This morning on the way to our children’s school we listened to ‘Pedoman’ (Nur Islam Channel) and the topic discussed was Islamic Banking. The good Ustaz was explaining the virtue of the system and so on and so forth, which reminded me of my fourth year Islamic Economics course that I took ages ago.
Although I can’t recall 95 percent of what I had learnt during my early twenty’s, the one thing that I still remember is that the system is based on ‘profit and loss sharing’ and the prohibition of ‘riba’ (interest).
Now, a few days ago, I bought a car and took a car loan from one of Brunei’s Islamic finance institutions. I am no expert in Islamic banking so I asked the loan officer to explain to me the difference between the car loan offered by them and those offered by the conventional banks. Well, his answer was simply we’re Islamic! Well, that didn’t answer my question, I pointed out to him that the monthly payment for the loan was exactly the same as the monthly payment that I would need to pay if I were to use a conventional bank. It was only a matter of preference!
I did not want to press the poor guy partly for the fear of rejection of my loan application and partly I knew it was not his fault in the first place. I actually asked the same question to a number of that particular bank’s staff whenever I visited it and I always got the same answer. It makes me wonder whether the bank has ever given its staff a training course on Islamic banking. I feel sorry if it hasn’t and I think it should.
Anyway, somebody please explain to me how Islam are the Islamic banks in Brunei? Frankly, I don’t see the difference between them and any of the conventional banks, in terms of their operation. They may not be involved in the financing of any of the unislamic activities such as gambling, entertainment etc. but I think in terms of profit and loss sharing- which is the basis of the system, they only share the former but never the latter, which to me makes them no better than any conventional bank.
So, please prove me wrong.
Salaam.
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1 – 200 of 207 Newer› Newest»Complex and opaque products being sold that are not understood by the customers nor by the bankers? Sounds familiar.
http://www.ft.com/cms/s/0/f18263ec-2ab8-11de-8415-00144feabdc0.html
Main reason why Islamic Banks needs to train their human resources on the principles and values of the Islamic Finance Industry.
The difference is easy, the 'interest' you pay in Islamic credit is quoted as Bai' or trade. The banks buys the car for you and sells it to you at a higher price.
So the practice is based more on a conceptual perspective rather than payment differences. Credit facilities are generally the same in all financing methods.
I do wonder bout the subject myself. tidak islamnya bank islam?? like the promo aIDiBiBi offer nowadays, I'm so doubtful bout it, if the bank really want to share '1 million dollar' why dont they give the chance to win it to anyone who had opened acc in that bank, regardless of how much saving they have. why have to make so many conditions to enter the promo. and I thought this kind of lucky draw is haram
btw, nice to know u n this blog :D
The key difference between an Islamic Bank and a Conventional Bank is who has ownership of the asset.
In a conventional bank, you borrow money from them to buy a car. They give you the money and expect you to pay it (money) back to them because that’s what they’ve lent you (money), plus interest because they claim that had they not lent you that money, they would’ve made money elsewhere.
In an Islamic bank, you don’t borrow money from them. You get them to buy the car for you, and sell it back to you on an installment/deferred basis. The bank will have ownership of the car and will sell the ownership back to you in installments. So if you’ve made half of the payments already, then you own half of the car (while the bank owns the remaining half).
If all goes well and you complete your payments, you might conclude that numerically, conventional or Islamic, there is no difference. But the difference is when things go wrong. Because in life, there aren’t only rewards, there are risks too.
Say after paying 25% of your payments, your car stops working and needs repair. The automaker apparently went bankrupt, so there aren’t any car parts being manufactured. Your car is rendered useless.
With a conventional bank, you would be left carless with another 75% of payments to make. Because you borrowed money and that’s what you need to pay back - money. Whatever happens to the car is your problem.
With an Islamic Bank, you had gone into a “partnership” with them to buy a car. The bank buys it first, and will sell it to you portion by portion back slowly. So whatever happens to the car, whatever risks, the bank makes a loss because the bank owns it. As a client, you can't lose more than what you've put in right? And it is because of that ownership, because of them bearing the risks that they have a right to charge a profit/fee to you.
So going back to your scenario. You’ve made 25% of your payments. The car (75% owned by the bank, 25% by you) is rendered useless. Your partnership with the bank ends. You call your losses in terms of the 25% installments you’ve made. And the bank will call its losses in terms of the 75% it could have collected from you. (Sharing profits/losses equally)
Similarly, if you’ve only made 1% of payments then you only lose your 1% and the bank loses 99%. The partnership begins with 100% ownership and risk on the bank, which will slowly be transferred to the client based on the number of payments. Whoever owns the car bears the risk. And because the bank owns the car for you first, bearing all the risk for you first, they have a right to charge you a profit/fee for it.
It all comes down to the risk equals rewards basic. Islamic Banking is all about fairness. I think it’s fair. Don’t you? :)
With regards to the "1 million dollar" comment, I thought the whole reason behind the campaign was to encourage savings? The more you save for yourself, the better chance you have of winning?
It was never to "share" 1 million. If it was given to anyone regardless of their saving, everyone one would have an "equal" chance. That would be like a lottery. Not Islamic at all.
I love the idea of the campaign. Encouraging savings. The best way to improve our lives is to save more, not borrow more.
In participating in the campaign, while I was hoping to win prizes, even though I didn't win for the first draw recently, I realised that I had the CAPABILITY to save if I really tried.
I realised that I don't have to spend every single dollar up until the next payroll. I'm thankful to the bank for teaching me that I CAN save.
Sikit-sikit, lama2 jadi bukit ;)
Love your comments Mr Anonymous 2..its the simplest and easy to understand explanation for IB..You've incorporated the basic and most important elements of Islamic banking, i.e. ownership (milkiyyah) and the 'Iwad factor...Couldnt explain it better than you..:)..
Just to share:
http://www.asiaone.com/Business/My%2BMoney/Opinion/Story/A1Story20090519-142394.html
I don't understand. Does this mean that if I were to use the islamic financing to buy a car, and for some reason I cannot pay for my car, then is that the end of story? I mean, I just return the car back to BIBD and I'm home free since the bank will bear the losses anyway?
What I also don't understand is that why does the 'profit rate' of the islamic bank equal the interest rate of the conventional bank (i.e regardless of the banks, the monthly payment is the same)?
Please don't try to 'islamize' an act that is clearly forbidden.
Salam Freakonomics,
In general, it depends on the concept used by the Islamic Financial Institution (IFI).
Some IFIs uses Murabaha (Markup concept) where the IFI will have the car in their showroom or in their ownership, and sell it to you at market price. Murabaha basically means all parties must know the cost price & profit margin. In other words, the cost price of the car and the profit margin/rate of the financing is noted in the contract. So here justification of the concept in Islamic finance is that ownership prior to contract lies with the IFI & if the car/asset is damaged/faulty, it is theoretically the responsibility of the IFI to maintain/repair it as it is in their ownership before selling/reselling.
The other concept which is more popular in South East Asia including Brunei (Disclaimer: Depending on the financing product) is Bai Inah/ Inah/ Einah. This is a controversial concept such that in the Gulf & Middle East, the IFIs there have generally shunned it, saying it is similar to riba. In Brunei, similar to Malaysia, it is not named Bai Inah but it goes under the guise of Bai Bithaman Aajil (BBA or translated as 'sales against deferred payment'). This involves 2 sales contract. Normally, the IFI sells the customer an item (e.g. US Dollars/ Floor building. It doesn't matter what the item is, as it's a token) at $35k, for instance, in installments, and seconds later, in another contract, buys the same item at cost price $30k, cash or spot price. The essence of these 2 contracts are the $30k one gets, i.e. the financing & the $5k is the profit of the bank. Naturally, it is controversial because the 2 transactions yield something similar or as I might argue, quite similar to a riba transaction in its subtance.
Some scholars appear to advocate BBA (with the concept Bai Inah) hidden under it because they note Shafi'e school as allowing it but according to my understanding, Shafi'e never stated these transactions as valid. It was just that Shafi'e's legal theory looked at form rather than intentions. Intention, as their legal theory, noted is between man & God. As far as its form is concerned, the 2 transactions appear independent & if all Islamic conditions related to contracts are adhered, it 'is' fine, according to the proponents of Inah. But like I said, the issue as the opponents of these concept say, is with substance/essence, and not form. Shafie himself, if I'm not mistaken, stated such legal tricks to achieve illegitimate ends (e.g. riba) were morally wrong, though as mentioned earlier, due to his legal theory did not validate or invalidate the concept.
Okieee, I've gone somewhat overboard w/ my explanation but for more info, on Murabaha, have a look at Taqi Usmani's weblinks (found in my blog) are a good starting point but I don't know any good Bai Inah online materials. If you want to read more on Bai Inah, El-Gamal's book 'Islamic Finance: Law, Economics & Practice' includes some paragraphs on Inah/Bai Inah.
Hope this helps.
Wassalam,
Umar
Oops correction, in my earlier comment, I mentioned Taqi Usmani's link in my blog but the site is down at the moment. Here's another weblink that might be useful on it: http://www.accountancy.com.pk/docs/islam_murabahah.pdf
Salam,
Bagi pendapatku, bank-bank Islam di Brunei masih lagi haram. Kerana banyak perkara:
1. Apabila ketani minta sebarang dokumen ataupun ketani bertanya kepada "orang-orang" di bank Islam, macamana bank Islam mereka beroperasi secara terperinci, macamana urusniaga mereka sebenarnya dibuat, mereka akan menjawab, perkara atu adalah sulit, dorang sama ada nda berani ataupun nda mau menjawap. Ani sudah terjadi kepada penuntut-penuntut yang ingin membuat kajian di bank-bank Islam. Mereka gagal mendapatkan sebarang maklumat terperinci tentang urusniaga mereka dan pihak bank nda memberikan kerjasama. Natijahnya penuntut-penuntut atu hanya bergantung pada brochure2 dan katalog2 yang diedarkan untuk membuat kajian mereka. Ani sudah menunjukkan urusniaga di Bank-bank Islam atu tidak telus dan masih berunsurkan gharar. Urusniaga yang tidak jelas kepada orang yang berakad adalah berunsur shubhah dan gharar. Ini adalah haram dalam Islam.
2. Kalau ketani membali kereta dari bank, dan bank membeli kereta atu daripada ejen kereta contohnya, bank atu hendaklah sudah memiliki kereta atu dan kereta atu sudah berpindah milik daripada ejen kereta kepada bank. Dan pembeli hanya berurusniaga dengan bank sahaja dan bukan berurusan dengan ejen kereta lagi. Dalam erti kata lain, pembeli mesti mengambil kereta atu daripada bank atu sendiri, bukan dari ejen. Tapi secara praktikalnya, bank Islam di Brunei, ketani mengambil kereta atu dari ejen. Sedangkan sepatutnya kereta atu adalah dari bank. Rasulullah telah melarang ketani menjual barang yang belum dalam pegangan ketani. Tapi ani lah yang masih diamalkan bank Islam.
2. Manakala Al-Ijarah thuma al-Bae' (konsep Sewa kemudian beli) juga adalah haram. Kerana Islam melarang ketani beraqad dua dalam satu. Iaitu aqad sewa dan aqad beli dalam satu aqad. Ani adalah haram.
3. Konsep yang dikatakan 'Islamik' oleh bank-bank Islam di Brunei hanyalah sekadar helah untuk menutup urusniaga yang berunsur riba. Helah ani nampak saja halal, tapi natijahnya menyamai riba. Ani adalah haram.
Oleh itu masyarakat brunei haruslah berhati-hati dan mestilah membezakan Bank Islam dari Syara' dan Bank Islam dari segi nama. Terdapat juga bank yang bukan Islam pada nama, tetapi Islam pada kaedah. (Saya tidak ingat nama bank tersebut).
Sekian.
thanks for your great posting
Bathmate
This is very interesting and with the blogger's experience i.e. having difficulty in getting the correct information from the Bank itself, it showed that the Bank cares less to explain clearly the difference(s) between itself and conventional loans. I am quite knowledgable about Islamic contracts but it saddens me that most of the IFIs whether its in Brunei or anywhere else, to the customers, are akin to the conventional bank except for their names and the names of their products. Of course one may notice that the IFIs usually involves thicker contracts or agreements as basically Islamic Banking is all about trading i.e. Bai, leases and other forms of contracts. From a contractual perspective, I can say that most are valid trade/lease contracts which renders them Shariah compliant. However, my problem is, has Islamic Banks been successful in creating wealth for the Ummah? To me the spirit of Islam which endevours to build a stronger ummah through business activities that could create wealth is not really present in the Islamic Banks. Clearly understood that Banks, whether Islamic or conventional needs to make profit so that they can be sustainable. But so far its all about enriching themselves i.e. bottomline, profits etc..etc.. On the contrary, we have heard the success of micro credit scheme (not promoted by IFIs) in countries such as Bangladesh and other poor countries that were able to lift the quality of life of poor people (remember the guy that won the Nobel prize some years back?). Well, to me these micro credits are better and perhaps more Islamic than what we have now... In conclusion, I hope that the IFIs will stop emulating the conventional banks and also start thinking of how it can help the nation and the ummah rather than thinking of bottomline only. If it can achieve this, then and only then it can be labeled as a true Islamic Bank!
This may help you
http://www.islamicadvisory.com/
and will probably help you more since your in UK
Bank Islam dan konvensional adalah sama saja. Mereka mengamalkan riba.
Katalah salah seorang dari saudara saya Abu datang kepada saya dan meminta bantuan kewangan iaitu pinjaman wang untuk membeli baju sekolah anak-anaknya (yang juga sudah semestinya saudara saya). Jumlah yang mahu dipinjam adalah sebanyak RM100 dan Abu berjanji akan membayar balik secara ansuran. Terdetik didalam hati saya,"ini boleh buat duit ni, kalau mintak faedah/bunga/riba' haram jadinya, baik aku ubah sikit".
Saya: "Oklah Abu, macam ni saja lah, sebenarnya dari aku bagi kepada engkau lebih baik aku simpan dalam bank, bertambah jugak duit aku nanti, tapi sebab engkau saudara aku, jadi aku pinjamkan kepada engkau tetapi dengan syarat.
Mat: "Syarat macamana pulak tu?.
Saya: "Aku belikan baju untuk anak-anak engkau dengan harga RM100 dan aku jual kepada engkau dengan RM120, lepas tu engkau bayarlah bulan-bulan RM10 selama 12 bulan, bagaimana? setuju ka? Ini cara islam yang mana aku berjual-beli dengan engkau dan bukan aku kenakan faedah, kalau ada orang lain bertanya engkau cakaplah aku memberi pembiayaan kepada engkau, jangan sebut pinjaman sebab itu nampak tidak islamik".
Mat: "Baiklah, sebab aku terpaksa dan tidak ada cara lain lagi dah maka aku terima sahajalah syarat engkau itu, lagi pun engkau sudah tolong aku maka aku pun kenalah tolong engkau jugak. Tapi eloklah kita berakad untuk memastikan proses ini dikira pembiayaan dan jual beli".
INI ADALAH RIBA, BANK ISLAM CUMA MEMUTAR BELITKAN KEADAAN TETAPI HAKIKATNYA YANG PEMINJAM TERPAKSA BAYAR LEBIH DARIPADA NILAI YANG DIPINJAM.
http://www.youtube.com/watch?v=95vui9vsZ2E&feature=player_embedded
Salam,
For a long time, I have been trying to search any books or articles that can explain me the islamic banking in Brunei if they practice riba. Alhamdulillah, Allah has shown me the door and I did manage to buy a book "Pentingnya Larangan Riba Dalam Islam" and the author was Imran N. Hosein.
I recommend to all muslims wherever you are, try to get this book. It will explain every detail about riba.
After reading the book, I was satisfied! I found out all the Islamic Bankings in Brunei practice 'Riba'. There are two big sins they are facing right now i.e. 1) they practice 'Riba' 2) They make the 'Riba' becoming 'Halal' which against Firman Allah in the Quran.
Anyone who try to hide or turn Firman Allah the other way round, he or she can be considered as kufur!
To those who support someone who try to hide or turn Firman Allah the other way round also included in that group.
Na'uzubillah!
Salam Anonymous,
It is true, in my opinion, that the Islamic financial products in Brunei uses a controversial concept in Islamic financial circles, i.e. Inah under the guise of Bai Bithaman Aajil.
Unfortunately, the question now becomes what can be done? In M'sia, the use of Inah is said to be reduced towards more acceptable financial concepts (though I've yet to assess the products). Meanwhile, in Indonesia, I've been told that such controversial Islamic financial concepts are not used.
To learn from others' experiences, it appears that the impetus now is to (1) Encourage/Push Islamic banks to use more acceptable financial concepts & (2) Minimize personal financing via encouraging savings & reduce the culture of indebtedness. In other words, work towards improving the country's Islamic financial issue, from a demand & supply perspective.
My thoughts.
Wassalam,
Umar
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Muha! But you missed out the unstallment, you are charged by %. Hey come on dint manipulate ppl mind. There is no such thing bank islam. We have to follow our nabi s.a.w.
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BORROWERS APPLICATION DETAILS
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Hello Everybody,
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Greetings to you by ADIA.
We are a France-Paris based investment company known as Avit
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on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
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)
ANOUNCEMENT ANOUNCEMENT ANOUNCEMENT
This post is to let you all know that you can get a loan or any type of financial help at a very cheap interest rate of 2% without a collateral requirement.If you check this loan out you will be very happy you have done so because it is the cheapest loan you can ever think of, to get this loan contact jackballard396@gmail.com
he is a genuine loan lender and I have gotten finance from him for my business
Thanks
I got my programmed and blanked ATM card to
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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)
If you are in need of urgent loan of any kind then you should apply for a loan from Mr Lavington , you can get various types of loan from him like
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Thanks
We give out loan to individuals and organisations in need of financial assistance, that have a bad credit or in need of money to pay bills,to invest on business. Please write back if interested. contact email:taplender@gmail.com
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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)
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 $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 $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.
Hello and good day everybody,
If you need a personal or cooperate funding, you can reach this private loan lender that is here on the internet and willing to
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We will be expecting serious minded and dedicated loan fund seekers.
Kindest Regards
S Marek
Good Day, we offer loan to individuals and companies who are looking for
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I am Tina Lorinzane, I Got My Vacation and Xmas Loan. I want to express my gratitude to Mr Forbes Chris of Forbes Chris Loan Firm[FCLF] for helping me with an Xmas and Vacation Loan and also restoring my credit score by granting me a loan amount of $10,000 on the 4th of December 2018, after being turned down by my bank and other financial agencies I visited. I also want to recommend everyone out there in need of financial assistance to contact this company via email: Forbesloanfirm@outlook.com for more info.
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Thanks and look forward to your prompt reply.
Regards,
Muqse
Dear Customers.
We invite you all to participate in our new business and project funding program, We are currently funding for Business start-up Business developments, Business acquisition Business expansion, Project funding and Working capital etc.
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Are you a business man or woman? Do you need funds to start up your own business? Do you need loan to settle your debt or pay off your bills or start a nice business? Do you need funds to finance your project? We Offers guaranteed loan services of any amount and to any part of the world for (Individuals, Companies, Realtor and Corporate Bodies) at our superb interest rate of 3%. For application and more information send replies to the following E-mail address: standardonlineinvestment@gmail.com
Thanks and look forward to your prompt reply.
Regards,
Muqse
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 of 3% per annual for individuals, companies, and corporate bodies. We have provided millions in business loans to over 10,000 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 or 42 hours of successful application. 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: Houstonloanfirm@yahoo.com
Dear Sir,
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Description OF INSTRUMENTS:
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2. Total Face Value: Eur/USD 5M MIN and Eur/USD 10B MAX (Ten Billion EURO/USD).
3. Issuing Bank: HSBC Bank London, Barclay's bank London,Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. 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.
Regards,
kelvin Brigth
Email: kelvinbrigth84@gmail.com
Skype: kelvinbrigth84@gmail.com
Phone: +447546769978
+447031956543
Dear Sir,
We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease, our bank instrument can be engage in PPP Trading, Discounting, signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffeur driven offers.
We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.
The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760,
Description OF INSTRUMENTS:
1. Instrument: Bank Guarantee (BG/SBLC)
2. Total Face Value: Eur/USD 5M MIN and Eur/USD 10B MAX (Ten Billion EURO/USD).
3. Issuing Bank: HSBC Bank London, Barclay's bank London,Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. 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.
Regards,
kelvin Brigth
Email: kelvinbrigth84@gmail.com
Skype: kelvinbrigth84@gmail.com
Phone: +447546769978
+447031956543
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ameirmillerfinancialinstitute@gmail.com
Note : Fexible terms and conditons apply .
Warm Regards,
The Ameir Miller Groups .
Director of General Operations .
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+1 (929) 377-6816
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Private Lender Bentex Funding Group Ltd.
Greetings to you by (BFGL).
We are a France-Paris based investment company known as Bentex Funding
Group Ltd working on expanding its portfolio globally and financing
projects.
We would be happy to fund and invest with you in any profitable
project if you have any viable project we can finance by making mutual
investment with you. If you are interested, kindly contact us
on:avitinvestmentauthority2@gmail.com for more details.
Looking forward hearing from you soonest.
Yours truly,
Mrs Rose Larsson.
(Personal Assistant)
Bentex Funding Group Ltd(BFGL)
509 Rue Jacques Coeur,75008 Paris-France
Paris-France.Bentex Funding Group Ltd (BFGL)
APPLY FOR A NO UPFRONT FEE LOAN FUNDS HERE IN THIS NEW YEAR .
are you in debt and you need to clear off your debt in this new year 2019 ? Have you been frustrated by fake lenders in the past ? Do you have a bad credit score ? Are you scared of getting scammed ? Do you want to execute your project and you have little or no capital to do so ?
Your solution is here AT THE AMEIR MILLER GROUP OF LOAN AGENCY .
The Ameir Miller Group of loan agency is a christian foundational loan agency that is registered and based in the United States of America with an absolute tool of transrency and credibility as thousands of people are testifying about our miraculous phisical / online loan package all accross the globe which we would like you to take advantage of in this new year as this loan agency is a highly dignified , reputable and a globally recognized loan foundation.
We believe that .. for any loan agency to be termed as real and legit .. its mode of operations should be transparent and also its lending interest rate should be placed in a reasonable stand as this is why we are working under the instruction and policy of the money lending commission .. which states that all well meaning and all properly registered loan agencies should have its standard lending percent as %2.5 which is nothing less and by this reason , you all out there should know that any interest rate that is bellow %2.5 percent is fake and scam . We offer both secured and unsecured loans .
Our online loan programs takes a little less than 48 hours to be concluded up[on approval with no upfront fees .
Check if there are other types of loans that could serve your needs better :
We have various kinds of loan offer programs which ranges from Business loans , Agricultural product loans , Building loans, Developmentloans , .Health care loans , Debt consolidation loans , Bills clearance loans , General Business/Merchant loan ,Military Personnel loan ,Real estate loan , ,Educational loan.,Family loan , Personal loan Or Group loan ,Unsecured loan ,Travelling / Mobility loan ,Ceremony loan.
You can reach us on the following contact information for further inquiries on our loan program .. email us at :
, ameirmillerapprovedloans@usa.com , ameirmillerclassicloaninstitute@yahoo.com ,
theameirmillerloanorganisation@gmail.com , theameirmillerfinancialoffice@gmail.com
ameirmillerfinancialinstitute@gmail.com
Note : Fexible terms and conditons apply .
Warm Regards,
The Ameir Miller Groups .
Director of General Operations .
APPLY FOR A NO UPFRONT FEE LOAN FUNDS HERE IN THIS NEW YEAR .
are you in debt and you need to clear off your debt in this new year 2019 ? Have you been frustrated by fake lenders in the past ? Do you have a bad credit score ? Are you scared of getting scammed ? Do you want to execute your project and you have little or no capital to do so ?
Your solution is here AT THE AMEIR MILLER GROUP OF LOAN AGENCY .
The Ameir Miller Group of loan agency is a christian foundational loan agency that is registered and based in the United States of America with an absolute tool of transrency and credibility as thousands of people are testifying about our miraculous phisical / online loan package all accross the globe which we would like you to take advantage of in this new year as this loan agency is a highly dignified , reputable and a globally recognized loan foundation.
We believe that .. for any loan agency to be termed as real and legit .. its mode of operations should be transparent and also its lending interest rate should be placed in a reasonable stand as this is why we are working under the instruction and policy of the money lending commission .. which states that all well meaning and all properly registered loan agencies should have its standard lending percent as %2.5 which is nothing less and by this reason , you all out there should know that any interest rate that is bellow %2.5 percent is fake and scam . We offer both secured and unsecured loans .
Our online loan programs takes a little less than 48 hours to be concluded up[on approval with no upfront fees .
Check if there are other types of loans that could serve your needs better :
We have various kinds of loan offer programs which ranges from Business loans , Agricultural product loans , Building loans, Developmentloans , .Health care loans , Debt consolidation loans , Bills clearance loans , General Business/Merchant loan ,Military Personnel loan ,Real estate loan , ,Educational loan.,Family loan , Personal loan Or Group loan ,Unsecured loan ,Travelling / Mobility loan ,Ceremony loan.
You can reach us on the following contact information for further inquiries on our loan program .. email us at :
, ameirmillerapprovedloans@usa.com , ameirmillerclassicloaninstitute@yahoo.com ,
theameirmillerloanorganisation@gmail.com , theameirmillerfinancialoffice@gmail.com
ameirmillerfinancialinstitute@gmail.com
Note : Fexible terms and conditons apply .
Warm Regards,
The Ameir Miller Groups .
Director of General Operations .
APPLY FOR A NO UPFRONT FEE LOAN FUNDS HERE IN THIS NEW YEAR .
are you in debt and you need to clear off your debt in this new year 2019 ? Have you been frustrated by fake lenders in the past ? Do you have a bad credit score ? Are you scared of getting scammed ? Do you want to execute your project and you have little or no capital to do so ?
Your solution is here AT THE AMEIR MILLER GROUP OF LOAN AGENCY .
The Ameir Miller Group of loan agency is a christian foundational loan agency that is registered and based in the United States of America with an absolute tool of transrency and credibility as thousands of people are testifying about our miraculous phisical / online loan package all accross the globe which we would like you to take advantage of in this new year as this loan agency is a highly dignified , reputable and a globally recognized loan foundation.
We believe that .. for any loan agency to be termed as real and legit .. its mode of operations should be transparent and also its lending interest rate should be placed in a reasonable stand as this is why we are working under the instruction and policy of the money lending commission .. which states that all well meaning and all properly registered loan agencies should have its standard lending percent as %2.5 which is nothing less and by this reason , you all out there should know that any interest rate that is bellow %2.5 percent is fake and scam . We offer both secured and unsecured loans .
Our online loan programs takes a little less than 48 hours to be concluded up[on approval with no upfront fees .
Check if there are other types of loans that could serve your needs better :
We have various kinds of loan offer programs which ranges from Business loans , Agricultural product loans , Building loans, Developmentloans , .Health care loans , Debt consolidation loans , Bills clearance loans , General Business/Merchant loan ,Military Personnel loan ,Real estate loan , ,Educational loan.,Family loan , Personal loan Or Group loan ,Unsecured loan ,Travelling / Mobility loan ,Ceremony loan.
You can reach us on the following contact information for further inquiries on our loan program .. email us at :
, ameirmillerapprovedloans@usa.com , ameirmillerclassicloaninstitute@yahoo.com ,
theameirmillerloanorganisation@gmail.com , theameirmillerfinancialoffice@gmail.com
ameirmillerfinancialinstitute@gmail.com
Note : Fexible terms and conditons apply .
Warm Regards,
The Ameir Miller Groups .
Director of General Operations .
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APPLY FOR A NO UPFRONT FEE LOAN FUNDS HERE IN THIS NEW YEAR .
are you in debt and you need to clear off your debt in this new year 2019 ? Have you been frustrated by fake lenders in the past ? Do you have a bad credit score ? Are you scared of getting scammed ? Do you want to execute your project and you have little or no capital to do so ?
Your solution is here AT THE AMEIR MILLER GROUP OF LOAN AGENCY .
The Ameir Miller Group of loan agency is a christian foundational loan agency that is registered and based in the United States of America with an absolute tool of transrency and credibility as thousands of people are testifying about our miraculous phisical / online loan package all accross the globe which we would like you to take advantage of in this new year as this loan agency is a highly dignified , reputable and a globally recognized loan foundation.
We believe that .. for any loan agency to be termed as real and legit .. its mode of operations should be transparent and also its lending interest rate should be placed in a reasonable stand as this is why we are working under the instruction and policy of the money lending commission .. which states that all well meaning and all properly registered loan agencies should have its standard lending percent as %2.5 which is nothing less and by this reason , you all out there should know that any interest rate that is bellow %2.5 percent is fake and scam . We offer both secured and unsecured loans .
Our online loan programs takes a little less than 48 hours to be concluded up[on approval with no upfront fees .
Check if there are other types of loans that could serve your needs better :
We have various kinds of loan offer programs which ranges from Business loans , Agricultural product loans , Building loans, Developmentloans , .Health care loans , Debt consolidation loans , Bills clearance loans , General Business/Merchant loan ,Military Personnel loan ,Real estate loan , ,Educational loan.,Family loan , Personal loan Or Group loan ,Unsecured loan ,Travelling / Mobility loan ,Ceremony loan.
You can reach us on the following contact information for further inquiries on our loan program .. email us at :
, ameirmillerapprovedloans@usa.com , ameirmillerclassicloaninstitute@yahoo.com ,
theameirmillerloanorganisation@gmail.com , theameirmillerfinancialoffice@gmail.com
ameirmillerfinancialinstitute@gmail.com
Note : Fexible terms and conditons apply .
Warm Regards,
The Ameir Miller Groups .
Director of General Operations .
I went through hell last year trying to get an educational support from family and frinds last year and this therefiore made me decide to go in search of an urgent educational loan online by checking in through the google machine and i found a couple of loan agencies that promised to grant me a loan but been a smart Guy and also very attentive , i found out that several of those loan agencies that i encountered would not even waste any much time to approve my loan and the next thing they would ask for my bank account details and a transfer fee which really made me feel very uncomfortable simply because i never believed in those processes . I further went online and on one fateful Saturday i found testimony online about a loan agency named THE WINONA MILLARAY LOAN COUNCIL and upon communicating with them and seeing their online protocols , i saw something so distinct and different about them simply because they scrutinized my details properly and even to the extent of sending a signal to my current location in order to check if it was giving the right address and after all this was concluded , i was now fully convinced even by the way they message me , OMG , so official , and their email has a signature that shows that the loan agency was properly licences and duly accredited and seeing all these proves i decided to proceed with them and by God grace , i was granted an educational loan funds of POUNDS 80K upon my qualification for that loan and this is why i am so so happy and excited posting about this loan agency that has giving me hope again to go back to school and the beauty of this loan agency is that they normally give you a time period of 6 months space to start with your loan repayment after you might have received a loan from them .here is their information and do make sure that you have them contacted if really you are interested in getting any form of loan funds online simply because i have verified and found out that they are the best leading online loan agency of our time .thewinonamillarayloancouncil@hotmail.com and mrswinonamillarayloancouncil@gmail.com Angel
I went through hell last year trying to get an educational support from family and frinds last year and this therefiore made me decide to go in search of an urgent educational loan online by checking in through the google machine and i found a couple of loan agencies that promised to grant me a loan but been a smart Guy and also very attentive , i found out that several of those loan agencies that i encountered would not even waste any much time to approve my loan and the next thing they would ask for my bank account details and a transfer fee which really made me feel very uncomfortable simply because i never believed in those processes . I further went online and on one fateful Saturday i found testimony online about a loan agency named THE WINONA MILLARAY LOAN COUNCIL and upon communicating with them and seeing their online protocols , i saw something so distinct and different about them simply because they scrutinized my details properly and even to the extent of sending a signal to my current location in order to check if it was giving the right address and after all this was concluded , i was now fully convinced even by the way they message me , OMG , so official , and their email has a signature that shows that the loan agency was properly licences and duly accredited and seeing all these proves i decided to proceed with them and by God grace , i was granted an educational loan funds of POUNDS 80K upon my qualification for that loan and this is why i am so so happy and excited posting about this loan agency that has giving me hope again to go back to school and the beauty of this loan agency is that they normally give you a time period of 6 months space to start with your loan repayment after you might have received a loan from them .here is their information and do make sure that you have them contacted if really you are interested in getting any form of loan funds online simply because i have verified and found out that they are the best leading online loan agency of our time .thewinonamillarayloancouncil@hotmail.com and mrswinonamillarayloancouncil@gmail.com Angel
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.
WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.
Please, contact us for more information: abigailmills.loans227@gmail.com
Kindly write us back with the loan information;
BORROWER INFORMATION
1)Full Names:
2)Country:
3)address:
4)State:
5)Sex:
6)Marital Status:
7)Occupation:
8)Phone Number:
9)Monthly income:
10)Next of Kin:
11)Loan Amount Needed:
12)Loan Duration:
13)Purpose of Loan:
14)Specific date you need the loan:
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
abigailmills.loans227@gmail.com
We look forward to hear from you ASAP
Interested applicants should Contact us via email: abigailmills.loans227@gmail.com
My name is Mrs Abigail Mills we are a new legit loan lenders of 2019 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
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.
Please, contact us for more information: abigailmills.loans227@gmail.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:
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
Greetings..
Please contact us for your secure and unsecured Loan at an Interest rate of 2%
………………………………….
Is the difficulty of the economy affecting you this year,? If your answer is yes, then you need a loan. I’m Mrs Abigail Mills, the owner of a lending company We offer safe and secure loans at an interest rate of 2%.
* Are you financially squeezed?
* Do you seek funds to pay off credits and debts?
* Do you seek finance to set up your own business?
* Are you in need of private or business loans for various purposes?
* Do you seek loans to carry out large projects?
If you have any of the above problems, we can be of assistance to you but I want you to understand that we give out loans at the interest rate of 2%.
* Borrow anything up to $95,000,000 USD.
* Choose between 1 to 20 years to repay.
* Choose between Monthly and Annual repayments Plan.
* Flexible Loan Terms.
Please if you are interested check back with us through this email address: abigailmills.loans227@gmail.com
We promise a 100% guarantee that you will receive your loan at the end of this loan transaction.There is no security check, no credit check
Regards
Abigail Mills
Abigail Mills loan company
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 (Abigail Mills loan company) and other TOP PRIME AA BANKS like Bank of America, HSBC, Lloyds, Wells Fargo, The Best Banks for SBA Loans etc.
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.
We have provided over $1 Billion in business loans to over 17,000 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 $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? Abigail Mills loan company is the answer. Reduce your payments to ease the strain on your monthly expenses. contact us via Email(abigailmills.loans227@gmail.com)
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. 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 us via: abigailmills.loans227@gmail.com
Regards
Mrs Abigail Mills
Email: abigailmills.loans227@gmail.com
Motto: We offer the fastest and reliable financial services
Hello Everyone,
Welcome to the future! Financing made easy with Abigail Mills loan company.
Have you been looking for financing options for your new business plans, Are you seeking for a loan to expand your existing business, Do you find yourself in a bit of trouble with unpaid bills and you don’t know which way to go or where to turn to? Have you been turned down by your banks? Patricia Kingsman loan company. says YES when your banks say NO. Contact us as we offer financial services at a low and affordable interest rate of 2% for long and short term loans(Secured and Unsecured). Interested applicants should contact us for further loan acquisition procedures.
Services include:
* Car Loan
* Home Loan
* Truck Loan
* Mortgage Loan
* Debt Consolidation Loan
* Business Loan
* Personal Loan
* Students Loan.
With Patricia Kingsman loan company. you can say goodbye to all your financial crisis and difficulties as we are certified, trustworthy, reliable, efficient, fast and dynamic.
Email: abigailmills.loans227@gmail.com
Regards,
Mrs Abigail Mills
We are a financial consultants that handles international finances for any amount of banking instruments. 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? Abigail Mills loan company (abigailmills.loans227@gmail.com) is the answer. Reduce your payments to ease the strain on your monthly expenses. Feel free to engage our leased facilities as We have provided over $2 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 8 hours of successful application.
* Personal loans
* Debt consolidation loan
* Student loan,
* Truck Loans
* Car Loans
* Real Estate Loans
* Refinancing Loans
* Debt consolidation loans
* Education Loans
* Farm Loans
* Corporate Loans
* Business Start-up Loans
We offer loans from a minimum range of $5,000 to a maximum of $500 million, Abigail Mills loan company services Will give you loan with an affordable interest rate of 2% and loan duration of 1 to 20 years to pay back the loan (secure and unsecured). Our aim is to provide Excellent Professional Financial Services. 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. 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 us via: abigailmills.loans227@gmail.com.
Yours Sincerely,
Mrs. Abigail Mills.
We are certified and offer fast and reliable services….
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 2019 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
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
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
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
My name is Vonda Dionne i am from Los Angeles i just got my loan from a new legit loan company of 2019 and the name of the company that helped me with my loan today is Abigail Mills loan company they are the most lovely loan company i have ever came across with i applied for a loan from them yesterday and the only thing i did was pay the transfer fee which they said i should pay and immediately i make the payment in the next 12 hours time i was with my loan sorry i can not say how much they helped me with but it is a large amount of money so everyone if you need a real loan this is the right loan company to contact their mail address is abigailmills.loans227@gmail.com
Good day everyone my name is Donna Susan Patricia and i am from Houston, USA i want to use this chance i have now to write this message to the internet if anyone of you is looking for a loan real this is the right company to contact i am a business woman and i applied for a loan in a 2018 legit company and the name of the company is Abigail Mills loan company they have been helping people since 2018 and we are in 2019 now and i just received my loan from them so if anyone of you need a loan go and apply from them because they are real i just pray you people that need help with a loan don't get scammed that is why i am using this chance to write this message on the internet if you need a loan legit loan apply from this company so that you wont get scammed when you apply from the wrong company. their E-mail address is abigailmills.loans227@gmail.com.
Have a nice day everyone and i pray you are all happy as i am today
My name is Kimberly Lori Cheryl and i am from US, San Jose i want to use this time to tell everyone on the internet on how i received my loan after been scammed 3 times i applied for a loan from Abigail Mills loan company yesterday i saw people testify about her good works and on how she helped people so i decided to apply and she told me what i needed to do i was scared but i did it this morning now i just received an alert from my bank there there money in my account and i checked the amount and it was my loan i am so happy. So i want to use this time and say to everyone on the internet that this company is real if you need a loan this company is the right company to apply from do not get scammed like me because there are scammers out there apply from this company and you will be happy. their mail address is abigailmills.loans227@gmail.com
My name is Freida Erna Madeleine i am from Chicago USA i want to use this time to write to the internet that i just received my loan funds of 5 million dollars from this company called Abigail Mills loan company at first i did not believe what people were saying on the internet but i decided to try and i applied for the loan 2 days ago and i just received a call from my bank that there is the sum of 5 million dollars in my account and immediately i received an alert from my bank Abigail Mills loan company called me and asked me if i have received my loan and i told them yes so they said i should bring more people to there company if anyone do need a loan so if you really do need a loan this is the company to apply from they are really great and i believe now that there is a real loan company that gives loans and that company is Abigail Mills loan company so if anyone of you need an urgent loan and it is important this is the right company to apply from. Their mail address is abigailmills.loans227@gmail.com.
finally i am really happy and can start my own business now. Thank you once again Abigail you are great and God bless you and your company.
My name is Gwendolyn Tammie Shari. I am a single mother and i am from Canada and i live in the city of Montreal. I want to use this time to tell everyone on the internet that there is only one company that offers real loan and that company is Abigail Mills. I was looking for a loan online for the past 3 weeks now and all i have got is lenders scamming me of my money that i had God knows i was so poor and i wanted to kill my self but there i saw so many people testify about this company that they give out loans at first i did not believe cause i saw other testimonies of other lender and they all turned to be scams. I said let me apply from this company and see if it is true and immediately i applied they told me everything i needed to do and i agreed and they assured me that in 8 hours time i was going to be with my loan cause they said they are using fast transfer service. At first i did not believe but i waited for my loan before 8 hours time i received an alert from my bank and be hold it was my loan i was very shocked when i saw it and i prayed to God for directing me to the right company who helped me today as i am writing this on the internet now i just received my loan from this company and i am using this time to testify to other people if you need a loan a loan don't be fooled this is the right company to apply from. Their Email address is abigailmills.loans227@gmail.com and for you those who do not have an email address the company whatsapp number is +1 (903)378-6704.
This company is true and great if you need a loan apply now and wait for your loan cause you will be happy with this company.
Thanks everyone and i remain Gwendolyn Tammie Shari.
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 (903) 378-6704.
Hello Everyone
I am Wilma Linnea Matilda and i am from Philadelphia USA. I was looking for an online loan and i was very scared i have never applied for a loan before and i searched very well and search for a real company there i found a company called Abigail Mills loan company i look and i saw what people said about this company was true i decided to apply for a loan from the company and i needed a loan of $150,000.00 dollars to start a business when i applied she told me all i needed to do i did it and she assured me that in 8 hours time i was going to be with my loan i said okay and i waited in exactly 8 hours time i receive my loan from this company as i am writing this now i have never been scammed before and this company is great i have been hearing people talking about scams but i have never been scammed before and i thank God for that. So everyone if you need a real loan this is the right company to apply from they will help you and the time they tell you that you will receive your loan that is the exact time you will receive your loan. I just have to write this message to everyone so that you wont apply for a loan from the wrong company if you need a real loan contact this company and you will be happy. Their mail address is abigailmills.loans227@gmail.com.
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.
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 (903)378-6704. 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.
I am Brayden Wyatt Bryce by name i am a police officer and i live in New York city in USA. Few days ago i was searching for a loan online and i only found people scamming me of my money. I really need this loan for a project in Colombia and i have been cheated severally one day when i was off duty i decided to look again this time for a true company that give loans i found this company named Abigail Mills loan company and a lot of people have testify about this company at first i did not believe but i decided to apply the loan i was looking for was the sum of $7,000,000.00 i applied from this company and they told me all that needs to be done i trusted them and i did what they told me to do and they assured me that in 8 hours time i was going to be with my loan safely i never believed them but i waited for my loan in exactly 8 hours time i got a call from the company that if i have received my loan yet and i said No. They told me to go to my bank and check my account that my bank might not send me an alert i obeyed and i went to my bank and check my account on my eyes i saw my loan of $7,000,000.00 in my account the money i was having on my account before was $1,000,000.00 and i now found $8,000,000.00 pulse my money and my loan was $8,000,000.00 i am so happy and i thank this company for they are great. I want to use my little time to write to people in United States that if you need a real loan Abigail Mills is the right company to apply from this company does not know am doing this so anyone if you need a loan you can only contact this company via mail or whatsapp but i do not use whatsapp so their mail address is abigailmills.loans227@gmail.com
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 (903)378-6704. 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.
Abigail God will bless you and your company
My name is Veronica Rose Holly. I am from Chicago USA. I have nothing much to say anyone that need a true loan without you being cheated should apply from Abigail Mills cause i applied for a loan from this company today after i read so many good and wonderful comments about this company. I applied for a loan to pay my debts and all i needed was $50,000.00 because i will also use part of that money to pay my children school fees. As i am writing this on the internet now i just received my loan from this company today and i am so happy i never believed i would ever be happy again cause i have passed through a lot and i thank God for Abigail Mills God will bless her and his company for putting a smile to my face. So anyone around the world from Chicago and other countries that need a loan your helper is here and the company is Abigail Mills anyone that applied from Abigail Mills loan company will have no problem cause you will receive your loan exactly the time she tells you. their company Email address is abigailmills.loans227@gmail.com
Once again God bless you Abigail Mills and may you live long to continue helping people.
My name is Gwendolyn Shirley Tammie and i am from Houston in USA i just received my loan from Abigail Mills loan company right now and i have heard about this company and i thought it was a fake company but now i am so happy this company helped me and 100% this company is real so anyone that need a loan this is the right company to apply from now i applied for a loan for my business of 250,000.00 USD and this company helped me without delay i am so happy i am testifying this company because i saw other people do it and i am happy to be among the people who shares testimony on how this company helped me so everyone if you need a real loan your helper is here. their contact information is abigailmills.loans227@gmail.com
My name is Annette Kim Bailey I am from Ohio USA. I want to use my little time to write to the internet to people in need of a real loan that if you need a loan without getting cheated Abigail Mills is the right company to apply from i am a teacher of Mathematics and English and i was cheated 2 time by a fake company who clam to be lenders but i no longer worry because Abigail Mills has already helped me so if you need an urgent loan to do anything this company is going to put a smile to your face i have also introduced most of my friends to this company and only 2 of my friends told me they have received there loans already one of my friend received a loan of $38,000.00 dollars and the other of my friend received the sum of $75,000 dollars so anyone in need of an online loan apply from this company and you will be happy no doubt about that because this company is really helpful and God will continue to use them to help people in need of a loan. If you need an online loan apply from this company and contact them via this means email address abigailmills.loans227@gmail.com and also you can contact them via Whatsapp +1 (903)378-6704. Regards to anyone who reads my messages.
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 Patricia Kingsman is the right company to apply from i was cheated by 2 companies i applied for a loan from and Patricia Kingsman was the third company i applied from i received my loan from Patricia Kingsman 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 Patricia Kingsman ans be rest assured that you will be happy with this company. You can only contact this company via mail or whatsapp mail address is abigailmills.loans227@gmail.com Whatsapp +1 (903)378-6704. Regards to anyone who reads this message all over the world.
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 Patricia Kingsman 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 Patricia Kingsman 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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A few months ago I was financially tense and desperate, I had been deceived by several online lenders, I almost lost hope until God used my friend who referred me to a very reliable lender named Ms. Cynthia, who lent me an unsecured loan of Rp.800,000,000 (800 million) in less than 24 hours without constant payment or pressure and an interest rate of only 2%.
I was very surprised when I checked my bank account balance and found that the amount I applied was sent directly to my bank account without delay.
Because I promised that I would share the good news if he helped me with a loan, so people could get loans easily without stress or fraud
So, if you need any loan, please contact him via real email: cynthiajohnsonloancompany@gmail.com and by God's grace, he will never let you down in getting a loan if you obey his orders.
You can also contact me in my email: ladymia383@gmail.com and Sety who introduced and told me about Ms. Cynthia, here's the email: arissetymin@gmail.com
What I will do is try to fulfill my loan installment payments that I will send directly to the company account every month.
A word is enough for wise people.
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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 $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 $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, call/whats-App Contact Number +918929509036 via email:(urgentloan22@gmail.com) Thank you.
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 $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 $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, call/whats-App Contact Number +918929509036 via email:(urgentloan22@gmail.com) Thank you.
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Greetings
The Winona Millaray firm .
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NOTE: ALL REPLIES MUST BE SENT TO THIS COMPANY EMAIL ADDRESS BELOWWITH A CLEAR COPY OF ID OR DRIVER LICENSE EMAIL: (malwelamicrofinance@gmail.com) PLEASE SHARE!!!THANKS AND GOD BLESS YOU, DR William Smith.
Do you have a business that needs financing, or you need money for personal reasons such as; Debt consolidation, school fees, to buy a property such as car, house, to get medical care, etc? We offer a wide range of financing to companies and individuals who need financial aid or support for different legal purposes.
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call or add us on what's app +447466970046
Do you need a quick long or short term loan with a relatively low interest rate as low as 3%? We offer business loan, personal loan, home loan, auto loan, student loan, debt consolidation loan e.t.c. no matter your credit score. We are guaranteed in giving out financial services to our numerous clients all over the r world. With our flexible lending packages, loans can be processed and transferred to the borrower within the shortest time possible, contact our
specialist for advice and finance planning. If you need a quick loan to contact us at email: namastecredit01@gmail.com
call or add us on what's app +447466970046
Contact us with the following details
Loan amount:
Duration/term
Full name:
Country:
State:
Date of birth:
Monthly salary:
Home Address:
Marital status:
contact us at email: namastecredit01@gmail.com
call or add us on what's app +447466970046
My name is Doris Susan, am a Citizen Of Austria.Have you been looking for a loan? Do you need an urgent personal loan or business loan? contact Mr Carroll Walker Finance Home he help me with a loan of 42,000 Euro some days ago after been scammed of 2,800 Euro from a woman claiming to been a loan lender but i thank God today that i got my loan worth 42,000 Euro. Feel free to contact the company for a genuine financial service. Email:(infoloanfirm8@gmail.com)
My name is Doris Susan, am a Citizen Of Austria.Have you been looking for a loan? Do you need an urgent personal loan or business loan? contact Mr Carroll Walker Finance Home he help me with a loan of 42,000 Euro some days ago after been scammed of 2,800 Euro from a woman claiming to been a loan lender but i thank God today that i got my loan worth 42,000 Euro. Feel free to contact the company for a genuine financial service. Email:(infoloanfirm8@gmail.com)
I want to write a little testimony about the good work of doctor ehiaguna who cured me from Hsv 1 and 2 for just 2 week with his herbal medicine, I never believe I can be normal again and have a good life like others I always regretted the day I got diagnose with the virus, I was lost of hope when my doctor told me there is no cure for it but I keep thinking and thinking about my future, if I can have kids of my own well I am so grateful for my helper who get me cured with his herbal medicine, I go online in search of anything that can help me because I can’t deal with it forever so I found this doc ehiaguna email on a blog of someone who was cured by him I quickly contact him for help and explain all my pain to him, he told me not to worry about it there is cure for real, I never believe until he send me the herbal medicine when I order for it and I have it within 4 days that is how I took the medicine for 2 week and the following week I go for test just to confirm I was 100% cured from this sickness what a miracle in my life I am so happy right now, you can also get in contact with him if you have such sickness through drehiaguna@gmail.com and also WhatsApp him +2348073908953... And He also have herbs medicine to cured the following diseases; eczema,urethra wart,chronic problems.Herpes, Cancer, Als,Hepatitis, Diabetes, HPV,Infections,ulcer ETC
Good evening to you all I want to write a shortly message to the world how doctor ehiaguna help with his great herbal medicine to cured me from this horrible virus HSV 1 and 2 I get his email from someone name Olivia mason how she was also cured by doctor ehiaguna I never believe there was cure until I meet her testimony, I contacted doctor ehiaguna I don’t believe there was cure well I am so happy to write this testimony to the world, this man immediately when I sent him email and this man response within 20 minus and give me the necessary process and the herbal was sent to within 4 day I took it according to the instruction so with 2 week I was completely cured and I get my test done I was confirm negative I am so happy if you want to get his contact you can message him with this email drehiaguna@gmail.com or you can also WhatsApp him +2348073908953 he can fix this.HIV.HEPATITIS.ANTHRAX.HPV.CANCER.ALSAND ALSO SOLVE YOUR RELATIONSHIP PROBLEM
Good evening to you all I want to write a shortly message to the world how doctor ehiaguna help with his great herbal medicine to cured me from this horrible virus HSV 1 and 2 I get his email from someone name Olivia mason how she was also cured by doctor ehiaguna I never believe there was cure until I meet her testimony, I contacted doctor ehiaguna I don’t believe there was cure well I am so happy to write this testimony to the world, this man immediately when I sent him email and this man response within 20 minus and give me the necessary process and the herbal was sent to within 4 day I took it according to the instruction so with 2 week I was completely cured and I get my test done I was confirm negative I am so happy if you want to get his contact you can message him with this email drehiaguna@gmail.com or you can also WhatsApp him +2348073908953 he can fix this.HIV.HEPATITIS.ANTHRAX.HPV.CANCER.ALSAND ALSO SOLVE YOUR RELATIONSHIP PROBLEM
I Never believed i was ever going to be HSV FREE again, DR.Ehiaguna has given me reasons to be happy, i was HSV positive for 2 years and all the means and medicine i tried for treatment was not helpful to me, but when i came on the Internet i saw great testimony about DR.Ehiaguna on how he was able to cure someone from HSV 2, this person said great things about this man, and advice we contact him for any Disease problem that DR.Ehiaguna can be of help, well i decided to give him a try, he requested for my information which i sent to him, and he told me he was going to prepare for me a healing portion, which he wanted me to take for days, and after which i should go back to the hospital for check up, well after taking all the treatment sent to me by DR.Ehiahuna , i went back to the Hospital for check up, and now i have been confirmed HSV NEGATIVE, friends you can reach DR.Ehiaguna on any treatment of any Disease cos i saw many testimony of different disease like, HEPATITIS,HIV AIDS,EPILEPSY, CANCER,CFS he is the one only one i can show you all up to, reach him on drehiaguna@gmail.com or whatsApp him now +2348073908953. quick contact him for help and you can just quickly drop your number on your first mail as i did for easily conversation
TESTIMONY ON HOW I GOT MY LOAN
My name is Bhagwan Kumawzt by name and I live in the USA and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation get any kind of loan you need today, thank you, as you read greatest testimony of my life. with whats-app number +919667837169
Testimony of a serious loan acquired, thank you very much Dr. Mark Thomas for your loan assistance of 100,000(US DOLLARS) without any upfront fee,that you give me. I will talk about your services to those around me who need a loan or financing. I am happy with the loan you have granted me Do not hesitate,if you need a loan and a real legit loan lender so just kindly contact him now and get your loan via:: markthomasfinanceltd@gmail.com
Whats-App no +919667837169
Dr. Mark Thomas
TESTIMONY ON HOW I GOT MY LOAN
My name is Bhagwan Kumawzt by name and I live in the USA and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation get any kind of loan you need today, thank you, as you read greatest testimony of my life. with whats-app number +919667837169
Testimony of a serious loan acquired, thank you very much Dr. Mark Thomas for your loan assistance of 100,000(US DOLLARS) without any upfront fee,that you give me. I will talk about your services to those around me who need a loan or financing. I am happy with the loan you have granted me Do not hesitate,if you need a loan and a real legit loan lender so just kindly contact him now and get your loan via:: markthomasfinanceltd@gmail.com
Whats-App no +919667837169
Dr. Mark Thomas
TESTIMONY ON HOW I GOT MY LOAN FROM A GENUINE FINANCE COMPANY LAST WEEK. Email for immediate response: drbenjaminfinance@gmail.com
I am Mrs,Leores Jazbel by name, I live in United State Of America, who have been a scam victim to so many fake lenders online between November last year till July this year but i thank my creator so much that he has finally smiled on me by directing me to this new lender who put a smile on my face this year 2020 and he did not scam me and also by not deceiving or lying to me and my friends but however this lending firm is BENJAMIN LOAN INVESTMENTS FINANCE (drbenjaminfinance@gmail.com) gave me 2% loan which amount is $900,000.00 united states dollars after my agreement to their company terms and conditions and one significant thing i love about this loan company is that they are fast and unique. {Dr.Benjamin Scarlet Owen} can also help you with a legit loan offer. He Has also helped some other colleagues of mine. If you need a genuine loan without cost/stress he his the right loan lender to wipe away your financial problems and crisis today. BENJAMIN LOAN INVESTMENTS FINANCE holds all of the information about how to obtain money quickly and painlessly via Call/Text: +1(415)630-7138 Email: drbenjaminfinance@gmail.com
When it comes to financial crisis and loan then BENJAMIN LOAN INVESTMENTS FINANCE is the place to go please just tell him I Mrs. Leores Jazbel direct you Good Luck.......................
TESTIMONY ON HOW I GOT MY LOAN FROM A GENUINE FINANCE COMPANY LAST WEEK. Email for immediate response: drbenjaminfinance@gmail.com
I am Mrs,Leores J Miguel by name, I live in United State Of America, who have been a scam victim to so many fake lenders online between November last year till July this year but i thank my creator so much that he has finally smiled on me by directing me to this new lender who put a smile on my face this year 2020 and he did not scam me and also by not deceiving or lying to me and my friends but however this lending firm is BENJAMIN LOAN INVESTMENTS FINANCE (drbenjaminfinance@gmail.com) gave me 2% loan which amount is $900,000.00 united states dollars after my agreement to their company terms and conditions and one significant thing i love about this loan company is that they are fast and unique. {Dr.Benjamin Scarlet Owen} can also help you with a legit loan offer. He Has also helped some other colleagues of mine. If you need a genuine loan without cost/stress he his the right loan lender to wipe away your financial problems and crisis today. BENJAMIN LOAN INVESTMENTS FINANCE holds all of the information about how to obtain money quickly and painlessly via Call/Text: +1(415)630-7138 Email: drbenjaminfinance@gmail.com
When it comes to financial crisis and loan then BENJAMIN LOAN INVESTMENTS FINANCE is the place to go please just tell him I Mrs. Leores Jazbel direct you Good Luck.......................
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