States and Singapore[45] for said employers to avail of the services of RSI in recruiting, hiring, processing and deploying Filipino contract workers. She was also authorized to solicit applicants for overseas placement through advertisements, referrals, walk-ins, etc., and to undertake screening, evaluation and final selection of applicants. As per agreement with RSI, Josefina was entitled to a certain share for each successful negotiation with a foreign employer.[46] Josefina denied that Buli-e was her agent and insisted that she never gave Buli-e authority to recruit for RSI. On the contrary, Buli-e allegedly informed Josefina that she was an agent of Mrs. Fe Go, another marketing Director of RSI. Sometime in 1991, Mrs. Go referred to Josefina a certain Prescilla Laoayan, who wanted to apply as a domestic helper in Taiwan. Upon being told that she could not be deployed unless she would give a downpayment of P15,000 for the placement fee, Prescilla informed Josefina that she already gave P15,000 to an agent whom sheidentified to be Buli-e. Josefina then wrote a note for Buli-e informing her that there was a problem regarding the processing of Prescillas application. Prescilla delivered the note to Buli-e who in turn went to see Josefina at her house in No. 11 Concorde Street, Airmans Village, Las Pias, Metro Manila. Josefina said that she and Buli-e merely talked about Prescillas application and that was the first time that Josefina met and talked with Buli-e although she had already seen her before in the office of Mrs. Fe Go.[47] Josefina testified that herein complainants were originally referred by Buli-e to Mrs. Fe Go who, in turn, referred them to her. Josefina said that she accepted referrals from Buli-e even though the latter was not her agent nor connected with RSI because their agency accepts referrals from everyone. In 1992, Buli-e, claiming that complainants authorized and designated her to act as their spokesperson, went to the house of Josefina several times to follow up the progress of their applications.[48] Josefina denied having given Buli-e instructions to accompany complainants to Saints Peter and Paul Medical Clinic in Ermita, Manila. She also denied having an understanding with Buli-e to receive payments from each of complainants and to bring them to her house in Las Pias, Metro Manila.[49] Josefina explained that the deployment of complainants was delayed because the Taiwanese government changed its previous policy of allowing foreign employment agencies like RSI to negotiate directly with prospective employers in Taiwan. Foreign employment agencies were instead allowed to negotiate only with local employment agencies in Taiwan, which, in turn, were responsible for negotiating with the Taiwanese employers. The change in the policy caused delay in the deployment of complainants since the local employment agencies in Taiwan demanded additional requirements such as additional fees. Josefina said she informed complainants of the delay and the reason for it but complainants could not wait to be deployed and, instead, demanded the refund of their payments. [50] On March 2, 1993, Josefina allegedly gave Buli-e P75,000 with the instruction that she was to give complainant Lampoyas P5,000 as refund, and P10,000 each to complainants Macli-ing, Estay, Fias-eo, Mangili, Agapito, and the Oratil brothers. Upon having been approached by complainants for the refund of their money, Josefina informed them that she already gave their refunds through Buli-e. Complainants, however, claimed that they did not receive their refunds from Buli-e. When complainants