I sent money but visa had problem, transaction decline and my money was put on hold. I call my bank to ask help. My bank asked me to ask Kabayan to send them a letter through fax to confirm kabayan intending not to collect the money that was been declined. I got emergency in th Philippines. For 1 week and even until now, the compliance team of kabayan continously ignored me and did not do anything to communicate with my bank but keep on defending their side. If you use kabayan and you had a problem, keep in mind they will not help you. I am now reporting this company to FCA and ombudsman if they're a member.