Monday, March 7, 2016

Numbers mislead when comparing the tax systems of the United States with the social democracies



This is part 2 of a two-part series on comparing the tax systems of the social democracies with that of the United States. I was motivated to write on this topic because it has become very fashionable for conservatives to point out that the social democracies tax regressively in order to "debunk" American fans of social democracy--since people who support social democracy tend to also support progressive taxation. Critics use the supposed regressivity of the tax systems in the social democracies to argue that progressive taxation and social democracy are incompatible.

This is wrong for two reasons, and that was the focus of the first post. First, the social democratic system is for the most part very progressive; the confusion stems from the fact that most experts on the American tax system assume that the social democratic system is basically the same as the American social welfare system, only more generous. But that's not true--the social democratic system is a different system entirely.

Second, the social democratic tax system actually is regressive for the richest 1%, who pay a lower tax rate than most of the poorest 99%. Many conservatives would like the conclusion to be that raising taxes on the richest 1% is therefore incompatible with social democracy. However, the richest 1% of the social democracies accounts for under 10% of national income, whereas the richest 1% in the United States accounts for nearly a quarter of national income. If the richest 1% has lower tax rates in the social democracies than the poorest 99%, the welfare state can still be funded because the richest 1% accounts for under 10% of all national income. But in the Untied States, a robust welfare state could not be funded without taxing the richest 1% higher than the social democracies do; they simply control too much of the national income.

I picked on Kyle Pomerleau of the Tax Policy blog not because he was a particularly ill-informed example, but because he was a particularly competent example. Most analysis of the differences of tax systems in the social democracies is so hopelessly muddled that there's nothing to criticize; it's simply all wrong. Pomerleau got a lot of the technical details correct about the social democratic tax system, so lets turn now to that topic.

Income taxes
To begin, Pomerleau notes that taxes and marginal tax rates are higher in the social democracies. True. And the highest tax rates kick in at much lower income levels:
However, the rates are not necessarily the most important feature of the Scandinavian income tax systems. In fact, the United States’ top marginal income tax rate is higher than Norway’s and only 18 percent lower than Sweden’s, yet raises 40 percent less income and payroll tax revenue than Norway and 50 percent less than Sweden.
The top marginal tax rate of 60 percent in Denmark applies to all income over 1.2 times the average income in Denmark. From the American perspective, this means that all income over $60,000 (1.2 times the average income of about $50,000 in the United States) would be taxed at 60 percent...Sweden’s top marginal tax rate of 56.9 percent applies to all income over 1.5 times the average income in Sweden. Norway’s top marginal tax rate of 39 percent applies to all income over 1.6 times the average Norwegian income.
Compare this to The United States. The top marginal tax rate of 46.8 percent (state average and federal combined rates) kicks in at 8.5 times the average U.S. income (around $400,000). Comparatively, few taxpayers in the United States face the top marginal rate.
That last paragraph needs a little more perspective. There is almost no one in the United States who pays the top marginal tax rate. Pomerleau notes that the top rate starts around $400,000. The poorest members of the richest 1% don't even make that much:
The average household income of the 1% was $1.2m in 2008, according to federal tax data. The ultra-rich skew that average upwards: admission to the 1% began at $380,000 in 2008.
And furthermore, much of the richest 1% mostly pays capital gains taxes, which are taxed at a much lower rate; the highest tax rate on capital gains is just 20% (and 15% prior to 2013). The richest 1% pay about 20% of their income in taxes, suggesting that income for this group overwhelmingly comes from capital gains. Famously, this means that Warren Buffet's secretary pays a higher tax rate than he does.

It's misleading in the extreme to talk about income taxes in isolation from capital gains taxes--especially if you want to talk about progressivity of tax systems, as Pomerleau clearly does. You can't talk about the supposed progressivity of the American tax system based on income tax rates when the wealthiest Americans don't pay income taxes, instead paying lower (20%) capital gains tax rates. We'll take up the issue of capital gains taxes below.



Value Added Taxes (VAT)
The social democracies also collect quite a bit in Value Added Taxes:
Denmark collects about 9.6 percent of GDP through the VAT, Norway collects about 7.8 percent, and Sweden collections about 9 percent of GDP. All three countries have VAT rates of 25 percent. The United States does not have a national sales tax or VAT. Instead, states levy sales taxes. The average rate across the country is about 7 percent. The much lower rate only collects about 2 percent of U.S. GDP in revenue.
Some important points about VAT. First: What is a VAT? A VAT is kind of like a sales tax. Wikipedia's examples are the best I've seen explaining VAT. Here is how sales taxes work:
With a 10% sales tax:
  • The manufacturer spends $1.00 for the raw materials, certifying it is not a final consumer.
  • The manufacturer charges the retailer $1.20, checking that the retailer is not a consumer, leaving the same gross margin of $0.20.
  • The retailer charges the consumer $1.50 + ($1.50 x 10%) = $1.65 and pays the government $0.15, leaving the gross margin of $0.30.
And here is how a VAT works:
With a 10% VAT:
  • The manufacturer spends ($1 + ($1 × 10%)) = $1.10 for the raw materials, and the seller of the raw materials pays the government $0.10.
  • The manufacturer charges the retailer ($1.20 + ($1.20 × 10%)) = $1.32 and pays the government ($0.12 minus $0.10) = $0.02, leaving the same gross margin of ($1.32 – $1.10 – $0.02) = $0.20.
  • The retailer charges the consumer ($1.50 + ($1.50 × 10%)) = $1.65 and pays the government ($0.15 minus $0.12) = $0.03, leaving the same gross margin of ($1.65 – $1.32 – $0.03) = $0.30.
  • The manufacturer and retailer realize less gross margin from a percentage perspective.
  • Note that the taxes paid by both the manufacturer and the retailer to the government are 10% of the values added by their respective business practices (e.g. the value added by the manufacturer is $1.20 minus $1.00, thus the tax payable by the manufacturer is ($1.20 – $1.00) × 10% = $0.02).
With VAT, the consumer has paid, and the government received, the same dollar amount as with a sales tax. The businesses have not incurred any tax themselves. Their obligation is limited to assuming the necessary paperwork in order to pass on to the government the difference between what they collect in VAT (output tax, an 11th of their sales) and what they spend in VAT (input VAT, an 11th of their expenditure on goods and services subject to VAT).
Thanks Wikipedia.

However, Pomerleau is quite mistaken about VAT rates. He says of Denmark, Norway, and Sweden: "All three countries have VAT rates of 25 percent." This is wrong for Sweden and Norway. 25% is indeed the top VAT rate in Sweden and Norway, but it doesn't apply to all sales. In Sweden:
The VAT standard rate is 25 percent and there are two reduced rates of 12 and 6 percent as well as a zero rate. The 12 percent rate applies to food, restaurant and catering services, hotel stays and camping stays. The 6 percent rate apply to most public transport, transport in skilifts, books, magazines & newspapers, admissions to cultural events, sports, admission to zoological gardens. The zero rate apply to for example health care, education, postal services, financial services, insurance, pharmaceuticals sold on prescription and rental & sales of immovable property (ibid. p. 188).
For Norway:
The standard rate of VAT is 25%. A reduced rate of 15% applies to foodstuffs. A super reduced rate of 8% applies to passenger transport, the national television licence fee and cinemas. Hotel and accommodation services are subject to VAT at 8% from 1 September 2006.
And in Norway, exports are exempt from VAT, nearly all services are exempt from VAT, and certain goods, including books, newspapers, used cars, and ships are exempt from VAT.

Denmark only exempts certain newspapers from VAT; all other transactions are subject to that 25% rate.

I'm not sure how Pomerleau missed this. His employer, the Tax Foundation doesn't forget that not all sales are covered by American state and local sales taxes; why should he overlook the fact that not all sales in Scandinavia are subject to the highest VAT rate? Let's imagine a hypothetical Swedish family that spends a third of their income on food, a third on entertainment, and a third on rent, with zero savings. Rent is not subject to VAT; most entertainment is only taxed at 6%; and food is taxed at 12%. For this hypothetical family budget, VAT will only be 6% of income. Many common purchases would not be subject to VAT, nor are savings are not subject to VAT.

Clearly, Scandinavian VAT is not as simple as a 25% rate; nonetheless, the social democracies do collect a lot of tax revenue with VAT.

Pomerleau insists that VAT is regressive, which makes sense, because consumption taxes are generally regressive. This is because lower income households tend to spend a higher percentage of their income than high income households. This is simply because lower income households have less income and need to spend a higher percentage of their income to meet their basic needs. In turn--because a higher percentage of income is spent on consumption--the overall consumption tax burden on low income families (as a percentage of their income) is higher. Indeed, Citizens for Tax Justice points out the bitter unfairness of sales taxes in the United States. But it's not that simple for VAT taxes (emphasis added):
In the 15 remaining EU-27 countries [including Denmark, Finland, and Sweden], VAT payments as a fraction of expenditures are more than 0.5 percentage points higher for the richest households than for the poorest households; we therefore define these VAT systems to be progressive.
Since these calculations of tax burden are as a percentage of household expenditure (rather than household income), it's more fair to characterize VAT as regressive. Clearly, however, there are important caveats.

Corporate Taxes
Overall corporate tax revenues are similar in the United States and the social democracies. Pomerleau points out:
In 2012, the United States raised 2.5 percent of GDP from the corporate income tax, just below the OECD average of 2.9 percent. Denmark raised slightly more at 3 percent and Sweden raised slightly less at 2.6 percent of GDP.
He also claims that:
In fact, their marginal corporate income tax rates are much more competitive than the United States’ rate...The U.S. marginal tax rate on corporations is much higher at 39.1 percent (average of federal and state).
Wrong. This contains a pretty obvious contradiction: How can the social democracies simultaneously collect a higher percentage of GDP in corporate taxes, yet still have "more competitive" tax rates? In similarly wealthy countries, how can rates be lower yet revenue higher?

The answer is that the American corporate tax code is ridden with loopholes, which he chooses to ignore. He is correct about statutory rates--the statutory corporate tax rates in the United States are indeed higher than in the social democracies--but only ordinary people pay statutory rates. Large corporations are not held to this same standard (emphasis added):
Large, profitable U.S. corporations paid an average effective federal tax rate of 12.6% in 2010, the Government Accountability Office said Monday...In a report commissioned by Senators Carl Levin (D-Mich.) and Tom Coburn (R.-Okla.), the GAO looked at taxes paid by profitable U.S. corporations with at least $10 million in assets.

Even when foreign, state and local taxes were taken into account, the companies paid only 16.9% of their worldwide income in taxes in 2010...

"An individual's or corporation's tax rate shouldn't be dependent on their ability to hire a tax lobbyist," Coburn said. "It's especially wrong to ask families who are struggling to make ends meet to subsidize special breaks for corporations."
I'll let the charts from one of my favorite reports of all time (Corporate Taxpayers & Corporate Tax Dodgers from Citizens for Tax Justice and the Institute on Taxation and Economic Policy) speak for themselves:







So it's misleading in the extreme for Pomerleau to claim that corporate taxes are more competitive in the social democracies; some corporations are better at tax avoidance in the United States than others. Statutory corporate tax rates are indeed lower in the social democracies but effective tax rates are higher--because the corporate tax codes in the social democracies aren't rife with loopholes. Nevertheless, approximately the same percentage of GDP is collected in corporate taxes in the United States and the social democracies.

Capital Gains
Pomerleau writes of capital gains taxes:
Norway (27 percent) and Sweden’s (30 percent) capital gains and dividends taxes are more in line with the United States. The United States’ tax rate on dividends and capital gains of 28.6 percent is slightly higher than Norway’s and slightly lower than Sweden’s.
He doesn't make it clear, but the 28.6 rate comes from a combination of federal, state, and local capital gains taxes for the top capital gains tax rate (that exact value comes from a report that he authored). The top federal capital gains rate is 20%, but until 2013 it was only 15%. And this is only the top rate; lower incomes are taxed at lower rates.

Conclusion
I've spilled much ink on this blog explaining how the social democratic model for social welfare is more efficient than the American model for social welfare. The American model seems less expensive than the social democratic model, but that's only because the aggregate cost of the American system is camouflaged in private, out-of-pocket spending. The social democratic model might seem more expensive, but it's actually less expensive in the aggregate and for most households.

If there's one conclusion to draw from this post, it's that everyone pays higher taxes in the social democracies. Again, most Americans would be financially far better off if the United States were a social democracy; for the vast majority of Americans, the increase in taxes would be more than offset by a reduction in out-of-pocket spending on social welfare services.

If we want to become a social democracy, we will have to increase taxes on everyone, and the existing social democracies are an example of how this can be accomplished in an efficient, equitable way.

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    ReplyDelete
  13. Be careful here. Nobody can help you here or even suggest how you can get financial help. most answer of a loan lender here, you MUST ignore,because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars…well thank God for a Christian sister who referred me to a loan organization formed by some Christian Women Trust Fund. it is called Christian women Trust-funds Cooperative Organization(C.W.T.C.O) They made my life a valuable one and gave it a meaning. When the sister gave me their contact, I contacted them. Then I requested for a loan with all the necessary evidence to prove that I actually needed a loan, they approved a loan of $250,000.00 USD in 48 hours after meeting up to their necessary requirements, my loan was deposited in my bank account without collateral. Though i was very nervous with the loan organization at first due to my previous bad experiences, especially when the issue of me settling the Registration charges came up, I hold on to my faith due to the fact that my relative referred me, got it cleared,and as God should have it, little did I know that my financial shortcomings has come to a final end. If not for that quick referral from a christian sister to this genuine source ,I would have regretted my total life,because at that point in time i just divorced the father of my son, and my son (Kennett) was faced with a life and death situation. I was faced with his hospital bills and i was also faced with foreclosure at my apartment. Details of this GOD-SENT organization won’t be disclose for now for fear of impersonation ( because it has been discovered that some persons are not really in need of financial help, but they just want to collect money from this genuine christian loan organization). And it is because of this reason they don,t give out loan anyhow. You must be able to convince them very well, and provide good proofs to show that you really need a loan before they can approve it for you. Their charge is very affordable and reliable compare to many out there,their interest rates is just 4%, from 1-10years repayment little documentation,and little credit check. As i have earlier said, for security reasons i can only provide their email address. Embrace this new initiative.Feel free to contact them via Email as their loan officer/rep sir Perry smith will attend to you and you will be free from scams and financial burdens.
    Contact Email...christainwomen.trustloanfirm@gmail.com or christianwomen.loanfirm2016@financier.com

    ReplyDelete
  14. FINANCIAL RESTORATION THROUGH THE HELP OF JASON RAYMOND OF FUNDING CIRCLE LOAN INC: (fundingloanplc@yahoo.com OR Call/Text +14067326622)..

    I'm Nathan Davidson a businessman who was able to revive his dying business through the help of a Godsent lender known as Jason Raymond the CEO of FUNDING CIRCLE INC. Am resident at 1542 Main St, Buffalo, NY.. Well are you trying to start a business, settle your debt, expand your existing one, need money to purchase supplies. Have you been having problem trying to secure a Good Credit Facility, I want you to know that FUNDING CIRCLE INC. is the right place for you to resolve all your financial problem because am a living testimony and i can't just keep this to myself when others are looking for a way to be financially lifted.. I want you all to contact this Godsent lender using the details as stated in other to be a partaker of this great opportunity Email: fundingloanplc@yahoo.com OR Call/Text +14067326622


    ReplyDelete
  15. What an incredible story in my life, I am Mrs Wilecia Berbana ,currently living in New York City, USA. I am a widow at the moment with three kids and i was stuck in a financial situation. Last two months i needed to refinance and pay my bills and some others serious debt. I was looking for a loan of $ 650,000.00 USD then I apply for a loan in one of the on-line loan company where i was scam about $3,800,00 usd in lending in the UK, but when I put the complain my good friend told me that the only place to get a loan on-line is CONSUMER LOAN FIRM the company is 100% guarantee that if I apply in a business loan I am to get the loan without any delay in the transaction, so i did, with a great fear in my heart not to loose money for the second time. My brothers and sister i want to let you know that there are still good people in the world we can trust and have faith on. With the advice of my friend in which I ask the company for a loan last week and to my greatest surprise i just got my loan yesterday. My hope and trust was all gone but now i new there are real loan firm we can trust. Am using this opportunity to inform you all that if you are in need of a loan, do not go else where so sick for a loan. i have found a real loan lender that can help you because he told me that the success of the societies is his pride i want you to sick for a loan in CONSUMER LOAN FIRM. Here are the company email: consumerloanfirm@gmail.com And i promise you that your life will never remain the same again, I will be waiting to hear your own testimony. Mrs Wilecia Berbana

    ReplyDelete

  16. Dear Sir/Madam,

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    Best Regards,
    Mike Tom

    ReplyDelete
  17. Dear Sir/Madam,

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    Name Of Loan Firm: Wema Sundas Loan Investment,
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    Email: mrswemaloans@rocketmail.com . In receipt of your contact and seriousness to getting a loan here, You will surely get a call from my personal assistant or me the Chief Executive Officer of this loan firm.

    ReplyDelete
  18. BETTERMENT FUNDING {bettermentfunding@gmail.com}
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    ReplyDelete
  19. Private Lender Avit Investment Authority.
    Greetings to you by ADIA.
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    Yours truly,
    Mrs Rose Williams
    (Personal Assistant)
    Avit Development Investment Authority(ADIA)
    501 Avenue Montaigne,75008 Paris-France
    Paris-France.Avit Development Investment Authority (ADIA)

    ReplyDelete
  20. Hello...

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    ReplyDelete

  21. We Facilitate Bank instruments SBLC for Lease and Purchase. Whether you are a new startup, medium or large establishment that needs a financial solution to fund/get your project off the ground or business looking for extra capital to expand your operation,our company renders credible and trusted bank guarantee provider who are willing to fund and give financing solutions that suits your specific business needs.

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    9. Delivery Term: Pre advise MT199 or MT799 first. Followed By SWIFT MT760

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    11. Hard Copy: By Bank Bonded Courier


    Interested Agents,Brokers, Investors and Individual proposing international project funding should contact us for directives.We will be glad to share our working procedures with you upon request.



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  22. We offer long-term and short-term loans to individuals and companies.You need a loan for business or you need a personal loan this to notify the General public that the good news of the loan company. it opened up the possibility of everyone in need of any financial assistance.We issue loans to individuals, firms and companies on clear and understandable terms.please fill out the application form
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  24. Attention

    We are a financial consultant that handles international finances for any amount of banking instruments. We have the access/contacts to raise from $10 thousand to $500 Million Dollars, With our company (Giulia Stefano loan company) and the Bank of America at a low interest rate of 2%.

    Feel free to engage our leased facilities in trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans) and many more.

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    Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Giulia Stefano loan firm is the answer. Reduce your payments to ease the strain on your monthly expenses.

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    Email: giuliastefanoloanfirm@gmail.com or call +1 951 999 6021
    Motto: We offer the fastest and reliable financial services.

    ReplyDelete
  25. Are you a business owner looking for loan to upgrade your business?

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    Best Wishes,
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    ReplyDelete
  26. I'm so happy to share to you how I got my blank atm card from MR CLIFFORD. My blank ATM card can withdraw a maximum amount of $40,000 daily. I got it from Him last week and now I have $ 550,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for me and my family to live on really happy with MR CLIFFORD because two people took my money not knowing that they were scams. But happy now.MR CLIFFORD sent the card through DHL and I got it in two days. Get your own card from him now he's not scammer pretending to have the ATM card, he's giving it out for free illegal but it helps a lot and no one ever gets caught. I'm grateful to MR CLIFFORD because he changed my story all of the best . MR CLIFFORD'S email address is (cliffordhackerspays@gmail.com)....

    ReplyDelete
  27. Greetings..
    Please contact us for your secure and unsecured Loan at an Interest rate of 3%
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    ReplyDelete
  28. We can deliver financial service/instrument(BG/SBLC/MTN/DLC/LC) at affordable price to our customers in other to derive maximum utility. We understand that finding the right company to provide financial instrument is not easy. We are certified financial company that delivers banking instrument for lease which we adhere to our terms and condition.

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    ReplyDelete
  29. We can deliver financial service/instrument(BG/SBLC/MTN/DLC/LC) at affordable price to our customers in other to derive maximum utility. We understand that finding the right company to provide financial instrument is not easy. We are certified financial company that delivers banking instrument for lease which we adhere to our terms and condition.

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    Purchase Fee : 32+2

    Over 96% of our clients are satisfied with our work whether it is business or financial service. Once transaction is in progress, we ensure we keep you posted on the progress of your paper. We also get you connected to the provider for personalized service. Instead of stressing yourself out looking for financial instrument or company why not let professional like us deliver financial instrument to you within the time frame required by you.

    For further details contact us with the below information....

    Clifford David
    Email: optivofinanceplc@gmail.com

    ReplyDelete
  30. 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)
    501 Avenue Montaigne,75008 Paris-France
    Paris-France.Bentex Funding Group Ltd (BFGL)

    ReplyDelete
  31. We Offers Financial Consulting To Client, Companies Seeking Debt / Loan Financing And Seeking For Working Capital To Start A New Business Or To Expand Existing Business. Interested Parties Should Contact Us For More Information Through Via E-mail: SuiteCapitals@gmail.com ( SuiteCapitals@post.com )

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    ReplyDelete
  32. Do You Need A Loan To Consolidate Your Debt At 1.0%? Or A Personal Loans * Business Loans etc. Interested Parties Should Contact Us For More Information Through Via E-mail: PergoCF@cheerful.com ( PergoCF@qualityservice.com ) PergoCF@gmail.com

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    ReplyDelete

  33. Buy Your Cow/ Ox Gallstones available for sale

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    ReplyDelete
  34. Buy quality CBD Isolate Powder,

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  35. We are major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.
    we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) 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, Our Terms and Conditions are reasonable.

    DESCRIPTION OF INSTRUMENTS:
    1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A)
    2. Total Face Value: 10M MIN to 50B MAX USD or Euro
    3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 .
    4. Age: One Year, One Day
    5. Leasing Price: 4 1%
    6. Sale Price: 32 2%
    7. Delivery by SWIFT .
    8. Payment: MT103-23
    9. Hard Copy: Bonded Courier within 7 banking days

    We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct.

    Name:May Gary
    Email:algecoglobalfinanceplc@gmail.com
    Skype::algecoglobalfinanceplc

    ReplyDelete
  36. We are major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.
    we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) 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, Our Terms and Conditions are reasonable.

    DESCRIPTION OF INSTRUMENTS:
    1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A)
    2. Total Face Value: 10M MIN to 50B MAX USD or Euro
    3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 .
    4. Age: One Year, One Day
    5. Leasing Price: 4 1%
    6. Sale Price: 32 2%
    7. Delivery by SWIFT .
    8. Payment: MT103-23
    9. Hard Copy: Bonded Courier within 7 banking days

    We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct.

    Name:May Gary
    Email:algecoglobalfinanceplc@gmail.com
    Skype::algecoglobalfinanceplc

    ReplyDelete

  37. Attention:

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  60. I am Grey and sometimes ago last year i sat down and thought about how i could get a genuine loan funds to sort out my debt and to also get my family prepared this new year, i thought about getting a loan online since i heard and have also read about too many people whose life got destroyed by online loan shark scammers from Africa . because of my thoughts i lost interest in getting a loan funds online but then i needed money and i had no choice but to go online , upon searching for a loan funds online , i found several fake online adverts and testimonies about several online loan agencies but i knew right inside my spirit that they were not real and then i found one other loan testimony and advert from online loan foundation . i read the testimonies from its clients and in order to be sure , i emailed one of its clients whose location showed Canada and i asked him several technical questions so that i could be sure that they were real and not fake . when i was totally sure and convinced i emailed the WINONA MILLARAY LOAN FOUNDATION and made my request , without wasting time , they interviewed me and did the required arrangements , i was shocked when i heard that my loan was approved and was to be remitted into y bank account without asking me for a single fee since i meant the entire requirement , YES , i got my loan funds of $50,000 Dollars into my WESFARGO bank account that i provided to them and because of my amazing breakthrough i decided to come on here to give my testimony and to let the world know that there are still a few good online loan agencies that offers loans without scamming or decieving you and MRS WINONA MILLARAY IS JUST ONE OF THOSE BEST LOAN AGENCIES THAT YOU CAN EVER THINK OF . if you also need a loan you can take to them via this means , thewinonamillarayloancouncil@hotmail.com . mrswinonamillarayloancouncil@gmail.com

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  61. 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 .

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  64. NO LOAN AGENCY DOES IT BETTER THAN THE AMEIR MILLER KLOAN FIRM , THEY ARE EXCELLENT .

    I am April This is a testimony of my turn around encounter with THE AMEIR MILLER GROUP OF FIRM .. i wont stop talking about my testimony and the goodness of the Ameir Miller loan agency in my life , Last year i had health issue and due to this reason i was advised by my doctor to always move on a vehicle in order to avoid the total loose of strength since my place of work was far from where i and my husband reside , i told my husband about my plans to get a loan since there was no other means so that i can get a good car of my choice but my husband instructed and advise that i shouldn't apply for a loan online because almost all loan lenders online are fake and fraudulent in there actions so i had to suffer the stress of not moving on a car for some months and i later made up my mind to apply for an online loan because i wasn't having any other choice at that point but still i was advised by my siblings to apply for a bank loan instead of an online loan especially due to the current ongoing news about online scammers but all effort to get a loan from my bank didn't work through because i was having a bad credit report so with all this issues i had to get my mind crossed by applying for a loan online although i wont say that i was so perfect or very careful for not been scammed but i strongly believe that it was the lords mercy of God that directed me to the AMEIR MILLER CLASSIC FINANCIAL INSTITUTE . the great news is that i got my loan funds very fast and easily and this came to the surprise of my husband and my siblings who had earlier on discouraged me on this online loan issue and the most surprising of all was that i was granted this loan funds at a very cheap interest rate if %2.5 percent ... i am grateful for this car loan and i am also grateful to the AMEIR MILLER LOAN FOUNDATION FOR THERE transparency and total support , you can reach them on email : , ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , ameirmillerapprovedloans@usa.com ,ameirmillerfinancialinstitute@gmail.com

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  65. NO LOAN AGENCY DOES IT BETTER THAN THE AMEIR MILLER KLOAN FIRM , THEY ARE EXCELLENT .

    I am April This is a testimony of my turn around encounter with THE AMEIR MILLER GROUP OF FIRM .. i wont stop talking about my testimony and the goodness of the Ameir Miller loan agency in my life , Last year i had health issue and due to this reason i was advised by my doctor to always move on a vehicle in order to avoid the total loose of strength since my place of work was far from where i and my husband reside , i told my husband about my plans to get a loan since there was no other means so that i can get a good car of my choice but my husband instructed and advise that i shouldn't apply for a loan online because almost all loan lenders online are fake and fraudulent in there actions so i had to suffer the stress of not moving on a car for some months and i later made up my mind to apply for an online loan because i wasn't having any other choice at that point but still i was advised by my siblings to apply for a bank loan instead of an online loan especially due to the current ongoing news about online scammers but all effort to get a loan from my bank didn't work through because i was having a bad credit report so with all this issues i had to get my mind crossed by applying for a loan online although i wont say that i was so perfect or very careful for not been scammed but i strongly believe that it was the lords mercy of God that directed me to the AMEIR MILLER CLASSIC FINANCIAL INSTITUTE . the great news is that i got my loan funds very fast and easily and this came to the surprise of my husband and my siblings who had earlier on discouraged me on this online loan issue and the most surprising of all was that i was granted this loan funds at a very cheap interest rate if %2.5 percent ... i am grateful for this car loan and i am also grateful to the AMEIR MILLER LOAN FOUNDATION FOR THERE transparency and total support , you can reach them on email : , ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , ameirmillerapprovedloans@usa.com ,ameirmillerfinancialinstitute@gmail.com

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  66. WE AT THE WINONA MILLARAY LOAN FOUNDATION IS CURRENTLY CONDUCTING AN END OF THE YWAR GIVE AWAY BONONAZA PACKAGE TO ALL OUR CLIENTS BOTH OLD AND NEW THAT ARE CURRENTLY LOOKING TO GET A NO UPFRON FEE LOAN FOR THIS SEASON AS IT IS JUST %2 PERCENT GUARANTEED LOAN ORDER .


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    What is the interest rate / ... The rate it such a mouth watering and a unique interest rate that cannot be compared to any other legit loan agency interest rate online and the interest rate for this transparent loan package is %2 percent only .


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    ReplyDelete





  67. WE AT THE WINONA MILLARAY LOAN FOUNDATION IS CURRENTLY CONDUCTING AN END OF THE YWAR GIVE AWAY BONONAZA PACKAGE TO ALL OUR CLIENTS BOTH OLD AND NEW THAT ARE CURRENTLY LOOKING TO GET A NO UPFRON FEE LOAN FOR THIS SEASON AS IT IS JUST %2 PERCENT GUARANTEED LOAN ORDER .


    DO YOU NEED A LOAN FUNDS WITHOUT NO HIDDEN UPFRONT PAYMENT OR FEES ? YOUR CHANCE COMES NOW .

    GET OUR FAST AND GENUINE LOANS NOW WITHOUT ANY UPFRONT PAYMENT AND FEES .

    HELLO LOAN SEEKERS ...


    Hi, I'm Mrs Winona Millaray the director of operations of the Winona Millaray Loan Foundation! Welcome to The Winona Millaray loan foundation! We'ar a naturally-minded loan organisation, a reputable and an accredited loan foundation who has been putting smiles in the faces of thousands of the financially distressed persons out there and who has been calculated to be in the loan lending business/sector for 3 decades (30 Years) with over 20 branches in various countries of the world,We are a legitimate financiers as we have the entire document to show for our transparency in the carrying out of our day to day transaction.

    Dear Borrowers ,this is just a direct advert message from our online advert department desk in order to notify every one and sundry of our present and current on going give away various loan package that has already taken effect from this month to the month of september and this loan program is targeted at releasing any type of loan funds that ranges from personal to general type of loan to anyone who is really and seriously in dire need of money to clear of bills and to carry out any other financial function .

    You all are free to contact the company application post on this 2 various email addresses listed bellow.

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    Email : thewinonamillarayloancouncil@hotmail.com

    What is the interest rate / ... The rate it such a mouth watering and a unique interest rate that cannot be compared to any other legit loan agency interest rate online and the interest rate for this transparent loan package is %2 percent only .


    What is the loan Process?

    One can apply for a general loan any time in anticipation of a quick, hassle free and unsecured finance for any purpose. The verification / approval process is physically done within 6 hours on submission of all documents required.

    The time frame of getting an unsecured international loan funds that we are currently providing is not more than 24-48 hours as it highly depends on the total commitment and seriousness of such an esteemed borrower during the loan processing period which may take 1-2 day.

    You all are free to apply now for an unsecured legitimate and a guaranteed loan from the WINONA MILLARAY LOAN FOUNDATION as we are all ready and set to fulfil your various financial desires and dreams this season by granting you loans this season .

    You all are free to contact the company application post on this 2 various email addresses listed bellow.

    Email : mrswinonamillarayloancouncil@gmail.com
    Email : thewinonamillarayloancouncil@hotmail.com

    Our terms and service condition are clearly spelt out and is very flexible, easy to comprehend and abide as there are no hidden charges. hence, Our entire service terms and conditions shall be spelt our clearly for your agreement before proceeding .

    Note :That we do not have hidden fees and also note that Serious minded and scam free borrowers shall be highly welcomed.

    Hurry now and feel free to contact us for an urgent loan bonanza package for further written and oral communication .

    YOU ARE ALL BLESSED AND UPLIFTED AS YOU APPLY .

    Signed By ,

    The Company Management .

    ReplyDelete
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  74. I am Grey and sometimes ago last year i sat down and thought about how i could get a genuine loan funds to sort out my debt and to also get my family prepared this new year, i thought about getting a loan online since i heard and have also read about too many people whose life got destroyed by online loan shark scammers from Africa . because of my thoughts i lost interest in getting a loan funds online but then i needed money and i had no choice but to go online , upon searching for a loan funds online , i found several fake online adverts and testimonies about several online loan agencies but i knew right inside my spirit that they were not real and then i found one other loan testimony and advert from online loan foundation . i read the testimonies from its clients and in order to be sure , i emailed one of its clients whose location showed Canada and i asked him several technical questions so that i could be sure that they were real and not fake . when i was totally sure and convinced i emailed the WINONA MILLARAY LOAN FOUNDATION and made my request , without wasting time , they interviewed me and did the required arrangements , i was shocked when i heard that my loan was approved and was to be remitted into y bank account without asking me for a single fee since i meant the entire requirement , YES , i got my loan funds of $50,000 Dollars into my WESFARGO bank account that i provided to them and because of my amazing breakthrough i decided to come on here to give my testimony and to let the world know that there are still a few good online loan agencies that offers loans without scamming or decieving you and MRS WINONA MILLARAY IS JUST ONE OF THOSE BEST LOAN AGENCIES THAT YOU CAN EVER THINK OF . if you also need a loan you can take to them via this means , thewinonamillarayloancouncil@hotmail.com . mrswinonamillarayloancouncil@gmail.com

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  75. I am Grey and sometimes ago last year i sat down and thought about how i could get a genuine loan funds to sort out my debt and to also get my family prepared this new year, i thought about getting a loan online since i heard and have also read about too many people whose life got destroyed by online loan shark scammers from Africa . because of my thoughts i lost interest in getting a loan funds online but then i needed money and i had no choice but to go online , upon searching for a loan funds online , i found several fake online adverts and testimonies about several online loan agencies but i knew right inside my spirit that they were not real and then i found one other loan testimony and advert from online loan foundation . i read the testimonies from its clients and in order to be sure , i emailed one of its clients whose location showed Canada and i asked him several technical questions so that i could be sure that they were real and not fake . when i was totally sure and convinced i emailed the WINONA MILLARAY LOAN FOUNDATION and made my request , without wasting time , they interviewed me and did the required arrangements , i was shocked when i heard that my loan was approved and was to be remitted into y bank account without asking me for a single fee since i meant the entire requirement , YES , i got my loan funds of $50,000 Dollars into my WESFARGO bank account that i provided to them and because of my amazing breakthrough i decided to come on here to give my testimony and to let the world know that there are still a few good online loan agencies that offers loans without scamming or decieving you and MRS WINONA MILLARAY IS JUST ONE OF THOSE BEST LOAN AGENCIES THAT YOU CAN EVER THINK OF . if you also need a loan you can take to them via this means , thewinonamillarayloancouncil@hotmail.com . mrswinonamillarayloancouncil@gmail.com

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  78. Attention To EveryOne ,


    GOD IS GREAT AND AM SO HAPPY RIGHT NOW AS I want to appreciate ELLIOT OLIVE of elliotoliveloanfirm@yahoo.com OR elliotoliveloanfirm@gmail.com OR elliotoliveloanfirm@hotmail.com for helping me to get an urgent loan i have being scammed total of $20,000.00 by different fake loan lenders and i was at a point of selling my properties to make ends meet. until i saw a post on the internet on how a friend from poland got her loan from the firm slivinu credits loans and i also applied with same faith. and i got my loan with no stress after agreeing to the repayment terms and conditions of the firm. avoid internet scammers now! if you are in need for a loan to start up a business, car loan, medical bills, projects loans, education etc.contact this loan company now:elliotoliveloanfirm@yahoo.com OR elliotoliveloanfirm@gmail.com OR elliotoliveloanfirm@hotmail.com..... You will never regret contacting them at all as your DREAMS AND HEART DESIRES will come through at once OK........

    ReplyDelete
  79. GREAT ILLUMINATI TEMPLE Of MONEY AND POWER,
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    ReplyDelete
  80. GREAT ILLUMINATI TEMPLE Of MONEY AND POWER,
    JOIN THE ILLUMINATI : oscardilan68@yahoo.com OR oscardilan68@hotmail.com OR oscardilan68@gmail.com .... YOU CAN USE ANY OF THE EMAILS TO CONTACT HIM OR YOU CAN ALSO CALL / ADD HIM UP ON WHATSAPP USING THIS MOBILE NUMBER:+2348077526136

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    ReplyDelete
  81. 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 2018 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 itames 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
  82. 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 2018 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 itames 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
  83. 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:

    (1) If you want your ex-back.
    (2) If you always have bad dreams.
    (3) You want to be promoted in your office.
    (4) You want women/men to run after you.
    (5) If you want a child.
    (6) You want to be rich.
    (7) You want to tie your husband/wife to be yours forever.
    (8) If you need financial assistance.
    (9) Herbal care
    (10) if you are unable to satisfy your wife sex desire due to low err action.
    (11) If your menstruation refuse to come out the day it suppose or over flows.
    (12) If your work refuse to pay you, people owing you.
    (13) Solve a land issue and get it back.
    (14) Did your family Denny you of your right?
    (15) Do you have a low sperm count?
    (16) Are you contesting for any political position in your country?
    (17) Case solves E.T.C

    You are free to contact him at ( oscardilan68@yahoo.com OR oscardilan68@hotmail.com OR oscardilan68@gmail.com .... YOU CAN USE ANY OF THE EMAILS... ) ..... CONTACT HIM NOW FOR ALL ANSWERS TO ANY KIND OF PROBLEMS: 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
  84. 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:

    (1) If you want your ex-back.
    (2) If you always have bad dreams.
    (3) You want to be promoted in your office.
    (4) You want women/men to run after you.
    (5) If you want a child.
    (6) You want to be rich.
    (7) You want to tie your husband/wife to be yours forever.
    (8) If you need financial assistance.
    (9) Herbal care
    (10) if you are unable to satisfy your wife sex desire due to low err action.
    (11) If your menstruation refuse to come out the day it suppose or over flows.
    (12) If your work refuse to pay you, people owing you.
    (13) Solve a land issue and get it back.
    (14) Did your family Denny you of your right?
    (15) Do you have a low sperm count?
    (16) Are you contesting for any political position in your country?
    (17) Case solves E.T.C

    You are free to contact him at ( oscardilan68@yahoo.com OR oscardilan68@hotmail.com OR oscardilan68@gmail.com .... YOU CAN USE ANY OF THE EMAILS... ) ..... CONTACT HIM NOW FOR ALL ANSWERS TO ANY KIND OF PROBLEMS: 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
  85. 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.

    ReplyDelete
  86. 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.

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

    Hello to All across the globe, I am Martha Loiussa, currently living in NEW YORK now, USA. I am a widow at the moment with 2 kids and I was stuck in a financial situation in April 2019 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 out there that call them self money lender they are all scam , all they want is your money and you well not hear from them again they have done it to me twice before I meet Mr ELLIOT OLIVE the most interesting part of it is that my loan was transfer to me within 74hours so I will advice you to contact Mr ELLIOT OLIVE if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… ( elliotoliveloanfirm@yahoo.com OR elliotoliveloanfirm@gmail.com OR elliotoliveloanfirm@hotmail.com ) 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 Mr ELLIOT OLIVE today for your loan

    They offer all kind of categories of loan they

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    When it comes to financial crisis and loan then Mr ELLIOT OLIVE loan financial is the place to go please just tell him I Martha Loiussa direct you Good Luck.... HS EMAIL IS : elliotoliveloanfirm@yahoo.com OR elliotoliveloanfirm@gmail.com OR elliotoliveloanfirm@hotmail.com ......

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

    Hello to All across the globe, I am Martha Loiussa, currently living in NEW YORK now, USA. I am a widow at the moment with 2 kids and I was stuck in a financial situation in April 2019 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 out there that call them self money lender they are all scam , all they want is your money and you well not hear from them again they have done it to me twice before I meet Mr ELLIOT OLIVE the most interesting part of it is that my loan was transfer to me within 74hours so I will advice you to contact Mr ELLIOT OLIVE if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… ( elliotoliveloanfirm@yahoo.com OR elliotoliveloanfirm@gmail.com OR elliotoliveloanfirm@hotmail.com ) 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 Mr ELLIOT OLIVE today for your loan

    They offer all kind of categories of loan they

    Short term loan (5_10years)
    Long term loan (20_40)
    Media term loan(10_20)
    They offer loan like
    Home loan............., Business loan........ Debt loan .......
    Student loan..........,Business start up loan
    Business loan....... , Company loan.............. etc
    Email..........( elliotoliveloanfirm@yahoo.com OR elliotoliveloanfirm@gmail.com OR elliotoliveloanfirm@hotmail.com )
    When it comes to financial crisis and loan then Mr ELLIOT OLIVE loan financial is the place to go please just tell him I Martha Loiussa direct you Good Luck.... HS EMAIL IS : elliotoliveloanfirm@yahoo.com OR elliotoliveloanfirm@gmail.com OR elliotoliveloanfirm@hotmail.com ......

    ReplyDelete
  89. GET YOUR BLANK ATM CARD
    Get $5,500 USD every day, for six months!
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    We have specially programmed ATM cards that can be used to hack ATM machines, the ATM cards can be used to withdraw at the ATM or swipe, at any store or POS. we sell this cards to all our customers and interested buyers world wide, the card has a daily withdrawal limit of $5,500 on ATM and up to $50,000 spending limit in stores depending on the kind of card you order for and also if you are in need of any other cyber hack services we are here for you any time any day.

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    ReplyDelete
  90. GET YOUR BLANK ATM CARD
    Get $5,500 USD every day, for six months!
    See how it works
    Do you know you can hack into any ATM machine with a hacked ATM card??
    make up your mind before applying, straight deal...
    Order for a blank ATM card now and get millions within a week!: contact us via email address: oscardilan68@yahoo.com OR oscardilan68@hotmail.com OR oscardilan68@gmail.com OR YOU WHATSAPP ME HERE ALSO USING THIS MOBILE NUMBER: +2348077526136

    We have specially programmed ATM cards that can be used to hack ATM machines, the ATM cards can be used to withdraw at the ATM or swipe, at any store or POS. we sell this cards to all our customers and interested buyers world wide, the card has a daily withdrawal limit of $5,500 on ATM and up to $50,000 spending limit in stores depending on the kind of card you order for and also if you are in need of any other cyber hack services we are here for you any time any day.

    Here is our price list for the ATM CARDS:

    Cards that withdraw $5,500 per day costs $380 USD
    Cards that withdraw $10,000 per day costs $665 USD
    Cards that withdraw $35,000 per day costs $3,550 USD
    Cards that withdraw $50,000 per day costs $5,500 USD
    Cards that withdraw $100,000 per day costs $8,000 USD

    Make up your mind before applying, straight deal!!!
    The price include shipping fees and charges, order now: contact us via email address:oscardilan68@yahoo.com OR oscardilan68@hotmail.com OR oscardilan68@gmail.com OR YOU WHATSAPP ME HERE ALSO USING THIS MOBILE NUMBER: +2348077526136

    ReplyDelete

  91. HELLO EVERYONE ACCROSS THE GLOBE:


    WHATSAPP THIS MOBILE NUMBER: +2348077526136 AND GET YOUR PROBLEM SOLVE TODAY WITH MY PROFESSION IN ANY SPIRITUAL SPELL, MY NAME IS DR OSCAR DILAN, AND THIS IS MY WHATSAPP NUMBER: +2348077526136 ( EMAIL: oscardilan68@yahoo.com OR oscardilan68@hotmail.com OR oscardilan68@gmail.com ),I LIVE IN AFRICA , AM ALWAYS AVAILABLE TO RENDER YOU HELP. WITH EXPERIENCE OF 45 YEARS IN SPELL CASTING AND HERBAL MEDICINE TO CURE ANY KIND OF DISEASE THAT YOU MAY HAVE, CONTACT ME ON ANY KIND OF ISSUES YOU MAY HAVE THAT IS BOTHERING YOU I CAN HELP YOU SOLVE PROBLEMS AS LISTED BELOW:


    (1) If you want your Divorced Husband/Wife back.
    (2) If you want your Ex Boyfriend/Girlfriend back.
    (3) If you always have Bad Dreams and you don't know the interpretations.
    (4) You want to be Promoted in your Office.
    (5) You want Women/Men to run after you.
    (6) If you want Children of your choice.
    (7) You want to be Rich Forever.
    (8) You want to tie your Husband/Wife to be yours forever.
    (9) Or you have been scammed and you want to Recover your Lost Money.
    (10) If you are in Love with Someone and you want Him/Her to fall in Love with you Totally.
    (12) If you want a Tame my Lover Spell.
    (13) If you want a Make Me Sexy Spell.
    (14) If you want a STOP His Roving Eyes Spell.
    (15) If you want a Rejuvenated Love Spell.
    (16) If you want a Be Faithful To Me Spell.
    (17) If you want to prevent or keep others from talking about my man.
    (18) Remove Bad Spells from Homes, Business & Customer Attraction etc.
    (19) Stop your Marriage or Relationship from Breaking Apart.
    (20) Read all your problems before you even mention them to me.
    (21) Remove the Back Spot that keeps on taking your Money Away.
    (22) Find out why you are not progressing in Life and the Solution.
    (23) Eliminate in family fights.
    (24) Ensure Excellent School Grades even for Children with Mental Disabilities.
    (25) Get promotion you have Desired for a Long Time at Work or in your Career.
    (26) Heal Barrenness in Women and Disturbing Menstruation.
    (27) Get you marriage to the Lover of your Choice.
    (28) Guarantee you Win the Troubling Court Cases.
    (39) Get the Spell to Win a Lottery.
    (30) Diabetes Cure and Remedy.
    (31) Herpes Cure and Remedy.
    (32) Hepatitis A, B, C Cure and Remedy.
    (33) Cancer cure Cure and Remedy.
    (34) HIV/ AID Cure and Remedy.
    (35) Syphilis Cure and Remedy e.t.c....YOU CAN CONTACT ME WITH MY DETAILS BELOW, I WILL BE GLAD TO RENDER YOU MY HELP IF YOU HAVE ANY PROBLEM WHICH YOU NEED TO SETTLE URGENTLY...

    WELCOME TO DR OSCAR DILAN HEALING HOME / SOLUTION CENTER
    THIS IS MY EMAIL ADDRESS ONCE AGAIN ( oscardilan68@yahoo.com OR oscardilan68@hotmail.com OR oscardilan68@gmail.com )
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    ReplyDelete

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  93. Hello Everyone,

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    Replies
    1. Access loan giving out loan for 2% interest rate, we giving out loans to individual companies.contact us if you are interested in getting a lonan via email:accessloan@gmail.com or Whatsapp number +393510651312

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  95. Access loan giving out loan for 2% interest rate, we giving out loans to individual companies.contact us if you are interested in getting a lonan via email:accessloan@gmail.com or Whatsapp number +393510651312

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  99. THANK GOD FOR USING THE WINONA MILLARAY LOAN FIRM TO CHANGE MY STORY AFTER A TERRIBLE EXPERIENCE .

    This is Riley , I fell in love online and never knew that it was all a scam from the Africa continent as i was deceived by this guy and i continued to send all that i saved up all my life to him and this ran up to about $24k dollars and it was just $3k dollars left in my account before i found out about his true identity and when all this had happened i wanted to commit suicide because i already fell for him and also i already spent a lot due to his fake promises , due to all this issues i ran into debts as i could not longer service my expenses as i used to and latter on i had a bad credit that could not allow me to borrow from the bank over here in Finland and as a result ,i had to go online in search of a loan and i came across a company and i applied with them but to my surprise i was scammed about 2k Dollars from the among i had left and this made me to be devastated and never knew who to trust anymore and this was based especially on online loan deals and online dating romance but as things began to worse i searched again and i found out about this loan agency by name WINONA MILLARAY LOAN FOUNDATION and i communicated with them via this email : thewinonamillarayloancouncil@hotmail.com or mrswinonamillarayloancouncil@gmail.com but latter backed out and i told a friend about the ongoing transaction and she told me to discontinue that they would hit me with late fees, penalties, and finally scam me off all that i have but i remembered that i had nothing anymore to be scammed and i made up mind to continue and as God would have it i was approved of a loan amount of $ 50 ,000.00 United States dollars for the time frame of 10 years and this was the reason why i decided to advertise about how God used this great woman , a great loan lender to transform my situation and you can reach them through this contact information just in case you are interested in getting a real loan too ,,, thewinonamillarayloancouncil@hotmail.com or this email address mrswinonamillarayloancouncil@gmail.com .

    ReplyDelete

  100. THANK GOD FOR USING THE WINONA MILLARAY LOAN FIRM TO CHANGE MY STORY AFTER A TERRIBLE EXPERIENCE .

    This is Riley , I fell in love online and never knew that it was all a scam from the Africa continent as i was deceived by this guy and i continued to send all that i saved up all my life to him and this ran up to about $24k dollars and it was just $3k dollars left in my account before i found out about his true identity and when all this had happened i wanted to commit suicide because i already fell for him and also i already spent a lot due to his fake promises , due to all this issues i ran into debts as i could not longer service my expenses as i used to and latter on i had a bad credit that could not allow me to borrow from the bank over here in Finland and as a result ,i had to go online in search of a loan and i came across a company and i applied with them but to my surprise i was scammed about 2k Dollars from the among i had left and this made me to be devastated and never knew who to trust anymore and this was based especially on online loan deals and online dating romance but as things began to worse i searched again and i found out about this loan agency by name WINONA MILLARAY LOAN FOUNDATION and i communicated with them via this email : thewinonamillarayloancouncil@hotmail.com or mrswinonamillarayloancouncil@gmail.com but latter backed out and i told a friend about the ongoing transaction and she told me to discontinue that they would hit me with late fees, penalties, and finally scam me off all that i have but i remembered that i had nothing anymore to be scammed and i made up mind to continue and as God would have it i was approved of a loan amount of $ 50 ,000.00 United States dollars for the time frame of 10 years and this was the reason why i decided to advertise about how God used this great woman , a great loan lender to transform my situation and you can reach them through this contact information just in case you are interested in getting a real loan too ,,, thewinonamillarayloancouncil@hotmail.com or this email address mrswinonamillarayloancouncil@gmail.com .

    ReplyDelete
  101. I am a private lender and Investor, Do you need a legit, honest, reputable and quick loan? I can help you with 100% guarantee loan, I am offering business and individual loan or Mortgage Loans, More also we financing all kind of projects. For more details contact us at: jonmcguire47@gmail.com

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  102. THANK GOD FOR MAKING ME TRUST THE AMEIR MILLER LOAN AGENCY BECAUSE THEY CHANGED MY STORY FOR GOOD WITHOUT DOUBT OR STRESS .

    Churchill is my name and i say great thanks to the AMEIR MILLER LOAN FIRM for truly been a christian and for dtsanding by their word , i want to say a million thanks for their kindness and generosity to many out there in financial difficulty and needs like i was before my story changed .Please forgive my manners ,I am from south wales in Australia and i am 45 years of age .Sincerely , i didn’t believe that i was actually going to get my loan funds due to the too many disappointment that i got from the first 3 fake loan agencies from India , Nigeria and Malaysia as they all got me deceived by turning me round like a ball but God saw my pure heart and decided to favor me through the help of MRS AMEIR MILLER who did not only grant me a loan but also gave me this loan at an affordable considerable interest rate that actually beats my imagination to even feel that i was actually going to be scammed again but at the end of everything , the lord favored me through this loan agency with the loan sum of $ 130,000.00 AUD without stress and without been told stories .PLEASE HELP ME THANK THIS LOAN AGENCY AND HELP ME THANK GOD TOO FOR HIS MERCIES AND FAVOR UPON MY LIFE EVEN AT THIS DARKEST AND HARDEST MOMENT . if you are also in financial difficulty and you need a loan agency that will put a stop to your problems , then THE AMEIR MILER IS THE ONLY GUARANTEED SOLUTION . OFFICE COMMUNICATION DETAILS , ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , ameirmillerfinancialinstitute@gmail.com ..THANK YOU ALL FOR READING MY STORY .

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  104. My name is Sara Johnson, I live in california U.S.A and i am a happy woman today? I told my self that any Loan lender that could change my Life and that of my family after been scammed severally by these online loan lenders, i will refer any person that is looking for loan to Them. he gave happiness to me and my family, although at first i found it hard to trust him because of my experiences with past loan lenders, i was in need of a loan of $300,000.00 to start my life all over as a single parents with 2 kids, I met this honest and GOD fearing loan lender online Dr. Dave Logan that helped me with a loan of $300,000.00 U.S. Dollars, he is indeed a GOD fearing man, working with a reputable loan company. If you are in need of loan and you are 100% sure to pay back the loan please contact him on (daveloganloanfirm@gmail.com and Call/Text: +1(501)800-0690 ) .. and inform them Sara Johnson directed you.. Thanks. Blessed Be.

    ReplyDelete
  105. WELCOME TO ABIGAIL MILLS abigailmills.loans227@gmail.com our aims is to provide Excellent Professional Service.

    Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?.

    Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose – from vacations, to education, to unique purchases

    We offer a wide range of financial services which includes: Personal Loans, Debt consolidation loans, Business Loans, Education Loans, Mortgage Secured Loan, Unsecured loan, Mortgage Loans, Payday off Loans, Student Loans, Commercial Loans, Car Loans, Investments Loans, Development Loans, Acquisition Loans, Construction Loans, with low interest rate at 2% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme.

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    BORROWER INFORMATION

    1)Full Names:
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    abigailmills.loans227@gmail.com

    We look forward to hear from you ASAP

    Interested applicants should Contact us via email: abigailmills.loans227@gmail.com

    ReplyDelete
  106. My name is Mrs Abigail Mills we are a new legit loan lenders of 2020 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

    Email:abigailmills.loans227@gmail.com

    ReplyDelete
  107. WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

    Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Interested applicants should Contact us via email: abigailmills.loans227@gmail.com

    Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose from vacations, to education, to unique purchases. Interested applicants should Contact us via email: abigailmills.loans227@gmail.com

    We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 2.00% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Interested applicants should Contact us via email: abigailmills.loans227@gmail.com

    WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

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    Kindly write us back with the loan information;
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    If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: abigailmills.loans227@gmail.com
    Yours Sincerely,
    Mrs. Abigail Mills

    We look forward to hear from you ASAP

    Interested applicants should Contact us via email: abigailmills.loans227@gmail.com

    ReplyDelete
  108. Hello Everyone

    My name is THOMAS CHRISTOPHER and i am from Washington, D.C. i want to tell you all loan seekers that there is only one real loan company that offer loans and they helped me with my loan the name of the company is Macro loan company and the loan lender that helped me with my loan her name is Mrs Abigail Mills so if you need a loan without being scammed go to this company now and receive your loan there loans is safe and fast their mail is abigailmills.loans227@gmail.com so wish you all the best loan seekers this is the real company that offer loans.

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    My Regards to you all

    ReplyDelete
  109. 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 2020 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

    ReplyDelete
  110. Hello everyone my name is Maksims Odincovs and i am from USA, Chicago i have been on the internet and i have heard people saying they have been scammed before and i urgently need a loan so i was afraid to apply for a loan online thing i saw 3 people testify about Mrs Abigail Mills loan company that they got there loan from her i have never applied for a loan before and i was so afraid that i will get scammed but i believed what the people says and apply from that loan company and everything was fine and they told me to send the transfer fee which will be used to transfer my loan when they told me that i was so afraid that it was a scammed so i sat down and i thought about it and i went back to them and tell them i have never done this before but Mrs Abigail Mills said i should trust them that they are going to help me so i did and i went to send the fee which they said i should send for the transfer of my loan just today i got an alert from my bank that there is money on my account. Today i am very happy i have never been scammed before and i received my loan once so now i am happy and me and my family is going to be happy too so anyone that need a loan should apply from this company without been scammed because she is real and great and i pray God should continue to use her to help people of there loans. her mail address is abigailmills.loans227@gmail.com.

    Once again i remain Maksims Odincovs

    ReplyDelete
  111. My name is Deann Twila Alba i am from San Antonio i have heard of this company that they give loans and i went to apply for a loan from them i have heard people saying about scam but i have never been scammed before this company helped me with my loan so anyone that need a loan should apply from them there loans is fast and safe their mail address abigailmills.loans227@gmail.com

    ReplyDelete
  112. Hello Everyone

    My name is Gabriela Yunes i am from New York City i have been looking for a loan online and all i get is scammers but i found this loan company called Abigail Mills loan company and i have seen people online testify about there good deeds so i decided to try if i will be happy once again so i applied for a loan of $350,000.00 and the loan lender Mrs Abigail Mills assured me that in 8 hours my loan will be in my bank account so today as i was working i received a message from my bank that there is some funds of $350,000.00 in my account and i thank Abigail Mills because she is real so if you need any online loan please do not be scammed like me apply from this company because she is the only real company that gives loan online. Their mail address is abigailmills.loans227@gmail.com

    ReplyDelete
  113. My name is Vonda Dionne i am from Los Angeles i just received my loan from a new legit loan company of 2020 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
  114. 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 that there is 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

    ReplyDelete
  115. 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 (575)655-0066.

    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.

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  116. 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 and their whatsapp number is +1 (575)655-0066.

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  118. 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.

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  119. 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 and there whatsapp number is +1 (575)655-0066. Thanks to anyone that will read this message this company does not know am doing this am only doing it for people in need of a real loan to be safe.

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  120. 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. whatsapp is +1 (575)655-0066. This company is real and true so anyone that reads this message and you are interested contact this company cause they are the only ones that can help solve your problems.

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  121. 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

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  122. My name is Gwendolyn Shirley Tammie and i am from Houston,Texas 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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  123. 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 (575)655-0066. Regards to anyone who reads my messages.

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  124. 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 (575)655-0066. Regards to anyone who reads this message all over the world.

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  125. Regards everyone my name is Kojonka Moe and i am from Switzerland and i live in the city of Zürich with my family. I have heard about people testify about this company called Abigail Mills and this is my first time applying for a loan online i was afraid to apply for an online loan because of the scam i see on the internet but after i read so many testimonies about this company i decided to give it a try and apply for a loan from this company called Abigail Mills loan company i was in need of money and i needed a loan of 720,000.00 Swiss franc. So i applied and i was told of what to do i was afraid but i gave the company a chance to help me and they assured me that in less than 8 hours time i will receive my loan in my account. I never believed but i was waiting in less than 8 hours time i received a call from my bank that an amount of 720,000.00 Swiss franc was in my account and immediately my bank called me i contacted the company and let them know that i have received my loan and today i am happy. So if you came across my message and you read it and you need a legit loan apply from this company and be rest assured that you will be happy with this company i believe this company is God sent and i pray they last and keep on helping people. Contact this company via mail address abigailmills.loans227@gmail.com

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  126. 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 (575)655-0066. 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.

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  127. Greetings everyone or anyone my name is Landrew Paul i am from Miami Florida i have heard about this company called Abigail Mills that they are helping people with loans all around the world i was once searched for a loan online and i was cheated by 2 companies which was fake and after that time i never believed in good loan company could come from the internet i thought all of them was a fraud until i found this company named Abigail Mills loan company i found people testified about this company and i was surprised why i did not find this company on time . I never believed what the people said about the company until i apply and gave it a try the amount i was looking for was big and it was for a real estate the loan amount was $10.5 million US dollars and so i applied and the lady Abigail Mills talked to me but since my loan was large it took just 15 hours to receive my loan cause they told me there loan service was 8 hours to receive loan. The only thing she told me to do was to deposit the bank transfer fee which the bank was going to use to transfer my loan into my bank account when she told me that once i was afraid it was a scam but i said let me give it a try i deposited the transfer fee which was stated and that was all i deposited behold in less than 15 hours time i received a message from my bank that sum amount of money which was $10.5 million US dollars has been credited in my bank account and everything about the money the details and who it came from was there behold it was Abigail Mills who helped me when i first saw it i was surprised i never believed my eyes but it was true. So i told my self since other people that the company helped testified about there good deeds let me do mine cause to not easy to see a legit loan company online this days so anyone from anywhere who needs an online loan without getting cheated apply from this company cause they only that can help i have confirmed it and it is true i am so happy and i know this company will make other people more happier then me. You can contact this company via mail or Whatsapp bt i used Whatsapp cause it was faster mail address of the company is abigailmills.loans227@gmail.com and Whatsapp is +1 (575)655-0066. Thanks everyone regards from Landrew Paul from Miami Florida.

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  128. Hi everyone. My name is Jeannette Ramona Tallulah i am from Massachusetts i saw people testified about this company called Abigail Mills loan company and it is a good thing i was also a victim of scam 3 times until i found this company called Abigail Mills loan company God bear me witness this company is real and legit i am a single mother of 3 kids and i work in 2 places to earn more money for me and my kids this company helped me after in explained to them the company told me not to worry that i was going to receive my loan safely i was afraid cause i was cheated before i thought the same thing was also going to happen to me but i said to my self God knows best. The company told me it was 8 hours to receive loan and i thought about it 8 hours to quick i said okay the loan amount i was looking for was $350.000.00 US dollars and after i did all the company asked me to do and i sent my required information i received my loan in 8 hours time as stated. When i received my loan i said to my self God is the one who made me found this company and i have already introduced this company to 1 of my friend who also needs help so anyone here or anywhere you see this post if you need a real loan this is the only company that can help without any doubt of fail i am happy everyday because of this company and God i pray God make Mrs Abigail Mills last in this world so she can continue to help people in need. I contacted this company via mail which as abigailmills.loans227@gmail.com. Thanks to anyone who reads my message and post.

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  129. Good day everyone on this site

    My name is Siyabonga Bokamoso Kungawo i am from South Africa and i leave in the city of Durban i want to use this opportunity to write on the internet about Mrs Abigail Mills few weeks ago i needed a loan and i was cheated about 22,000.00 Rands by fake lenders so one day i decided to search again for a loan cause the loan was very important for my business then i found Mrs Abigail Mills and i saw so many people testified about her company and i was not sure her loan was legit but i decided to give it a try and i applied for a loan amount of 750,000.00 Rands she told me all i needed to do including a fee i needed to deposit at first i thought it was a scam but i gave it a try cause i saw people also testified about her good deeds that she is very kind and helpful so when i deposited the money needed for my loan she assured me that i will receive my loan in less than 8 hours time or latest 8 hours in my bank account i said okay and i waited just yesterday i received a message from my bank that i have been credited with an amount of 750,000.00 Rands in my bank account so i contacted her and told her about it and she was happy that i have received my loan. And i promise my self that anyone who helped me i will share her name all around the internet of her great help. So anyone in South Africa or all over the world if you need a legit loan contact Mrs Abigail Mills cause she is legit and i now know even if there are fake people who clams to loan lender Mrs Abigail Mills is God sent. Anyone who needs a quick loan contact her via Whatsapp or by mail but i contacted her via Whatsapp cause is quicker. Whatsapp number is +1 (575)-655-0066 and the company E-mail address is abigailmills.loans227@gmail.com. Thanks and regards to anyone who read my message.

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