binawi ko binayad ko sa pacific!

**boydapa** · July 4th, 2005 04:02 PM

since na mention na yun mga pre need na yan. nun isang linggo lng pala binawi ko na mga binayad ko sa pacific. ganun ba talaga 40% lng mababawi ko eh nakaka 4yrs nako out of 5yrs eh.. grabe ang laki ng binawas nila.

magkano ba sa ibang companies kng gusto mo bawiin.

nawalan na tlga ako ng tiwala sa pre need na yan kaya binawi ko na

at di na ako muli kukuha pa...

...magpakailanman...

... hindi magbabago ang sinisigaw....

grabe ang labo ng status nila, lahat yata ng motion nila to rehabilitate or wat rejected. tpos yun inincorporate nilang company na lifetime w/c is pacific naman tlaga deemed illegal yun incorporation---of cors wat wil you expect eh halata naman yun style nila! para di madamay palitan ng pangalan at i transfer yun ibang resources ...

tama ba yun naging decision ko or not(na bawiin yun binayad)???

tannx

**johnart** · July 4th, 2005 04:07 PM

ganyan talaga nandated by S.E.C. (securities and exchange commission) the best is just continue the plan. pacific looks stable enough

**Innova_Boy** · July 4th, 2005 04:09 PM

for me ang CAP ng 2 kids ko.. I just will wait for further developments..

Besides maybe after 10 years ko pa kelangan para sa college ng bata..

Hoping by that time, eh medyo ayos na ang CAP..

Just keep crossing your fingers for the beter..

**creepy** · July 4th, 2005 04:09 PM

how much have you actually paid in and how much did you actually get out?

**CLAVEL3699** · July 4th, 2005 04:20 PM

oo nga paano mo pa nabawi

buti ako hindi ko natuloy.

**baiskee** · July 4th, 2005 04:22 PM

Originally Posted by johnart

ganyan talaga nandated by S.E.C. (securities and exchange commission) the best is just continue the plan. pacific looks stable enough

agree...pero kakanerbiyos pa rin kung may lumalabas na ganyang balita.

buti na lang yung manulife and sunlife ko maganda itinatakbo.
(fingers crossed)

**mazdamazda** · July 4th, 2005 04:34 PM

Originally Posted by CLAVEL3699

oo nga paano mo pa nabawi

buti ako hindi ko natuloy.

lahat ng preneed plan (whether pension, life or educ) pwedeng bawiin ang payment... yun nga lang a certain % lang ang makukuha mo... naka state yan sa likod ng contract.

boydapa kung 4 out of 5 ka na... sayang... konti na lang... and as what i've stated... yung open-ended educ plans lang ang may problema sa kanila. yung pension nila walang problem. the company stated that they will treat their other preneed plans as usual.

pacific is actually offering a good compensation for the planholders... they'll pay a certain cash equivalent for those with open-ended plans... the computation is roughly around 15% interest per year, compounded (which is a good deal btw) of the total amount paid. problem is that the planholders did not agree with this (though you can't blame them since they have a signed contract).

**baiskee** · July 4th, 2005 04:41 PM

yep...sayang nga.

kung sa limang taon eh nakabuo ka na ng 4, bakit di mo pa ituloy...isang taon na lang.

**1D4LV** · July 4th, 2005 05:19 PM

Originally Posted by baiskee

agree...pero kakanerbiyos pa rin kung may lumalabas na ganyang balita.

buti na lang yung manulife and sunlife ko maganda itinatakbo.
(fingers crossed)

bro, ano kinuha mo dito? mutual funds? kung fixed plans naman kasi, guaranteed proceeds yun.

based on what mazda2 says, yes, that is right. it's called the cash value of the policy.

**boydapa** · July 4th, 2005 05:32 PM

maliit lng naman yun naibigay ko na mga 22k plang so 8.9k yun nabawi ko lng
pero sayang din yun pang sound set up ko sana yun iba kng nabawi ko lahat

actually feeling ko mali na binawi ko gzto ko nga sana bayaran muna lahat
tpos wait for the offer ng pacific kng paano babayaran sakin..

madami ksi nag pull out eh.. so masaya ang pacific dahil mababawasan sila ng obligations in the furure..

feeling ko ako talo eh at masaya sila yuchengco

makulit ksi mother ko eh pinapabawi so yun...