I was surprised how quickly the first time (Oct 1) that I sent money the transaction was done the same day within minutes. Therefore, I used Xoom again on same circumstance as 1st transaction; unfortunately, the second time (Oct 6) the transaction is taking days! In fact, payment is still in process, despite Xoom withdrawing the cash Oct 7. It is no Oct 9 - and still waiting! We send money to the Philippines to help relatives, esp at this time of calamity. But why do we have to be at the mercy of company like Xoom. Xoom MUST re-assess its existence as a company! read full review »