Beth, YM Leong

2 years ago both my sister and myself bought the Manuallife 2 years endowment. My sister bought it from a representative while i bought from POSB. Recently my sister's endowment has matured. Due to an error made by the RM of POSB my policy didnt state the method of payment and Manuallife issued a cheque. I have to call their support team to get it converted to paynow

Due to this incidence, I login Manuallife client portal using Singpass for my sister's policy. The payout method stated as Paynow. I regret that I didnt photo this page as evidence not knowing that Manuallife will ignored this even when payout method was selected

Its only today on 1Oct (my sister's policy matured on 25Sept2025) that it was via cheque (this was communicated to me by Manuallife representative)

This is deeply disappointing and hugely frustrating and annoyingly idiotic. I am now asking that Manuallife do an investigation into my sister's policy payout method whether any changes have been made or just that Manuallife decided to use their default payout method regardless of option customer selected?

I have a few questions to ask Manuallife
1) Are there so many customers whose policy were maturing within the same 1month period such that customer support cant be formed to call customers and to confirm the payout method?

2) How did the payout method got changed from paynow to cheque when policy holder didnt changed it (with no photo prove its difficult to prove a negative, but i checked 3x and my sister was also made aware and both of us were looking at the screen to confirm that for her, its paynow as stated)

3) SG government has stopped the issuance of cheques by end of 2025 but Manuallife dont even bothered to spent time to call customers and confirmed that they needed a cheque payout instead of changing to paynow especially for customers that didnt select ANY payout method (like my policy, there was no payout method selected)

How did Manuallife come to a conclusion that its doing the customer a favor by making a 64 years old to goto bank to bank in a cheque that will take another 3 days to receive the funds and upto 7 days to receive the cheque for a total of 10 days delay.

This incidence was so disappointing that both myself and my sister decided that Manuallife rather let AI/bots take over customer care, for they dont!

i wanted to check out FPG n chatted online. I realised that they cant accept customers from my country and didnt register, A few weeks later I started to get newsletter etc from FPG. I tried to chat online to ask that they delete my email since i am not even a customer. Nothing was done. The support staff suggested i wrote in to support to ask that my email be removed.

So I am not registered as a customer only chatted whereby i need to enter my email, and yet I have to write email to support to take out my email?

This is the 2nd or 3rd time i chatted with FPG support to ask that they delete my email. I will not write an email, just to ask that they delete my email when i am not even registered

They violated privacy policy of sending an email to a non registered person. I have since block and set to delete mails from FPG. It seems FPG rather their emails goto spam than do the necessary task of deleting my email from their marketing etc database

More than 10 parcels just simply place outside door when i set instructions to ring bell. Once a delivery staff rings the bell after placing parcel outside and just walk off! Literally "ring the bell". Feedback that NJK manager train the drivers as well as start a bonus point system whereby marks are deducted for such attitude and the driver will not get the commission for that parcel if reported by customer

NJV is smart, do it many times till customers gave up then customer stops complaining, they managed a great stats since "no" complaints, Smart!

I have taken to write to site that used them to complain and feedback not to use their services. I dont mind paying a bit more for proper delivery that wont raise my blood pressure

BTW its not just 5-6x, its been over 4-5 years same attitude. NJV customer support will also call next day which actually works to irriate and annoyed me

Overall GoMarkets support team is helpful, patient and knowledgeable with their services. Would have been better if GoMarkets include pdf for all assets that they carry with asset specs (minimum lot, maximum lot, base currency of asset, asset class, max leverage available etc) (not necessary spreads as this can be seen from their site)

They are the ONLY brokerage i came across that has fair spreads, and ZERO commissions on Gold (they just announce it this month). Across most major indices FTSE100, ASX200, DAX40, WS30, NDX100, the maximum leverage is 500 and maximum lotsize 500. Never seen in most ECN base brokerage, especially in Ctrader platform.

They also have cash rebate credited into clients accounts with a minimum of $10M USD base on closed trades only. If i could reached in future this rebate is definitely above most IB's rebate. Starting at 10% for minimum $10M USD closed trades for a calendar month

I just requested a credit card withdrawal 5 mins ago as of this survey so will rate them again on promptness and speed to process and pay me since its now within their processing time/date

Looking forward to being their client for a longer term

Notes:
=====
*ASX200=Aussie 200
FTSE100=UK 100
NDX100=US Tech 100
WS30=WallStreet 30
DAX40=Germany 40

Clarina has been a great support officer who answers my queries in professional manner, easy to understand her explanation and very helpful to even give me the specs for leverages across instruments.

I made an order and i press the back button to check again. I selected 6pm to 615pm but once i press backward key, its defaulted to 15-30mins. As such i quickly cancelled the order within 3mins of ordering. Whatever i wrote, FP deem that they are bigger than customers that they try to court and refused to refund me the $27 that was deducted and insists that its their policy. So much for being customer for so many years and making just this ONE mistake

I am not going back to FP except to utilize the 70cts balance on my pandapay. FP also wont refund to my credit card for any eligible refunds despite i didnt chose to get refunded to pandapay. They will default that and such that you will be forced to order food or whatever to use up the balance.

If FP felt that its ok to lose a long term customer, I feel the same that its ok to ask that EVERYBODY skip FP

Many years ago, i was very unhappy that ICMarkets made some major changes that was not communicated with customers. The support manager called me n we ironed out a lot of issues n it has been smooth sailing since.

This morning suddenly without any warning and any announcement to my email, ICMarkets stopped copy trading services for ctrader (by spotware) and chat support was not able to give me any idea of how long they intend to stop the copying services n even whether this will become permanent

Its very sad n disappointing as I have been ICMarkets customer for more than 10years. I loved their spreads and execution speeds not so much their customer services. But it has been ironed out some years ago now to resurfaced

I am now left without a choice but to go look for another reliable brokerage. I still love ICMarkets, just not the way they handle the major communications. To note that i have 3 subscribed accounts and I have a total profit of about 500 USD.

ICMarkets please get your biz together and help customer to stay with you!

Beautiful functional website. I was on chat for FOUR hours and there is NO SUPPORT whatsoever. The AI chat, kept bouncing me back n forth and I had to enter my name like total of 6-8x. I dont know when or if support is working and there is no such info on sites as to their support hours. This is very concerning if they are ready to accept international clients, they should expect and be ready to support those that dont live in their country.

Fiper offer Fiper ETF which i find interesting and interested. There is NO published results of this ETF though there are some details about their ETF. Its very hard to try to invest with a company that has no support and no published results for a managed account that they offer.

Guess I will now get a reply from them after they decided to answer. Whether they will take the feedback to improve to understand that investors wont invest in just words, they needed proof via a statement at least of their ETF offer. Not providing this is a huge red flag for me

I am yet their customer, 1star for functional website (i dont see email for support) and 1star for fact that i am yet a customer thus I should at least give them a chance for a response
=======================
Thanks for reply and publishing the support hours which was unavailable in fiber website

Verified results are great just that its base on your reply. I would like to have such statements published on website. There is nothing to hide if Fiber wished to attract investors. I am quite sure I dont and wont invest in something whereby results are "verified" on air only

Until this is made available i am not a fan of fiber and still wont invest

i ordered a windows 2019 vps server today 19Jan2024 from this company as it has some good reviews at lowend site. I was billed for 1.5mths as their billing always start on 1st of the next mth, that is, ordered on 19Jan bill from 19Jan to 31Jan, then 1st Feb to 29th 2024 inclusive.
I could not login to the vps following the IP address and username given in the email. To make this clear, I had and is using vps services from other providers without much issues since 2012.

I even sent the email given to me with vps details, username etc to my friend in USA to try (he was the one that guided me on how to connect using RDP since 2012 and I am now self independent). I reached out to him as I felt he might be more of an expert, Even he cant connect to it
I was given virtualizor (client area) that i could managed my vps to start/stop/shutdown/restart. I tried start as well as restart. Then connect using those credentials given, still no luck

Finally i decided to cancel the services since the staff was pretty much just the manager managing the company. I was told no refunds and that i can cancel the services myself. It took me another 20-30mins to try to navigate the site to find how to cancel the ongoing billing via my credit card and finally managed to submit the cancellation request

I appreciate that the manager is having to manage so many clients and provide a great service with low cost. I was not able to access the services and his reply was that I will not get a refund when its less than even 24hours after i ordered the vps

I am really disappointed that the services turned out this way. (BTW I will be charged $80euros for any other tech services). I sent ticket to ask for help and that tech help to at least check whether i have entered the correct credentials on the RDP thats used to connect to the vps and nothing was done

I will be charged the $18.50+USD for 1.5 mths of services that i cant use. To avoid having to continuous pay for services that i cant access, I had submitted cancellation and I hoped it will be honored and I wont get charged again somewhere in Feb for Mar.

I really wont and cant recommend their services given how it was for myself. I deem myself capable and independent to manage a win2019 vps and had taken the trouble to ask for help from my USA friend who taught me so long ago to ensure that I am doing so correctly. I didnt just submit ticket and didnt take steps or means to try to connect to the vps provided

I totally regret getting this service from webhosting24.com and cant recommend them.
=============================
I ticket webhosting24 and the reply was that i needed to enable RDP on the vps side. This was not in knowledge base as well as not send as instructions in the email. I took another 30mins to trial and error. I needed to use the client portal to use VNC to connect to VPS, use VNC console (not keyboard) to send altctrlddelete to start the vps and enable RDP

After i did that i got message to activate OS from settings and found that my cursor was lock and vps kicked me out after 3mins indicating high usage of RDP.

I tried again 5-6x and everytime i got black screen and no taskbar nothing.I just tried 3mins ago and now cant access vps again despite being able to earlier after enable RDP

The director who is also tech staff told me that i can use the vps even after i send cancellation request till end of invoice period, but in reality it cant be used properly. I got kicked off 3mins for those 5-6x that i tried and i got complete black screen

I dont know what else i can try or what else is hidden and not known to me (just like the RDP issues). VNC to access vps is a very old dino method, i dont even know how to use VNC well and time was wasted trying to figure out how to use the console on VNC

I have just paid $18+USD to submit tickets. Its like you bought a house and the seller give you the house but didnt give you the keys and left you out in winter to freeze to death. I cant even get a refund for a system I cant access/or use properly. Those 5 stars reviews is a suspect.

Those that are reading my comments perhaps you like to reach out and guide me on how to resolve the black screen and such issues

It has very good and fun games. I cant configure a mouse to play with some of the games and sent email to support for help. Instead i got 3 replies to go read/refer Settings. NONE of which refer to configure/using a mouse to move a character. It mentioned camera but NOT mouse. And when I replied to first support that this dont help, I got another support staff giving me the same reply

Incredible and non supportive support staff!

They have the best funding models and will pay 15% even during challenge phase so long as traders dont violate any T&C and post a profit.

The major complaint from me
1) The dashboard is totally useless as the updates WONT get done even over ONE day. Clearing of cookies, data and refreshing browser does not work at all. This is despite the max daily/max overall losses are updated on time

2) Each trader even during challenge has an account manager assigned who is too busy attending to other matters and there wont be a response even over ONE day. The assignment is more for show and tell than actual proper way to reach the account manager

3) Before I took the challenge, I read the faq, rules etc few times and notice that answer to same question could be different or even have wrong info from one segment of faq to another. This they have addressed as I brought them up. Although it might be forgiven for some errors and omissions, FN has to do better and put in place vetting team before posting faq up on site. For a funded company thats no longer that new, this is not just frustrating for newbies but it also stays as an embarassment to FN that they cant even get it right after so much time has passed

4) when i complain regards non response from my account manager, I got defensive comments from support staff "My apologies, but the account managers do not respond like the live support as they have to do the more critical things than us which needs more time". Updating of stats is critical to a trader. It allows the trader to be able to quickly upgrade their challenge acct and not have to wait MANY DAYS even though account itself has fulfilled all the requirements. Waiting for ONE day (till today) with no response from an assigned account manager is critical and very concerning about resource allocation to a trader

The human factor is more important to a trader than just pure technology (in terms of platforms, execution speeds etc). I still like to work with FN and I hope they take comments seriously and really work on better solutions. The major bad experience I had overall was that FN always pay lip service and never actually bothered to improve

5) Payment methods for withdrawals of profits did not even include paypal and direct bank credit / bank transfer (wire). Instead FN pays Perfect Money, USDT/Tether and Deel. Deel does have many methods to withdraw the funds but it requires trader to establish an account with them, sign the contract etc. Its not difficult but not as convenient.

I am very much doubting whether any of my comments get to management for improvement. All of us here can read another canned response

*I am giving 3 stars for 1) above average support team members 2) 15% profit share for all challenge models even during challenge phase 3) 90% profit share during funded phase 4) familiar platforms (MT4/MT5) 5) decent and acceptable execution speed (spreads are not ideal but are somewhat acceptable)

** If FN does improve i will come back to review and change my comments

customer support is very very good and very very responsive with support staff knowing first hand all of the organisations rules, faq etc

Some issues may need more than 2-3 days to resolve but their support is still nonetheless an "A". Give their support some time to resolve but need to chase this up and have some patience.

What i dont really like or understand is that their support staff subsequently deleted TG account especially when the online chat support staff recommended that i TG a support as my challenge account was delayed in the process of being created

I also dont appreciate that TCF "backdated" the challenge date to the date the challenge was supposed to start instead of the actual date the account was given. I really hope that TCF appreciate the fact that some traders can become pressurized to get to 10% profits with this sorta of deducted timeframe. In future i hope this can be improved to automatically start the challenge when details are mailed out, instead of backdating the challenge. For example a challenge that supposed to start on 19Jul, details mailed out on 21Jul but start date is still 19jul. On this matter, please also DONT date a challenge if start date was a Saturday or Sunday. This is rather unfair to the trader as there is no trading for Sunday. Its definitely more helpful to traders by dating challenge when details are given rather than apologising for the delays

Recently realised that TCF paid out in crypto and I for one dont trust the value of this sorta of payment and my country's government dont accept this sorta of payment. TCF has a partner tccrypto.io which is perhaps also own by TCF to convert the crypto to USD into a bank account. This is somewhat a bit of grey area. TCF administers the challenges as well as funded account. Paying traders using crypto equivalent is then at TCF rate and if you want to convert back to USD you can use their partner site to sell the bitcoins. If you have an account with 2 other crypto service providers you may receive coins there. i felt that using their partner to sell the bitcoins is conflict of interests and it disabled those traders that cant or dont want to receive bitcoins due to its somewhat unstable value

I might be mistaken, thought i read that they also allowed bank wire. I hope the CEO will look into this and introduce even paypal and direct bank wire (not via partner site to sell bitcoins) (much like FTMO, their competitor in prop trading) and allow traders to choose these easier methods that suit them better

Recently ICMarkets, have to add new symbols with ".a" and allow old symbols without this suffix set to closed only effective from 16Apr2021. This will affect ALL aussie branch customers but only those that are non pro. I have a demo account subscribed to a signal and on Apr21 I got error messages that trades cant be open the symbol is set to close only. I am a pro customer since Dec2020 but somehow my demo account was affected regardless

I cant get any new trades due to these facts
===
I revised my review as Ryn was a very patient and accomodating staff thats been great to help me resolve within 3mins on the demo issues

I really appreciate that Ryn called.

For those in some sorta of nasty situations, please give ICMarket a chance, they are trying their best to give us the best trading environment and conditions

*PS: would give 5 stars if ICMarket implement those new features

1) The delay to process a challenge account its at least 11hours after an invoice was paid

2) Support was extremely slow and non existence with a robotic explaining that the company has increase staff (more like increase the delays)

3) Ticket for issues also went unanswered for about 20 hours and online chat its just a box without any real staff handling the chat

4) Confirmation email is sent TWO WEEKS after they have processed the invoice with the processing time about as long. Might be either lack of computerized systems or just extremely popular or extremely under staff

No improvement after feedback

Recent changes to Asic product intervention has brought with it a host of technical issues which should have been ironed out or plan ahead on communication via email and website updates, as well as technical and user acceptance tests before being implemented

I have been extremely badly affected by not one incidence but many and despite various requests for calls none were made. As I live overseas I cant even get through the Aussie hotline and tickets went unresponded and just disappeared without explanation

These are the incidences and took hours to resolve
1) Change for client login to email instead of username without notification
===========================================================
My login was suddenly changed to email instead of for many years via username. NO emails to notify of such changes. When i click on "forgot password" the system sent a message with username=my username and not my email. Thus i had to reset password 2x. After 2x, one of the support went on team viewer to assist me and I showed him exactly what i was doing with copy and paste of the password. When he saw that email that was generated by system he realised that it was using my username and not my email. In order to sign in, I had to again reset my password (3rd try) and this time system managed to correctly identify username=my email. This took up at least 2-3 hours to resolve

2) Demo mt4 and Mt5 internally change to leverage of 30 without notification
============================================================
i was qualified as pro trader back in Dec2020 but IC internal system reset ALL mt4 and mt5 demos whether its for pro or non pro traders to 30 leverage whilst on mt4/mt5.

My demo acct was subscribed to a signal and this caused me to miss a trade which was closed off and to not able to follow with another trade that was opened, and I only realised it on Monday 29Mar that my margin was 106% near to margin call. There was again no notification via email or on site to notify of changes to ALL mt4/mt5 demos. This took more than 12 hours for the support to change the internal leverage.

After support changed my demo leverage, i was informed that going forward ALL demos created by me despite being a pro trader will have internal leverage set to 30 even if I selected leverage 500. I requested that this be fix across for all pro clients, till today I didnt get any updates on whether this will be the case. I have to retain the demos i created in order not to have to go online chat with support to set leverage for my demos

3. New ctrader account was set with internal leverage 30 despite being a pro trader and requested for 500 leverage
==========================================================
I ticket RM department to create a new live ctrader account with leverage of 500. On the ctrader menu the leverage indicated 500, but internally IC system defaulted to 30. Perhaps the RM staff didnt realised that IC system has this glitch that needed to be fix for new accounts

I was not able to even trade with 0.02lots as I dont have "enough margin" and its lucky that the trade was close out with profits otherwise my account would have stop out.

The ticket was NEVER responded to for more than 36 hours, finally a support staff Matthew decided that i needed to switch to Global branch due to Asic regulations without checking on my client status which delayed the ticket another 2-3 hours till i managed to get on chat with support

I met Michelle who patiently assisted me and managed to get back leverage of 500. Various call back requests met with silence till today. Michelle has told me that she will update her supervisor and to inform the team on the issue of leverage for new accounts so that they are aware of this system glitch

IC is not interested in their pro customer, they have too many. The fact is bore out by their silence not to even call me to apologise