Saturday, July 09, 2011

Life and Debt : Predatory Lending in Singapore

I took an unannounced break from blogging for the past few weeks. Much of my writing energy was expended during GE2011 and I ended up busy with work the past few weeks. I will probably get going again once the Presidential Election gets going - it looks like a PAP endorsed candidate vs an independent candidate. The last time the people got to vote during the Presidential Elections, the PAP endorsed Ong Teng Cheong. While Ong Teng Cheong was highly respected, better known and campaigned much harder than the other candidate, he only garnered just over 58% of the votes. The other candidate received 41% of the votes hardly campaigned and voters were not even sure he wanted the job but voted for him anyway.  The result shows that people really did not want a president too closely associated with PAP govt in the 1993 elections. The PAP is a lot less popular today and I believe the independent candidate for the coming elections will put up a good fight - unless the Presidential Elections Committee has other ideas. I believe the head of a large coorperative who has to take care of diverse interests of all stake holders not just the bottomline of a company is eligible under the constitution. More on the presidential election later. Today's topic is predatory lending in Singapore.

Yesterday's New Paper had this headline news about 80 teens arrested for distributing flyers. These teenagers were recruited online and were offered temporary part time jobs to distribute flyers and name cards. They were handcuffed and taken to the police station. Based on The New Paper report, it is likely that most of them did not know they were doing anything illegal:

"More than 150,000 name cards and pamphlets advertising loan facilities, masquerading as legal loans and licensed moneylenders, were seized. Other items confiscated include two printing machines." -  News Report : [Link]

The parents of these kids had to pay a bail of $2000 to get them out of jail. I find it strange that the police used so much of their resources to catch these teenagers who were probably themselves ignorant deceived victims exploited by masterminds behind these schemes. I think it is hard for these teens to figure out they were doing something wrong handing out flyers for "esay loans", "fast cash" when these are almost ubiquitous in Singapore - you find them at bus stops, notice boards, lamp posts, in your mail box etc.

The irony is The New Paper that broke the story carry hundreds of these ads in their paper everyday.

Hundreds of listings offering fast and easy loans no different from the flyers the teenagers were distributing. I counted 10 full pages of such ads. I wonder if The New Paper checks every single one of them to ensure that they are legal. If not, shouldn't they be treated like the 80 teenagers who were arrested? Given its circulation and the number such ads it carries, The New Paper is helping to promote predatory lending which is extremely harmful to our society.

The growth in demand for these loans is a manfestation of thngs going wrong in our society. It could be gambling, poverty, low wages, or unemployment that makes people desperate enough to take up these loans. The lenders exploit the financial hardship of these people for profits and worsen their financial situation. In a number of countries, the govt proactively stepped in to regulate such loans by limiting the effective annual interest and the fees these lenders can charge. If nothing is done in Singapore, such activities and associated problems  to grow and fester. The New Paper used to have only one page of such ads. Now it has 10 full pages.  I believe the number of people getting exploited by scrupulous lenders is growitng.

If the people who are supposed to be doing their jobs do not watch these signs carefully and try to figure out the underlying problems faced by the people and allow these lenders and the banks to promote and expand their lending activities to exploit the financial situation of a large segment of our society, we will find our problems less solvable when they become big enough to be visible.

82 comments:

Anonymous said...

What about casino's , are they allowed to give loans to their customers?

Anonymous said...

Basically the tactics used by the government, killing the chickens to scare the monkeys or "the hatchet" in the bag remarks is back again.

Write to your elected MP and the Chief of Police.

Where do we stand compare to the Malaysian people.

Anonymous said...

HARD TRUTH OF LIFT AND DEBT ON THE REAL UNEMPLOYMENT RATE OF SINGAPOREANS

First
-----
There is no statistics for unemployment rate for Singaporeans. This figure has never been released.
When you see data on Unemployment rate of residents,
it is unemployment rates of Singaporeans and PR
(permanent residents).
As PRs form a substantial portion of the residents
and most of the PRs are working adults(*), the
inclusion of PR employment statistics have distorted
the unemployment rate of Singaporeans.

(*)Most of the PRs are working adults because
non-working PR adults would not have been eligible to
become PR in the first place,
and if the PR adults become unemployed after becoming
PRs, the PRs are more likely to leave Singapore to return back to the countries they were from due to the lower cost
of living.

Second
------
If a person is unemployed longer than 6 months, this person is not classified as unemployed. This person is not captured in the statistics for unemployment rate

Third
-----
If a person is not able to find a job, he/she may choose to become a taxi driver, insurance agent, property agent, temp staff, part-time staff, etc. or he/she may choose to take up some courses thereby making himself/herself as
full-time student. Peoples under this category are not classified as unemployed but they are unable to find any full-time jobs in the first place.

Fourth
------
Generally, the expected cost to employ foreigner is significantly lower than employing Singaporean.
Employer has to bear the opportunity cost of the absence of male Singaporeans attending about
3 weeks per year of reservist training even though the Singaporean salary is paid by make-up pay.
Employer has to pay for 4 months of maternality leave for Singaporeans women who just give birth.
Employer has to pay 16.5% employer CPF to Singaporeans CPF. This puts Singaporeans on unfair disadvantage, making foreigners cheaper.
Employer needs not pay any of the above to foreigners.
If you are an employer, who will you employ, Singaporean or foreigner?
Obvious answer: Foreigner is employed as foreigner costs less.

Conclusion
----------
The hard truth is that the real statistics of unemployment
rate of Singaporeans is much higher than the released
unemployment rate of residents although this real statistics
has never been released.
The logical deduction of the real statistics of
unemployment rate of Singaporeans shows that foreigners are the number one choice in the eyes of the employers.
Foreigners are here to take over Singaporeans jobs.

Anonymous said...

The only crime in SG is being being poor.
The teenagers were poor and therefore guilty and arrested.
This is the society u helped create by sitting on ur arse and worse ... talking rot and ignoring realpolitk during ge2011.

Anonymous said...

These fast cash loans are everywhere since the casinos were opened.

The first wave of political change has taken place 2 months ago. Anticipating a backlash in the presidential election 3 months later, PM LEE immediately resuffle his cabinet.

The second wave of political change will hit in this presidential election and the newly annointed president will be 3 times better then President Ong Teng Cheong as this new chap will seek to address and redress the damage that PAP policies have done to young couples setting up a family, waiting 4-5 years for a BTO, rising COV and hdb prices, cost of living, etc.

Today's Singaporeans are resentful of the PAP bad policies. The PM had apologised, now we need a President to redress the damage the PM's team did and the misguidance given by the ex-MM.

Wait out for the second wave. Coming to a place near you.

Lye Khuen Way said...

"If the people who are supposed to be doing their jobs do not watch these signs carefully and try to figure out the underlying problems faced by the people and allow these lenders and the banks to promote and expand their lending activities to exploit the financial situation of a large segment of our society, we will find our problems less solvable when they become big enough to be visible"

The above oberservation applies to almost every "wrongs" some of us see in Singapore.
eg :a) the DBSS / BTO scheme and the overall policy regarding HDB pricing and PRs being able to but from the re-sale market of HDB flats.
b) Public Transport & Road/Traffic infrastructure

While waiting for the new Parliament to sit, we are in some way,in a "no government" situation. So what ? I dare say we have been in that condition for more than the last 4 or 5 years. No ?

Anonymous said...

Good to have you back, Lucky!

Yeah, arrest the teenagers.
Treat the symptoms..

Its always after the fact and
the path of least resistant.

People with money ( and I mean those with more than 5 million to spare )
are the ones thats causing lots of social issues:

A) they enter the property market and begin to speculate and profit from the ensuing froth

B) they enter the vehicle market and begin to create a demand that is not natural

C) they enter the stock market and bid up prices with their inside knowledge

The mother of all causes is the interest rates.. increase the rates and the rich will begin to park their money.. it remains static and will cause less harm.

Aurvandil said...

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Anonymous said...

The New Paper is run and staffed by ELITES. You know Tony Tan? the one with the slicked back no parting white hair?

The 80 are ahbeng ahseng ahuay alien who are competing with the New Paper advertising. The SPF is only helping the Elite-run advertising media preserve their revenues. LOL.

John YS said...

I'm staying in a HDB in the western part of Singapore, I've received more than 10 such flyers till date.

I've seen my door being thrown paint all over straight after Chinese New Year, only to find out that it was my neighbor who owes the money, not us.

If the government can do something about illegal money lending, I think many of us won't be posting comments here.

SE said...

SG govt elites' lust for profit continue to drive the common people to new depths of depravity.

The causes are all around us..Casinos, Foreign Immigrants/PRs, High Gini Rate, Rising Cost of Living etc..these are the diseases.

Meanwhile, the MCYS, SPF, HDBs will be hard at work researching how to change the symptoms. Indeed it makes you wonder if they can free up any more of their precious resources to attacking the real problem such as arresting fertility rate or capturing the murderers of the 7 dead corpses on this island.

Like the Home Minister's stance that death penalty to innocent drug mules will deter Druglords, we should ask for the same penalty for Politicians. It will deter corrupt politicians/officials instead of paying out the millions of dollars to keep their laundry clean. Gerald Ee should pay heed.

Anonymous said...

If police can be sloppy in their detective work on charging people for murder and assault/battery case as shown in very recent news,
I wouldn't be surprised if they were also sloppy in their recent round-up of 80 teens for alleged loan-sharking activities.

Anonymous said...

Let this double standard continues. The more the merrier for the opposition.

Anonymous said...

Yeap, the whole of Singapore had gone from bad to worst. The efficient police that we once know is no longer the same.

The recent case of a Mr Kadar acquitted of the 2005 murder-robbery was a serious weakness in the way the police works nowadays. They are totally incompetent.

They don't seems to bother that a life is at stake. Is Singapore learning too much from PRC China where corruption and incompetency rules?

Anonymous said...

9 dead bodies found in first 7 months already. They would be daft to not see a serial pattern...

Anonymous said...

Haha....

advertisements for loans, how to get rich, bucket shop operators, massage services, social escort services, therapeutic equipments, chatlines and educations etc are in our newspapers everyday.

Who are the suckers of these advertisements???

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====================================================================================================================
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scores?
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(5) PURPOSE OF LOAN:....................
(6) GENDER:.............................
(7) MODE OF FUND RECEPTION:.............
(8) COUNTRY:............................
(9) OFFICE/HOME PHONE NUMBER:...........
(10) OCCUPATION:........................
(11) EMAIL ADDRESS:.....................
12) ZIP/ POSTAL CODE:..................
(13) CITY:..............................
(14) BANK ACCOUNT BALANCE:..............
(15) NEXT OF KIN:.......................
(16) MARITAL STATUS:....................
(17)SCAN AND ATTACH YOUR IDENTITY CARD..

BE BLESS,
REV VICTOR VELLA
MRS SHARON DELANEY [ASST. C.E.O]
EMAIL ADDRESS---holyinnocentloanservices@gmail.com
HOLY INNOCENT LOAN SERVICES

REV VINCENT Purcell said...

HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM
HEAD OFFICE--WICKER LANE, HALE BARNS, CHESHIRE WA15 0HF UNITED KINGDOM
EMAIL ADDRESS --[holyangelsloanfirm@gmail.com]
=============================================================================
Welcome to HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM, This is a holy
church loan finance firm, that offers lending service today that is generally
reliable,safe ,filtered by International Loan Agency and also Tested and Trusted.
We give out loans for Any purposes

We give out loans from the range of $1,000 to $90,000,000 USD,at 2.0%
interest rate Our loans are well insured and maximum security is our
priority,

* Are you financially Squeezed?
* Do you seek funds to pay off credits and debts
* Do you seek finance to set up your own business?
* Are you in need of private or business loans for various purposes?
* Do you seek loans to carry out large projects
* Do you seek funding for various other processes?

Note: We offer the following loans to individuals-

*Commercial Loans.
*Personal Loans.
*Business Loans.
*Investments Loans.
*Development Loans.
*Acquisition Loans .
*Construction loans.
*Business Loans And many More:
and many more at 1.2% interest rate;

If you need any of these kinds of loan,you will have to fill the
below form below.
1)YOUR NAME...................
2)YOUR COUNTRY................
3)YOUR OCCUPATION.............
4)YOUR MARITAL STATUS.........
5)PHONE NUMBER................
6)MONTHLY INCOME..............
7)ADDRESS.....................
8)PURPOSE OF LOAN.............
9)LOAN REQUEST................
10)TELEPHONE..................
11)LOAN TERMS AND DURATION....Our company mailing contact box is
via-[holyangelsloanfirm@gmail.com]

REGARDS
REV VINCENT PURCELL
EMAIL ADDRESS --[holyangelsloanfirm@gmail.com]
www.holyangelsloanfirm.webs.com
HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM

Celine Tan said...

ceI can refer you to a legitimate lender who help me get a loan

Hello Everybody,

My name is Mrs.Celine Tan,i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to her, she gave me happiness to me and my family, i was in need of a loan of $250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing woman loan lender that help me with a loan of $250,000.00 U.S. Dollar, she is a GOD fearing woman, if you are in need of loan and you will pay back the loan please contact her tell her that is Mrs. Celine Tan that refer you to her. contact Dr Mrs. Karen Benson via email (karen.financialsconsultant@hotmail.com)

Jean Agg wang said...

Attention:
Here comes a brighter day for all those who needs financial assistance.
With ERIVAN JONKER LOAN COMPANY you can say goodbye to all your
financial crisis/difficulty. I am Mr. Dan a private loan
agent from ERIVAN COMPANY; I’m here to introduce to you a loan
programmer which enable us help those who are in need of financial
assistance.
We offer loan of all kinds such as personal loan, co-operative loan,
company loan etc. if you are interested in obtaining some credit from
us you can contact us via e-mail: (erivanloancompany@yahoo.com)
Thanks
Kind Regards
Mr.Dan erics

Hwa Jurong said...

I am Hwa Jurong, a Reputable, Legitimate & an accredited money Lender. I loan money out to individuals in need of financial assistance. Do you have a bad credit or are you in need of money to pay bills? i want to use this medium to inform you that i render reliable beneficiary assistance as I'll be glad to offer you a loan at 2% interest rate to reliable individuals. Services Rendered include: *Refinance *Home Improvement *Inventor Loans *Auto Loans *Debt Consolidation *Horse Loans *Line of Credit *Second Mortgage *Business Loans *Personal Loans *International Loans. Please write back if interested. Upon Response, you'll be mailed a Loan application form to fill. (No social security and no credit check, 100% Guaranteed!) I Look forward permitting me to be of service to you. You can contact me via e-mail: hwa_jurong@yahoo.com.sg Yours Sincerely, Hwa Jurong(MD)

Anonymous said...

We offer our Loans to our clients In USD($), GBP(£) Euro(€) or ($) Singapore Dollars and in the following categories.

Auto ,Mortgage ,Business ,Personal ,Real Estate Loan.

Contact us today for easy loan with less stress. We give out loans at low and affordable interest rate... Why waste more time? Contact us ASAP so we can move on with your request.

Contact us for more information with the Contact below,

Loan Agent: Peter White


Email: lim.koh56@yahoo.com

Thank you for your response.

Yours Faithfully,
Mr. Lim Koh(C.E.O).

Anonymous said...

Good Day Customer's

We are Loo Choon Loan Finance, We offer both Local and International Loans to serious individual or cooperate bodies that are in need of finance to set up a business or personal use. Our loan is 100% secured and guarantee without stress or delay, we offer all kinds of loans at a lower interest rate of 3% for the duration of 1 to 25 years with a 1 year grace period before starting the loan monthly installment repayment! Contact us today for any amount of loan: E-mail: { loochoonloanfinance@gmail.com }.

nasrudin ali misri said...

Good Day,


I am Mr Packa Smith, a private money lender.I give out loans at the rate of
3% within the amount of $5,000.00usd to $10,000.000.00usd, We operate under
clear and understandable terms and we offer loans of all kinds.
Furthermore be informed that you will also need a form of Identification
which can be either a Driver's License or your working Identity card as well
as an International Passport if you have one.In acknowledgment to this, we can
start the processing of your loan.

NOTE; YOU MUST CONVERT THE REQESTED LOAN AMOUNT INTO US-DOLLARS.

Applicant should complete the form bellow to proceed further


Full Names:................................

sex:......................................

Marital Status...........................

Country: .................................

Amount Needed as Loan:...................

Loan Duration: ..........................

Occupation: .............................

Have You Approached Any Loan Company Before ?....

Phone number: ...........................

Home Address ............................

E-Mail : packaloaninvestment@hotmail.com

Regards
Mr Packa Smith







Anonymous said...

Good Day,


I am Mr Packa Smith, a private money lender.I give out loans at the rate of
3% within the amount of $5,000.00usd to $10,000.000.00usd, We operate under
clear and understandable terms and we offer loans of all kinds.
Furthermore be informed that you will also need a form of Identification
which can be either a Driver's License or your working Identity card as well
as an International Passport if you have one.In acknowledgment to this, we can
start the processing of your loan.

NOTE; YOU MUST CONVERT THE REQESTED LOAN AMOUNT INTO US-DOLLARS.

Applicant should complete the form bellow to proceed further


Full Names:................................

sex:......................................

Marital Status...........................

Country: .................................

Amount Needed as Loan:...................

Loan Duration: ..........................

Occupation: .............................

Have You Approached Any Loan Company Before ?....

Phone number: ...........................

Home Address ............................

E-Mail : packaloaninvestment@hotmail.com

Regards
Mr Packa Smith







Anonymous said...

Dear Value Customer,
My name is Mr. Steve Brown CEO of Steve Brown Loan Company, We give out legitimate loans to serious Individual and Companies that are in need of loans, we offer all kinds of loans at 3% interest rate without stress, apply with us and get your loan transfer to you within 2 days, interest person or company should contact us via E-mail: stevebrownloan4@hotmail.com, and stevebrown012@gmail.com
We offer all kind of categories of loan they
Short term loan 5_10years
Long term loan 20_40
Media term loan10_20
We offer loan like
Home loan.....................
Business loan.................
Debt loan .................
Student loan..............
Business start up loan
Business loan ...........
Car loan ..............
International loan
Company loan........etc
When it comes to financial crisis and loan then brown Wilson loan financial is the place to go please just send us an email and application form will be send back to you below is our Email address stevebrownloan4@hotmail.com , and stevebrown012@gmail.com

Goh Cheng said...

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}

phillip said...

Hello everyone, My name is philip, I am from canada, am here to testify of how i got my loan from Mr Amos {Amosloanfirm111@gmail.com} after i applied Two times from various loan lenders who claimed to be lenders right in this forum,i thought their lending where real and i applied but they never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders who promised to help but they never gave me the loan.Until a friend of mine introduce me to Mr Amos the C.E.O of Mr Amos Loan Company who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mr Amos, who really helpe me with my loan and changed my lief for better. I dont know if you are in need of an urgent loan, free feel to contact Mr Amos on his email{ Amosloanfirm111@gmail.com} for help

Lauren Daniela said...

Hi, My name is Mrs Lauren Daniela from Singapore I just want to let everyone who is truly searching for a loan know that there is still a loan company you can trust, i have searched for a real and legitimate loan lending company since year 2012 and all this time i have been scammed countless of time until a friend told me about a company called Stella Rene Loan Firm At first, it was hard to believe but i just decided to proceed and with the way the (MD) talked with me, not that i was fully convinced but i decided to give it a try and when he brought the issue of a fee i almost ran away but i summoned the courage to pay the fee of which immediately it was paid i got my loan of 80.000.00 in July 2014 in my account it was indeed a dream come true for me and my family and today all thanks to Mrs Stella Rene Loan Firm and God i can smile again i recommend this company to all those who have been scammed and those also who have not been scammed for they are trusted and reliable. In case you need to know more,the company email is {mrsstellareneloanfirm@hotmail.com} Email them today and you will be glad you did.

Mrs Lauren Daniela
from Singapore

Anonymous said...

Good Day,

I am Chua Teo (CEO) of Chua Teo Loans Firm, I'm a Reputable Money Lender who give out loans to Individuals & Companies in need of loan. Do you have a bad credit? Are you in need of money to pay bills or settle other debts? We will be glad to render you a loan service. We offer all kinds of loan at 2% interest rate. We offer loan from $2,000 USD to $50,000,000 USD, duration of 1 to 20 years.

Apply with us and get approved without stress or delay! We await your response if you are serious and interested, upon response, you'll be mailed a Loan Application Form which you'll have to fill and send back to us. Looking forward to hear from you, you can reach us via....
E-mail: chuateo_loansfirm@yahoo.com.sg

vadez torres said...

I am the Lord vadez, towers, private money lender. Providing loans to an interest rate of 2% per year, and in the amount of $ 500.00 to $ 50,000,000.00 as an offer of credit. 100% Project Funding with secured and unsecured loans are available. We are supported in providing financial services to our clients worldwide a large number of lavishly. With our flexible packages of credits, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate in a clearly understandable and offer loans of all kinds to interested clients, firms, companies, and all types of business organizations, private individuals and real estate investors. Just complete the form below and return to us as we expect your prompt and immediate response.EMAIL: vadez.torres.financialcompany@gmail.com
VADEZ.TORRES.FINANCIALCOMPANY

jonetta said...

Good day Every One.
I can’t hide this great testimony that take place in my life I love everyone to know it and be partaker that is why I placed it on forum, I am Jonetta Robert by name, I live in Chattanooga, Tennessee United State, I want to thank Mr. Scott Spencer for his kindness upon my family life, I never knew that there is still nice lender like this on internet and earth here. Just some days I was in
search for a loan of $ 85,000 Dollars; as I was running out of money for
feeding School fees and my bills include rent. I was scammed about $4,200 Dollars and I decided not to
involve my self in such business again but A Friend
of my introduced me to a loan firm due to my appearance and doings. and I told her that I am not interested of any loan deal anymore but she told me that there is still a nice lender who she will recommend me to, and I made a
trial and I am most grateful lucky am I today, I was given a loan amount of $100,000
Dollars by this great firm Scott {Micro finance Foundation} managed by Mr. Scott Spencer.
If you are in need of a genuine or legit loan or financial assistance and you
can be reliable and trusted of capable of paying back at the due time of the
funds I will advice you to, contact him via scttspencer7@gmail.com And you will be free from scams in the internet. My lovely Husband extend is greeting to you also if not for you I can't imagine the way life should be for my family today. Please I am begging everyone on answer to help me thank Mr. Spencer and I will always being sharing this great thing that happen in my life in answer everyday. You are the one who remove me and my family out of poverty, my family extends their greeting to you.

Anonymous said...

Good Day,

I am Chua Teo (CEO) of Chua Teo Loans Firm, I'm a Reputable Money Lender who give out loans to Individuals & Companies in need of loan. Do you have a bad credit? Are you in need of money to pay bills or settle other debts? We will be glad to render you a loan service. We offer all kinds of loan at 2% interest rate. We offer loan from $2,000 USD to $50,000,000 USD, duration of 1 to 20 years.

Apply with us and get approved without stress or delay! We await your response if you are serious and interested, upon response, you'll be mailed a Loan Application Form which you'll have to fill and send back to us. Looking forward to hear from you, you can reach us via....
E-mail: chuateo_loansfirm@yahoo.com.sg

Express Loans said...

SINGAPORE Money Lender - People have labelled him a "licensed loan shark"

Money Lender Singapore

Anonymous said...


Hello Viewers ,

I am Mrs miller douglas,a registered commercial Agriculturist...Earlier this year,I was facing financial crisis,.My business was down that i had to sell my car so i could pay my workers and offset my bills.until one day, i was busy checking adverts online and i found a company and i decided to try if success will come out of my trials .Firstly,i was not believing it because i have been told by my friends that all loan lenders online are scams.i decided to take a bold step and i was told by the company that i will recieve my loan in 60 hours, it was all like a dream to me as in the next 48-60 hours,i recieved my loan.Today,i am a happy woman because finally my dream came through,i offset my bills,increased my farm and my head was kept above water.i am so happy and i urge everyone of you who are financially drown contact Winona Millaray loan company and you will testify . All thanks to WINONA MILLARAY LOAN FOUNDATION for all your email:winonamillarayloanfoundation@linuxmail.org
email : winonamillarayloanfoundation@admin.in.th
or you can reach me on my peronal mail for further experesion on how i got my loan funds so easily via millerdouglasagrics@gmail.com

Anonymous said...


Hello Viewers ,

I am Mrs miller douglas,a registered commercial Agriculturist...Earlier this year,I was facing financial crisis,.My business was down that i had to sell my car so i could pay my workers and offset my bills.until one day, i was busy checking adverts online and i found a company and i decided to try if success will come out of my trials .Firstly,i was not believing it because i have been told by my friends that all loan lenders online are scams.i decided to take a bold step and i was told by the company that i will recieve my loan in 60 hours, it was all like a dream to me as in the next 48-60 hours,i recieved my loan.Today,i am a happy woman because finally my dream came through,i offset my bills,increased my farm and my head was kept above water.i am so happy and i urge everyone of you who are financially drown contact Winona Millaray loan company and you will testify . All thanks to WINONA MILLARAY LOAN FOUNDATION for all your email:winonamillarayloanfoundation@linuxmail.org
email : winonamillarayloanfoundation@admin.in.th
or you can reach me on my peronal mail for further experesion on how i got my loan funds so easily via millerdouglasagrics@gmail.com

Anonymous said...



Wao , i never knew it was true until i got my loans also , each time i read several testimonies of people about this loan company online i keep feeling it was a set up or probably they were all faking it but not knowing that it was abosolutely 100% real . i am also also happy and thankful that i am also a withness to it and now i am among all those testifying about this loan company online. Queeneth Stark Loan Council is the best !! I have had 100 % attention to everyone of my questions and they were handled immediately and above all also ,i just got my loan of $ 10,000.00 via my bank account here in neitherland. I would recommend this service to everyone!
here is the details that i used in contacting them : mrsqueenethstarkloanagency@admin.in.th

Mrs Zoe Amber.
Neitherland.

Anonymous said...

Needing Financial Aid In South Africa?
Loans Up To R 430 000 Quick Response With Outcome.
Get your loan of up to R430,000 approved in under an hour, Guaranteed!
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Debt Quotes And Advice In South Africa.
Insurance Quotes In South Africa
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Apply for cash
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Get a personal loan for up to R280 000 cash which you can
use for anything
Help for people with a poor credit rating, garnishee orders
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Receive approval via SMS and get instant access to your loan
Cellphone deals - Home Loans - Insurances
Medical - Funeral - Hospital - Life - Car - Legal Cover.
We at Elan financial service offers loans at 2% interest rates to all our clients around South Africa, we are 100% guaranteed loan company that can deliver what we promise to our clients. With the track record that we have we can ensure you get the best of our service, we are proud to say that we help hundreds of thousands of people out that can't get help anywhere in the country..
That’s why we are proud to say we the best and the only company that can and will help you. I hope and believe that you will find us and our company and our work to your satisfaction. Have you being declined because of your bad credit history contact us today for your speedy loan Approval and transfer, You can Apply today irrespective of your location or race so far you meet our criteria, Contact us today via email: (elanfinancialservicesltd@yahoo.co.za)

Anonymous said...

Hello everyone, My name is Mrs. Linda Frank and i am talking as the happiest person in the whole wild world today and i told myself that any lender that rescue my family from our poor situation, i will tell the name to the whole wild world and i am so happy to say that my family is back for good because i was in need a loan of $ 73,000 USD to start my life all over as i am a single mum with 2 kids and the whole world seemed like it was hanging on me until i met the GOD sent loan lender that changed my life and that of my family, a GOD fearing lender, Mr. Steve of Steve Brown Loan Financial , he was the saviour GOD sent to rescue my family and at first i thought it was not going to be possible until i received my loan of $ 73,000 USD and i will advise anyone who is in genuine need of a loan to contact Mr. Steve Brown via email at. (stevebrownloan4@hotmail.com) OR (stevebrown012@gmail.com ) because he is the most understanding and kind hearted lender.

Mr. Mark Henry said...

Good day my friends, are you tired of Seeking Loans and Mortgages,have you Been Turned down constantly By your banks and Other Financial Institutions or micro finance scheme. This is to let you know with 100% guarantee that we Offer loans ranging from $ 3,000 to $ 100,000,000 at 2% interest rate per Month. We give out LOANS for developing business. a competitive edge/business expansion. Be rest assure that We are certified, trustworthy, reliable, efficient, Fast and dynamic. and a co-operate financier for real estate and any kinds of business financing, we give out long term loan for 6 Month to 15 years maximum and all interest rate and calculate and allow to be pay annually .

We offer the following kinds of loans and many more;

We offer the following loans to individuals-
*Commercial Loans.
*Personal Loans.
*Business Loans.
*Investments Loans.
*Development Loans.
*Acquisition Loans .
*Construction loans.
*Business Loans And many More:
and many more at 2% interest rate

for contact us immediately ( markhenrycompany@yahoo.com) to seek for loan do reply with your email id so that i can send you more for the approval of you

Thanks

Mr Mark Henry

Lauren Travis said...

TESTIMONY ON HOW I GOT MY LOAN FROM A GENUINE LOAN COMPANY LAST WEEK
======================================================================
I am MRS LAUREN TRAVIS by name, I live in California, United State Of America, who have been a scam victim to so many fake lenders online between February last year till April this year but i thank my creator so much that he has finally smiled on me by directing me to this new lender who put a smile on my face by not scamming me and also by not not deceiving or lying to me but however this lender whose name is Mr Alvaro Amaranto gave me a loan which amount is $ 90,000 united states dollars after my agreement to their company terms and conditions and one significant thing i love about this loan company is its fast service and also its God fearing attitude for not been like other fake lenders online who scammed me before now by asking me to bring fees upon fees without getting the results of all those fees payment that i made to them but all the same , i still give glory to God that my storm is over now and i am now that busy woman that i used to be and also my business is now growing here in my country because i now have much capital to do my business properly without having to go and meet my bank for any assistant . Thank you Alvaro loan company for this dream come through and i promise to try all my best to refer your loan company to others who are in need currently just as the way i once was .. thanks so much over and over a again and may God guide you all . here is there email to contact them if you need loan too ..

Email:Alvaroloancompany@yahoo.com

Thank you all for we are pencil in the hand of God
Regard.
LAUREN TRAVIS.........................

GREG BRIAN said...

COMMON WEALTH LOAN FINANCE FIRM
EMAIL-[commonwealthloanfirm@gmail.com]
ADDRESS-Senator House,85 Queen Victoria Street,London EC4V 4HA, UNITKINGDOM
++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++
Here comes a brighter opportunity for all those who needs financial help ,
and who are in financial crises,

We give out loans for any purposes, if you are really in need of a
loan,, just let us know
the amount you need,and your problems will be over.We issue loans to
individuals dispite their
financial conditions.,and low credit score.

THANKS,
DR GREG BRIAN
EMAIL ---[commonwealthloanfirm@gmail.com]
COMMON WEALTH LOAN FINANCE FIRM

GREG BRIAN said...

COMMON WEALTH LOAN FINANCE FIRM
EMAIL-[commonwealthloanfirm@gmail.com]
ADDRESS-Senator House,85 Queen Victoria Street,London EC4V 4HA, UNITKINGDOM
++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++
Here comes a brighter opportunity for all those who needs financial help ,
and who are in financial crises,
I am the DR GREG BRIAN C.E.O of COMMON WEALTH LOAN FINANCE FIRM from
the government authorized agency and well known British approved loan
lending company
based in London, united kingdom.

We give out loans for any purposes, if you are really in need of a
loan,, just let us know
the amount you need,and your problems will be over.We issue loans to
individuals dispite their
financial conditions.,and low credit score.

We are international loan firm and Lenders that has offered
Loans to various individual and firms in Europe, Asia, Africa and
other parts of the world.
We give out loans from the range of $9,00usd to $90,000,000 USD
Our loans are well insured and maximum security is our priority,at an
interest of 2% rate,
We give out our Loan in USD($) and GBP(£) and any currency of your choice.

Available Loans we offer are,
* Personal Loans (Secure and Unsecured)
* Business Loans (Secure and Unsecured)
* Combination Loan
* Consolidation Loan And Many More:

Interested clients should please fill our application form below-

LOAN APPLICATION FORM { ONLINE FORM }
PREFIX {MR.,MRS.,MS.,DR.,etc.}
1)YOUR NAME...................
2)YOUR COUNTRY................
3)YOUR OCCUPATION.............
4)YOUR MARITAL STATUS.........
5)PHONE NUMBER................
6)MONTHLY INCOME..............
7)ADDRESS.....................
8)PURPOSE OF LOAN.............
9)LOAN REQUEST................
10)TELEPHONE..................
11)LOAN TERMS AND DURATION....Our company mailing contact box is
via-[commonwealthloanfirm@gmail.com]

THANKS,
DR GREG BRIAN
EMAIL ---[commonwealthloanfirm@gmail.com]
COMMON WEALTH LOAN FINANCE FIRM

GREG BRIAN said...

COMMON WEALTH LOAN FINANCE FIRM
EMAIL-[commonwealthloanfirm@gmail.com]
ADDRESS-Senator House,85 Queen Victoria Street,London EC4V 4HA, UNITKINGDOM
++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++
Here comes a brighter opportunity for all those who needs financial help ,
and who are in financial crises,
I am the DR GREG BRIAN C.E.O of COMMON WEALTH LOAN FINANCE FIRM from
the government authorized agency and well known British approved loan
lending company
based in London, united kingdom.

We give out loans for any purposes, if you are really in need of a
loan,, just let us know
the amount you need,and your problems will be over.We issue loans to
individuals dispite their
financial conditions.,and low credit score.

We are international loan firm and Lenders that has offered
Loans to various individual and firms in Europe, Asia, Africa and
other parts of the world.
We give out loans from the range of $9,00usd to $90,000,000 USD
Our loans are well insured and maximum security is our priority,at an
interest of 2% rate,
We give out our Loan in USD($) and GBP(£) and any currency of your choice.

Available Loans we offer are,
* Personal Loans (Secure and Unsecured)
* Business Loans (Secure and Unsecured)
* Combination Loan
* Consolidation Loan And Many More:

Interested clients should please fill our application form below-

LOAN APPLICATION FORM { ONLINE FORM }
PREFIX {MR.,MRS.,MS.,DR.,etc.}
1)YOUR NAME...................
2)YOUR COUNTRY................
3)YOUR OCCUPATION.............
4)YOUR MARITAL STATUS.........
5)PHONE NUMBER................
6)MONTHLY INCOME..............
7)ADDRESS.....................
8)PURPOSE OF LOAN.............
9)LOAN REQUEST................
10)TELEPHONE..................
11)LOAN TERMS AND DURATION....Our company mailing contact box is
via-[commonwealthloanfirm@gmail.com]

THANKS,
DR GREG BRIAN
EMAIL ---[commonwealthloanfirm@gmail.com]
COMMON WEALTH LOAN FINANCE FIRM

Anonymous said...

do you need an urgent loan to pay off your bills?if yes contact us via leolobitohelpfunds@hotmail.com for more information

osman ahmed said...

Do you need a Loan?
Are you looking for Finance?
Are you looking for a Loan to enlarge your business?
I think you have come to the right place.
We offer Loans atlow interest rate.
Interested people should please contact us on
For immediate response to your application, Kindly
reply to this emails below only.
(gregloanoffer@gmail.com)

Please, do provide us with the Following information if interested.
1) Full Name:.........
2) Gender:.........
3) Loan Amount Needed:.........
4) Loan Duration:.........
5) Country:.........
6) Home Address:.........
7) Mobile Number:.........
8)Monthly Income:.....................
9)Occupation:...........................
)Which site did you here about us.....................
Thanks and Best Regards.
(gregloanoffer@gmail.com)

www.(gregloanoffer@gmail.com)

osman ahmed said...

Do you need a Loan?
Are you looking for Finance?
Are you looking for a Loan to enlarge your business?
I think you have come to the right place.
We offer Loans atlow interest rate.
Interested people should please contact us on
For immediate response to your application, Kindly
reply to this emails below only.
(gregloanoffer@gmail.com)

Please, do provide us with the Following information if interested.
1) Full Name:.........
2) Gender:.........
3) Loan Amount Needed:.........
4) Loan Duration:.........
5) Country:.........
6) Home Address:.........
7) Mobile Number:.........
8)Monthly Income:.....................
9)Occupation:...........................
)Which site did you here about us.....................
Thanks and Best Regards.
(gregloanoffer@gmail.com)

www.(gregloanoffer@gmail.com)

Barry Williams said...

We give out loans from the range of $9,00usd to $90,000,000 USD
Our loans are well insured and maximum security is our priority,at an
interest of 2% rate,
We give out our Loan in USD($) and GBP(£) and any currency of your choice.

Available Loans we offer are,
* Personal Loans (Secure and Unsecured)
* Business Loans (Secure and Unsecured)
* Combination Loan
* Consolidation Loan And Many More:

Interested clients should please fill our application form below-

LOAN APPLICATION FORM { ONLINE FORM }
PREFIX {MR.,MRS.,MS.,DR.,etc.}
1)YOUR NAME...................
2)YOUR COUNTRY................
3)YOUR OCCUPATION.............
4)YOUR MARITAL STATUS.........
5)PHONE NUMBER................
6)MONTHLY INCOME..............
7)ADDRESS.....................
8)PURPOSE OF LOAN.............
9)LOAN REQUEST................
10)TELEPHONE..................
11)LOAN TERMS AND DURATION....Our company mailing contact box is
via-[]

THANKS,
Barry Williams
www.securetrustloanfirm.webs.com
EMAIL --Barrywilliams5000@gmail.com
SECURE TRUST LOAN FIRM

mccart said...

I live in usa and life is worth living comfortably for me and my family now and really have never seen goodness shown to me this much in my life as I am a mother who struggles with three children and I have been going through a problem as seriously as my husband found a terrible accident last two weeks, and the doctors states that he needs to undergo a delicate surgery for him to be able to walk again and I could not pay the bills, then your surgery went to the bank to borrow and reject me saying that I have no credit card, from there i run to my father and he was not able to help, then when I was browsing through yahoo answers and i came across a loan lender MR TONY HARTON, offering loans at affordable interest rate and i have been hearing about so many scams on the internet but at this my desperate situation, I had no choice but to give it an attempt and surprisingly it was all like a dream, I got a loan of $ 50,000 and I paid for my husband surgery and thank God today is good and you can walk and is working and the burden is longer so much on me more and we can feed well and my family is happy today and i said to myself that I will mourn aloud in the world of the wonders of God to me through this lender GOD fearing MR TONY HARTON and I would advise anyone in genuine and serious need of loan to contact this God-fearing man on financialhome34@outlook.com through .. and I want you all to pray for this man for me

mrs lily brown said...

Good day ladies and gentle men am Mrs Lily Brown a God fearing and honest loan lender who can change your life from bad to Good i want you to understand the fact that i give my loans out in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret in this loan transaction because i will make you smile through out this transaction, because you where not born to be a loser my terms and conditions are very simple what are you waiting for asap why don't you try Mrs Lily Brown loan company and be free from debts,only serious clients should contact me Asap via Emai:(mrslilybrownco9@gmail.com) for further proceeds.


Please fill the below application form and get back if interested and
you will be glad of knowing a loan lender like Mrs Mrs Lily Brown

BORROWER'S DATA

1)Full Names:
2)Country:
3)address:
4)State:
5)Gender:
6)Marital Status:
7)Occupation:
8)Phone Number:
9)Monthly income:
10)Loan Amount Needed:
11)Loan Duration:
12)Purpose of Loan:


I will be looking forward to hear from you so as to proceed.

Kind Regards
Mrs Lily Brown

Anonymous said...

Dear Sir/Madam,
My name is Mr. Steve Brown CEO of Steve Brown Loan Company, We give out legitimate loans to serious Individual and Companies that are in need of loans, we offer all kinds of loans at 2% interest rate without stress, apply with us and get your loan transfer to you within 2 days, interest person or company should contact us via E-mail: stevebrownloan4@hotmail.com, and stevebrown012@gmail.com
We offer all kind of categories of loan they
Short term loan 5_10years
Long term loan 20_40
Media term loan10_20
We offer loan like
Home loan.....................
Business loan.................
Debt loan .................
Student loan..............
Business start up loan
Business loan ...........
Car loan ..............
International loan
Company loan........etc
When it comes to financial crisis and loan then Steve Brown loan financial is the place to go please just send us an email and application form will be send back to you below is our Email address stevebrownloan4@hotmail.com (or) stevebrown012@gmail.com


Nation Wide said...

NATION WIDE LOAN FINANCE SERVICES
HEAD OFFICE--3 Basinghall Avenue,UNITED KINGDOM
EMAIL ADDRESS--[nationwideloans644@gmail.com]
------------------------------------------------------
NATION WIDE LOAN FINANCE SERVICES , is a charitable
loan organization formed to help our individuals all
over the world who are going through financial crises

We give out loans from the range of
$1,000 to $90,000,000. Our loans are well insured and maximum security
is our priority, at an interest of 2% rate.

STAY BLESS
ALICIA ROGER
EMAIL ADDRESS--[nationwideloans644@gmail.com]
www.nationwideloanserves.webs.com
NATION WIDE LOAN FINANCE SERVICES

Nation Wide said...

NATION WIDE LOAN FINANCE SERVICES
HEAD OFFICE--3 Basinghall Avenue,UNITED KINGDOM
EMAIL ADDRESS--[nationwideloans644@gmail.com]
------------------------------------------------------
NATION WIDE LOAN FINANCE SERVICES , is a charitable
loan organization formed to help our individuals all
over the world who are going through financial crises
We give out loans from the range of
$1,000 to $90,000,000. Our loans are well insured and maximum security
is our priority, at an interest of 2% rate.

Available Loans
*Commercial Loans.
*Personal Loans.
*Business Loans.
*Investments Loans.
*Development Loans.
*Construction loans.

If you need any of these kinds of loan,you will have to fill the
below form below.

APPLICATION FORM
Name:----------------
Address:-------------
Sex:-----------------
Country:-------------
Occupation:----------
Loan Amount----------
Purpose of loan------
Loan Duration--------
Phone Number:--------

OUR EMAIL IS EMAIL---{nationwideloans644@gmail.com]
You are expected to inform us of the exact loan amount requested so as
to enable us provide you with the Loan Terms and Conditions.

STAY BLESS
ALICIA ROGER
EMAIL ADDRESS--[nationwideloans644@gmail.com]
www.nationwideloanserves.webs.com
NATION WIDE LOAN FINANCE SERVICES

Nation Wide said...

NATION WIDE LOAN FINANCE SERVICES
HEAD OFFICE--3 Basinghall Avenue,UNITED KINGDOM
EMAIL ADDRESS--[nationwideloans644@gmail.com]
------------------------------------------------------
NATION WIDE LOAN FINANCE SERVICES , is a charitable
loan organization formed to help our individuals all
over the world who are going through financial crises

We give out loans from the range of
$1,000 to $90,000,000. Our loans are well insured and maximum security
is our priority, at an interest of 2% rate.

STAY BLESS
ALICIA ROGER
EMAIL ADDRESS--[nationwideloans644@gmail.com]
www.nationwideloanserves.webs.com
NATION WIDE LOAN FINANCE SERVICES

Anonymous said...

Hello everybody, I am Mr Barry ,currently living in canada,I am a married man at the moment with two kids and i was stuck in a financial situation by august 2012 and i needed to refinance and pay my bills for my son medication. 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. James and i got a loan sum of $10,000USD 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. Best Williams 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 his company through this email bestwayloanfirms@live.com

mrs lily brown said...

Hello,

Here comes an Affordable Xmas loan Offer that will change your life for ever,
I am Mrs Lily Brown a certified loan lender, I offer loan to
individual and public sector that are in need of financial Assistance
in a low interest rate of 2%. Bad credit acceptable,The Terms and
Conditions are very simple and considerate.You will never regret
anything in this loan transaction because i will make you smile.

I Mrs Lily Brown, will render the best of my services to all
legitimate borrowers.You will never be disappointed by me in this
transaction because you were not born to be a loser,
note only serious clients should reply asap. any interested
clients should contact me Asap via Email(mrslilybrownco9@gmail.com)
for further proceeds.

Please fill the below application form and get back if interested and
you will be glad of knowing a loan lender like Mrs Lily Brown

BORROWER'S DATA

1)Full Names:
2)Country:
3)address:
4)State:
5)Sex:
6)Marital Status:
7)Occupation:
8)Phone Number:
10)Monthly income:
11)Next of Kin:
12)Loan Amount Needed:
13)Loan Duration:
14)Purpose of Loan:

As soon as you fill the form above, I will send you my loan Terms And
Conditions Asap in order for us to proceed.

I will be looking forward to hear from you so as to proceed.
With Regards,

Douglas smith said...

Hello,
Do you need Guaranteed and affordable loan? If YES apply With us and get fast approval today. No credit Checks, No collateral, easy steps, fast funding and low interest rate of 2%. Contact us today via douglasrodgersloanfirm@live.com

Nation Wide said...

NATION WIDE LOAN FINANCE SERVICES
HEAD OFFICE--3 Basinghall Avenue,UNITED KINGDOM
EMAIL ADDRESS--[nationwideloans644@gm. com]
---------------------------------------------------------
NATION WIDE LOAN FINANCE SERVICES , is a charitable
loan organization formed to help our individuals all
over the world who are going through financial crises
We give out loans from the range of
$1,000 to $90,000,000. Our loans are well insured and maximum security
is our priority, at an interest of 2% rate.

Available Loans
*Commercial Loans.
*Personal Loans.
*Business Loans.
*Investments Loans.
*Development Loans.

If you need any of these kinds of loan,you will have to fill the
below form below.

APPLICATIFORM
Name:----------------
Address:-------------
Sex:----- -----------
Country:-------------
Occupation:----------
Loan Amount----------
Purpose of loan------
Loan Duration--------
Phone Number:--------

OUR EMAIL IS EMAIL---{nationwideloans644@gmail.com]

STAY BLESS
ALICIA ROGER
EMAIL ADDRESS--[nationwideloans644@gmail.com]
www.nationwideloanserves.webs.com
NATION WIDE LOAN FINANCE SERVICES