What to Do After You Get Scammed By Manila Bankers Life Insurance
Without a doubt, my post on the shady practices of Manila Bankers Life Insurance is the most popular post on my blog.
I'm still amazed that the comments keep coming in and how Manila Bankers continues to prey on innocent people who hand over their credit cards in good faith merely for verification purposes, but would later find themselves saddled with an exorbitant insurance premium.
Questions of available remedies for the duped and unwilling life insurance holders appear with scary regularity and the most popular suggestion was to submit cancellation letter with Manila Bankers within the 15/30 day cooling off period. It was also suggested that the Insurance Commission be given a copy of the cancellation letter and/or to submit a separate letter complaint to the Insurance Commission.
As it turns out, the Insurance Commission does listen and act on complaints! I don't know why I'm surprised to hear this though, maybe I've become so used to hearing about government apathy and incompetence that I've forgotten that government is also filled with silent workers that toil without glory or accolade in ensuring that the system runs smoothly while protecting the interests of its citizens. It just so happens that bad news is broadcasted on loudspeaker and is so much sexier to report on, thus, the resulting negative image.
Anyhoo, this article about the show cause order issued to Caritas Health Shield may sound eerily familiar:
The magic number seems to be 117 because generally the Insurance Commission would endorse the complaints received to the Association of Health Maintenance Organizations of the Philippines, Inc. (AHMOPI), as a form of self-policing or cleaning their own ranks. However, the Insurance Commission was impelled to take action after it received 117 similar complaints on the fraudulent swiping and charging of credit and debit cards. Hence the directive for Caritas Health Shield to answer the allegations of fraud and misrepresentation against it,
The complainants claimed they had no intention of purchasing HMO products from Caritas Health Shield, and requested cancellation of their contracts and the return of their premiums that were charged on their credit and debit cards.“In the show cause order issued by the IC, Caritas Health Shield was ordered to cease and desist from engaging in the activity complained of pending the conduct of an investigation,” the IC stated.
For those who have been similarly duped by Manila Bankers, the trick seems to be to work together and submit complaints en masse to make a statement that the Insurance Commission cannot ignore. I don't think that number of complaints has to reach 117 too, but something equally numerous should do the trick.
Nonetheless, it's probably not enough to submit a letter complaint, because the Insurance Commission has a specific format and process for the filing of a formal complaint. So if you really want to put an end to these deceptive practices, better haul your ass over to United Nations and lodge a formal complaint against Manila Bankers.
As always, the best thing to do is to ignore their sales pitch and not to hand over your credit or debit card. But if the damage has already been done, you can still file a cancellation letter within 15/30 days after signing the insurance contract and be sure to CC the Insurance Commission to the letter. However, for maximum results, although it will take some effort on your part, lodge a formal complaint with the Insurance Commission as well.
Good luck everyone!
Update as of July 11, 2018:
Here are Manila Bankers' contact details:
Email: support@mblife.com.ph
Hotlines: +63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Main Office:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
It's best to send Manila Bankers an actual letter cancellation via registered mail or courier with the Insurance Commission copied in to the letter (meaning a copy of the letter is also sent to them). Send the copy for the Insurance Commission at:
IC Manila
1071 United Nations Ave.,
Ermita, Manila
Good luck everyone!
Update as of November 1, 2018: Tips from Bobet of Truly Rich Makers. Thanks for this, sir!
Lahat ng insurance may “free look period” na 30 days. Kapag hindi ka satisfied sa insurance na nakuha mo simply cancel:
1. kung may auto-debit o auto-charge ka na pinirmahan, ipa-cancel mo agad sa bangko o sa credit card para wala nang subsequent payments.
2. gumawa agad ng letter para irequest ang cancellation at request for refund. Siguraduhing mai-kwento ng buo, ang dahilan kaya nag-ca-cancel. Kung palagay ninyo na na-i-scam ng ahente, isulat kung sino ang ahente at lahat ng nakausap na ahente, o manager, o kung-sinuman.
3. tumawag agd sa support line ng Manila Bankers Life, para mag-tanong kung paano mag-cancel at ano ang documents na kailangan asikasuhin.
Hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
4. Ipadala sa email ang letter of cancellation.
Email: support@mblife.com.ph
5. Ilagay na addressee sa letter:
— Underwriting Department
Manila Bankers Life
cc:
The Commissioner
Insurance Commission
6. Ipadala via registered mail o courier/messenger ang inyong letter. Ang courier/messenger service ay mura lang,via LBC o FASTTrack or Xend, etc.
Underwriting Department
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
At
The Commissioner
Insurance Commission Manila
1071 United Nations Ave.,
Ermita, Manila
7. I-follow up ang inyong case, magpunta sa MB Life sa Ayala Ave, o tumawag sa hotline, o mag-email sa support. Kung may ibigay na ticker number o reference number tandaan ito, at banggitin sa sunod na follow up.
Bilisan lang natin ang pagasikaso, kasi makalipas ng 30 days, baka hindi na i-entertain ang inyong complaint. Kapag within 30 days, wala pong maaring gawin ang MB Life kundi icancel ang policy at ibalik ang any payment.
Tandaan po natin na ang MB Life company at MB Life agent ay dalawang separate na entity. Maaring may masabi ang agent na hindi wasto o hindi accurate.
Ang maski anong insurance company ay ayaw na magkaroon ng cancellation, kaya ang mga hindi kanais-nais na practices ng ilang mga ahente ay hindi approved ng life insurance company.
Ang bawat cancellation ay napakaraming paper work na walang katumbas na kita sa insurance company.
Ang mabilis na pag-cancel lang ang magandang paraan para maparusahan ang mga ahenteng hindi maganda ang gawa. Mawawalan sila ng komisyon, mapapagalitan. At kung may sapat na dami ng valid complaints, matatanggal sa kumpanya.
Kung sila ay magpatuloy, ibig sabihin, hindi ipinaglaban ng mga biktima ang kanilang karapatan.
Kaya mag-reklamo po, kung palagay ninyo na-i-scam kayo.
Comments
I'm also annoyed at the ladies who hang out along Kalaw St. in Manila and pounce on seamen or guys who look like they could be seamen. I think they push personal loans or medical exams for seamen. One time, this lady was really pestering a young guy who was on the phone. She was grabbing his sleeve and was in his face saying "May kausap ka ba talaga ha?". Grrrr..... I so wanted to punch her.
I did a Google search just to check that they were a legit company. And found their website and the address of the branch office I was in. I forgot to add "scam" to the search term. Ugh. I just feel so stupid.
Don't feel bad. The Manila Bankers people are really trained to push and push their product hard. They probably smelled your moment of weakness and pounced on it.
Please get your facts straight. Don't spread fake news :)
Anyway, after I told her it would probably be better if I'd be the one to answer her questions since my mother is over 80 years of age already, she immediately gave me the "good news" that their rewards and freebies were transferable to me, and that as far as that vacation tour prize is concerned, I could even get more raffle entries if I present them a card or something from any preferred bank partner of theirs. At this point of our conversation the audio was a bit inaudible so I wasn't so sure if I heard her right but i just assumed she was talking about credit and debit cards. In any case, she assured me all these were free, sensing my apprehension about the whole deal perhaps, and added that I only need to show up at their office and present two valid ids for verification.
Now, though inside I was confident that they were never ever fooling me, I think i can understand from our conversation how and why anyone would get duped by their shady transactions. Sadly, they really are good at what they do, almost as if they have some hidden hypnotic powers drawing you helplessly in. They could even sound friendly and engaging, though from my experience I got a little annoyed when she started asking all these personal questions. They're really good that even now I still look back at that call and try to assure myself that I didn't fall for them and I never gave away any compromising personal details. At least I'm not stepping into their office anytime soon and that's the real good news.
Pwede kang sumulat sa MB para ipacancel yung policy, tapos icopy furnish mo ang Insurance Commission.
Pwede ka ring sumulat sa Insurance Commission at ireklamo ang Manila Bankers, at icopy furnish mo ang Manila Bankers.
Tumawag ka rin sa credit card provider mo at ipablock mo ang charges ng Manila Bankers kasi under complaint na yung charges. Malamang papagawin ka din ng email request ng credit card provider mo so iattach mo don yung letter of cancellation/ letter complaint mo.
Tapos kung pumayag ang MB na icancel ang policy o inutusan sila ng Insurance Commission na icancel ang policy, ipareverse mo ang charges sa credit card mo.
Kung hindi pwedeng ireverse ang credit card charges, subukan mong mag request ng loan restructure from your credit card company para hindi masyadong lumobo ang interest and penalties.
Good luck!
Mas mabuti ngang i-close mo na lang yung savings account mo na pinagkukunan ng premium payments. Kung wala ng nakukuha sa savings account mo, automatic nang ma-terminate ang insurance policy mo.
I'm sorry but I don't provide formal legal assistance to Manila Bankers victims. Please refer to the past comments for possible remedies if you feel like you have been victimized by Manila Bankers Life Insurance.
Maybe you can also ask Mr Juan why their company practice is to make people believe that their credit/debit cards will only be swiped for verification purposes, but then the premium will already be charged na pala. Worse, the mbl agents will insist that there's no way to reverse the charges. It's plain and simple swindling.
Pwede mo pang ipacancel yan kasi wala pang 30 days nang nabentahan is ng policy.
Gumawa ka ng letter request for cancellation na na naka copy furnish any Insurance Commission. Dalhin mo sa Manila Bankers office o stall kung saan ka nabentahan at ipareceive sa kanila. Siguraduhin mong may received copy ka ng letter cancellation at tanungin mo kung kelan macancel ang insurance at maibabalik ang pera mo.
Para extra protection, ipa block mo din yung charges sa credit card mo.
The cooling off period seems to be an industry practice, but I'm not sure if there's an actual law in place mandating it.
It's best to check the policy itself if it provides for a cooling off period.
Naguyo din po ako ng MBLife na, nakuha ko na po amg primium nila. Then wala pang 1 month tinawagan ko sila. Sabi hnd ko pa daw pwedi icancel, after 1year pa daw. They said after 6 months pa na man daw ako magbibigay ulit. So i just let go. But now, gusto ko na po tlgang ihinto to. Hindi nman po naka automatic sa debit card ko ang susunod na bayad. Pwd ko ho bang hayaan n lng na mag lapse eto? Mag eexprired rin po ba to kapag hnd ko nabayaran?
I hate myself for falling on this, like for real.
And also, thanks for this thread. I felt better just by talking about this to you guys.
Pwedeng-pwede mong ipa-lapse na lang ang insurance mo kung ayaw mo talaga. Mabuti nga hindi naka automatic charge sa debit card mo yung premium charges so pwede mo siyang ipatigil.
Hindi totoo na obligado kang magbayad ng isang taon. Kung ayaw mo na talaga, wag mo lang bayaran.
Thank you po ulit ms. JILLSABS
Siguraduhin mo lang na hindi talaga automatic yung charge ng premium payment sa debit card mo, para wala nang abala.
Sa pagkakaalam ko, pwede ma-debit ang ATM card basta may napirmahan kang approval.
Pero, kung sinabihan ka na kelangan mo magdeposit sa BDO ng premium payment at magpadala ng kopya ng resibo, malamang hindi naka auto-debit yung ATM card mo.
Para sigurado, tumawag ka sa BDO o pumunta ka sa BDO branch na malapit sa iyo tapos tanungin mo kung may naka-enroll na auto-debit na premium from MB Life. Kung meron, ipa-cancel mo. Kung wala, ok na yon. Wag ka nang magdeposit ng pambayad ng premium. Kusa na lang na magla-lapse yung insurance policy mo because of non-payment.
Kung hindi raw pwede i-cancel, pwede mo ring ipasara ang ATM account mo at mag-apply na lang ng bagong account. Hassle ito, pero baka ito lang ang pinakamaiging gawin para hindi tuloy2x na pumasok ang auto-debit ng MB Life.
Good luck!
Mas mabuti kung gumawa ka ng sulat ng pagkansela ng insurance policy na ipapadala through registered mail at naka copy furnish ang Insurance Commission.
Mas may dating kasi ang registered mail kesa sa email. Kelangan itong pansinin kasi pwedeng gawing ebidensiya sakaling kasuhan mo ang MB Life sa korte.
You're welcome! And don't beat yourself up over falling for their dirty tactics, they're trained professionals who are used to manipulating and deceiving people.
Mas mabuti kung gumawa ka ng sulat ng pagkansela ng insurance policy na ipapadala through registered mail at naka copy furnish ang Insurance Commission.
Mas may dating kasi ang registered mail kesa sa email. Kelangan itong pansinin kasi pwedeng gawing ebidensiya sakaling kasuhan mo ang MB Life sa korte.
Padalhan mo rin ng kopya ng sulat yung Insurance Commission.
Yun yung ibig sabihin ng: "cc Insurance Commission" na dapat nakasulat sa ibaba ng letter cancellation mo
Yup, makikita ng BDO lahat ng mga related sa account mo, pati na ang mga naka-sign up na auto debit.
Kung naka auto debit man ang premium payment ng MB Life insurance, dapat pwede mo yang ipa-cancel kasi account mo yon at ikaw ang may pasya kung paano patatakbuhin ang account mo.
Gusto ko na pong ihinto yung paghulog dito, mababawi ko pa po kaya yung naihulog ko?
Pwede mong ihinto ang pagbayad ng insurance premium anytime, mapa-paso lang ito. Kung auto-debit yan sa credit card or ATM card mo, tumawag ka lang sa bangko mo at ipatigil ang autodebit.
Pero hindi mo na makukuha yung binayad mo sa insurance coverage mo for the last year, kasi nagamit na yon (i.e. meron kang insurance protection for the last 12 months).
There's no specific format for the cancellation letter. As long as you indicate the details (i.e. your name, plan number, when you got it etc.) and what you want to happen (i.e. cancel the policy within the cool-off period), then that should be ok. Also, be sure to copy furnish the Insurance Commission to your letter.
Good luck!
Hindi na maibabalik yung perang naibayad mo sa Manila Bankers Life kasi lagpas na yung cooling off period. Pero kung naka automatic debit sa ATM card mo yung mga premium payment, pwede kang tumawag sa bangko mo at yung mga future charges for premium payment na lang ang ipacancel mo. Or kung hindi naman naka automatic debit yung premium payment, wag mo lang itong bayaran at mapapaso na lang ang insurance policy mo.
Hindi mo na makukuha yung binayad mo sa Manila Bankers insurance policy kasi nagkaroon ka ng insurance protection noong panahong active ang insurance policy mo. Tapos na rin ang cooling-off period (15 days or 30 days) kung saan pwede mong itigil ang policy mo.
Parang pagbili lang yan ng fire extinguisher. Binili mo ito para sakaling magkasunog, mapapatay mo ang sunog. Kung hindi nagkasunog, hindi mo rin pwedeng ibalik ang fire extinguisher kasi hindi mo siya nagamit.
Ganon din ang life insurance. Sa panahong active ang policy mo, insured ka ng insurance company sakaling may mangyari sa yo. Kaya kung walang nangyari sa iyo, hindi mo pwedeng hingiin ang naibayad mo.
Pero kung ayaw mo na talagang ipagpatuloy ang policy mo, wag mo na lang itong bayaran at automatic na magkakawalang bisa ito.
Kung pasok pa sa cooling-off period ang cancellation request mo, dapat ibalik ang ibinayad mo at i-cancel ang insurance policy.
Hindi ka na pwedeng magpa-cancel within the cooling-off period kasi 15 or 30 days lang ito sa pagbili mo ng policy. Pero, sinabihan ka kasi na hindi pwedeng icancel kahit 2 araw pa lang ang nakalipas, so subukan mo pa ring sumulat ng cancellation letter tapos ilagay mo doon kung sinong agent ang nagsabi sa iyo nun at kung saang branch. I-copy furnish mo ang Insurance Commission sa letter cancellation mo.
Kung naka automatic debit sa credit card o ATM mo yung premium payment, ipa-cancel mo ito sa banko mo. Tawagan mo lang ang banko mo o pumunta ka dito, atsaka ipacancel mo. Hindi mo mababawi ang naibayad mo na, pero wala ka nang babayaran pang future premium payments.
Nakapagpurchase po ako sa MB Life Insurance last February 3, 2018 worth 25, 200 nung magbabayad na po ako via debit card naghesitate na po ako, pero sabi nila kailangan ko na po daw bayadan. I asked the agent kung pwede kong irefund nalang. pwede po daw. but bumalik po ako ngayong monday, Feb 5, 2018 sabi po sa wednesday po daw ako bumalik kasi may cut off po daw.
Im worried na maautomatic magcharge sila sa debit account ko.
What should I do? Nagsend na din po ako sa email nila ng Cancellation Letter.
Debit card o ATM card ba yung na-swipe? Kung oo, hindi mo basta2x mapapa-cancel yan sa bangko kasi nailipat na ang pera sa account ng MBLI. Kelangan mo gumawa ng letter of cancellation na naka-address sa MBLI at naka carbon copy ang Insurance Commission.
Mag back read ka sa mga comments dito at hanapin mo yung comment ni Bhagz, napa cancel niya yung policy niya nung sumulat siya.
If you can manage to empty out your debit card, I suggest you do so. This is so that there will be no more MBLI debits done while they're processing your refund. From what I've been reading, MBLI are outright scammers and their word doesn't mean anything. So even if they promise that your card will only be swiped for verification, or your card won't be charged while your refund request is being processed, don't believe them.
Kung ang sinabi sa iyo ay pang verification lang talaga yung pag-swipe ng credit card mo, pwede mong ipa-cancel ang charge sa credit card provider mo. Tawagan mo ang bangko na nag-issue ng credit card at ipaliwanag mo ang panglolokong nangyari. Gagawa ngayon ng investigation ang bangko at mahohold ang charge. Habang nagaganap ito, gumawa ka ng letter cancellation sa MBLI na naka carbon copy ang Insurance Commission. Mag backread ka sa mga comments dito kasi madami nang nag comment kung ano ang ginawa nila para ma cancel ang policy at maibalik ang pera nila.
Hindi na pwede ma-cancel yung policy mo at hindi na rin mababawi ang premium payments. Pero hindi mo naman kelangan magbayad para magtuloy-tuloy ang insurance coverage. Pag tapos na ang isang taon, wag mong bayaran ang premium payments at automatically lang mag lapse ang policy.
Kung naka-automatic debit ang premium payments sa credit card o debit card mo, tumawag ka lang sa banko mo at ipatigil ang automatic debit.
Finally nakuha ko na premium refund ko after months of struggle..nung payday ko napansin ko na may nadagdag..and kinumpute ko at sakto sa naibayad..ko...di ko pa nakonfirm sa bank..but for sure totally cancel na..Thanks maam for azsistance.
Bhagz.
We appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
We appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
We appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
We appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
We appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
We appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
We appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
We appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
We appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
We appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
We appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
We appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
We appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
We appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
We appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
We appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
We appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
We appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Let's all be careful na lang!
Ask ko lang po kung pano masusulusyunan yung insurance ng MB life dahil na scammed din po ako 1yr na po sakin then wala na po yung atm ko dahil pinaclosed ko na po siya at wala po akong trabaho! Pano ko po siya macacancel? Pano po kapag hindi ko siya nabayaran ngayong taon ano pong mangyayari? plss help naman po
Maganda yung sagot ni Bhagz sa naging experience niya sa pagkansela ng insurance policy niya galing sa MB Life.
Ayon kay Bhagz, gumawa siya ng cancellation letter sa MB Life na naka-copy furnish ang Insurance Commission tapos ay dinala niya ang sulat sa head office ng MB Life sa Makati. Binigay niya ang sulat habang nasa cooling off period pa ang policy niya, o 15 or 30 days matapos siya maloko ng mga MB Life agents sa isang mall.
Matapos tanggapin ang sulat niya, finollow-up ni Bhagz nang madalas ang reimbursement hanggang naideposit na nga ito sa kanyang bank account.
Para mas maliwanagan ka, pakihanap ng comment ni Bhagz sa mga MB Life posts sa blog ko.
Kung hindi mo mababayaran ang policy, automatic lang itong mapapawalang-bisa. Mawawalan ka na ng insurance coverage at hindi ka na rin sisingilin ng MB Life.
From the comments re Manila Bankers, I gathered that the main branch in Ayala is efficient in processing valid claims. The problem lies with the agents who mislead and even flat out lie to their victims re the payment scheme/ nature of product purchased/ possibility of cancelling the contract etc. So I would think that your premium payout from the main branch should go without a hitch. Good luck!
Good Afternoon. We appreciate your valuable feedback as it helps us identify the areas we can improve.
We currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Good Afternoon. We appreciate your valuable feedback as it helps us identify the areas we can improve.
We currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Good Afternoon. We appreciate your valuable feedback as it helps us identify the areas we can improve.
We currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Oo, pag pasok pa sa 15/30 day cooling off period ang cancellation request mo, automatic ang pag approve nyan.
May post na ako kung paano ang proseso ng cancellation so pakihanap at pakibasa na lang.
Good luck!
Ako din kahapon lang nkuhaan nila ako ng 13,240k pumunta ako sa branch nila kung saan na transact ung ginawa nila ang sbe sakin wla daw refund un..pupunta ako sa main office nila sa monday bka gusto mo sumabay
Good day!
Ask ko lang natuloy ka magpa cancel ng life saver mo? Same as here 13,240 do you get your money back? Thanks!
We appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
We appreciate all your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
I-confirm mo muna sa bangko mo kung may automatic debit na naka-enroll sa debit card mo. Kung meron, ipa-cancel mo yon. Kung hindi pwede, pwede mo ring ipasarado na lang ang debit card mo at kumuha ng bago.
Kung hindi ka magbabayad ng premium mo, automatically cancelled na yung insurance policy.
Kagabi po nabiktima din ako ng MBLife. Usually po talaga, tinatanggihan ko yung mga offers na katulad ng binigay sa akin. Pero ewan ko po ba kung paano at bakit ako napapapayag. Pagkauwi ko po ng bahay, I realized na I don't want the insurance that was given to me so I researched how to cancel kasi sabi nung nag assist sa akin na bawal na daw icancel, then yun po, thankfully I came across your post.
And yun nga po, after reading your post and backreading the comments, agad agad po akong nag send ng email sa MBLife and nag cc din po ako Insurance Commission. Balak ko rin po magsend ng registered mail sa insurance copy at icopy na rin ang IC bukas.
Ngayon po, tinawagan ko din ang bank ko if pwede macancel yung Auto Debit sa account ko. Then ang sinabi po sa akin may 2 options ako. Yung first is idiscuss ko daw muna sa Insurance yung cancellation and then second po, ipablock ko na lng daw yung card ko and then request for a replacement.
And then yun, pinili ko yung second option and pinablock ko yung account ko just to be sure. But tanong ko lng, if ever ma approve yung cancellation ko, pwede pa rin po ba irefund sa akin yung pera kahit iba na yung bank account ko? Thanks.
We appreciate all your valuable feedback as it helps us identify the areas we can improve.
For the record, Manila Bankers Life Insurance Corporation is a 51 year old life insurance company duly licensed by the Insurance Commission with a capitalization of Php550 million pesos.
The SMS messages or telephone calls you received regarding free rewards and privileges are made through our telemarketers. Telemarketing is a legitimate method of promoting and selling products, including life insurance policies
The rewards offered by our telemarketers are in fact ready and available should the recipient of the SMS message or telephone call decides to get them from our telemarketers. You are not under any obligation to purchase any life insurance product. In fact, before any insurance product is offered to you, you will be invited to attend a product orientation to apprise you of the type of insurance product that would address your needs. In case you decide to purchase a life insurance product, you will be required to sign several documents indicating that you have been fully informed of the features of the life insurance product you want to purchase, the insurance premium you need to pay and the benefits you or your beneficiaries will receive. It is only after you have made an educated choice on the life insurance product you want to buy that you will be required to pay through your debit or credit card.
Manila Bankers Life Insurance Corporation is a legitimate insurance company. It is not a scam.
Any person who claims that Manila Bankers Life Insurance Corporation is a scam should have the necessary evidence to back up such statement. Otherwise, we shall take all necessary steps available to us under the law to protect our company's good name.
Thank you.
Just like the others...Me too..I almost fell with mb life tactics haha! ryan is Also the name of the recruiter he told me to help him by accepting his offer to reach his quota... damn! I was so stupid..lols! he got me! well i juz wanna help him so i did ...
So he brought me to their designated office at the mall checked my id and card balance and attended by a lady then,
I let her to discuss their product and services since they told me that they would just wannA let me know about mb life ins. So i Cud share it with my friends.. At first, asked some personal info but it was funny that while discussing their services the next lines was about if i ever had a bf or how beautiful my eyebrows was and so on. ... hahaha! It was fun to realize that was the way on how she wanted me by making some praises
on my looks asking personal info in the middle of discussion of their services offered ...
That 'promised' 45 minutes became almost 1hour so i told her i had to go...suddenly, The next thing i knew i was filling up my form and when i almost done, another one came... Well ..unfortunately Filling up form is not my 'forte' it makes me get annoy easily.. so thats the time i refused to continue and told her i did not want it anymore hehe
I almost hipnotized but thanks to their numerous forms i got out of it!
the lady kept yelling and saying 'inexplained ko sayo before blah blah!.. But sorry i wasted my time so much .
.
Funny d daw sapilitan pero bawal nko tumanggi kasi naka filled up nko sa form with number on it . So???haha..
at that time my friend called me so ihad a chance to leave .. Hehe
Thank God i managed to get out of that place...
Never na never na tlga mauulit huhu
Nope, dapat walang mababawas sa ATM card mo
. Ka c kanina naka pag fill up aq.. mabuti nlg 1680 lg ag na kuha sa akin? .. kng hindi mababayaran sa susunod na taon.. maaari ka bang ma kulong?
Tanong ko lng po.. ano po ba pwedeng gawing para ma cansela ung mga na applyan q sa mb.life? .. hindi ka ba makukulong pg d ka nka bayad? ..
Hindi mo na mababawi yung binayad mo kasi within 15 days from signing lang yung cooling off period na pwede mo pang ipacancel ang policy at maibabalik ang bayad.
Atsaka, insured ka rin for the past 3 years so hindi nasayang ang binayad mo.
Pero kung gusto mo talagang itigil na ang policy mo at ayaw mo nang ma-insure, wag mo lang bayaran ang mga susunod na premium at automatic lang na mag lapse o ma-cancel ang policy mo.
Please read the post. Nakasulat diyan yung proseso kung paano ipapakansel ang insurance policy.
Kapag hindi ka satisfied sa insurance na nakuha mo simply cancel:
1. kung may auto-debit o auto-charge ka na pinirmahan, ipa-cancel mo agad sa bangko o sa credit card para wala nang subsequent payments.
2. gumawa agad ng letter para irequest ang cancellation at request for refund. Siguraduhing mai-kwento ng buo, ang dahilan kaya nag-ca-cancel. Kung palagay ninyo na na-i-scam ng ahente, isulat kung sino ang ahente at lahat ng nakausap na ahente, o manager, o kung-sinuman.
3. tumawag agd sa support line ng Manila Bankers Life, para mag-tanong kung paano mag-cancel at ano ang documents na kailangan asikasuhin.
Hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
4. Ipadala sa email ang letter of cancellation.
Email: support@mblife.com.ph
5. Ilagay na addressee sa letter:
-- Underwriting Deparment
Manila Bankers Life
cc:
The Commissioner
Insurance Commission
6. Ipadala via registered mail o courier/messenger ang inyong letter.
Ang courier/messenger service ay mura lang,via LBC o FASTTrack or Xend, etc.
Underwriting Department
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
At
The Commissioner
Insurance Commission Manila
1071 United Nations Ave.,
Ermita, Manila
7. Ifollow up ang inyong case, magpunta sa MB Life sa Ayala Ave, o tumawag sa hotline, o mag-email sa support. Kung may ibigay na ticker number o reference number tandaan ito, at banggitin sa sunod na follow up.
Biliisan lang natin ang pagasikaso, kasi makalipas ng 30 days, baka hindi na i-entertain ang inyong complaint. Kapag within 30 days, wala pong maaring gawin ang MB Life kundi icancel ang policy at ibalik ang any payment.
Tandaan po natin na ang MB Life company at MB Life agent ay dalawang separate na entity. Maaring may masabi ang agent na hindi wasto o hindi accurate.
Ang maski anong insurance company ay ayaw na magkaroon ng cancellation, kaya ang mga hindi kanais-nais na practices ng ilang mga ahente ay hindi approved ng life insurance company.
Ang bawat cancellation ay napakaraming paper work na walang katumbas na kita sa insurance company.
Ang mabilis na pag-cancel lang ang magandang paraan para maparusahan ang mga ahenteng hindi maganda ang gawa. Mawawalan sila ng komisyon, mapapagalitan. At kung may sapat na dami ng valid complaints, matatanggal sa kumpanya.
Kung sila ay magpatuloy, ibig sabihin, hindi ipinaglaban ng mga biktima ang kanilang karapatan.
Kaya mag-reklamo po, kung palagay ninyo na-i-scam kayo.
Yes, pasok din sa automatic termination within the cooling period ang health insurance plans.
Usually yung policy fee ay minimal fee para sa pag process ng insurance application. Pwede ring pangbayad sa commission ng ahenteng nakabenta ng policy. I-confirm mo kung ano ang sakop ng policy fee
6k po yung naswipe nila sa debit crd ko. To follow pa po yung valid id ko kse wla akong naibigay sa knila, if mag sesend po ako via email ng cancellation eh maapprobahan po kaya,? Kase wala pa nga po akong documents sa kanila. For process palang pag nagbigay ako ng id. Help me po please.
6k po yung naswipe nila sa debit crd ko. To follow pa po yung valid id ko kse wla akong naibigay sa knila, if mag sesend po ako via email ng cancellation eh maapprobahan po kaya,? Kase wala pa nga po akong documents sa kanila. For process palang pag nagbigay ako ng id. Help me po please.
Gumawa ka na kaagad ng letter cancellation na naka copy furnish ang Insurance Commission. Basahin mo yung instructions and tips sa mga blog post dito Kung paano macancel at mabawi ang pera mo.
Either is ok, ang importante is naka-CC yung Insurance Commission sa letter cancellation.
Ganyan din nangyari sakin sa AliMall Cubao, sabi sakin wala daw sila iooffer, ippromote lang daw kung ano at sino yung Manila Bankers, tapos papasagutan ng client survey, then next thing i knew is pinapafill up na ako ng policy at pinapapirma na ako ng kung ano ano at tuloy tuloy akong pinaswipe ng credit card ko worth 21k annual payment daw yun.
Question,
Paano ko po mapapacancel yung policy ko, need ko po ba magpunta main office? Pinagawa na po ako ng cancellation letter ng ahente pero di ko po sure kung ipapasa nya. since sabi nya 40 days daw po bago maconfirm ang cancellation. ilang days po ba need para macancel? and ano po documents dadalhin pag nagpunta sa main office. malayo po kasi makati samin. salamat po
pwede po ba i pa cancel yun? or ma rrefund pa ba pera ko?
As long as wala kang pinirmahan at hindi mo ibinigay ang ATM o credit card details mo, walang habol sa iyo ang Manila Bankers at wala kayong kontrata.
nakakastress na feeling ko sobrang bobo ko but then again i was at my weakest nakita nila siguro na pagod na ko that day so hindi gumagana maxado braincells ko, fast forward to today, i just got the cheque refund money from mblife san pablo thank god natapos na rin nakakatrauma xa promise so.. first i followed the steps from here and insurance commission helped a lot, i also send screenshots convo of mblife and me to insurance commision as well, kasi madami pang sinasabi mblife kesyo pumunta sa makati for meeting meeting, sabi ko sakanila bakit may meeting meeting pa eh d naman nakasulat sa process flow nila yun, may process flow sila sa mismong website nila for freelook period,tsaka sobrang hassle din gawa nang probinsya pa ko. so anyway sinumbong ko rin yun sa insurance commision with their processflow screenshot from their own website then the way they handle my freelook period refund request, they kept insisting for a meeting and not following their own process flow for freelook refund, feeling ko papahirapan pa nila ako. buti na lang si insurance commision inasikaso agad sinulatan nila ang mblife demanding them to refund my money asap, ang alam ko meron din ilan pang mga tao na nag apply for refund. it took 2 months for me to get my money back kasi xempre dec and january madami holiday na wala work. tapos the time it took for the physical letters to arrive at both designated places insurance commission at mblife company building.ayun. pinush ko lang talaga karapatan ko about freelook period, highlight ko mga mismatched information dun sa mismong papel nang insurance na binigay sakin, basta dami mga nakita ko na medyo kaduda duda dun sa policy.. anyways... never again, lesson learned.
Pede po b thru email and magsend din ako sa lbc ng letter for cancellation po..or need ko po tlga pumunta sa mismong branch nila.. flight ko n rin po kasi..
PS. binayaran ko po ng 1yr agad yu g sakin thru swiping my atm card.
The same thing happened to me, just last night.
Naglalakad kame sa lower ground ng SM north looking for a stuffed toy na ireregalo sakapatid ko apparently may agent na lumapit saken saying na Anniversary ng MBLife and that nanalo ako ng mga free gifts nila which can be claimed sa office nila, sinabihan pa ako na 30 minutes lang ang needed para introduce yung product, apparently it turned out to be almost 2 hours,
Pinag fill up nila ako para icheck daw ang eligibility pero it turned out to be the application form, I tried to say no pero ayaw talaga nila akong pakawalan,
I was so dumb na napa oo nalang ako at na charge nila ung credit card ko ng 14540 para makauwi na...
I already submitted a request for cancellation through Email,
I even spoke to my bank about the charge kaso ang sabi nila I have to pay for it or request for the merchant to cancel the payment para ma reverse kaso ang due date ko is this upcoming March 30 na...
Ask ko lang po, how long ang process nito? Babayaran ko ba ung credit card ko or iwe wait ko si MBLife na i-cancel yung application since kaka sign up ko lang nitong Mrach 13 ?
Do you think kailangan pa talagang pumunta doon sa office, kesyo may pipirmahan daw at magbabayad ako ng Payment at processing fee na 1000 pesos ang total, kinakabahan kase ako baka ang mangyare eh pilitin nila akong I keep ung policy, atsaka bukas kaya yon at may NCOV.
Kung makapagsubmit ka ng letter cancellation sa loob ng cooling period (usually 15/30 days from date of issuance), pasok na yan sa automatic cancellation. Hindi nagsisimula ang counting sa pag-process ng insurance company sa cancellation letter mo.
Hindi mo na kelangan mag-personal appearance pa sa MBLife head office, hindi yan kasama sa requirements ng automatic cancellation. Ang pagsubmit lang ng letter cancellation sa loob ng cancellation period ang kelangan para sa automatic cancellation. Most probably, pipilitin ka lang na wag ituloy ang cancellation kaya ka pinapapunta sa office nila.
Yung processing fee ay kadalasan binabawas na lang sa refund na ibabalik sa iyo. Kaya hindi kelangan pumunta sa office nila para iprocess ang cancellation.
Based sa mga ibang comments dito ng mga nag-cancel din ng kanilang policy within the cooling period, nabalik naman yung binayad nila in 2-3 months.
Follow-up mo lang nang madalas para hindi matengga ang refund request mo.
Patulong naman po. Nov15 lang po naprocess uung policy ko tapos nakapagemail napo akong cancellation letter may nirrply nadin pong ticker no. being process padaw po . Kelangan kopa po ba pumunta sa office nila sa makati? or dun sa office na ngrecruite sakin? pls help kung sino mn nkakaalam salamat
i
I need your advise po. Kasi same din ako sa mga nadale ng MBlife. I called the main branch to request for cancellation, pero what they said is I need to send the letter daw po sa branch, and si branch ang magsesend or forward sa main branch, ipareceived na lng daw kahit sa cashier. Now, nung nag punta na ako sa brach Rob,-galleria, sabi sakin ang tatanggap lng eh yung agent na nag assist kasi sya mag sesend ng report, nagdududa ako kasi iba yung info na sinabi sa main branch and sa rob galleria branch. Now, do I need to go pa ba sa galleria branch or diretso ko na letter sa Main branch?
Please help po. thank you.
Ako din, i want to cancel the insurance policy pero tapos na kasi ang 15/30 days cooling period. magbbyad na nga ako dapat kasi 3months ang avail ko at 4040 need ko to pay. kaso nito ko lang nabasa mga pangit na reviews. tingin ko nman di po debited ang sakin.. kasi di ko nman binigay ang atm number ko saknla para mabawasan nila. kaso inaalala ko ang info's na nabigay ko saknla. ok na sakin kahit di ko na din po makuha ang nabigay ko e,, basta ayoko nalang sanang ituloy pa ito.. ok lang nman na di na ko magbayad diba? di naman ako obligado na gawin yun since its not auto debit po.? di ko nalang sya babayaran?
Also, kung nakapagsubmit na po ba ako ng letter within 15 days, okay na po ba yun. Di na ba ako kailangan magworry na hindi umabot yung processing in 15 days?
March 1 ako nakakuha policy and same scenario din. I looked up for them online and ang dami reklamo so I decided na mag cancel. Nabagalan ako sa response nila through e-mail so March 6, I made a letter and mailed it to their head office. I also included a copy of a letter addressed sa PIC.
And kanina nag email sila about the quitclaim etc
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