Negative experience with the AXA flexi protect direct insurance via Metrobank Philippines

Here is my feedback about my experience with AXA flexi protect direct insurance (Metrobank called me about this offer probably because they call all Metrobank Gold MasterCard holders):
1) Fishy method of inviting Metrobank credit card holders: Since I normally ignore unknown numbers on my mobile phone (a person can send a prior text message or explaining the need for the call after I missed it), they kept on calling the office phone for days instead.
2) Efficient application – no need for signature and documents. My voice was enough to validate the entire process. Of course, they have to do their best to attract more customers.
3) Fast charging to your credit card, but very late delivery of the policy.
I would have understood if they happened almost at the same time, but it didn’t happen that way. I was billed in the cut off just a week after the phone call, but the policy did not arrive. Because of this, three weeks after the phone call (or two weeks after they charged on my credit card), I decided to send them a message (through my Metrobank Direct account) asking to have my insurance cancelled instead. The policy arrived (at last!) just days after I sent my request to terminate my insurance.
4) Almost no barrier to entry (as stated above)… but there are a lot of barriers to exit. After a lot of follow-up e-mails (I have the impression that not immediately responding to e-mails and not forwarding it to the right person immediately is a delaying tactic), I eventually received a response:

Dear Mr. De Guzman:

Thank you for your email.

We wish to inform you that for us to process your request for the cancellation of AXA Insurance, a signed letter of request is requirement.  You may send the accomplished signed letter as an attachment to your email or fax it at AXA fax number 844 2317.

Moreover, please note that cancellation process takes 30 days from the date of receipt of the signed letter.

Please note that we are replying with a coded format.  This initiative aims to provide information security and protection to our customers.
We highly encourage you to indicate only the nature of your concern in the email subject and the last 10 digits of your card number in the body of your email when sending emails from Metrobank Card.

Should you have questions or require further assistance, please email us.  You may also call our 24-Hour Customer Service Hotline 8700 700, our domestic toll free number 1800 1888 5775 or our international toll free number international access code +800 8700 0707.

This case is recorded under CIMS issue number  4278420 .

Very truly yours,

Boots S. Lopez
Customer Service
Metrobank Card Corporation
A joint venture of Metrobank and ANZ
(A Finance Company) [MCC]
Mailing Address:
The MCC Center
6778 Ayala Avenue, Makati City

– inefficiency #1: I have to send a signed letter now, even if it was not necessary during the application
– inefficiency #2: 30 days to process a cancellation (so that I will reach another billing cycle and they can collect a premium for another month)
I replied to that e-mail with the following and did not get a response even after three follow up messages:
Hi,1) Cecille Grimaldo talked to me over the phone last March 30 and I was charged as early as the April 9 cut off. If  the processing is that fast, I do not agree with the condition that 30 days should be given as an allowance to reverse the process.2) I agreed to the offer over the phone without having to send a document (a signed document even), and I hope that the same efficiency will be offered during the cancellation.

3) I agreed to have this insurance while assuming that I would receive the policy first before I am being charged. However, it was delivered only after I requested to have the insurance cancelled.

Again, I would like my e-mail to serve as a formal request for the cancellation of the insurance.

Because of my bad experience with this AXA-Metrobank insurance, I would not recommend it to others. I am taking this as a potential sign of more unfair practices and inefficient claiming process.

Une annonce


Il est évident qu’il n’a pas de nouvelles ici dans ce site pendant très longtemps, mais les chasseuses qui n’ont rien à faire se distraient en suivant ma vie intéressante.

Malheureusement, on sait bien que je suis toujours très occupé avec mon travail, mes études, et ma famille… et je n’ai pas le temps de m’inqièter des choses qui ne sont pas importantes du tout. Je ne veux pas perdre mon temps à essayer d’expliquer la situation à une personne qui décide de ne pas la comprendre: Je n’étais jamais intéressé, alors ne supposez pas le contraire.

J’ai les standards que les désagréables ne peuvent jamais atteindre. Ne vous attendez pas à une amitié si vous ne savez pas la vraie définition du mot « respect ».

En bref : Oubliez-moi et laissez-moi tranquille. Vous comprenez bien ?



After some years in the professional world with people who claim that they are fluent in English, here are the top irritants that I encounter at work (and yes, even from the managers):

1) As per

Instead of using: according to, as stated in, in accordance with
Example: As per your request (As you requested)

Nobody uses this in casual conversation nowadays!

2) Irregardless

Instead of using: regardless, irrespective

Ir + less = double negation. Self-explanatory

Passed the Ateneo MBA entrance exam


and ranked 9th in the Ateneo MBA entrance exam despite the overtime work the previous night, the lack of sleep, waking up late, no breakfast, and no preparation.

I am good at Math BUT not under time pressure. On the bright side, I finished ahead of time in the reading comprehension, inference, deductive reasoning, inductive reasoning. In the word analogy exam, I encountered the word « fluvial », which is supposed to be tricky, but I definitely know that la fleuve is just river in French. hah!

Someone (from a blue school) asked if my ego is now bloated. I simply said: « No, my ego is as flat as the world ». Who said LaSallians cannot excel in Ateneo? One big fight!



A song that you once thought you would forever long kept playing in your head, even with the play button unpressed. A flashback in the middle of pitch black used to play that track whenever moods attacked. Ticking like a clock, with hands not getting tired.

Until the infatuation reached saturation. Like a memorized poem recited in the room. Or the finest chocolate, but consumed until eight. The melody once harmonious has notes now monotonous. Moving like a machine, full of rust within.

The person – or at least the idea – is fading.



I received business textbooks from a classmate in the French class who recently finished her MBA (for Middle Managers, the exact program that I am targeting).

Business textbooks:
– An Introduction to Strategic Management Concepts and Cases 11th Edition – Fred R David
– Business Ethics Concepts and Cases 5th Edition – Manuel G. Velasquez
– General Principles in Operations Management – Jay Heizer & Barry Render
– Fundamentals of Financial Management 10th Edition – Eugene F. Brigham, Joel F. Houston
– Applied Management Science and Spreadsheet Modelling – Francis J. Clauss
– Heroic Leadership – Chris Lowney
– Marketing Management 11th Edition – Philip Kotler
– Managerial Accounting 4th Edition – Ronald W. Hilton

After several days, I received a message from one of the (terror?) teachers in Alliance Française, offering his French language textbooks:

Steven, do you want more reference books in French? I have books that I don’t use anymore but are in very good condition. They’re reference materials I bought in France pa. I thought of you first. I’m not selling them. I’d give them to you for free.

– Le Bon Usage 13th edition – André Goosse (This is THE Bible of the French grammar)
– Dictionnaire de l’argot français et de ses origines – Jean-Paul Colin, Jean-Pierre Mével, and Christian Leclère
– Larousse Dictionnaire des Difficultés de la langue Française – A.V. Thomas
– Larousse Dictionnaire des Synonymes – E. Genouvrier
– Richesse du Vocabulaire – Jeannine Bochard-Fièvez/Jean Delahaut
– Business French Glossary (English-French French-English) – Peter Collin Publishing
– Le Dico du français qui se cause – Pierre Merle

Me: Bonjour ! Merci de m’avoir donné gratuitement tous ces livres en très bon état malgré etant acheté en France il y a longtemps. Les mots sans fin ne sont pas assez pour exprimer ma gratitude ! Les choses dont quelqu’un n’a plus besoin, c’est sans aucun doute le trésor de quelqu’un d’autre ! J’étais toujours volontaire pour recevoir le bienfait hehe

Prof: Je n’ai jamais dit qu’ils sont gratuits. Tu m’invites à dîner dans un resto japonais super cher. =) (Je blague, bien sûr.)

J’va penser à moi maintenant


J’va penser à moi maintenant
Dany Bédar

Il s’est perdu le grand amour
Il s’est enfuit pour toujours
Peu importe c’est pour quand
Faut pas le vivre trop souvent
J’va penser à moi maintenant

Il se cache peut-être dans un bar
Ou dans un nuage de brouillard
Ça peut être troublant
Quand ça fait trop longtemps
J’va penser à moi maintenant

Il est le reflet du miroir
Pour ceux qui veulent bien y croire
J’me regarde pas trop souvent
J’ai surtout pas beaucoup de temps
J’va penser à moi maintenant

Il peut fondre quelquefois
Y a tellement d’hommes qui se noient
Trop d’alcool dans le sang
Et ces matins pesants
J’va penser à moi maintenant

Il change de nom quand il repart
Et il disparait dans le noir
Moé j’ai eu trente ans
J’fais parti des grands
J’va penser à moi maintenant

Je lui écris une autre chanson
Au grand amour et son frisson
Une chose en terminant
J’pisserai pu contre le vent
J’va penser à moi maintenant

Un dernier tour de chant
Si c’est ça moi, je me rends
J’va penser à moi, j’va penser à moi
J’va penser à moi maintenant