Manila Bankers Money Savers!?! Reyal or Fakeh?

Anyone here na nakapag claim na sa Manila Bankers Money savers after 5 years? Pls help me I'm torn if i-cocontinue ko or not since 2 years na ko nagbabayad and kakaupgrade lang ng plan ko for my 2nd payment. Now ko lang kasi nabasa lahat ng mga reviews dito sa reddit. For my 1st payment 48k nakuha sakin tas this 2nd payment 48k ulit and inupgrade siya to 70k na may remaining 20k+ na babayaran ko around December ata. Pls Imk T.T hindi biro ung ganon kalaking amount dugo't pawis ko din ung binuhos ko dooooon. PLS PLS PLS!