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Sukuk Defaults: Islamic Debt Investors Need Better Data

Rodney Wilson - February 2013

Sukuk are often described as Islamic bonds, but in practice there are many types of sukuk, some indeed being a Shari’ah compliant substitute for bonds, but others serving as alternatives to floating rate notes and treasury bills. All are asset backed as under Shari’ah Islamic law debt certificates cannot be traded, but real assets and rights to those assets can be bought and sold.

Debt trading issues

Trading in debt is regarded as immoral as the debtor is not consulted about who can buy their debt. New buyers may impose more onerous terms on the debtor and be more likely to seize the debtor’s assets, especially if there is ambiguity in the debt contracts over defaults. Such legal or contractual ambiguity is referred to as gharar, which is also condemned as potentially exploitative.

The Shari’ah scholars who validate sukuk documentation have a duty to identify and eliminate any clauses which have elements of gharar. Trading in sub-prime debt is also regarded with suspicion, as the buyers may profit if the debt is traded at a discount, but this brings no debt relief to the debtor. Not surprisingly many Shari’ah scholars saw the sub-prime crisis after the collapse of Lehman Brothers as a vindication of their view on debt trading.

 

Sukuk characteristics

For those involved in sukuk investment, and those seeking Islamic capital market finance, the prohibition of riba under Shari’ah  applies to all forms of interest and not only usury. Hence a sukuk cannot pay interest, but of course investors expect their capital to be repaid and a return earned. For ijara sukuk, the most popular form of sukuk which involves the securitisation of a leasing contract, the payment takes the form of a rent. With this type of sukuk the issuer sells an asset to a special purpose vehicle (SPV), a not-for-profit legal entity or trust, which is established to manage the sukuk payments. The SPV is normally described as the issuer, and all its administrative work is usually undertaken by the law firm which drew up the sukuk contracts. The functions of the issuer include collecting the invested funds, holding the title to the asset, receiving the rents from the originator who obtained the funding and paying these over to the investors.

Ijara sukuk contracts can be regarded as sale and lease back agreements, but they usually run for a fixed period, typically 3 to 5 years. At the end of the period the originator is contracted to repay the principal and in return gets the asset back. The repayment of the principal is made to the investors by the SPV, which is then wound up. If all commitments are honoured from the investors’ perspective the ijara sukuk has the same financial characteristics as a floating rate note, but has the merit of being Shari’ah compliant. The returns can even be benchmarked to conventional indicators such as LIBOR, but as the returns are legally rents, this means the payments are not classified as interest.

 

Credit risk

Where disputes over payments delays or payments failures arise with sukuk the means of redress are potentially more complex than for conventional notes and bonds. In particular under Shari’ah leniency towards debtors is favoured, but this inevitable raises moral hazard problems. There has been a reluctance however to introduce bankruptcy laws in most Muslim majority countries as seizing assets, such as a family home, is regarded as socially and morally unacceptable, not least as some of those living in the property may have been unaware of the debts incurred.

Although sukuk indebtedness is incurred by corporates and sovereign states rather than individual families, there is no distinction in Islamic law between how different categories of debtors are treated. As many large businesses remain under family ownership, especially in the Islamic World, it is difficult to see how such a distinction could be made. However the absence of clear bankruptcy procedures either deters investors or results in them expecting a risk premium.

For sukuk uncertainties arise over the rights of the investors when defaults occur and how they should seek redress. English Common Law concepts and mechanisms are commonly used for sukuk, with the SPV playing a key role as already indicated. The legal provision for sukuk represents a type of marriage between English Common Law, which is largely used for cross border financial transactions, and Shari’ah. Unfortunately marriages often fail when tensions arise, and this can also happen with the different legal and Shari’ah requirements with sukuk as currently structured.

 

The Golden Belt sukuk

The two major sukuk defaults in the Gulf were the Investment Dar sukuk, involving an investment company based in Kuwait, which had raised US$ 100 million, and the Golden Belt sukuk involving a Saudi Arabian company, which raised US$ 650 million. Neither default has been resolved but it is interesting to focus on the latter, as it was for a larger amount, and involved Citigroup as the trustee. The much publicised Nakheel sukuk in Dubai did not default despite investor concerns, and on maturity the funds raised were repaid in full despite the real estate crash in the Emirate.

The originator of the Golden Belt sukuk was the Saad Trading and Contracting Company, a private company involved in real estate development and commodity trading, based in Al Khobar in the Eastern Province of Saudi Arabia, the source of most of the Kingdom’s oil. Like other family businesses in Saudi Arabia it expanded rapidly from the 1970s onward and had a good reputation. It never sought a market listing however, which would have required more comprehensive financial reporting. Nevertheless the sukuk documentation included an audited report by Price Waterhouse Cooper’s Dubai office and KPMG Al-Fozan and Bannaga of Jeddah. The company was managed and owned by Maan Al Sanea one of the leading businessmen in the Kingdom.

The sukuk was launched in 2007 and fully subscribed, as with Citigroup playing the lead role this increased investor confidence. In addition Maan Al Sanea gave a personal guarantee which further increased confidence, especially with his Saudi peers. The financing was for five years, with the sukuk due to mature in 2012 when the investors would get their money returned. The sukuk was arranged in Bahrain, but this did not concern investors, as the island was a major centre for Islamic finance and was nearer to Al Khobar than Riyadh, as there is a causeway linking the island with the Eastern Provence. However other Saudi Arabian sukuk such as those by the Saudi Arabia Basic Industries Corporation (SABIC) and Saudi Electricity have been listed on the Tadawul, the Saudi stock market, and are regulated by the Capital Markets Authority in Riyadh. This was not the case with the Golden Belt sukuk.

 

The sukuk default

The payments default occurred in November 2009, two years after the launch of the sukuk. There had been extensive dealings between Maan Al Sanea and the Al Gosaibi family, another well- known Saudi Arabian business group. Ghazi Al Gosaibi, who died in 2010, was the Saudi Arabian ambassador in London from 1984 to 2002 before being recalled to Riyadh to serve as Minister of Water and Electricity, and later until his death, as Labour Minister. Unfortunately when the Saad Trading and Contracting Company lost significant funds due to the deteriorating conditions after the global financial crisis, it was unable to meet its financial obligations to the Al Gosaibi family, and the latter consequently faced financial ruin. In response the Saudi Arabian government froze the assets of both family businesses, which meant there were no funds which could be paid to the Golden Belt sukuk investors.

Over three years after these events little has changed as the assets remain frozen and Maan Al Sanea is unable to leave the Kingdom to attend the numerous court cases brought by his creditors. Société Générale succeeded in getting a High Court Ruling in London that Saad Trading should pay $50 million for a letter of credit on which the latter defaulted, but this cannot be enforced while the Saudi assets remain frozen. Saad Trading has other assets worldwide, but many are held by companies based in the Cayman Islands, and it is difficult to ascertain the extent or the location of the assets. The possibility of the sukuk investors getting their funds returned seems remote, even though they have agreed that the trust which holds the assets be dissolved. At present the sukuk are trading informally at 25 cents to the dollar, which is an indication of the minimal likelihood of repayment.

 

The implications of the default

Not surprisingly concerns were expressed that the default of the Golden Belt sukuk would undermine the reputation of this class of asset, and indeed Islamic finance more generally. It was also asserted that it demonstrated the weakness of the Saudi Arabian legal and regulatory system and would negatively impact on future sukuk issuance in the Kingdom. Neither is the case. Rather at least some of the blame for the failure rests with the banks involved in the arranging for a lack of due diligence, notably Citigroup, and the auditors who did not object to a rather narrow view of the activities of the Saad Group appearing in the prospectus.

There have been numerous controversies over sukuk structures, including the role of the issuer versus the originator, shari’ah compliance, investor rights to the assets in the event of dissolution and the valuation of the assets used to underwrite the sukuk; in the case of the Golden Belt sukuk, 40 per cent of the value of the capital raised. However, even if the sukuk had been better structured, the default would have still occurred, given the vulnerability of the Saad Group to the spin-off effects of the global financial crisis for the Gulf. The Saad Group was already highly leveraged before the crisis, and taking on additional debt, even if Islamic, was always going to be risky.

As already indicated other sukuk in Saudi Arabia are traded on the Tadawul and regulated by the Capital Markets Authority, which has a good reputation and much knowledge and expertise in Islamic finance. By choosing to issue the sukuk offshore there was less regulatory surveillance, which should have sent a danger warning to the investors. Furthermore all sukuk issuance in Saudi Arabia today is rated, whereas the Golden Belt sukuk was not rated. Only the Caravan sukuk, the first in the Kingdom in 2004, on behalf of Hanco, Saudi Arabia’s leading car rental and vehicle leasing company, was unrated, but it was also offshore. In its case the investors obtained the expected returns and had their capital redeemed in full.

The Golden Belt default has not deterred sukuk investors, with 2012 being a record year for global issuance which exceeded $42 billion. Over half of the issuance was in Malaysia which has an active sukuk market that is well regulated by the Securities Commission. In Malaysia there have been 25 sukuk defaults, but the courts have now extensive experience of dealing with these, and although investors inevitably suffer losses, if asset values permit they receive reasonable recompense. All Malaysian sukuk are rated, as this is a regulatory requirement, but this can be by one of the two local rating agencies, Rating Agency of Malaysia (RAM) and the Malaysian Rating Corporation (MARC). Their rating is much less expensive than those from international agencies such as Standard and Poor’s, so even small value sukuk can be viably rated.

 

Lessons from the debacle

Investors in sukuk should seek advice on the credit worthiness of the originator and not simply rely on the reputation of the investment banks involved in the arranging, especially as many, in any case, have a rather tarnished reputation in the aftermath of the financial crisis. The launch of the Golden Belt sukuk preceded the crisis and was in an era when standards of credit risk appraisal were more relaxed.

Sukuk investors are entitled to accurate information on the underlying asset, but they should be aware that the main purpose of the asset backing is to ensure Shari’ah compliance, not to make the sukuk senior debt. Although investors, or their legal representatives, should always consider worse case scenarios, and have a view on the worth of the underlying assets, when a default occurs there will inevitably be significant losses.

Saudi Arabia is a well regulated environment for sukuk issuance, so the difficulties with the Golden Belt sukuk should not deter future investors. Bankruptcy is a controversial issue in the Kingdom however because of Shari’ah concerns about debtors being exploited. Therefore in practice most commercial disputes are handled by the Board of Grievances which aims to bring about “amicable conciliation” between the parties. If international hedge funds aggressively pursue sukuk defaulters in most jurisdictions in the Islamic World they are likely to be disappointed with the outcome, and this will certainly be the case in Saudi Arabia.



 

Further reading

Hafizi Ab Majid, Shahida Shahimi and Mohd Hafizuddin Syah Bangaan Abdullah, Sukuk Defaults and its Implications: A Case Study of the Malaysian Capital Market, Paper presented at the 8th Annual Conference on Islamic Economics and Finance, Doha, December 2011. (http://www.iefpedia.com/english/wp-content/uploads/2011/12/Hafizi-Ab-Majid.pdf)

 

Vijay Rabindranath, An Overview – Sukuk Market in Saudi Arabia, Watheeqa Capital Company, Kuwair, 21st March 2010. (http://www.watheeqa.com/App_Themes/watheeqa/pdf/An_Overview_-_Sukuk_Market_in_KSA.pdf)

 

Rodney Wilson, Legal, Regulatory and Governance Issues in Islamic Finance, Edinburgh and Columbia University Presses, 2012. UK, EU readers: http://www.euppublishing.com/series/EGIF, North America readers http://cup.columbia.edu/book/978-0-7486-4505-3/legal-regulatory-and-governance-issues-in-islamic-finance

 


 
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tonywilliamsloanfirm04@gmail.com
19 July 2014 07:39
Good Day Every,                                                                                                                                              My name is Mrs Dina James,I had tried to get a loan from a well known loan company in the USA the lending club corp. In CA, but did not know that these people that I spoke to were really scammers and lost 2,000.00usd online. Kevin jones and Anthony chase drove me crazy. Now I can say that what  most  of them are saying are not true. Have found a loan service that is truly real,But all people should know that this loan companies do ask for each people taking out the loan to put insurance on the loan. So that for the loan companies loss there money they will be covered if I have a hard time making payments get unemployed. Their insurance dollar amount was 150,00 the hardest thing was what to say to the western union when sending to a company outside the country [USA]. All other loan companies ask for 250.00 to insurance their money will come back to them with a very low interest rate between 2% to 4%. I have to ask many question via email to make sure I was not going to be scammed again. I feel this is the best way to go. Because my partner was in europe doing family business and not about to return until all was completed. So now that I have secured a loan. Here is an email to the company an got 45,000,00 US dollars for all is well. Here is the email of the company [tonywilliamsloanfirm04@gmail.com] Tony Williams Loans, The reason why I was with them is because I got a call and he made real person. This is why I was with tonywilliamsloanfirm04@gmail.com. Mrs Dina James

tonywilliamsloanfirm04@gmail.com
19 July 2014 07:39
Good Day Every,                                                                                                                                              My name is Mrs Dina James,I had tried to get a loan from a well known loan company in the USA the lending club corp. In CA, but did not know that these people that I spoke to were really scammers and lost 2,000.00usd online. Kevin jones and Anthony chase drove me crazy. Now I can say that what  most  of them are saying are not true. Have found a loan service that is truly real,But all people should know that this loan companies do ask for each people taking out the loan to put insurance on the loan. So that for the loan companies loss there money they will be covered if I have a hard time making payments get unemployed. Their insurance dollar amount was 150,00 the hardest thing was what to say to the western union when sending to a company outside the country [USA]. All other loan companies ask for 250.00 to insurance their money will come back to them with a very low interest rate between 2% to 4%. I have to ask many question via email to make sure I was not going to be scammed again. I feel this is the best way to go. Because my partner was in europe doing family business and not about to return until all was completed. So now that I have secured a loan. Here is an email to the company an got 45,000,00 US dollars for all is well. Here is the email of the company [tonywilliamsloanfirm04@gmail.com] Tony Williams Loans, The reason why I was with them is because I got a call and he made real person. This is why I was with tonywilliamsloanfirm04@gmail.com. Mrs Dina James

tonywilliamsloanfirm04@gmail.com
19 July 2014 07:39
Good Day Every,                                                                                                                                              My name is Mrs Dina James,I had tried to get a loan from a well known loan company in the USA the lending club corp. In CA, but did not know that these people that I spoke to were really scammers and lost 2,000.00usd online. Kevin jones and Anthony chase drove me crazy. Now I can say that what  most  of them are saying are not true. Have found a loan service that is truly real,But all people should know that this loan companies do ask for each people taking out the loan to put insurance on the loan. So that for the loan companies loss there money they will be covered if I have a hard time making payments get unemployed. Their insurance dollar amount was 150,00 the hardest thing was what to say to the western union when sending to a company outside the country [USA]. All other loan companies ask for 250.00 to insurance their money will come back to them with a very low interest rate between 2% to 4%. I have to ask many question via email to make sure I was not going to be scammed again. I feel this is the best way to go. Because my partner was in europe doing family business and not about to return until all was completed. So now that I have secured a loan. Here is an email to the company an got 45,000,00 US dollars for all is well. Here is the email of the company [tonywilliamsloanfirm04@gmail.com] Tony Williams Loans, The reason why I was with them is because I got a call and he made real person. This is why I was with tonywilliamsloanfirm04@gmail.com. Mrs Dina James

tonywilliamsloanfirm04@gmail.com
19 July 2014 07:38
Good Day Every,                                                                                                                                              My name is Mrs Dina James,I had tried to get a loan from a well known loan company in the USA the lending club corp. In CA, but did not know that these people that I spoke to were really scammers and lost 2,000.00usd online. Kevin jones and Anthony chase drove me crazy. Now I can say that what  most  of them are saying are not true. Have found a loan service that is truly real,But all people should know that this loan companies do ask for each people taking out the loan to put insurance on the loan. So that for the loan companies loss there money they will be covered if I have a hard time making payments get unemployed. Their insurance dollar amount was 150,00 the hardest thing was what to say to the western union when sending to a company outside the country [USA]. All other loan companies ask for 250.00 to insurance their money will come back to them with a very low interest rate between 2% to 4%. I have to ask many question via email to make sure I was not going to be scammed again. I feel this is the best way to go. Because my partner was in europe doing family business and not about to return until all was completed. So now that I have secured a loan. Here is an email to the company an got 45,000,00 US dollars for all is well. Here is the email of the company [tonywilliamsloanfirm04@gmail.com] Tony Williams Loans, The reason why I was with them is because I got a call and he made real person. This is why I was with tonywilliamsloanfirm04@gmail.com. Mrs Dina James

tonywilliamsloanfirm04@gmail.com
19 July 2014 07:38
Good Day Every,                                                                                                                                              My name is Mrs Dina James,I had tried to get a loan from a well known loan company in the USA the lending club corp. In CA, but did not know that these people that I spoke to were really scammers and lost 2,000.00usd online. Kevin jones and Anthony chase drove me crazy. Now I can say that what  most  of them are saying are not true. Have found a loan service that is truly real,But all people should know that this loan companies do ask for each people taking out the loan to put insurance on the loan. So that for the loan companies loss there money they will be covered if I have a hard time making payments get unemployed. Their insurance dollar amount was 150,00 the hardest thing was what to say to the western union when sending to a company outside the country [USA]. All other loan companies ask for 250.00 to insurance their money will come back to them with a very low interest rate between 2% to 4%. I have to ask many question via email to make sure I was not going to be scammed again. I feel this is the best way to go. Because my partner was in europe doing family business and not about to return until all was completed. So now that I have secured a loan. Here is an email to the company an got 45,000,00 US dollars for all is well. Here is the email of the company [tonywilliamsloanfirm04@gmail.com] Tony Williams Loans, The reason why I was with them is because I got a call and he made real person. This is why I was with tonywilliamsloanfirm04@gmail.com. Mrs Dina James

tonywilliamsloanfirm04@gmail.com
19 July 2014 07:38
Good Day Every,                                                                                                                                              My name is Mrs Dina James,I had tried to get a loan from a well known loan company in the USA the lending club corp. In CA, but did not know that these people that I spoke to were really scammers and lost 2,000.00usd online. Kevin jones and Anthony chase drove me crazy. Now I can say that what  most  of them are saying are not true. Have found a loan service that is truly real,But all people should know that this loan companies do ask for each people taking out the loan to put insurance on the loan. So that for the loan companies loss there money they will be covered if I have a hard time making payments get unemployed. Their insurance dollar amount was 150,00 the hardest thing was what to say to the western union when sending to a company outside the country [USA]. All other loan companies ask for 250.00 to insurance their money will come back to them with a very low interest rate between 2% to 4%. I have to ask many question via email to make sure I was not going to be scammed again. I feel this is the best way to go. Because my partner was in europe doing family business and not about to return until all was completed. So now that I have secured a loan. Here is an email to the company an got 45,000,00 US dollars for all is well. Here is the email of the company [tonywilliamsloanfirm04@gmail.com] Tony Williams Loans, The reason why I was with them is because I got a call and he made real person. This is why I was with tonywilliamsloanfirm04@gmail.com. Mrs Dina James

tonywilliamsloanfirm04@gmail.com
19 July 2014 07:37
Good Day Every,                                                                                                                                              My name is Mrs Dina James,I had tried to get a loan from a well known loan company in the USA the lending club corp. In CA, but did not know that these people that I spoke to were really scammers and lost 2,000.00usd online. Kevin jones and Anthony chase drove me crazy. Now I can say that what  most  of them are saying are not true. Have found a loan service that is truly real,But all people should know that this loan companies do ask for each people taking out the loan to put insurance on the loan. So that for the loan companies loss there money they will be covered if I have a hard time making payments get unemployed. Their insurance dollar amount was 150,00 the hardest thing was what to say to the western union when sending to a company outside the country [USA]. All other loan companies ask for 250.00 to insurance their money will come back to them with a very low interest rate between 2% to 4%. I have to ask many question via email to make sure I was not going to be scammed again. I feel this is the best way to go. Because my partner was in europe doing family business and not about to return until all was completed. So now that I have secured a loan. Here is an email to the company an got 45,000,00 US dollars for all is well. Here is the email of the company [tonywilliamsloanfirm04@gmail.com] Tony Williams Loans, The reason why I was with them is because I got a call and he made real person. This is why I was with tonywilliamsloanfirm04@gmail.com. Mrs Dina James

tonywilliamsloanfirm04@gmail.com
19 July 2014 07:35
Good Day Every,                                                                                                                                              My name is Mrs Dina James,I had tried to get a loan from a well known loan company in the USA the lending club corp. In CA, but did not know that these people that I spoke to were really scammers and lost 2,000.00usd online. Kevin jones and Anthony chase drove me crazy. Now I can say that what  most  of them are saying are not true. Have found a loan service that is truly real,But all people should know that this loan companies do ask for each people taking out the loan to put insurance on the loan. So that for the loan companies loss there money they will be covered if I have a hard time making payments get unemployed. Their insurance dollar amount was 150,00 the hardest thing was what to say to the western union when sending to a company outside the country [USA]. All other loan companies ask for 250.00 to insurance their money will come back to them with a very low interest rate between 2% to 4%. I have to ask many question via email to make sure I was not going to be scammed again. I feel this is the best way to go. Because my partner was in europe doing family business and not about to return until all was completed. So now that I have secured a loan. Here is an email to the company an got 45,000,00 US dollars for all is well. Here is the email of the company [tonywilliamsloanfirm04@gmail.com] Tony Williams Loans, The reason why I was with them is because I got a call and he made real person. This is why I was with tonywilliamsloanfirm04@gmail.com. Mrs Dina James

tonywilliamsloanfirm04@gmail.com
19 July 2014 07:35
Good Day Every,                                                                                                                                              My name is Mrs Dina James,I had tried to get a loan from a well known loan company in the USA the lending club corp. In CA, but did not know that these people that I spoke to were really scammers and lost 2,000.00usd online. Kevin jones and Anthony chase drove me crazy. Now I can say that what  most  of them are saying are not true. Have found a loan service that is truly real,But all people should know that this loan companies do ask for each people taking out the loan to put insurance on the loan. So that for the loan companies loss there money they will be covered if I have a hard time making payments get unemployed. Their insurance dollar amount was 150,00 the hardest thing was what to say to the western union when sending to a company outside the country [USA]. All other loan companies ask for 250.00 to insurance their money will come back to them with a very low interest rate between 2% to 4%. I have to ask many question via email to make sure I was not going to be scammed again. I feel this is the best way to go. Because my partner was in europe doing family business and not about to return until all was completed. So now that I have secured a loan. Here is an email to the company an got 45,000,00 US dollars for all is well. Here is the email of the company [tonywilliamsloanfirm04@gmail.com] Tony Williams Loans, The reason why I was with them is because I got a call and he made real person. This is why I was with tonywilliamsloanfirm04@gmail.com. Mrs Dina James

Johnny Elvis
19 July 2014 07:33
A MUST READ:     Good day everyone, I am Mr Johnny Elvis by name, i am a citizen of new york USA, i have been looking forward for a genuine loan company for the past 2 months and all i got was group of scams who made me to trust them and at the end of the day, they duped me of $7000 without giving anything in return, all my hope was lost, i got confused and frustrated,i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net again, because i never trusted any loan company again since i was scammed, so i went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, though i never believed but i tried and to my greatest surprise my loan was granted to me within 24 hours, i could not believe, i am happy and rich again and i am thanking God that upon this scams all over the places a genuine company like this still exist, please i advise everyone out there who are in need of loan and can be reliable, trusted and capable of paying back at the due time of funds to contact (eladioloancompany@yahoo.com ) and be free from scams on the internet. they will never disappoint you.

Johnny Elvis
19 July 2014 07:33
A MUST READ:     Good day everyone, I am Mr Johnny Elvis by name, i am a citizen of new york USA, i have been looking forward for a genuine loan company for the past 2 months and all i got was group of scams who made me to trust them and at the end of the day, they duped me of $7000 without giving anything in return, all my hope was lost, i got confused and frustrated,i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net again, because i never trusted any loan company again since i was scammed, so i went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, though i never believed but i tried and to my greatest surprise my loan was granted to me within 24 hours, i could not believe, i am happy and rich again and i am thanking God that upon this scams all over the places a genuine company like this still exist, please i advise everyone out there who are in need of loan and can be reliable, trusted and capable of paying back at the due time of funds to contact (eladioloancompany@yahoo.com ) and be free from scams on the internet. they will never disappoint you.

Johnny Elvis
19 July 2014 07:33
A MUST READ:     Good day everyone, I am Mr Johnny Elvis by name, i am a citizen of new york USA, i have been looking forward for a genuine loan company for the past 2 months and all i got was group of scams who made me to trust them and at the end of the day, they duped me of $7000 without giving anything in return, all my hope was lost, i got confused and frustrated,i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net again, because i never trusted any loan company again since i was scammed, so i went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, though i never believed but i tried and to my greatest surprise my loan was granted to me within 24 hours, i could not believe, i am happy and rich again and i am thanking God that upon this scams all over the places a genuine company like this still exist, please i advise everyone out there who are in need of loan and can be reliable, trusted and capable of paying back at the due time of funds to contact (eladioloancompany@yahoo.com ) and be free from scams on the internet. they will never disappoint you.

Johnny Elvis
19 July 2014 07:33
A MUST READ:     Good day everyone, I am Mr Johnny Elvis by name, i am a citizen of new york USA, i have been looking forward for a genuine loan company for the past 2 months and all i got was group of scams who made me to trust them and at the end of the day, they duped me of $7000 without giving anything in return, all my hope was lost, i got confused and frustrated,i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net again, because i never trusted any loan company again since i was scammed, so i went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, though i never believed but i tried and to my greatest surprise my loan was granted to me within 24 hours, i could not believe, i am happy and rich again and i am thanking God that upon this scams all over the places a genuine company like this still exist, please i advise everyone out there who are in need of loan and can be reliable, trusted and capable of paying back at the due time of funds to contact (eladioloancompany@yahoo.com ) and be free from scams on the internet. they will never disappoint you.

Rodrigo Luli
19 July 2014 01:34
Do you need a loan? Have you been looking for where to get a loan? Have you been trying to get any kind of loan? then apply now at ?(rodrigoluliloanfirm@yahoo.com) if you want to get an affordable loan. Loan is offered here at a very low interest rate of 3%. Contact us now if you are interested.

jane wemblin
8 days ago
I NEVER THINK I WILL SUCCEED IN GETTING A LOAN FROM THE INTERNET  Good day, My Friends be very careful, I am Mrs Jane wembli,an American who base in the United Kingdom,i am so confidence to say that one's in my life time i can experience legitimacy in loan company on the Internet world, if i was directed by somebody else to this company, i wouldn't have written them because i have been fooled several times by online loan firm on the Internet and i decided stay off applying for loan online until a time came when i was having financial problem due to the predicament i had in my place of work that leads to my sack off in my place of work and i have nobody to run to, my credit was very low,my rent was approaching it expiring dates and my kids have to been in school but due to my ex-sense spending before i got sack off from place of work i have nothing solve all this problem. I have no other option than to come online looking for online loan firm that will help me out of my financial problem and i came across a loan firm and i was scammed of $5000USD in my attempt of obtaining a loan from them and i almost committed suicide and i ask my self is this the end of my life because i am a dieing mother of three kids to take care of,where will i get money to finance their education and pay my bills? all this are the questions that kept running inside my mind and became frustrated in the process of doing that and a words of encouragement came into me instantly saying it is not over yet, keep trying and you will definitely got in touch with your helper very soon and i stood up and said i will give this a last try and if nothing happens that means there is no hope for me any longer. And i went online that very moment and i came across a post by one (Mrs Christiana Douglass) saying that she has never seen a real loan firm like ocean finance Loan Company and instantly i consulted the loan firm by the email which she place on the post and in that same day i got response from the manager(Kenet Mark) and he forward to me all the Rules and Regulations that is guiding the company which will enable me to obtain the loan from them and i ask him how long will it take me to finish the process of my loan because i am planning of getting into business after i lost my job and he said it will take us three to four days if i am fast in replying their message. I ask him,hope i am not going to send any money to them because i was told here in my country that i shouldn't send any money in getting a loan and he replied by saying that it surprise him when i said that because their is no loan firm online who will render service to a loan seeker without him/her paying anything upfront. It sound very hurt to his hearing and he took it as a pain and explained everything to me and when i have a rethink about it i discovered it was true and that was were those false loan firm took advantage in defrauding people of their had earn money and he gave me his words that i should go on with them and he will took me by surprise that they are truly for real and i went on and apply for a business loan of $200,000.00 USD for the duration of 10years and i paid all the charges that are needed to be paid and like he said he is going to surprise me, that was what he did, it was then i knew that there are still real loan company on the internet otherwise i wouldn't have known.here is the consultation address:Oceanfinanceloancompany646@gmail.com...,if you want to. consult them for more information Thanks MR kenet mark

Goh Cheng
8 days ago
Dear Loan Seekers,           We are Cheng Loans Finance! We offer loans to Individual & Companies in need of financial assistance (Loan) at 2% interest rate for the duration of 1 to 25 years. Do you need a loan without stress or delay? Have you been turn down by your local banks? We offer International & Local Loans to interested clients for the amount of $5,000 USD to $100,000,000 USD OR (EUR, GBP, KWD, SGD, MYR), apply with us and get your loan approved without stress: Interested person should contact us via E-mails: {chengloansfinance@yahoo.com.sg} OR { gohcheng444@gmail.com}

Christian Coleman
10 days ago
Hello every body in this site my Name is Christian Coleman and am from USA i want to testify how i was rescued by a loan company called standardbankloanfirm1, i have look for a loan of 35000USD for over four months now to pay for my rent and pay for my child medication i feel in the hands of two online lenders that ate my money during the four months without giving me any loan instead i was scam by them and i never knew what to do, until one day i went to met a friend of my who i explained everything that has been happening to me now she felt bad for me and she remembered she had a friend who work in a loan company she contacted them and gave me their email at first i was not really interested because i told my self i will never look for a loan again because of what happened she encourage me and gave me hope to try them so i contacted them on their email without wasting time they responded back to me and asked for my details without stressing me i forward my details down to them and within the next 3 hours i received an alert from my bank about the loan i was so happy and i thanked my friend and thanked the loan company too so i quickly pay for my rent and my child medication also, am here to help for those who are looking for all type of loan there are still legit company outside there waiting to give you that loan you can contact the company now on their email.. standardbankloanfirm1@gmail.com and i want you all to also join me thank the company for this wonderful work and pray to God to bless them more.

Christian Coleman
10 days ago
Hello every body in this site my Name is Christian Coleman and am from USA i want to testify how i was rescued by a loan company called standardbankloanfirm1, i have look for a loan of 35000USD for over four months now to pay for my rent and pay for my child medication i feel in the hands of two online lenders that ate my money during the four months without giving me any loan instead i was scam by them and i never knew what to do, until one day i went to met a friend of my who i explained everything that has been happening to me now she felt bad for me and she remembered she had a friend who work in a loan company she contacted them and gave me their email at first i was not really interested because i told my self i will never look for a loan again because of what happened she encourage me and gave me hope to try them so i contacted them on their email without wasting time they responded back to me and asked for my details without stressing me i forward my details down to them and within the next 3 hours i received an alert from my bank about the loan i was so happy and i thanked my friend and thanked the loan company too so i quickly pay for my rent and my child medication also, am here to help for those who are looking for all type of loan there are still legit company outside there waiting to give you that loan you can contact the company now on their email.. standardbankloanfirm1@gmail.com and i want you all to also join me thank the company for this wonderful work and pray to God to bless them more.

Christian Coleman
10 days ago
Hello every body in this site my Name is Christian Coleman and am from USA i want to testify how i was rescued by a loan company called standardbankloanfirm1, i have look for a loan of 35000USD for over four months now to pay for my rent and pay for my child medication i feel in the hands of two online lenders that ate my money during the four months without giving me any loan instead i was scam by them and i never knew what to do, until one day i went to met a friend of my who i explained everything that has been happening to me now she felt bad for me and she remembered she had a friend who work in a loan company she contacted them and gave me their email at first i was not really interested because i told my self i will never look for a loan again because of what happened she encourage me and gave me hope to try them so i contacted them on their email without wasting time they responded back to me and asked for my details without stressing me i forward my details down to them and within the next 3 hours i received an alert from my bank about the loan i was so happy and i thanked my friend and thanked the loan company too so i quickly pay for my rent and my child medication also, am here to help for those who are looking for all type of loan there are still legit company outside there waiting to give you that loan you can contact the company now on their email.. standardbankloanfirm1@gmail.com and i want you all to also join me thank the company for this wonderful work and pray to God to bless them more.

mike
10 days ago
Hello, i am Mr mark a private loan lender who gives life time opportunity loans. Do you need an urgent loan to clear your debts or you need a capital loan to improve your business? have you been rejected by banks and other financial agencies? Do you need a consolidation loan or a mortgage? search no more as we are here to make all your financial problems a thing of the past. We loan funds out to individuals in need of financial assistance, that have a bad credit or in need of money to pay bills,to invest on business at a rate of 2%. I want to use this medium to inform you that we render reliable and beneficiary assistance and will be willing to offer you a loan. So email us today on microfinanceloanfirm61@gmail.com we await your swift respond best regards mr mark Hello everybody, I am Mrs Reeves,currently living in Taxes,USA.I am a widow at the moment with three kids and i was stuck in a financial situation by July 2014 and i needed to refinance and pay my bills.I tried seeking loans from various loan firms both private and corporate but never with success,and most banks declined my credit.But as God would have it,i was introduced to a man of God a private loan lender by a friend named Mr Malcolm and i got a loan sum of $500,000USD and today am a business owner and my kids are doing well at the moment.So dear,if you must contact any firm with reference to securing a loan with low interest rate of 3% and better repayment plans and schedule,please contact MR MIKE .He doesn’t know that am doing this but am so happy now and i decided to let people know more about him,He offers all kinds of loans to both individuals and company and also i want God to bless him more.You can contact him through his email via; microfinanceloanfirm61@gmail.com

reveel
10 days ago
Hello everybody, I am Mrs Reeves,currently living in Taxes,USA.I am a widow at the moment with three kids and i was stuck in a financial situation by July 2014 and i needed to refinance and pay my bills.I tried seeking loans from various loan firms both private and corporate but never with success,and most banks declined my credit.But as God would have it,i was introduced to a man of God a private loan lender by a friend named Mr Malcolm and i got a loan sum of $500,000USD and today am a business owner and my kids are doing well at the moment.So dear,if you must contact any firm with reference to securing a loan with low interest rate of 3% and better repayment plans and schedule,please contact MR MIKE .He doesn’t know that am doing this but am so happy now and i decided to let people know more about him,He offers all kinds of loans to both individuals and company and also i want God to bless him more.You can contact him through his email via; microfinanceloanfirm61@gmail.com

reveel
10 days ago
Hello everybody, I am Mrs Reeves,currently living in Taxes,USA.I am a widow at the moment with three kids and i was stuck in a financial situation by July 2014 and i needed to refinance and pay my bills.I tried seeking loans from various loan firms both private and corporate but never with success,and most banks declined my credit.But as God would have it,i was introduced to a man of God a private loan lender by a friend named Mr Malcolm and i got a loan sum of $500,000USD and today am a business owner and my kids are doing well at the moment.So dear,if you must contact any firm with reference to securing a loan with low interest rate of 3% and better repayment plans and schedule,please contact MR MIKE .He doesn’t know that am doing this but am so happy now and i decided to let people know more about him,He offers all kinds of loans to both individuals and company and also i want God to bless him more.You can contact him through his email via; microfinanceloanfirm61@gmail.com

rafael joey
10 days ago
RAFAEL JOEY FUNDS / LOAN OFFER APPLY   RAFAEL JOEY  COMPANY is an international company responsible for investing and also assisting persons financially with loan. The opportunity is here for you to get what you have been searching for as we invest and also offer all type of loans to interested persons for any purpose. Have you been turned down by other lenders or banks, Rafael Joey company is here to assist you with the funds you need at any credit rate. We help investors, enterpreneur, individuals and companies get the funding they need to establish. We invest on properties/business and also offer Start-up loans, Property/Business loans,  Investment loans, Agricultural Loan, Rehab/Expansion loans, Personal loans, Educational Loans,  Real estate loans, JV Capital/ Construction loans, Mobile home loan, Debt free loans, Equity/Refinance loans e.t.c to interested persons from any country. If you need investor or loan, do contact us through this email for your request and we will help you get what you need. rafaeljoey@blumail.org

Mr kenet mark
13 days ago
Hello, i am Mr kenet mark a private loan lender who gives life time opportunity loans. Do you need an urgent loan to clear your debts or you need a capital loan to improve your business? have you been rejected by banks and other financial agencies? Do you need a consolidation loan or a mortgage? search no more as we are here to make all your financial problems a thing of the past. We loan funds out to individuals in need of financial assistance, that have a bad credit or in need of money to pay bills,to invest on business at a rate of 3%. I want to use this medium to inform you that we render reliable and beneficiary assistance and will be willing to offer you a loan. So email us today on : oceanfinanceloancompany646@gmail.com  we await your swift response best regards Mr kenet mark.....

Mr kenet mark
13 days ago
Hello, i am Mr kenet mark a private loan lender who gives life time opportunity loans. Do you need an urgent loan to clear your debts or you need a capital loan to improve your business? have you been rejected by banks and other financial agencies? Do you need a consolidation loan or a mortgage? search no more as we are here to make all your financial problems a thing of the past. We loan funds out to individuals in need of financial assistance, that have a bad credit or in need of money to pay bills,to invest on business at a rate of 3%. I want to use this medium to inform you that we render reliable and beneficiary assistance and will be willing to offer you a loan. So email us today on : oceanfinanceloancompany646@gmail.com  we await your swift response best regards Mr kenet mark.....

Mr kenet mark
13 days ago
Hello, i am Mr kenet mark a private loan lender who gives life time opportunity loans. Do you need an urgent loan to clear your debts or you need a capital loan to improve your business? have you been rejected by banks and other financial agencies? Do you need a consolidation loan or a mortgage? search no more as we are here to make all your financial problems a thing of the past. We loan funds out to individuals in need of financial assistance, that have a bad credit or in need of money to pay bills,to invest on business at a rate of 3%. I want to use this medium to inform you that we render reliable and beneficiary assistance and will be willing to offer you a loan. So email us today on : oceanfinanceloancompany646@gmail.com  we await your swift response best regards Mr kenet mark.....

Mr kenet mark
13 days ago
Hello, i am Mr kenet mark a private loan lender who gives life time opportunity loans. Do you need an urgent loan to clear your debts or you need a capital loan to improve your business? have you been rejected by banks and other financial agencies? Do you need a consolidation loan or a mortgage? search no more as we are here to make all your financial problems a thing of the past. We loan funds out to individuals in need of financial assistance, that have a bad credit or in need of money to pay bills,to invest on business at a rate of 3%. I want to use this medium to inform you that we render reliable and beneficiary assistance and will be willing to offer you a loan. So email us today on : oceanfinanceloancompany646@gmail.com  we await your swift response best regards Mr kenet mark.....

Mrs Kate
16 days ago
I am Mrs Kate lord .I am so delighted helping people who are in need. Be informed that i am honestly willing to help you with your requested loan and the loan i offer to people is a low interest rate of 3% which is very affordable.My aim is to help you with your requested loan to help solve your situation.A repayment terms will be figured out for the repayment of the loan and i want you to know before you can be granted this loan,you have to be above 18 years of age and also you have to be honest and co-operative. And we provides a number of financial assistance programs for small businesses including personal mortgage loans, home loans, car loans, company loans, start up business Loans. Contact the company via email: wayne.matthewloanhome@outlook.com

Mrs Kate
16 days ago
I am Mrs Kate lord .I am so delighted helping people who are in need. Be informed that i am honestly willing to help you with your requested loan and the loan i offer to people is a low interest rate of 3% which is very affordable.My aim is to help you with your requested loan to help solve your situation.A repayment terms will be figured out for the repayment of the loan and i want you to know before you can be granted this loan,you have to be above 18 years of age and also you have to be honest and co-operative. And we provides a number of financial assistance programs for small businesses including personal mortgage loans, home loans, car loans, company loans, start up business Loans. Contact the company via email: wayne.matthewloanhome@outlook.com

Mrs Kate
16 days ago
I am Mrs Kate lord .I am so delighted helping people who are in need. Be informed that i am honestly willing to help you with your requested loan and the loan i offer to people is a low interest rate of 3% which is very affordable.My aim is to help you with your requested loan to help solve your situation.A repayment terms will be figured out for the repayment of the loan and i want you to know before you can be granted this loan,you have to be above 18 years of age and also you have to be honest and co-operative. And we provides a number of financial assistance programs for small businesses including personal mortgage loans, home loans, car loans, company loans, start up business Loans. Contact the company via email: wayne.matthewloanhome@outlook.com

Mrs Kate
16 days ago
I am Mrs Kate lord .I am so delighted helping people who are in need. Be informed that i am honestly willing to help you with your requested loan and the loan i offer to people is a low interest rate of 3% which is very affordable.My aim is to help you with your requested loan to help solve your situation.A repayment terms will be figured out for the repayment of the loan and i want you to know before you can be granted this loan,you have to be above 18 years of age and also you have to be honest and co-operative. And we provides a number of financial assistance programs for small businesses including personal mortgage loans, home loans, car loans, company loans, start up business Loans. Contact the company via email: wayne.matthewloanhome@outlook.com

Mrs Kate
16 days ago
I am Mrs Kate lord .I am so delighted helping people who are in need. Be informed that i am honestly willing to help you with your requested loan and the loan i offer to people is a low interest rate of 3% which is very affordable.My aim is to help you with your requested loan to help solve your situation.A repayment terms will be figured out for the repayment of the loan and i want you to know before you can be granted this loan,you have to be above 18 years of age and also you have to be honest and co-operative. And we provides a number of financial assistance programs for small businesses including personal mortgage loans, home loans, car loans, company loans, start up business Loans. Contact the company via email: wayne.matthewloanhome@outlook.com

Mrs Kate
16 days ago
I am Mrs Kate lord .I am so delighted helping people who are in need. Be informed that i am honestly willing to help you with your requested loan and the loan i offer to people is a low interest rate of 3% which is very affordable.My aim is to help you with your requested loan to help solve your situation.A repayment terms will be figured out for the repayment of the loan and i want you to know before you can be granted this loan,you have to be above 18 years of age and also you have to be honest and co-operative. And we provides a number of financial assistance programs for small businesses including personal mortgage loans, home loans, car loans, company loans, start up business Loans. Contact the company via email: wayne.matthewloanhome@outlook.com

Mrs Kate
16 days ago
I am Mrs Kate lord .I am so delighted helping people who are in need. Be informed that i am honestly willing to help you with your requested loan and the loan i offer to people is a low interest rate of 3% which is very affordable.My aim is to help you with your requested loan to help solve your situation.A repayment terms will be figured out for the repayment of the loan and i want you to know before you can be granted this loan,you have to be above 18 years of age and also you have to be honest and co-operative. And we provides a number of financial assistance programs for small businesses including personal mortgage loans, home loans, car loans, company loans, start up business Loans. Contact the company via email: wayne.matthewloanhome@outlook.com

Douglas Rodgers
16 days ago
Hello,   Are you in a financial problem?,Do you have bills to settle? or do you need a loan to setup a profitable business? Have you search for loans elsewhere and you have been disappointed? Worry no more my dear friend.DOUGLAS RODGERS LOAN FIRM Guarantees credible loans with easy steps, no credit checks, no collateral and a low interest rate of 2%. Contact us today via Douglasrodgersloanfirm@live.com

Douglas Rodgers
16 days ago
Hello,   Are you in a financial problem?,Do you have bills to settle? or do you need a loan to setup a profitable business? Have you search for loans elsewhere and you have been disappointed? Worry no more my dear friend.DOUGLAS RODGERS LOAN FIRM Guarantees credible loans with easy steps, no credit checks, no collateral and a low interest rate of 2%. Contact us today via Douglasrodgersloanfirm@live.com

Douglas Rodgers
16 days ago
Hello,   Are you in a financial problem?,Do you have bills to settle? or do you need a loan to setup a profitable business? Have you search for loans elsewhere and you have been disappointed? Worry no more my dear friend.DOUGLAS RODGERS LOAN FIRM Guarantees credible loans with easy steps, no credit checks, no collateral and a low interest rate of 2%. Contact us today via Douglasrodgersloanfirm@live.com

jose rich
17 days ago
DO You have all kinds of financial problems? NEED A LOAN TO CLEAR DEBTS? ARE YOU IN FINANCIAL CRISIS? YOUR CREDIT CASH FOR YOU ORIGINAL CONFIDENCE, WE ARE RELIABLE THAT DEAL WITH ALL KINDS OF CREDITS SEE BELOW. WE ARE REGISTERED AND LICENSED COMPANY TO GIVE OUT LOAN AT 2% AT THE MINIMUM DURATION OF 6 MONTHS AND A MAXIMUM DURATION OF 30 YEARS. WE GIVE OUT LOAN AT MINIMUM OF 2000 TO A MAXIMUM OF 50000000 WITH ALL CURRENCY IN THE WORLDWIDE WE OFFER THE VARIOUS SERVICES BELOW * Personal Loans (Secure and Unsecured) * Business Loans (Secure and Unsecured) * Home Improvement * Inventor Loans * Auto Loans * Marriage * Mortgage loan * Health Loan etc. .. so If you are interested please get back to us so that via our email joserichloanlender@yandex.com or you can also reach us through our office line +447024082749 so that we can give you further information on our financial services we offer worldwide.

jose rich
17 days ago
DO You have all kinds of financial problems? NEED A LOAN TO CLEAR DEBTS? ARE YOU IN FINANCIAL CRISIS? YOUR CREDIT CASH FOR YOU ORIGINAL CONFIDENCE, WE ARE RELIABLE THAT DEAL WITH ALL KINDS OF CREDITS SEE BELOW. WE ARE REGISTERED AND LICENSED COMPANY TO GIVE OUT LOAN AT 2% AT THE MINIMUM DURATION OF 6 MONTHS AND A MAXIMUM DURATION OF 30 YEARS. WE GIVE OUT LOAN AT MINIMUM OF 2000 TO A MAXIMUM OF 50000000 WITH ALL CURRENCY IN THE WORLDWIDE WE OFFER THE VARIOUS SERVICES BELOW * Personal Loans (Secure and Unsecured) * Business Loans (Secure and Unsecured) * Home Improvement * Inventor Loans * Auto Loans * Marriage * Mortgage loan * Health Loan etc. .. so If you are interested please get back to us so that via our email joserichloanlender@yandex.com or you can also reach us through our office line +447024082749 so that we can give you further information on our financial services we offer worldwide.

jose rich
17 days ago
DO You have all kinds of financial problems? NEED A LOAN TO CLEAR DEBTS? ARE YOU IN FINANCIAL CRISIS? YOUR CREDIT CASH FOR YOU ORIGINAL CONFIDENCE, WE ARE RELIABLE THAT DEAL WITH ALL KINDS OF CREDITS SEE BELOW. WE ARE REGISTERED AND LICENSED COMPANY TO GIVE OUT LOAN AT 2% AT THE MINIMUM DURATION OF 6 MONTHS AND A MAXIMUM DURATION OF 30 YEARS. WE GIVE OUT LOAN AT MINIMUM OF 2000 TO A MAXIMUM OF 50000000 WITH ALL CURRENCY IN THE WORLDWIDE WE OFFER THE VARIOUS SERVICES BELOW * Personal Loans (Secure and Unsecured) * Business Loans (Secure and Unsecured) * Home Improvement * Inventor Loans * Auto Loans * Marriage * Mortgage loan * Health Loan etc. .. so If you are interested please get back to us so that via our email joserichloanlender@yandex.com or you can also reach us through our office line +447024082749 so that we can give you further information on our financial services we offer worldwide.

Mrs Mary Smith
18 days ago
Hello Beloved People, I am Mrs. Mary Smith am writing this letter because am really grateful for what  Mrs.Clara Morgan did for me and my family, when I thought there was no hope she came and make my family feel alive again by leading us loan of low interest rate of 3% I never thought that there are still genuine loan lenders in the Net but to my surprise i got my loan without wasting much time so if you are out there looking for a loan of any amount i would like you to email VIA (clara_morgan@outlook.com) I wish you all success Regards Mrs  Mary Smith

Mrs Mary Smith
18 days ago
Hello Beloved People, I am Mrs. Mary Smith am writing this letter because am really grateful for what  Mrs.Clara Morgan did for me and my family, when I thought there was no hope she came and make my family feel alive again by leading us loan of low interest rate of 3% I never thought that there are still genuine loan lenders in the Net but to my surprise i got my loan without wasting much time so if you are out there looking for a loan of any amount i would like you to email VIA (clara_morgan@outlook.com) I wish you all success Regards Mrs  Mary Smith

Mrs Kathrine Lisa
19 days ago
My name is Mrs Kathrine Lisa, i am from Chicago USA, married, i have been searching for a genuine loan company for the past 3 months and all i got was bunch of scams who made me to trust them and at the end of the day, they took my money without giving anything in return, all my hope was lost, i got confused and frustrated, i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net, so went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my greatest surprise i got the loan within 24 hours, i could not believe, i am happy and rich again and i am thanking God that such loan companies like this still exist upon this scams all over the places, please i advise everyone out there who are in need of loan to go for  juliansmiths2014@hotmail.com they will never fail, your life shall change as mine did.

Mrs Kathrine Lisa
19 days ago
My name is Mrs Kathrine Lisa, i am from Chicago USA, married, i have been searching for a genuine loan company for the past 3 months and all i got was bunch of scams who made me to trust them and at the end of the day, they took my money without giving anything in return, all my hope was lost, i got confused and frustrated, i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net, so went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my greatest surprise i got the loan within 24 hours, i could not believe, i am happy and rich again and i am thanking God that such loan companies like this still exist upon this scams all over the places, please i advise everyone out there who are in need of loan to go for  juliansmiths2014@hotmail.com they will never fail, your life shall change as mine did.

Mrs Kathrine Lisa
19 days ago
My name is Mrs Kathrine Lisa, i am from Chicago USA, married, i have been searching for a genuine loan company for the past 3 months and all i got was bunch of scams who made me to trust them and at the end of the day, they took my money without giving anything in return, all my hope was lost, i got confused and frustrated, i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net, so went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my greatest surprise i got the loan within 24 hours, i could not believe, i am happy and rich again and i am thanking God that such loan companies like this still exist upon this scams all over the places, please i advise everyone out there who are in need of loan to go for  juliansmiths2014@hotmail.com they will never fail, your life shall change as mine did.

Mrs Kathrine Lisa
19 days ago
HERE IS MY TESTIMONY ON HOW I GOT MY LOAN My name is Mrs Kathrine Lisa, i am from Chicago USA, married, i have been searching for a genuine loan company for the past 3 months and all i got was bunch of scams who made me to trust them and at the end of the day, they took my money without giving anything in return, all my hope was lost, i got confused and frustrated, i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net, so went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my greatest surprise i got the loan within 24 hours, i could not believe, i am happy and rich again and i am thanking God that such loan companies like this still exist upon this scams all over the places, please i advise everyone out there who are in need of loan to go for  juliansmiths2014@hotmail.com they will never fail, your life shall change as mine did.

Mrs Kathrine Lisa
19 days ago
HERE IS MY TESTIMONY ON HOW I GOT MY LOAN My name is Mrs Kathrine Lisa, i am from Chicago USA, married, i have been searching for a genuine loan company for the past 3 months and all i got was bunch of scams who made me to trust them and at the end of the day, they took my money without giving anything in return, all my hope was lost, i got confused and frustrated, i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net, so went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my greatest surprise i got the loan within 24 hours, i could not believe, i am happy and rich again and i am thanking God that such loan companies like this still exist upon this scams all over the places, please i advise everyone out there who are in need of loan to go for  juliansmiths2014@hotmail.com they will never fail, your life shall change as mine did.

Mrs Kathrine Lisa
19 days ago
HERE IS MY TESTIMONY ON HOW I GOT MY LOAN My name is Mrs Kathrine Lisa, i am from Chicago USA, married, i have been searching for a genuine loan company for the past 3 months and all i got was bunch of scams who made me to trust them and at the end of the day, they took my money without giving anything in return, all my hope was lost, i got confused and frustrated, i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net, so went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my greatest surprise i got the loan within 24 hours, i could not believe, i am happy and rich again and i am thanking God that such loan companies like this still exist upon this scams all over the places, please i advise everyone out there who are in need of loan to go for  juliansmiths2014@hotmail.com they will never fail, your life shall change as mine did.

Mrs Kathrine Lisa
19 days ago
HERE IS MY TESTIMONY ON HOW I GOT MY LOAN My name is Mrs Kathrine Lisa, i am from Chicago USA, married, i have been searching for a genuine loan company for the past 3 months and all i got was bunch of scams who made me to trust them and at the end of the day, they took my money without giving anything in return, all my hope was lost, i got confused and frustrated, i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net, so went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my greatest surprise i got the loan within 24 hours, i could not believe, i am happy and rich again and i am thanking God that such loan companies like this still exist upon this scams all over the places, please i advise everyone out there who are in need of loan to go for  juliansmiths2014@hotmail.com they will never fail, your life shall change as mine did.

Mrs Kathrine Lisa
19 days ago
HERE IS MY TESTIMONY ON HOW I GOT MY LOAN My name is Mrs Kathrine Lisa, i am from Chicago USA, married, i have been searching for a genuine loan company for the past 3 months and all i got was bunch of scams who made me to trust them and at the end of the day, they took my money without giving anything in return, all my hope was lost, i got confused and frustrated, i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net, so went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my greatest surprise i got the loan within 24 hours, i could not believe, i am happy and rich again and i am thanking God that such loan companies like this still exist upon this scams all over the places, please i advise everyone out there who are in need of loan to go for  juliansmiths2014@hotmail.com they will never fail, your life shall change as mine did.

Mrs Kathrine Lisa
19 days ago
HERE IS MY TESTIMONY ON HOW I GOT MY LOAN My name is Mrs Kathrine Lisa, i am from Chicago USA, married, i have been searching for a genuine loan company for the past 3 months and all i got was bunch of scams who made me to trust them and at the end of the day, they took my money without giving anything in return, all my hope was lost, i got confused and frustrated, i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net, so went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my greatest surprise i got the loan within 24 hours, i could not believe, i am happy and rich again and i am thanking God that such loan companies like this still exist upon this scams all over the places, please i advise everyone out there who are in need of loan to go for  juliansmiths2014@hotmail.com they will never fail, your life shall change as mine did.

Mrs Kathrine Lisa
19 days ago
HERE IS MY TESTIMONY ON HOW I GOT MY LOAN My name is Mrs Kathrine Lisa, i am from Chicago USA, married, i have been searching for a genuine loan company for the past 3 months and all i got was bunch of scams who made me to trust them and at the end of the day, they took my money without giving anything in return, all my hope was lost, i got confused and frustrated, i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net, so went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my greatest surprise i got the loan within 24 hours, i could not believe, i am happy and rich again and i am thanking God that such loan companies like this still exist upon this scams all over the places, please i advise everyone out there who are in need of loan to go for  juliansmiths2014@hotmail.com they will never fail, your life shall change as mine did.

Mrs Kathrine Lisa
19 days ago
HERE IS MY TESTIMONY ON HOW I GOT MY LOAN My name is Mrs Kathrine Lisa, i am from Chicago USA, married, i have been searching for a genuine loan company for the past 3 months and all i got was bunch of scams who made me to trust them and at the end of the day, they took my money without giving anything in return, all my hope was lost, i got confused and frustrated, i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net, so went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my greatest surprise i got the loan within 24 hours, i could not believe, i am happy and rich again and i am thanking God that such loan companies like this still exist upon this scams all over the places, please i advise everyone out there who are in need of loan to go for  juliansmiths2014@hotmail.com they will never fail, your life shall change as mine did.

Mrs Kathrine Lisa
19 days ago
HERE IS MY TESTIMONY ON HOW I GOT MY LOAN My name is Mrs Kathrine Lisa, i am from Chicago USA, married, i have been searching for a genuine loan company for the past 3 months and all i got was bunch of scams who made me to trust them and at the end of the day, they took my money without giving anything in return, all my hope was lost, i got confused and frustrated, i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net, so went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my greatest surprise i got the loan within 24 hours, i could not believe, i am happy and rich again and i am thanking God that such loan companies like this still exist upon this scams all over the places, please i advise everyone out there who are in need of loan to go for  juliansmiths2014@hotmail.com they will never fail, your life shall change as mine did.

Mr Richard Tomas
24 days ago
This is to notify the general public that Elite Loan Service (ELS) has   opened an opportunity to everyone in need of financial help. We give out   loans to serious minded individuals, Firms and Companies who are in need   of financial assistance either for Personal, or for Business  purpose at   a low interest rate of 2% for a minimum amount of $5,000.00 and a maximum   amount of $2.500,000.00. Contact us today  with the information below.   (1)  First name:   (2)  Last name:   (3)  Sex:   (4)  Marital Status:   (5)  Date of Birth:   (6)  Next Of Kin:   (7)  Country:   (8)  State/Province:   (9) Postal / Zip code:   (10) Occupation:   (11) Work Address:   (12) Mobile / Phone:   (13) Amount Needed As Loan:   (14) Purpose of Loan:   (15) Duration: Interested Individuals, Firms And Companies Should Fill And Submit The Application Form Via Email To (richardfinance806@gmail.com)For Processing And Release Of Loan Funds Thanks! Regards, Mr Richard Tomas.

Mr Richard Tomas
24 days ago
This is to notify the general public that Elite Loan Service (ELS) has   opened an opportunity to everyone in need of financial help. We give out   loans to serious minded individuals, Firms and Companies who are in need   of financial assistance either for Personal, or for Business  purpose at   a low interest rate of 2% for a minimum amount of $5,000.00 and a maximum   amount of $2.500,000.00. Contact us today  with the information below.   (1)  First name:   (2)  Last name:   (3)  Sex:   (4)  Marital Status:   (5)  Date of Birth:   (6)  Next Of Kin:   (7)  Country:   (8)  State/Province:   (9) Postal / Zip code:   (10) Occupation:   (11) Work Address:   (12) Mobile / Phone:   (13) Amount Needed As Loan:   (14) Purpose of Loan:   (15) Duration: Interested Individuals, Firms And Companies Should Fill And Submit The Application Form Via Email To (richardfinance806@gmail.com)For Processing And Release Of Loan Funds Thanks! Regards, Mr Richard Tomas.

Shola Clark
26 days ago
Do you need an urgent loan or financial service? contact charitycorporation@gmail.com

Shola Clark
26 days ago
Do you need an urgent loan or financial service? contact charitycorporation@gmail.com

Mrs Helley Jenna
27 days ago
My Name Is Mrs Helley Jenna I want You all To be careful there.nobody can help you here or even suggest how you can get financial help.any answer of a loan lender to your question,you MUST ignore,because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars…well thank God for a Tony Tarton Loan Company I was referred to by my cousin,who is by name,Mr.Shepherd Luis Of pay day loan firm.They made my life a valuable one,and gave it a meaning.I was approved loan of $78,000.00 USD AND IN 28 HOURS after meeting up to their necessary requirements,my loan was deposited in my bank account.Though I was very nervous with the loan company at the first place due to my previous bad experiences,especially when the issue of me settling the transfer charges came up,I hold on to my faith due to the fact that my relative referred me,got it cleared,and as God should have it.little did I know that my financial shortcomings has come to a final HALT .If not for that quick referral from a relative of that genuine source ,I would have regretted my total life,because at that point in time I just divorced the father of my daughter,and my daughter (Beliana) was faced with a ” between life and death ” situation ..I was faced with her hospital bills and was also faced with foreclosure at my apartment.Details of the GOD SENT and RELIEVING source won’t be disclosed to you for now, for fear of impersonation ( because it has being discovered that some persons are not really in need of financial help,but are there to impersonate real loan lenders through their phone numbers and email accounts,and acting to be them where necessary to those in real need)…I couldn’t comment on your post because it was a public place and I fear you would fall into the hand of all these fraudulent loan officers (even in US) like how they ripped me off.You must be able to convince me real hard,and provide good proofs,before I can give you the full details of this legitimate loan officer..Their charge is very affordable and reliable compare to many out there,their interest rates just 2%,little documentation,and little credit check(irrespective of your credit score,but you MUST have a good and liable income source) His Name is Mr Tony Harton, Feel free to email him at his via Email:tonyharton2@gmail.com”and you will be free from scams. thanks as you read the greatest testimony of my life. Mrs Helley Jenna

Mr Mathew Gray
27 days ago
HERE IS MY TESTIMONY ON HOW I GOT MY LOAN  My name is Mr Mathew Gray a citizen of USA. i have been scammed by 6 different Internet international lender, they all promise to give me a loan after making me pay several fees which yield nothing and amounted to no positive result. i lost my hard earn money and it was a total of 10,000USD. One day as i was browsing through the internet with tears on my eye i came across a testimony of man who was also scammed and eventually got linked to a legit loan company called Tony Harton Loan Company where he finally got his loan, so i decided to contact the same loan company and then told them my story on how i have been scammed by 6 different lenders who did nothing but to course me more pain. I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them. i filled the loan application form and proceeded with all that was requested of me and I was given a loan amount of $78,000 Dollars by this great Company (TONY HARTON LOAN COMPANY} managed by Mr.Michael David and here i am today happy because TONY HARTON COMPANY has given me a loan so i made a vow to my self that i will keep testifying on the internet on how i got my loan. Do you need a loan urgently kindly and quickly contact Tony Harton Loan Company now for your loan via email: tonyharton2@gmail.com Thank You All For Your Understanding, Mr Mathew Gray

Mr Mathew Gray
27 days ago
HERE IS MY TESTIMONY ON HOW I GOT MY LOAN  My name is Mr Mathew Gray a citizen of USA. i have been scammed by 6 different Internet international lender, they all promise to give me a loan after making me pay several fees which yield nothing and amounted to no positive result. i lost my hard earn money and it was a total of 10,000USD. One day as i was browsing through the internet with tears on my eye i came across a testimony of man who was also scammed and eventually got linked to a legit loan company called Tony Harton Loan Company where he finally got his loan, so i decided to contact the same loan company and then told them my story on how i have been scammed by 6 different lenders who did nothing but to course me more pain. I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them. i filled the loan application form and proceeded with all that was requested of me and I was given a loan amount of $78,000 Dollars by this great Company (TONY HARTON LOAN COMPANY} managed by Mr.Michael David and here i am today happy because TONY HARTON COMPANY has given me a loan so i made a vow to my self that i will keep testifying on the internet on how i got my loan. Do you need a loan urgently kindly and quickly contact Tony Harton Loan Company now for your loan via email: tonyharton2@gmail.com Thank You All For Your Understanding, Mr Mathew Gray

Mr Mathew Gray
27 days ago
HERE IS MY TESTIMONY ON HOW I GOT MY LOAN  My name is Mr Mathew Gray a citizen of USA. i have been scammed by 6 different Internet international lender, they all promise to give me a loan after making me pay several fees which yield nothing and amounted to no positive result. i lost my hard earn money and it was a total of 10,000USD. One day as i was browsing through the internet with tears on my eye i came across a testimony of man who was also scammed and eventually got linked to a legit loan company called Tony Harton Loan Company where he finally got his loan, so i decided to contact the same loan company and then told them my story on how i have been scammed by 6 different lenders who did nothing but to course me more pain. I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them. i filled the loan application form and proceeded with all that was requested of me and I was given a loan amount of $78,000 Dollars by this great Company (TONY HARTON LOAN COMPANY} managed by Mr.Michael David and here i am today happy because TONY HARTON COMPANY has given me a loan so i made a vow to my self that i will keep testifying on the internet on how i got my loan. Do you need a loan urgently kindly and quickly contact Tony Harton Loan Company now for your loan via email: tonyharton2@gmail.com Thank You All For Your Understanding, Mr Mathew Gray

miller
27 days ago
LOAN AFFORDABLE OFFER  We are certified Loan lender that offers loan to people who are in need of loans. We gives out loans for project, business, taxes, bills, and so many others reasons.  We operate at 3% interest rate. There is more to gain by getting a loan from this company,  we give out loan from $2,000 to $5,000,000,000.00 please contact ASAP  via zamillsteel@yahoo.com

miller
27 days ago
LOAN AFFORDABLE OFFER  We are certified Loan lender that offers loan to people who are in need of loans. We gives out loans for project, business, taxes, bills, and so many others reasons.  We operate at 3% interest rate. There is more to gain by getting a loan from this company,  we give out loan from $2,000 to $5,000,000,000.00 please contact ASAP  via zamillsteel@yahoo.com

miller
27 days ago
LOAN AFFORDABLE OFFER  We are certified Loan lender that offers loan to people who are in need of loans. We gives out loans for project, business, taxes, bills, and so many others reasons.  We operate at 3% interest rate. There is more to gain by getting a loan from this company,  we give out loan from $2,000 to $5,000,000,000.00 please contact ASAP  via zamillsteel@yahoo.com

miller
27 days ago
LOAN AFFORDABLE OFFER  We are certified Loan lender that offers loan to people who are in need of loans. We gives out loans for project, business, taxes, bills, and so many others reasons.  We operate at 3% interest rate. There is more to gain by getting a loan from this company,  we give out loan from $2,000 to $5,000,000,000.00 please contact ASAP  via zamillsteel@yahoo.com

miller
27 days ago
LOAN AFFORDABLE OFFER  We are certified Loan lender that offers loan to people who are in need of loans. We gives out loans for project, business, taxes, bills, and so many others reasons.  We operate at 3% interest rate. There is more to gain by getting a loan from this company,  we give out loan from $2,000 to $5,000,000,000.00 please contact ASAP  via zamillsteel@yahoo.com

miller
27 days ago
LOAN AFFORDABLE OFFER  We are certified Loan lender that offers loan to people who are in need of loans. We gives out loans for project, business, taxes, bills, and so many others reasons.  We operate at 3% interest rate. There is more to gain by getting a loan from this company,  we give out loan from $2,000 to $5,000,000,000.00 please contact ASAP  via zamillsteel@yahoo.com

miller
27 days ago
LOAN AFFORDABLE OFFER  We are certified Loan lender that offers loan to people who are in need of loans. We gives out loans for project, business, taxes, bills, and so many others reasons.  We operate at 3% interest rate. There is more to gain by getting a loan from this company,  we give out loan from $2,000 to $5,000,000,000.00 please contact ASAP  via zamillsteel@yahoo.com

miller
27 days ago
LOAN AFFORDABLE OFFER  We are certified Loan lender that offers loan to people who are in need of loans. We gives out loans for project, business, taxes, bills, and so many others reasons.  We operate at 3% interest rate. There is more to gain by getting a loan from this company,  we give out loan from $2,000 to $5,000,000,000.00 please contact ASAP  via zamillsteel@yahoo.com

miller
27 days ago
LOAN AFFORDABLE OFFER  We are certified Loan lender that offers loan to people who are in need of loans. We gives out loans for project, business, taxes, bills, and so many others reasons.  We operate at 3% interest rate. There is more to gain by getting a loan from this company,  we give out loan from $2,000 to $5,000,000,000.00 please contact ASAP  via zamillsteel@yahoo.com

miller
27 days ago
LOAN AFFORDABLE OFFER  We are certified Loan lender that offers loan to people who are in need of loans. We gives out loans for project, business, taxes, bills, and so many others reasons.  We operate at 3% interest rate. There is more to gain by getting a loan from this company,  we give out loan from $2,000 to $5,000,000,000.00 please contact ASAP  via zamillsteel@yahoo.com

miller
27 days ago
LOAN AFFORDABLE OFFER  We are certified Loan lender that offers loan to people who are in need of loans. We gives out loans for project, business, taxes, bills, and so many others reasons.  We operate at 3% interest rate. There is more to gain by getting a loan from this company,  we give out loan from $2,000 to $5,000,000,000.00 please contact ASAP  via zamillsteel@yahoo.com

Yun Chung
247 days ago
YUN CHUNG LOAN FIRM! We are a Government Approved/Registered Financial Company. Are you in any financial crisis? Do you need a LOAN to refinance your home, or expand your business? Do you need LOAN to settle urgent debts and stay with one lender? Do you need LOAN to pay off your bills etc? We offer LOAN to individual & cooperate bodies in need of financial assistance at 3% interest rate without credit check or collateral. We offer Local & International LOAN! If you are interested in obtaining a LOAN, do not hesitate to send your request to us via e-mail: {yunchungloanfirm@yahoo.com.sg}




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