When you say you were "ripped off" you dont say what happened. Short payout of cash.? No payout of cash.? Most visitors to the Philippines nowadays use this method to withdraw cash. I use them all the time, BDO included and have never had a problem other than the fact that they are often "out of service" or "out of cash"..!! But never been ripped off. Did you check your acount to see if money had been taken out..?
scot5man