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| Above are the actual cheques I received from COCOLIFE both for my FSP and GPA Insurance Cancellation. The process took a month before I finally received the cheques. |
Disclaimer: This is not a post to discredit COCOLIFE and their insurance products. This is a post about my personal experience with COCOLIFE and why I decided to cancel and ask for a full refund of my Future Savings Platinum or FSP and my GPA policy. This also talks about cancellation of COCOLIFE Insurance Policies within the cooling off period as per the Insurance Commission of the Philippines.
Today, I am fulfilling the promise to myself that I should write a blog about my experience with COCOLIFE in order to inform others and prove that you can still get back all the money cocolife got from you.
I was even more inspired to write this because of the comments of some of the staffs of COCOLIFE who berated the blog posts and online articles about them which has really helped me and maybe others get our money back from COCOLIFE in full.
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I was even more inspired to write this because of the comments of some of the staffs of COCOLIFE who berated the blog posts and online articles about them which has really helped me and maybe others get our money back from COCOLIFE in full.
So, immediately two days after I was victimized by COCOLIFE agents at SM Manila, I sent my letter of cancellation to their Head Office because according to what I read online, there's a big chance that I can get my money in full if I process my cancellation within 15 days (not sure if 15 days after I received my Insurance Policy or 15 days after I signed with them).
While waiting for the agent who sold me the policy (kasi may client pa daw), some staff talks with me questioning why I will be cancelling my insurance policy and remarked "Na-blog ka no?" I'm guessing they already knew why and that they might also be reading these blogs online. They knew what they are doing, they are just hoping we won't bother to process the cancellation and just let them run with our hard-earned money.
Although I immediately understood what she meant by "na blog", she's saying that I was convinced by online blogs to cancel my insurance policy, but that's just in part, the online blog I read just reinforced my will to cancel because based on what I've ready online, they can't really be trusted and guess, what? One of Google's top suggestion when you type the words "COCOLIFE Insurance" are "refund", "cancellation", "scam or not". What does that mean? This might mean that not only me, or not only one, two or three people who wants to cancel their cocolife insurance policy but a lot of people. When I went to their head office in Makati to send my letter of cancellation, there are plenty of people visiting cocolife for "insurance cancellation" based from the guard's log book.
"Yes na-blog ako! So What? Gusto mo dagdagan ko pa ang mga blog online eh!" That's the answer in my mind I want to give her but I just kept my cool. I promised myself to also blog about this with even more details so that more and more people will get back the money they lost in full from COCOLIFE because, of course, that's our hard-earned money and savings, they will just get it that easy? Although it's not bad to get life insurance, but hey! We deserve an insurance company which bothers to explain the benefits very well to us; and we deserve agents who would want to explain carefully to us what and what not are included in the insurance we are availing. Not like this, where we felt forced and decides immediately.
Things To Remember To Get Your COCOLIFE Insurance Policy Refund
- File within 15 days (cooling off period). I'm confused regarding this 15 days as to where the start is. According to a blog by MoneyTalk.ph, the 15 days will start from the time you signed up but I've also heard the count will start from the day your received the fine print of the policy. This is important to point out because some of you immediately got the fine prints when you signed up, but some also got it through mail about 15 days from the day they signed up which is also my case. But I immediately filed my cancellation before receiving the fine prints, so make sure to remember that dates. But either way, if you really want to cancel it then just do it immediately.
- Have them receive all letters and documents. Make sure to have your receiving copy of the letter you sent with the receiving person's signature and date. You can use that as proof that you filed your cancellation within the cooling off period of your insurance policy.
- Be firm. If you are within 15 days, you have the right to cancel and get the refund in full. Wag magtiwala sa agent. Usually they will convince you that the policy can not be cancelled or most of the time, the agent will tell you that you can only cancel the FSP but not GPA. Insist by saying that you went to the Insurance Commision and their advise to you is you can get your full refund for both FSP and GPA. Tell them that any insurance is refundable within 15 days. (Actually, nagsinungaling pa ako sa kanila, sabi ko galing akong insurance commission kahit hindi. HAHA!) But I know there was that rule that you can get a full refund. The agent even challenged me to produce the name of the person who said that
- Follow up. Call their Telephone of Email Them. COCOLIFE customer supports are approachable. They even replied to me through email so I followed up my cancellation through email. No one is answering my calls in the provided telephone numbers but you can try both which one will work in order to remind them of your cancellation.
- Photocopy all the original papers and if they will get the original copies, have them sign your photo copies and let them certify it as true.
What to Expect From COCOLIFE Agents When you go there to Refund your COCOLIFE Life Insurance and How to Handle Them?
- They will offer a compromise. One of my reasons for cancelling and asking for a full refund of my FSP and GPA insurance policy from COCOLIFE is that I did not get the promised free 20,000 worth insurance, which is really the reason why I attended their orientation. That really triggered me when I realize that I did not received that promised, they only gave me eco bag. So when I went to SM City Manila to process my refund, the agent asked me why. I told them I lost my trust because I did not receive that free 20K worth insurance which I planned to give to my mother. The agent offered me immediately the said insurance telling me "Iyan lang naman pala dahilan mo, eto na ibibigay ko na." Ganyan lang pala kadali ibigay bakit pa nila pinatagal diba? Bakit hindi nila binigay nung time ng pagkakuha ko? Bakit ngayon lang na nagreklamo ako? How can I trust them my future? So I refused and told her I have already decided to cancel all and I can't be convinced to retain a single policy with them anymore.
- They will convince you to continue the Policy. Of course, they have commission for every closed deals so naturally they will try everything for you to retain your insurance. But if you really want to get back all the money they got from you, NEVER COMPROMISE. Tell them you have no trust to them anymore because if they lied or did not thoroughly explain the insurance you got from them as early as now, how much more if you're gone in the future and your beneficiaries claims your insurance benefits decades or many years from now? Can you trust them to deliver what you know and what they promised? Supposedly, you will get insurance to insure your future and your beneficiaries but if it's uncertain, I don't think it serves your purpose. That's why I did not agree on their compromise.
- They will say your COCOLIFE Insurance Policy cannot be cancelled or refunded. The response to this is simple especially if you're well within the cooling off period. Tell the agent that according to the Insurance Commission, any insurance can be cancelled if it's within the cooling off period and your decision is final you will no longer continue your policy with them. Be "mataray" with the agent if they insist because that's your right. Matatakot 'yan sila if you raise your voice especially if your inside their office where other potential clients are being interviewed.
- They will say your FSP is refundable but not your GPA. This is also what the agent told me. But I insisted and told he I went to the Insurance Commission and told me all insurance policy can be cancelled and refundable (Even though I did not went there. I just made it up but it's true that you can cancel based on what I have read online). The agent said I should tell her the name of the person from the Insurance Commission because according to her they will file a case against that person because they are depriving the people (like us) of security for our future (wow ha!). I said I was not able to get the name of the person, but I said if she insist on saying that the policy cannot be cancelled, I told her I will go directly to the Insurance Commission to get the name of the person, and we both agreed. She then handed me a piece of paper to sign a letter for my FSP cancellation. BUT! She wants me to put in the letter the phrase which says "I can cancel my FSP but not the GPA." I told her I won't sign the letter and will instead go to the insurance commission for clarification if she insist on including that phrase just to process my COCOLIFE FSP refund. I gave her my word and did not sign the letter and did not process the cancellation that day and plan to go to insurance commission day after. But 10 minutes later after I left COCOLIFE office at SM Manila, the agent called me while I am already on the train and told me she will process the cancellation for both my FSP and GPA policies dahil daw "makulit ako" haha! I think she was just scared if I go to the Insurance Commission, but either way you should be true to your words, go to the Insurance Commission if you have questions in mind because these insurance companies are under the watch of the Insurance Commission.
- They will dictate you what to write. You can let them dictate you but make sure to check the statements of the letters before you affix your signatures. Based on my experience, if they feel that you have decided to cancel all your policies, they will convince you to just put reasons such as "financial difficulty" but I did not agree and instead include all the reasons I felt relevant because they said the cancellation is still for approval and if I just put there financial difficulty, it might get rejected and I will lose all my chance to get my refund.
How to Make COCOLIFE Letter of Cancellation
The letter of cancellation of your COCOLIFE Insurance Policy very easy to make. You just need to make sure you put in the very important details regarding your COCOLIFE Insurance Policy refund. You can just follow the screenshot of the letter I made below or just download my template so that you do not need to encode all of it. (COCOLIFE Insurance Policy Cancellation Letter Template)
The most important thing to remember is your reasons. You should be honest on your reasons. I know most of us have mostly the same reasons on why we want to cancel our COCOLIFE Insurance Policies and get our money back in full. So I am compiling here some of the reasons I put in my letter including other reasons I have read online so that if it applies to you you can just copy or rephrase it. I'll also include explanation so feel free to copy and edit the reasons to fit your own.
Some of the Reasons Why I Cancelled My COCOLIFE FSP and GPA Insurance Policy:
- No Free Insurance Policy Worth 20,000 Pesos as Promised. The agent we talked to said that we will be given a Free Life Insurance Policy worth 20,000 pesos and more raffle tickets if we attend their "orientation" in their office somewhere at the 5th Floor of SM City Manila, but there was none given to me, so I included that in my reasons.
- No Additional 10 Raffle Tickets. I did not specifically remember if they promised me additional 10 raffle tickets if I attend their orientation in the office of COCOLIFE SM Manila but according to one of the victim I know, he was promised with additional 10 raffle tickets but was not given to him. So if you remember that they also promised you this, include this in your reasons. I only received additional 1 raffle ticket.
- No Bag as Promised. The victim I talked to also was promised to be given a bag. According to him, COCOLIFE agents promised to give him bag, and yes they gave him, but he was not expecting it to be just an ecobag out from the 20,000+ they got from him. Although I also received an ecobag from COCOLIFE but I don't remember if they promised me that so I didn't include that in my reasons.
- Aggressive and Deceptive Strategy. Aggressive because I felt I was forced to sign the contract. Although not in the sense that they used force literally for me to sign the insurance policy but I felt I was forced knowing that I was confident entering their office with their very friendly staff and agents reassuring me that they won't get the money I showed them thru the ATM Balance Inquiry Receipt. Always telling me that, "wag kang mag-alala sir sa'yo 'yan. Itago mo 'yan. Hindi naman sa amin 'yan. Hindi namin kukunin 'yan." Only to end up feeling forced to sign the auto-debit agreement and get your money from your debit cards or ATM because it's still for verification. What verification they were talking about? That if they insert my ATM in their POS terminal they will expect BDO to verify it and reject it? In the first place they knew how much is the balance of my ATM so I couldn't understand what they meant by "ATM verification". Deceitful in the sense that I went to attend their what they call "orientation" or "orientation para ipakilala si COCOLIFE" for the reason to get the promised benefits for free but ended up forced to sign and get the policy instead to shut their mouth up.
- No Detailed Explanation Regarding the COCOLIFE Insurance Policy. Aside from the fact that their opening explanation during their so-called "orientation" was deceitful because the agent used the face value of 1,000,000 pesos as an example, so naturally the promised money the client will receive after 10 years as endowment is big. 100,000 pesos for a year or 10% of your face value! Without explaining that of course your monthly payment for that is also very big for 10 years! There's a lot of important details that should be explained before they let the client sign the policy, but they chose not to let me (us) know about it so that we are encouraged to sign and ultimately get our money.
- Miscommunication and Misunderstanding - You can summarized other reasons as being miscommunication or misunderstanding because the agents who dealt with me before attending the orientation was saying differently such as promising other benefits which turned out nothing from the agent who oriented you in their office.
NOTE: If you have other reasons I have not included here, please comment so I can add it here so others will know.
Good luck everyone. If you are not happy with your insurance policies whoever sold it, remember to not hesitate to exercise your right to ask for a full refund of your hard-earned money because it's our right based on the Insurance Commission's rules. Don't be shy and scared, cocolife's customer support especially the client relations department are very approachable so you do not need to be "masungit" to them, the most important thing is we can get our money back and don't let the agents run away with our money.
I hope COCOLIFE will discipline their agents because ultimately, this will backfire to them and not the agent's.
Pwede po ba via email lang po magpacancel sa cocolife kasi nasa probinsya po ako. Kahapon kulang nakuha at nakauwi na po ako? Or kailangan talaga pumunta sa main office nila?
ReplyDeleteno need to go to main office. you can file at the branch tapos CC niyo ang main office at ipadala via LBC or other courier service. ang importante ma receive ng branch at may signature sila. medyo late kasi nagrereply sa email but you can try to email.
Deletehello po maam .. kahapon po na.avail ko po di po kasi talaga ako pinaalis tapos bsta nalang po ako nila pina.sign at pinalabas yung atm ko.. sabi ko magdecide po ako muna sabi nya dapat ngayon na talaga.. pano ko po makukuha pera ko ? 34k din po yun huhu please help me po.. sm city cebu po yun .
DeleteHello, gusto
DeleteKo rin po sana withraw /cancel ang cocolife insurance ko...ngayun lang sept.23,2018 sama tayu para mas malakas parang nabigla ako sa nangyari .
Hi, sundin niyo lang po ang guide, nakasulat na lahat dyan ang dapat niyong gawin para ma cancel mo ang FSP at GPA mo sa cocolife
DeleteNavictim nila aq last sept. 19 tpos ngpasa aq agad ng letter of cancellation sept. 20 s head ofis nila tpos ngbigay aq ng xerox ng receiving copy s sm north branch. Since wla ung branch manager that time tumawag n lng aq kinabukasan sbi sakin nung cashier ok n dw and i asked ano next kong gagawin sbi skin wait n lg aq ng 30-45 days for refund. so umasa aq na ok na. Ngayon s main opis tumawag aq kung ok n ung cancellation sbi sakin subject for approval p lng dw. Pinagtataka ko bkit s branch ok na pero s main opis nsa evaluation pa. May natanggap po b kyo kyo b txt from main opis kung ano ngyri s letter of cancellation nio.
DeleteI am also a victim. Iloilo Branch naman, same as you po ang naexperienced namin ng asawa ko. Buti nalang ako may Life Ensurance na (Sunlife), at ang asawa ko nalang ang nagfillup Kung nagkataon malaki Sana ang nakuha Nila saamin. Pero that was April23,2018 pa,and late ko na Nabasa ang mga ganitong complain.
ReplyDeleteshare niyo po para malaman ng iba at di na tayo mabiktima. Thanks.
DeleteI was at metropoint for window shopping today then, I was called for a raffle ticket. Then instantly I went to their office. They have their own ways of selling the insurance without any trace that they insisted you to buy. I paid 6k today. And upon reading these, I want to cancel. Would it be possible?
Deleteito po b tlga yung fax no ng cocolife? 812-9053
ReplyDeletenot sure po pero you can find their business card on this article. Binigay mismo nila sa akin so I'm sure legit ang contacts na to:
Deletehttps://themillennialsinvestment.blogspot.com/2018/05/can-i-cancel-my-cocolife-insurance-policies.html
ito po b tlga yung fax no ng cocolife? 812-9053
ReplyDeletehi po ako now lng subrang tama lahat mg sinabi nyu,at within a day lng daw talaga yun na forced talaga ako at dami nila sinasabi kung magiipon ako ba t di pa now,sabi ko i have to decide muna within a day then parang sabi nila kasasabi ko lng gusto ko mag save at di daw sila namimilit,pero grabe panu nila ako sabihan wala na ko magawa 30mins naging 2hrs sa kagustuhan ko umuwi na nag bigay ako buti 2k lng po pero try ko gawin lahat yan para marefund ko po,subrang binasa ko blog nyu po,po nga po walang dti permit ang raffle nila at grabe sabi nila ilaglag ko lng daw at walang inssurane na free,pls may contact po ba kayo para mag pa guide sa inyo salamat po :)grabe xperienced ko lalo po yung need nila daw e ask yung bdo for approval pero sa termal pos na bdo nag swipe na sila agad,madami na din sila na victim po ,sana wala na sumunod feel ko din marketing strategy lng nila ang raffle draw po
ReplyDeleteYun ang ilagay mo sa reasons mo yung e confirm daw sa BDO pero POS terminal mga gago talaga! Ganyan din sila sa akin! Mga bobo ba sila ang sinasabing confirm/verify sa BDO ay charge na yun sa account mo mga gago talaga yang taga cocolife. Anyway the furst thing to do is if malapit ka dito sa cocolife main office sa makati you can make a letter of cancellation and have it received sa main office with signature and date para may panghawakan kang document na within 15 days ka. Then attached that letter to the cancellation letter na gagawin mo sa Branch kasi kahit punta ka head office ibabalik ka parin sa branch. Pwede niyo rin po ipa LBC kung malayo kayo and make a documentations picturan mo ang receipts from LBC indicating na nag send ka ng letter to head office, you can also email them i think nagrereply naman sila.
DeleteMay contact numbers sila dyan pati yung cocolife mobile number telephone at email address.
Deletehttps://themillennialsinvestment.blogspot.com/2018/05/can-i-cancel-my-cocolife-insurance-policies.html?m=1
Hi pwde ko pa bang icancel ung akin kasi wala pa sa kin ang policy ko. Last Feb 2018 nangyari sa akin. Same strategy. Nag emal aq sa knila 3 days after pero wala ding nangyayari till now
ReplyDeleteTry niyo po puntahan ang branch at agent at mag submit ng letter of cancellation e attached niyo ang email niyo.
DeleteHi wala na po bang possibility na marefund yung pera ko dahil lagpas na ng 15 days?
ReplyDeleteWala naman mawawala kapag sinubukan mo, yung sa akin kasi within 15 days kaya masasabi ko na makukuha mo full refund kapag within 15 days. Try niyo po make sure to follow guides sa pag cancel.
Deletehello po,, pa guide po ,,ano po gagawin ko.. Next,, nakapag submit na ako ng cancellation letter sa branch, ,July 09,18 ,,pasok pa po ako sa 15 day cooling period. Then, ni recieve naman po ,Nung agent, ,Wla kasi lge manager nila,at sabi Wait lang daw ako ng 30-45 day,,process pa daw kasi nila... ...so guys please pa guide ako.. Ano gagawin next,, Dapat pa ba ako pumunta sa main office nila ,Para i submit ulit ung cancellation letter na recieve ng agent. . O. Call nalang ako sa number ng main office nila for, follow up......advice guys please... Stress full much na po tlga. .
DeleteKung nakapag submit kana at nireceive na nila OK na yan hintay ka nalang. Mga 30 days din yan. Make sure meron kang kopya ng letter mo na na receive nila, may signature at may petsa para may panghahawakan ka. Usually friday daw nila piniforward sa main office yan from branch so you can follow up at least one week after. You can also email them, based on my experience nagrereply naman sila sa email kahit medyo delayed.
DeleteAnyway, you can find all their contacts here: https://themillennialsinvestment.blogspot.com/2018/05/cocolife-insurance-full-review-based-on-experience.html
Hello, nagpunta ako sa branch kung san ako nag open. pero di nila tinanggap letter ko at sabi pa di ko daw agad marerefund kasi may traditional pa sila na sinasabi.
ReplyDeletedi ko pa mapuntahan mismong branch kasi sobrang busy ko di ako makapagleave.
tapos ngayon tumawag cocolife naka autodebit pala account ko sa plan. sa august na magsisimula hulog. sinabi ko nangyari na nagpunta na ko sa branch for cancellation pero di tinanggap saka di ako nainform na naka autodebit, sabi pa nga sakin ok lang naman kahit di ko mahulugan agad basta wag lang daw aabot ng taon. di ko naman nasabi name kasi andun sa document ko name ng agent na kumausap sakin saka nasa byahe pa ko nung tumawag sila. eemail ko daw letter sa customer_service@cocolife.com ok lang kaya kahit letter lang at wala pa documents kasi now na ko mag eemail. nasa bahay documents ko.
Pwedi natin silang ereport sa bitag kay sir tulfo...
DeleteHi.. i paid cocolife last january 2018 for the the whole year coverage,posible po ba makapagrefund ako kahit ilang months na lumipas?..nandito po ako sa Newzealand ngayon. And pwede po ba makapagrefund ang kamag anak?
ReplyDeleteHello, I'm not sure if makukuha mo pa ng buo ang naibayad mo. Ang ma advise ko ay basahin niyo ang fine print ng insurance mo from COCOLIFE kasi sabi ng ibang nakausap ko hindi ka covered kapag nasa ibang bansa ka. Since nasa NZ kana, make sure naintindihan mo ang coverage ng kinuha mong insurance at kung hindi nga covered much better to cancel it. Marami silang hindi sinasabi at ini explain sa insurance nila. Sayang lang pera natin.
DeleteGood day po..ask ko lang po..kahapon lang ako nag open sa Coco Life..umpisa palang pakiramdam ko naSCAM na ako kasi ayaw akong paalisin sa office..paanong letter po ang gagawin para mapaCANCEL ko pp bukas yung akin?salamat po sa sasagot
DeleteHello, may letter po dyan na template, basahin niyo po ng maigi ang guide na nakasulat para maging handa kayo anuman ang ang sasab ng cocolife.
Deletehi mam/sir...goodmorning po...isa po aqng ofw ...
ReplyDeletesa kasalukuyan po eto panggabi aq sa trabaho..
nung oct. 2016 po umuwi aq ng pinas..nasa mall pp aq nun ng biglang may mag alok nga po sakin ng insurance...cocolife nga daw po...ganun din po parang katulad din ng mga na experience ng iba...na titignan qng active ung atm mo... sa kagustuhan q nga pp mkaipon para din sa anak ko nag go aq....nag sign aq sa mga papers na pinakita nila... dnq nanghinayang kase para sa anak q nman ang iniisip q.... ngaun po andami qng nababasa na mga gustung magrefund....
tanung q lang po qng marerefund q pa pp ung hinulog q sa knila eh nung 2016 pa po un....base sa mga nababasa q marerefund mo lang un within 15 days....
sana po matylungan nio aq...nghihinayang pp aq sa pera na sana pang aral nlng ng anak ko.... salamat po...GODBLESS
Hello po, wala naman mawawala kung susubukan natin. Base sa experience ko kasi na refund ko ng buo kasi within 15 days pa yung sa akin. Hindi ko na try magpa refund ng lagpas sa 15 days. Kung gusto biyo ipa refund subukan niyo po e coordinate sa agent o sa cocolife mismo at e share niyo ang experience niyo para din malaman ng nakararami. God Bless po.
Deletesalamat po sa reply ....ask q lang pp ulit qng pwede bang nanay q ang gumawa nun...kase po andto pa q sa ibang bansa...
ReplyDeletePwede naman siguro basta may authorization letter a na signed mo. Mae sure ma received ng taga COCOLIFE ang cancellation letter at pirmado nila with date para surr.
DeleteGood day! Ask ko lang po if ilang days po bago na refund yung money nyo?
ReplyDelete30 days po pero usually ang ipinalalagay nila sa letter 30-45 days pero ang sa akin mga around 30 days nga nag release ang dalawang cheque ko both fsp and gpa. followup mo lang palagi after ma submit, tawagan niyo sa telephone or email ka sa kanila nagrereply naman ang customer service nila.
DeleteHello poh.. Kahapon poh nsa sm tarlac poh kme ng asawa ko.. Tas may lumapit poh samin na bbae sa cocolife din poh.. Tas tinanong nya poh kung active yung atm nmin.. Tas humihingi sya ny receipt katunayan para mlamn kung active poh yung atm.. Tas yun nga poh ngbgay poh kme ng receipt ng huli nming widraw.. Tas kinausap poh nila kme ng ilang oras.. Mganda at kpani paniwala nmn poh yung mga sinabi nila kase nga poh sa insurance.. Sino bah nmn ayaw mgkainsurance diba poh.. Sa kgustuhan poh nmin ng asawa ko.. Umoo poh sya.. Tas yun nga poh pinaiwan poh ako sa loob tas yung asawa ko poh ang pumunta dun sa machine kasama nung isang agent.. Kaso ang ngyari poh.. Nkalimutn ng asawa ko yung pin.. Tas gusto poh nila i swipe yung atm.. Tinanong ko poh yung asawa ko kung sinwipe poh nila. Sabi nya poh hnde.. Nkapag fill up poh ako dun sa mga papers na kailangn fil upan.. Pero.. Hndi poh kme nkapagbgay ng hinihingi nilang 20k plus.. Kase nga poh nkalimutan ng asawa ko yung pin... Tas ang sabi poh sakin... Bukas pumunta ka sa bdo at dalhin mo yung passbook at id mo.. Pra dun knlng mgwidraw sabi nila... So umuwi na poh kme khapon... Tas ngayong umaga.. Tinatanong ko poh yung asawa ko kung ttuloy poh bah ako sa cocolife para mgbgay oh hnde... Ang sabi poh nya nsa saakin daw poh... Sah sobrang pag iisip ko kung ano poh bah tlaga yung cocolife na yan.. Nagsearch poh ako.. Tas nkita ko poh lhat ng coment at problems tungkol sa cocolife at sinabi ko sa asawa ko... Ppunta pah nmn sana ako ulet duon sa cocolife pra mgbgay ng pang insurance... Pero dahil nbasa ko poh ang lhat ng post nyo.. Dna poh ako ttuloy... Tnx god at wala pah poh ako nbgay na pera sa cocolife na.. Dahil kung hnde.. Isa nrin ako sa mga nbiktima..
DeleteTanong kolng poh.. Yung papers na finil upan ko.. Wala na poh bng bisa yun or wala poh bng problema dun kase syempre poh nndun yung pangalan ko.. Pero wala poh silang nkuhang pera
Hello po! ask ko lang po if sa client relations department po kayo nagpafollow thru phone calls? Yung request for cancellation ko po kasi di ko na pinadaan ng branch nila inemail ko nalang kasi po ayaw naman tanggapin ng agent nila. Pero wala naman po ako narereceived na acknowledgement receipt sa email, dapat po ba may iprovide silang response sa email ko?
ReplyDeleteTama po, sa Client relations department ako nagpafollow up. Ilang days na po ba kayo nag email? Mas mabuti po sana personally delivered yung letter para po may hawak kayong received copy kaagad. Anong email address po ang senendan niyo? clientrelations@cocolife.com? Dyan po ako nagpafollow up sa email sumasagot naman. Within 15 days paba ang pag avail mo? Dapat tanggapin nila pagalitan mo kapag di tinanggap.
Deletegood day po pwede pa po ba kong magcancle kung lagpas 15days na po...at kung makakarefund pa po ba ako...sabi po kasi nung pumunta ako dun hindi ko daw kasi pwede icancel yun insurance policy ko kasi 10years contract daw po sya...nagtext po ko sa agent ko for cancellation...then pumunta ako dun...sbi hindi na pwede kasi my policy contract na...kahit na hindi pa complete yun info sa mga beneficairy ko...please help po plan ko po sana magsend ngayun ng letter...thanks po in advance
ReplyDeleteWag maniwala sa sinasabi ng agent kasi kung hindi pwede bakit naipakansel namin ang ang samin at naipa refund ng buo? As long as within 15 days. Hindi ko lang alam if after 15 days pwede pa. Dapat pinagalitan niyo agent mo sinabi mo na ang sabi sa insurance commission pwede ikansel. Niloko na nga tayo magtitiwala paba tayo sa sinasabi nila na di pwede?
DeleteOpen po kaya Ang main office pag Sunday? Kasi nung Friday lang ako nadale and I want to send cancellation the earliest possible time kahit Sunday willing akong pumunta SA Main office nila to make sure I'll get my money back.
ReplyDeleteBaka hindi po pero try niyo po tawagan ang telephone nila. Don't worry basta within 15 days OK yan for sure marerefund yan as long as wag kang magpapadala sa sinasabi nila sabihin mo galing kang insurance commission at sabi sayo refundable gpa and fsp within 15 days walang tsetse buretse basta kamo ipaparefund mo lahat
Deletegood am mam ask ko lang po kse pang 1 week 1 day na po skin yung policy (SM NORTH BRANCH) pero bago ko pa nmn po makuha yung policy nag tx na po ako sa agent na nag assist sken na papa cancel ko na yung policy ko po. then ang sbe nya lang skin saturday daw ako pumunta para mag assist sken. pumunta nmn ako kung anong araw yung sinabe nya sken tpos ask nya ko kung bakit ako mag cancel sbe ko nmn sa kanya ayaw ng husband ko kse may bdo life n kme tas sbe nya pag once na pina cancel daw yung policy madame pa daw procedure keso may legal ganun ganun pa bago macancel tas mag investigate pa daw tas patapos nun ang sbe nya sken mag downgrade nlng daw cla sa policy ko bali yung GPA insurance is on going ung cancellation may mkukuha daw ako na checks sa knila after 2 weeks para dun sa binaba nung sa policy ko. tas same pinagawa ako letter thru dictation nila kse pra silang nanakot na di mawari. panu po kaya gagawen ko para ma cancel na yung policy ko. tas ngaun araw lang tinxt ko yung agent ko sabe ko papacancel ko na tlga yung policy ang sbe lang sken sa wednesday nlang daw e ang sbe nya for deliver na yung docs. ko sa main office nila yun yung letter na pina downgrade yung policy na dinictate nila.. pa help nmn po salamat..
ReplyDeleteHello, yes style talaga nila yan as I have pointed out in "What to Expect From COCOLIFE Agents When you go there to Refund your COCOLIFE Life Insurance and How to Handle Them?"
DeleteSabihin mo sa kanila final decision mo na talaga mag cancel sa lahat both FSP and GPA. As long as within 15 days ka pa wag mo na patagalin punatahan mo na kaagad wag sa petsa na gusto niya kasi nauubos na oras mo style lang nila yan para pag lumagpas kana 15 days wala kana.
Pag nag decide ka to cancel make sure panindigan mo kahit ano pang sabihin nila magtaray ka dun kung maaari nahihiya yan sila pag sumigaw ka dun kasi baka marinig nga ibang possible victims lalo na sa branch nila.
ok lang po ba un iparecieve sa ibang agent ung request? para kahit papano na recieve na nila
Deletekung hindi po mkkapunta sa head office para magpa receive ng request fo cacellation anu po ung ibang option maliban po sa padeliver thru LBC? kung pa lbc nmn po panu po yun bblik n may recieving na ni cocolfe? salamat po ng marami
ReplyDeletepag LBC wala kang receiving copy but atleast meron kang LBC receipt na pinanghahawakan na pinadala mo sa HO nila. Kung wala ka talagang choice pumunta ng head office, go directly to the branch kasi kahit pumunta kang HO magrereceive lang yan sila ng letter papupuntahin ka parin sa branch kung saan ka pinag avail kasi dun ipapakansel yan.
Deleteok lang po ba un iparecieve sa ibang agent ung request? para kahit papano na recieve na nila
ReplyDeletehindi ko na try pero mas OK siguro yung branch manager or kahit sinong mas mataas na officers nila sa branch basta make sure to go back pag available na agent mo para formally siya pipirma at siya mag rereceive.
DeleteThank you po. gumawa na din po ako ng letter for cancellation. then kahapon tumawag nga po ako sa IC para i confirm kung panu ba gagawen sbe nman nla pde pa un ipacancel basta wala pang 15 days . nag sign up kse ako nun sa knila last week lng po nitong july ibig sabhin pako pako sa 15 days d poba kya d nila pde sabhin n nd pde kanselahin. once po ba na maparecieve ko na sa knila aun ung magiging proof ko na pasok ako sa 15 days para kanselin nla ung policy at para marefund ko ng buo ung binayad thru CC.. salamat po ng marami asko ko na din po gaano po ba katagal yung process bago mbalik ung refund.?
Deletepanu din po pla eh kinuha po nila ung resibo sken dhil dun sa down grade na cnsabe nila.
DeleteHello, ibig mo ba sabihin nakapag submit kana ng cancellation letter at may kopya kana na received nila? At ang sinasabi mong downgrade ay pumayag ka na e downgrade ang insurance mo so ano nalang ang marerefund sayo? Ako kasi hindi ako pumayag sa e downgrade sabi ko cancel talaga lahat both FSP and GPA.
DeleteWag po tayong magpaloko ulit, walang compromise kapag gusto natin e cancel lahat walang downgrade2 para makakasiguro ka na makukuha mo ng buo ang refund mo from cocolife both FSP and gpa policy.
regarding sa pagbigay ng mga documents, make sure e photocopy mo lahat ng kukunin nilang documents galing sayo pati ang receipts at yung photcopies papirmahan mo sa kanila bago nila kunin ang original iopa certify as TRUE mo sa kanila kasi yan lang ang panghahawakan mo. Wag mo ibigay kung wala kang photocopy na ma certify as true nila.
Deletenasa article po natin yan, yung section na "What to Expect From COCOLIFE Agents When you go there to Refund your COCOLIFE Life Insurance and How to Handle Them?"
DeleteSana nasundan niyo ang mga steps dun sa section na yun para makasiguro tayo.
hindi papo dapat po kse tlga papa cancel ko na policy sbe nya ay d pde canselin un kse my policy na ta kung papa cancel mo e madami procedure yan ect. ect sbe nla tas mya sbe nya downgrade nga daw ung down grade pala na un bababa lng premium pro bbyaran mo padin ung buo sa susunod. khpon ko lng din po kse nabasa itong blog kya nd ko alam panu na kaya gagawen ko dun e wla po ako kopya ng resibo ko yung binawas sa cc ko. pa help nmn po sbe kse ni agaent for dispo na daw papuntang H.O e may nkita ako na twing friday cla nagpapasa ng req. na tao sa H.O eh pumunta po ako dun etong last sunday lang ibig po sbhin nsa ofc pa nila ung papers ko.
DeleteOK lang yan kung receipt lang kasi meron naman siguro statement sa CC mo. Siguraduhin mo lang ang received copy mo sa cancellation na may signature at petsa para may maipakita kang proof na within 15 days ka.
DeleteMake sure din e photocopy at ipa certify at true ang mga original docs bago natin ibigay sa kanila ang original.
bali po pati ung policy xerox ko din para proof na naibalik ko sa knila un then 2 copies po ginawa ko na letter ng request for cancellation. salamat po
Deleteyes po para safe ka. tapos make sure papirmahan mo at lagyan ng date pag receive nila.
DeleteNako po nakapag apply din ako sa sm north ng cocolife akala ko ok sila nadala ako sa mga sinasabi nila...
DeletePinakita ko sa atty ko sabi di nmn sila masyadong kilala... na isahan nila ako akala ko kasi 45mns talk lng umabot kmi ng 2hrs....
Panu ko kaya mabawe ung pera ko pinaghirapan konpa nmn yon...
Anyone who filed cancellation ng lapse na sa 15days cooling period? May marerefund pa kaya kahit hindi in full? Can you share your experience or any comment please?
ReplyDeleteHopefully may makapag share sa atin na mag cancel na lagpas na sa cooling off period. Or try to call insurance commission or the COCOLIFE mismo if you want to cancel.
DeleteFollow up ko lang po kung may nakapagpa cancel at ni refund ang pera dito kahit after 15 days na.
DeleteHello po , i am from cebu . nakunan po ako nang 20k mahigit last july 22 . 9 days napo ngayon from the day po na pumirma ako . matanong ko lang po kung pwede ho ba magpasa nang email sa HO nang walang pirma o kahit hindi na ako pumunta sa branch na kung saan ako nakunan ng pera ? please reply po . in need of help po .
ReplyDeleteHello, to make sure po you can send your cancellation letter sa email nila, and then also send a letter thru LBC kasi kapag LBC meron kang receipt na panghahawakan, kasi kapag email baka sabihin nila hindi nila na receive so to make sure send ka both email and thru LBC. Pero kasi, kahit nung ako pinadaan ko sa HO nila, pinapunta parin ako sa branch para magpakansel, so baka ganyan din gawin sayo pero at least bmeron kanang documents na hawak na nagpakansel ka within 15 days.
DeleteMay I know the reason why you can't go to the branch? Malayo kaba? ImpkrtImpo makapunta ka sa branch, please read the guide in the blog above para ready ka harapin sila. Make sure to not accept any compromise at wag na magpaloko pag sabihin nila hindi pwede, sabihin mo yan ang sabi ng insurance commission. Mga yawa raba kaayo na sila maayo kaayo mamababa! Mga animal!
Mas maganda po may pirma ang cancellation letter niyo, kung email scan niyo nalang, kung LBC niyo pirmahan niyo nalang.
Deletemalapit lang naman po dito sa cebu yung branch na kung saan ako nakunan . sa sm po . sa tingin ko po pag pumunta ako ulit dun baka madala na naman ako sa mga salita nila . pero na scan ko na naman po yung letter of cancellation ko tapos may perma rin po . try ko pung magpa LBC para rin po makasigurado .
Deletetanong ko narin po kung ano yung email address nila tsaka yung number na pwede ko pong tawagan for follow up . palapit napo ng palapit yung 15 days po , baka maabotan ako ng araw na yun .
Deletehi goodevening hingi po sana ako nang head office address para sa pag pa Lbc po nang letter ,
DeleteMacacancel ko pa ba yung sakin po since sept 2017 hanggang nungjune nahuhulog po ako?..marerefund po ba yung pera na naihulog ko na po together with sa nabayaran ko nung start na nswipe yung card ko po
ReplyDeleteMukhang malabo na po yan pero try niyo po e coordinate sa agent niyo kung kaano ang cancellation kapag ganyan na katagal at kung gaano kalaki ang maibabalik sa inyo inyo if ever. Yung sa situation ko kasi within cooling off period pa or 25 days from signing. Hindi ko po alam if more than years na paano ang process.
DeleteHi Kristine Joy, nagpa cancel ka ba? Ni refund ba nila?
DeleteTanung ko lang po kasi kanina lang din ako napa fill up sa cocolife. Kaso ung akin ay FSP lang.Pwd ko po bang ipa cancel agad un.kasi pati account number ko naisulat ko doon. Nd ba nila makukuha ung pera sa atm ko kasi nag swipe ako gamit ung account ko. Pero nasa akin naman ung mga resibo.
ReplyDeletePwedeng pwede po kasi within the cooling off period kapa or 15 days from time you sign. Kung pumirma po kayo ng auto debit form, automatic po nila ibabawas yung amount sa petsang nakasaad dun sa form. Pero kapag nagpakansel ka mawawala po ang bisa ng auto debit. Message us at Facebook, TMI - The Millennials Investment
DeleteTanung ko lang po kasi kanina napa fill up narin ako sa cocolife. Tapos nagbayad ako thru swipe ng card ko bali P6046.81 .tapos ung na fill upan ko na form eh nailagay ko ung account number ko.nd po ba mawawala ung pera doon kasi ung ang gamit ko atm pag sumasahod ako.baka po mawla bigla.. tska FSP lang po ung na declare sa akin wla pong GSP. Kung hahayaan ko lang po ba yun.mag automatic ba magbabawas sa atm ko.kasi sabi sa akin after 3months bago daw po hulugan. Pwd po ba I cancel agad to. Marming slamat po
ReplyDeleteAng FSP or future savings platinum ng cocolife ay pwedeng pwede po ikansel. Yung sa question mo na mawala pera mo dipindi if pumirma ka ng auto debit kasi kung pumirma ka talagang babawasan yung ATM mo. Anyway kung mawala man pera mo sa ATM mo pwede mo naman ipa check sa bank mo saan napunta so ma ttrace mo parin yan if COCOLIFE ang kumuha. Since within the cooling off period ka pa naman, advise ko ikansel mo na at ipa refund para mabawi mo pera mo at ma stop ang auto debit kung hindi mo naman tlaga plano kumuha at kung plano mo lang hindi bayaran. Sayang lang kung hahayaan mo. Ila refund mo na pinagpaguran mo ang pera mo.
DeleteHello , kanina po pag punta ko sa branch nila para makacancel ako , instead po na ma cancel po yung FSP ko , sabi po nila na hindaw po pwede. kasi po , meron daw sa policy na NON-FORFEITURE POLICY . nung pumirma po ako last july 22 ,2018 hindi po pinakita sakin yung policy na yun . pero ngayon , pinapalabas nila na bawal na bawal po kasi nakasaad sa policy . tanong ko lang po, pwede parin po bang macancel at ma refund lahat ng pera ko kahit meron nang policy na pilit nilang sinasabi na bawal ?
ReplyDeleteHi, kung sinasabi nilang nakasaad sa policy na hindi pwede ikansel mag insist kayo na ipakita at ipabasa sa inyo ang nakasulat na sinasabi nila. Wag basta basta magtiwala kasi niloko na kayo nika bakit niyo pa sila paniniwalaan. Isa pa kahit anong policy basta within the cooling off period or 15 days from sign up ay pwedeng ipa cancel at ipa refund sabi ng insurance Commission. Kung gusto niyo talaga ipakansel yan yan mag kayo ng cancellation letter sa head office nila at make sure may received copy kayo e attached niyo yung received ng head office nila sa cancellation letter niyo sa branch.
Deletemeron nan po talagang nakasaad sa policy nila na non-forfeiture pero di ko po yun nakita nung pumirma ako . nagpasa narin po ako ng cancellation letter sa head office pero ganun din po , pinapapunta lang ako sa branch na kinunan ko para daw dun macancel.
DeleteNa received ba ni head office ang cancellation letter niyo? If na received e attached niyo sa bagong cancellation for branch ang photocopy ng signed letter from HO. If sinabi nila na pumirma kayo sa policy kung saan nagsasabing hindi pwede e forfeit, seek advise from Insurance Commission kasi ang alam ko ang cooling off period ay mas mataas kaysa dyan sa nakasukat sa policy nila. Ibig sabihin, kahit ano pa nakasulat dyan sa pinirmahan kung ang sabi ng batas pwede mag cancel within 15 days eh pwede talaga yun. If they insist hindi pwede, seek consultation from insurance commission.
DeleteCan you send a copy of the statement na hindi pwede ikansel? You csn send us message at our FB Page, TMI - The Millennials Investment so we can also check if ganyan din ba nakalagay sa policy namin at kung pareho, magtataka tayo kung bakit naipakansel namin ang sa amin at sayo hindi. Thanks.
DeleteHello! Gusto ko sana i-cancel and GPA plan ko sa COCOLIFE. Pwede paki reply naman dito kung ano ang full steps or procedure ng cancellation? Thanks!
ReplyDeleteHi, as you can read from the article, gawa po kayo ng letter at mag submit sa branch. Make sure to read the blog above para may guide kayo ano ang dapat gawin at ihanda para matagumpay ang aag cancel ninyo.
DeleteWhat if dito na ako sa u.s. pwede pa po pa cancel?
ReplyDeletecoordinate mo nalang sa agent mo or sa cocolife head office paano gagawin.
DeleteHello. Good day! We got a plan just yesterday, same as yours. However upon checking all the feedbacks,I’m so worried. My flight is today and I can’t go back to SM mall and in our province no, cocolife insurance there. Is it possible to cancel my plan online? Through email? They said, they were present in UCPB, is it possible to cancel it there? Please help. Thanks
ReplyDeleteDid you get your agents contact number? You can coordinate with the agent so you can just mail/LBC your cancellation letter to the branch if you really want to cancel.
DeleteI already contacted the agent but they told me that they explained it very well yesterday, and I said that I was worried about your negative feedbacks and one of the reason is you don’t have a branch here in Dipolog and you told me yesterday that I can process all documents in uCPB but now they told me it’s not accepted. My gosh! Can I email directly or call their main branch instead? Please help :(
DeleteYes you can email at their Head office at clientrelations@cocolife.com that's the email address of cocolife main office. You can message us in Facebook at TMI - The Millennials Investment for contact information of cocolife main office
DeleteHi! Well my cousin told me to read a blog about Cocolife. Today lang ako nag sign-up kasi sabi nung agent sa may SM Sucat Paranaque wala naman babayaran. Bibigyan ka lang ng eco-bag. Nag worry tuloy ako sa mga na basa ko kasi hindi naman kami mayaman. Hindi rin naman ganon kalaki ang kinikita namin ng asawa ko. Savings lang namin ung na sa atm card ko. Tapos yun nga yung pag approach aaminin ko natakot din kami tapos siyempre na dala din sa mga raffle nila. Tama wala nga DTI tapos agad-agad need mo mag bayad ng insurance. Mas maganda po ba kung direct kami pupunta sa branch kung san kami nag sign-up para pa cancel na lang po insurance. Kasi nag worry po talaga kami mag-asawa. Thank you po sa blog na ito. God Bless po.
ReplyDeleteDontD worry, basta within 15 days may pag asa kapang mabawi in full ang pera ninyo. E process niyo agad ang cancellation.
Deletepwede po ba kapamilya mg follow up if ever ng cancellation?ksi alis na aq ng bansa sa 30 po.
ReplyDeleteYes, as long as na process mo na ang cancellation, follow up ka nalang. Pwede sa emaoe nila clientrelations@cocolife.com
Deletebalak ko po pumunta bukas sa branch kung saan po aq nakapagbayad para icancel ang insurance.wala pa po sa akin ang policy pero gusto ko po tlga ei cancel ang insurance po.
ReplyDeleteKung gusto mo talaga ikansel, yes tama tama yan punta ka sa branch. Make sure to read the guide carefully para alam mo ano isasagot mo sa mga banat ng cocolife at sa mga possible compromise nila.
Deleteaug 9 po aq nakag perma sa knila pasok pa poaq sa. cooling off po na tawag nio po.kya lng pinoproblema ko po ang pg follow up nng cancellation if evr wala na aq dito sa pinas
ReplyDeleteOo pasok kapa so pwede pa yan ikansel. Sa follow up naman as long as may kopya kana ng cancellation letter, pwede na yan sa email clientrelations@cocolife.com wag mo problemahin ang follow up. Sabihin mo e vredic sa ATM mo at hindi cheque kasi pag cheque kukunin mo pa sa branch.
Deletehi! ask ko lang po kung gaano katagal bago niyo nakuha yung refund after niyo magpasa ng letter of cancellation? thank you!
ReplyDelete30 days ko nakuha ang refund ko
Deletemay tumawag sakin the day after ko magpasa ng letter of cancellation. sabi sa tawag for approval na daw sa bdo yung refund kaya aabutin ng 30-46 days. a week after, nag-follow up ako, sabi for approval pa lang yung cancellation ko. sobrang misleading nila!!
ReplyDeleteAnong for approval ng BDO eh wala naman ata kinalaman ang BDO dyan.
DeleteAsk ko lang di ba nila makukuha pera ko ? Kasi hiningi nila atm card number
ReplyDeleteCheck mo balance mo, kung walang nabawas ibig sabihin walang nakuha sayo. Kahit makuha nila card number mo kung nagbabawas sila sa card mo ma ttrace naman yun.
Deletepwede po ba na email nalang yung letter?
ReplyDeletePatulong po ako kakafile ko lang ngayong Aug. 14, 2018.. Please po.. Anu mga dapat gawin?
ReplyDeleteHello, basahin niyo po mabuti ang article kompleto po yan. May csncelcancel letter template na at ano mga dapat mong gawin
DeletePlease po.. Pa email naman po ng letter..
ReplyDeleteNasa article na po ang cancellation letter template
DeleteHi Po ask q po sana about Doon SA GPA Ng COCOLIFE. Ang Sabi po kz Ng agent at Ng manager na kumausap sa akin after 1 year daw po magbabayad na aq monthly. Aug 9 2018 po nung mag sign at Ng insurance na yon. OFW Po aq and Ang bank account Po na nka sign don is ung account q dto sa ibang bansa. Hnd q nmn Po habol ma refund Ang 2000 php na naibgay q, Ang worry q lng is if monthly (start next month) eh mabawasan Ang laman Ng bank account q. Salamat Po.
ReplyDeleteKung pumirma po kayo ng auto debit sigurado po yan babawasan kayo automatic kung kelan kayo magbabayad. Not sure if monthly yang 2000 sa GPA pero baka 6 months yan.
Deletehello po,
ReplyDeletegood day!
na member din po kami ng girlfriend ko nitong cocolife, taga cebu po ako. nasa sm cebu city din po sila nung time na yun..namamasyal lang kami sa mall.. actually po last year pa po nangyari samin 2017 po..possible pa po ba na mabalik sa amin yung na invest namin sa cocolife kahit ilang months na ang dumaan?
Kausapin niyo po ang cocolife kung ano makukuha niyo. I'm sure hindi na po yan full refund. Kausapin niyo regarding sa anong benefits kapag you want to terminate na
DeleteHi po ask ko lng po kung paano ipacancel ung cocolife insurance FSP po ung inoffer sakin then nakapagswipe po ng cc ko P6392.24 kahapon lang po ako nakapg sign sa kanila sa metropoint rotonda po and then bumalik din po ako agad para ipacancel o ipa void dun sa terminal nila then sabi po nila hindi dw pwede i void kailangan dw ng manager. Ngsent na po ako ng email for cancellation both dun sa email na binigay nila... Pa help po kung ano ung dapat kung gawin..
DeleteTawagan mo CC provider mo at mag file ka ng dispute of payment
Deletehello po!
ReplyDeleteAsk ko lng po kung pano po ung sitwasyon ko. Nung sunday po kasi, August 19,2018 umattend po ako ng sinasabi nilang orientation about cocolife sa SM San Lazaro and so on..tulad din po ng nangyari sa iba same action and procedure po na sinwipe ung bdo debit card ko and kinuhanan po ako ng 9,528.86. And then the next day po i filed for a cancellation letter at hintayin ko daw po ung 30-45 working days. Tanong ko lang po..kung talaga bang ibabalik ba nila ung pera? Sa mga nakaranas na po na naibalik na ung pera po nila totoo po ba na ibabalik?
Thank you and godbless po sa sasagot..
Yes po mga 30 days pa yan bago maibalik pera mo. Follow up kalang after 1 week ng pagka submit mo. Make sure may received copy ka ng cancellation letter mo na pirmado nila with date para proof mo na nagpa cancel ka within 15 days.
DeleteHi, i just want to ask kung may suggest sila sayu na reason for cancellation? Is it ok na sundin yung suggestion nila.? Kanina lang ako nabiktima nito and i plan to file cancellation tomorrow..
DeleteAlthough wala pa naman akong nalaman na nireject ang cancellation after maipasa at na received ng cocolife dahil sa salagay na reason, pwede naman siguro sundin. Ang pinapalagay lang naman nilang reason ay yung parang sasabihin mo na wala kang kang pera para e continue ang insurance mo, ang gusto lang kasi nila mangyari ay para hindi masira ang pangalan nila (selfish diba pagkatapos tayong lokohin iniisip pa nila sarili nila) anyway, my advice is also put the real reasons aside from the reasons na dinidikta nila, baka kasi mareject cancellation mo sabi kasi nila pinapa aprubahan pa daw yan.
DeleteGood day ma'am, pano po pag more than 15 days na yung nakalipas since ung transaction, is it possible pang may marefund sa initial payment
ReplyDeleteNot sure, pero try niyo. Kailan kaba nag subscribe at kelan mo na rceeirec policy mo?
DeleteHello po. I had experience just recently. Would it be better if I'll go directly to the head office and process my cancellation? I went to the branch and made me write the letter. I wasn't really convinced because they told me to write the reason "financial need". Please help me.
ReplyDeleteYou can insist to write your own and true reasons anyway and let them sign it. Yes you can go to HO, have your letter received but they might also advise you to go back to the branch. But at least you can attached the received letter from HO to your letter to the branch
DeleteHI! Can I assign/make an Authorization letter to assign someone to submit my letter of cancellation to the branch since I can't go there and I am worried na matapos ang 15 days. Nasa province kasi ako right now due to an emergency and I sign the contract at SM Manila just recently. Hope you can help me, cause I've been sending emails for 2 consecutive days and until now there is no reponse coming from them Thank YOu
ReplyDeleteYes, try to send someone there instead with your authorization. Much better pag personal kasi may kopya ka
DeleteHi anung documents po yung ipepresent para sa cancellation?? Yung binigay po sa akin CONFIRMATION at AUTHORIZATION TO CHARGE lang po.. Need help 22k yung naging initial payment ko.. Pahelp po i want to get my money back. Please... Wala kasi ako experience sa ganito parang nadala ako dun sa sales talk ng agent.
ReplyDeleteJust your cancellation letter. Yan ang important basta ma received nila. Photocopy mo mga docs na na received mo in case kukunin nila. Make sure to read the guide thoroughly
DeleteNung magreklamo ako ng parang ang laki naman, pwedi ba 5k..? Parang ini insist nila yung amount na gusto nila.. Parang denipendi nila sa laman ng account ko... Patulong namn guys.. Kanina lang ako nabiktima, kakasearch ko lang ngayun pag uwi ko ng bahay just to check kung tama ba ginawa ko and i was wrong.. Please patulong
ReplyDeleteOf course, pera mo yan gaano man kaliit pinaghirapan mo yan. Hindi pwede basta basta basta nalang nila kukunin. 5K malaki na yan
DeletePede ko pa bang icancel ang account ko with them? almost a year na ko with them.. I studied my policy on my own without the help of my agent i think ung 10k after 10 years na paghuhulog ko with them was not enough to satisfy my needs by that time sa panahon at sa mahal ng bilihin ngayon i dont see any significance for keeping this policy with them.
ReplyDeleteYou're right. Anyway you are the one who will decide on it if ititigil mo or hindi. For cancellation ng policy na sobra sa cooling off period, mas mabuti sa kanila ka makipag usap kung ano benefits pag ikansel, usually sasabihin nila wala kang makukuha ni kusing. Just try to open paano ang pag transfer ng insurance mo to other insurance company kasi pwede naman yan.
DeleteHi po panu po pgtga province pa ?pwede yan thru lbc ung files
ReplyDeletePwede naman. Pero mas mabuti parin personal kasi makukuha mo agad ang kopya mo.
DeleteThis comment has been removed by the author.
ReplyDeleteHi po. 2k po ang nakuha sakin. Minimun payment daw po good for 1 yr sya. Iba po yung agent kausap kong pumirma, iba din po ung nadatnan ko nung magpapacancel na ko. Paano po pag ayaw na ibalik ng agent yung pera? Non refundable na daw kasi nagtake effect na agad yung insurance the day I signed? Yun din daw po yung payment para mag start ng insurance sa kanila, which is parang hndi nman ganon ang usapan namin. Since nakikita ko naman po na kahit GPA lang eh narerefund din naman. Pls help po. Di namn po nag rereply sa emails ko yung HO saka laging busy yung cellphone nila. PEro nag email na ko and naka attach yung letter of cancellation ko. WHat if po pumunta ako sa branch na pinag sign up-an ko, magbigay man ako o hndi ng letter eh hndi nila ibabalik?? Kasi kahit anong pilit ko, NON REFUNDABLE daw yun. Pls help po sayang din kasi yung 2k
ReplyDeleteWag maniwala na nonrenon-refun ang GPA. Nakit nakapag refund kami?
Deletemam ask ko lng kung gaano katagal bago mabalik yung full refund thru credit card . Aug 1, po ako nagpasa sa knila ng cancellation ko . salamat po
ReplyDelete30 days days yan. Follow up mo nalang sa branch if meron na kasi 30 days na yung sayo
DeleteMam within 2 years nakong nghuhulog s cocolife ngaun kolang narealize na andami nilangbhinihinging extra charges feeling ko naloko tlg ako asar n asar ako halos diako mkatulog kkaisip 1932 monthly kong binbayarn s loob ng 2yrs at ngbayad ako around 7k nung una akong nabudol budol nila s SM fairview noon pa gustoko ngvicancel kaso sabiko bk mgnda din nmn sunlife kasi asw ko.ngaun ngppdla sila ng letter at tumatwag s kung anu anung paninngil nila.neestress lang ako dikonaba marerefund lhat ng binayad ko
ReplyDeletetalk to your agent or cocolife on what can you do with your insurance. You can transfer to other insurance provider and ask cocolife paano and ano ang makukuha mo sa nahulog mo
DeleteHello, would just like to ask if kailangan ba ng personal appearance to submit the cancellation letter? Or pwedeng ibang tao?
ReplyDeleteHi! Kakasign ko lang kanina s knima ng FSP. Ayako talaga nung una sabi ko ayako maglabas nga ng pera now tska pag isipan ko muna. Kaso ang kulit ni kuya. Ang tagal nya magdiscuss eh inaantay n ko ng ate ko na by the way dalawa kami inalok nung pa raffle nila tapos may insurance n worth 29k n ibbgay samin. Na enganyo kami s pa raffle pero ininvite pa kami s loob. Nung tinanung kung meron kami card kinausap n ko s loob. Ung ate ko naiwan s front desk nila chineck ung debit card nya. Na liitan ata s laman kaya ako lang kinausap kasi ako mag cc. Akala ko habang kinakausap ako s loob eh magdidiscuss din sila kay ate kaya sabi ko dapat pinagsabay nyo na kami discussan kasi may pupuntahan pa kami. Sabi ni kuya nagdidiscuss ndn daw kay ate, nalaman ko nung natapos n ko mag fill up hndi naman pala kinausap si ate. Ako nlng daw kausapin since magkapatid nman kami. Dun palang nagsinungaling n sila. Super mapilit talaga sila e mag isa lang din ako kausap. Daming echos. Gusto ko nlng makauwi kasi ang tagal ko n s loob. Ayun chinarge ako s cc ko ng 20k ipa installment ko nlng daw if hndi ko kaya ng full. Since hndi pa naman chinacharge talaga s cc ko un since 3 days pa db processing nun pwede kaya ipahold ko s cc provider ko ung singil nila para hndi nila ko macharge talaga. Also, hndi ko nbgay sss at tin ko s kanila hndi ko alam kung gano un kahalaga s pag gagawa nila ng policy nila pero sana hndi nila matuloy un kung hndi ko mabgay ung info ko n un. Ang bgat talaga kapag labag s loob mo. Gusto ko na agad kausapin cocolife at cc provider ko para malaman pero syempre bukas ko pa magawa. Badtrip talaga un. Tingin mo po b hndi un macocontinue if kulang info ko at if papayag ung cc ko na wag nila ibawas ung charge ni cocolife skin or pa hold ko muna dahil papacancel ko.thanks
ReplyDeleteContact your cc provider to dispute payment. Also file a cancellation sa COCOLIFE agad2 if ayaw mo ituloy.
DeleteHello po, kakaSign ko lang po kanina sept. 02 doon sm cebu cocolife then po parang feel ko rin po na scam ako then parang tinake advantage nila po na nagmamadali ako para lng ma hikayat ako. Gusto ko pong magpacancel. Ano po ba una kung gagawin. Mag sesend po ako ng cancellation letter sa kanino ko po i sesend then magrereply po ba sila agad. ?
ReplyDeleteDun ka sa branch mag send ng letter. 2 copies para sayo yung isa receiving copy mo. Follow the guide dito sa blog para handa ka sa gagawin mo.
DeleteNagpasa ako sa head office po ng cancellation letter kanina po then wala pmn sila nagreply. Katawag ko din yung agent ko at sinabi ko po na completely magpapacancel ako pagpunta ko ng cebu cocolife branch this thursday. Ang sabi nya sakin sir na hindi mn daw sya magsasign po iniinsist ko po na ipareceive sa kanya pati permahan nya ang cancellation form ko po, magusap muna daw kami. Talagang pinilit ko sir na ipapasign sir yung cancel form ang gusto muna talaga nya is kausapin muna ako personal. Alam ko po na i cocompremise nila nanamn ako na hindi mg cancel. Sure po ba talaga na marerefund po ang money sir? Nagtanong kasi ako sa may alam ng insurance. if daw investment xa full refund daw pero kung insurance hindi daw po sure.
Deleteyes sure na sure pwede ikansel yan. nabawi ko nga sa akin both FSP and GPA. If decided kanna magpapakansel go na, walang kuskus balungos na usap usap pa. Mga kawatan gyud na sila.
DeleteSir nakapag avail din po ako nung August 31, 2018. pinacancel ko po siya kasi ganun din po nangyari skin sa nangyari sa inyo. nkapagfile po ako ng letter of cancellation septeber 01, 2018. Makukuha ko po ba un ng full refund?
ReplyDeleteYes hintay kalang 30 days yan. Follow up ka sa head office nila or sa branch
DeleteSir Hindi po inexplain sa akin yung GPA ano po yun? At sinabing 8% interes daw po pero iba naman sa contract na natanggap ko. Kaya gusto ko na po ipacancel.
ReplyDeleteFSP po yung plan ko. 21k po binayad for 1 year po. Sayang naman po kung mawawala nlang yun. Aug 31. Po nung nagsign ako ng contract.
DeletePlease follow and read the guide carefully para handa ka sa mga sasabihin nila if magpapakansel ka talaga. go na.
Deletesir tanong ko lang po
ReplyDeletemagkakaltas ba ang cocolife everymonth sa atm ko?
pinapili nila ko bank to bank o cash
ang pinili ko po cash
tas ako po mismo nagwithdraw then binigay ko po saknila
para makaalis na
ayaw kasi nila ko paalisin kaya napilitan nalang ko
buti nalang mababa lang nakuha sken
(ako po mismo nagwithdraw ng pera
Deletetas binigay ko saknila ang pera )
Kung wala kang pinirmahang auto-debit at hindi mo binigay sa kanila card mo, wala naman silang ibabawas sa atm mo
DeleteHello po, kaka sign up ko lang this day sa COCOlife located sa SM Sucat then eto nag search ako tungkol dito. gusto ko sana ipa-cancel kasi nabasa ko na auto mababawasan yung laman ng debit card and feeling ko na na take advantage ako kasi at di ko inexpect na may babayaran pala kasi ang sabi sakin may raffle lang then ieexplain yung cocolife insurance. ang sabi rin sakin kahit hindi ko daw mahulugan every month. Wala paman din akong work so hindi ko mababayaran yun.
ReplyDeleteFollow the guide on how to make cancellation letter and submit it to the branch
Deletesir posible po ba magbawas yung laman ng atm ko
ReplyDeletekasi kakasign up ko lang po sa cocolife kahapon
di kona din po kasi napansin yung mga pinipirmahan ko dahil parang natutulala nako
basta po wala po akong binigay na account no. ,and other info ng atm ko
ang natatandaan ko lang may pinirmahan ako
May binibigaya ta sila na kopya ng papers na pinirmahan mo check mo nalang if nandun ang auto-debit form
DeleteGood day po!same expeience ..ngbigay naku ng cancellation letter..2 weeks na po wala pa rn pong feedback..anu po gagawin ko?
ReplyDeleteFollow up with Head Office nila thru clientrelations@cocolife.com
DeleteHi pwede po bang i-send nalang via email ung cancellation letter with signage sa branch office nila, and after 30-45 days how will I get my check, will it be mailed or I need to go to their office. Thanks!
DeleteNag email ako sa knila at nagreply nmn hiningi ung name at ung policy number ko kse nga i cancel ko na .. nag email uli ako at ni prangka ko sila n nbasa ko mga blogs pnarerefund ko nga ung 2k n ni swipe ko .. tsk imbis n ipasyal ko anak ko sa sm southmall nasayang lmg oras nmin sa pamuwersa at npuwersa din ako .. nkakadala n mga taong desperado .. makakasiguro kya akong mbabalik nila ung nkuha nilng pera khit sa email lng ako ng sabi????? Any one???
ReplyDeleteKapag pinakansel mo at may kopya ka ng cancellation letter na pinirmahan nila, for sure maibabalik sayo ang pera.
Deletegood am po. necessary po ba na sa branch kung saan ako nakafile magsaubmit ng cancellation letter? pwede po ba sa ibang branch ako magsend po na nearer po sa place namin?
DeleteNag email ako sa knila at nagreply nmn hiningi ung name at ung policy number ko kse nga i cancel ko na .. nag email uli ako at ni prangka ko sila n nbasa ko mga blogs pnarerefund ko nga ung 2k n ni swipe ko .. tsk imbis n ipasyal ko anak ko sa sm southmall nasayang lmg oras nmin sa pamuwersa at npuwersa din ako .. nkakadala n mga taong desperado .. makakasiguro kya akong mbabalik nila ung nkuha nilng pera khit sa email lng ako ng sabi????? Any one???
ReplyDeleteano po ang email address nila? at kung ilang days sila bago mag reply?
DeletePano pag puro sabi lang na may policy number na daw pero hanggang ngayon wala akong hawak na policy!! Sept 1 ako nag open sa metropoint pwde pa ba mairefund yun??
Deleteclientrelations@cocolife.com
DeleteYan email add ng Head Office
Good day po. I just sent my cancellation letter today in SM Manila. Ang processing time po nun normally ay 1-2 months? Is it always in check or there is bank to bank transactions? In claiming the check for refund, is the photocopy and cancellation letter needed? Or an ID would suffice? Medyo frustrating nga po magcancel dahil parang kasalanan ko pa. But that's my money so I kept saying I don't want their policy and I felt deceived. May sinasabi rin 'yung isang agent regarding the video taken in the signing, titingnan daw kung totoo 'yung reasons ko sa letter kung totoo. Are there instances that the cancellation is rejected? Paano po gagawin kapag ganun? Eh within 15 days pa naman ako. Ayaw ko talaga sa policy nila. I tried to compute it and look into the benefits that would be recived pero ang panget ng returns. They're not a scam but the policy really sucks and the agents... gah. I really hope that I would get my refund.
ReplyDeleteNot sure about the instances na na reject ang cancellation after nila pinirmahan. But as long as totoo ang sinabi mo you're good to go. Processing is 30-45 days. Pwede daw direct ilalagay sa bank account mo but in my case cheque siya kinuha ko sa branch, ID lang needed to claim.
DeleteHello po. Ask ko lang po if may chance pa pong macancel and marefund ang money ko, last june 2018 po ako nakapagsign sakanila. Di ko pa po nakukuha yung policy ko since i dont have the time na bumalik sa office nila. Since september na ngayon. Macacancel pa po ba yun and marerefund pa yung pera ko?
ReplyDeleteWala naman mawawala kaapag sinubukan mo. But our experience kasi within 15 days pa.
Deletebut still, i have the right to cancel my plan diba po? Kahit hindi na mabalik ang money ko. i just dont want to get involve anymore sa COCOLIFE.
DeleteHi! this just happened to earlier and I realized late what just happened to me because I was not in the proper state of mind when all the chaos happened in Coco life Robinsons Manila. I have not signed a contract yet and will be going back tomorrow to immediately cancel my FSP and GPA. They were so deceitful and forcing me subtly na nagpapaawa yung agent na hindi daw maccount yung points nung nag invite sakin sa office nila if I don't finish their orientation. I did so and I was already in a hurry because I needed to get home, they told me they were just going to verify if maapprove ako ng Land Bank cause my account was payroll. Little did I know it was already APPROVING OF TRANSFER OF FUNDS. Without me even signing a contract yet!!! I was so shocked but I had to leave because my mom was waiting for me already outside the Mall.
ReplyDeleteWhen you sent the letter to coco life, did you send it through email or a physical one to their office? I'm really concerned about this because I was already expressing my intentions to leave and I only went there because ang kulit nila and would not leave me alone and it wasn't just a little amount of my hard earned money. The fact that the agent knew how distressed I was she still pushed me around, she should not have forced me to the "verification" process while knowing I was not calm. It's so unfair that she took advantage of that fact and I'm so fooled.
If you can I hope you reply to my comment, I'm going back there tomorrow para walang pang 24 hours. I'm just nervous because I'm not a mataray person and afraid they can overpower me.
Thank you so much for your blog.
Hello, you need to send the letter to the branch and let them received it and sign it with date so that you have a proof that you went there and process the cancellation within the prescribed 15 days. Print 2 copies, one for them and one for you as receiving copy.
Deletesa branch po muna like sakin is sa Robinson Ermita
DeleteThis exact thing happened to me at SM San Lazaro. I will admit that I am interested to get a life insurance policy so they did know that I am interested. I have my credit card with me that time and they asked me when was the last time I used it. I find it really odd for them to ask that question. Anyway, so the exact same thing happened, like with everyone here, I got into a table with an agent. I am a financial advisor myself, just starting, but we don't do shit like this and we are required to give full disclosure on the charges and all the inclusions of the policy. I was never told of any charges and they just went on with their business of telling me the good parts. In my head I was comparing it to our product so I asked them if I can have a brochure or something to get me further information about what they are trying to sell. Sadly, they told me, "Ngayon lang kasi itong opportunity na ito, di ka na pwedeng bumalik" bullshit. If that question was asked to me, I'll give the client a brochure of all the products and explain everything in detail, also if a client wants more time to decide, we'll let them decide and not force them like this. We will try calling them to see if they have made up their minds but we didn't make any forced deals. They refused to give me any details regarding the policy and time to decide. I was super annoyed by these agents. One agent can't handle me so a "senior agent" went to seat with me on the table so they can do a double team on me. They urged me to sign in and kept asking me "kelan mo pa balak magipon kung di ngayon?". In the end... I gave in. After signing the documents they got me on video asking me if I got all the details of the policy and whether I have further questions. I just said yes. I was done arguing. It has been almost three hours non-stop I felt robbed of my time and I was so exhausted. It felt unfair especially the videoing which they will use against you if try to cancel your policy under the reason you weren't given full disclosure. Like hell an ordinary person would know what to ask. Their practice is shady as fuck and puts the financial advisor profession to shame. These kind of practices are the reason why people are less trusting of insurance companies and why our jobs gets really harder.
ReplyDeleteTnong ko lng po ngpasa n po kc aq ng letter of cancellation at subject dw po for approval. May nareceive po b kyo na txt from head office kung approve ung letter of cancellation? sbi kc magtetext dw sila. Tnx
ReplyDeleteI had mine 07/2016 and was told that after a year or so I can just withdraw my money. I came across this blog : since I contacted them and I was told this :
ReplyDeleteWe are saddened of your decision to cancel your policy but we regret to inform you that we can no longer refund the amount that you have paid as there is no cash surrender value. This is approved by no less than the Insurance Commission for the simple reason that the company had already been exposed to risk during the effectivity of the policy, starting from the issue date. Sadly, you will only lose what you have already gained.
We strongly suggest that it would be in your best interest to continue your policy and keep it in force as we would like you to enjoy the features and benefits as well as the protection and peace of mind it provides you especially these turbulent times.
Seriously? good bye 20K ? My bad as I was not paying attention . So now what to I do? I guess I just lost my hard earned money. I was told after a year or so I can withdraw my money.
Omg! Excited ako pumunta kanina kc papacancel ko din yung policy ko. Sa sm north naman sakin last august 16, 2018. Past 15 day cooling off period which is Im not aware. Sabi ko sa nasa reception area(not sure if agent sya, parang visor ata) Im not aware po sa 15 day cooling off period. Sagot nya yun daw policy lahat ng insurance. Sabi ko nlng ay ganun? Pero di ako makatulog, hahaha. 28k din kasi yun. Pinagipunan ko din. Haist. Sana may possibility pa matefund yun. Hmm..
ReplyDeletePilitin mo ang agent. Or bring them to insurance commission if they will not allow to refund.
DeleteHi ask ko lng po san po muna dpat pumunta sa HO o sa branch po pra sa cancellation ng plan? Please advise salamat po!
ReplyDeleteDirect sa brsnch pwede.
DeleteHello po Sino taga Cebu n dito pahelp Naman po napapirma din po nila ako kanina Lang please help poo...Di po ako nagaling sumagot and mahiyain po ako..please help poo..
ReplyDeletePlease read carefully the article. It's all you need. We can't speak for yourself. You can do it.
DeletePwede ko ba icancel GPA ko kahit 4K lang po? Bumalik ako kahapon, ang sinabi sa akin, pwede ko lang daw gawin is STOP auto debit. within 15 days cooling period pa po ako.. Pwede ba ako dretsong magsend ng email sa cocolife or pumunta sa main branch kasi ayaw papatalo yung agent ko, andami rason para di ko siya macancel.
ReplyDeleteOf course! Nasa sayo na yun kung kanino ka maniniwala. Sa nanloko sayo o sa amin. Basta we can prove to you we were able to refund FSP and GPA.
Deletekakakuha ko lang today . at gusto ko na magrefund kase sa totoo lang tumanggi ako at nagagahol na ko sa oras. from 11 to 3pm kami naguusap may pupuntahan pa ko at same na same tayo ng nangyare. kinaklaro ko pa na paano pag d ako naapprove at makakaltasan lang ako if nalaman ko naapprove na pero walang ganon na nangyre. sa nagost nito o blog salamat. gusto ko po malaman ano yun CC. haaays 1 week nalang pasampa na ko . kakayanin ba to ng email email lang nakakastress. haaays
ReplyDeleteCC means credit card.
DeleteKakakuha ko lang last October 7, 2018, nabigla na lang din ako sa mga nangyari, ni pagamit ng phone ayaw nila kasi may cctv daw at baka pagalitan sila pero yung ibang agent naman nila nag-phone. Madaling madali na ako dahil may lakad ako pero ayaw nila ako tantanan so nagdecide akong sumama pero it takes 1hr. bago sila matapos mag sales talk. Credit card pa naman gamit ko, panong process po ba dapat kong gawin? Mas maganda po bang pumunta na ako sa Main Branch or kailangan ko po ba pumunta talaga sa branch nila kaya lang baka matagalan ako at pahirapan akong icancel to. Thank you po sa advice.
ReplyDeleteRead carefully the article. It's all you need to know para maging ready ka when you go there. Mas OK drekta sa branch for cancellation.
DeletePa-help din po ako, October 8 po ako na-alok ng Cocolofe, and ngayon ko lang nabasa yung blog, I want to cancel my insurance too. mejo naguguluhan po ako sa FSP and GPA para dun sa letter na gagawin ko pinagbayad po nila ako ng annual. Need your help. This blog is really beneficial.. Thank you
ReplyDeleteFSP and GPA are both different products of COCOLIFE. If nag avail ka ng dalawa may papel na binibigay sila dyan both
DeleteHi! Last may 2017 pa kumuha ang husband ko sa cocolife. Like what you've said, sa SM din siya kumuha dto sa cavite. Nagaabtoad ang husband ko at nung umuwi siya to check sa office ang insurance niya. Closed na ito. Lumipat daw ng ibang SM branch. I am worrying kasi lahat ng payments namin walang dumadating na receipts from cocolife mula sa umpisa. Ang hawak lang namin na receipts ay from mga bayad center. Pwede po pa kaya macancel or marefund ang ibinayad ng husband ko? Nacompare ko lang kasi may insurance din ako pero every transaction may natatanggap ako receipt through email and mail. Sa cocolife kahit isa wala po talaga. Paano po kaya ang pwede naming gawin? Please help po. Thank you so much.
ReplyDeleteNot sure if makukuha niyo pa ng buo. Try to talk to COCOLIFE.
Deleteako din po nabiktima ako kahapon sa may sm cebu, din i decided about reading reviews about cocolife today and i read your vlog,so agad agad gawa ako ng letter and ipapasa ko to tomorrow sa branch nila,i hope i can get my full refund,26k din yn nakuha nila...
ReplyDeleteKumusta? Were you able to get refund?
DeleteOh! My god!!! I was also a victim of cocolife..! !What to do??? Plz help me?? ?
ReplyDeleteLast week october 17 same experience po sa my metro point pasay...po...kaya pala sabe nila bawal mag phone while ur in orentation...
save ko pag isipan ko muna...sabe nila..kung gusto ko mag ipon why not now daw??gusto ko lumabas pero napasaubo na aq...may pinakita pa cla skin...na nag pa member sa kanila na beauty queen at kung cno pa un....malaki din ung pera kong naibigay sa kanila...20k plus din un...d kc aq familiar sa cocolife...so i was atrack by der offer plus sa pinakita pa nila na member, din nasa loob pa cla ng mall so i didnt mind if d r scum....kindly help me po?i want my money back,,,pinag hirapan ko un...pano po ba mag concel?passible po ba na kahit d na po a pupunta sa office nila paalis na po kc aq pa pupuntang ibang bansa??
Try to send it thru LBC or other courier.
DeleteShit. Scam pala yun sir ? Please help me naman po kaka sign ko lang po kahapon. Buti nakapag search ako. Yung sa format nyo po FSP lang po yung binayadan ko. Ask ko lang po yung GPA? Please Help Im 21 years old palang po.
ReplyDeleteSame lang yan meron din for GPA. Or palitan mo lang ang FSP to GPA whatebwh and in avail mo
DeleteAKO PO KAHAPON LNG NLA NABIKTIMA BALAK KO MAGSUBMIT NG LETTER BUKAS SA MAIN OFFICE NLA SA MAKATI SINO PO PEDE MAKASAMA?
DeleteHi pOh,.posible poh bang marefund koh pa ung pera koh?ofw kc ako,.more than 1year na after ako mkpirma sa knLa,.35k+ poh uNg gnastos koh sa knla .im hoping na marerefund koh pa un sa knla,.sana poh mtulungan niu niu ako,.ðŸ˜ðŸ˜
ReplyDelete