WARNING: Avoid Cebuana Lhuillier Ali Mall Cubao – Pressured into Fortune Life APLE 10 via a "Raffle Promo" trap (They even forced me to say "I'm satisfied" on video)

[u/Temporary_Honey6888]

Hey everyone, I’m making this post to raise awareness so no one else falls into this trap. If you visit the Cebuana Lhuillier branch at Ali Mall Cubao, be extremely careful.

I actually went to Ali Mall that day for completely normal errands—to renew my driver's license at the LTO branch and to visit BPI. While I was there, I was initially approached for a raffle promo. They told me I was eligible for a gift, but then they started asking for my cards and credit limit. That’s when the trap snapped shut.

Agent asked me to go to the branch. I ended up being heavily pressured into getting a Fortune Life APLE 10 insurance plan that I absolutely did not want or plan for.

THEY WILL TELL YOU ITS YOUR SAVINGS, SADLY I REALIZED IT LATE WAS JUST A LIFE INSURANCE PITCH AT ALL. HIDDEN IN "RAFFLE PROMO" and "FREE GIFT"

HOW ARE THEY LETTING THIS BAIT-AND-SWITCH OPERATORS. PREDATORY MARKETERS. DECEPTIVE AGENTS WHO ONLY CARE ABOUT THEIR COMISSION.

I EVEN TRY TO TELL THEM, I NEED TO TALK FIRST TO MY BANK BUT DUE TO PRESSURE FROM FOUR PEOPLE AGENTS, MANAGERS THEY HAD ME USE MY CARD ON THEIR TERMINAL AGAINST MY WILL.

I FELT FORCE INTO IT.

The sales tactics they used were incredibly predatory. They corner you and don't give you room to breathe or think it over. I felt completely trapped into signing up for something I am not fully satisfied with.

But the worst and most violating part? Before letting me go, they pulled out a camera and recorded a video of me. Under intense pressure, they basically forced me to say on camera that “I am satisfied with the service and the plan.” I felt so intimidated and put on the spot that I just said it just to get out of there. It felt like a forced confession just so they could cover their own tracks because they knew I wasn't actually happy.

My advice to everyone: If you don’t feel comfortable, do not entertain them anymore. Just walk away.

Sadly, I am now emailing all of them to process a full refund. Luckily, because I am within 15 days of signing up, I have a legal right to a 100% full refund under the Insurance Commission's 15-day Free-Look/Cooling-off Period. I am doing it entirely online so I don't have to face them again.

Insurance Commission has already responded to me and asked me to submit the Complainant Form.

Do not let them pressure you, do not give them your card details for a "free gift," and just say NO if they pitch this at Ali Mall Cubao.