To make the story short, I sent money to the Philippines ($2, 000) plus $60 charge on May 12, 2008. The money did not get there as advertised, their reason, technical problem and could not locate the tracking number and could not get hold of the specialist. I canceled my transaction on May 23, 2008 and asked for a refund and I was promised to have the money back within ten working days, as of this time, the money is nowhere to be found. I called numerous times, sent e-mails, faxed and sent letters but still to no avail. XOOMA (PRONOUNCED AS ZUMA) YOU ARE THE ANACONDA! THE DUMBEST WAY TO SEND MONEY! WESTERN UNION- KEEP UP THE GOOD WORK!