I am using Kabayan remit for a couple of years .. It's been good initially but last month I tranfered money because of emergency but unfortunately the amount never received by the benifiary and when I verified from them the transaction was being pending for a couple of weeks without sending me any notification. The transaction was amended due to an error and after a week the amount still never credited to my bank account in the Philippines. I've called them several times and the PNB bank as well which given me a massive hassle and spending international calls and the issue would never been resolve until now. Finally they considered to refund in condition of 14 days maximum to get my money back to my UK account only to refund the principal amount but the £6.99 charged won't be consider. I insisted that they should pay me back the full amount they taken out from my account or they should compensate me instead but as of now the amount is almost 2 months with them and have not yet refunded. This is my nightmare doing business with Kabayan.