I have the need of sending money to Mexico due to an emergency, so I use the service xoom.com, they claim to deliver the money in 15 minutes, so I did it, the story is as follow:
March 4th, 2011.- I use xoom.com to send $200.00 U.S. dlls. to Mexico for only $4.95
March 5th, 2011.- My family called me telling me there was no money sent to them yet
March 7th, 2011.- I checked up in xoom.com under my account and they just live a message saying that it will take 5 to 7 business days to clear the money from my bank
March 8th, 2011.- I called xoom customer care, they just apologize for the inconvenience and claim it will take 3 to 5 business days to clear the transaction on my bank (it seems to be this the number of days they say to all their customers). I tried to cancel the transaction but they said it will take 30 to 60 days to get the refund of my money!
BOTTOM LINE IS NOT TO USE THIS SERVICE ANYMORE IS MY ADVICE, TRY TO EXPLORE SOME OTHER OPTIONS, Western Union is very expensive, but at least it has worked ok in the past to me.