Saturday 6 February 2016

Debts, Wits and Crappy Economics

About a week ago, while I was still rushing through beautiful New Zealand, this BBC interview with Economics Professor Steve Keen emerged and quickly got shared by predominantly leftist people. Keen, recently accepted a position at Kingston University, had his call to fame by predicting the financial crisis in 2008, an achievement shared by largely peripheral economists.
In the interview, Keen points out what he's been repeating for decades that banking systems matter, that they create money and that this money influences the economy. This is a prime example of where the peripheral schools of thought in Economics teaching broadly agrees with one another against the dominant mainstream view, albeit with vastly different implications and details of that perspective.

Keen's work, based on Hyman Minsky, concerns debt - and especially private debt levels - in comparison to GDP, which he mentions by saying the following:
"in global terms, you've got highest level of debt compared to GDP in the history of humanity."
Because he believes debt is so dangerous, his generic solution is a QE for the people, essentially debt-relief by vastly expanding the money supply. While I agree with his intention to equalise the treatments of Main Street with Wall Street, this solution is outright stupid. Let's take a look at why.

The most obvious mistake, which economists and journalists often make in regards to housing prices, is conflating stock and flow. GDP is a flow, created in each period by investments, business and individuals acting and consuming. Debt is stock, a financial contract of payment between two parties, quite unrelated to GDP. As such, comparisons to GDP become quite nonsensical. Debts correspond to assets, because that's what they intend to finance or create; in other words, having massive debts is not an issue as long as there is assets to back them up - think Oil Tankers or Airlines, with incredibly large asset-purchases to finance, with equally large debts. Of course, there is a relationship between assets/debts and incomes that is a flow: interest rates. But unless professor Keen somehow failed to notice, debt is cheap these days thanks to imprudent central banks, interest rates being artificially low (lowest in "history of humanity"?), and so financing the same amount of assets is much cheaper - or equivalently, the same amount used to finance debt in the past can now finance so much more debt, without jeopardising the ability to carry that debt. Hence, prima facie we should expect debts to be much higher than before.

Besides, a quick dive into the numbers suggests less reason to worry:

Or, at least it suggest that perhaps private debt is no cause for anxiety, as opposed to the almost doubling of public debt as share of GDP over the last 15 years.

Moving on to Keen's suggestion of QE for the people. As we've seen, high private debt-to-GDP is a red herring and not a problem. But for the sake of argument let's ignore that and see what follows from his solution.

First of all, by massively expanding the money supply, Keen circumvents the sole reason the Fed's trillion-increases in Base Money has not yielded the widespread inflation many Economists warned about: that banks are simply sitting on the money or parking it at the Federal Reserve earning interest rather than making loans. The money is not in the real economy, pushing up prices the way Austrians feared, nor bumping spending the way new-keynesians such as Bernanke or Krugman hoped for. Aggressively circumventing this, as Keen suggests, would release both those forced very quickly; GDP figures and employment would ramp up, prices for already-scarce resources would jack up, capital goods would pretty instantly become more expensive and the lovely inflation would return. Probably, depending on the size of the QE, it might be the out-of-control version we've been afraid of. But why would that matter, Professor?

Secondly, since the reason people held so much debt in the first place (low interest rate-policy and propped-up housing markets) are not dealt with, it's likely that people take on new debt once the old one is paid off by this Keen injection (or made redundant by price inflation lowering the real burden of debt). After all, houses are still expensive and debt is still cheap. When these people take on new debt, we rode a very bumpy and expensive merry-go-round, only to return to where we started, Professor - oh, expect for the fact that you sincerely screwed up monetary systems and incentives along the ride.

Thirdly, incentives. What happens to the mindset, the risk aversion and idea of debt when Keen gives everyone a massive debt relief? If someone else pays for my debt when they become too high, what will I likely do in the future? Essentially, in his quest for cosmic justice Keen extends the damaging problems of moral hazard in the banking system to every system, increasing risks all around, likely ramping up even more debt later on, since it is now rational to assume that parts of it won't be mine to repay.

Lastly, it's ironic how Keen criticize mainstream economists like former fed chairman Bernanke, when Keen's own "solution" is copying good old Helicopter Ben's hypothetical solutions from way before the crisis. It was ludicrous then, it's ludicrous now.

I'm glad such a public figure as Steve Keen speaks up about the monetary system and creates some diversity in an otherwise pretty homogeneous(ly wrong) discipline. And I'm incredibly happy that he's speaking at Glasgow Economic Forum in March (You should all go, btw!).

But boy are his ideas wrong. Spectacularly incorrect, hysterically unsuitable and outright dangerous. Not that it ever stopped statists before, did it.

257 comments:

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  2. Three points. Firstly debt may well be a stock but debt repayments are a flow. And the more debt, the more debt repayments.

    Secondly the issue with debt is that it has to be repaid with money. It's all very well saying that debts match assets, so everything is great, but the trouble is that when it is time to pay your lender you need to pay with cash, not with some portion of the asset. If you have to sell the asset in order to get money to pay the loan, you have a problem. If you discover that you can't get enough money to make the repayment by using the asset to earn an income, or even by selling it, you have a big problem. So the flow of money in circulation has to be large enough to at least match the flow of debt repayments, no matter how well the stock of assets might match the stock of debt.

    Thirdly, Steve Keen's proposal is not a helicopter money proposal; it is a debt reduction proposal. Helicopter money can be spent by its recipients on anything from rent, to consumer goods, to interest payments, to debt reduction. As such it would very likely have the results you predict. In contrast Keen's proposal prioritises debt principal repayment with the aim of reducing future debt repayments. As a result it would not inject money into circulation to nearly the same extent as the standard helicopter money would do.

    ReplyDelete
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    1. Thanks for stopping by, guys.

      1)/2): Ok, fair enough, this Minskyate 'speculative' debt levels where cash flow is barely sufficient to pay interest, and so repayments become an impossibility is a valid point. Now, consider this; in an economy where central banks do everything in their power to constantly push down yields and interest rates (ie, companies can constantly refinance at lower rates), instead of pursuing lower interest rates, they could agree on longer maturity. And so any business with a functioning calculator could figure out a sustainable combination of interest & debt repayments. My point still stands; looking at debt charts and crying "wolf" is quite silly.

      Secondly, it matters what this increase in debts you're so afraid of is doing. If it's taken out and consumed by households like pre-crisis Home ATM strategies, I agree we're in big trouble. If it's invested in factories, business expenditure, successful start-ups etc (and shale gas boom of few years back seem to suggest it was..) debt is mostly harmless.

      3) ok, maybe I exaggerate the Helicopter Ben analogy, but his suggestion still puts you guys in a very awkward situation: either it runs into incentive/moral hazard problems where people simply jack up their debt levels as soon as the reduction has kicked in - or the deflation of credit and de facto contraction of money supply sends prices falling. And so we see widespread deflation. Not that I mind, but last time I checked, Keen's camp of economists normally wants to jack CPI inflation UP - not down.

      Delete
    2. With Helicopter Money, jacking up debt levels is perfectly possible, so your point about the moral hazard of jacking up level of debt is perfectly good. But with Keen's proposal it's not, because anyone with debt must first use the money to pay down principal under the terms of his scheme. Sure, anyone who doesn't have debt could use the money to jack up debt. But if they wanted to do that they would have done it already. That kind of person is more likely to invest the cash. So moral hazard isn't an issue for Keen's proposal.

      As for debt being harmless, the story is more complicated. Debt creation puts money into circulation, debt repayment takes money out of circulation. So whether debt is good or bad depends upon the balance between debt creation and debt repayment. If debt creation dominates, the result is inflation as new money floods the economy; if debt repayment dominates the result is deflation as money disappears from circulation; if the two are roughly balanced, there's no problem. So how harmless/harmful the debt is depends on how far from balance the loan issue/repayment situation is. But when debts are large, either interest rates need to be low or loan issues need to be high in order to maintain that balance. And when people don't want to borrow money that causes a problem because it may be impossible to push down interest rates far enough to restore a balance between money creation from loan issue and money destruction from loan repayment. In such a situation, having the government create money without debt may be the only way to break out of a debt spiral. The good news is that in that situation, the extra money is not going to jack up inflation; instead it's going to jack down deflation because if we don't do it deflation is going to get really bad. And by really bad I mean bankruptcies, unemployment and cheaper (but less affordable) goods. All symptoms which we are already beginning to see...

      Delete
    3. First of, you're missing the point. Afaik, Keen's proposal doesn't including a permanent ban on certain debt levels, right. Meaning that when Average Joe with credit cards debts or massively leveraged Business B get this Keen money, it is true that they are forced the pay down debt; what I'm saying is that AFTER that, they have every incentive to take out new debt. Why? They took on these debts for a reason (stupidity, imprudency, low interest rates, propped housing market whathave you), and Keen's proposal is not targetting those. That is, even if what you're saying is true, it's only painkillers for a cancer patient.

      Ok, maybe. Problem is: by intervening in markets via QE stimulus, the losses from the housing market crash are kept aside. Since -09 the Fed has effectively bought up toxic assets rather then let them default so the economy can recover. Instead, we're stuck in this never-ending circle of slow-growth and only slowly over time take those losses. What we need IS a negative balance between debt creation and repayment. New debt just prolongs the crisis..
      Shoving dirt under the rug doesn't make it go away..

      Here we go again with the "omg deflation is horrible". Funny how generally left-wing economist rely so much on Friedman & Schwartz...There's no compelling reason why generally falling CPI numbers should be a cause for concern.

      Delete
  3. As Derek points out, the logical fact that the total of debts equals the total of assets buys you absolutely nothing, either literally or theoretically.

    If it had any purchase in the real world there would, for example, be no credit-checking industry.

    It is a sign of the dogmatism of mainstream economics and its fantasy barter world that the difference between claims to wealth and real wealth is not recognised.

    Joakim's misconceptions are the result of his mainstream teachers' refusal to engage with other perspectives, and in particular the horror with which the mainstream regards the teaching of the history of economic thought

    It is now well over 100 years since Marx introduced the concept of fictitious capital -- "money that is thrown into circulation as capital without any material basis in commodities or productive activity" -- or in other words paper claims to wealth and income streams, as distinct from from money capital on the one hand, and real capital invested in productive assets on the other.

    ReplyDelete
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    1. See my response above; it does.

      That's a non sequitur; and that industry does exactly what I was talking about - measure ASSETS on the one hand vs DEBTS on the other. Outcome and riskiness of Same loan with same interest is very different if posting 0 collateral or LARGE collateral.

      Hm, I like to think that my understanding of HET and diversity of economic ideas is slightly more sophisticated than your average mainstream professor. Besides, there's a difference between knowing your HET (which I claim I do) and accepting validity of former economists claims, in present as well as past life (which I don't).

      Delete
  4. This is Prof R. Werner's suggestion.

    "Importantly for our disaggregated quantity equation, credit creation can be disaggregated, as we can obtain and analyse information about who obtains loans and what use they are put to. Sectoral loan data provide us with information about the direction of purchasing power - something deposit aggregates cannot tell us. By institutional analysis and the use of such disaggregated credit data it can be determined, at least approximately, what share of purchasing power is primarily spent on `real' transactions that are part of GDP and which part is primarily used for financial transactions. Further, transactions contributing to GDP can be divided into `productive' ones that have a lower risk, as they generate income streams to service them (they can thus be referred to as sustainable or productive), and those that do not increase productivity or the stock of goods and services. Data availability is dependant on central bank publication of such data. The identification of transactions that are part of GDP and those that are not is more straight-forward, simply following the NIA rules."

    P20

    http://eprints.soton.ac.uk/339271/1/Werner_IRFA_QTC_2012.pdf

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  55. HELLO FRIENDS FRIENDS. I HERE TO SHARE THIS GOOD NEWS WITH YOU. IN FACT, AFTER MUCH LOOKING FOR A LOAN WITHOUT SATISFACTION, I SAW A COMMENT BY MRS. CHANTALE GISELE WHO GRANTED A LOAN HAS A KNIGHT WHO HAD TO SPEAK ABOUT IT. SO I ALSO CONTACT THIS LADY AND SHE REALLY WAS A LOAN OF USD 95000. THANKS TO MRS. CHANTALE GISELE I COULD EXPAND MY BUSINESS. I NEVER STOP GRATEFULLY. DO NOT HESITATE IN YOU DO NOT HAVE TO CONTACT WITH THEM IN CASE OF NEED.
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  56. HELLO FRIENDS FRIENDS. I HERE TO SHARE THIS GOOD NEWS WITH YOU. IN FACT, AFTER MUCH LOOKING FOR A LOAN WITHOUT SATISFACTION, I SAW A COMMENT BY MRS. CHANTALE GISELE WHO GRANTED A LOAN HAS A KNIGHT WHO HAD TO SPEAK ABOUT IT. SO I ALSO CONTACT THIS LADY AND SHE REALLY WAS A LOAN OF USD 95000. THANKS TO MRS. CHANTALE GISELE I COULD EXPAND MY BUSINESS. I NEVER STOP GRATEFULLY. DO NOT HESITATE IN YOU DO NOT HAVE TO CONTACT WITH THEM IN CASE OF NEED.
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  57. we meet the needs of individuals, companies and organizations. offering private loans without the need of collateral. amount ranging from 10,000 eur up to 5,000,000 eur at 3% interest per annum.

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  58. we meet the needs of individuals, companies and organizations. offering private loans without the need of collateral. amount ranging from 10,000 eur up to 5,000,000 eur at 3% interest per annum.

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  59. Hello, Ladies and Gentlemen, Are you in need of an urgent loan? Do you need a loan to start your own business or project or to buy a house or a car? Do you need a loan to clear your debts or pay your bills? If your answer is yes, I will advice you to contact Marcus & Millichap at (pinnaclefinancegroupinc@gmail.com) to get your quick loan

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  63. Hello Ladies and Gentlemen, Are you in urgent need of a business loan, personal loan or mortgage loan? If yes, I will advise you to contact Sunshine Financial Group via this email address (sunshinefinancialgroupinc@gmail.com) to get your loan

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  64. Hello, this lucky Benson loan company. In this company we offer a lifetime loan opportunity. Do you need an urgent loan to clear your debts or do you need a capital loan to improve your business? Have you been rejected by banks and other financial agencies? Do you need a consolidation loan or a mortgage loan? Today, we say we stand and look further from where we are here to make all your financial problems something of the past. We lend funds to individuals in need of financial assistance, who have bad credit or need money to pay bills, to invest in business by 2%. We want to use this tool to inform you of all our helpful and reliable help, and you will be ready to make your decision. We are saved, and we keep our word and our promises. Contact us today by e-mail:
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  65. Good Day Mrs Cheok

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  66. Hello, this lucky Benson loan company. In this company we offer a lifetime loan opportunity. Do you need an urgent loan to clear your debts or do you need a capital loan to improve your business? Have you been rejected by banks and other financial agencies? Do you need a consolidation loan or a mortgage loan? Today, we say we stand and look further from where we are here to make all your financial problems something of the past. We lend funds to individuals in need of financial assistance, who have bad credit or need money to pay bills, to invest in business by 2%. We want to use this tool to inform you of all our helpful and reliable help, and you will be ready to make your decision. We are saved, and we keep our word and our promises. Contact us today by e-mail:
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  67. Private Lender Bentex Funding Group Ltd.
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    Paris-France.Bentex Funding Group Ltd (BFGL)

    ReplyDelete
  68. Circle of light,
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  71. Somos una empresa serio y honesto que concede INVERSION/FINANCIACIÓN y CREDITO de dinero que van de 50.000 usd a 50.000.000 usd tienen todas las personas que es en el s están a la búsqueda de préstamo de dinero para cubrir una necesidad, regular una deuda,realizar un proyecto, reactivar sus actividades, más preocupación Le ruego que usted directamente se pongas en contacto conmigo por correo electrónico: additionnefinanzas@gmail.com o contacto mi por whatsap +33 644661293 / whatsap: +51 910034390

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  72. Conseguir un préstamo legítimo siempre ha sido un gran problema para los clientes que tienen problemas financieros y necesitan una solución. La cuestión del crédito y las garantías son algo que los clientes siempre están preocupados cuando buscan un préstamo de un prestamista legítimo. Pero ... hemos hecho esa diferencia en la industria crediticia. Podemos arreglar para un préstamo del rango de 5000 $ hasta 5.000.000,00 $ tan bajo como 2% de interés Por favor, responda de inmediato a este correo electrónico: additionnefinanzas@gmail.com / whatsap +33644661293 / whatsap : +51 910034390

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  73. Vamos a hacer una oferta de Financiación para todos sus proyectos.
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  75. Para realizar inversiones en bienes raíces que usted está trabajadores por cuenta propia, sus ideas o proyectos O incluso invertir en su negocio actual? Independientemente de si usted necesita una hipoteca, financiación inmobiliaria, refinanciación, financiación de conexión, la financiación de proyectos financiación de inversiones o el desarrollo del capital. ideal ofertas financieras de todo esto (Finanzas e Inversiones todos los tipos). Póngase en contacto con nosotros y mantenerse en contacto con su oportunidad financiar el asesoramiento personalizado. Por favor, envíe sólo las investigaciones serias: Contacto e-mail : additionnefinanzas@gmail. com / whatsap: +33 644661293/ whatsap:+51 910034390

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  76. Buscamos a gente confiable con proyectos rentables que van desde 2.000.000 hasta 50 millones € en la mano,con los cuales se podría trabajar de forma transparente e invertir en su proyecto, sea cual sea el campo.Para obtener más información, póngase en contacto con nosotros en e-mail: (( watsap +33 644661293 )) y whatsap :+51 910034390 correo electronico: additionnefinanzas@gmail.com

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  77. Vamos a hacer una oferta de Financiación para todos sus proyectos.
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    Para los individuos, ofrecemos préstamos que varían de 5.000 euros a 1.000.000 euros por cualquier motivo del préstamo:
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    Nuestras soluciones para el negocio incluyen préstamos para:-Investimientos en capital social-Financiamiento a la creación de empresas, crecimiento; expansión de las actividades; fusiones y adquisiciones; adquisición de equipos; refinanciación varios bancos internacionales. Para saber más sobre nuestros conocimientos y el beneficio de una solución de financiamiento o de crédito, entre en contacto con nosotros.Correo electrónico: additionnefinanzas@gmail.com (( watsap +33 644661293 ))

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  78. usted es especial, honesta y de buen carácter, tiene un ingresó que le puede ayudar con sus pagos mensuales se producen; Te pongo con un préstamo de 50.000 a 50 millones $ con condiciones muy rentables a una tasa de interés del 2%. No llevo en préstamo por lo que si usted está interesado en conseguir menos de 24 horas, la cantidad cargada a su cuenta y se resolverán todos sus problemas, puede ponerse en contacto conmigo directamente por correo electrónico : additionnefinanzas@gmail.com (( watsap +33 644661293 )) y whatsap :+51 910034390

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  79. El dinero no tiene que devolverse, por ser de financiaciones financieras. Solamente aceptamos proyectos individuales y agrupados, preparados en inglés, de un mínimo de 1 millón y de un máximo de 30 millones. Solamente pueden contactarnos dueños de proyectos o intermediarios que puedan demostrar documentalmente, que están autorizados por los dueños. Contacto por el siguiente correo electrónico:e-mail: additionnefinanzas@gmail.com (( watsap +33 644661293 )) y whatsap :+51 910034390

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  80. Usted está en un impasse financiero, necesita un poco de crédito y está luchando para obtener capital de préstamos de los bancos locales y otras instituciones financieras. Tenemos un capital necesario para ofrecer préstamos que van desde 5.000 a € 100.000.000 a tasas de interés bajas de 2% sin ninguna verificación de crédito. Ofrecemos préstamos personales, préstamos de consolidación de deudas, préstamos hipotecarios, créditos de recompra o préstamos por cualquier razón. Póngase en contacto con nuestro agente de crédito para encontrar fácilmente la satisfacción:additionnefinanzas@gmail.com / whatsap: +33644661293 / whatsap : +51 910034390

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  81. Somos una empresa serio al servicio de todos los peruanos,Mexicans, Argentineans, Bolivians, Guatemalans, otorgamos financiación rápido y fácil con garantía de automóviles, joyas de oro y electrodomésticos, contamos con amplia experiencia lo cual nos permite garantizar, seguridad, eficiencia y agilidad en el servicio que ofrecemos. INFO: additionnefinanzas@gmail. com / whatsap: +33644661293/ whatsap : +51 910034390

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  82. Soy un particular serio y honesto que concede préstamos de dinero que van de 50.000€ a 50.000.000€ tienen todas las personas que es en el están a la búsqueda de préstamo de dinero para cubrir una necesidad, regular una deuda, realizar un proyecto, reactivar sus actividades, más preocupación.. le ruego que usted directamente se pongas en contacto conmigo por correo electrónico para tener más información: additionnefinanzas@gmail.com / whatsap: +33644661293 / whatsap : +51 910034390

    ReplyDelete


  83. Credito-ya inmediato con asnef
    necesita dinero pero tiene asnef? a partir del 2% de interés. en solo 48 horas! desde 5.000€ - 10.000.000€ . somos prestamistas particulares y privados. concedemos préstamos personales con asnef, rápidos y créditos urgentes de capital privado . préstamos con asnef en cómodas cuotas. estudiamos tu caso particular, y te damos respuesta . llámenos ahora sin compromiso alguno!mail: additionnefinanzas@gmail.com /whatsap: +33644661293 / whatsap : +51 910034390

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  84. Ofrezco préstamos de 5.000 $ a más de 50.000.000 $ a cualquier persona necesitada y capaz de pagar. El reembolso se hará durante un período de su elección con un tipo de interés fijo del 2%. Para todas las solicitudes aquí está mi email: additionnefinanzas@gmail.com / whatsap: +33644661293 / whatsap :+51 910034390

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  85. Are you seeking for an urgent loan? Have you be denied of a loan from your bank or any Financial Firm? Do you need financial assistance Do you need a loan to pay off your bills or buy a home, or Consolidate your debt and be debt free? Do you want to have a Business of your own and you need Financial Loan Help? Contact (Globalfinance861@gmail.com) for your fast reliable loan at a low interest rate of 3%. They are willing to help you out on either Business or Personal Loans, affordable repayment plan with good credit record. They Offer loan at affordable interest rate. if so contact Global finance loan Firm for more information by Email:(globalfinance861@gmail.com).

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  87. Hello, this lucky Benson loan company. In this company we offer a lifetime loan opportunity. Do you need an urgent loan to clear your debts or do you need a capital loan to improve your business? Have you been rejected by banks and other financial agencies? Do you need a consolidation loan or a mortgage loan? Today, we say we stand and look further from where we are here to make all your financial problems something of the past. We lend funds to individuals in need of financial assistance, who have bad credit or need money to pay bills, to invest in business by 2%. We want to use this tool to inform you of all our helpful and reliable help, and you will be ready to make your decision. We are saved, and we keep our word and our promises. Contact us today by e-mail:
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  89. Need an emergency loan? We give out business loans, personal loans, student loans, car loans, etc., if you are interested contact us via: (georgeanderson.loanfirm255@gmail.com)

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  90. Compliments of the day
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  91. Private Lender Bentex Funding Group Ltd.
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  92. Are you in need of a loan? Do you want to be financially stable? Or do you want to expand your business? We offer company loan, auto loan, business loan, and personal loan at a very reduced interest rate of 2% with comfortable duration which is negotiable. This offer is open to all that will be able to pay back in due time. Contact us via our email: creditclearance4@gmail.com or WhatsApp, +19782277925

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  96. Sky Wealth loan Firm, we give out loans at an interest rate 0f 3%.

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  97. Compliments du jour
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  98. Private Lender Bentex Funding Group Ltd.
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    Mrs Rose Larsson.
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    Paris-France.Bentex Funding Group Ltd (BFGL)

    ReplyDelete

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  101. Its Loveline and I am sorry if you find my story boring but the buttom line is that i got a loan without stress and i need to let the world know this. Here is my story and i will be very direct ad straight forward as good as possible so that we all can learn from this , My daughter suffered from cancer of the skin which resulted in me spending so much and almost all my whole life savings went down for this course as i am a single mom and also my credit was declared bad .. looking at my situation there was nothing could do other than resort to asking for help from friends and family but to be sincere the assistance they could provide could not even pay my 2 months rent that i was owing let alone put a food on our table as i had issues gaining employment at that point in time and due to this reason i tried getting loans from various online lender and the first one i trusted milked out the contribution that was granted to e which was $4000 .. funny ! i became even poorer all in the name of getting a loan but i complained to my neighbor about my ordeal and how i got used and scammed by fake lenders and she also told me that she was also a victim and she got into her apple device in my presence and got out an email address of a UNITED STATE REGISTERED LOAN AGENCY BY NAME .. THE WINONA MILLARAY LOAN AGENCY and she confirmed and guaranteed me that they will never ask me for a fee because they are a christian and a genuine loan agency and she further assisted me with application and my loan funds was delivered into my bank of America Account in 48 hours without stress , because of my excitement i could not hold this but to share my encounter about this God sent foundation : mrswinonamillarayloancouncil@gmail.com , thewinonamillarayloancouncil@hotmail.com to the world so that anyone that is also in need can benefit from their %2 percent rate just like i did .

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  102. Its Loveline and I am sorry if you find my story boring but the buttom line is that i got a loan without stress and i need to let the world know this. Here is my story and i will be very direct ad straight forward as good as possible so that we all can learn from this , My daughter suffered from cancer of the skin which resulted in me spending so much and almost all my whole life savings went down for this course as i am a single mom and also my credit was declared bad .. looking at my situation there was nothing could do other than resort to asking for help from friends and family but to be sincere the assistance they could provide could not even pay my 2 months rent that i was owing let alone put a food on our table as i had issues gaining employment at that point in time and due to this reason i tried getting loans from various online lender and the first one i trusted milked out the contribution that was granted to e which was $4000 .. funny ! i became even poorer all in the name of getting a loan but i complained to my neighbor about my ordeal and how i got used and scammed by fake lenders and she also told me that she was also a victim and she got into her apple device in my presence and got out an email address of a UNITED STATE REGISTERED LOAN AGENCY BY NAME .. THE WINONA MILLARAY LOAN AGENCY and she confirmed and guaranteed me that they will never ask me for a fee because they are a christian and a genuine loan agency and she further assisted me with application and my loan funds was delivered into my bank of America Account in 48 hours without stress , because of my excitement i could not hold this but to share my encounter about this God sent foundation : mrswinonamillarayloancouncil@gmail.com , thewinonamillarayloancouncil@hotmail.com to the world so that anyone that is also in need can benefit from their %2 percent rate just like i did .

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  103. Its Loveline and I am sorry if you find my story boring but the buttom line is that i got a loan without stress and i need to let the world know this. Here is my story and i will be very direct ad straight forward as good as possible so that we all can learn from this , My daughter suffered from cancer of the skin which resulted in me spending so much and almost all my whole life savings went down for this course as i am a single mom and also my credit was declared bad .. looking at my situation there was nothing could do other than resort to asking for help from friends and family but to be sincere the assistance they could provide could not even pay my 2 months rent that i was owing let alone put a food on our table as i had issues gaining employment at that point in time and due to this reason i tried getting loans from various online lender and the first one i trusted milked out the contribution that was granted to e which was $4000 .. funny ! i became even poorer all in the name of getting a loan but i complained to my neighbor about my ordeal and how i got used and scammed by fake lenders and she also told me that she was also a victim and she got into her apple device in my presence and got out an email address of a UNITED STATE REGISTERED LOAN AGENCY BY NAME .. THE WINONA MILLARAY LOAN AGENCY and she confirmed and guaranteed me that they will never ask me for a fee because they are a christian and a genuine loan agency and she further assisted me with application and my loan funds was delivered into my bank of America Account in 48 hours without stress , because of my excitement i could not hold this but to share my encounter about this God sent foundation : mrswinonamillarayloancouncil@gmail.com , thewinonamillarayloancouncil@hotmail.com to the world so that anyone that is also in need can benefit from their %2 percent rate just like i did .

    ReplyDelete
  104. Do you have a bad credit? Do you need money to pay bills? Is it necessary to start a new business? Do you have an unfinished project due to poor funding? Do you need money to invest in any specialty that will benefit you? And you do not know what to do. We offer the following loans;both Personal loans [secure and unsecured], Business loans [secure and unsecured] ,combination loans ,Student loans,Consolidation loans and so many others.

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

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  109. We offer loan from €10,000.00 to €20,000,000.00 at affordable interest rate and with no credit check ,we offer Personal loans, debt consolidation loans, venture capital, business loans, education loans, home loans or “loans for any reason!”? We have a fixed 2% interest rate!!!
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  110. Have you being seeking for loan for so long and you are finding it difficult to get, here is an opportunity to get one, trems Loan finance can give you a loan today. They gave me a loan of $25,000 within few days you can give them a try today to get your loan. Email contact via: tremsfinanceloanfirm@gmail.com

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  111. Dear Sir/Madam,
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    ReplyDelete

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

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    ReplyDelete

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

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    HELLO LOAN SEEKERS ...


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

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

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


    What is the loan Process?

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

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

    YOU ARE ALL BLESSED AND UPLIFTED AS YOU APPLY .

    Signed By ,

    The Company Management .

    ReplyDelete


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

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

    ReplyDelete


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

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

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

    ReplyDelete
  117. Hello Ladies and Gentlemen, Are you in urgent need of a business loan, personal loan or mortgage loan? If yes, I will advise you to contact us at Sunshine Financial Group via this email address (sunshinefinancialgroupinc@gmail.com) to get your loan

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    ReplyDelete
  118. Private Lender Bentex Funding Group Ltd.
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    Yours truly,
    Mrs Rose Larsson.
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    Bentex Funding Group Ltd(BFGL)
    509 Rue Jacques Coeur,75008 Paris-France
    Paris-France.Bentex Funding Group Ltd (BFGL)

    ReplyDelete
  119. Private Lender Bentex Funding Group Ltd.
    Greetings to you by (BFGL).
    We are a France-Paris based investment company known as Bentex Funding
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    Looking forward hearing from you soonest.
    Yours truly,
    Mrs Rose Larsson.
    (Personal Assistant)
    Bentex Funding Group Ltd(BFGL)
    509 Rue Jacques Coeur,75008 Paris-France
    Paris-France.Bentex Funding Group Ltd (BFGL)

    ReplyDelete
  120. I came across this loan company on Google and I contacted the email I saw all of a sudden I was approved a loan of €180,000 so I never believed all this can work till I was credited €180,000 will advice anyone who is in need of a loan to contact this loan company for help of a loan this is the company email >>>>>Guaranteeloanoffer@outlook.com<<<<< or contact on WhatsApp @ +38972751056

    ReplyDelete
  121. My Name is Mrs Benita Shila, i live in USA and life is worth living comfortably for me and my family now and i really have never seen goodness shown to me this much in my life as i am a struggling mum with three kids and i have been going through a serious problem as my husband encountered a terrible accident last two weeks, and the doctors states that he needs to undergo a delicate surgery for him to be able to walk again and i could not afford the bills for his surgery then i went to the bank for a loan and they turn me down stating that i have no credit card, from there i run to my father and he was not able to help, then when i was browsing through yahoo answers and i came across a loan lender Mr Bob Diamond,who provides loans at an affordable interest rate and i have been hearing about so many scams on the internet but at this my desperate situation, i had no choice than to give it an attempt and surprisingly it was all like a dream, i received a loan of $35,000 USD and i payed for my husband surgery and thank GOD today he is okay and can walk and is working and the burden is longer so much on me any more and we can feed well and my family is happy today and i said to my self that i will shout aloud to the world of the wonders of GOD to me through this GOD fearing lender Mr Bob Diamond and i will advise anyone in genuine and serious need of loan to contact this GOD fearing man via..cityfinancingservice@gmail.com,and i want you all to pray for this man for me. You can also contact him on his whatsapp mobile on +447856189177

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    Mrs Benita Shila,
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    ReplyDelete
  122. Good day everyone, I have good news for you, Do you need a loan to setup your own business or invest in your company, pay debt or resolve some issues?? trems finance company is willing to lend you as much as you can repay, no tricks, or scams or playing games, serious and God fearing minded should contact : tremsfinanceloanfirm@gmail.com for more information.. Stay blessed

    ReplyDelete

  123. Hello Everybody,
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    ReplyDelete
  124. We offer loan from €100,000.00 to €200,000,00, at affordable interest rate and with no credit check ,we offer Personal loans, debt consolidation loans, venture capital, business loans, education loans, home loans or “loans for any reason!”? We have a fixed 3% interest rate!!!
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    ReplyDelete
  125. Loan offer Loan offer
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  127. Do you need Personal Finance? Business Cash Finance? Unsecured Finance Fast and Simple Finance? Quick Application Process? Finance. Services Rendered include, *Debt Consolidation Finance *Business Finance Services *Personal Finance services Help contact us today and get the best lending service personal cash business cash just email us below Contact us:(fastloanoffer34@gmail.com)

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

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  133. APPLY FOR A NO UPFRONT FEE LOAN FUNDS HERE IN THIS NEW YEAR .
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    ReplyDelete
  134. Privatkreditgeber Bentex Funding Group Ltd.
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  137. Do You Need A Loan To Consolidate Your Debt At 1.0%? ValidusCapital@execs.com ( ValidusCapital@techie.com ) Or A Personal Loans * Business Loans etc. Interested Parties Should Contact Us For More Information Through Via E-mail: ValidusCapital@execs.com ( ValidusCapital@techie.com )

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  138. DO YOU NEED AN AFFORDABLE LOAN TODAY?

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    *Refinancing Loans
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  139. TRUSTING PEOPLE SOMETIMES IS GOOD NO MATTER YOUR BAD POAST EXPERIENCE .
    Hi ,My name is Davies and i wanna specially thank the person of Pastor Ameir Miller for truning my life around and for also helping me believe that there are few real online lenders . My family had a financial stress in june 2017 and due to the bad credit score that i had at that time i could not get anyting done as i was under a serious attack and threat from those that i owe monies . my brother was ill and it was a kidney complication that demanded a replacement of a new kidney which therefore made us began to look for monies all round the internet and inlcuding a few friends that helped but was not enough for the surgery . we got hooked with a couple of loan agencies online because the monies we had was not going to be enough for the surgery and we didntknow that we were on our way to been scammed the monies we had already , we were asked to pay several fees upon fees to several locations of the world which look suspecious but due to our dseiration to get my brother's surgery organised we overlooked everything and began to pay and this whole payment got to about $7000 without any success of getting this loan funds . we lost hope as my brother was just on dialysis weekly with so much monies spent to sustain him on that aspect , we lost all hope abd found out that they were scammers .i was crying close to my bro on his hpsital bed when a nurse asked what was happening and i explained all that we went though and he stated that he do understand but he could refer us to a certain loan ageny called the AMEIR MILLER LOAN AGENCY as he also got a loan from them some months ago for buisness purpose , i was scared but due to his assurance and guarantee we applied and immediately we were informed about the neccsary followup after which we got our loan funds in less than 48 hours . all thanks to the AMEIR MILLER LOAN AGENCY for this that you have done as my brother's suergery has been conluded and we still have some cash to start up our lives . you can reach them on ameirmillerclassicloaninstitute@yahoo.com them , ameirmillerapprovedloans@usa.com ,or perhaps : theameirmillerfinancialoffice@gmail.com

    ReplyDelete



  140. TRUSTING PEOPLE SOMETIMES IS GOOD NO MATTER YOUR BAD POAST EXPERIENCE .
    Hi ,My name is Davies and i wanna specially thank the person of Pastor Ameir Miller for truning my life around and for also helping me believe that there are few real online lenders . My family had a financial stress in june 2017 and due to the bad credit score that i had at that time i could not get anyting done as i was under a serious attack and threat from those that i owe monies . my brother was ill and it was a kidney complication that demanded a replacement of a new kidney which therefore made us began to look for monies all round the internet and inlcuding a few friends that helped but was not enough for the surgery . we got hooked with a couple of loan agencies online because the monies we had was not going to be enough for the surgery and we didntknow that we were on our way to been scammed the monies we had already , we were asked to pay several fees upon fees to several locations of the world which look suspecious but due to our dseiration to get my brother's surgery organised we overlooked everything and began to pay and this whole payment got to about $7000 without any success of getting this loan funds . we lost hope as my brother was just on dialysis weekly with so much monies spent to sustain him on that aspect , we lost all hope abd found out that they were scammers .i was crying close to my bro on his hpsital bed when a nurse asked what was happening and i explained all that we went though and he stated that he do understand but he could refer us to a certain loan ageny called the AMEIR MILLER LOAN AGENCY as he also got a loan from them some months ago for buisness purpose , i was scared but due to his assurance and guarantee we applied and immediately we were informed about the neccsary followup after which we got our loan funds in less than 48 hours . all thanks to the AMEIR MILLER LOAN AGENCY for this that you have done as my brother's suergery has been conluded and we still have some cash to start up our lives . you can reach them on ameirmillerclassicloaninstitute@yahoo.com them , ameirmillerapprovedloans@usa.com ,or perhaps : theameirmillerfinancialoffice@gmail.com

    ReplyDelete


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

    ReplyDelete


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

    ReplyDelete
  143. Hello Everybody, here comes an Affordable Loan Offer that will change your life forever, TESTIMONY ON HOW I GOT A LOAN TO CHANGE THE BROKE LIFE OF MY FAMILY My name is Mrs Clency Dexter. I live in USA Florida and am a happy woman today? I told myself that any Loan Lender that could change my Broke Life and that of my family, I will refer any person looking for loan to Them. They gave happiness to me and my family, I was in need of a $ 250,000.00 loan to start my life all over as a widow with 3 kids I meant this honest and GOD fearing loan loan company online that helped me with a $ 250,000.00 loan Dollar, They are indeed GOD fearing People, working with a reputable loan company. If you are in need of a loan and you are 100% sure to pay back the loan please contact them and please tell them that Mrs, Clency referred you to them. contact via E_mail:
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    ReplyDelete
  144. 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

    ReplyDelete
  145. 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

    ReplyDelete
  146. 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:
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    - 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

    ReplyDelete
  147. 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? Abigail Mills 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:

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    Email: abigailmills.loans227@gmail.com

    Regards,
    Mrs Abigail Mills

    ReplyDelete
  148. 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

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

    Once again i remain Maksims Odincovs

    ReplyDelete
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  187. DO YOU NEED AN AFFORDABLE LOAN TODAY?

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    Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Jayden Martin Home Loans is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (jaydenmartinhomeloans@gmail.com) Phone: +1 (929)277-5237

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    * 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, 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 (jaydenmartinhomeloans@gmail.com) Phone: +1 (929)277-5237

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    ReplyDelete
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