"Well it's not really good the last time we sent .. my beneficiary had a hard time to withdraw the money as the reference # was not indicated in her mobile coz it was only verbally dictated over the phone, 2nd was one of her ID just expired and 3rd Luillier doesn't have enough fund for just 20thousand plus. So she travelled to Manila from bulacan presuming she could withdraw the money but it ended failure again.We insisted to send thru BDO as only walking distance away from my house but the person who accepted my remittance said he unable to send as bank was closed at that time in Pinas. "