Credit card debt in Singapore ballooningTaken from The Straits Times, 27th Feb 2009
SINGAPORE, Feb 26 — Credit card debt in Singapore hit an estimated S$3.4 billion (RM8.2 billion) last December, the highest for that month in 20 years. More people have also sought help in settling their outstanding bills.
Going by figures from the Monetary Authority of Singapore, the number of credit cards rose 11 per cent in the last year, but rollover balances jumped more than 13 per cent.
Rollover balances, which are the unpaid amounts that are subject to interest charges, have been climbing steadily since 2006.
Also up: The proportion of card holders with bills unpaid 30 days past the due date. It rose from 1.38 per cent last July to 1.67 per cent in December.
All this has made for a busier time for Credit Counselling Singapore (CCS), a non-profit organisation which helps debtors work out instalment plans to pay off their debts.
It said it handled a third more cases in the second half of last year than in the first half — 415 counselling appointments in the second half of the year, up from 299 in the first half.
Talks on credit management organised by CCS also started drawing bigger audiences — 1,254 in the second half of the year, against 929 in the first half.
Who is the typical debtor? That person is likely to be male and aged between 35 and 44, said the Credit Bureau (Singapore), which collects credit-related information and supplies this to credit providers such as banks.
The profile pieced together by the bureau is of a person likely to have defaulted on bill payments and, as a result, has had a credit account with an outstanding balance closed in the last six months.
CCS assistant director Tan Huey Min cited some possible reasons for the rise in number of debtors seeking help.
One of these is increased awareness that such programmes are available. Another is that the banks may be turning up the heat on debtors and making people “realise that they need to do something”.
She added: “Debtors or their family members may also be affected by job losses, so cash flow may have become a problem.”
A CCS client, Susan Ng, said she was already on a debt repayment plan when she lost her job late last year. The 30-year-old, who was an accounts manager, returned to CCS for help in deferring her repayments. She still owes four banks S$60,000.
The CCS secured for her deferments on her repayments till the end of this month, but she may need more time as she is still jobless. She said that if an extension is not possible, she will have to declare herself a bankrupt “as a last resort”.
CCS president Kuo How Nam said that the spike in card spending last December to a new high of S$2.438 billion “could translate into higher rollover debt over the next couple of months”.
Lim Cheng Boon, CCS' head counsellor, said the easy availability of credit puts people in a “state of denial” — even among those who know they are spending more than they should.
He said of the high earners used to a lavish lifestyle: “When their income changes, for example, when they take a pay cut, they are not prepared to make the changes in their lifestyle, and hope the situation will improve — which rarely happens.”
I'm not really a fan of credit cards if you ask me. So far, I have been using debit cards and there are a couple of reasons why I do so. First of all, I prefer to spend only on what I have. If I have $100, than I will just spend this $100. Period. Besides this, I don't like the feeling of owing money to the bank but I guess this is personal. The most important reason is that the interest rate that banks charge on unpaid credit card bills can easily hit 20% per annum and that is simply exorbitant. If you can achieve a 20% per annum gains on your investment, you can double your capital in around 3.5 years time and a 20% return yearly is considered to be very respectable already. If the interest rate that bank charge on unpaid credit card bills is around 5%, I actually don't mind using it.
However, credit cards are not necessarily evil as the most important factor is the person who will be using the credit card. If one can discipline himself by paying off his credit card bills in timely, it is not an issue actually.
Posts
Well, credit cards are superior to debit cards with discounts and rebates from many retail stores. You have to be mindful of your spending of course and not overspend.
ReplyDeleteWhat is disturbing is the lowering of the annual income to $20k for eligibility of credit cards. Many financially unsavvy pple may take on a debt they will find difficult to clear.
Yeah, Credit cards are not that "evil" after all. It depends on who's using it.
ReplyDeleteCredit cards give you discounts and rewards at various shops. So let's say you have a constant spending at a particular shop, why not take up a credit card that has a discount to it? You're saving in a way.
The key is to FULLY pay off your bills BEFORE the DUE DATE. Then, you will not be bothered by those high interest rates. You will be paying what you are using. Best is to set it up on automatic payment to make sure you pay the banks what you owed.
JTYS
Hi bbqchickenwings,
ReplyDeleteThat is very disturbing indeed. From the point of banks, it would mean that they have a larger market base to target now and that also means that they can earn more profits. I can't imagine how those people earning around 20k, will be able to service their debt if they are not prudent in handling their credit card bills.
Kay
Hi JTYS,
ReplyDeleteI guess the problem really lies with me. I can't really explain it but I just don't like the idea of paying for stuff without using my money and buying it on credit. Perhaps it's due to my upbringing. Credit cards can help us save a bit through the discounts at shops and restaurants and giving back rebates when we shop indeed.
Kay
Hi,
ReplyDeleteThink the $20,000 min income does not apply to credit cards.
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Hi SGDividends,
ReplyDeleteThanks for the information. Well, I think that even if it applies to unsecured loans, it is still a bad idea for those who are not financially prudent.
Kay
Hi, just chanced upon your website. I have to say that credit cards are not evil, it's just a double-edged sword, so it really depends on who is handling it. Like the other readers have said, it all boils down to financial discipline.
ReplyDeleteI myself hold 15 credit cards - mainly for the convenience of payment, but also for discounts and freebies which come with the approval of the cards. I've never owed a single cent to the issuing banks on all my credit cards, and I've never paid a single cent in annual fees in the last 10 years. I am just an old fashioned girl who spends within her means.
Great website by the way, will be following regularly.
Cheers.
Hi,
ReplyDeleteI agree with you. It all boils down to financial discipline. I am rather surprised by the number of credit cards you hold though. You must enjoying a lot of the freebies and discounts that comes with it and that is a good deal indeed. Maybe it's time for me to get a credit card then.
Kay
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If you need a genuine and reliable loan help,and don’t want to be a scam victim,I think this is for you.This is a testimony on how,I was ripped off by some idiot that calls themselves lenders,and how I finally got my financial freedom through a God sent helper that finally gave my life a meaning,with the least cheapest rates as to 2% interest and little TOKEN other requirements and they don’t give a damn to your credit score…For more info on how to reach this great man just email him now and tell him that Oscar Max testify about him on the internet his email address is:testimony.goodwill.loan@gmail.com
ReplyDeleteHello
Apply for a quick and convenient loan to pay off bills and to start a new financing your projects at a cheapest interest rate of 3%. Do contact us today via: testimony.goodwill.loan@gmail.com with loan amount needed as our minimum loan offer is 1,000.00 to any choice of loan amount . I am certified ,registered and legit
lender . You can contact me today if you are interested in getting this loan, contact me for more information about the loan process, process like the loan terms and
conditions and how the loan will be transferred to you. I need your urgent response if you are interested.
LOAN APPLICATION FORM
(1)Full Names:
(2)Amount Needed as Loan:
(3)Phone Number:
(4)Duration:
(5)Country:
(6)State/Province:
(7)Monthly Income:
(8)Marital Status:
(9)Have you applied before:
(10)Loan Purpose:
NOTE:All Responses should be forwarded to: testimony.goodwill.loan@gmail.com for quick processing.
Thank You,
Testimony Goodwill
Dear Valued Customers,
ReplyDeleteDo you need a loan or funding for any of the following reasons? XMAS loan, Personal Loan, Business Start-up or Expansion, Education, Debt Consolidation, Hard Money
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afford. This gives you a real chance to get the funds you need!. Do contact us today via our official Email: testimony.goodwill.loan@gmail.com providing us with the
following info;
Name:
Contact Address/country:
Mobile Telephone Number:
Occupation:
Loan Amount:
Loan Duration:
Best Regards.
Swift Valued Finance Team
Good day.
ReplyDeleteI can’t hide this great testimony that took place in my life i will love everyone to know it and be partaker that is why i want to share it to the whole world by placing this advert on classifieds, I am Mrs Kate Loore by name, I live in Chattanooga, Tennessee United State, I want to thank Testimony Goodwill for his kindness upon my family life, I never knew that there is still a sincere and trustworthy lender like this on the internet and on earth. Just some days i was in search for a loan of $ 100,000.00 Dollars, As I was running out of money for feeding, School fees, My business was really going out of capital and my rent. I was scammed about $15,000 Dollars and I decided not to involve my self in such business again. But a Friend of mine introduced me to a loan firm due to my appearance and doings and also my complains to her. And I told her that I am not interested in any loan deal anymore but she told me that there is still a sincere lender who she will recommend me to, And she gave me the details of this man who is called TESTIMONY GOODWIL. And i really put a trial and i am most grateful and lucky today, I was given a loan amount of $95,000,00 Dollars by this great firm CALLED MR TESTIMONY GOODWILL. If you are in need of a genuine, Sincere, durable and a truth worthy loan lender or financial assistance and also you know you can be reliable and trusted, capable of paying back at the due / duration time of the funds I will advice you to send your contact to them via email on : testimony.goodwill.loan@gmail.com . And you will be free from scams on the internet. My lovely wife extend her greetings to you also if not for you I can't imagine the way life should be for my family today. Please I am begging everyone on earth to help me thank Mr Testimony Goodwill. And I will always being sharing this great surprise and testimony that happened in my life everyday to all that need loans. Again there contact email is as follows: testimony.goodwill.loan@gmail.com .. CONTACT THEM NOW VIA EMAIL FOR LOAN:testimony.goodwill.loan@gmail.com AS THEY ARE EFFICIENT,DYNAMIC AND RELIABLE...
$READ MY STORY ON HOW I BECAME DEBT FREE WITH TIPS OF DETECTING A LOAN SCAM ON-LINE !!$$$$$
ReplyDeleteAttention To The World,
If you need a genuine and reliable loan help,and don’t want to be a scam victim,I think this is for you.This is a testimony on how,I was ripped off by some idiot that calls themselves lenders,and how I finally got my financial freedom through a God sent helper that finally gave my life a meaning,with the least cheapest rates as to 2% interest and little TOKEN other requirements and they don’t give a damn to your credit score…For more info on how to reach this great man just email him now and tell him that Oscar Max testify about him on the internet his email address is:testimony.goodwill.loan@gmail.com
I am CAHYA GOUTAM an i live in UK. I wanted a loan badly to start a
ReplyDeletebusiness of my own because I realize working for other people makes the
owner of the business richer, I came across a post on a site were i can get
a loan without any collateral or credit card. To cut the long story short i
applied for the loan and i the company was able to give me a loan of
$50,000 to start my business and now my business is growing well and have
been able to pay half of the loan within the space of 2 years. My friends i
decided to share this testimony with everyone if you want any type of loan
please contact JULIA NAVARO at navaroloancompany@yahoo.com, am very
positive he will be willing to help.
Are you looking for Finance?
ReplyDeleteAre you looking for Money to enlarge your business?
I think you have come to the right place.
We offer Cash at low interest rate.
Interested people should please contact us on
For immediate response to your application, Kindly
reply to this emails below only. diskanke@hotmail.com
Mr Mohamend Kanke
+919910621088
ds.kanke@gmail.com
ReplyDeleteBe careful here. Nobody can help you here or even suggest how you can get financial help. Any answer of a loan lender to your question, you MUST ignore,because they are SCAMS…real SCAMS…i was a victim of which i was ripped thousands of dollars…well thank God for a Christian sister who referred me to a loan organization formed by some Christian Women Trust Fund. it is called Christian women Trust-funds Cooperative Organization (C.W.T.C.O) christainwomen.trustloanfirm@gmail.com They made my life a valuable one and gave it a meaning. When the sister gave me their contact, I contacted them. Then I requested for a loan with all the necessary evidence to prove that I actually needed a loan, they approved a loan of $250,000.00 USD in 48 hours after meeting up to their necessary requirements, my loan was deposited in my bank account without collateral. Though i was very nervous with the loan organization at first due to my previous bad experiences, especially when the issue of me settling the Registration charges came up, I hold on to my faith due to the fact that my relative referred me, got it cleared,and as God should have it, little did I know that my financial shortcomings has come to a final end. If not for that quick referral from a christian sister to this genuine source ,I would have regretted my total life,because at that point in time i just divorced the father of my son, and my son (Kennett) was faced with a life and death situation. I was faced with his hospital bills and i was also faced with foreclosure at my apartment. Details of this GOD-SENT organization won’t be disclose for now for fear of impersonation ( because it has been discovered that some persons are not really in need of financial help, but they just want to collect money from this genuine christian loan organization). And it is because of this reason they don,t give out loan anyhow. You must be able to convince them very well, and provide good proofs to show that you really need a loan before they can approve it for you. Their charge is very affordable and reliable compare to many out there,their interest rates is just 4%, from 1-10years repayment little documentation,and little credit check. As i have earlier said, for security reasons i can only provide their email address. Embrace this new initiative.Feel free to contact them via Email(christainwomen.trustloanfirm@gmail.com) as their loan officer/rep sir perry smith will attend to you and you will be free from scams and financial burdens.
Do you need loan or financing? Access is issuing investment and soft loans to multinational investors to improve the global economy worldwide. interested investors and loan seekers should contact this post for more details. ghalibsolution@gmail.com
ReplyDeleteDo you need 100% Finance? I can service your financial need with less pay back problem that is why we fund you for just 3%. Whatever your circumstances, self employed, retired, have a poor credit rating, we could help. Flexible repayment over 3 to 20 years.Contact us at:mikeloanfirm23@gmail.com
ReplyDelete1.NAME..........
2.SEX..........
3.AGE..........
4.CONTACT..........
5.COUNTRY..........
6.PHONE..........
7.AMOUNT NEEDED..........
8.LOAN DURATION:.........
9.PURPOSE OF LOAN..........
10.OCCUPATION..........
11.GENDER..........
12.YOUR MONTHLY INCOME..........
13.MODE OF REPAYMENT:..........
EMAIL US NOW AT:mikeloanfirm23@gmail.com
Best Regards,
Mr Mike Williams
We offer financial service of any reason,finance to start business,paying of bills all kind of financial assistance kindly email us and received cash to solve your financial problem,email musaddiqloanlending@gmail.com
ReplyDeleteAre you in search of a reputable lender, tired of being rejected banks and mortgage, are you tired of looking for funding for your business, or you are financially embarrassed that you can not repay your debts and bills, hurry up and grab a guaranteed unsecured mortgage Today, contact us by email. musaddiqloanlending@gmail.com
ReplyDeleteDo you need an urgent loan we offer worldwide loan to who in need of loan the business opportunity you having being looking for is here again. email us now at: Email diskanke@hotmail.com
ReplyDeleteLOAN APPLICATION FORM
1) Full Name:
2) Gender:
3) Loan Amount Needed:.
4) Loan Duration:
5) Country:
6) Home Address:
7) Mobile Number:
8)Monthly Income:
9)Occupation:
)Which did you here about us.
Best Regards.
Email us now at: ds.kanke@gmail.com
Hello everyone am here to testify how i got my loan from Mr Akisu. after i applied several times from various loan lenders who claimed to also testify right in this forum,i thought the testimonies where real and i applied but they never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders who promised to help but they never gave me the loan.Until a friend of mine introduce me to Mr Akisu. who promised to help me and indeed he did as he promised without any form of delay.I never thought there are still reliable loan lenders until i met Mr.Akisu,who are indeed helped with the loan and changed my belief.I don't know if you are in any way in need of a genuine and urgent loan,free feel to contact Mr.Akisu via his email{Akisuloancompany@gmail.com} Thank you may God bless you
ReplyDeleteHello Everybody,
ReplyDeleteMy name is Mrs Anita. I live in UK London 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 U.S. 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 Anita, that refer you to him. contact Mr.Robert,via email:(robertfinancial_loancompany@yahoo.com)Thank you
Testimony On How My Life was Transform through the help of a Godsent Lender.. Hello everyone, I am Kathie Roper by name, am writing this Testimony because am really grateful for what Mason Diego did for me and my family, when I thought there was no hope he came and make my family feel alive again by lending us loan at a very low interest rate of 3%. Well I have been searching for a loan to settle my debts for the past three months all I met scammed and took my money until I finally met a God sent Lender. I never thought that there are still genuine loan lenders on the internet but to my greatest surprise i got my loan without wasting much time so if you are out there looking for a loan of any amount i would advise you to email Dr Purva Pius via email:(urgentloan22@gmail.com) and be free of internet scams. thanks... Kathie Roper from California, USA.
ReplyDeleteHello, I am Malissa Delh, currently living in New jersey city, USA. I am a widow at the moment with three kids and i was stuck in a financial situation in April 2014 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit. But as God would have it, I was introduced to a Man of God a private loan lender who gave me a loan of $85,000USD and today am a business owner and my kids are doing well at the moment, if you must contact any firm with reference to securing a loan without collateral , no credit check, no co signer with just 3% interest rate and better repayment plans and schedule, please contact Mr James Lewis. He doesn’t know that am doing this but am so happy now and i decided to let people know more about him and also i want God to bless him more.You can contact him through his email: amacoloancompany@gmail.com
ReplyDeleteAre you a business man or woman? Are you in a financial mess or do You need funds to start your own business? Need to pay loans Their Debt or pay off your bills or start a nice business? Do you have a low credit score and you will find it hard to get Capital loan from local banks / other financial institutions? You need one Loan or funding for any reason such as:Email: ds.kanke@gmail.com
ReplyDelete1. Name Of Applicant in Full:…….
2. Telephone Numbers:……….
3. Address and Location:…….
4. Amount in request……….
5. Repayment Period:……….
6. Purpose Of Loan:………….
7. occupation:……………….
8. country………………….
9. age/sex:……………….
10 phone:………………….
We offer loan at low interest rate of 3% and with collateral and not Collateral, we offer personal loans, debt consolidation loans, venture capital Capital, business loan, education loan, mortgage or Loans for any reason".
However, our method offers the possibility to specify the amount of the loan needed and also the duration you can afford it, gives you a real Chance get the funds you need!
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Loan Company For Bad Credit
ReplyDeleteA bad credit history shouldn't deter you from reaching out to a loan company if you are need of fast approval for a cash loan. Securing a fast cash loan when you have bad credit isn't out of the question if you know who to turn to when financial times are tight. With so many consumer finance companies from which to choose from, make sure you choose a lender that has an established reputation. At Citizens Savings & Loan, we have been in the business of making loans to individuals of doing business, we have worked with a myriad of personal financial needs and have helped countless individuals reach their financial goals. contact us: ( sbifinancelive@hotmail.com )
Personal Loans with Flexible Payment Plans
ReplyDeleteThe urgent need of the hour is to select the right company suiting your requirements that too at competent rates. Who will bear the burden of personal loan interest rates that nearly makes a hole in your pocket? You can opt for a secured or an unsecured personal loan, totally depending on the credit history or the practice of the company. contact us today via email: ( smartersolution247@gmail.com )
Guaranteed Payday Loans in 30 Mins
ReplyDeleteAre you in need of some quick cash? Then you might want to try getting payday loans in just one hour. That is arguably the fastest way that you can get some cash. Just as long as you meet the requirements of the companies that give them out, then you should get the money that you need. Do not be too worried about the requirements. of those who file an application get approval. contact us today via email: ( smartersolution247@gmail.com )
if you need a loan or financial assistance of any kind, contact me now with my email address :luckycreditfinance@gmail.com
ReplyDeleteYour problem of getting a loan will be solved, we offer short,medium and long term loans, contact us now and get your loan.
await your response.
contact us on email with :luckycreditfinance@gmail.com
We offer private loans, commercial Business and Personal loan, with a minimum annual interest rate of 3% for the period from 1 year to 15 years of maturity anywhere in the world. We give out loans ranging from $ 10,000 to $ 100,000,000 dollars in euros or sterling. Our loans are well insured for maximum security. interested persons reply to email (urgentloan22@gmail.com)
ReplyDeleteif you need a loan of any kind, whether long term, short term or medium term loan, contact me now via email with luckycreditfinance@gmail.com ,if you need financial assistance, contact me and i will help you out.
ReplyDeleteTESTIMONY ON HOW I WAS RESCUED BY A GOD-SENT LENDER..
ReplyDeleteHello everyone, am writing this Testimony because am really grateful for what Mason Diego did for me and my family, when I thought there was no hope he came and make my family feel alive again by lending us loan at a very low interest rate of 2%. Well I have been searching for a loan to settle my debts for the past three months all I met scammed and took my money until I finally met a God sent Lender. I never thought that there are still genuine loan lenders on the internet but to my greatest surprise i got my loan without wasting much time so if you are out there looking for a loan of any amount i would advise you to email Mr Diego via: { diegoloancompany@yahoo.com } and be free of internet scams. thanks... Kathie Roper from California, USA.
Good day Loan Seekers Solution for your financial problems......
ReplyDeleteWe are a fully registered and certified loan firm, that offers secured and unsecured loans to individuals and companies at a very low interest rate of 2%. We offer long and short term loans.Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.We are a group of energetic and experienced loan professionals with thorough knowledge of financial markets.In general we offer mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans construction loans car loans, hotel loans Xmas loans Our interest rate is 2% per annual repaid, our loan takes a maximum of 3 working days,to get to all approved customers across the globe.You can contact us via elvinloancompany@yahoo.com
PERSONAL LOAN @ 3 % INTEREST RATE OFFER TO LOAN SEEKERS APPLY NOW
ReplyDeleteDo you need an urgent loan we offer worldwide loan to who in need of loan the business opportunity you having being looking for is here again. email us now at: mrwilliam751@gmail.com
LOAN APPLICATION FORM
1) Full Name:
2) Gender:
3) Loan Amount Needed:.
4) Loan Duration:
5) Country:
6) Home Address:
7) Mobile Number:
8)Monthly Income:
9)Occupation:
)Which did you here about us.
Best Regards.
ReplyDeleteHello, Do you need a loan from The most trusted and reliable company
in the world? if yes then contact us now for we offer loan to all
categories of seekers be it companies or for staff usage. We offer
loan at 3% interest rate, Contact us via email:
mohanmendcompany01@gmail.com
(1) Full Name
(2) Full Address
(3) Country
(4) Age
(5) Occupation
(6) Tell phone number
(7) Sex:
(8) Loan Amount needed:
(9) Loan Duration
Email us at: mohanmendcompany01@gmail.com
I am Russell Thomas currently living in USA. I am married with two kids and i was struck in a financial situation and i needed to re-finance and started my own business. I tried seeking loans from various loan firms both private and corporate but never with a GOD son success and most banks denied my credit. But as God would have it, i was introduced to a private loan lender by my friend (Alan Lewis ) and i got a loan sum of (130,000.00USD) and today am a business owner and my kids are doing well. So dear, if you must contact any firm or company with reference to securing a loan with low interest rate of 3%, do contact (Paul McCann) (live.invstmntltd@live.com) am so happy now and i decided to let people know more about him, he offers all kinds of loans to both individuals and company and also i want God to bless him more. You can contact his company through this email (live.invstmntltd@live.com)
ReplyDeleteHOW I GET A LEGIT LOAN @ 2% INTEREST RATE
ReplyDeleteI am a mum of three little kids. When i could not face my Debt any more, my son was on hospital bed for surgery that involve huge money and i also needed some money to refinance and get a good home then i have to seeks for Assistance from friends and when there was no hope any more i decide to go online to seek a loan and i find MARIA HAUSTIN Loan company (mariahaustin@hotmail.com) with 2% interest Rate and applied immediately with my details as directed. Within seven Days of my application She wired my loan amount with No hidden charges and i could take care of my son medical bills, Renew my rent bill and pay off my debt. I will advice every loan seeker to contact MARIA HAUSTIN Company with mariahaustin@hotmail.com For easy and safe transaction.
*Full Name:_________
*Address:_________
*Tell:_________
*loan amount:_________
*Loan duration:_________
*Country:_________
*Purpose of loan:_________
*Monthly Income:__________
*Occupation__________
*Next of kins :_________
*Email :_________
Contact her company Via Email: mariahaustin@hotmail.com
ReplyDeleteDo you need an urgent loan to finance your business or in any purpose? We are certified and legitimate and international licensed loan lender We offer loans to Business firms, companies and individuals at an affordable interest rate of 2% E-mail us in this particular E-mail
ptlender01@gmail.com) with the borrower details.
Loan Application Form Needed:
Full Name:
Age:
Sex:
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State:
Occupation;
Phone number:
Loan Amount Needed:
Loan Duration:
Monthly income:
Have you applied for a loan before?:
Apply for a quick and convenient loan to pay off bills and to start a new financing your projects at a cheapest interest rate of 3%. Do contact us today via: elijahloanfirm@outlook.com with loan amount needed as our minimum loan offer is 1,000.00 to any choice of loan amount . I am certified ,registered and legit lender . You can contact me today if you are interested in getting this loan, contact me for more information about the loan process, process like the loan terms and conditions and how the loan will be transferred to you. I need your urgent response if you are interested.
ReplyDeleteWe offer the right solution to your financial needs.We stand apart from other lenders because we believe in customer service,and we stay with you until you get the results you want.In general we offer home loans,car loans,hotel loans, commercial loans,business loans,e.t.c, at lower interest rate of 3%. Contact us (williamsmrowen@gmail.com)
ReplyDeleteHello ladies and gentlemen, young and old, if you have problems that money can solve,or you need an urgent loan, you don't have to worry anymore okay, all you have to do is to contact us now via email as luckycreditfinance@gmail.com
ReplyDeleteso that we can help you out okay.....
welcome we love you...
regards
Mr Lucky
To Whom It May Concern,
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We are direct lenders and into 100% International Project Financing and we are currently looking for project Loan seekers and agents/broker to work with us, we shall be very glad to work with you as our loan broker or agent in your country and to fund your project. FOR MORE INQUIRY CONTACT US VIA THE FOLLOWING E-MAIL: loans@holdpropfinancialinvestment.com
Tel +447087629692
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Mrs. Mary Brown
Online Advertising Agent
Holdprop Financial Investment Ltd
24 hours Online Customer care Skype id : financing2
ReplyDeleteAre you a business man or woman? Are you in a financial mess or do You need funds to start your own business? Need to pay loans Their Debt or pay off your bills or start a nice business? Do you have a low credit score and you will find it hard to get Capital loan from local banks / other financial institutions? You need one Loan or funding for any reason such as:Email: ptlenders@yahoo.com
*Personal Loans
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We offer loan at low interest rate of 3% and with collateral and not Collateral, we offer personal loans, debt consolidation loans, venture capital Capital, business loan, education loan, mortgage or Loans for any reason".
However, our method offers the possibility to specify the amount of the loan needed and also the duration you can afford it, gives you a real Chance get the funds you need!
Contact us via E-mail: ptlenders@yahoo.com
Bacon Tasha Elizabeth®
I’m Christina Mills by name. I live in USA, i want to use this medium to alert all loan seekers to be very careful because there are scammers everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Mr. Peter Jackson who lend me an unsecured loan of $85,000 under 2hours without any stress. If you are in need of any kind of loan just contact him now via: peterjacksonloan@gmail.com I‘m using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I don’t wish evenr my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Mr. Peter Jackson, i pray that God should give him long life.
ReplyDeleteGod bless him forever.
Christina Mills
Testimony on how i got my loan
DIRECT SERVICE ONLINE FIRM
ReplyDeleteHEAD OFFICE---Richmond Road,Worthing, United Kingdom
EMAIL--[directserviceonlinefirm@gmail.com]
---------------------------------------------------------------------------
We give out loans from the range of $1,000 to $90,000,000.at an interest
of 2% Interest rate.
Interested clients should please fill our form below-
NAME--------------
COUNTRY-----------
ADDRESS--------------
AMOUNT OF LOAN NEEDED-------
PURPOSE OF LOAN ------------
SCAN AND ATTACH YOUR IDENTITY CARD--
OFFICE/HOME PHONE NUMBER-----------
GENDER---------------------------
Our company mailing contact box is
via- [directserviceonlinefirm@gmail.com]
ROSE WILLIAMS
EMAIL--[directserviceonlinefirm@gmail.com]
DIRECT SERVICE ONLINE FIRM
Are you in search of a legit loan?Tired of Seeking Loans and Mortgages? Have you been turned down by your banks ?Have you also been scammed once?Then your financial trauma is over We Offer LOANS from $1,000.00 Min.to $10,000,000.00 Max.at 3% interest rate.We are certified and trustworthy. we can help you with financial assistance. if interested do get back to us via email: infocustomerservice6@gmail.com with this information:Applicant name,Full address,Phone number,Amount needed,Duration and method of delivery(Bank or Check).
ReplyDeletePlease Note: All replies should be forwarded to the Company's mail: infocustomerservice6@gmail.com
DIRECT SERVICE ONLINE FIRM
ReplyDeleteHEAD OFFICE---Richmond Road,Worthing, United Kingdom
EMAIL--[directserviceonlinefirm@gmail.com]
---------------------------------------------------------------------------
We give out loans from the range of $1,000 to $90,000,000.at an interest
of 2% Interest rate.
Interested clients should please fill our form below-
NAME--------------
COUNTRY-----------
ADDRESS--------------
AMOUNT OF LOAN NEEDED-------
PURPOSE OF LOAN ------------
SCAN AND ATTACH YOUR IDENTITY CARD--
OFFICE/HOME PHONE NUMBER-----------
GENDER---------------------------
Our company mailing contact box is
via- [directserviceonlinefirm@gmail.com]
ROSE WILLIAMS
EMAIL--[directserviceonlinefirm@gmail.com]
DIRECT SERVICE ONLINE FIRM
DIRECT SERVICE ONLINE FIRM
ReplyDeleteHEAD OFFICE---Richmond Road,Worthing, United Kingdom
EMAIL--[directserviceonlinefirm@gmail.com]
---------------------------------------------------------------------------
We give out loans from the range of $1,000 to $90,000,000.at an interest
of 2% Interest rate.
Interested clients should please fill our form below-
NAME--------------
COUNTRY-----------
ADDRESS--------------
AMOUNT OF LOAN NEEDED-------
PURPOSE OF LOAN ------------
SCAN AND ATTACH YOUR IDENTITY CARD--
OFFICE/HOME PHONE NUMBER-----------
GENDER---------------------------
Our company mailing contact box is
via- [directserviceonlinefirm@gmail.com]
ROSE WILLIAMS
EMAIL--[directserviceonlinefirm@gmail.com]
DIRECT SERVICE ONLINE FIRM
Are you a business man or woman? Are you in a financial mess or do You need funds to start your own business? Need to pay loans Their Debt or pay off your bills or start a nice business? Do you have a low credit score and you will find it hard to get Capital loan from local banks / other financial institutions? You need one Loan or funding for any reason such as:Email: ds.kanke@gmail.com
ReplyDelete1. Name Of Applicant in Full:…….
2. Telephone Numbers:……….
3. Address and Location:…….
4. Amount in request……….
5. Repayment Period:……….
6. Purpose Of Loan:………….
7. occupation:……………….
8. country………………….
9. age/sex:……………….
10 phone:………………….
Email us at: ds.kanke@gmail.com
Hello, Do you need a loan from The most trusted and reliable company
ReplyDeletein the world? if yes then contact us now for we offer loan to all
categories of seekers be it companies or for staff usage. We offer
loan at 3% interest rate, Contact us via email: indiabullsfinancefirm@gmail.com
(1) Full Name
(2) Full Address
(3) Country
(4) Age
(5) Occupation
(6) Tell phone number
(7) Sex:
(8) Loan Amount needed:
(9) Loan Duration
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I’m Ketesha Mills by name. I live in United States, i want to use this medium to alert all loan seekers to be very careful because there are scammers everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Mr. Peter Jackson who lend me an unsecured loan of $85,000 under 2hours without any stress. If you are in need of any kind of loan just contact him now via: peterjacksonloan@gmail.com I‘m using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I don’t wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Mr. Peter Jackson, i pray that God should give him long life.
ReplyDeleteGod bless him forever.
Ketesha Mills
Testimony on how i got my loan
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LOAN APPLICATION
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Your address *
Your City *
State / Province *
country *
Sex *
Date of birth *
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