31/01/2014

Papua New Guinea University of Technology Opening Academic Year, 3rd of February 2014: video address by the Vice-Chancellor, Dr. Albert Schram

Youtube Video: http://www.youtube.com/watch?v=SOyjVV9p8Po

Dr. Albert Schram in Australia
This is my video address to all Students, Professional Staff, and Faculty of the Papua New Guinea University of Technology at the start of the academic year 2014.

Today, we are exited and delighted to welcome over 900 new students from all over Papua New Guinea and several from other Pacific Islands to UNITECH. This is almost 10% more than last year, and the largest number of incoming students in UNITECH's 48 year history. As Vice-Chancellor, it is a special pleasure for me to say to all incoming first year students: "Welcome to UNITECH!".

I am sorry that I have to address you from my exile in Australia, because I have not yet been granted a new employment visa, which is a legal requirement for my return to PNG. Although in all these months I have never been legally dismissed by the UNITECH Council - the news that I have been reinstated therefore is greatly exagerated -, my first employment visa was cancelled in March last year by the government without explanation, and I have not been issued a new one yet.

I will not speak of the great sadness this involuntary exile has caused in me, and the terrible insecurity my family has faced during all these months. I feel for the UNITECH community that has put all its hopes in our efforts to transform the institution. This was my promise as a candidate for the Vice-Chancellor's role in my presentation for council, staff and students on 8 June 2010 (Schram 2010b). The UNITECH community has been waiting patiently until today for that to happen, and for my return to campus.

I thank you for all the tremendous and loyal support you have shown me, and my wife Paulina. In particular, I want to thank the past and present Student Representative Council SRC Leadership: SRC President 2012 Joe Kaowai; this year's SRC president Eddy Nagual and Vice-Presidents Olsson Waram and Constance Kauwaba; the courageous students who staged the demonstration in Port Moresby on 12 December 2013; and all the students, who have shown tremendous support and risked their studies to defend UNITECH. It has not been a waste of time.

Many thanks to all who were courageous enough to act against political convenience, prudence and their own self interest, just to do what is right: Justin Kehatsin and Simon Sengi of NASA, Wilfred Pasanai of NSA, Micah Vines, Ken Polin, Chris Alu our Director at the Port Moresby office, the Chancellor Sir Nagora Bogan, the Pro-Chancellor Alan McLay; the Deputy and now Acting VC Prof. John Pumwa, who together with the Senior Management Team did a great job keeping the university running, all those helpful staff in the registry bursary, and administration of UNITECH, too many to mention. Your acts of extra-ordinary civil courage risking dismissal or worse, are gratefully acknowledged and will not be forgotten.

Finally, I want to thank my wife Paulina who not only left her job, home and family to come to PNG, but supported me throughout these difficult times.

Let me spend a few words on how the so-called UNITECH saga started in the first place, and make a historical comparison with the University of Leyden in the Netherlands in the 1940s. Next, I will speak about the future of the Higher Education Sector and UNITECH in Papua New Guinea. Lastly, and in line with tradition I will offer some words of advice to the first year students.

A- UNITECH SAGA. There is no peace without justice. There are times when academics have to stand up for each other. Once justice has been done the university and the country can again move forward. Let me illustrate this by a historical example from Europe.

As you know many European countries, including the Netherlands, were invaded by the German armies in the 1940s. The regime proceeded swiftly to order the Vice-Chancellors of the universities to sack all Jewish professors. Most Vice-Chancellors regrettably complied, except Prof. Cleveringa (CLEVERINGA), not a Jew himself (Ignatieff 2013).

In a famous speech he gave on 26 November 1940, Cleveringa resisted the racist policies. The German armies then were at the top of their power, and resistance seemed futile. The Dutch students were moved to tears by his words, sang the national anthem, and started to boycott classes. In response, the regime closed down all universities. Prof. Cleveringa was incarcerated, but survived the war, and so did his Jewish colleague, and both continued to work together at the university.

After the war the reputation of the University whose motto is "bastion of liberty" (praesidium libertatis) had further increased, due to Cleveringa's act of civic courage and resistance to unlawful policies. As a consequence, its academics played an important in reconstruction of the country, when the rule of law had been restored.

Let us recall of how the UNITECH saga started. Please note, it was never in our interest to prolong the saga or make it so public, and it is the responsibility of our adversaries that is has gone on for so such a long time.

In 2012, UNITECH we were faced with a hostile Council, which has since been dissolved, and from December onwards with a hostile Minister of Higher Education. We had to protect a member of our management team from unjustified attempts by the previous Chancellor to fire him, for no reason what so ever. Although later I became the prime target, the conflict therefore did not start with me, but when a colleague was threatened with dismissal for no legitimate reason.

On 28 December 2012 we suffered another attempt by the Minister of Higher Education Research Science and Technology HERST David Arore to reappoint a former Head of Department, we had just fired for incompetence. Soon afterwards on 8th of February came my first unlawful deportation. The second unlawful deportation on the 9th of March triggered student unrest, which however did not produce the desired result. Promises were made, but not kept. In April, I came to campus for the graduation and an interview with the investigation team, but had to leave prematurely, narrowly avoiding a third deportation. It was only then that I was notified my employment visa had been cancelled on 14th of March.

Since then there has been more than enough time to arrange my return, but until today there have been no results. The Sevua Investigation found no evidence for all the silly and baseless allegations in my regard, and was presented to the Prime Minister on 29th of May. Trying to expedite the process, I applied for a new visa at the on 26 August. Council endorsed me twice in August and in December. Until today no news on my employment visa, not even a proof the application has been lodged.

On 20 December 2013, Minister of Higher Education HERST David Arore again cast doubt on my good name in a bizarre performance on national television, and tried to instruct council to dismiss me. It seems the Minister is confused about his role, trying to tell the autonomous UNITECH Council what to do. It is indeed a serious impingement on academic freedom.

Throughout these events, Prof. Cleveringa's civic courage stayed in my mind. Although the price for defending institutional autonomy and academic freedom can be high, we have to continue to do what is right, always.

An important lesson from any conflict is that, only after justice has been done, peace and stability can arise. In 2012, for example, we were able to appoint a new Chancellor, Sir Nagora Bogan, a long-serving and respected PNG diplomat, and citizen of Lae. The Chancellor is the chairman of the Council, or board, which as a body is the supreme authority at UNITECH. He managed to stabilise the Council and slowly end the infighting.


B- FUTURE OF HIGHER EDUCATION SECTOR IN PNG. It is not just UNITECH that is in trouble. The following issues for all PNG public universities need to be addressed urgently:

  1. to establish properly organised university administrative systems in order to end mismanagement, favouritism, and corruption. 
  2. to stop political interference and cronyism, and respect the autonomy of the University Councils and Academic Boards (or Senate at UPNG) as established by the University Acts, 
  3. to assure the promised infrastructure funding is transferred immediately to the public universities in a transparent manner, and 
  4. to stop new fly-by-night private universities from entering the country for a price, and selling a parody of a university education to unsuspecting students.

All this is NOT hard to do: it requires adequate university management, and the political will of the government to carry out its agreed and published higher education policies, including the reduction of the size of the university councils at UPNG and UNITECH. We beg Prime Minister to start implementing the government's higher education policies.

In the 12 months, for example, that I was on campus as Vice-Chancellor, I was able to start up many projects. The management team, staff and students stepped up, and carried them out with vigour, and in a constructive spirit. Leading after all is getting things done through others, and giving them credit for it.

Since not all of the following is known, and there has been much ill-informed talk about it, allow me to list what my management team together with UNITECH staff and students accomplished. Apart from the appointment of the new Chancellor, we managed to make significant progress in dealing with legacy issues in four main areas:

1- Provide a more strategized approach to academic leadership and create better working relationships on campus: installed an effective Acting Management Team, brought communication into the 21st century on campus by giving email enabled blackberries to all Head of Departments and Directors; created a Staff and Student Representatives Advisory Committee and thus build much better relations on campus among staff and students; ended with the SRC student groups fighting on campus, in return for better teaching and better student services; started strategy development and implementation oriented towards exceeding students expectations (Schram 2013) (Schram 2014).

2- Improve academic quality of teaching and research: hired over 20 Faculty members with PhDs, and built houses for them; started with international institutional accreditation, approved by Academic Board and supported by AusAid; started with professional accreditation of engineering programs; reorganise and develop the graduate programs, and appoint a Dean of Graduate Studies Dr. Shamsul Akanda; had the MBA approved by the Academic Board and started after 20 years of discussions; installed industrial advisory committees for all departments to assure the relevance of the programs for the employers of our graduates.

3- Improve learning opportunities and create more activities for students: increased the number of international scholarships for students; increased research funding, and start with international student exchange with Europe through the Erasmus Mundus programs (Schram 2010a); started experimenting with the entrepreneurship program; helped the SRC organise the first Cultural Show after 3 years; organised the first Open Day for all departments after 6 years.

4- Upgrade infrastructure and provide better services on campus: negotiated a 50% rate cut with Digicel in off-peak, night hours, offered Wifi for students; had the campus roads resealed; installed an ATM on campus; reopened the staff restaurant, the “Kofi Haus” and started mosquito spraying for reducing malaria incidence.

Much of this has been continued in 2013 by the Acting Management team I left in place after my departure. When proper governance is restored at UNITECH, and I will return on campus, we will be able to continue this work, and initiate new projects which will benefit students and staff directly. The full benefits of our strategy to transform UNITECH are yet to come.

If it can get its act together, UNITECH can count on the support and help of many alumni, industry partners, supporters and friends. After my mission to Singapore and India last year, for example, we can obtain better and cheaper internet, saving students hundreds of Kina per month in Digicel credits. We will also be able to import much cheaper textbooks from India, saving students thousands of Kina per year.

In Australia, we can engage in public private partnership that will allow our students to obtain internationally recognised certificates. We can receive help from our university partners from all over the world. In Europe, UNITECH has been included as associate partner in an increasing number of Erasmus Mundus projects, which will allow students to study degree programs in Europe, and staff to spend time on study visits.

Meanwhile, we will continue to lobby the government to transfer the promised infrastructure funding, and implement a salary review by increasing the salaries for all UNITECH staff. We implore the Prime Minister to assure the implementation of its approved higher education policies, return my employment visa, respect the decision of the autonomous UNITECH Council (Jackson, 9 Jan 2014). We request the release the funding for the Kina-for-Kina commitment of the Australian government agree between the Somare and Rudd governments, the 500 Million Kina promised for the university system by the O'Neill government, and the 180 Million Kina for the accreditation of the engineering programs at UNITECH.

C- WORDS OF ADVICE. Thirdly, in line with tradition, some words of advice and encouragement to our new students.

Today, we celebrate that you are part of an international learning community with a universal mission. Any university has a universal mission of providing high quality research, teaching and outreach. But UNITECH is special as a university: we stimulate the critical evaluation of science and technology for Papua New Guinea and the Pacific. This is what we are supposed to be doing, this is our ideal.

You are part of this community, because you came here to learn and to be educated. At all time, you must follow the university rules, which ensure that others have the opportunity to learn. Unlike secondary school, at university you need to become a self-directed learner. Once you have learned how to learn, you must continue learning during your whole life.

As to your education, extra-curricular and civic activities play an important role. University is more than doing your assignments and passing your exams. Only at University will you forge friendships with people with a completely different background and values. You will learn to respect each other, and value diversity. You should therefore continue to be active in your Church and civic organisations. In addition, here on campus you can become active in sports activities, departmental associations, provincial groups, organisation of events, and the SRC. All this is essential to develop your character and leadership skills.

Let me close now. We must not allow others to erode inclusive and democratic institutions, such as universities (Acemoglu and Robinson 2012). Inclusive institutions provide the rules, the organisation, and the transparency, which allow the spread of economic prosperity and political responsibility widely among the population. As the Prime Minister has repeatedly said, corruption undermines these type of institutions, and has no place in PNG. Without such institutions, Papua New Guinea will continue on its narrow path of economic growth reflected in the official statistics, but without development for the largest part of the population.

We have one last chance to get this right now for UNITECH, and defend it as an autonomous, academic and public institution. Together, we must continue on this path, and achieve the necessary transformation of UNITECH in order to make this great institution live up to the promise contained in its mission.

Let me to end with reminding ourselves of why we are part of this great learning community called UNITECH in the words of the great Italian poet, Dante Alighieri from the early 13th Century in Italian:

Considerate la vostra semenza:
fatti non foste a viver come bruti,
ma per seguir virtute e canoscenza.

Consider your origin as human beings;
you were not born to live like brutes,
but to follow virtue, justice and knowledge.

(Dante Alighieri La Divina Commedia Canto XXVI, lines 118-120.)

Thank you for your attention.

(Updates will be posted on my Facebook page http://facebook.com/albert.schram).



References
Acemoglu, Daron, and James A Robinson. 2012. Why Nations Fail: The Origins of Power, Prosperity and Poverty. New York: Crown Publishers.

Universiteit Leiden. 2014. “Leiden Classics: Cleveringa’s Protest - Articles - News & Events.” Accessed February 2. http://news.leiden.edu/dossiers/cleveringa-dossier/articles/leiden-classics-cleveringas-protest-against-the-anti-jewish-measures.html.

Ignatieff, Michael. 2013. “Civil Courage and the Moral Imagination” presented at the Cleveringa Lecture, November 26, Leiden. http://media.leidenuniv.nl/legacy/cleveringa-oratie-2013-michael-ignatieff.pdf.

Jackson, K. [PNGAttitude]. (2014, Jan 09). You can't govern #PNG effectively by faffing about, Peter - you should get this #Unitech disgrace sorted today http://t.co/Y3wlfZU1sc [Tweet]. Retrieved from https://twitter.com/PNGAttitude/status/421179184161890304

Schram, Albert. 2010. “The Social Responsibility of the University as Producer of New Knowledge.” In Proceedings of the World Universities Congress, Canakkale Onzekiz Mart University (Canakkale, Turkey 20-24 October 2010). Canakkale, Turkey.

———. 2011. “The Development of Universities in Low and Middle Income Countries” presented at the Papua New Guinea University of Technology: presentation of Vice-Chancellor Candidates for staff and students, June 8, Lae. http://bit.ly/1bH2V6j.

———. 2013. “The Global Expansion Of Higher Education: Are Low Income Countries Catching Up?” In Lae, Papua New Guinea: Papua New Guinea University of Technology. http://bit.ly/1cHnJ18.

———. 2014. “Leadership, Strategic Planning and Strategic Management for Higher Education Institutions in Developing Countries.” In World Business and Economics Research Conference. Auckland, New Zealand: Journal of Management. http://bit.ly/1d4iJNO.

110 comments:

  1. Here is my video talk for the opening of the academic year.

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  2. Awesome speech. Thanks for your heart to serve our people!

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    1. It is my life's mission to contribute to positive change at universities in developing countries. For me it has been a special pleasure and honour to contribute to the transformation of UNITECH. We will see it through, together we can do it.

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  3. Thank you for providing your speech online and at least every stakeholders and those of us who where part of the fight for justice can see the outcome of the time and effort we sacrifices during UNITECH SAGA.

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    1. Thank you for your comment. It is clear what needs to be done at UNITECH, so let's do it!

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  4. This comment has been removed by the author.

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    1. Thank you Dr Schram. The good Lord sees the heart of a good person and rewards it accordingly..With God all things are POSSIBLE

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  5. Thank you VC Dr. Schram for the wonderful speech. We are still waiting for your return at Unitech.

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    1. Thank you. Still waiting, no news on my employment visa.

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  6. A wonderful person with a great and noble heart. . Solider on Dr Schram..you have met your life' s challenge. May God bless you.

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  18. My name is Andy James currently living in Zurich Switzerland,Am writing this letter because am really grateful for what Elvin Morrison did for me and my family when I thought there was no hope he came and make a way for me and my family by lending us loan at a very low interest rate of 2%. I never thought that there are still God sent and genuine loan lenders on the web but to my greatest surprise i got my loan without wasting much time so if you are out there looking for a loan of any amount i would like to recommend you to Elvin Morrison the Managing director of Elvin Loan Company because he is a God sent man that can change your life forever, So if you really want to make a better life without any fund scarcity I would advise you to get in touch with him through this e-mail below elvinloancompany@yahoo.com or call on +13072132540.

    ReplyDelete
  19. May The Peace Of The Lord Be With You.
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    informations needed

    Name:……………………………………
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    Personal Mobile Number:…………………..
    Monthly Income:……………………………….

    email:pastorwilliansloanfirm@hotmail.com
    Thanks And God Bless

    ReplyDelete
  20. Dear Applicant,

    i am Mr Scott Larry, and i am a legit loan lender,who gives out loan with a very low interest rate of 3% which is negotiable.

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    I await your response,
    Remain Blessed,

    Mr. Scott Larry

    ReplyDelete
  21. re you a business man or woman? Are you in a financial mess or do You need funds to start your own business? Need to pay loans Their Debt or pay off your bills or start a nice business? Do you have a low credit score and you will find it hard to get Capital loan from local banks / other financial institutions? You need one Loan or funding for any reason such as:Email:detlevjonasfunds@outlook.com

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    ReplyDelete





  22. Greetings,


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    Chief Investment Officer

    BEST REGARDS,

    CURTIZ MORGAN

    ReplyDelete





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    ReplyDelete
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    ReplyDelete
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    ReplyDelete
  26. Hello Everybody,
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    BORROWERS APPLICATION DETAILS


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    Regards.
    Managements
    Email Kindly Contact: urgentloan22@gmail.com

    ReplyDelete

  27. We give out loan to interested inviduals who are seeking loan with good faith.Are you
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    ReplyDelete
  28. My name is Mrs Karen Kesby. I live in Texas USA and i am a very happy woman today? I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them.They gave me and my family happiness, i was in need of a loan of $180,000.00 to start my life all over as a widowed with 2 kids I meant this honest and GOD fearing loan lending company online that helped me with a loan of $180,000.00 U.S. Dollar, They are indeed GOD fearing People, A reputable loan company.

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    ReplyDelete
  29. Does your firm,company or industry need financial assistance? Do you need finance to start your business? Do you need finance to expand your business? Do you need personal loan? contact us at Email: (macrofinancelimited@gmail.com)

    ReplyDelete
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    ReplyDelete
  31. Hello Everybody,
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    BORROWERS APPLICATION DETAILS


    1. Name Of Applicant in Full:……..
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    3. Address and Location:…….
    4. Amount in request………..
    5. Repayment Period:………..
    6. Purpose Of Loan………….
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    8. phone…………………..
    9. occupation………………
    10.age/sex…………………
    11.Monthly Income…………..
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    Regards.
    Managements
    Email Kindly Contact: urgentloan22@gmail.com

    ReplyDelete
  32. Hello Everyone,

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    ReplyDelete
  33. Need a loan? If so, we rented at a low offer interest rate 2% and no credit check, we offer personal loans, debt consolidation, venture capital, business loans, education loans, loans or "loans for any reason. However, our method allows for an opportunity to explain the required amount of loan and can not afford the time to deniel.cavenee.investment@outlook.com.

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    ReplyDelete
  34. Hello sir/Madam,

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    Remain Blessed,
    Mr Mark Perry.

    ReplyDelete
  35. Hello Everybody,
    My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

    BORROWERS APPLICATION DETAILS


    1. Name Of Applicant in Full:……..
    2. Telephone Numbers:……….
    3. Address and Location:…….
    4. Amount in request………..
    5. Repayment Period:………..
    6. Purpose Of Loan………….
    7. country…………………
    8. phone…………………..
    9. occupation………………
    10.age/sex…………………
    11.Monthly Income…………..
    12.Email……………..

    Regards.
    Managements
    Email Kindly Contact: urgentloan22@gmail.com

    ReplyDelete
  36. Hello Everybody, My name is Mrs Sharon Sim. I live in singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com)

    ReplyDelete
  37. WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.
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    ReplyDelete
  38. WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.
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  49. Are you in any financial mess and you need cash help, or do you need funds to start up your own business? Or to settle your debt, even to pay off your bills and start a nice business? we offer all kinds of finance at a low interest rate of 3%. If you are in any financial difficulties you need to contact us now for more information. grameenkootafinancial@gmail.com

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    ReplyDelete
  55. FOR YOUR REQUIRED QUICK AFFORDABLE LOAN, EMAIL dawsonlewisloancompany@yahoo.com

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    ReplyDelete
  56. WE OFFER ALL KIND OF LOANS – APPLY FOR AFFORDABLE LOANS…

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    ReplyDelete
  57. DO YOU NEED A LOAN TO START A BEFITTING NEW YEAR!!!!!!

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  58. DO YOU NEED FINANCIAL ASSISTANCE?
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  59. DO YOU NEED FINANCIAL ASSISTANCE?
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    We work with individual investors and the company that provides merchant cash advance, asset based lending, commercial real estate refinancing, lines of credit, hard money loans, business acquisition financing, debt consolidation loans, and more. For more information, We encourage you to contact us and learn more about the financing services we offered. If you have any questions or want more information about our company, please feel free to email: Please, contact us for more information: PergoCF@qualityservice.com
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    Personal loans may not be right for every borrower looking for a home improvement loan. For example, if you have significant equity in your home and are looking to borrow a large amount, you might be able to save money with lower interest rates on a home equity loan. Also, interest payments on home equity loans and lines of credit can be tax deductible under certain circumstances – that’s not the case with personal loans.
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    On the other hand, personal loans can make sense for:

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    *Smaller home improvement loans (e.g., bathroom or kitchen as opposed to full remodel)
    *Borrowers in lower home value markets (if your home value has barely budged since you moved in, you may not have much equity to draw on for a home equity loan)
    *Those who value ease and speed
    *Borrowers with great credit and cash flow

    While home equity loans and lines of credit are a good source of home improvement money if you’ve built up equity in your home, a personal loan may be a better alternative if you’re a new homeowner and need to take care of a few updates to make your new home just right. You can get an affordable loan for just one week. Please connect us at via E-mail Please, contact us for more information: PergoCF@qualityservice.com
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    ReplyDelete
  60. Hello.

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    ReplyDelete
  61. Are you searching for a very genuine loan at an affordable interest rate processed within 2 of 7 working days? Have you been turned down constantly by your bank and other financial institutions?

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  62. A PART TO FOREVER FINANCIAL FREEDOM
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  63. A PART TO FOREVER FINANCIAL FREEDOM
    joanfelchloanhome@gmail.com or jfloanlendingcompany@yahoo.com, text/call on +1(254) 881-9936
    Hello, My name is Christopher Palmer, a resident of 1630 Birch Street, Scranton PA United State, I am here to testify of how i got my loan from Joan Felch Loan Company. after i applied Two times from various loan lenders who claimed to be lenders right here this forum, i thought their lending was real and i applied but they never gave me loan until a friend of mine introduced me to Joan Felch Loan Company, who promised to help me with a loan of my desire and they really did as he promised without any form of delay, I had doubts but i never seized to believe. I never thought there are still reliable loan lenders until I met Joan Felch, who really helped me with my loan and changed my life for the better. I know there are still many good lenders out there but i would advise you out there looking for reliable loan lender to try Joan Felch Loan Company, they are caring and understanding. don’t know if you are in need of an urgent loan also or want funding for your projects, So feel free to contact Joan Felch Loans Company today. his email address is (joanfelchloanhome@gmail.com or jfloanlendingcompany@yahoo.com ) or TEXT/CALL via +1(254) 881-9936

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  64. Hello everyone, My name is Gina Acampora and i am talking as the happiest person in the whole wild world today and i told my self that any lender that rescue my family from our poor situation, i will tell the name to the whole wild world and i am so happy to say that my family is back for good because i was in need of a loan $ 100,000 USD to start my life all over, due to my profession as i am a single mum, with 4 kids and the whole world seemed like it was hanging on me until i met the GOD sent loan Company that changed my life and that of my family, a GOD fearing firm, Nora Mildred, she was the saviour GOD sent to rescue my family and at first i thought it was not going to be possible until i received my loan of $ 100,000 USD and i will advise any one who is in genuine need of a loan to contact Mrs Nora Mildred via email at. noramildred.loan@hotmail.com because he is the most understanding and kind hearted Loans Services

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  66. Hello Sir / Madam,

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    ReplyDelete

  67. Attention,

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    ReplyDelete
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  69. My name is Marian i live in west Virginia 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, i will refer any person that is looking for loan to them.I would like to bring this to the notice of the public about how i meet martins Walters after i lost my job and being denied loan by my bank and other financial institution due to my credit score. I could not pay my children’s fees,I was behind on bills, about to be thrown out of the house due to my inability to pay my rent, It was during this period my kids were taken from me by foster care. Then i set out to seek for funds online where i lost $3,670 that i borrowed from friends which i was rip off by two companies. Until i read about: martinswalters28@gmail.com
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  70. DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN?

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  71. Hi people ,iam Larissa April,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 , text +1 252-585-5014 ameirmillerapprovedloans@usa.com ,ameirmillerfinancialinstitute@gmail.com

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  72. Hi people ,iam Larissa April,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 , text +1 252-585-5014 ameirmillerapprovedloans@usa.com ,ameirmillerfinancialinstitute@gmail.com

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  73. Good Day Everyone,
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    ReplyDelete

  74. Hello,

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  75. Hello,

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    *Construction loans

    Business Loans And many More: If you are highly interested in our loan offer, kindly contact us via our e-mail id below. (jorgebeckerlloans@gmail.com)

    ReplyDelete
  76. DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN?

    We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $500 million.

    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? Dr. Ezra Sebastian Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (ezrasebastianloans@gmail.com)

    DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2%
    EZRA SEBASTIAN LOAN HOME, (ezrasebastianloans@gmail.com) aims is to provide Excellent Professional Financial Services.

    Our services include the following:

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    We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (ezrasebastianloans@gmail.com)

    NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

    Yours Sincerely,
    Dr. Ezra Sebastian
    +1 (850)846-6235
    We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.


    Get your instant loan approval

    ReplyDelete
  77. Hi people ,iam Larissa April,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 , text +1 252-585-5014 ameirmillerapprovedloans@usa.com ,ameirmillerfinancialinstitute@gmail.com

    ReplyDelete
  78. Hi people ,iam Larissa April,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 , text +1 252-585-5014 ameirmillerapprovedloans@usa.com ,ameirmillerfinancialinstitute@gmail.com

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

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

    TRANSACTION DESCRIPTION:
    1. Instrument: Bank Guarantee (BG) or Standby Letter of Credit (SBLC)
    2. Total Face Value: Euro/USD 1,000,000.00 – Euro/USD 5,000,000,000.00
    3. Issuing Bank: HSBC Bank London, Barclays Bank London, Deutsche Bank AG Frankfurt etc.
    4. Age: One Year and One Day (With the option of Rolls and Extension)
    5. Leasing Fee: 4% + 1%
    6. Purchsing Fee: 32% + 2%
    7. Delivery: Bank to Bank Swift MT799/MT760
    8. Payment: MT103
    9. Hard Copy: By Bank Bonded Courier within 7 banking days after delivery of Swift.


    Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.


    All relevant business information will be provided upon request plus our terms and
    procedures.

    All inquires to Mr Danzmann Horst should include the face value and bank instrument information needed so I can quickly address your needs:

    If Interested kindly contact me via

    Contact: Danzmann Horst
    Email: horstdanz@outlook.com
    Skype: Danzmann Horst

    ReplyDelete
  80. I am Armando Taylor, a private money lender. I give out loans with an interest rate of 2% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL:(armandotaylorloanhome@gmail.com)

    Attention!!!

    Do you have a bad credit?
    Do you need money to pay bills?
    Do you need to start up a new business?
    Do you have unfinished project at hand due to bad financing?
    Do you need money to invest in some area of specialization which will profit you?

    We offer the following loans below,
    personal loans[secure and unsecured]
    business loans[secure and unsecured]
    combination loans
    students loans
    consolidation loans and so many others.

    Phone Number+1 412-329-4367

    1. Full Names:……………………….
    2. Contact Address:…………………..
    3. Loan Amount Needed:………………..
    4. Duration of the Loan……………….
    5. Direct Telephone Number:……………..
    6. Monthly Income:……………..

    Email (armandotaylorloanhome@gmail.com)
    Best Regards,

    Mr Armando Taylor.

    ReplyDelete
  81. I am Armando Taylor, a private money lender. I give out loans with an interest rate of 2% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL:(armandotaylorloanhome@gmail.com)

    Attention!!!

    Do you have a bad credit?
    Do you need money to pay bills?
    Do you need to start up a new business?
    Do you have unfinished project at hand due to bad financing?
    Do you need money to invest in some area of specialization which will profit you?

    We offer the following loans below,
    personal loans[secure and unsecured]
    business loans[secure and unsecured]
    combination loans
    students loans
    consolidation loans and so many others.

    Phone Number+1 412-329-4367

    1. Full Names:……………………….
    2. Contact Address:…………………..
    3. Loan Amount Needed:………………..
    4. Duration of the Loan……………….
    5. Direct Telephone Number:……………..
    6. Monthly Income:……………..

    Email (armandotaylorloanhome@gmail.com)
    Best Regards,

    Mr Armando Taylor.

    ReplyDelete
  82. DO YOU NEED A LOAN TO START UP YOUR OWN BUSINESS!!!!!!

    We have provided over $1 Billion in business loans to over 20,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $900 million. (dr.maverickleonidassloans@gmail.com)


    Do you need a legit, honest, reputable and quick loan?? I can help you with 100% guarantee loan Are you a business man or woman? Are you in any financial stress? Or do you need money to start your own business? we offer financial freedom to serious clients our mission is to help the less financial privileges get back on track 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. we offer loans to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret anything in this loan transaction because we will make you smile through out this loan transaction Email: (dr.maverickleonidassloans@gmail.com)


    Our services include the following:

    *Truck Loans
    * Personal Loans
    * Debt consolidation loans
    * Car Loans
    * Business Loans
    * Education Loans
    * Mortgage
    *Refinancing Loans
    * Home Loans


    Yours Sincerely,
    Dr. Maverick Leonidas
    +1 (424)704-8035

    ReplyDelete
  83. Are You In Need Of A Private Or Business Loans At 3% Rate For Various
    Purposes? If Yes; Contact us: MIKELARRYLOANFIRMWORLDWIDE@YAHOO.COM
    Name:
    Amount Needed:
    Duration:
    Country
    Cell No:
    Sex:

    ReplyDelete
  84. I am Armando Taylor, a private money lender. I give out loans with an interest rate of 2% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL:(armandotaylorloanhome@gmail.com)

    Attention!!!

    Do you have a bad credit?
    Do you need money to pay bills?
    Do you need to start up a new business?
    Do you have unfinished project at hand due to bad financing?
    Do you need money to invest in some area of specialization which will profit you?

    We offer the following loans below,
    personal loans[secure and unsecured]
    business loans[secure and unsecured]
    combination loans
    students loans
    consolidation loans and so many others.

    Phone Number+1 412-329-4367

    1. Full Names:……………………….
    2. Contact Address:…………………..
    3. Loan Amount Needed:………………..
    4. Duration of the Loan……………….
    5. Direct Telephone Number:……………..
    6. Monthly Income:……………..

    Email (armandotaylorloanhome@gmail.com)
    Best Regards,

    Mr Armando Taylor.

    ReplyDelete

  85. We offer fresh cut bank instrument for lease, such as BG, SBLC,Lease and Purchase Instruments can be obtained at minimal expense to the borrower compared to other banking options. This offer is opened to both individuals and corporate bodies.

    DESCRIPTION OF INSTRUMENTS

    1. Instrument: Funds backed Bank Guarantee(BG) ICC-600
    2. Currency : USD/EURO
    3. Age of Issue: Fresh Cut
    4. Term: One year and One day
    5. Contract Amount: United State Dollars/Euros (Buyers Face Value)
    6. Price : Buy:32%+1, Lease: 4%+2
    7. Subsequent tranches: To be mutually agreed between both parties
    8. Issuing Bank: Top RATED world banks like HSBC, Barclays, ING Dutch Bank, Llyods e.t.c
    9. Delivery Term: Pre advise MT199 or MT799 first. Followed By SWIFT MT760
    10. Payment Term: MT799 & Settlement via MT103
    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

    Name:Ardan Clooney
    Email:brandfinance33@gmail.com

    ReplyDelete
  86. We are Ireland based 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.
    If you have need for Corporate loans, International project funding, etc. or if you have a client that requires funding for his project or business, We are also affiliated with lenders who specialize on funding against financial instruments, such as BG, SBLC, POF or MTN, we fund 100% of the face value of the financial instrument.
    Inquiries from agents/ brokers/ intermediaries are also welcomed; do get back to us if you are interested in any of our services and for quality service.
    Name : Cathal Mc Hugh
    E-mail : Cathalmchugh0700@gmail.com
    Skype id : Cathalmchugh0700@gmail.com

    ReplyDelete
  87. I am Armando Taylor, a private money lender. I give out loans with an interest rate of 2% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL:(armandotaylorloanhome@gmail.com)

    Attention!!!

    Do you have a bad credit?
    Do you need money to pay bills?
    Do you need to start up a new business?
    Do you have unfinished project at hand due to bad financing?
    Do you need money to invest in some area of specialization which will profit you?

    We offer the following loans below,
    personal loans[secure and unsecured]
    business loans[secure and unsecured]
    combination loans
    students loans
    consolidation loans and so many others.

    Phone Number+1 412-329-4367

    1. Full Names:……………………….
    2. Contact Address:…………………..
    3. Loan Amount Needed:………………..
    4. Duration of the Loan……………….
    5. Direct Telephone Number:……………..
    6. Monthly Income:……………..

    Email (armandotaylorloanhome@gmail.com)
    Best Regards,

    Mr Armando Taylor.

    ReplyDelete
  88. Do you need an urgent loan to sort out your debt or to start up an business of your own, We are Government approved / registered for giving out any type of loan and amount.

    We give out loans to individuals and cooperate bodies in the interest rate of 3% if you are interested in obtaining a loan do get back for more details via email:robbenpetersconsultants@gmail.com

    Best regards

    Company Name: SUN LOAN COMPANY
    Company Address:9000 St Charles Rock Rd, St. Louis, MO 63114 USA

    ReplyDelete
  89. We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.

    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+1%

    FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+1%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly
    renewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding: For further details contact us with the below information.

    Contact: Name: WARREN GARY

    Email: inquiry.barkerfinancial@gmail.com

    Skype: inquiry.barkerfinancial@gmail.com

    ReplyDelete
  90. I am Armando Taylor, a private money lender. I give out loans with an interest rate of 2% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL:(armandotaylorloanhome@gmail.com)

    Attention!!!

    Do you have a bad credit?
    Do you need money to pay bills?
    Do you need to start up a new business?
    Do you have unfinished project at hand due to bad financing?
    Do you need money to invest in some area of specialization which will profit you?

    We offer the following loans below,
    personal loans[secure and unsecured]
    business loans[secure and unsecured]
    combination loans
    students loans
    consolidation loans and so many others.

    Phone Number+1 412-329-4367

    1. Full Names:……………………….
    2. Contact Address:…………………..
    3. Loan Amount Needed:………………..
    4. Duration of the Loan……………….
    5. Direct Telephone Number:……………..
    6. Monthly Income:……………..

    Email (armandotaylorloanhome@gmail.com)
    Best Regards,

    Mr Armando Taylor.

    ReplyDelete
  91. Hello, We are people who offer money to people who are in need of small businesses, personal investments for only 3% percent of the amount of € 4.5 million requested. € 3000. We are local and international loans to people all over the world of credit. Loans you pay the minimum. Our organization is not a bank and does not require a lot of paperwork, but fair, honest and reliable. Contact us today, and we know the amount you want to borrow. We are ready to meet our candidates within 72 hours or 6 hours after receipt of an order, please contact us by email:olgasavyuk41@gmail.com

    ReplyDelete
  92. DO YOU NEED AN AFFORDABLE BUSINESS LOAN OR XMAS LOAN TODAY?

    We have provided over $20 Billion in business loans to over 30,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $1 Billion.

    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? Dr. Vasquez Reynolds Loan Home is the answer. Reduce your payments to ease the
    strain on your monthly expenses. Email (vasquezreynoldsloanhome@gmail.com)


    Our services include the following:

    *Property Purchase loans
    *Truck Loans
    * Personal Loans
    * Debt consolidation loans
    * Car Loans
    * Business Loans
    * Education Loans
    * Mortgage
    *Refinancing Loans
    * Home Loans

    We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.We are certified and your privacy is 100% safe with us. Worry no more about
    your loans or finances.


    Yours Sincerely,
    Dr. Vasquez Reynolds
    +1 (619)473-5227

    Get your instant loan approval

    ReplyDelete



  93. THANK YOU JESUS FOR THIS FINANCIAL TURN AROUND USING PASTOR AMEIR MILLER

    Glory be to God for this year 2018 i wont stop talking about my testimony and the goodness of theAmeir Miller loan agency in my life , I am Larissa April,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 : info@ameirmiller.com , ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , text +1 252-585-5014 ameirmillerapprovedloans@usa.com ,ameirmillerfinancialinstitute@gmail.com

    ReplyDelete



  94. THANK YOU JESUS FOR THIS FINANCIAL TURN AROUND USING PASTOR AMEIR MILLER

    Glory be to God for this year 2018 i wont stop talking about my testimony and the goodness of theAmeir Miller loan agency in my life , I am Larissa April,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 : info@ameirmiller.com , ameirmillerclassicloaninstitute@yahoo.com or theameirmillerloanorganisation@gmail.com , text +1 252-585-5014 ameirmillerapprovedloans@usa.com ,ameirmillerfinancialinstitute@gmail.com

    ReplyDelete
  95. DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN?


    Here comes an Affordable and Legit Loan that will change your life for ever, I am Dr. Bentley Grants a certified loan lender, I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret anything in this loan transaction because i will make you smile. Email: (dr.bentleygrantsloans@gmail.com) have you been looking for a quick and legit loan online why don't you try Dr. Bentley Grants loan company and be free from debts note getting
    a loan from this company is 100% assured and guaranteed

    We have provided over $50 Billion in business loans to over 25,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $800 million.

    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? Dr. Bentley Grants Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Emai(dr.bentleygrantsloans@gmail.com)

    Our services include the following:

    *Truck Loans
    * Personal Loans
    * Debt consolidation loans
    * Car Loans
    * Business Loans
    * Education Loans
    * Mortgage
    *Refinancing Loans
    * Home Loans

    NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

    Yours Sincerely,
    Dr. Bentley Grants
    Phone: +1 (940)226-3822

    We are certified and your privacy is 100% safe with us. Worry no more about
    your loans or finances.


    Get your instant loan approvals an Affordable and Legit Loan that will change your life forever

    ReplyDelete
  96. DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN?


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