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Monday 23 January 2012

Two reasons why the Dutch housing and mortgage market is critically ill.


In this article I will give you two important reasons why the Dutch mortgage and housing market is really critically ill.

Reason One: The banks don’t lend mortgage money… at all. They don’t have it anymore.

Today, an Op-Ed was printed in the Dutch newspaper Trouw (www.trouw.nl). The author Rob Schouten, an independent mortgage-intermediary, complained on the circumstance that ABN AMRO, the third bank in The Netherlands, and almost all other banks, didn’t want to issue mortgage to financially stable customers… at all.

Here are the pertinent snips of the Op-Ed, in this case coming from the weblog of this independent intermediary:


The issuance of mortgages has stalled and banks almost stopped with handing out new mortgage loans. Of course the bad housing market in The Netherlands is an issue, but it is especially the reluctance of banks to hand out mortgages, that kept the issuance at a bare minimum.

I am annoyed by the stories that banks tell about their situation. These stories are not honest and fair.

Due to government measures, banks have less money or even no money at all to issue mortgage loans, as the banks have to deal with new and stricter capital demands. I understand that. 

But why do the banks act in the meantime, towards customers applying for a loan, like everything is hunky-dory while it isn’t? Also to the outside world banks deny that they issue less mortgage loans or even won’t issue mortgage loans at all. ‘Oh no, we currently issue mortgages, just like we did before’ or ‘We like to help entrepreneurs with their financing issues’.

I have noticed for a considerable time now that banks in reality do everything in order to not having to issue mortgage loans. Already more than one year ago, an account manager of ABN Amro visited me with the following, urgent request: ’Dear Rob, please don’t apply for mortgage loans at our bank anymore; we simply don’t have money for it’. The account manager himself also considered it a strange request. 

The same bank rejected a request for a mortgage with a National Mortage Guarantee (NHG), after the first approver already had confirmed the loan. The collateral was OK, the salary and the taxation; everything was fine. The reason for the bank to reject the loan application? The applicant had overdrawn his current account a few times!

The long-term, safe standards for an NHG were suddenly totally ignored. No bank follows the standards for debt-to-income anymore. Customers are rejected. When I enter into a contract with a customer, I hear more and more often the following question: ´How did the customer get his savings´ money?´ A mortgage application with a small correction on the employer´s statement (an error in the postal code) led to a rejection, due to ´fraudulent changes´. A warning code for even the smallest arrears during the last five years at the Bureau of Credit Registration (BKR), leads irrevocably to a rejection. There is no exception possible at all.

Years and years of excess mortgages in The Netherlands led to a situation in which the Dutch customers are broke and the banks are broke too. I do sympathize with Rob Schouten, the mortgage intermediary in this Op-Ed. However, he is still a victim of the erroneous reasoning that everything was fine on the Dutch mortgage market, until the banks decided to tighten the terms for handing out mortgages.

Everything wasn´t fine in 2006! And it was time that this enduring mortgage madness ended. Now we finally seem to arrive in a situation where all Dutch stakeholders (except for the government yet) do agree on the fact that the Mortgage Interest Deduction (MID), in combination with the extremely low interest rates, has hugely disturbed the Dutch housing market. And that also agree that the Dutch mortgage debt of 120% of GDP is a ticking timebomb in The Netherlands.

The only medicine that helps now is debt destruction. As far as this concerns, The Netherlands is finally on its way now, but there is still a very long way to go.

Reason Two: Even if the customer is in arrears ‘forever’ the banks won’t foreclose anymore.

If you would tend to underestimate the seriousness of the current mortgage market situation in The Netherlands, please read then the pertinent snips of the following press release by ratings agency Fitch (www.fitchratings.com):


Fitch Ratings says that the low level of completed foreclosures in prime Dutch RMBS transactions is adding to the pressure on collateral performance. The comment follows the agency's review of 51 prime Dutch RMBS transactions, which resulted in 173 tranches being affirmed, 2 being upgraded and 22 being downgraded.

Dutch RMBS loans' performance has softened over recent quarters. This is mainly evidenced by an increase in the proportion of loans in arrears, particularly late-stage arrears. While Dutch RMBS transactions have historically reported extremely low arrears, an increasing proportion of transactions are now reporting three month plus arrears in excess of 1%.

"Increased arrears are only partly a result of deterioration in the fundamental credit quality of Dutch residential mortgages," says Ibrahim Kamara, Analyst in Fitch's European RMBS team. "They also reflect a reluctance of servicers to sell properties at auction in current stagnant market conditions. Certain transactions have not reported a single completed foreclosure for quarters at a time."

The Dutch mortgage market is characterised by high loan-to-value ratios. Consequently, the majority of loans in arrears are also in negative equity. Reported loss severities are typically higher on loans that have been foreclosed upon through a court auction process. However, the low level of activity in the residential market means that consensual sales have become more difficult to complete. These factors combine to not only reduce the incentive for servicers to complete foreclosures through forced sales, but also to reduce the volume of consensual sales.
"It is important to note that absolute arrears levels remain relatively low despite the recent increases, particularly when compared to other European jurisdictions," says Gavin Crawford, Associate Director in Fitch's European RMBS team. "However, the increase in late-stage arrears, which Fitch expects to persist in 2012, is causing a build-up in potential foreclosure stock."

Dutch RMBS transactions do not explicitly define what constitutes a loan default. Consequently, provisioning mechanisms are only activated upon realisation of a loss, meaning that no provisions are currently being made for the loans in late-stage arrears.

The normal situation is that when a person or family is too long in arrears, the mortgage is foreclosed upon. But not in The Netherlands. The banks rather kick the can down the road for the people in arrears, while waiting in vain for the housing prices to rise again, than to take a loss on the mortgage. Fitch is right when it says that the auction prices are extremely bad, while on the other hand the chances on a consensual sales are very, very slim indeed.

This makes the banks desperate: theirs is the choice between booking a certain loss after a foreclosure and waiting in vain until the customer in arrears solves his problem or sells the house at a reasonable price. Banks in majority choose the latter, unfortunately.

In my opinion this happens, because the banks don´t want to write off on their Residential Real Estate portfolio. As long as there are no market prices set for houses, the historical prices in their books are alright. But as soon as a house is sold at an auction, there is a market price. This market price does not only deliver a direct loss to the banks, but it also questions the value of the other collateral in their mortgage portfolio, being in arrears.

And one thing is certain in my opinion: when the four largest Dutch banks must seriously write-off on their mortgage portfolios and their housing portfolio, used as collateral, no bank will have positive equity anymore.

And that makes the Dutch housing and mortgage market critically ill!

136 comments:

  1. Hi Ernst.

    I found your website by chance, googling about mortgage default in the Netherlands...that's right, I'm another victim!

    Perhaps you could give me some quick advice - or at least share some knowledge since is so hard to find information on the subject. I have a house in Amsterdam and due to separation from my ex-partner, the situation now is very different than when we bought it. We're both expats, he still lives in the property but I no longer live in the country. I've been doing my outmost to keep paying my part of the mortgage, hoping the house will sell. It's been over a year the property is in the market with hardly any offers, except speculative ones about 30% less than our asking price.

    So, if you're still reading this blablabla, my question to you would be - what are the consequences of a default in the mortgage? The house's already been for sale for 14 months, so the bank can see we're trying to get the best price. But my main concern is the outstanding debt after an eventual sale does happen. How do banks normally deal with the remaining loss? What are the alternatives for debt relief for a person like me?

    Would be great to hear from you and thanks for working on such an interesting blog on the subject. Buying a house in the NL was an emotional move - in the direction of having a home, not an investment in the housing market - but life turned out to take me into a different direction and the current economy doesn't seem to forgive or even allow changes these days! Also, I've read in quite a few places that the expat community, like myself, is suffering with the housing crisis.

    All the best

    ReplyDelete
    Replies
    1. I am very sorry to read that the two of you broke up. And unfortunately, I don't have an easy advice.

      It is still possible to sell a house at the RIGHT price, but alas this is not the price that you want or need to have for it.

      If you want to sell your house more quickly, you need to move your sales price closer towards the 'speculative prices' you were talking about, as these are the prices that people are seemingly willing to pay.

      If I could give you one piece of advice, it is to talk with the bank that gave you the mortgage. Talk about your situation and about the fact that your house has been for sale for 14 months already. Ask them what kind of arrangements they can offer for a residual debt, when it emerges.

      Be proactive and please wait not until the economic sh*t hits the financial fan.

      I think that banks appreciate it when you step forward yourself.

      One other thing you could do is letting your house for rent, but do this only with a renowned and bonafide mediation bureau specialized in distinguished tenants with short contracts (preferably expats), as tenant protection is very strong in The Netherlands. And don't leave your house empty, because of the 'krakers'.

      Unfortunately I don't expect the housing market to recover quickly and I do expect the housing prices to drop for at least another 20%.

      But please don't give up and be proactive towards the people that gave you the mortgage. I hope this helped you a little and I wish you good luck with your situation.

      Regards,

      Ernst

      Delete

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  2. Hi Ernst
    many thanks for the reply, I was planning to talk to the bank, just needed to know if there were other alternatives. It's still unclear to me how residual debt after the sale is normally handled by the banks, as it looks we'll have to drop the price considerably to end this story. The loss might be significant and I couldn't find any information online on the subject.
    Kind regards.

    ReplyDelete
  3. I'm very sorry that I couldn't give you more detailed information. Concerning the way how banks will handle residual debt: I truly don't know, as it depends on the individual situation.

    In most cases, you can talk to banks in a decent way when you act proactive and solution-minded. However, if you wait until the very last moment with solving your problems, banks are not so 'nice' anymore. So it is good that you take the initiative to solve your problem.

    And of course I'm sorry to hear that you have to drop your price, but that is unfortunately a consequence of the insane housing market that we had between 1995 and 2006.

    Good luck and let me know how things went (you can use the email address in my profile, as I am the only person that reads it).

    Cheers,

    Ernst

    ReplyDelete
    Replies
    1. Hi Ernst,
      many thanks again, I'll definitely speak to the bank to find out more. Will keep you posted! Cheers!

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  6. Hi Ernst
    We are in the same position as the lady with the mortgage.
    Did she get any help from the bank?
    After 4 1/2 years of keeping up with the payments (had a tenant for one year who destroyed the house, and being in the position that we could only charge half of the payment for rent - council rules), we could not keep up any longer.
    We made an appointment to see if the matter can be resolved for all parties, we wrote a letter to the CEO of the bank, with the only reply the acknowledgement of our letter, they sold the house at auction for half of its worth. We have proof of all the correspondence. They have now, after 7 years completed their admin and has now sued us for the outstanding amount!
    So, I would really like to know if the banks was of ANY help to the other lady?
    The document they provided does not have any of our signatures and we are now waiting for that to be sent to us.




    ReplyDelete
  7. Hi Lurita, Thank you for your reaction to this article. I'm really sorry to hear about your current situation. Perhaps you can send me your story through a personal mail to my mail address, as displayed in my profile. Then I will turn it into a personal story: anonymous or with your name, if you want.
    Unfortunately, I did not hear from the aforementioned lady anymore. As most of my commentators respond anonymously, it is impossible to keep in touch with them. I hope she found a solution in the meantime and I hope that you will find one soon,

    Get in touch with me if you like.

    Kind regards,

    Ernst

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  37. My name is Mrs Abigail Mills we are a new legit loan lenders of 2018 and we like to help any body that need financial help we offer as from $500,000.00 and $5,000,000.00 and we also give out loans in euro above that so if you need help kindly send us an email on:abigailmills.loans227@gmail.com so that your loan transaction can take place now you will be with your loan in the next 8 hours it is a fast transfer and is safe without any delay. So Email:abigailmills.loans227@gmail.com if interested

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  38. Hello everyone my name is katheryn Liz Rhea am from San Francisco USA. I just received my loan now from Mrs Abigail Mills loan company they are new legit loan company of 2018 and it has not been long i received my loan from them i got my loan from them today and now as am posting this message i am very happy this company is real great so anyone that need a loan contact this company they are real great their mail is abigailmills.loans227@gmail.com

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  40. My name is Vonda Dionne i am from Los Angeles i just got my loan from a new legit loan company of 2018 and the name of the company that helped me with my loan today is Abigail Mills loan company they are the most lovely loan company i have ever came across with i applied for a loan from them yesterday and the only thing i did was pay the transfer fee which they said i should pay and immediately i make the payment in the next 12 hours time i was with my loan sorry i can not say how much they helped me with but it is a large amount of money so everyone if you need a real loan this is the right loan company to contact their mail address is abigailmills.loans227@gmail.com

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  41. Good day everyone my name is Donna Susan Patricia and i am from Houston, USA i want to use this chance i have now to write this message to the internet if anyone of you is looking for a loan real this is the right company to contact i am a business woman and i applied for a loan in a 2017 legit company and the name of the company is Abigail Mills loan company they have been helping people since 2016 and we are in 2018 now and i just received my loan from them so if anyone of you need a loan go and apply from them because they are real i just pray you people that need help with a loan don't get scammed that is why i am using this chance to write this message on the internet if you need a loan legit loan apply from this company so that you wont get scammed when you apply from the wrong company. their E-mail address is abigailmills.loans227@gmail.com.

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  42. My name is Kimberly Lori Cheryl and i am from US, San Jose i want to use this time to tell everyone on the internet on how i received my loan after been scammed 3 times i applied for a loan from Abigail Mills loan company yesterday i saw people testify about her good works and on how she helped people so i decided to apply and she told me what i needed to do i was scared but i did it this morning now i just received an alert from my bank there there money in my account and i checked the amount and it was my loan i am so happy. So i want to use this time and say to everyone on the internet that this company is real if you need a loan this company is the right company to apply from do not get scammed like me because there are scammers out there apply from this company and you will be happy. their mail address is abigailmills.loans227@gmail.com

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  43. My name is Freida Erna Madeleine i am from Chicago USA i want to use this time to write to the internet that i just received my loan funds of 5 million dollars from this company called Abigail Mills loan company at first i did not believe what people were saying on the internet but i decided to try and i applied for the loan 2 days ago and i just received a call from my bank that there is the sum of 5 million dollars in my account and immediately i received an alert from my bank Abigail Mills loan company called me and asked me if i have received my loan and i told them yes so they said i should bring more people to there company if anyone do need a loan so if you really do need a loan this is the company to apply from they are really great and i believe now that there is a real loan company that gives loans and that company is Abigail Mills loan company so if anyone of you need an urgent loan and it is important this is the right company to apply from. Their mail address is abigailmills.loans227@gmail.com.

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  44. My name is Gwendolyn Tammie Shari. I am a single mother and i am from Canada and i live in the city of Montreal. I want to use this time to tell everyone on the internet that there is only one company that offers real loan and that company is Abigail Mills. I was looking for a loan online for the past 3 weeks now and all i have got is lenders scamming me of my money that i had God knows i was so poor and i wanted to kill my self but there i saw so many people testify about this company that they give out loans at first i did not believe cause i saw other testimonies of other lender and they all turned to be scams. I said let me apply from this company and see if it is true and immediately i applied they told me everything i needed to do and i agreed and they assured me that in 8 hours time i was going to be with my loan cause they said they are using fast transfer service. At first i did not believe but i waited for my loan before 8 hours time i received an alert from my bank and be hold it was my loan i was very shocked when i saw it and i prayed to God for directing me to the right company who helped me today as i am writing this on the internet now i just received my loan from this company and i am using this time to testify to other people if you need a loan a loan don't be fooled this is the right company to apply from. Their Email address is abigailmills.loans227@gmail.com

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  45. Good day My name is Ebba Agnes Lilly i am from New York City this company Abigail Mills people are talking about is real i never wanted a loan but i just said i should try this company and see if what people are saying is true and i applied for a loan from them yesterday and i just received my loan today from Abigail Mills loan company anyone if you read this message and you need a loan apply from this company cause they are going to help you this company is the only company that offers real loan online. The loan i applied from them was $75,000.00 dollars and in 8 hours time i received my loan so my friends don't be scammed if you need a real loan this is the right company to apply from. If you are interested of there loans their mail address is abigailmills.loans227@gmail.com.

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  46. My name is Robert Christopher. I am from USA New York City. I want to write to the internet that if you need a real loan Abigail Mills is the real loan company that gives loan i applied for a loan from this company last week Friday and i just received my loan from them today so everyone if you need a real loan without been scammed this is the right company to apply from thus company is truly great and they are real so many people that have been scammed if you need a loan without being scammed this is the real company that gives loans i applied for a loan from this company Abigail Mills and i received my loan today so anyone around the world if you need a true loan locate this company and be rest assured that this company is going to put a smile to your face. the company can be contacted via mail their mail address is abigailmills.loans227@gmail.com Thanks to anyone that will read this message this company does not know am doing this i am only doing this for people in need of a real loan to be safe.

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  47. I am Brayden Wyatt Bryce by name i am a police officer and i live in New York city in USA. Few days ago i was searching for a loan online and i only found people scamming me of my money. I really need this loan for a project in Colombia and i have been cheated severally one day when i was off duty i decided to look again this time for a true company that give loans i found this company named Abigail Mills loan company and a lot of people have testify about this company at first i did not believe but i decided to apply the loan i was looking for was the sum of $7,000,000.00 i applied from this company and they told me all that needs to be done i trusted them and i did what they told me to do and they assured me that in 8 hours time i was going to be with my loan safely i never believed them but i waited for my loan in exactly 8 hours time i got a call from the company that if i have received my loan yet and i said No. They told me to go to my bank and check my account that my bank might not send me an alert i obeyed and i went to my bank and check my account on my eyes i saw my loan of $7,000,000.00 in my account the money i was having on my account before was $1,000,000.00 and i now found $8,000,000.00 pulse my money and my loan was $8,000,000.00 i am so happy and i thank this company for they are great. I want to use my little time to write to people in United States that if you need a real loan Abigail Mills is the right company to apply from this company does not know am doing this so anyone if you need a loan you can only contact this company via mail or whatsapp but i do not use whatsapp so their mail address is abigailmills.loans227@gmail.com

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  48. My name is Leo Daniel Archer and i am from Australia i live in a city of Sydney. Have been looking for a loan online since can not get a loan from my bank and have only found people scamming me of my money. Last week i was scammed by a loan company and God know i was ready to end my life but i said to my self let me try and see if i will see a honest company that was ready to help you. So i settled down and search for a company and i read so many good comments about this company Abigail Mills and i said let me apply and see if i will be lucky as other people i was afraid but i gave my self a chance and i applied for a loan of $80,000.00 i explained to this company that i have been scammed and they told me not to worry that they will help you that they have helped so many people from my country before. So i gave this company a chance and they assured me that in 8 hours time i was going to be with my loan i did not believe but i waited for my loan. In exactly 8 hours time i received an alert from my back that my account has be credited with $80,000.00. All thanks to Abigail Mills this company is God cent. And i made a promise to my self that i will testify this company on how they helped me this company do not know am doing this now that am telling people on the internet how they helped me so everyone if you need a real loan Abigail Mills is here to help you do not be fooled by fake people who clam to be lender. I almost forgot you can only contact this company via mail and there contact details is abigailmills.loans227@gmail.com. This company is real and true so anyone that reads this message and you are interested contact this company cause they are the only one's that can help solve your problems.

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  49. My name is Gwendolyn Shirley Tammie and i am from Houston in USA i just received my loan from Abigail Mills loan company right now and i have heard about this company and i thought it was a fake company but now i am so happy this company helped me and 100% this company is real so anyone that need a loan this is the right company to apply from now i applied for a loan for my business of 250,000.00 USD and this company helped me without delay i am so happy i am testifying this company because i saw other people do it and i am happy to be among the people who shares testimony on how this company helped me so everyone if you need a real loan your helper is here. their contact information is abigailmills.loans227@gmail.com

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  50. My name is Annette Kim Bailey I am from Ohio USA. I want to use my little time to write to the internet to people in need of a real loan that if you need a loan without getting cheated Abigail Mills is the right company to apply from i am a teacher of Mathematics and English and i was cheated 2 time by a fake company who clam to be lenders but i no longer worry because Abigail Mills has already helped me so if you need an urgent loan to do anything this company is going to put a smile to your face i have also introduced most of my friends to this company and only 2 of my friends told me they have received there loans already one of my friend received a loan of $38,000.00 dollars and the other of my friend received the sum of $75,000 dollars so anyone in need of an online loan apply from this company and you will be happy no doubt about that because this company is really helpful and God will continue to use them to help people in need of a loan. If you need an online loan apply from this company and contact them via this means email address abigailmills.loans227@gmail.com and also you can contact them via Whatsapp +2348088206489. Regards to anyone who reads my messages.

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  56. Private Lender Bentex Funding Group Ltd.
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    ReplyDelete
  57. Hello,

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  59. Private Lender Bentex Funding Group Ltd.
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    ReplyDelete
  60. I'm still so surprised, i can't believe this, i just got a loan of $40,000 from Mr.jefferson and nothing like upfront fee, is as if i'm dreaming, but no its reality, i'm so happy right now, and not only that i just got engaged on Wednesday, I'm full of happiness now, you can contact him now elijahcapitals@gmail.com

    ReplyDelete
  61. We specialized in Bank Guarantee {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Confirmable Bank Draft {CBD} as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed.

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  62. Private Lender Bentex Funding Group Ltd.
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    ReplyDelete
  63. Hello, Are you looking for a business loan, personal loan, home loan, auto loan, student loan, debt consolidation loan, unsecured loan, venture capital etc… OR Were you refused a loan by banks or any financial institution for one or more reasons. You are in the right place for your loan solutions! We are GEORGE NEGGA GUARANTEE LOAN, we give out loan to those that are in need of it positively, and also those that are trust worthy, we also grant out loans to companies and individuals at a low and affordable interest rate of 3%.. Do contact us via Email: georgeneggaguaranteloan@yahoo.com OR https://georgenegga.wixsite.com/guaranteeloan/contact

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  67. Read Up My Story Today as my story is a very special and unique one as is not like the numerous advert you always see online and also I want to be 100% sincere and truthful to you that there can never be any other online spell caster that can help you bring back your EX BACK to you other than DR OSCAR DILAN as he alone is 100% effective,dynamic and very reliable as 99.9% of other spell casters are not for real and can never help you solve your problems at all instead they will complicate your present condition OK SO BE WISE AND ALSO BE WARNED AND CONTACT DR OSCAR DILAN TODAY... MY OWN LIFE STORY / EXPERIENCES IS BELOW:


    My Name is Mark Kelvin, From USA. I wish to share my testimonies with the general public about what this man called Dr OSCAR DILAN has just done for me , this man has just brought back my lost Ex WIFE to me with his great spell, I was married to this woman called Sharon we were together for a long time and we loved our self’s but when I was unable to make her pregnant for me and also give her al she needs she left me and told me she can’t continue anymore then I was now looking for ways to get her back until a friend of mine told me about this man and gave his contact email: oscardilan68@yahoo.com OR oscardilan68@hotmail.com OR oscardilan68@gmail.com .... YOU CAN USE ANY OF THE EMAILS TO CONTACT HIM as you won't believe this when I contacted this man on my problems he prepared this spell cast and bring my lost WIFE back, and after a month she became pregnant for me because he gave me some herbs to take also and when she went for a test and the result stated that she was pregnant am happy today am a FATHER of a baby girl, thank you once again the great DR OSCAR DILAN for what you have done for me, if you are out there passing through any of this problems listed below:

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  68. $READ MY STORY ON HOW I BECAME DEBT FREE WITH TIPS OF DETECTING A LOAN SCAM ON-LINE !!$$$$$

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    ReplyDelete
  69. HOW I GOT MY LOAN FROM THIS GREAT COMPANY CALLED ELLIOT OLIVE LOAN COMPANY

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  71. HOW I GET FREE FROM HERPES AFTER 8 DAYS

    My name is Paulson Hooker,i am from USA.I want to share my testimony on how i get cure of my HERPES GENITAL with the help of Doctor OSCAR DILAN, I have being suffering for this disease for a very long time now and I have try several means to get rid of it, but there was no solution to it because my doctor told me at the hospital that herpes has no cure.I have being scam by several people on internet who claim that they have herpes cure.but I never gave up, until I saw a post,posted by JACK WILSON. when I saw her testimony I was happy because she make a statement that the herbal doctor medicine is for free. after reading the testimony,so I collect the herbal doctor email and mail him about my herpes that I need cure and 4 hours later he replied my mail, and told me to send him my details about my self and after that he told me that his herbal medicine is free and that the only thing that I need to do, is to provide money that he will use in getting the herbal medicine preparation done and I told him that he should give me 2/3 days to get the money amd we keep on sending mail to each other and using phone calls to communicate and three days later I got the money that he request for in getting the items and I send it to him he email me that he has purchase the items that he is about to prepare the herbal medicine and after the preparation he send the herbal medicine to me via fedex and he also give me the guide line on how to use the herbal medicine and after using it for 8 days as he told me, then I went for medical checkup at the hospital and I was so surprise that the doctor congratulate me that am now herpes negative and I was so happy because at last am free from herpes and also I want to thank WILSON for using doctor OSCAR DILAN to cure my herpes and another testimony is that two of my friend who also have herpes that contacted doctor OSCAR DILAN for their own cure have also been cured from herpes and now they are also herpes NEGATIVE like me and if you have herpes or any other disease and you want to get rid of it, DR OSCAR DILAN is the best DR to cure it. If you want to be sharing the same testimony that am sharing with other who has being cure by him kindly contact doctor OSCAR DILAN via this email: oscardilan68@yahoo.com OR oscardilan68@hotmail.com OR oscardilan68@gmail.com .... YOU CAN USE ANY OF THE EMAILS... .... DR OSCAR GOT ALL CURE AND REMEDY TO ALL KIND OF SICKNESS YOU MIGHT HAVE BEEN SUFFER FROM AND ALSO SPECIALISES IN THE FOLLOWING:

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    ReplyDelete

  72. Do you know that there is a great Herbal doctor who can cure any disease? Like Cancer, HIV, HPV, syphilis, diabetes, herpes, anthrax, madness, low sperm count, pregnancy And also bring back your Lover E.t.c. Well my main reason why i am writing this right now is to inform the whole world about the great deeds, DR. OSCAR DILAN did for me. My name is Rose Udinonleo, I was diagnosed of HIV in the year 2017 ever since then I was taking my medications, until I met the great spell caster, though I never believed in spell. I saw many testimonies on how he cured deadly diseases. I contacted him through his Email: oscardilan68@yahoo.com OR oscardilan68@hotmail.com OR oscardilan68@gmail.com .... YOU CAN USE ANY OF THE EMAILS... I Emailed him, he asked me to send him my information, which I did. He told me that his going to require some items in which he will use in casting a curing spell on me. I don’t know where to find the items he required. He told me that the only alternative is for me to send him the money and he only demanded for just $390 dollars to get the materials and he helped me to get the items for the herbal treatment. I promised myself to do anything to get cured. I sent him the money. He bought the items and casted a curing spell on me and also sent me a herbal portion, I used it as He instructed. 7 days later he asked me to go for check up, when I did the check up I was tested HIV Negative. I am so happy, I can not stop thanking Him, if you passing through hardship and you need a way out, kindly contact him via his email on:: oscardilan68@yahoo.com OR oscardilan68@hotmail.com OR oscardilan68@gmail.com .... YOU CAN USE ANY OF THE EMAILS.................YOU CAN ALSO ADD HIM UP ON WHATSAPP USING THIS MOBILE NUMBER:+2348077526136

    ReplyDelete
  73. Out of the abundance of the heart, the mouth speaks. Am Jullie Sarie from TX, USA. My wife EX husband used a spell on my wife and she went back to him. I felt heart broken for i didn't know how to get her back. I did all i could do to get her back with her close friends but nothing worked out. So, in my place of work, i tried searching for help online and i found various testifiers of how a DOCTOR OSCAR DILAN has been faithful & helpful with his spells. I gave it a try by getting in touch with him and i explained my problem to him. DOCTOR OSCAR DILAN prepared a spell for me that brought back my wife within 12 to 16 hours after i contacted him. He assured me that nothing can break us apart again and since this year JANUARY till this very moment, i have been full of joy with my wife. Contact him today for any kind of help, He is ready to help.. via Email: oscardilan68@yahoo.com OR oscardilan68@hotmail.com OR oscardilan68@gmail.com .... YOU CAN USE ANY OF THE EMAILS..YOU CAN ALSO ADD HIM UP ON WHATSAPP USING THIS MOBILE NUMBER:+2348077526136

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  74. Goodday To EveryOne,


    I am Luz Williams and am 33years old, You Know there are so many of us that are in dire need of financial help and it just doesn't seem that people understand our lives and financial situations what ever each of ours are! Do they?they dont I guess !! I was in very chronic financial and terminal health situation some few months ago after all my search for assistance from friends and neighbours proved abortive and due to this I had to swallow my pride by asking, searching, and always praying for a kind soul out there to help me and my kids who were droving outta school as a result of my inability to take up with their tuition fees properly since their dad was also late and due to this financial stress and rejection Sometimes I feel there is none who really truly cares. I wish that I could win some money so that I could solve my entire immediate family problems but it was all a mere dream as reality became so real to my face when I was unable to pay my light bills, and my food stuff bills and as a result I had no choice but to search for reputable loan agencies online that lease loans out to the needy but all I got was a bunch of scammers as I believed the very second lender I communicated with due to my desperation to get money ASAP and that made me send to him the only one money I had both on earth and in heaven which is $310 usd and after I sent this , they kept on asking for more and this made me mad that i had to shut down that email because i realized shits and i didn't bother going online to get any help anymore , because I didn't trust it anymore . I became so emaciated due to lack of good food and my 2 kids age 5 and 8 were not also good looking due to lack of proper care as a result of finance and one morning I saw an old time family fiend of my husband and I told him all I have been through and he said the only way he could help was to direct me to a good loan agency that also helped him and he explained too on how he was financially down and how he got boosted by this loan agency CALLED Elliot Olive LOAN FOUNDATION: elliotoliveloanfirm@yahoo.com OR elliotoliveloanfirm@gmail.com OR elliotoliveloanfirm@hotmail.com who gave him loan at an affordable rate and he further assured me that they were legit and not scammers and he also told me what was needed to be done { THE COMPANY ADMINISTRATIVE PROCEDURE} and he also gave me the email address of the Elliot Olive LOAN AGENCY: elliotoliveloanfirm@yahoo.com OR elliotoliveloanfirm@gmail.com OR elliotoliveloanfirm@hotmail.com and I contacted them as instructed and by the grace of GOD ALMIGHTY I was also granted my loan funds within 2 days without any stress or problems and this is why I have come here to give out my testimony and to let the people know that there are still real and reputable loan agencies online: elliotoliveloanfirm@yahoo.com OR elliotoliveloanfirm@gmail.com OR elliotoliveloanfirm@hotmail.com .... COntact this great man now using this email address: elliotoliveloanfirm@yahoo.com OR elliotoliveloanfirm@gmail.com OR elliotoliveloanfirm@hotmail.com and tell him that I Luz Williams gave you his email address to contact as he IS REAL, EFFICIENT, DYNAMIC AND 100% RELIABLE.......

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  75. Now You Can Stop Your Break Up, Divorce or Lovers Rejection… Even If Your Situation Seems Hopeless! My husband said he no longer loved me at the end of January this year and i was hurt and heart broken i felt like my life was about to end and I almost committed suicide, I was emotionally down for a very long time. Thanks to a spell caster called Dr OSCAR DILAN, which I meet online, on one faithful day, as I was browsing through the internet and I came across a lot of testimonies about this particular spell caster. Some people testified that he brought their Ex lover back, some testified that he restores womb, cure cancer and other sickness, some testified that he can cast a spell to stop divorce and so on. I also come across one particular testimony and it was about a woman called Tracey Hilton, she testified about how he brought back her Ex lover in less than 2 days and at the end of her testimony she dropped Dr OSCAR DILAN mail address. After reading all these,I decided to give it a try and I contacted him via email and explained my problem to him. In just 48 hours, my husband came back to me and we solved our issues, we are even happier than before. Dr OSCAR DILAN is really a gifted man and I will not stop testifying about him because he is a wonderful man and so powerful... If you have any problem and you are looking for solution to solve all your problems. Great Dr OSCAR DILAN can also offer any types of help like Reuniting of marriage and relationship, Curing of all types of Diseases, Court Cases, Pregnancy Spell, Spiritual protection,winning of lottery and lot's more. you can contact him on Email: oscardilan68@yahoo.com OR oscardilan68@hotmail.com OR oscardilan68@gmail.com .... YOU CAN USE ANY OF THE EMAILS....... YOU CAN ALSO ADD HIM UP ON WHATSAPP USING THIS MOBILE NUMBER:+2348077526136, if you have any problem contact him, I give you 100% guarantee that he will help you.

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    ReplyDelete
  78. A MUST READ: HOW I GOT MY LOAN OF $375,000.00 FROM THIS GREAT COMPANY CALLED LANDON LUIS HOME LOANS

    Hello to All across the globe, I am Nancy White , from United State Of America, USA. I am a single mother of four kids and I was stuck in a financial situation 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 ,do not fall prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you will not hear from them again they have done it to me three times before i come in contact with Landon Luis Home Loans the most interesting part of it is that my loan was transfer to me within 72hours so I will advice you to contact Landon Luis Home Loans if you are interested in getting loan and you are sure you can pay them back on time you can contact them via email……… (landonluishomeloans@gmail.com) Phone: call/text+1 +1 (929) 377-6816 No credit check, no co signer with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Landon Luis Home Loans today for your loan

    They offer all kind of categories of loan they

    Short term loan (1_10years)
    Long term loan (20_30 years)

    They offer loan like

    *Property Purchase loans................... Home loan............., Business loan........
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    construction loan.....car loan........ hotel loan....personal loans..property loans etc

    Email..........(landonluishomeloans@gmail.com) Phone: call/text+1 +1 (929) 377-6816
    When it comes to financial crisis and you need to be free from financial crisis then Landon Luis Home Loans is the place to go please just tell them that Nancy White direct you Good Luck.... 

    ReplyDelete
  79. We are specialized in Bank Guarantee {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Confirmable Bank Draft {CBD} as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed.

    We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

    The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760.

    DESCRIPTION OF INSTRUMENT:
    Instrument: Bank Guarantee (BG/SBLC).
    Total Face Value: Minimum of 1M Eur/USD (One Million Eur/USD) to Maximum of 5B Euro/USD(Five Billion Eur/USD).
    Issuing Bank: HSBC London, Barclays Bank, Deutsche Bank Frankfurt, Hong Kong, Any AA rated Bank in Europe or any Top 25 WEB.
    Age: One Year, One Day
    Leasing Price: 4% of Face Value plus 1% commission fees to brokers.
    Delivery: Bank to Bank SWIFT.
    Payment: MT-760.
    Hard Copy: Bonded Courier within 7 banking days.

    All relevant business information will be provided upon request plus our terms and
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    Contact name: David Verney

    Email : davidverney18@gmail.com

    skype davidverney18@gmail.com



    GENERIC FINANCIAL MANAGEMENT PLC (Registered No 01911493)

    THE OLD CHURCH VERULAM ROAD ST. ALBANS HERTFORDSHIRE, AL3 4DH GB


    David Verney

    davidverney18@gmail.com

    ReplyDelete
  80. Are you looking for a loan to clear off your debt and start up your own Business? have you being going all over yet not able to get a legit loan Company that will loan you? Here is your final solution, We can give you any amount you need at 3% provided you are going to pay back within the period of time given without any problem.Apply now and contact us for more details via email below. Email: roseberryfin@gmail.com

    ReplyDelete
  81. My name is Annette Kim Bailey I am from Ohio USA. I want to use my little time to write to the internet to people in need of a real loan that if you need a loan without getting cheated Abigail Mills is the right company to apply from i am a teacher of Mathematics and English and i was cheated 2 time by a fake company who clam to be lenders but i no longer worry because Abigail Mills has already helped me so if you need an urgent loan to do anything this company is going to put a smile to your face i have also introduced most of my friends to this company and only 2 of my friends told me they have received there loans already one of my friend received a loan of $38,000.00 dollars and the other of my friend received the sum of $75,000.00 dollars so anyone in need of an online loan apply from this company and you will be happy no doubt about that because this company is really helpful and God will continue to use them to help people in need of a loan. If you need an online loan apply from this company and contact them via this means email address abigailmills.loans227@gmail.com and also you can contact them via Whatsapp +1 (903)378-6704. Regards to anyone who reads my messages.

    ReplyDelete
  82. All thanks to Abigail Mills for helping me with my loan after been scammed 6 times by fake people who clams to be loan lenders.

    My name is Rethabile Grace Thandolwethu i am from South Africa and i live in the city of Johannesburg. A month ago i was searching for an online loan and i saw different loan lender on the internet and with some fake testimonies and i applied from them and all i got was scammers i applied more than 6 companies and i was cheated all the way. So i gave up hope until i decided to check again if i will find help as i was searching and i settled down to look for a legit loan company i found this company named Abigail Mills loan company i saw a lot of testimonies that people comment about her but because i was cheated severally i thought it was a scam but i did what i was asked to do and i waited for my loan and Mrs Abigail Mills told me in less than 8 hours time you be with my loan safely i did not believe cause i thought it was also a scam so that day it was night time in South Africa and i slept off the nest morning as i woke up i received an alert from my bank that there is money on my account and immediately i called my bank to confirm and the bank manger told me to come to the bank immediately and i went immediately the bank got opened as the bank manager checked my account we saw an amount of $135,000.00 USD that is United States Dollars and i explained to my manager that i applied for a loan online and my bank manager was shocked if there was still a real and legit loan company online i am so happy all thanks to Abigail Mills i decided to write on the internet because i saw other people do it and testify about this company that is why i am posting this message online to anyone that need a loan even if you have been cheated before apply from this company and be rest assured that this company won't let you down. My Regards to anyone that reads my message and you can contact this company via mail abigailmills.loans227@gmail.com they also use Whatsapp which the number is +1 (903)378-6704. Once again my regards to anyone that reads my message and i pray you are happy as i am today with this company because i am bring more people to this company to help.

    ReplyDelete
  83. We offer loan from €10,000.00 to €20,000,000.00 at affordable interest rate and with no credit check ,we offer Personal loans, debt consolidation loans, venture capital, business loans, education loans, home loans or “loans for any reason!”? We have a fixed 2% interest rate!!!
    Email: raphloanfinanzen@gmail.com Or Whatsapp +17372345344 Thanks

    ReplyDelete
  84. Private Lender Bentex Funding Group Ltd.
    Greetings to you by (BFGL).
    We are a France-Paris based investment company known as Bentex Funding
    Group Ltd working on expanding its portfolio globally and financing
    projects.

    We would be happy to fund and invest with you in any profitable
    project if you have any viable project we can finance by making mutual
    investment with you. If you are interested, kindly contact us
    on:avitinvestmentauthority2@gmail.com for more details.
    Looking forward hearing from you soonest.
    Yours truly,
    Mrs Rose Larsson.
    (Personal Assistant)
    Bentex Funding Group Ltd(BFGL)
    509 Rue Jacques Coeur,75008 Paris-France
    Paris-France.Bentex Funding Group Ltd (BFGL)

    ReplyDelete
  85. Hello everyone,
    My name is Richie Julie.,I live in Germany and i am a happy woman today?i just want to tell everyone out there that you can get a legit loan lender without any delay i got my loan of $10,000 from this great company they are the best and they are trusted you can contact them for any kind of loan this is there direct contact Email

    Company name: European Company
    Company Email: europeanloancompany2@gmail.com
    Whataspp/Call :+33751432942

    ReplyDelete
  86. Private Lender Bentex Funding Group Ltd.
    Greetings to you by (BFGL).
    We are a France-Paris based investment company known as Bentex Funding
    Group Ltd working on expanding its portfolio globally and financing
    projects.
    We would be happy to fund and invest with you in any profitable
    project if you have any viable project we can finance by making mutual
    investment with you. If you are interested, kindly contact us
    on:avitinvestmentauthority2@gmail.com for more details.
    Looking forward hearing from you soonest.
    Yours truly,
    Mrs Rose Larsson.
    (Personal Assistant)
    Bentex Funding Group Ltd(BFGL)
    509 Rue Jacques Coeur,75008 Paris-France
    Paris-France.Bentex Funding Group Ltd (BFGL)

    ReplyDelete
  87. My name is Vonda Dionne i am from Los Angeles i just got my loan from a new legit loan company of 2019 and the name of the company that helped me with my loan today is Abigail Mills loan company they are the most lovely loan company i have ever came across with i applied for a loan from them yesterday and the only thing i did was pay the transfer fee which they said i should pay and immediately i make the payment in the next 12 hours time i was with my loan sorry i can not say how much they helped me with but it is a large amount of money so everyone if you need a real loan this is the right loan company to contact their mail address is abigailmills.loans227@gmail.com

    ReplyDelete
  88. Good day everyone my name is Donna Susan Patricia and i am from Houston TX, USA i want to use this chance i have now to write this message to the internet if anyone of you is looking for a loan real this is the right company to contact i am a business woman and i applied for a loan in a 2018 legit company and the name of the company is Abigail Mills loan company they have been helping people since 2018 and we are in 2019 now and i just received my loan from them so if anyone of you need a loan go and apply from them because they are real i just pray you people that need help with a loan don't get scammed that is why i am using this chance to write this message on the internet if you need a loan legit loan apply from this company so that you wont get scammed when you apply from the wrong company. their E-mail address is abigailmills.loans227@gmail.com.

    Have a nice day everyone and i pray you are all happy as i am today

    ReplyDelete
  89. My name is Gwendolyn Tammie Shari. I am a single mother and i am from Canada and i live in the city of Montreal. I want to use this time to tell everyone on the internet that there is only one company that offers real loan and that company is Abigail Mills. I was looking for a loan online for the past 3 weeks now and all i have got is lenders scamming me of my money that i had God knows i was so poor and i wanted to kill my self but there i saw so many people testify about this company that they give out loans at first i did not believe cause i saw other testimonies of other lender and they all turned to be scams. I said let me apply from this company and see if it is true and immediately i applied they told me everything i needed to do and i agreed and they assured me that in 8 hours time i was going to be with my loan cause they said they are using fast transfer service. At first i did not believe but i waited for my loan before 8 hours time i received an alert from my bank and be hold it was my loan i was very shocked when i saw it and i prayed to God for directing me to the right company who helped me today as i am writing this on the internet now i just received my loan from this company and i am using this time to testify to other people if you need a loan a loan don't be fooled this is the right company to apply from. Their Email address is abigailmills.loans227@gmail.com and for you those who do not have an email address the company whatsapp number is +1 (903)378-6704.

    This company is true and great if you need a loan apply now and wait for your loan cause you will be happy with this company.

    Thanks everyone and i remain Gwendolyn Tammie Shari.

    ReplyDelete
  90. Good day everyone

    My name is Vanessa Jodi i am from Los Angeles USA. I want to use this time to write to the internet that anyone if you need a true loan Abigail Mills is the right company to apply from few days i was in need of money and i looked for a loan online i saw a company and i applied that company cheated me 2 times of my money i was so sad cause i needed money so i decided to look for another company and i applied from another company that same company also told me to deposit money and i did and never got my loan i was like what is happening to me cause i needed money urgent to buy a house cause if i do not get a house soon my landlord will drive i and my family away from his house so i needed to get my own house. When i was searching again i saw this company Abigail Mills i saw a lot of people testified about this company that the company is truly great so at first i was afraid to apply cause i was cheated 2 times so i said to my self let me try and see if this company was real so i applied. When i applied they told me all i was needed to do i was still afraid but i trusted them and they assured me that in 8 hours time i was going to be with my loan i wanted for my loan and on my eyes i received an alert from my bank that there were a sum of $200,000.00 into my bank account and i was very happy in a while ago the company called me and asked if i have received my loan and i told them yes and i thank them and as i am writing this message on the internet now this company have also helped my 2 brothers so anyone if you need a true loan Abigail Mills is the right company to apply from. In case you are in need of money you can only contact them via mail and their E-mail address is abigailmills.loans227@gmail.com. I thank everyone who read my message and be safe and apply from this company because you will be happy with them.

    ReplyDelete
  91. I am Brayden Wyatt Bryce by name i am a police officer and i live in New York city in USA. Few days ago i was searching for a loan online and i only found people scamming me of my money. I really need this loan for a project in Colombia and i have been cheated severally one day when i was off duty i decided to look again this time for a true company that give loans i found this company named Abigail Mills loan company and a lot of people have testify about this company at first i did not believe but i decided to apply the loan i was looking for was the sum of $7,000,000.00 i applied from this company and they told me all that needs to be done i trusted them and i did what they told me to do and they assured me that in 8 hours time i was going to be with my loan safely i never believed them but i waited for my loan in exactly 8 hours time i got a call from the company that if i have received my loan yet and i said No. They told me to go to my bank and check my account that my bank might not send me an alert i obeyed and i went to my bank and check my account on my eyes i saw my loan of $7,000,000.00 in my account the money i was having on my account before was $1,000,000.00 and i now found $8,000,000.00 pulse my money and my loan was $8,000,000.00 i am so happy and i thank this company for they are great. I want to use my little time to write to people in United States that if you need a real loan Abigail Mills is the right company to apply from this company does not know am doing this so anyone if you need a loan you can only contact this company via mail or whatsapp but i do not use whatsapp so their mail address is abigailmills.loans227@gmail.com

    ReplyDelete
  92. Abigail God will bless you and your company

    My name is Veronica Rose Holly. I am from Chicago USA. I have nothing much to say anyone that need a true loan without you being cheated should apply from Abigail Mills cause i applied for a loan from this company today after i read so many good and wonderful comments about this company. I applied for a loan to pay my debts and all i needed was $50,000.00 because i will also use part of that money to pay my children school fees. As i am writing this on the internet now i just received my loan from this company today and i am so happy i never believed i would ever be happy again cause i have passed through a lot and i thank God for Abigail Mills God will bless her and his company for putting a smile to my face. So anyone around the world from Chicago and other countries that need a loan your helper is here and the company is Abigail Mills anyone that applied from Abigail Mills loan company will have no problem cause you will receive your loan exactly the time she tells you. their company Email address is abigailmills.loans227@gmail.com

    Once again God bless you Abigail Mills and may you live long to continue helping people.

    ReplyDelete
  93. My name is Annette Kim Bailey I am from Ohio USA. I want to use my little time to write to the internet to people in need of a real loan that if you need a loan without getting cheated Abigail Mills is the right company to apply from i am a teacher of Mathematics and English and i was cheated 2 time by a fake company who clam to be lenders but i no longer worry because Abigail Mills has already helped me so if you need an urgent loan to do anything this company is going to put a smile to your face i have also introduced most of my friends to this company and only 2 of my friends told me they have received there loans already one of my friend received a loan of $38,000.00 dollars and the other of my friend received the sum of $75,000.00 dollars so anyone in need of an online loan apply from this company and you will be happy no doubt about that because this company is really helpful and God will continue to use them to help people in need of a loan. If you need an online loan apply from this company and contact them via this means email address abigailmills.loans227@gmail.com and also you can contact them via Whatsapp +1 (903)378-6704. Regards to anyone who reads my messages.

    ReplyDelete
  94. Good day everyone

    My name is Abiezer Petit Homme i am from Philippine and i live in the city of Manila. I want to use this little time i have to rite to the internet that if you need a real and legit loan Abigail Mills is the right company to apply from i was cheated by 2 companies i applied for a loan from and Abigail Mills was the third company i applied from i received my loan from Abigail Mills loan company in less than 8 hours time as the company told me so anyone who needs an online loan without getting scammed apply from Abigail Mills and be rest assured that you will be happy with this company. You can only contact this company via mail or whatsapp mail address is abigailmills.loans227@gmail.com Whatsapp +1 (903)378-6704. Regards to anyone who reads this message all over the world.

    ReplyDelete
  95. All thanks to Abigail Mills for helping me with my loan after been scammed 6 times by fake people who clams to be loan lenders.

    My name is Rethabile Grace Thandolwethu i am from South Africa and i live in the city of Johannesburg. A month ago i was searching for an online loan and i saw different loan lender on the internet and with some fake testimonies and i applied from them and all i got was scammers i applied more than 6 companies and i was cheated all the way. So i gave up hope until i decided to check again if i will find help as i was searching and i settled down to look for a legit loan company i found this company named Abigail Mills loan company i saw a lot of testimonies that people comment about her but because i was cheated severally i thought it was a scam but i did what i was asked to do and i waited for my loan and Mrs Abigail Mills told me in less than 8 hours time you be with my loan safely i did not believe cause i thought it was also a scam so that day it was night time in South Africa and i slept off the nest morning as i woke up i received an alert from my bank that there is money on my account and immediately i called my bank to confirm and the bank manger told me to come to the bank immediately and i went immediately the bank got opened as the bank manager checked my account we saw an amount of $135,000.00 USD that is United States Dollars and i explained to my manager that i applied for a loan online and my bank manager was shocked if there was still a real and legit loan company online i am so happy all thanks to Abigail Mills i decided to write on the internet because i saw other people do it and testify about this company that is why i am posting this message online to anyone that need a loan even if you have been cheated before apply from this company and be rest assured that this company won't let you down. My Regards to anyone that reads my message and you can contact this company via mail abigailmills.loans227@gmail.com they also use Whatsapp which the number is +1 (903)378-6704. Once again my regards to anyone that reads my message and i pray you are happy as i am today with this company because i am bring more people to this company to help.

    ReplyDelete
  96. Charles Elliot12 July 2019 at 14:52

    Hello Everyone my name is Charlse Elliot a private loan lender, are you finding it hard to obtain capital service from local banks and other financial institutes? do you need funds to start up your personal business? Do you have a low credit score and you are finding it hard to get a loan because of your credit score worry no more because Mitch Fast Loans is here to help you pay off your bills and start a good business, they offer loans at a very affordable interest rate of 3% interested persons should contact me via email: charlse4elliotfunds005@outlook.com

    Our services include Education Loans,
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    Your Financial Satisfaction is our Aim and your working with us will be a good experience, kindly contact me today for further inquiries if you are interested in getting any kind of loans via E-mail: charlse4elliotfunds005@outlook.com

    ReplyDelete
  97. Are you looking for loan ?? Need a loan in any form and for any reason ?? We are here to help you in the end as we offer reliable lending interest rate of only 3%.
    Borrowers interested should contact us now at garrywiltonloan756@gmail.com and get a loan today.
    E-mail: garrywiltonloan756@gmail.com
    Whatsapp: +19854134402

    author Garry Wilton

    ReplyDelete

  98. My name is Richie Julie. I live in Berlin Germany and i am a happy woman today,And i told my self that any lender that can rescue my family from our poor situation, i will refer any person that is looking for loan to him,

    They gave happiness to me and my family, i was in need of a loan of €15,000.00 to start my life all over as i am a single mother with 2kids, I met this honest and GOD fearing company that help me with a loan of € 15,000.00 Euro with interest rate of 3% ,They are GOD fearing

    If you are in need of loan and you are sure you will pay back the loan please contact them On europeanloancompany2@gmail.com or whatsapp/call: +33751432942 And they are located in the European part of the world.

    ReplyDelete

  99. My name is Richie Julie. I live in Berlin Germany and i am a happy woman today,And i told my self that any lender that can rescue my family from our poor situation, i will refer any person that is looking for loan to him,

    They gave happiness to me and my family, i was in need of a loan of €15,000.00 to start my life all over as i am a single mother with 2kids, I met this honest and GOD fearing company that help me with a loan of € 15,000.00 Euro with interest rate of 3% ,They are GOD fearing

    If you are in need of loan and you are sure you will pay back the loan please contact them On europeanloancompany2@gmail.com or whatsapp/call: +33751432942 And they are located in the European part of the world.

    ReplyDelete

  100. My name is Richie Julie. I live in Berlin Germany and i am a happy woman today,And i told my self that any lender that can rescue my family from our poor situation, i will refer any person that is looking for loan to him,

    They gave happiness to me and my family, i was in need of a loan of €15,000.00 to start my life all over as i am a single mother with 2kids, I met this honest and GOD fearing company that help me with a loan of € 15,000.00 Euro with interest rate of 3% ,They are GOD fearing

    If you are in need of loan and you are sure you will pay back the loan please contact them On europeanloancompany2@gmail.com or whatsapp/call: +33751432942 And they are located in the European part of the world.

    ReplyDelete

  101. My name is Richie Julie. I live in Berlin Germany and i am a happy woman today,And i told my self that any lender that can rescue my family from our poor situation, i will refer any person that is looking for loan to him,

    They gave happiness to me and my family, i was in need of a loan of €15,000.00 to start my life all over as i am a single mother with 2kids, I met this honest and GOD fearing company that help me with a loan of € 15,000.00 Euro with interest rate of 3% ,They are GOD fearing

    If you are in need of loan and you are sure you will pay back the loan please contact them On europeanloancompany2@gmail.com or whatsapp/call: +33751432942 And they are located in the European part of the world.

    ReplyDelete
  102. Good day dear sir/madam, I am Mrs.Rose a known registered/certified private loan lender. I give loan to both individuals/company in a cheap 3% interest rate.I give serious and honest customer loans.Are you in need of financial assistance,or urgent in need of a loan to start your business, or urgently in need of a loan to pay back any other Department to get your life going. Now here is a chance for you to solve all your problems.All you have to do now, is to contact me for more details via:roseberryservice07@gmail.com

    ReplyDelete
  103. How I Got My Loan From Calvin Larry Lenders

    My name is Joan Debby am from Texas, USA. Am a married woman at the moment with three kids and i was stuck in a financial situation in March 2018 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 Calvin Larry Lenders a Private limited Company with Share Capital by a friend, and I got a loan sum of $10,000.00USD on the 7th of March 2018 and today am a business owner and my kids are doing well... So i want to advice any one in need of a loan to quickly contact him via email on :calvinlarrylenders@gmail.com he does not know i'm doing this but I pray that God will bless him for the good things he has done in my life. Thanks..

    EMAIL VIA:calvinlarrylenders@gmail.com

    ReplyDelete
  104. How I Got My Loan From Calvin Larry Lenders

    My name is Joan Debby am from Texas, USA. Am a married woman at the moment with three kids and i was stuck in a financial situation in March 2018 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 Calvin Larry Lenders a Private limited Company with Share Capital by a friend, and I got a loan sum of $10,000.00USD on the 7th of March 2018 and today am a business owner and my kids are doing well... So i want to advice any one in need of a loan to quickly contact him via email on :calvinlarrylenders@gmail.com he does not know i'm doing this but I pray that God will bless him for the good things he has done in my life. Thanks..

    EMAIL VIA:calvinlarrylenders@gmail.com

    ReplyDelete

  105. I FEEL LIKE CRYING AS I SHARE THIS TESIMONMY OF MINE Call me frank ...People of God i was recently laid off from a great job that was giving me food and shelter due to our bad economy . I registered on several job hunting sites and got busy fiinding another job. I came across several jobs but they didn't ...i then resolute to getting a loan online to pursue my long business dreams since i was having about $10,000 left from my savings and the entire cost for my business to kick off was billed at $50,000 which means that i needed $40,000 more to start this and i thought that going online would be better since most of them pose to grant loans at cheapest rate of %1 percent or less but i never realized that i was only digging my financial grave , low and behold i got brainwashed , deceived and even spell bound to sending all my left $10,000 to them for several fees , Omg , that was so heavy for me then because my family could barely feed trice delay after that incidence as we all grew lean and sickly . but i didn't give up as i knew that the worse thing that can happen to someone is to allow their dreams shattered due to a past failure , i told my lawyer and he advice specifically that there is a United State online based loan agency in the name of AMEIR MILLER LOAN AGENCY as they are currently offering loans now without any fear or problems simply because about 2 clients that he knows got loan from that firm as it is owned by a pastor , after hearing all this i prayed to God for his leading and also followed my lawyer's advice in which i applied but God actually showed his face as this God sent online loan agency granted me this loan funds within 48 hours without any form of problems or stories after i meant with their terms and conditions.indeed at an interest rate of %2.5 percent , ya all can go talk to them using these ameirmillerfinancialinstitute@gmail.com or ameirmillerclassicloaninstitute@yahoo.com , ameirmillerapprovedloans@usa.com God bless yall for taking out time to reading my message to the world .

    ReplyDelete



  106. Hi everyone , I go by the name Jaxon from Australia and I just want to say a very resounding thank you to the Ameir Miller Loan firm for their sincerity , openness , transparency , truthfulness , love and support during and after getting loan funds from them . I have been through a lot in the hands of those scammers and time won’t permit me to say all that I went through in the year 2018 online in the guest or getting a loan funds to get a home here in Australia but God answered my prayers through the support and love from pastor Mrs Ameir Miller who embraced me and understood with me despite my initial doubt and unseriouness and with her good heart and love I am now a home owner through her 2.5 interest rate loan funds and I have vow to spread this news and also tell the world that there are still genuine and few good online loan firms out there that can assist and also revive a dry bone like I was in 2018 .

    Don’t fail to listen and read this testimony because this is a true life changing experience and anyone that needs this kind of turn around should not hesitate or doubt this because I have prove and I swear to God in Heaven that this story is real and also the story of my experience with them .

    Check them out on their email if you need finance .. email : ?ameirmillerclassicloaninstitute@yahoo.com , ameirmillerapprovedloans@usa.com? or ameirmillerfinancialinstitute@gmail.com??

    ReplyDelete



  107. Hi everyone , I go by the name Jaxon from Australia and I just want to say a very resounding thank you to the Ameir Miller Loan firm for their sincerity , openness , transparency , truthfulness , love and support during and after getting loan funds from them . I have been through a lot in the hands of those scammers and time won’t permit me to say all that I went through in the year 2018 online in the guest or getting a loan funds to get a home here in Australia but God answered my prayers through the support and love from pastor Mrs Ameir Miller who embraced me and understood with me despite my initial doubt and unseriouness and with her good heart and love I am now a home owner through her 2.5 interest rate loan funds and I have vow to spread this news and also tell the world that there are still genuine and few good online loan firms out there that can assist and also revive a dry bone like I was in 2018 .

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  108. My name is Richie Julie. I live in Berlin Germany and i am a happy woman today,And i told my self that any lender that can rescue my family from our poor situation, i will refer any person that is looking for loan to him,

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  109. My name is Richie Julie. I live in Berlin Germany and i am a happy woman today,And i told my self that any lender that can rescue my family from our poor situation, i will refer any person that is looking for loan to him,

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  110. I'm Chan Morgan from Los Angeles California I want to use this medium to say a big thank you to Credit Direct Loan Services for what they did to me and my family....at first when i got their contact online i thought they was just like others fake loan lenders who pretend to help and took my money but i just wanted to give a try to my greatest surprise after contacting them i got my loan within 24hours of contacting them they are simply the best and i trust them because they gave me a new life to live on they don't know I'm going this.
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  114. Private Lender Bentex Funding Group Ltd.
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  116. Hi Viewers on this site I’m january mary by name. I live in USA , i want to use this medium to alert all loan seekers to be very careful because there are so many scammers everywhere. Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Mrs Rose Mary who lend me an unsecured loan of $50,000 under 48Hours without any stress. If you are in need of any kind of loan just contact her now on email address stated below ( mrsrosemary002@outlook.com Or you can whatsapp her via:+1 (773)696-2919 I‘m using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders thank you.

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