Ive been with kabayan for nearly 10 years now.I been sending money regularly every month or maybe twice a month.The most bad experience that i have with them is a very recent and it was happened 3 times.The last one is just this 20th of August I'm having Holliday here in the Philippines.I have sent my money to my parents acct that i always used every month.My money didn’t arrive for two days till now.I have try to contact their Kabayan Philippines contact number sadly for whole day nobody answered useless.I been in the bank 3 times no money at all.I have talked on the online costumer service and they told me the money is already ready on my parents account and we went again in the bank and its totally tiring my money hasn’t arrived.As soon il be back in UK I'm leaving this useless remittance company its totally not worth it.Its been 3 days now I don’t have money left in my pocket because of them.I have even send them my widrawal receipt from BPI