9. Dugo-Dugo Gang
A reenactment of how the Dugo-Dugo Gang operates
Scene of the crime: This group robs affluent homes by tricking unsuspecting house helpers into helping them get to the homeowners' cash and valuables stash.
Plan of attack: Remember that PLDT caller I.D. commercial? That's basically how the Dugo-Dugo Gang operates. After casing a household, the gang members wait for the opportune moment when only the helper is in the house. The scammers call and pretend that a family member has been hurt and needs money for a surgery or medical procedure of some sort. Then they pressure the helper into forcing open the family safe, locked drawers, and the like to get cash and other valuables. The helper is then told to turn over the loot to the gang members.
Defense mechanism: Tell helpers and everyone in the house about this scam. To find out if they actually remembered what you said, pretend to be a Dugo-Dugo Gang member and make them go through a drill. Take it a step further by rewarding those that keep their wits about them.
10. Budol-Budol Gang
24 Oras video: Budol-Budol Gang swindles P97,000 from a couple
Scene of the crime: The Budol-Budol Gang can strike anywhere using their alleged powers of hypnotism and "boodle" or counterfeit money--hence the name--that turn out to be just sheets of paper. Interestingly, Google Translate says "budol" means "gullible person."
Plan of attack: Their M.O. may have evolved over the years but here's their basic tactic: They lure or blackmail their victims into giving them valuables or cash in exchange for a bag filled with fake bills or products. In one reported instance in 2008, two suspected Budol-Budol Gang members managed to get a cellphone, a Walkman, and P2,000 from an unidentified 16-year-old girl in Cebu. The male and female suspects claimed they were looking for a vehicle to transport their things. Before they went to search for a vehicle, they asked the girl to hold on to a bag supposedly filled with money. In return, they got the girl to give them her valuables as a sort of safety deposit. It wasn't long before the girl discovered the bag contained only fake bills.
In 2005, a victim identified only as Marie claimed some Budol-Budol Gang members hypnotized her into giving them her money, jewelry, and mobile phones. She said she did not remember much after a man allegedly engaged her in small talk while she was walking along Ortigas Avenue. All she could recall was getting inside a certain van, drinking a glass of water, and handing over two years' worth of savings of her seaman husband. All that in exchange for a black bag stuffed with sheets of paper.
Defense mechanism: First of all, bear in mind one of the first things everyone learns as a kid: Don't talk to strangers. Of course, that can't be helped sometimes so remember another basic rule: Don't accept candy from strangers. In this case, if strangers are giving you something as "sweet" as a bagful of cash, you better refuse. If you're afraid of being hypnotized, find out how the controversial phenomenon supposedly works to avoid succumbing to it.
SPOT.ph wants to know: Have you been a victim of any of these M.O.s?
Artwork by Warren Espejo.




More details here: http://jonhappiness.blogspot.com/2010/06/stay-away-from-philippine-prudential.html
I believe other insurance companies also operate in the same way such as Caritas. These people are well trained in the art of persuasion/convincing and will exhaust you so that you can not decide wisely anymore. They praise you, try to be friends, make you appear like making a smart decision, while in their minds, they might mocking your gullibility. I'm not saying that they are thieves, as they happen to be legitimate insurance companies. But still you have to cash out a large sum that you normally wouldn't without spending weeks to decide. And there goes your budget.
This may not be top 10 material, but I want more people to be aware. I'm actually thinking of dedicating a website for Philippine scams, MOs etc.