I never have problem when sending money to my family in the Philippines. Kabayan staff are all very approachable and always willing to help. They are very professional when dealing with their customer. I highly recommend KABAYAN REMIT. if you want to send money to your love ones better use their service and for sure your family will get them immediately and KABAYAN REMIT will send you a message asap to say Thank You for using their service and definitely will also send you a message that the money you send to your family has already been transfered in their account. More power to all KABAYAN REMIT staff.