel the need to go on an extended hate crusade that will just take up time and energy that i can redirect instead toward more important, useful things.
(PS. obviously my response is targeted toward fellow planholders that are understandably feeling panicky about the current developments)
Hi Bob, How are you? I have just read the post here in your site. I was so worried right now because I’ve got a subscription from them last May 19, 2008 and have deducted from my CC amounting of 19,000 pesos and will be payable of 4,600 pesos every First of the month which just started on July 1, 2008. I experienced the same bad tactics of their sales agent, I have waited for three hours but in the end I was convinced to be their planholder for the reason that i want to save money for my future. but then after searching in internet about the company i am feeling uneasy and thinking to stop the policy and wanting to get my money back. The problem is i was not be able to be in their office personally because i’m already here in abroad. Anyone who can help me, if possible to have a refund even i’m outside the country, is it possible to authorize someone in the philippines to process the refund?
@frankee – you have a good point. i agree with you but still i am worried for the future status of my policy. Since the tactics of their agents is not good what more the company’s relation to their clients.
Bob, may you please ask benizer3 to email me or if possible to get the email address,i have a lots of question about the refund processing. Many thanks.
Hello Bob,
Same as mimi, I am also here in abroad and my cc was regularly charge monthly by Danvil. I really dont know what will happen in the future…
Its a good thing if the promises of Danvil comes true. I like to save for my future in any way possible.
But if it comes to worst, what will happened to my hard earned money? So yes if there is any possibility to get back my money I will do and try to find another way to save other than Danvil plans. Only my big problem is that I am out of the country and my family stay far from manila.
If any news or information please send me email of those people already settled their problems.
Thank you.
Hi. Just happen to chance upon this forum and I couldn’t help but comment on it. I am a product of Berkley Int’l. Though I have resigned from the company 5 years ago. Up to this day, I am still thankful for the training and opportunity that they gave me before. I am now a national head in one of the top 20 companies in the Philippines today. I can empathize with everyone’s concern. It is hard if you don’t know what’s happening with your money. But then, I think it’s better to ask the right people who can answer all your queries. Berkley started year 1997. It only takes 10 years and after that a plan holder can make a claim from the company. Berkley, now known as Danvil, has already released claims for all matured plans.
best way to know is to check with SEC. They release statistics and other informations that would give clarity to all your questions. I hope this would help a lot of people who are worried about the plans they have availed from the company. I cannot speak for all Berkely/Danvil employees but I can attest to all of you that during my time there, there was never a time that a client complained about me or my colleagues about how we handled our presentations.
Hi Josef
For now only IC have a positive reply to my complain, i’m still waiting for the appropriate action of SEC and hopefully Danvil will refund my money. i’ve just sent my complain thru e-mail.
guys were you able to watch PROBE? na feature doon ang tungkol sa danvil…feeling ko medyo nakaganti nako…though dipa masyado..maganda kung sa tipong imbestigador eh..
hi diane. i recently watched the episode on PROBE about Danvil. It was a good thing i was still awake. im also a victim.i think i was hypnotized that day and was charged 14k on my account, please help me. i dont know where else to reach you. i still havent paid for that credit coz im not really happy about it. Im in bikol. please please help me
Yes, Danvil Plans was featured last night on Probe. Roxy and I got interviewed as well. For those who didn’t watch, Ms. Noemi of aboutmyrecovery.com uploaded the segment on YouTube.
I’m watching Noemi’s recording of the segment, chicks na chicks sa interview ah! :no1: lol! Good job! :no1:
To Philip,
First and foremost, it is unethical to write a comment in ALL CAPS. It’s like you’re shouting. We are not dumb to understand what you are implying. Goes to show that you are uneducated.
I don’t care about what you are blabbering. The fact that your marketing plan involves pressure tactics and harassing, it is considered to be a shameful, ill-mannered marketing strategy you guys have come up with.
Here’s what i have to say to you. Fuck you!
@bob: Hehe ganun? Thanks
Annyeong Haseyo, I would like to share my lambastments against Danvil, Phillip and his cohorts. Check dis eeeooowwwt!!
————-
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.
I was victimized by Danvil last July 10, 2008 in their SM Megamall Branch. Just like the experience of most people who posted here, ganun din nangyare sakin. Then on July 16, napanood ko sa Probe ung “expose” nila about danvil. Nagulat ako. Ang dami na palang complaints sa kumpanyang yan. Then nagsearch ako sa Internet then I found nga tong site na to.
I already wrote a letter sa SEC and IC yesterday to file a complaint against Danvil. Di pa ko nakakuha ng reply. I wrote Danvil an email na rin. Pero I decided to call their customer service hotline just this morning. I told them that I want my policy cancelled. They told me that if I do so, di ko na rin marerefund ung chinarge nila na 19000 sa credit card ko. The thing is, meron ngang nakalagay dun sa conditional receipt na NON-REFUNDABLE. Pero handwritten na lang sya and nakaaffix sa gilid ung signature ko. At that time kase pirma na lang ako ng pirma. I don’t know why. It was like I was under their spell.My question now is, can they really put ung words na NON-REFUNDABLE dun sa conditional receipt nila when it was not really there in the first place, that it was just handwritten? Is it legal? I read somewhere, I think it’s a post by diane sa site nya, na that constitutes fraud. Pwede ko pa kaya marefund ung pera ko? What do I have to do? Meron ba kong laban? Please, to anyone who knows the answers to my questions, please help me.
hi Bob gusto ko lang magkwento tungkol sa status ng refund ko, actually wala pa akong nakukuhang sagot kapag refund ang tinatanong ko sa Danvil. They are still insisting the policy… kwento ko lang yung inis ko. Actually yung expereience ko sa company na to halos pareho sa mga nabasa ko, like asking yung personal matter mo and the agent also saying na pareho kami ng experience sa buhay… salamat sa pag post.
Today July 24, 2008 at 7:55 am Doha time, Ms. Mary Ann Bacanay of Danvil
Plans called me using Webcall number 023957132. She would like to know
why i am eager to cancel my policy but still she’s not discussing about
my eagerness to refund my money. I was informed by her that they did not
deduct the 4,600 pesos auto debit transaction from my credit card last
July 1, 2008, so THANK YOU, wala na rin naman silang madededuct
cancelled na credit card ko. She also told me that they just cancelled
my policy for the mean time, for the MEAN TIME?! but i want it in a FULL
and PERMANENT cancellation and should REFUND my money amounting to
19,000 pesos.
Ms. Mary Ann Bacanay was just repeating her questions “may i have the
details of your concern mam, we are helping you regarding this matter,
mam May 17 pa po yung policy nyo bakit July 7 lang po kayo nagpa cancel?
nung time po ba na naswipe yung card nyo nagsabi po ba kayo ng icancel
na lang yung transaction? kase po kung sinabi nyo na cancel na lang yung
transaction automatic po ikaka-cancel. huh? so dapat pala kapag
nagbebenta kayo huwag nyo akong pagkumpulan, at huwag nyong ipressured
ang customer nyo! I said NO that time, yung agent na Si Ms. Miles
Mocorro asked help from her Manager “MANAGER! MANAGER!, lumapit si
manager, the manager said “Ano ka ba Mam! para din naman yan sa future
ng anak mo!!!” silly me naniwala naman ako sa mga pekeng phsycologist na
to! naswipe ang credit card kawawa naman ako… mababawasan ang credit
card ko monthly. sana magsabi kayo ng totoo tungkol sa company nyo!
kapag ba namatay ako saan kukunin ng benificiaries ko yung pera?! baka
bulok na ako yung naiwan ko naghihintay sa hangin! yung number nyo na
755-1591 may sumasagot… answering machine!!!, yon ba ang bago ngayon
sa customer service? website nyo hindi nagwowork, ano ba yon dummy lang?
danvil.com pag press mo familyfirst.com! e-member code wala akong
nareceived, i remembered Ms. Miles Mocorro saying that you can change
the name of benificiaries mam thru our website kung sakali magbago isip
nyo at gusto nyo palitan yung revocable. yung irrevocable po hindi na
pwedeng palitan. nasan pala yung user name and password ko? wala naman
kaseng log in sa new member sa website nyo! sino na pala ang nanalo sa
pa-raffle nyo na kotse? nakuhanan nyo na ba sya ng picture at naipaskil
nyo na ba sa hall of fame nyo? Pano ko kayo makokontak thru webcall
number?! thru names of person na pwedeng dayain? sino ang contact person
yung agent na pwedeng magresign? Pag nagpalit ng pangalan company nyo
kanino ko kukunin yung pera after maturity? sagot ba yon ng bangko
sentral ng Pilipinas o ng Deutsche bank na according to agent Miles
Mocorro ang amount ng endownment eh depende kung aaprubahan ng trustee
bank ko (credit card company! syempre maaprubahan talaga kase kayo pa
lang unang gumasgas! na paulit ulit sinasabi ni Miles Mocorro na mam ang
kinuha lang po naming amount eh yung shopping credit limit nyo… 19,000
pesos?! shopping credit limit ko?!) at ng bangko sentral ng Pilipinas?!
so ganun pala kayo mag motivate ng customer nyo, actually hindi
motivation ang tamang term ganun pala kayo MANLOKO ng customers. trustee
bank ko?! nabawasan po yung credit card ko… monthly deductions na
hindi naman sure kung may makukuha nga ako in the future! i can not
trust you guys anymore lalong lalo na sa kompanya nyo! I don’t care kung
meron nang kliyente na nakapag claim sa inyo ng maturity nya I just want
my money gets back to my credit card.
ano pa po ba yung concerns nyo mam? etc., pinaiikot na naman ako!” it
was so annoying! sinabi ko na kung gusto mo send ko na lang sayo yung
complain letter ko. naforward ko na sa IC at SEC yung complain… eh mam
kami din naman po ang authorized magrefund… I understand… syempre
kayo yung nakipag transact sa ken, alangan namang singilin ko ang SEC o
yung IC! nakakainit talaga ng ulo! (para kang buhok sa kili kili ang
kulit mo!) ang gusto ko lang refund! ibalik nyo yung pera ko sa credit
card!
Ms. Ginny Stamaria was not replying to my concerns she’s just reading
the message it was like nothing happened. Paliwanag naman ni Mary Ann
Bacanay yung trabaho daw kase ni Ginny Stamaria ay tagareceive lang ng
email kaya nga daw sila tumatawag nung July 19 pa, tama ka Mary Ann
Bacanay meron akong missed call webcall number ulit 023957133, so pano
ko malalaman kung sino ang nag missed call sa phone ko?!. how can i
return call? at trabaho ni Ginny Stamaria bilang Customer relations
Group ang magbasa lang ng email concern… may bakante pa ba sa posisyon
nya? eh bakit sa follow up email ko kaya naman palang sumagot ni Ginny
Stamaria?!
Danvil, ganito kayo magtrato ng customers nyo lalo na kung gustong
magparefund… I believed wala akong pinirmahan na NON-Refundable amount
sa receipt na binigay nyo sa akin. So i have the rights to ask a refund.
Once my money gets back, I have nothing against your company and please
don’t try to trick me again I am totally irritated in your explanations
and reasoning of helping people and your tactics was totally ridiculous.
Thanks for the reply Mimi, that’ll help a lot of people just in case they’ve been ensnared by these scumbags. :no1:
Nakakapg init talaga ng ulo lalo na kung wala akong makuhang sagot sa status ng refund… they are just ignoring my emails. Napaka tagal magbigay ng sagot. Yung hotline nila answering machine. Yung mobile number automatic ata kung magbigay ng notification sa pagsingil. Gamit nilang pangtawag webcall number so hindi talaga sila makokontak kung sakaling merong complain. Iisa lang ang taga check ng email concern at trabaho nya lang tagabasa, ang mga agents walang company e-mail address so hindi sila mapapasahan ng reklamo. These agents was really trained on how to motivate the customers in such manners, in so unprofessional way. Magaling sila dinaig pa ang mga lawyers sa pagtatanong, dinaig pa ang mga pshycologist sa pagreverse ng sagot… napabilib ako!
and this girl Ms. Mary Ann Bacanay was trying to depend her company regarding the PROBE TEAM issues… just like what i’ve said I just want to gets my money back to my credit card.
guys,
yesterday navictimize din ung GF ko, FUCK tlga tong mga manlolokong to, sna man lang ang HSBC or other cards. Given na madami na palang claims, cases, disputes filed against these DANVIL merchant, sana man lang they initiated to ask first the customer if they really want to push through with the transaction….BITAG, IMBESTIGADOR, XXX…. tingin nyo kaya nilang patahimikin tong scam na to? halatang SCAM to!!!
wag na sanang makapambiktima itong mga kulokoy na ito
pahabol lang, may succesful case nba tyo na nabawi ung pera from HSBC? kc icocoordinate daw sa merchant un but the thing is, di naman daw sinasagot ng merchant ang mga investigation ng HSBC.. anyone?
mga tiga, FAMILY FIRST, DANVIL, BERKLEY – diba kayo nahihiya sa ginagawa nyo? galing sa panloloko ang pinapakain nyo sa pamilya nyo… gs2 nyo tumulong? tumulong kayo sa TAMANG paraan…ibalik nyo pera ng mga taong niloko nyo..and mag public apology kayo kung kaya nyo…
Hi everyone! I feel so victorious today! I received a call from Danvil earlier and i was informed that they will be refunding the 19000 pesos that was charged to my credit card! haha! they asked me to return the policy as soon as possible and i will have to wait 30-45 days to be refunded. Thanks to all who shared their thoughts about Danvil.
hi guys.. im a victim today too.. *Francis paano mo na-refund ‘yung 19K mo?? 6650 ang nahutot sakin.. tumawag na din ako sa HSBC at ganun nga ang sinabi nila.. I want to know the best solution bout this problem.. please help naman po.. reply to this or contact me.. 09178138436
please help
@Shet I just followed the steps taken by others who posted here.
I wrote an email to the Insurance Commission (pubassist_ic@yahoo.com) and Director Jose Aquino of SEC (jose.aquino@sec.gov.ph).
I called up the customer service hotline of Danvil and asked for the cancellation of my policy as soon as possible. I was told to write a cancellation letter. I printed 2 copies. I submitted the letter to their branch which was nearest to my location. it doesn’t have to be the branch where you got your policy. I had both copies of the letter received and signed by the person who attended to me.I kept one copy of the letter. I was told then that the initial money I paid is non-refundable BUT i can try to get it refunded.
I really didn’t think that I’d be refunded. But last july 30, i receieved a call from the danvil branch where my policy was acquired and i was told that I will be granted full refund. I just have to return all the documents I got from them–everything that’s inside the brown envelope they gave me. I did as I was told the following day. But i still have to wait 30-45 days before i can actually be refunded.
I was not exactly sure then why Danvil decided to give me a refund. There are so many who were not so lucky as I am or the others who were also granted a refund. But when I got home after returning my Danvil documents, I checked my email. I was sent a copy of a letter that SEC sent to Danvil. And they attached my email to that letter. Danvil was asked to reply to my email and were instructed to provide SEC information as to what kind of action they did regarding my concern on or before Aug 18. So there, it was the SEC’s initiative, I believe, that has prompted Danvil to process my refund.
Just take those steps, as soon as possible. Good luck to you. But I can’t assure you that after doing all those, you will be as lucky as I am. Take my sister’s case as an example. my sister was also a former Danvil client. She had her policy canceled soon after I had mine canceled. But up to now, she hasn’t received a call from Danvil as to the status of her refund. But we’re still hoping for the best.
@Francis
thanks for that instructions..
actually tomorrow after that(august 1) I went to mandaluyong at SEC and passed a complaint letter. Secretary of Director Jose Aquino was the one who received that and she told me that they will contact me after. But Francis is that better that I chose not to cancel my plan for the mean time because I’m not sure if I will receive a refund like you? please email me at cristeo.tamayo@gmail.com for reply so I can show you my complaint letter and advice me for better. please please
please
Hi Good News! I received an e-mail confirmation from Danvil that they will refund my money and it will be charged back to my credit card within 45 days as it was on process already. I’m going to send the documents that I have as soon as possible. Thank you for this site and to those who empowered the person who felt that they had been victimized by Danvil Company.
guys,
good news, may pagasa pang makuha ung pera nyo, my girl and i cancelled the account last week and after 2 days, it was cancelled. 30-45 days din po yung time before ma credit back sa card ung nakuha nila…
eto lang payo ko..
maging mahinahon..
then follow their process lang for cancelation.
present a cancellation letter.
ayun,, tpos….
hope this helps…
p.s.
ok lang na simangutan ako nung lecheng agent sa family first las pinas.. coz na cancelled naman ung acct eh…
bakit nya ko sinimangutan? eh ako ung makulit na nakikipagdebate sa kanya eh.. ayun taob cya…
Congrats to you Mimi and Duds
See? There’s no way these leeches would dare get your money by force. :no1:
Yap! There should be no more room for this kind of people
I have learned my lessons, next time I should be more careful… Don’t trust those who disguised from decent outfit and talking too much that they have more experience than yours or it was like we have the same kind of life and they are giving their sympathy, lending their hand to help people in replace getting your pocket empty in a professional way.
What they are doing is reflecting to their personality that is the way their company trained them. There were no problems if they are really a helping hand… but what if they are just the continuance of their previous company names which is given of a negative result to the public.
Mahirap magtiwala lalo na kung pagdating ng panahon hindi maibabalik yung pera na inaasahan mong investment, lalo na’t sa simula pa lang feeling mo niloloko ka na. Saan mo sila hahabulin after 10-15 years…
Sa mga nabasa kung experience ng bawat isa walang pinagkaiba yung naranasan ko sa kanila. Isang isa lang parang scripted… what these agents are doing is getting the full attention of their customer.
Haharangin ka sa Mall tatanungin kung meron ka nang credit card, may free silang payong wala kang ibang gagawin papakilala mo lang company nila at pwede ka pang maglaro sa game – pipindot ka lang at kung sakali manalo ka huwag daw syang kalimutan balato nya.
Mag papa confirm sya sa isang manager at tatanungin ka ulit “mam sinabi nya po ba na you will not pay anything, all we need is 35-45 minutes from you, papakilala mo lang company namin”
Hindi mo alam office nila nasa kabilang palapag, pag akyat mo sa office nila, kakausapin ka ulit ng ibang agent tatanungin ka kung willing ka bang magpa picture kung sakaling manalo ka sa raffle (ehehehe pang hall of fame?!)
Babanggitin ang Bangko Sentral ng Pilipinas, Deutsche Bank at kung anu ano pang Bangko.
Tatawagin ang tea boy para magserved ng ice tea…
Tatanungin ang personal matter mo then sasabihin nya “ay mam alam mo pareho tayo!”
Kukunin muna ang tiwala mo kapag willing kang makinig… Papaliwanagan ka ng halos 3 oras at tatanungin ka ng inuulit ulit na salita “is it maganda, maganda mam?, Gagamitan ka ng talent na pabaligtad na sulat, kapag nagsabi ka ng ay okay pag iisipan ko muna… tatawagin bigla si manager yung tipong mapapahiya ka! Si manager maiinis “Ano ka ba mam! Para naman yan sa future ng anak mo!” as if alam na alam nya na yung buhay mo at close na kayo…
Kapag nakapag sign ka na pero nagdadalawang isip ka pa na i-swipe card mo, sasabihin sayo if ma-approved lang po ng trustee bank, kase bihira lang po talaga ang nakakakuha ng endownment, kadalasan yun pong mayayaman.
Pa naswipe na yung card sasabihin sayo “mam ang kinuha lang po nating amount yung shopping limit nyo…” magtataka ka bakit ang laki ata ng shopping limit mo at baket alam nya na ganun ka kalaki gumasgas ng credit card pang shopping lang,
Papakilala ka gamit ang Microphone pang Welcome sa mga napaniwala nila (narinig ko pa sabi ng ibang agent “pa cheese burger ka naman!”.
Okay lang na pakiramdam ko naloko ako atleast this help me to become more careful sa mga katulad nyo.
i need help to refund my money from Danvil. S Sm southmall ako nbiktima. Yng name ng office nila, nklgy Family First, pero nbili n dw yun ng Danvil. Tpos nung ng-issue skin ng Policy, Prudential Life. Anng gulo db. San b dpt ako mghabol? I need my money back. Since d nmn tlg ako interested dun. Sobrang pinilit lng ako ng mga tao. Please help me.
Idagdag nyo na ako sa mga nabiktima ng danvil =(
I was vacationing in pinas last month july 2008..sa sm southmall ako nabiktima.
I feel so stupid na nagsign ako, pero sa pagod ko at kagustuhang lumabas na ng ofice nila after i don’t how many hours, with 3 agents pa pressuring me..nagpatalo ako at napilitang magsign. What’s worse is 168000 PHP ang nakuha sa akin. Baka nga sa abroad ako nakatira but i don’t have that kind of money. Sobrang bilis ng pangyayari, I wasn’t even aware na naswipe na pala ang unlimited mastercard ko. What they told me in that room were all lies.
Kakapanood ko lng ng story ng 1 danvil-victim sa The Probe, sabi doon if u get the plan cancelled within 24 hours mababalik pa syo yung pera. But i went back to their office the day after (still within 24 hours) to get it cancelled. Sabi nong agent di daw possible, pero di ako umalis hangat di nila pinacancel yung plan ko. In the end the manager stepped in and got my plan cancelled. Pero till now i still haven’t received the money that was debited from my account. I’ve written mails to Prudential Life, Danvil Plans and First Family but NO RESPONSE. Yung tita ko sa pinas went back there & talked with the manager, he said next year ko pa pwedeng makuha pera ko. He didn’t even have a clear explanation as to why. So ngayon ang laki laki ng utang ko sa banko ko..i have no idea how to pay for it. I’m just a 22 yr. old girl with a part-time job.
Is there someone out there who can help me?
gus2 ko rin mkcancel yung yung account ko s danvil pero ang hirap twagn yung # nila lgi busy
tama ka dyan dregde!
i called them a few times, pero pina- hold lng ako each time kasi busy daw lahat ng agents.. and i am calling from europe – magastos kaya.
i’ve written emails to SEC and Philippine Insurance Commission, but wla rin response =(. i also sent a cancellation letter to myfirstfamily/ danvil plans. they’ve contacted my tita and told her na mababalik na sa akin yung pera, but i still have a doubt kasi paano nila ibabalik sa akin yon eh they don’t have my account number, and i’ve cut off the credit card that was used. Wla clang contact sa bank ko, but they’re still saying na maibabalik sakin yung pera through my bank =S I dunno, sounds like lies again. anyways update na lng me if i hear more from them.
Hello Dredge and Kristine,
Some of the guys who posted their replies here were able to get their money back. As far as Kristine’s situation is concerned, since wala ka ngayon dito sa pinas, it would be best to contact SEC for assistance, more over, file a complaint against these scammers.
Shoot, nag-email ka na sa kanila? I’d like to know the exact email address where you’ve sent your report, my brother works at SEC, he might be able to help you further.
Don’t lose hope, that’s your money, and yeah, you’ll get it back.
Good day guys. :no1:
Hi Kristine,
As of now letter of confirmation pa lang na on process na yung refund ko that was August 2, sabi it will be transfer to my cc within 30-45 days so hintay na lang muna ako.
You can send your follow ups sa email add na to gstamaria@danvil.ph
Ginny Stamaria name nya, she’s the one who’s reading e-mail concerns. Customer Relations sya ng Danvil, sya yung nagsend sa ken ng confirmation. Matagal silang magreply at never silang nagrereply unless meron kang kilala na mag follow up sa Pinas thru lawyers. Ang laking halaga ang nakuha sayo. Mabuti lang sana kung okay yung mapupuntahan ng investment mo pero pano kung hindi pala sila totoo.
Goodluck! sana magkaron na ng good status ang refund mo.
hello guys! nakakahiya mang aminin eh plan holder den ako ng danvil (since 2006 =( pa nga eh tas family first pa sila non). Almost 50K na ata total contribution ko (waaahhh!). I tried to cancel my plan before. Nagpunta ako sa SM fariview around 4pm ata un. tas tinanong nila ko kung ano raw kelangan ko (mabait pa sila non kc maraming tao). nung sinabi kong magcacancel ako ng plan, hala ka biglang sumimangot ang lola. tas pinaupo ako sa sofa nila sa labas. tatawagin na lang daw ako. 1 hour na ko nakaupo don nde pa ren ako tinatawag. ni nde man lang ako inalok ng iced tea mga hayup na un! then mga after 30 more minutes tinawag na ko. pinakita lang nila sa ken ung total contribution ko tas sabi wag ko na lang daw icancel kc 20% lang ata ung makukuha ko. WTF! Shempre galit na galit na ko. that’s my money, pinaghirapan ko un. and the thing is, kelangan kelangan ko ng money that time. but they keep on insisting na ituloy ko na lang un plan or else malulugi ako
. Ang ending lumabas ako ng office nila na nanlulumo at bigo.
patuloy akong nagbabayad sa kanila monthly kahit labag sa kalooban ko at medyo mabigat na sa bulsa. wala akong choice kundi magtuloy or else masayang ung mga nabayad ko huhuhuhu.
Then nakita ko tong post na to. i read all the exchange of messages here especially those from phillip, shakira and rainlou. geez! scary! ngaun biga akong nagsisi bket nde ako dati pa nagresearch about danvil. dapat dati pa ko naging aware sa mga sentiments ng mga tao about them. nakakapanlumo na kasali ako sa mga naging victim nila.
sa mga successful na nakapag refund, you think pwede ko pa kaya mabawi rin ung money ko? can you send me a copy of your emails sent to SEC and IC para so i can use as reference? please please guys! i really really need your help. i’m getting married soon and i need to get my money back.
bob thanks for posting this thread.
to all the victims, good luck to all of us!
to danvil, matakot kayo sa karma! maawa naman kayo sa men na nagsisikap magtrabaho para kumita.
Hello Suzy,
Si Dianne po naayos nya ung refund nya. Meron syang post dito.
I have the same predicament. Thanks to Bob and Diane’s blogs, I got an idea how to get out of this mess created by Danvil.
What they did was ridiculous. The moment that they lied about my initial deposit and that I would not be able to refund my money and that they asked me to put “NON REFUNDABLE” to the photocopy of my charge slip right after they swiped my card.
I already wrote to IC and SEC just today. I hope to get a favorable response from them. I have sent cancellation letter to DANVIL.
Bob, you said your brother works in SEC. Could you help me here?
God bless us all.
I’ll send you my brother’s contact number just in case…
Actually I was able to fix this issue while I’m still at the scammers’ premises. I do hope my brother can follow up your request. 
Thanks Bob. I received your email.
I already got a response from Atty. Osias. He said that it’s not within the jurisdiction of Insurance Commission as DANVIL is a pre-need company.
I am quite confused right now. How come they were able to help others, not me? Haha… Don’t worry, I didn’t mention anything about the success stories of other complainants.
ngpunta po ako s family first/danvil yesterday s southmall branch. dinala ko yung papers ko at yung letter of cancellation of policy. sb ko s knila gus2 ko icancel yung policy ko. sb nila pede nmn dw icancel yung policy ko, but dont expect for refund, because I signed a contract. khit san n insurance pg ngp-cancel po dw ng policy wl po dw tlg refund. because by the time that I signed the contract, anything will happen to me, liable n dw cla. kya d po dw yun refundable. pinabasa nila skin yung contract n dala ko, nklgy dun non-forfieture dw yung contract. ky wl po dw ako mkukuha n pera. ky umuwi ako luhaan. ngmukha lng ako tanga dun s opisina nila.
ang sb p skin kung ayw ko dw tlg kumuha ng policy bkit khpon lng ako bumalik. eh august 8 p nangyari yun. yesterday was aug. 24. pede dw po irefund yung pera f within 24 hrs bumalik agd ako for cancellation.
sb ko gulung-gulo ang utak ko that time and super busy ako, kc 3 b nmn cla ng-coconvince skin. at pinipilit nila ako. sb nila, f mgulo tgala isip ko that time bkt ko dw naalala p birthdate ng sister ko at father ko, at nakpg-sulat p ako ng maayos.at khit umabot po dw s korte ang reklamo ko, talo dw ako, kc ngsign ako ng contract. kung ico-compare po dw s item n binili s dept. store, ang dept store d po din dw ngrerefund, pinapalitan lng dw ng ibang item. so gnun din po dw cla, d cla ngrerefund.
grabe ngmukha tlg ako tanga khpon s knila. wl nangyari s pgpunta ko dun. nwawalan n ako ngpag-asa n mblik p pera ko.
I also sent a letter pla s insurance.com ngreply cla, and sb can’t accommodate my problem because it does not fall under their jurisdiction. they refer me to send an email to jose.aquino@sec.gov.ph and relay my problem. so i sent an email, but until now, no reply po.
to ms. suzy, when i was at danvil ofis yesterday at southmall branch, mrmi pinakita skin yung agent n sample ng mga client, claiming for their money kc ngmature n yung policy nila. ky kinu-convince din nila ako n ituloy n lng yung policy ko, pr d dw msyng yung pera ko.
malas ko khpon kc halos lht ng tao n andun eh yung mga ngmature n yung policy, at ngke-claim n cla. ky nktingin skin yung mga tao at mukha akong tanga.
cguro f nataon n meron mga tao ng kinu-convince p lng nila mg-avail ng plan, bk ng-eskandalo n ako, pr wl kumuha ng plan nila. ky lng wrong timing ako.
sobrang nalulungkot ako kc sayang yung pera ko.
Wag mong isiping nasayang na ung pera mo dredge, I strongly suggest you read the replies of the other visitors of this post, lalo na yung kay Diane. :no1:
I also sent an email to SEC and IC pero til now no reply. haayy.. i feel so stupid na nagpauto ako sa knila.
dredge let’s just hope for the best and sana masagasaan ng pison yang mga balahurang tiga Danvil. hehe.
i really want my money back. d ko tlg alm ang ggwin ko pr mretrieve yun. ayoko n bumalik s southmall branch dhil, hihiyain lng uli nila ako.
Sa wakas I got my refund..
@suzy
pareho din tayo ng ginawa but mas maganda na ipacancel mo yung account mo sa danvil as soon as possible na may kasama ka at wag lang magisa..
yesterday, i got my refund from them.. im so lucky na d umabot sa cut off ng CC ko yung bill from DANVIL kaya before payment nakuha kong ipacancel yun. So I paid them only bullshit..
Sa totoo lang di mahirap magpacancel ng account nyo kung maninindigan kayo.. At sana may kasama kayo na handang makipagdebate at wag magisa dahil baka mahypnotize kayo.. All you need to do is, tell them that you know about cancellation.. dahil pde talaga magpacancel.. banggitin nyo din na nakipagcoordinate na kayo sa SEC at IC.. but its better na meron kayong pakikitang letter of complaint(formal) na recieved by SEC.. basta sa letter nyo siguraduhin nyong totoo ang reklamo nyo at panindigan nyo..
hi bob, i came across your site while browsing through diane’s blog. it is good to know that there are brave people like diane and others who fought for their rights. sad to say i can’t say the same for myself. i am too a plan holder of danvil since last october 2007, and was able to convince myself that the purchased plan in danvil is a saving for the future of my daughter, but the nagging feeling that i was somehow duped never left my mind. so after reading the posts and the comments i decided to cancel my plan in danvil. i am hoping that i can get a refund but if not then i will charge it to experience, parang iisipin ko na lang na nalugi ang negosyo ko
@Francis, can you email a copy of the cancellation letter you sent to danvil so that i would have a glimmer of a chance to get my money back. i had composed a letter but i am not convinced that i can refund my money. thanks so much po. please email at marilyn942127@gmail.com
Hi Marilyn,
All I can say is, you can get your money back. Feel free to read the previous replies here to have a hunch on how to get that hard earned moohla of yours.
If you have more questions, feel free to drop by anytime. :no1:
@ theo, pano po yung s case ko, kc ngreply n skin ang ocom@insurance.com.ph sb they can’t act with my complaint, because it does not fall under their jurisdiction. They addressed me to send an email at jose.aquino@sec.gov.ph, but until now, wl po ako nrerecv n reply. so pano ko po i-ju-justify n gus2 ko icancel yung Danvil Plans ko. I already went to southmall branch last sunday, pero wl dw ako mkukuha n refund f i will cancel my plan. Can you help me?
dredge southmall din ako.. contact me baka matulungan kita pre..
just post..
@ shet, nrefund mo b yung pera mo? my email is mildred1205@yahoo.com
@dredge, I also received an email from IC and just like yours they told me that they can’t do anything about my complaint. However, Atty. Osias endorsed my letter to SEC and he even sent a referral letter to Mr Jose Aquino. As of now wala pa kong narereceive na reply from SEC pero i do really hope na favorable nman ung response nila.
@shet, have you already received your refund?
is there anyone out here na plan holder for more than a year tapos nakarefund? I haven’t cancelled my policy from Danvil yet kc bka walang mangyari sa email ko sa SEC tas nde ko pa lalo makuha yung money ko.
@dredge
In my case kasi, I have noticed agad na naloko ko.. so before 24 hours nagreklamo agad ako.. 1st na balik ko to cancel my account with them pinaliwanagan na naman ako ng isang agent na maganda daw.. ako naman d ko malaman kung bakit naging mahinahon ako.. So the second time na punta ko sinama ko na manager ko nagpatulong ako na na makipagdebate.. So nadisappoint sila at kinuha policy ko(papers).. an agent told me to wait for 10 working days and after that nagsadya ulit ako ng may kasama.. That’s it.. they only said na cancel na yung account ko and nabalik na yung charge ko from them sa Credit Card ko.. pero before that nagsadya din me sa SEC.. pinarecieve ko yung letter ko.. na nagssabing gusto ko maibalik yung perang kinuha sa CC ko.. so pinakita ko sa DANVIL yun.. basta pre payo ko lang magreklamo ka ng tama.. include mo sa letter mo like.. misrepresentation of the merchant.. kaya ganun.. kasi may mga taktika sila na d mo malaman eh.. makipagtulungan ka din sa provider ng Credit Card mo..
@Suzy
Pag more than a year na po I dont know, cguro mas maganda if ituloy nyo nalang with the minimum year.. para makapagloan or something..
To all victims
malaki po matutulong ng card provider nyo just tell them na your one of the victims.. tutulungan kayo madispute ung nacharge sa inyo just follow their instructions..
Ung letter of complaint nyo iparecieve nyo sa SEC.. then pakita nyo sa DANVIL during your cancellation.. malaki din matutulong nyan..
I’ve got my refund within 2weeks, actually d nmn refund.. before my cutoff sinoli nila yung kinuha nila from my CC..
before my due date i mean
Hi!
I just would like to share the good news! My request of refund has been returned to my credit card dated August 20 and has been confirmed from my bank that it was refunded.
I would like to extend my thanks to those people who help the victims to be strong and firm to get their money back.
To those who don’t have their refund yet, just follow what we did and be patient. Just what others did you should do the following:
1. email your letter of complain to ocom@insurance.gov.ph
2. the same letter of complain to be submitted to jose.aquino@sec.gov.ph
3. send a letter of refund and policy termination to gstamaria@danvil.ph, mypolicy@danvil.com.ph, mypolicy@familyfirst.com
4. Call their hotline number 755 1521 / 755 1591 or you can also text them 639178326459 for follow up or send an e-mail of follow up to the above address.
5. Send your original letter in their office or better hand it over personally and make it sure you have a receiving copy.
In my case, my brother is working in the law office and he has a lawyer friend who is also working as a part of SEC. He asked him to help me and they are the one who called Danvil for my refund request. I did not received an e-mail or confirmation from SEC office but still I’ve got my refund. Dated August 2 my request has been processed and it was returned to my cc dated August 20. Thank you.
To those who would like to file a complaint please be firm and strong. Goodluck!
Hi bob,
read everything on this blog..
very informative and helpful to all victims of danvil just like as to diane’s. I already follow everything. I am now in the part of waiting for a reply from SEC. As what INSURANCE COMMISSION have advised me, SEC is the appropriate government office to handle my complaint. I am still calling danvil to follow up my letter of termination but unfortunately i can’t connect thru their answering machine, and to their main office, no one is answering the phone and just keep on ringing. Since i am from davao city, i cant go directly to their office. It’s not an easy access for me, your brother might help to follow up at SEC…. Is there a chance for me to refund my money?…My plan is dated May 22, with the amount of 7600 and i already started paying 1840 lasy july untill now. Hope i still have the chance to get back my hard earned money and let them cancell my plan…. Any advice or suggestion?, hope you can help me… thank you and more power. Godbless.
Hi
Scam ba talaga ang Danvil? Panu cia naging scam? Na-swipe na kze ung card ko and nkapirma nko. Sbi ng Danvil mkukuha ko dw ung ipon ko in 7 yrs. Pls. I need answers and proof kung continue ko pa ung monthly payment ko sa Danvil.
Tnx! and looking forward to your reply!
Hello Liezl and Maui,
Yes you can get your money back, some of the comments posted here were able to get their money back. Again, you may review Diane’s reply for more info.
hi bob, thanks sa reply…just got a call from danvil today.
Asking what really is my concern in terminating my plan. I just said eveything what happened. Gaya din ng ibang naging victim, na napilitan lang coz of their high pressure selling tactics, tapos tinanong ako bakit ngyon lang daw ako nagpa cancell, ni review daw nila yung record ko na pumirma naman daw ako and di daw lahat na nag papacancell eh naga-grant ng refund, case to case basis lang daw…..parang ang tono nya is ako pa ang may mali… tapos it ended up asking me if willing ba daw ako makipag tele conference nalang daw with the consultant na nag assist sa akin noon and with their branch manager, since i am from davao city…sabi ko cge…sabi nya she will call back within 15mins…so naghintay ako….tumawag naman but ang sabi is wala daw yung branch manager nila kaya on tuesday nalang daw…… ang concern ko ngayon is baka hanapan nila ako ng rason na di ko na ma aavail yung refund…or paiikot-ikutin na naman nila ako…………pls help kung ano ba dapat ang sasabihin ko, you might have some advice to give…….this coming tuesday sept.09 they will call back, hope ma settle na talaga ito. …again thank you ….
Hello Liezl,
The mere fact na napilitan ka, ayun na yung unang defense mo sa kanila kung tatanungin ka nila kung bakit ka pumirma, in the first place, bakit ka maghahanap ng refund sa kanila kung alam mong wala ka namang problema. Isa pa, be firm with your resolve, kahit anong paikot ang gawin nila, sabihin mo lang na hawak nyo ang pera ko, at pera ko yan, oras na para bawiin ko yan. pag humirit pa sila sa mga case to case basis nila eh marami ka nang maiisip na paraan para balikan sila sa mga pangggagago nila.
Good luck and hopefully makuha mo na yan. :no1:
hi bob, thanks sa advice… will update nalang after tuesday ..
Hi Bob,
Please help! Nabiktima ako ng hayop na Danvil na yan. Medyo kulang ang oras ko para magkwento (pero isasalaysay ko rin pag nagkaroon ako ng pagkakataon) pero ang bottomline, malinaw na panloloko ginawa nila sa akin. Habang nagpapaliwanag sa akin si Ate Cheli (yung humarap sa akin) may pinakilala sa harapan ko na tumanggap yata ng offer. Sabi ni Ate Cheli yun daw yung mga gusto nung offer pero di pinayagan ng bangko. Tapos tignan daw namin kung papayagan ba ako ng bangko ko o hindi. Ang nangyari kinuha nila yung credit card ko then ini-swipe sa credit card reading machine (yung nakikita natin sa mga malls kapag may bibilhin tayo gamit yung credit card natin). So lumilitaw na hindi nila ni-verify kung pwede akong tumanggap ng offer nila, KINALTAS NA AGAD NILA SA CREDIT LIMIT KO YUNG P7600 NA DOWNPAYMENT NILA!!! Yung receipt na rin mismo ang pinangangalandakan nilang binding agreement na may handwritten na NON-REFUNDABLE at pinapirmahan sa akin. (sa totoo lang parang di ko na alam ginagawa ko nung mga oras na yun dahil gusto ko na talagang makaalis, 4 hours na nya akong pinapaliwanagan). Tapos paglalaruin ka pa sa isang slot game na imposibleng manalo. Bakit imposible? Gamer ako, kaya alam ko kung paano nagwo-work dapat ang isang slot game. Nata-timing-an yan kadalasan. Pero ang slot game nila, hindi consistent ang bilis ng mga slots at random ang lumalabas na mga numbers (unlike sa totoong slot game na may pattern o in order ang mga numbers na lumalabas). Nakaprogram yata yun slot game nila na hindi talaga tutugma sa winning pattern.
Gusto ko pong maghain ng reklamo sa SEC. Please bigyan nyo po ako ng format ng cancellation letter or letter of complaint sa SEC…
Salamat po ng marami…
hi bob, just an update on my danvil plan cancellation. i received an email from IC referring my complaint to SEC and I also received a registered mail from SEC that is addressed to Danvil Plans regarding my complaint against Danvil. As per the letter from SEC Danvil should inform SEC of the action they will take regarding my complaint on or before Sept 22. I do hope na sana it will be favorable and that Danvil will refund the money I paid them.
May nakuha ako… From Consumer Act of the Philippines Article 52…
Art. 52. Unfair or Unconscionable Sales Act or Practice. – An unfair or unconscionable sales act or practice by a seller or supplier in connection with a consumer transaction violates this Chapter whether it occurs before, during or after the consumer transaction. An act or practice shall be deemed unfair or unconscionable whenever the producer, manufacturer, distributor, supplier or seller, by taking advantage of the consumer’s physical or mental infirmity, ignorance, illiteracy, lack of time or the general conditions of the environment or surroundings, induces the consumer to enter into a sales or lease transaction grossly inimical to the interests of the consumer or grossly one-sided in favor of the producer, manufacturer, distributor, supplier or seller.
In determining whether an act or practice is unfair and unconscionable, the following circumstances shall be considered:
(a) that the producer, manufacturer, distributor, supplier or seller took advantage of the inability of the consumer to reasonably protect his interest because of his inability to understand the language of an agreement, or similar factors;
(b) that when the consumer transaction was entered into, the price grossly exceeded the price at which similar products or services were readily obtainable in similar transaction by like consumers;
(c) that when the consumer transaction was entered into, the consumer was unable to receive a substantial benefit from the subject of the transaction;
(d) that when the consumer was entered into, the seller or supplier was aware that there was no reasonable probability or payment of the obligation in full by the consumer; and
(e) that the transaction that the seller or supplier induced the consumer to enter into was excessively one-sided in favor of the seller or supplier.
Hello Gamemaster,
OO mababalik mo yan. Feel free to get some advice from the peeps who were able to get their money back, ako kasi dun mismo na-cancel ko yung plan kasi nakipagbuno ako sa lahat ng nakasagupa ko dun. Ayun, wala silang nagawa.
Hi guys, isa rin ako sa biktima ng danvil (nakakahiya mang aminin). Nabiktima po ako nung sept 13 then pinacancel ko sha the day after. Malugod naman nilang tinanggap ung letter of cancellation ko which is handwritten lang. Ni receive nila un, pinirmahan, then sinulatan ng:
> cancelled from inception
> 30-45 days processing
> for chargeback
> 11,400 (HSBC MC)
> received complete documents
Then they photocopied it pati ung official receipt, na binigay sakin the day before, binigay sakin ung isang copy.
Ahm ask ko lang po if cancelled n b tlga ung transactions ko sa kanila? Sabi po ni shet n malugod n tumulong sakin kelangan ko p raw pong iconfirm ung cancellation.
hi bob
got a call from danvil already but unfortunately di ko makukuha ang full refund for the reason na tagal ko daw nag file ng cancellation…tama ba yun? May 22 ko nakuha ang plan, nag file ako ng complaint and cancellation Aug.8 …enough reason na ba yun??….ang makukuha ko lang ay yong sept na nabayad ko na 1,840.00,malas ko naman, im from davao kasi…di ko maharap mismo sa office nila… yung teleconference na napag usapan eh di na natuloy, tinawagan nalang ako at sabi ni review daw nila yung case ko at ipina alam na di ko daw makukuha ang refund…. .di ko na alam kung tama ba yung action na binigay sa akin…. can you ask you bro at SEC pag mga ganitong cases gaya ng sa akin….malaki rin ang nakuha nila sa akin….ayaw kona makipag away pero, feeling ko talaga naisahan ako… ..anyone can help?…just to clarify kung wala na ba talaga akong laban from them…. nag email na sa akin danvil ngyon lang sept.16…they will only charge back 1,840…no more no less….anyway, at least cancell na yung plan ko kaysa patuloy pa akong nagbabayad sa kanila…cge you might have any other advice or suggestion just for clarificaion…thanks and Godbless
bob,
forgot to mention pala na SEC has already a letter addressed to danvil directing them to reply and furnish a copy of information on the action taken on or before Sept. 17…from Mr. Alexis Cervantes…
do you think SEC will just accept whatever action danvil will take?…..again bob thanks and more power…
Hi Bob n all victims of danvil.
OMG!I just read about this issues re: Danvil.My Godsh! I thought I am secured with my future but reading all these complaints against Danvil, now I want to go home and get my money from Danvil. Just like you guys I am also a plan holder or shall I say victim of Danvil. I just had my vacation in the Phil last June and I was forcibly convinced to get not 1 but 3 policies considering that these plans would be a great investment for my future retirement. I don’t know why, I felt hypnotized by these agents!Now I’m worried to the max because I can’t no longer contact my agent. Just this minute I canceled my credit card upon reading this site. Thanks BOB!!!.But I haven’t canceled yet my policy with Danvil. Afraid I can’t refund my money. You see I’m an OFW here in Dubai working hard for my family n our future now I felt cheated, I also read about turn over to Legacy consolidated, I thought that Danvil is an established company why they are turning it over? This means that they are not to be trusted company and very unstable. Why should we entrust our future if they duped us into believing that this is an established company. Please advice me and help me what to do.I want my hard earned money back. Since June 12, 2008 they already charged 200,000+ from my credit card. For those who got their refund please email me…jammy_36@yahoo.com. I really don’t know how to start since I’m here in Dubai. I can’t possibly go home just to go to DAnvil because I just had my vacation.HUHU! Bob pls help me! I read that you have a brother in SEC. Pls I need ur advice. You must understand that what they took from me came from my sweat n blood working too hard for my family’s future. I hope n pray to God Danvil will refund my money.
hi bob
kudos. it’s a good thing what you’ve got running here. I would like to share my experience too or should I say nightmare?
I was in Manila last April to make sundo my husband who just arrived from abroad,we bought our plane tickets at Sm megamall and we were on our way out when this gay blocked our way and ask if we are couples, when we said yes he said Congratulations! we have won a prize coz today is SM Family Day.Then he asked if we have CC.He said all we have to do is to sign something to prove that we receive the prize. Then he said we have to claim it in their office. We really thought it was a promo from SM Mall itself coz the “gay in an exec. uniform” used the name SM.When we saw Danvil Holdings upon reaching their office we started to turn back coz we knew then that the gay purposely misleaded us .But he begged and said 45 min. lang daw no money involved just endorsement of their product, naawa kami so we consented.Inside another person entertained us sabi nya consultant siya and she made me fill out another form blah…blah…blah…
Actually we never get to the point of giving them my card, because the moment she said I would have to give an initial downpayment, I sarcastically told her, “your agent outside said there was no money involved, what kind of people are you?We stood up right there and then and they did everything to stop us , kesyo daw there is a proper exit ,professionalism , etc. I told them that if we miss our flight, you people would pay for the delay you’ve caused us.So they let us out.
I told my husband, tingnan mo dahil sa awa at pagmamagandang-loob natin ito nakuha natin, buti na lang I was firm talaga.I even throw their freebie in my disgust.
When I read some of the blogs here naawa ako sa mga nabiktima,and nainis ako sa defense tactics nila,to think that they esteemed their company so high yet they would stoop low and resort to name-calling their dissatisfied clients.Reputable companies don’t do that, I should know coz I work for one.
Thanks again bob! this can help a lot na magiging aware yung iba.God Bless!
@kaye:
nasayo na ba ung policy nung nagpacancel ka? mejo wrong move kase ko na umalis ko sa danvil na walang dalang contract. kahapon lang din ko nabiktima nyan, sabi kase nila padadala nlang sakin within two days. oh well. after reading all your comments, nagdecide na ko na ipapacancel na sya. di ko lang lam kung makakapagcancel ko pag wla pa sakin ung contract. tulong lang po, please. i just want to end this as soon as possible, habang di pa ko nagbabayad ng cc.
That’s good to hear Lee, everyone, especially to those who just got here and haven’t been inside the lairs of danvil, i strongly suggest that you guys follow what Lee has done. That is if ever you got into that lair, but I do hope you guys won’t. Thanks for sharing Lee! :no1:
Yapui, just in case wala ka pang binabayaran, wag ka nang magbayad. Yun lang. :no1:
@yapui
hi po. dala ko po ung policy nung nagpacancel ako. ang suggestion ko po punta ka sa office nila then sabihin mo po papacancel ka then pag hiningi ung policy sabihin mo wala pa kasi dp dumarating, pero d ko po alam kung papayag sila na icancel un kahit wala ung policy, pero wala naman silang karapatang tumanggi if want na ng customer nila n magcancel. ang alam ko po if less than 24hrs after makapirma ka sa policy then nagpacancel ka, full refund po makkuha mu, as in tatanggapin nila ung cancellation letter mu ng walang keme keme. if more than 24hrs n po ang usually pong ginagawa, sa mga nabasa ko, ngffile sila sa SEC ng letter of complaint then ngffile sila sa danvil ng cancellation letter. sana po nakatulong ako =)
ung sa case ko po kasi within 24hrs nagpacancel n ko. ayun po 30-45 days processing para machargeback sa cc ko ung 11,400.
@yapui
ay pahabol lng po. eto ym id ni shet: cristeo.tamayo
parang same situation lng po sha sa inyo after ilang days sha nagpacancel. baka po mas makatulong sha sa inyo
godbless
yan tama po yan, tulungan lang po tayo dito para ok lahat. :no1:
hi bob..
wala ba talagang standard and danvil regarding sa mga refund.. yung case ko kasi may halos kasabayan lang ako nag apply pero naka avail naman ng refund…sobra naman cguro ang danvil at malaki ang nakukuha nilang pera sa mga tao….hope SEC will do something about it…di pa naman umabot ng 3 months yung akin bago nag pa cancell…enough reason na ba ng danvil yun??…. di sila fair magbigay ng mga refund…sana matigil na yang maling paraan nila para makakuha ng pera sa mga tao…nakakapanghinayang ang perang pinagpaguran danvil lang makikinabang…hope they will set a standard in refunding. again thanks
as far as their refund policy’s concerned, ala akong idea liezl, kasi nung nadale nila ako right there and then napacancel ko yung dapat nilang icancel… ayun…
Oh my! paano na kaya kaming mga OFW na nagpapakahirap magtrabaho, bwisit na Danvil lang makikinabang.Di naman kami makauwi agad para magpakacancel ng policy. I’m sure malalaki ang nahuthot nila sa amin. Mababa ang 100thousand na nahuthot nila.Any OFW out there na nakapagrefund, please help me, my email: jammy_36@yahoo.com. Nakakapanlumo, nakakadepress na sa wala lang mapunta pinaghirapan ko dito. Really need your advice mga kabayan!salamat. GodBles!
i would just like to share my experience which like everybody else in this thread, who except for a few “lucky ones” escaped from the clutches of FFI/Berkeley/Danvil (same dog different fleas perhaps) unscathed.
i also experienced that same treatment and ended up in the same sad predicament as you guys. after being led on this thread thru google (actually theres are a LOT of them on the web which may help the FFI/Berkeley/Danvil defenders to think why they ever existed) Mass hysteria? I think not. this popular thread topic wouldnt be possible or
would have died a natural death long ago if unwilling customer-turned-victims kept on sharing their sad experience on this and same other thread)
which made me wonder had i wrote a blog then when it happened to me (2001 Festival Mall Alabang), then at least the victims were not this many. But im really not into computers and just considered the whole experience a nightmare.
im a regular mall-goer but the experience made me avoid that mall as well.
i also felt duped (bob, if there’s a term for “legal-stickup” then id like to use that to describe what i felt after. the bottomless iced tea combined with ear deafening “in the end” by linkin park must have something to do with it? hehe!)
when i finally regained my senses (after handing over to me my newly acquired cc together with the receipt) i rushed to call the cc’s customer hotline as soon as i got out to ask whether i can still cancel the transaction. the bank says it cant and told me
to just cancel it thru the merchant. i know i cannot endure to return to that friggin’ place again but i know i must still be able to get a partial if not a full refund)
so i returned heavy-footed to that God-forsaken place to file a cancellation of my plan. i remember being led to a consultant room again to have a one-on-one conversation. certain ms. lina asked me
if i am truly decided to have my plan terminated, said yes then still tried to persuade me but this time am firm to cancel so i was told again to have my cancellation paper be given to the receptionist.
i thot everything will turn out fine after that coz a month after i received a billing from the bank and voila! cc damaged-10k!
i was so furious at that time and thot of blowing the damn place up! luckily im not a demolition expert and the only “explosion” im capable is passing gas on my behind! hehe!
i also dont want innocent people (read “would be victims”) involved. (collateral damage?)
well, i now consider everything a thing of the past (albeit a real nightmare and expensive too!)better to get shot once and lived to tell than continue walking with a pebble on your shoe.
congrats to everybody who received their refund! and to bob thanks for this thread of yours and similar-themed threads (theres a LOT!) to keep our fellowmen informed.
because sad to say thats all we can do PASS INFORMATION to your all your relatives,friends like a chain mail. if it would prevent the people you know
from falling prey to this scam then we should do it!
ok thanks again bob
Hi.. everyone.. hope nakuha nyo na din mga refunds or charges nyo.. just keep posting here for those who need helps.. this forum is very helpful..
@ kaye
nagfile na ko ng cancellation last week, tinanggap naman nila agad.. sabi lang 30-45 days ung processing.. sna bumalik na agad pera ko.. thanks for the info..
@ bob
sobrang helpful ng thread.. thanks
Thanks Yapui, actually this post started to vent off from that experience, then all of a sudden I’ve just noticed that I’m not alone so… much thanks to you guys as well for dropping by. :no1:
Feel free to view my other posts too. (nag plug eh no?) :gg:
Hi everyone
@yapui:
ahm.. follow-up mu n lng po sa kanila lagi ung credit memo na ifforward nila sa bank mu 
buti nmn po tinanggap nila agad
@bob:
thanks sa thread.. daming natutulungan
hello, i just want to inform you all, that my Danvil account was cancelled already. 2 weeks after ako maloko s danvil n yun, bumalik ako s southmall pr ipacancel, pero umuwi ako luhaan at nphiya lng s mga agent dun. after 1 week my nrecv ako email from SEC, kc ngemail ako s knila a day after ako maloko. yun sb nila ngsend dw cla letter s danvil pr ibalik yung pera ko. after 1 week uli tumwag skin yung tg-danvil pinapapunta ako s ofis nila at dalhin ko dw yung Policy. so ngpunta ako dun ibinalik ko yung policy, sb skin w8 dw ako ng 30-45 days pr m-charge-back s credit card ko yung nkuha nila. yesterday was the 30th day. tumwag ako s metrobank to check my credit card account, and sb nila my posting n dw from Danvil. Thanks a lot s mga advice nyo. tpos n problem ko. tnx!
hello!
im glad dahil na open ko itong blog na to… coz i too, have also been a victim .. in fact nitong last sunday lng October 5, 2008…nalungkot talaga ako…:( basta ang bilis ng pangyayari during thattime …
all i want to do is to take some actions na rin … the sooner the better….kaya talagang nag research me….and yun nga im happy that i found this site (mr. Bob) thank you!
not only i want my money back, but for those people na rin na pweding maloko pa ng company na to….
@Philip – comment for Diane and yvette:
“I think na credit na yun kasi its considered a purchase.” It would be best to go directly to the office and file complaint or cancellation…”
alam ko na na credit na ngaaa!… but you know what, share ko lng…nag insist talaga ako before dahil ang credit balance ko nun was intended sana sa bibilhin kng item…but sinabi ng DANVIL consultant okay lng daw dahil “HINDI naman considered as a purchase kundi IPON naman….(ano nga kaya yun? dahil nung time na yun parang nalasing na rin ako sa ice tea)
wala lng… basta DANVIL balik nyo pera ko!
@bluediane..
nareplyan na kita sa YM.. just follow the instructions..
(please also read this, repost but i think this would help sa mga new victims)
REPOSTED:
In my case kasi, I have noticed agad na naloko ko.. so before 24 hours nagreklamo agad ako.. 1st na balik ko to cancel my account with them pinaliwanagan na naman ako ng isang agent na maganda daw.. ako naman d ko malaman kung bakit naging mahinahon ako.. So the second time na punta ko sinama ko na manager ko nagpatulong ako na na makipagdebate.. So nadisappoint sila at kinuha policy ko(papers).. an agent told me to wait for 10 working days and after that nagsadya ulit ako ng may kasama.. That’s it.. they only said na cancel na yung account ko and nabalik na yung charge ko from them sa Credit Card ko.. pero before that nagsadya din me sa SEC.. pinarecieve ko yung letter ko.. na nagssabing gusto ko maibalik yung perang kinuha sa CC ko.. so pinakita ko sa DANVIL yun.. basta pre payo ko lang magreklamo ka ng tama.. include mo sa letter mo like.. misrepresentation of the merchant.. kaya ganun.. kasi may mga taktika sila na d mo malaman eh.. makipagtulungan ka din sa provider ng Credit Card mo..
@bluediane
yan din sabi nila sakin. kesyo magkakaron ako ng savings acct sa HSBC part of my credit limit will be transferred sa “SAVINGS” acct ko. lech un pala charged sakin un X( ang sabi p nila libreng insurance pft! un pala insurance tlaga ung binili ko X( tsk tsk.. iba tlga marketing strategy nila puro panlilinlang tsk..
sadly, i’m the newest victim on this thread. akala ko ok since prudential life affiliate daw but when i checked my papers, i got really suspicious coz they’re not credible enough.
so i checked with the prudential life site to see if i can check my new policy and it doesn’t accept my contract number. so i searched regarding danvil and found this blog. thanks, bob, for sharing this.
i hope i can have a speedy process with the refund since last night lang nangyari ang horrendous hypnosis na un. huhuhu. i was just thinking of having a trust fund to compliment my investment fund in prulife and now this.
and kung legal nga sila, ba’t 19k down ko unlike the others diba? there’s really something fishy. thanks to all of you guys for your inputs. wish me luck. i already asked BPI (my cc bank) if i can cancel the transaction and the cust service rep said i have to ask the merchant (danvil) to cancel it. *cross fingers*
God bless us all and I hope this modus will be stopped sooner so there’d be no more people duped into this.
Hello ner, actually before I got into the Danvil scammers, another company which was Prudential itself is having the very same scheme. The freebie that I got was a accident/death insurance and somehow when I checked it w/ Prudential it was actually a valid policy which is good for 2 or 3 years (I can’t actually remember). But when they told me something about the trust fund thingy I simply declined and they’ve let me through without giving me a hard time going out of the building.
That’s trust.
These scammers have something new in their sleeves… Gee. Yeah I wish you get your money back. That’s yours! :no1:
thanks, bob! i went back yesterday to cancel my policy and brought two of my friends to back me up in case they gang up on me like the others in here experienced. thank God, they weren’t rude as the others have experienced.
i’m grateful that they accepted my decision even if it took some time for explanations and persuasion. i stood my ground and clarified that there was no clause in the contract regarding non-refund despite their former implication when i was signing up. they told me to come back on wed to get my cc cancelled transaction slip if my request was approved by the head office. i left my policy and their copy of my cancellation letter and made them sign my copy of my cancellation letter as well. however they said i’d only receive the refund 30-45 days after approval even if i checked with my cc account and the paid amount was still floating (meaning the bank and merchant hasn’t settled it yet).
i’m still hoping that i’d get my refund within the week and i’m going to continually follow up on this so there won’t be delaying tactics on their end.
will update you on this so others can be informed as well.
I’m also one of the victim. It happened only last sunday October 12. I was with my bf and it was my first time to southmall. Entrance pa lang may humarang ng babae sa min asking if i have a credit card so i thought that it was a promo of HSBC dahil meron pang game and prizes. After nun di ko na ala kung anong nangyari sa kin bakit during that time nawal ang pagiging mataray ko. Ewan ko basta feeling ko napakatanga ko after ko lumabas sa ofis na un. Akala ko pa naman matalino ako pero hindi pala dahil naloko ako…. Ngaun di ako makatulog thinking kung pano ko mababayaran ang credit card company ko. I called nga HSBC sabi nila danvil lang daw ang pwedeng mag reverse nun dahil naka float pa naman. Maawa sana sila at maibalik ung 7600 na ncharge sa credit card ko coz I said that i will go back there on sat to settle this matter. Sana may makasama ako para magreklamo.
Guys im also a victim of this scam last nyt lang, same experience like what others relate above so i wont relate my story anymore. And thank God I found this discussion for me to refund my money amounting to 9500. I finished making letter of complaint and emailed it already to ocom@insurance.gov.ph, pubassist_ic@yahoo.com and jose.aquino@sec.gov.ph. I am now about to make letter of refund and termination of policy to danvil. Can you please help me compose a letter of complaint. Your help will be greatly appreciated. thank you so much.
I went to danvil last saturday para ipaterminate ang contract ko but unfortunately wala akong nagawa to defend myself..Guys please help me how to deal with this…
Hello po! Ung nangyari naman po samin, tapos na ung hulog by next month. Hindi ko na ikwento kung anong sakit ng ulo dinulot samin nito nung sinubukan namin pa-cancel. Sayang sana nabasa namin ang mga blogs na ito noon pa. Pero di pa yata uso noon ang blogs hehe!
Anyways, so nag-inquire po kami kung pwede na makuha ung money. Ang sabi po ay 10 years pa daw para mag-mature. 50% lang daw ang makukuha kung kukunin ngayon. Napagkakitaan na naman nila ung pera, bakit bawal pa din kunin? Mga buwaya talaga!!!
May magagawa po kaya kami para makuha ng full ung naihulog namin?
hi,, nabiktima dn po kmi nian nung oct.18.. bgla nlng din po snwipe ung card tpos ayun n P6650 nkuha..
ttnung q lng po advisable po b n ipacancel n ung plan kasi bka pag pnacancel tpos wla mkuhang refund, mas masayang ung nbayad n? anu po b dapat gwn? thank u po.. sna po mtulungan nyo aq.. pwede nyo po aq i email s miyaka2484@yahoo.com
I’ve already submitted letter of termination and refund of money, nereceive namn ng tga Danvil. They said i should wait for 30-45 days para macharge back sa credit card ko ung 9500. How can i be assured na machacharge bak nga sa cc ko ung 9500?
Sarah,
You may contact your cc company and tell them that Danvil provided you with that statement na 30-45 days the chargeback will take place… Yung iba dito nakuha rin nila na mas mabilis yung refund. But I guess they’ve made that stupid 30-45 day refund policy,
Miyaka,
Opo. Pera mo yun, kaya dapat lang na ibalik nila sayo yun.
Nag aaccept po ba talaga sila ng letter of termination? Last saturday po kasi I was supposed to submit my letter of termination but they did not accept the letter. Gusto ko na talaga syang materminate habang maaga baka kasi kahit bayaran ko po un masayang lang ang ibabayad ko dahil hindi ko rin makukuha ang pera ko after one year just like ung iba na gusto ng mag refund. Please help me mr. bob to what i am going to do…
sLAmat bob.. npacancel q n ung plan q.. maghntay nlng dw ng 30-45 days pra dun s refund.. thank u so much..
hi po, just like you guys, victim din po ako ng lecheng DANVIL na 2, last october 14, 2008.. i already submitted a cancellation letter to the head office at dun sa branch nila which is sm mega mall.. they called me, and set a conferenece meeting with the consultant, wid the branch manager this coming tuesday ( october 27, 2008 ).. kala nila uurungan ko cla, mukha nila, gagawin ko ang lahat mabalik lang ung pera ko, pagmumurahin ko clang lahat dun……pwede po ba ninyo akong tulungan anu dapat ko gawin?..kasi knakabahan din ako eh, ako lang kasi ang pupunta dun d ako masasamahan ng friend ko….
I also got a policy from them last september. Last week I sent a letter of cancellation and they cancelled my policy that same day I followed up thru phone. It’s funny na kinailangan ko pa magfollow up thru their customer care hotline bago pa nila mapansin yung email ko. They also told me na hindi daw nila pwede igrant yung request ko for refund, kesho nakalagay sa contract yung hand-written word na “non-refundable”. Earlier, I went to their main office in equitable to talk to them about the refund. Patawa yung mga arguments nung girl na nakausap ko. In the end, they received my follow up letter and told me to expect a call from their management next week or probably this week.
Good luck to me.
maswerte yung iba na the day after nakapagsend na agad sila ng letter of cancellation. ako it took me more than a month. sana lang talaga maapprove yung request for refund.
Hi,
I am a Danvil plan holder since 2007. I agree that the sales pitch of danvil agents are good, in fact, very good. I was convinced to get a plan, but after a week, I felt that something was wrong. I tried to talk to them to cancel my plan, but they just said that I won;t be able to get a refund and offered that I just downgrade my plan to a lower one. I was already transferred to cebu after that and was not able to monitor it again until they sent a mail regarding the transfer of ownership to legacy and that it did not push through. I was really worried and now that I read this, I know that I am not alone. Question is, can I still get a full refund even if it’s already been a year? Please help me with this since I really need my money now for my parents. Can I get a copy of the letters sent to IC and DAnvil just so i have a reference? my e-mail ad is aprl_dreamz@yahoo.com
Hi bob, i was also a victim of that Danvil Plans, same situation but I cash out the money…and like what others felt, nramdaman ko dn un and tinanong ung sarili ko if tama ba ung ginawa ko, na bkit nla ko npg cash out ng ganun nlang..haiz I want to refud my initial deposit of 6650. Can you please give a sample letters sent to IC and SEC and Danvil to serve as my reference?..and then after i sent that letter, i will go to Danvil to file for the cancelation of my policy. Anyone can guide me? Many thanks.
Hi Bob, I just want to share my experience with Danvil last November 16, 2008, until now me trauma pa rin ako at di ako makapagwork ng maayos dahil sa nangyari sa SM megamall. Magkikita kami ng mga college friends ko sa jollibee SM megamall sa main entrance at exactly 4pm, sa hallway pa lang marami na dung nakauniform or nakaformal attire lalaki at babae, marami cla, then a girl approached mo ang sabi “ms itatanong ko lang kung me credit card ka na?”then tinitigan ko cya sabi nya “wag kang magalala, di ako nagaalok ng credit card, meron lang kc kaming promo na mamimigay ng freebies sa mga visa and mastercard card holders.” Yung ibibigay namin sanyu na mga payong or mga bags, ala pong bayad yun ito ay para lamang maadvertise ang aming company, pwedeng patingin ng card nyu po?” pinakita ko yung card, at ang sabi nya ay may raffle promo raw cla at ang grand prize is honda na kotse.Cinongrats pa ako ng mga kasamahan nya.At dat tym sabi ko sa sarili ko hay naku parang family first ito.Pero Danvil naman kc ang name kaya sabi ko iba to.
Then I just thought na pwede namang mamaya na lang after kong i-meet ang friends ko sa jolibee,ang sabi nya cge samahan na kita, tapos ewan ko ba kung bakit di ako makaalis sa kanya at di ako makahindi. Tapos nasa 3rd floor na kami at habang nasa escalator, kinukuwentuhan nya ako kung taga saan ako at nung cnabi ko na taga caloocan ako ang sabi nya taga dun rin daw cya,what a coincidence di ba? pero kasama pala to sa marketing strategy nila,para mailapit ang loob nila sa magiging clients nila. At cnabi pa nya na educational plan ang inaalok nila at ok lang daw na tumanggi kc ala pa raw namn akong anak so di ko kailangan ang educational plan, maybe I could refer someone na mas kailangan nila ang educational plan na yun.
As we were in escalator, sabi ko hindi ito bluff ha? mabilis lang to kc meron pa akong imemeet sa may jollibee,she keeps on saying na sayang naman po ang ang mga prices at me chance pa po kayung manalo ng kotse, ang layu-layo na hanggang sa umabot na kami ng 5th floor or 4th floor, ang sabi ko san na ba? pwede bang mamaya na lang? sabi nya saglit lang po to alam ko naman po na di nyu kailangan ang mga payong at bags eh, hangganga sa makarating kami dun at magugulat ka na ang lahat ng empleyado ay nakapormal attire na kung susuriin mo ay di makakagawa ng mga kasinungalingan at pandaraya sa kapwa.
Pagpasok pa lang makikita mo na maganda ang place at may malaki clang TV na merong movie na pinapalabas. Tapos tinawag na ang name ko at pinapapirma ako dun na ang nakalagay ay na willing akong umattend sa “45 mins presentation” so sabi ko pwedeng mamaya na lang kc me pupuntahan pa talaga ako 4pm yun nakita ko sa relo ng babae, ayokong pumirma at tinwag nya yung nagdala sakin dun na ang tawag “Alona” na parang ang tono ng boses nya at meaning ng pagkakatawg nya ay ano ba tong recruit mo? Then Alona, approached me na cnabi cge na po ma’am saglit lang naman to eh, madadala ka talga sa pananalita nila at magagaling clang magsalita na napapirma ako dun.
Si alona ay kinausap ako after kong pumirma ang sabi nya ma’am galingan nyu po sa pagpindot ha kc kailangan pabilisan lang ang pagpindot para makuha nyu ang instant jackpot na honda mabilis lang po kc nga marami kaming clients.Ang game na cnasabi nya ay yung me 8 numero dun sa itaas dapat sa pagpindot nyo sa baba ay kaytugma nung nandun sa taas, intersting di ba ?kc kotse ang grand prize.
Maya-maya tinawag na ako ng lalaki at kinamayan, dinala ako sa pinaka-office nila at mapapansin mo na marami ang nandun, sa isang table nakaupo ang isang agent at isang prospective client nila.
Dinala ako sa isang bakanteng table at doon ay inumpisahan nya na ang pagpepresent ng company nila.May hawak cyang papel na ang nakalagay ay Philippine Prudential Life Insurance Company,then I asked him affiliate ba cya ng Prudential Life?sabi nya hindi.
Then ininterview nya ako,he approached me as a friend and he was so nice inalok nya pa nga ako ng iced tea,tapos yung takbo ng usapan namin from my personal info and dreams ay napunta na dun sa laman ng savings ko at kung anong credit cards meron ako. At marami pang mga compliments na sinasabi na maganda ang buhok at yung mata. At that time ninerbiyos na talaga ako,at gusto ko na ring umuwi dahil merong naghihintay sakin sa jollibee at nakakahiya talaga pag di ako makapunta, sabi ko parang sa family first na to ah, because maraming kumalat na balita na pangit ang marketing strategy ng family first, well, having a plan or insurance is good but their means are not. At nararamdaman ko na din na hindi na yun 45 mins, low bat ang cellphoen ko dat tym at every time na tinatanong ko cya kung anong oras na di nya cnsabi kc ala cyang watch at yung office din nila alang wall clock.
Sinabi nya ang tungkol sa investment na dapat daw habang bata pa ay nagiipon na at ang lahat ng maiipon ko is for my future and my family, paikot-ikot kami dun sa mga topic na yun at ang sabi pa nya na ang investment daw sa kanila ay 52/a day lang daw or 1560 per month na magstart pa sa Jan. 1, 2009 at makukuha mo lang cya after 5 years na magkakahalaga ng 175k which is malaki namn talagang halaga, sabi ko di namn po ito sapilitan di ba? ang sabi nya di namn kita pinipilit ah, pinapliwanag ko lang sayu yung mga kagandahan ng savings, sabi ko oo maganda cya pero I cannot decide as of this moment, sabi nya bakit di ka makapgdecide as of this moment kc napepresurre ako at the same time ay may iniisip ako na mga tao na naghihintay sakin, ang sagot nya di kita pinepressure ha?
Tapos sinabi ko rin na kailangan ko kc munang iconsult ito sa family ko dahil kasama sila sa budget ko tapos babalik na naman kami dun sa start na ang sabi nya di ba ang savings nyu samin namn ay para sa family nyu at para sa future mo? sabi ko , your motive is good at maganda ang proposal mo pero ayoko at gusto ko ng umalis kc me naghihintay sakin na di ko namamalayan at umiiyak na ako at lumalakas na ang boses ko, Naiiyak ako dahil gusto ko ng umalis pero di nila ako pinapaalis, for me it is unethical kung lalabas na lang ako basta basta, ang sabi ko pa sa kanya ang sabi ni alona (yung girl na nagdala sakin dun at nagapproach sakin sa main entrance) is educational plan ito at pwedeng umalis kahit na anong oras, alam mo ang sabi nya, hindi ito educational plan! so ang sabi ko eh di sinungaling si alona, meron daw clang educational plan but hindi yun ang binebenta nila ngayon.
Sinabi ko pa na ang sabi ni alona I could refer someone na lang kc nga di ko pa namn kailangan ng educational plan kc ala pa akong anak, ang sabi nya gusto mo ba? cla meron at ikaw ay wala? Tapos bumalik na namn kami sa start about sa kahalgahan ng investment.
Then a lady approached us, ang sabi, mam kc pumirma po kc kayo sa 45mins presentation eh kaya patapusin nyu na lang po cya.At sabi nya sa lalaki “Bilisan mo na kc para makaalis na si ma’am”
Tapos balik na naman kami sa start tungkol sa kahalgahan ng investment sa kanila.
Tapos sabi ko kuya di ako masamang tao pero gusto ko na talagang umalis at ayoko talaga ng binebenta nyu!then sabi nya di ko cnasabing masama kang tao ha? Tapos start na naman cya.
Sabi ko kuya, aalis na talaga ako ayoko talaga ng binebenta nyo, kaya pwede ba gusto ko ng umalis. At din a ako nakikinig sa kanya, pinapaulit ko sa kanya ang tanong pag magtatanong cya.
Tapos ang sabi nya cge wait lang ha, kc me papakiusap ako sayu na tao, sabi ko sino na naman yan? baka naman pipilitin nyu ko ulit sa pagbebenta nyan sa kin, gusto ko ng umuwi,talagang malakas na ang boses ko.
sabi nya hindi daw kc yung pupunta dito ay i-eevaluate daw cya dahil for promotion daw cya at tatanungin ako, sabi ko bilisan nyo lang ha kc gusto ko na talagang umuwi at sabi ko I’ll give you 10, tanong nya anong 10? sabi ko 10 out 10 ang rating ko sayu which is 10 is the highest para lang matapos ang lahat.
Tapos tumayo cya at me hinhanap cya at di nya makita ang hinhanap nya, tinwag nya ako at sabi halika ma’am dito na po tayu, sabi kom san nyu na naman ako dadalhin?baka naman tungkol yan sa investment na naman ayoko na gusto ko ng umuwi at sabi nya hindi po dito na po tayu sa exit pauuwiin na kita, tapos nag-log out ako sa logbook nila at bingyan nila ako ng ballpen.
Nang pagdating ko sa escalator at tinanong ang isang mama kung anong oras na ang sabi nya ay 5:30 na at yung cnsabi nilang 45 mins ay umabot ng 1 ang half hour. Yun sa bandang huli di rin kami nagkita ng mga kaklase ko, kakainis talaga! Good thing dahil di humantong sa pagbibigay ko sa credit card ko. Thank God! Sa bus habang pauwi ako, umiiyak ako kc feeling ko nasayang talaga ang oras ko at naloko ako. At di ako makatulog ng gabi na un dahil kakaisip sa pinirmahan kong personal info
Ang Danvil ay family First rin pala, ngayon ko lang nalaman nung nagsearch ako sa internet.
Pag nagtanong ka sa kanila na tipong ayaw mo sa ibinebenta nila ay ibabalik nila ang tanong sayu hanggang sa ikaw ang mapaisip, Yun ang one of their marketing strategies.
Eto pa, pag cnabi mong taga-saan ka sasabihin nila namalapit lang cla dun, sino ba namn ang nakakaalam kung totoo ngang taga doon cya,way nila to para mapalapit ang loob nila sayu.
The more na nakikinig ka sa kanilang mga sinsabi lalo kang mabebrainwash buti na lang at busog ako ng pumunta doon.
Nag-apply ako sa Family First pa cla noon before i graduated sa college nung 2006, aaminin ko na naakit ako sa title ng position nila na “Sales Management Trainee” at for 5-day training na ako at dat tym, sa office nila sa the enterprise tower ayala, makati. Pagdating ko sa bhay pinagalitan ako ng father ko bakit daw ako nagapply dun dahil nga marami ng kuwento na di maganda ang company na yun at first job ko yun if ever.Nalaman ko ngayun na pareho rin pala ang tactics nila sa pagkuha ng client at paghihire ng tao.Bago ang 5-day training sinabi na sa amin ang gagawin namin as part of the team, pag me client dapat tanungin mo muna ang mga personal info nya halimbawa tagasaan ang magulang mo?at halimbawa ang sasabihin ay taga-Bacolod ang dapat daw na sabihin ay ako rin taga-Bacolod,di rin naman malalaman na taga-bacolod ka ba talaga eh, way nila yun para makuha ang loob ng kausap mo.
Magaganda ang mga incentives at motivations nila sa employee nila, me trip for two sa hong kong, bahay at lupa at kotse me pictures pa cla dun sa office nila na yung nagsasalita sa harapan sa ibang bansa kaya parang maiinspire ka na mag-apply. Kaya cguro di mo rin masisisi ang mga empleyado dun kc pag magdala ka lang dun na dalawang tao sa office nila for 45 mins presentation ay may 20 thousand na agad yung nagdala sayu dun.Yan ay base sa explanation sa min nung kumausap sa amin sa mga newly hire dapat.
I don’t know kung sa story ko na to is nahypnotize ako or talaga lang mabait ako at ayoko cyang mapahiya or talagang naloko lang talaga ako,,kainis!!!
Hello April, Itche and cypersky!
Thanks for the replies, btw, you may read Diane’s reply on how she was able to secure the papers and forced this company to give her money back… Let me know if you have more questions and sorry for the late reply, I’ve been very busy lately…
nabiktima din po ako ng danvil..
nung sunday Lng po.. sa may cyberzone sa sm north, ksama ko bf ko.. then dinala kame sa loob ng sm for presentation.. may pinafillupan sken na information sheet.. name, address etc.. then after nung presentation, willing na sana akong sumali dun kaso nung kinuha ung credit card ko sabi zero balance daw.. so sabi ko “ai ganun po ba.. cge po wag na lng po..” pero alam ko meron iyong laman kc kakabayad ko lng.. then inulit pa nga.. zero tlga.. so umalis na kame.. ngtaka ako kc baket mgging zero eh ngbayad ako.. saka if ever hindi naman ubos ung credit limit ko..then nginquiry kame nung bf ko sa payphone.. then zero nga cia.. so kahapon ( novemebr 19, 2008 ) , dun Lang ako tumawag sa bdo to ask baket zero credit limit.. then sabi ng bdo.. may 9500 daw kc akong balance.. sabi ko 9500?? eh wala naman akong transaction na ganun.. tas sabi nia nung sunday daw.. danvil! hala! nagulat ako.. sabi zero tas pumasok pla.. pinapacancel ko sa bdo kc sabi ko wala naman akong transaction na ganun.. sabi nia hindi pa daw un transaction kc naghhintay pa ng receipt.. after 14 days pa daw malalaman kung transaction daw iyon or hindi.. dun ko lng daw pedeng ireklamo at iimbestigahan daw ng bdo! hindi ko alam ang ggwin ko.. ni wala akong papeles na galing sa kanila.. pero nakuhaan nila ako ng 9500.. help naman po.. email me at 07danda07@gamil.com.. thanks po..
Hi diane, can you give me some reference para sa letter of complaint n gagawin ko sa SEC and IC? I was ask my dad to help me para makuha ko ung refund ko and im just worry kc although nag cash out ako, snwipe dn nila ung card ko tpos sv nla zero balance nga dn dw..i want to get the refund ASAP..need a help po…tnxs
here’s my eadd nga pla..michellemamuad@yahoo.com
thanks…
I’ll contact diane for your concerns itche,
hi bob and itche,
Pahingi na din ako ng copy ng letter pwede? email ad ko is aprl_dreamz@yahoo.com
This is a story of my friend which happened last November 20, 2008.
She asked me to spread it to all the people I know….
I am a mall rat who frequents SM North EDSA, but never have I experienced anything like this nor have I expected to be a victim of this vicious scam. As in sobrang nakapanlulumo. Imagine I lost Php 9,500.00 in an instant!! I never realized that I will be a victim until that fateful day.
I just got from my office and passed by SM North Edsa, I even spent an hour to stroll, at my watch it was a little past 8pm. I decided to pass by the Basement so I can go through SM Department Store. Suddenly a gay clad in formal attire bumped into me and started asking if I already have a credit card, I said “merun na”, because I was in a hurry and doesn’t want to entertain such people. But to my surprise this gay grabbed my hand and said “sandali lang to mam, may libre po kayong gift sa akin”. I reiterated to him that I was in a hurry but he didn’t listen. Despite my plea, he still insisted and even showed me the tumbler or clock that I could receive. Then this gay asked me to sign a form which he said will entitle me to play a raffle, sort of a slot machine. He started asking me questions like: where do I work? And acted like he was some kind of a friend “feeling close”. But I knew at the back of my mind that it was just a strategy. After filling up the form, he told me that I’ll be playing the slot machine upstairs, with hesitation I just agreed because this gay was so persistent. So we went upstairs, and he led me at the 4th Floor, and there I read the sign “Family First”. I went inside their office, then the snoot receptionist confirmed if I have agreed to finish the Presentation that will take 45 mins. At this point, I was starting to get annoyed and told her that it’s too long. I was about to back out, when another girl made a plea on me to stay. As I was waiting for my turn for their so called presentation, (I even thought it was some kind of an AVP), the gay even offered me iced tea and water, but I refused it. Thank God I refused it, they might have stirred it up with sum kind of sleeping or hypnotizing drug. After 10 mins, a reputable looking girl in her late twenties came out and shook my hand and introduced herself as Cheli. This Cheli girl seated me inside the office, that’s the time I had an idea that the presentation was a one on one thing. Cheli was good in communication and she started asking me a lot of things, which at first I hesitated to answer. She even used a paper as props where she writes everything we discussed upside down so I can easily read it. She asked about my plans for the future and more..Her discussion took an hour. After her explanation told me that in order for me to activate my savings account I need Php 9,500.00 as Initial premium. Then she told me that they will have to check first with the bank if I am allowed to borrow that sum of money. I thought that they will be calling the bank and make some checking. At this point they asked for my Credit Card, and I didn’t know that they will immediately swipe it. Lo and behold! My Php9,500.00 was gone! The girl asked me to wait for the printing of my policy. Whew I got an insurance policy in an hour? OMG!! There I was shocked, dumbfounded and speechless! I was victim of a persuasive syndicate that coerced me to sign something against my will. After handing me the policy I asked Cheli if I will be able to get my P9,500.00 after 1 year, she said yes. But after reading the policy at home, I realized that I will just be getting a fraction of my money after I pay the subsequent premium for 1 year.. so that’s totally BS!(Bullshit!).. Now, I want to throw at their faces the tumbler they gave me… This is not fair, as in na 1-2-3 ako ng ganun ganun lang. I went at SM just to buy something.. and what did it cost me? My Php 9,500.00? I know it was partly my fault because I entertained such people, because I don’t want to be rude. Now I’ve learned my lesson! Abuloy ko na lang ang Php 9,500.00 sa kanila..
As of now I have no choice but to accept the fact that I was shamelessly victimized by this Scam.. I also checked it out in the net, it’s certified that a lot of people have been victimized. I don’t want to judge those who work under this company, I know you just want to earn a living for your family. But what you are doing doesn’t make you a respectable sales or marketing person. Nanloloko kayo or your taking advantage of people’s innocence.
That is why I am informing everyone of this.
Maging maingat po tayong lahat. Don’t give out informations easily. Wag po kayo basta basta mgtitiwala kahit kanino, kahit na po nakikita pa natin sa mga SM Malls ang mga ito. I’ve realized that even management of Henry Sy can’t do anything to stop this scammers. Please let other know about this.. Spread this to all people you know, especially those who go to SM Malls. If you ever encounter this names: DANVIL, FAMILY FIRST, PHILIPPINE PRUDENTIAL LIFE, BERKELEY…Stay away from them!!! They’ve been changing names after names. Ang Insurance po ay pinagiisipan at di kinukuha ng isang oras lang.. dahil po ito ay galing sa ating pinaghirapan… SALAMAT sa PAGPAPAKALAT!!!
hi bob,
can i ask for diane’s email ad. I would like to ask if she can give me reference para sa letter of complaint n gagawin ko sa SEC and IC? I am really considering to back out my plan. I am a planholder of Danvil since Dec 2007. I sticked to the plan coz nasayangan ako dun sa P9500 that they get from my citibank card.
.. but when I read the entries in your site, I think its about time that I’ll close my plan in danvil.. bago pa mahuli ang lahat…
Just posting my experience also.
In my case, 24k yung nakuha sakin nung Nov. 5. I don’t know what made me say yes, ang laking pera nun, but their sales tactics were really convincing. I felt so stupid afterward and I couldn’t sleep! Good thing that the next day, when I went to cancel my plan, I met someone else with the same predicament (now my friend, haha! Weird how you could meet friends in the most unexpected situations). She was able to have hers canceled kasi nagwala sya, but the consultant I was with tried convincing me and told me that my money couldn’t be refunded. Meanwhile, the people inside the office forced my friend to leave and even approached her while she was outside the office, waiting for me. Sabi nila, “Bakit ka pa nandito? Diba na-cancel na plan mo?” and she said, “Hinihintay ko kaibigan ko, bakit?” They insisted she leave and she told them “Bakit, bawal ba makipagkaibigan?!” haha.
I couldn’t get my plan canceled at first, so my friend suggested we complain to the SM Administration. I’m really thankful she was with me that day, because when we went to the Admin office, it was the head of security who told us that there was a 24-hour cancellation policy, where I could be refunded in full. He called in Danvil’s head of sales and that girl told us that she can cancel the policy for me as soon as she entered the room at the SM Admin office, haha. Natakot ata na nag-skandalo kami and naka-file ng complaint sa security. Then the Head of Sales and the General Manager both talked to me about Phil. Prudential Life being a legit company, blah blah, and the GM even admitted na they had been on Hoy Gising and The Probe Team already, pero mga maninira lang daw sila. Okay whatever, yes na lang ako ng yes para makaalis na ako, they made me write a cancellation letter, signed by the head of sales, took all my papers, and gave me a photocopy of my cancellation letter.
But it doesn’t stop there! My friend and I still weren’t fully confident with the cancellation letter, so we returned Saturday to demand confirmation that they really are canceling our policy because we weren’t satisfied with the cancellation letter. My mom and dad accompanied me and my friend was accompanied by her husband. My dad and I argued for a long time with the person who talked to us, voices raised and all, but strangely enough it was my mom and her calm statement that she might just bring our story to the media that made them give us a Statement of Account. ;p They gave one to me and one to my friend, and I had my Credit Card’s dispute form, cancellation letter, and Statement of Account faxed to my Credit Card company. They said the Credit Memo would be sent directly to the cc company.
Unfortunately, I’ve still been charged because the 30-45 days processing time fell after my card’s cut-off date, but my cc company told me to follow-up with them to confirm the cancellation of the charge. I also, just now, e-mailed Danvil plans/Phil. Prudential Life to follow-up on the cancellation on their end.
I hope everything goes well and I get my money back. Ang laking halaga din nun, buti sana if I’m 100% secure with the company. Kaso with all the negative feedback, who would feel secure with them, diba?
I’m really glad to hear about the people who had their money returned and those who also completely avoided signing the plan in the first place.
This blog is really helpful! I hope word of Danvil/Philippine Prudential Life/whatever they’ll be called in the future continues to spread so that more people can avoid their less-than-ethical sales tactics.
Hi everyone,
Well, nakakahiya mang aminin, victim ako. At every time na naaalala ko yung nagyari, naiiyak na lang ako. Halos hindi ako makatulog at makakain ng maayos ng ilang araw, hindi nga rin ako makapagtrabaho ng maayos eh. Akala ko wala ng pag-asa na mababawi ko pa yung ibinayad ko, buti na lang nandyan kayo. Gusto ko lang mag-thank u sa mga napost kung pano nila pinacancel ung policy and nakakuha ng refund. Thank you, Thank you. Nakakita ako ng pag-asa. Sa ngaun, hinihintay ko pa yung reply ng Danvil, SEC and IC sa email ko.
BTW, meron lang ako napansin, nag-eemail din kasi ako sa Prudential Life (info@philprudentiallife.com; philprulife@philprudentiallife.com; support@philprudentiallife.com), tinanong ko kung legit yung naging transaction ko with Danvil. Pero isang Ginny Santamaria ang nag-rereply sa akin, at ang gamit nyang email, yung yahoo mail nya. Sabi nya legit yung transaction, and ung Danvil daw eh consultant nila for mall operations. Nakakaamoy na ko ng kakaiba dun pa lang sa hindi nya paggamit ng company mail ng prudential. Ngaun alam ko na kung bakit, taga-Danvil din pala sya, natural sasabihin nya legit yun. Hay, ang hirap na talagang magtiwala ngayon sa ibang tao. Sana lang magkaron ng positive result yung mga paghihirap natin. Thank you ulit, and gudluck sa ating lahat.
Hi Bob,
I just want to share… i’ve had the same experience just this dec. 5th ‘08 at SM North EDSA. Really the same thing that happened to indieproj’s friend. i don’t know what gotten into me for believing and following the agent to their office. In the first place I really had the feeling of backing out before signing the form but i felt like i was trapped, hypnotized or something… i know its my fault and made a wrong decision for stepping in their office but i don’t know what made me still continue to go with the process.
I felt really bad coz in an instant I lost P9500, especially now that im saving for the holidays… haven’t slept that night either but it’s my bad and it’s too late… i’ve let them convinced me… Anyway I just think of it as a learning experience.
Unfortunately I wasn’t able to cancel my policy w/n 24 hours as i’ve read in other blogs that it should be cancelled w/n 24 hours. but i really want to get my money back 9500 is no joke. i’ll keep on checking and reading other blogs on how they handled their refund so i’ll have clues…
If you can help me please… i would lyk to get diane’s e-mail address so i can ask some questions regarding refund. You can send it to me at nagain08yahoo.com
Thanks a lot for sparing time in reading this one….
Hello Never Again,
I strongly suggest you drop at Diane’s site: http://godiane.net
Godspeed!
Hi Bob!
Thanks a lot. This will really be a big help…
Congratulations for winning a prize at the SONY event. Keep up the good work for this blogsite, very informative and entertaining… 
Got to go. Bye.
Thanks a lot Never Again! :no1:
victim din ako , sa kasamaang palad yung page kung san ko dinulat yung kwento ko ay may nag report so ngayon naka block na at di ko ma access fuggin shit. gahh…
Good day po, nakapag-sign po ako ng contract last dec 6, late pa po ng malaman ko about sa DanVil na madami po palang complain, gusto ko po pacancel yung contract pero masyado po ako busy sa work, ano po ba yung pinaka mabilis at madaling process? Tumawag po ako sa MEtrobank hotline, sabi po iblock nalang daw po yung CC ko tapos issue nalang daw sila bagong CC. How about kung ganun yung gawin ko, how about yung pera ko? And then, wala ba akong magiging kaso sa DanVil kasi di ko matutuloy ang plan sa kanila?
bat hindi Harold? pera mo yun eh.
Lagpas na po 24hours or 1week… panu po kaya un? nagtataka lang po kasi talaga ako bakit hindi na mahinto itong spam na ito?dami naman po reklamo… anu ginagawa ng SEC? yung gov. natin ala ba sila ginagawa? nakakatakot na tuloy kumuha ng insurance kahit saan pa…
Hi Bob,
please give me references pra ma claim ko yng hinulog ko sa Ffirst/Danvil mula 2004 till present pati deposit.Wala na kasi ko mahingan ng tulong gang mabasa ko tong site mo.Tagal ko rin pinagkatiwala kinita ko sa mga taong mababait(pagpalain sana sila).D2 kasi ko sa bahrain ngayon kaya di ko maasikaso ang process ng papers para sa refund(makuha ko pa sana).Merry X’mass and may God Bless Us!!!
Hello Bob,
I already canceled my CC. Because I have no time to file a complain letter and go back to SM (Danvil Office. I am still here in abroad. Even though i have paid more than 20k,I let my hard earned money go to waste.
Sayang but someday it well be return to me in another way.
Salamat Bob sa advice and keep up your informative site.
hi bob,i’m happy that I’ve read this site. last december 7 nagdedate kami ng fiance ko sa SM Southmall..and just like your experiences, naakit kami nung game nila and ang kapalit lng is 45 mins na orientation about their company..naawa nmn ako sa girl na un kaya sabi ko pagbigyan na lng namin kasi kelngan daw nya ng points ekek…
and ayun nga, pinaghiwalay na kami and ipinakausap sa mga agents nila..the way lng magsalita ung agent na naka assign sakin, nagduda na ako..kasi if reputable company ang Danvil, bakit kukuha sila ng agent na ganun, tagalog na nga lng, mali2 pa grammar.di pa mapronounce ng maayos.tapos hanggang sa pinagtulong tulungan ako ng 5 agents..pati 2 managers..lahat sila nagsasalita, ang sakit na ng ulo ko..pero ang sabi ko sa kanila, tigilan na nila ako kasi kahit ano gawin nila, di ako kukuha…hanggang sa minaliit na ko ng manager na di ko daw kaya kumuha ng plan nila.na magastos daw ako..at andami pa..na halos maiyak na ko sa mga pinagsasabi nun..(pasalamat ka di ko alam pangalan mo, ang pangit2 mo, akala mo kung sino ka)…nag full force tlaga silang lahat para maconvince ako…as in…tapos ang sabi ko, kakausapin ko muna ung fiance ko..tapos hinaharangan nila ako..imagine how cheap they are…sobrang nabwisit tlga ako..pero nanindigan tlga ako sa desisyon ko..and parang sinabi pa nya na sarili ko daw isipin ko, wag ko na daw iisipin ung finace ko kasi pwedeng di kami magkatuluyan..basta ung mga ganung style na parang mapapaisip ka tlga tungkol sa relationship nyo..na parang bibigyan ka nila ng doubt..na sobrang nakaka hurt kasi ako sa sarili ko, di ko naiisip na pwedeng magawa nya sakin un or mangyari samin (panloloko, buntis iiwan,may ibang babae,etc ) in other words, I was mentally harassed..pero ung galit kong un ung pinanghawakan ko na NEVER ako kukuha ng plan sa knila kasi they treated me like hell…
I am proud of myself na di ako nagpadala sa knila,knowing na this persons do not have professional ethics and guess what, lahat sila single mom na iniwan ng asawa at may masters degree..un ung mali nila, andami nila ipinakausap sakin, nalaman ko tuloy kasinungalingan nila kasi pare pareho mga sinasabi nila.. but to my surprise, inanounce ung pangalan ng fiance ko na planholder na xa..and syempre namumula na pisngi ko sa galit..pero pinigil ko muna sarili ko kasi ayaw ko ng scandal..
so ang nangyari, nag away kami ng fiance ko..super away..to the point na muntik na kami maghiwalay..and bigla akong huminahon, kasi naisip ko na nakuhanan na nga kami ng pera, pati relationship nmin sisirain pa.(kasi pinagsasama na namin ang pera namin kasi nagpupundar na kami).kaya ayun, inexplain ko sa fiance ko lahat ng nangyari…and kaya pala xa kumuha kasi ansabi ng isang agent, kumuha daw ako and pinapasabi ko daw na kumuha din xa..bwisit tlga..at alam kong naloko kami bago ko pa nabasa tong blog na to..
sabi ng fiance ko, “kaya lng nmn ako kumuha kasi ansabi nila pwede ko dw ipacancel at irefund ung initial deposit anytime.bibigyan daw ako ng check at pwede ko i encash sa landbank the whole amount..inis na kasi ako kaya napilitan na akong kumuha, ansakit na kasi ng ulo ko at gusto ko na lumabas..pinagbabawalan pa nila akong pumntA sau kaya di muna kita natanong tungkol dito.”
ansabi ng fiance ko, sabi sa kanya ng agent, hindi daw automatically charged to his credit card kasi over the counter daw pag bayad..kaya di xa worid sa card nya.un pala, icha2rge nila monthly without prior nitoce.
kaninang umaga, pumunta kami sa main office nila sa makati at gumawa ng cancellation letter.sabi ng agent dun, policy daw nila na nonrefundable ang initial deposit…pero sabi ko, bakit ung sinabi ng agent sa SM Southmall refundable daw( Miss Caren Cenia)….tapos pinagawa lng kami ng letter of cancellation..at maghihintay daw kami ng 30-45 days…may marerecieve kaming registered letter na cancel na un..pero she assures me na no chrges will be made sa credit card ng fiance ko..
ask ko lng, enough na ba ung ginawa namin na letter to cancel the policy? wala kasi kaming nareceive na document kanina indicating na canceled na ung policy..only the letter lng na may pirma nung agent na nareceive nya ung cancltion letter..baka kasi idebit pa nila ung monthly charges tapos sasabihin nila na nasa process pa ng cancellation..
im so stressed na baka di namin marefund ung pera..please reply ASAP…thanks..
ansarap nilang murahin..sobrang nastressed ako…buti n lng, di kami naghiwalay ng fiance ko..kasi sobrang badtrip ako sa mga agents sa SM Southmall..lahat ng pambobola gagawin sau at pag di ka kumuha, lalaitin ka na cant afford ka..kung alam ko lng name nung manager na un na mukang manika ng mangkukulam….nanghihinayang lng ako sa pera ng fiance ko, kasi di nmn namin hinihingi ang pera..pinatatrabahuhan..buti pa ung mga empleyado sa main office sa Makati, well-mannered and respectable.
hi, i was victimized by Danvil just last December 02, 2008. but i did cancelled the transaction already and submitted dispute letter to hsbc. when i had the transaction, i got this feeling na mukhang hindi maganda ang danvil plans. and confirmed hindi nga, reading from this post. im planning to visit their main office sa makati to make sure lang that i’ll get the refund. wish me luck!
does anyone know the email address of aurora dino? i’m getting frustrated that they haven’t given any reply to the letter of IC to their management. I’ve followed up thru their customer hotline but they didn’t give me any concrete answer. grabe nahi-blood ako nung nakipagaway ako sa customer agent. follow up lang di magawa. now I have a feeling na hindi umaabot sa management nila yung letters from IC and SEC. that’s why I need to contact them myself to let them know. I don’t have the courage to go to their office anymore kasi super nasstressout ako. kahit pagtungtong pa lang sa equitable tower parang feeling ko tataas ang presyon ko.
kainis.
i am of the victim also of Danvil Plans at SM Southmall..They hold me for more than 2 1/2 hours. Tulad nyo ganundin ung sinabi nila sa kin. Pinagtulungan din ako ng mga agents nila, kesyo ganyan-ganyan…Sobrang exhausted na talaga ako, ayaw nila akong palabasin…Nakapagbigay ako sa kanila ng Php6650 na nakacharge sa Credit card ko..ng-inquire ako sa credit company ko and im so disappointed kc nakacharge na sa credit ko ung amount..it’s just happened yesterday, jan.12, 2008..plz help me..
help me Bob…i send an e-mail already to SEC but unfortunately hindi masend ung message ko..nakapagsend ako sa Insurance Commission lang..ng-email na din ako sa Danvil pero di rin ma-sent ung mail ko..i am so frustrated kc nakacharge na sa credit card ko ung amount and the every pala kakaltasan ung credit card ko without prior consent from me..anong iba pang pd kong gawin?gusto ko sanang lumapit kay Tulfo pero nadis-appoint din ako sa nabasa ko dito na ang dami din daw nilang ipapagawa, etc…etc..im so upset at di ako makapagwork ng maayos..
plz..i need your help badly..
Hi all,
If anyone could tell me if pwede ko pa marefund yong money ko kasi yong ginamit is ATM. I was really fooled kasi hindi naman sinabi na insurance sabi sakin savings just like bank. Nkapgpacancel nko ngayon , kahapon lang ako nkapagsign-up. Thanks
Hi Bob,
Can I get kaye’s email address..Just want to coordinate w/ her. You can send it to my email address para secure. Baka kung sino na naman mgsend sakin eh
hi bob,
Can I ask for the email ad of kaye? Or can I ask for advice regarding my case? Kasi I cannot go to Danvil, I am currently based outside of Metro Manila. And has been a plan holder since Oct. 2007. I recently received a mail from them stating that my payments are overdue, how can this be? When I tried to cancel my plan before, they said it was auto-debited to my card, now they’re telling me that my payments are overdue? I pay my bills before their due date that is why I find it hard to believe that my bills are overdue… I am thinking if this is another way for them to terninate my plan leaving me with nothing…. please advice,,,
hi im here again to share a good news!!! just this afternoon as I was checking my last Balance with Metrobank, the Customer Service Representative told me that I had a Php 0.00 balance.. I was shocked..actually more of an amazement..because I was expecting that the P9,500.00 that Danvil or Famly First credit to my CC will be billed thsi january.. I was ready to say goodbye to my P9,500 actually.. I just told myself that it was a bad learning experience for me. Maybe the people there realized how bad it is to get money out of deceiving people.. Or maybe they were threatened by my harassment. By the way.. I forgot to tell you guys on how I went there to cancel my plan. Actually I went there twice.. It was a week after I signed my policy.. The first attempt was not successful, because as I gave my cancellation letter to the Manager.. he said stupid things that made me just wait for another month to stop my continuous billing enrollment. But after that I couldnt sleep thinking that they will hack my credit card acct. So I reported to Metrobnk that my card was stolen and have it replaced soon… but up to now they havent delivered it to me. I’ve learned that even if I had my card replaced it will still be enrolled with the continuous billing I signed with Danvil, so meaning to say it’s useless to replace the card. I cant have peace of mind so I made a second attempt to cancel the policy, this time I brought my BF, and a friend with me.. so they will be alarmed. Upon entering the reception area, I saw the would be victims, I saw a aging woman.. and she was complaining how long she have been waiting for the presentation. I told her that she can go.. and she must not listen to whatever they say..I even told her that it was a scam.. So I discourged everyone i the room. When the manager refused that they have to talk to me while my BF and friend is present, I shouted at her.. so in short.. I became hysterical.. So I was shouting at the top of my voice..and everyone was looking. And then the lady manager assisted me inside a small room, and there we discussed cancellation. We had a heated argument, but I was able to made them sign the Cancellation letter I brought. I had a photocopy of all the papers they gave me, and I returned all the original. The guy manager made me realize that If I cancel that day, I wont be able to get back a cent of my P9,500. So I agreed, just as not to see that place and their faces ever again! So I left that place.. and even made a dirty mark when I left.. and told everyone at the reception that they DAnvil people will just get their money… After that we went downstairs to harassed the gay who forced me to go upstairs… they were all stunned. But Im not recommending everyone to make the same move… You might be beaten up by the guards… So a month have passed..and I’ve already forgotten what happened and ready to move on.. but Lo and behold they gave back my P9,500. Thanks!!! At least it was all worth it!! So next time beware of scandals…i mean.. scams…
its been a stressful experience to be a victim of danvil.
Finally, i just got my initial deposit refunded.
thanks to the bloggers and people who give instructions on how i can refund my initial deposit.
just want to share my experience to everyone.
i was heading home that night (December 18, 2008) when i passed their booth in the lower ground floor of SM North EDSA. that was around 9:00 pm when their representative asked me if i have a credit card. she pleaded if i can attend their 45-minute seminar because that day, she does not have any client yet. i extended my hand to help her believing that i will only listen for this brief introduction of their company due to lack of publicity.
their presenter discussed me those information only knowing that it was only a goal to spread the name of their company, then they asked me if i have a credit card and if we can check if my card company will confirm ONLY if im suitable for their policy. when i saw my co-customer that already printed the receipt in the cashier, i said i need my card and we need to discuss some things because we’re not yet closing the deal & that im going to get their service. unfortunately, they already swiped my card without my consent. i insisted that i wont signed the contract and demand to cancel it, it was really late, and finally agreed when their manager said that i can get it refunded.
a whooping P7,600.00 was credited that. what’s worst is I promised my brother that he can used my card to bought his cellphone.
I went back to their office in December 21, 2008, same old lines, their manager is still drawing what the presenter showed… and yet they insisted that it is non-refundable and said it was written the the papers i signed. but reading the policy and receipts, there was no statements like that. they refused to receive my letter of cancellation.
that night, i sent emails to Insurance Commission and SEC, including danvil my request to cancel my application. i even sent emails to imbestigador, xxx, and even to senators.. that’s how desperate i was to get my money back.
The next day, December 22, 2008, i submitted my complaint personally to Insurance Commission in UN Avenue Manila, but they explained that Danvil Plans is not under their responsibility, instead they can refer me to Security and Exchange Commission. they even told stories of our co-victim particularly this college student who has only P200.oo allowance everyday who was forced to sign their policy.
on that same day, i went to SEC office in Ortigas Avenue to submit my letter of complaint because my email to SEC is bouncing back to me, maybe their email service is down right now. after that, i also went to Danvil’s Office in Paseo de Roxas in Makati to submit my Letter of Cancellation. see how much trouble they gave me.
starting jan. 5, 2009, i made some follow-up in Danvil’s head office, but same case, no one is answering the phone. until jan. 8 when i spoke with their representative in head office and said that my request is forwarded to their management
last january 9, 2009, i received an email from IC, accdg. to them, they already forwarded my complaints to SEC. in the email, there are also names of my co-complainants.
just last January 14, i called their head office and follow-up, accdg to them, i can have my money back. i just have to bring all the papers back to SM North Edsa. i went to their office in January 17, 2009 with all the documents and receipts. they gave me the statement of account stating that the plan is cancelled. i demanded for a Letter that will prove that the account is canceled which i needed to send to my card company. unfortunately, they didnt issued my request and said that they will be the one that will process my papers with my card company. that same day, i fax my dispute form and the copy of statement of account issued to me to my card company in order to process it immediately.
im planning to write a complaint letter to leasing managers of SM on how they manage to protect the welfare of their customers..
Guys, if we want this to stop, lets help by spreading the words about this company. lets help other would-be victims.
Hi guys, me again. kung nabasa nyo yung comment ko dito last August, isa ako sa mga naging victim ng salot na company na Danvil. Ang masaklap lang, yung plan ko eh nung Sept 2005 pa nagstart. At sumatotal eh nakuhanan na nila ko ng 50K++. Okay na sana sa ken na ituloy yung plan ko tutal eh nakarami na ko ng hulog at halos 2 years na lang naman yung titiisin ko.
Ang kaso, last Sept 2008 nagexpire yung cc ko. Nagrequest ako ng card replacement from hsbc pero dumating yung bago kong card december na. So ayun, nung pumunta ako sa office nila para magtanong kung pano mangyayari dun sa plan ko dahil wala nga akong credit card from Sept – Dec, ang sabi nila sa akin lapsed na raw yung status ng plan ko dahil 4 months daw akong hindi nagbayad. At para daw maging active ulit yung plan kelangan ko bayaran yung 4 months na yun plus INTEREST! talagang uminit ulo ko sa kausap ko. ang dami na nga nilang nakuhang pera sa ken, tas kelangan ko pa magbayad ng interes dahil hindi sila nakanakaw ng pera sa ken sa loob ng 4 months? wtf?!
Dahil don, nagdecide akong magpacancel na ng plan at last. I know masyado ng late para gawin yun, pero yung feeling na nauuulit yung experience ko sa kanila way back 2005, bigla lang akong natauhan. Parang pag binigay ko ulit yung card ko sa kanila, parang binigyan ko na rin sila ng reason para gaguhin nila ako ng paulit ulit.
So ayun na nga, sabi ko icacancel ko na yung plan. Kinoconvince nya ko ng sobra sobra pero buo na yung loob ko. Ayoko na! So wala syang nagawa. Ang sabi nya kelangan ko raw bumalik dahil kelangan dala ko raw yung mga papeles/contract bago macancel yung plan. Nung bumalik ako next weekend with contract and everything, pinaghintay nila ko ng super tagal sa labas. Yung mga bagong dating na magogoyo nila nauna ng lahat tawagin sa loob. Ako nakaupo pa rin sa labas. Grrrr.
After 1 and a half hour, tinawag rin ako sa wakas. Dun ako pinaupo sa sulok na sulok ng room. Ang unang bungad sa ken ng mukang baklitang agent, “ay ma’am, nakalimutan ko po palang sabihin sa inyo. Na bago po kayo makapagcancel ng plan kailangan magbayad po muna kayo ng isa pang buwan. kasi unfair naman po sa inyo kung 4 months pa po yung babayaran nyo. so 1 month na lang po para maactivate po natin yung plan at macancel”. huwaaaaaaaaat?!?!?!? napasigaw na ko sa loob ng room. ang dami dami na nga nilang nakuhang pera sa ken tas magcacancel na nga ako kelangan ko pa ulit magbayad??? anak ng pating! nagwala ako sa loob kaya nilapitan ako ng manager. ganun daw talaga yung patakaran nila. kailangan daw hindi lapsed yung status ng plan bago pwedeng icancel. sumisigaw na ko sa loob kahit hindi ko ugaling makipag-away. grabe, first time ko “mag-amok” ng ganon. at ang dami pang tao sa loob (although medyo magaan sa pakiramdam na merong nagdalawang isip na kumuha ng plan dahil natakot sa ken). hindi ko lang talaga napigil yung emotions ko. hanggang kahulihulihang sandali talaga, gagawa at gagawa sila ng paraan para makalamang. grrrrrrrr talaga kasi dahil nga hindi ako sanay makipagkomprontasyon, eh ayun nagbayad na nga lang ako ng cash nung 1 month worth ng hulog sa kanila para lang macancel ko yung plan ko. haaaaayyyy. i felt so helpless na naman (pero masarap din palang manigaw paminsan minsan lalo pag galit ka).
finally, nacancel ko din yung plan ko. Php 53940 lahat ng contributions ko sa knila. I felt so bad, kasi 16181 lang daw marerefund sa ken. =( hirap kasi kitain nun eh. and to think na sangdamukal na OT kinailangan kong gawin para lang mabayaran yung credit card ko dahil napupuno na ng interest buwan buwan kakacharge ng Danvil. haaaaaaaaaaaaayyyyyy. sana magkaron ng himala at mabalik sa ken yung mga ninakaw nila. kung meron sa inyo makakatulog sa ken… please please… need your help… nagtry ako magemail ulit sa sec, kaso nagbobounce lang. pano na kaya ito… desperada na ko. help anyone?
attn mga katulad kong naloko ng Danvil. Kailangan na talaga tayong mag refund at warningan mga mabibiktima pa. Look at what happenned to Legacy di ba bankrupt na? Di ba plano ng Danvil na sa legacy ibenta ang Danvil. Dios ko po, di malayo na ganun din ang mangyari sa Danvil na basta na lang sabihin na bankrupt at basta na lang isara. S–t! kayong lahat na mga taga Danvil! Ang dami nyo niloloko na mga tao. Dapat kumilos na ang SEC ngayon pa lang kasi padami ng padami pa ang nabibiktima ng bwitreng DANVIl. Pinaparami lang nila ang perang itatakbo nila, they can just tell the plan holders that they became bankrupt because they are affected by the global crisis. SM! bat nyo pinapayagan na mag operate pa ang danvil sa mga malls nyo sa dami na ng reklamo sa bwitreng Danvil na yan.
please i need some advice po. d2 ako uk nka base pero umuwi ako last oct 2008 at naloko rin ako danvil. they have swiped my cc at 96,000php ang nadeduct nila as down payment. pwede ko pa kaya mabawi down payment ko? dont know what to do, isa pa im here in uk at diko maasikaso masyado coz im working..please nid some advice
the same day pinapa cancel ko ung plan but then they told me n non refundable. nanlumo ako. i went back after 1 wk sa danvil sabi nila i could start paying after 2years after na maka deposit ako. anu pwede ko gawin to get my money back? please help me. di ko lam ang step by step ng gagawin ko.
bob.. guys.. please help
na biktima rin ako nyan
nung sept 17 2008 pa, nakakuha cla sakin ng 6k. sa atm ko binawas. i didn’t want to avail of their plans pero nakakapressure talaga cla. after 1 month ndi ko cla binayaran ng monthly payment.. ever. nasa akin pa rin yung mga docs. is there any way na kunin ko pa sa kanila yung money ko kahit atm ang ginamit sakin??? please help… thx.
Hello!
Thanks Bob sa pagpost mo nito, I was on the brink of getting my money snatched by these people! Buti na lang nakatakas ako dun sa room na yun! Phew! Bakit ba pinapayagan ng SM tong mga manlolokong ito? Hay…
Guys, I suggest you read the other posts, you might learn from their experiences.
Sana marami pang makakita ng post mo na to para makaiwas sila sa mga buwisit na to. More power!
tsk tsk…
i visited Starmall in Mandaluyong earlier this day – January 23, 2009, and guess what i saw – a Danvil Plans, Inc. booth
pati ba nman sa starmall maghahasik na cila ng lagim.. hay…
Thanks Flory!
@ Ryan:
Siguro inisip nila na mas marami silang maloloko dun. Tsk, desperate greed needs desperate deeds. Tsk3x.
@ Yochi, Ciara and Jammy
You may review the previous replies para makakuha po kayo ng idea kung paano, kapag may iba pa po kayong tanong don’t hesitate to drop by.
Jammy,
I’m also an OFW here in Dubai and a planholder of Danvil.. can you please update me kung anong status ng policy mo and kung nakapagfile k n b ng cancellation letter.. i’m also planning to cancel the policy but i don’t know how to start.. u can reach me thru my email jhenie_1013@yahoo.com.
Thanks for the information that u can share…
by the way, THANKS to all who posted the instructions on how we can cancel and the insurance policy… its really a big help.
im just waiting for 30-45 days before the initial deposit charge reflect to my credit card
Thanks Bob for this blog…
Can anyone send me the samples of complaint letter and cancellation request submitted to IC, SEC, and Danvil?? please…. please…
And2 po ako sa dubai ngayon and i don’t know how i can cancel the policy… need ur help badly guys…
Thanks a lot…
Muntik na ako mabiktima ng scam na ito last January 21. I was walking at the Carpark area of SM North Edsa when this woman came up to me. I had my headset on so I didn’t really hear what she said. I told her that I am not interested in any credit card deals but then she told me that she isn’t offering such but rather was only asking if I have a credit card. When I said yes she congratulated me and then pulled me over to their booth and then told me that I had a chance to win a Honda City. They introduced themselves as “The Philippine Prudential Life”, as far as I remember. I had the same experience as you guys only that I did not swipe my card. The person that was talking to me told me that they just needed to “check” if the bank would allow me by swiping my credit card. I know all too well that the moment I swipe my card it would be considered a transaction and would reflect in my billing statement. So I told them that I really have no money to pay their premiums no matter how low it was. I even told them that my family is currently facing major financial crisis so that I could convince them that I have no means to pay. I noticed that the person I am talking too was no longer smiling and was even trying to see if I am lying by asking questions like why is it that I have expensive looking earphones. In the end, I just apologized to them that I can’t afford their deal and they let me off. I am not sure if I convinced them with my story but I am sure they are pissed off that I wasted their two hours time and came of with nothing. But then again, I am thinking of why they let me off so easily. I am quite paranoid that they might use my personal information or even that they were able to get my card no and then use it since I showed it to them for even less than a minute. I have been calling the BDO for 3 days now to check if there are floating transactions that I am not aware of.
I just learned that the company was Danvil Plans Inc. when they gave me this paper which they say would be my raffle ticket to car if nobody wins the game for it which would be drawn on December 2009. I researched on the net about the company and saw this blog post. Thanks guys.
TO CIARA,
Hi Ciara! Pareho pala tayo ng initial payment na swipe sa card. me, last May 2008 ako naloko. Nandito rin ako Dubai nagpapakahirap mag OT sa hospital para lang mabayaran mga nahuthot ng bwisit na Danvil! After ko mabasa itong blog na to(thanks a lot BOB) I immediately closed my CC para di na madagdagan pa mahuhuthot ng danvil.To date more than 200thou na nasipsip nila sa akin. Medyo nakakabaliw na isipin kung paano ko mababawi ang pera ko. Pls advice me too kung paano ko ma refund ang pera ko. To anyone who can read this, pls advice me kung paano ko marefund pinaghirapan ko. Thanks! my email:jammy_36@yahoo.com.
Can someone please help me cancel my policy and try to get as much refund as possible? I joined in 2006 and really want to cancel it. I’m from Australia. Can someone please help me with the letters to SEC. If someone can please advice me, my email is filo_guy@hotmail.com
Bob can i please get your email address. I really need your help. Thanks.
Hi Bob pede mo ba ako bigyan ng sample ng cancellation letter at letter sa SEC para makapag pasa din ako. Almost 3 years na nga pala kami nghuhulog s Danvil at cc ng wife ko ang gamit namin. hope you can help us.thanks