Balkinization  

Wednesday, October 19, 2011

A Proposal for Imposing Fiscal Restraint on Law Schools

Brian Tamanaha

Law school tuition has increased at an unrestrained rate in recent years, with a handful of schools now above $50,000 per year, and more poised to follow. As long as students are willing and able to pay what law schools charge, it appears that little can stop this.

Setting aside the question of willingness to pay, in this post I will focus on ability to pay. Ninety percent of law students borrow to finance their legal education. Thus an increase in tuition is directly correlated with an increase in debt. The primary source of loans is the federal government (Stafford and Graduate Plus loans). Previously, the government guaranteed student loans made by private lenders, but now it loans the money directly to students.

When lending the money, the government makes no evaluation of whether the borrower is likely to repay the loan. A private lender would soon go out of business if it operated this way, but in the student loan context this policy is justified as providing "access to the poor." Thus a student who borrows to attend Cooley or Thomas Jefferson gets the same treatment as a student who borrows to attend Harvard Law School, notwithstanding the fact that a far greater proportion of the former will not repay the loan.

It is not obvious that this policy is actually beneficial to the people it purports to help, since many of them end up burdened with massive debt and scant economic opportunities (average law school debt is nearly $100,000). Linking eligibility for loans to likelihood of repayment would close the money spigot to schools that produce questionable results for their students. But it's hard to argue against providing access, especially since law school is increasingly the preserve of the wealthy. (Access could be retained while dealing with the most problematic schools by applying loan eligibility requirements to law schools that the DOE now applies to for-profit vocational schools.)

We must ask whether it makes sense at any level that, for example, the 2010 graduating class of Cooley had a total combined debt of $91.4 million, with the federal government on the hook for nearly all of it. That is only one school (with branches). The total debt of 2010 law graduates was $3.6 billion. And that is just one year. A substantial chunk of this money will not be paid back (I will discuss the implications of Income Based Repayment in a future post.)

One possible way to deal with the situation is to set a cap on how much a given student can borrow from the federal government. That would slow tuition increases. But to get additional revenue law schools can take in more students--as they have already been doing--which would add to the difficulty graduates have of finding jobs, and would increase the aggregate total supplied by the government.

Another possible solution is to set an across-the-board per school cap for federal loans: say $45 million per class for all law schools. That's a generous amount of public money to go into the coffers of law schools. A cap imposes the greatest restraint on large law schools (Georgetown, 678 graduating students, had $71 million total debt for the class of 2010.) Schools above or near the limit will be forced to control enrollment as well as tuition. The smaller schools will not be squeezed by the cap but they cannot charge higher tuition than schools above them in the hierarchy (students wouldn't go), so they will indirectly be restrained, although the best schools might be able to size up without lowering the quality of their class.

Along with the cap, there must be no federal guarantee of private loans to attend law school, and any such private loans must be eligible for discharge in bankruptcy (at least going forward). This would put the risk on lenders, which would not loan money to students who are unlikely to repay (at least not without charging prohibitive interest rates).

The main downside of the cap is that schools will place a premium on letting in rich folks who don't need to borrow, and the rich already have too many advantages in the current system. That aside, a hard cap would seem to be viable way to control tuition and enrollment, while still providing access.

Comments:

Why $45 million per class? Where is this number coming from?

Why anything?

Why should the government involve itself at all, especially if it looks as though this is going to turn into a massive waste of taxpayer money.
 

A,

I just picked a number. It could be set higher or lower (including 0). The questions you raise are serious and should be discussed.
 

Simply eliminating Grad PLUS and federally privileged private student loans would do a great deal to help.

Stafford loans top out at $20,500/year (@ 6.8%). Perkins top out at $8,000/year ( @5%) and is already limited by school to only a subset of students. That means that any school that wanted to charge more than $28,500 / year at the most would have to accept students who could: 1) either pay the difference through their own resources or 2) convince a private lender that they are a worth credit risk.

I imagine such lenders will be more than happy to analyze all the factors that go into repayment risk, including school quality, before parting with unsecured loan money.
 

I would like to see schools have "skin in the game," so to speak.

I think it would appropriate for a school to have to pay 5% of the loss if one of their former students default on their federal student loans. For students of multiple schools (transfers, people who go straight to law school with undergrad debt), it would be appropriate to prorate that by what percentage of the money the student borrowed occurred while that student was enrolled at that school.

This can be tweaked further, but it would provide a huge incentive for schools to do better at helping their students attain jobs, and would provide a force for making sure tuition is being well spent.
 

Brian:

The general principles of your plan are extremely sound and would be applied to all universities. Great work.
 

What will be the mechanism for making law schools pay 5% of the loss if one of their former students defaults on a loan? Does it matter why they defaulted?
 

BH:

You can just have the .gov withhold the money in the first place, and then disperse it after the loans are paid off.

The school should be able to sell this future income stream if it so chooses, though obviously at a discount partly dependent on its quality.

Another mechanism would be for the school to act as a guarantor for the 5%. That would put the onus on the servicer (usually the Dept. of Education these days) to seek redress upon default.
 

Here's a "what if" to consider:

If student loans had not expanded over the years, would tuitions have risen so much at both colleges and law schools? Did expanding student loans contribute to tuition rises? Was this a matter of supply and demand or something else?

Student loans benefit parents for obvious reasons. And of course they benefit the student who otherwise would not have been able to afford college or law school; but at what costs? Perhaps in the early years, the costs could be handled by an eventual job permitting repayment. But as tuitions rose and thus student loans, at some point there would be problems, like now.

Let's also consider the impact upon the public, the taxpayers, particularly with respect to law school, of high student loans. For the student to effectively pay back the loan (with interest, of course), a high paying job is necessary. The law firm employer of the young and fortunate lawyer surely would pass on the costs of such a high salary to clients. But this same assessment could apply to a young lawyer in a small firm or solo practice in setting fees that would cover the living expenses of the lawyer, including repayment of student loans (with interest, of course).

Should there be a federal policy that addresses this? Compare the federal tax policies that have subsidized home ownership: mortgage interest paid permits for a federal income deduction; property taxes paid permits for a federal income tax deduction. [There are, of course, other subsidies, but these are the major ones for the homeowner.] The student loan interest paid does not result in a federal tax deduction. And discharging student loans via bankruptcy can be difficult. Apparently the subsidies for student loans are most beneficial to lenders since the loans may be guaranteed by the federal government. So the student borrower can end up "under water" similar to many mortgages today.

These are random thoughts, I realize. But perhaps the underlying issues should be addressed rather than the band-aid approach suggested. As I have noted with earlier comments on this subject, my concern is with the consumer who needs appropriate and affordable legal services.
 

When my father z"l (law '47) and my grandfather z"l (law '14) went to law school it was a program for undergraduates. They entered right after high school. They were awarded an LLB. (bachelor of laws) when they graduated. They were both very fine lawyers.

If we went back to that system, we would save the students as much as $200,000 each.

When I went to law school (law '75), we had classes with upwards of 100 students in them. Those classes were taught by professors who had not published more than a handfull of articles. It certainly helped keep the costs down.

My recommendation would be going back to the undergraduate degree program. Actually, what we should really do is make law a two year program at community colleges. like useful trades such as plumbing. Then it would be affordable for everyone and it would loose the cachet that made it a target for the 1%.
 

I'm hesitant about the idea of a per school cap, since it would tend to eliminate diversity and competition in the marketplace — schools would be encouraged to all be the same size as the top schools, basically, and students would have less choice between different options. I see why per student caps wouldn't work, but what about per faculty?

I think "Fat Man" above also makes a very good suggestion (though it's unrelated to this thread). I'd just add that there is perhaps a social value to the "cache" of the legal profession, insofar as that cache translates into incentives that help enforce valuable professional norms.

Finally, maybe the way to decrease loans without hurting access is to make the cap for a school tied to a FAFSA-like evaluation of the need of its students.
 

Verbal precision is a mark of good lawyering.

cachet: 4. superior status; prestige: The job has a certain cachet.

cache 1. a hiding place, especially one in the ground, for ammunition, food, treasures, etc.
2. anything so hidden.
 

Please excuse the typo. I didn't realize that blog comment threads were in the domain of lawyering. :)
 

There's no need for a cap, and no reason to think that the federal government would be in a good position to determine the appropriate level.

All that's needed is to revert the treatment of private student loans to what it was prior to 2005, on a prospective basis. Private bank loans for law school will dry up immediately, at least for most students at most schools. Then the schools can get into the lending business, or guarantee the portfolio of loans for the classes they put together, or otherwise creatively address the problem that their management decisions have created.

The loan eligibility requirements applicable to for-profit schools should be applicable to law schools to. They are profit centers, aren't they?
 

Under the current system, are loans available only based on need, or are they available to most or all students. If the latter, why?

Do the schools themselves, like their undergraduate counterparts, provide substantial need/merit based scholarship aid?
 

Today's NYTimes (10/25/11) features Clifford Winston's op-ed "Are Law Schools and Bar Exams Necessary?" that may be somewhat of a reaction to high law school tuitions. While this article opens the barn door to potentially provide consumers with lower costs for legal services, there are serious concerns with the quality of such legal services and adequate protections to the consumer for such quality failures. The article is opportunistic on certain failures of law schools that Brian has been addressing. My concern has been and continues to be that the consumer of legal services is entitled to a proper delivery of such services at affordable prices. Winston's proposal does not adequately address this. Perhaps I am too much of an old fogey to comprehend how a virtual deregulation of the practice of law would provide a public benefit. Winston's argument is not new but perhaps law school actions over the years have given the argument new incentive.
 

Yesterday’s (10/29/11) NYTimes Business Day section features on its first page John Eligon’s “Selling Pieces of Law Firms — Outside Investors May Take Some Control From Lawyers” that might add some twists to this post. The photo accompanying the article depicts the legal services offerings of Quality Solicitors at the West London store of the retailer WHSmith.

Is the commodification of legal services the future for the profession (assuming it remains a profession)?
 

Here's something that it occurred to me that I haven't seen in this whole discussion - whether from Prof Tamanaha or Prof Campos - that I would really like to see - what do actual law school budgets look like?

In this post Prof T talks about combined debt per class of in the $90 million ballpark for Cooley and proposed $45 million/class cap.

So, assuming for a moment (and we know this isn't so) that students are funding 100% of their educations through loans, this $45 million cap would give law schools an operating budget of $135 million/year (3 classes in school at any one time).

This seems like an absurdly high number to be spending every year for a law school. My knee-jerk reaction tells me I could run a school with a much lower budget than that. But with the law school being a cash cow for the university, prof salaries, etc, what does the actual breakdown look like?

Prof T, is there any info on this sort of thing that you're able to present? I'd be curious to see it.

Thanks.
 

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EMAIL: [ stpaulcathedralfinance@gmail.com ]
 

ST PAUL CATHEDRAL FINANCE

===============================

This is a Christian Organization formed to help people in need of

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crises. If you are short of cash and in need of financial assistance

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THANKS AND REGARDS

REV JAMES BENJAMIN

EMAIL: [ stpaulcathedralfinance@gmail.com ]
 

ST PAUL CATHEDRAL FINANCE

===============================

This is a Christian Organization formed to help people in need of

help, such as financial help. and help them out of their financial

crises. If you are short of cash and in need of financial assistance

ST PAUL'S CATHEDRAL FINANCE is the best solution.

We make applying and qualifying for a loan quick, easy and painless.

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Do you need a personal loan to secure a home?

OUR. VISION IS TO MEET YOUR FINANCIAL PROBLEMS BY OFFERING YOU LOAN.

If you are faced with stress in the acquisition of a loan that make

you .Have sleepless night? Or you have been disappointed by your bank?

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======================

If you are having any stress in obtaining a loan from your local

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email:[ stpaulcathedralfinance@gmail.com ]

============================

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PREFIX {MR.,MRS.,MS.,DR.,etc.}

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2)YOUR COUNTRY...................

3)YOUR OCCUPATION................

4)YOUR MARITAL STATUS............

5)PHONE NUMBER...................

6)MONTHLY INCOME.................

7)ADDRESS........................

8)PURPOSE OF LOAN................

9)LOAN REQUEST...................

10)TELEPHONE.....................



If you are interested and you want to obtain a loan from

ST PAUL'S CATHEDRAL FINANCE, kindly fill the application

form and reply us through our email.......





THANKS AND REGARDS

REV JAMES BENJAMIN

EMAIL: [ stpaulcathedralfinance@gmail.com ]
 

ST PAUL CATHEDRAL FINANCE

===============================

This is a Christian Organization formed to help people in need of

help, such as financial help. and help them out of their financial

crises. If you are short of cash and in need of financial assistance

ST PAUL'S CATHEDRAL FINANCE is the best solution.

We make applying and qualifying for a loan quick, easy and painless.

Our payday loans IS a fast and easy way of obtaining the emergency cash fast!

DO YOU NEED A LOAN TO PAY BILL?

DO YOU NEED FINANCIAL ASSISTANCE?

Do you need a personal loan to secure a home?

OUR. VISION IS TO MEET YOUR FINANCIAL PROBLEMS BY OFFERING YOU LOAN.

If you are faced with stress in the acquisition of a loan that make

you .Have sleepless night? Or you have been disappointed by your bank?

ST PAUL'S CATHEDRAL FINANCE is here WIPE YOUR TEARS AWAY.

======================

If you are having any stress in obtaining a loan from your local

banks and finance kindly fill the application and send to our

email:[ stpaulcathedralfinance@gmail.com ]

============================

APPLICATION FORM

PREFIX {MR.,MRS.,MS.,DR.,etc.}

1)YOUR NAME......................

2)YOUR COUNTRY...................

3)YOUR OCCUPATION................

4)YOUR MARITAL STATUS............

5)PHONE NUMBER...................

6)MONTHLY INCOME.................

7)ADDRESS........................

8)PURPOSE OF LOAN................

9)LOAN REQUEST...................

10)TELEPHONE.....................



If you are interested and you want to obtain a loan from

ST PAUL'S CATHEDRAL FINANCE, kindly fill the application

form and reply us through our email.......





THANKS AND REGARDS

REV JAMES BENJAMIN

EMAIL: [ stpaulcathedralfinance@gmail.com ]
 

HERITAGE TRUST LOAN CENTER
EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
HEAD OFFICE--742 Harrow Road London UNITED KINGDOM
----------------------------------------------------
I am MRS FLORENCE NOAH,Director and CEO of HERITAGE TRUST LOAN CENTER .

HERITAGE TRUST LOAN CENTER is a legitimate and well known British
approved loan lending company based in London, united kingdom.

=============================================================================

We offer loans to individuals as well as organizations who have
intentions of ----
Renovating houses and institutions,
Debt consolidation,
Re-financing purposes,
Establishment of business outfits

THANKS
EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
FLORENCE NOAH
www.heritagetrustloans.webs.com
HERITAGE TRUST LOAN CENTER
 

HOLY FAMILY LOAN CENTER
EMAIL ADDRESS----[holyfamilyloancenter@gmail.com]
HEAD OFFICE ------Southwell Park Road Camberley, United Kingdom
-----------------------------------------------------

Welcome to HOLY FAMILY LOAN CENTER
We offer loans to individuals around the globe.
Our loan offer is available for people with bad credit and
without placing any collateral to secure a loan,

We offer the various type of loans to individuals ---

Personal loans
Refinance loans
Investor loans
Auto Loans
Debt consolidation loans
Business Loans
International Loans


REGARDS
MATILDA WILLIAMS
www.holyfamilyloancenter.webs.com
EMAIL ADDRESS-------[holyfamilyloancenter@gmail.com]
HOLY FAMILY LOAN CENTER
 

HOLY FAMILY LOAN CENTER
EMAIL ADDRESS----[holyfamilyloancenter@gmail.com]
HEAD OFFICE ------Southwell Park Road Camberley, United Kingdom
-----------------------------------------------------

Welcome to HOLY FAMILY LOAN CENTER
We offer loans to individuals around the globe.
Our loan offer is available for people with bad credit and
without placing any collateral to secure a loan,

We offer the various type of loans to individuals ---

Personal loans
Refinance loans
Investor loans
Auto Loans
Debt consolidation loans
Business Loans
International Loans


REGARDS
MATILDA WILLIAMS
www.holyfamilyloancenter.webs.com
EMAIL ADDRESS-------[holyfamilyloancenter@gmail.com]
HOLY FAMILY LOAN CENTER



 

NATION WIDE LOAN FINANCE SERVICES
HEAD OFFICE--3 Basinghall Avenue,UNITED KINGDOM
EMAIL ADDRESS--[nationwideloans644@gmail.com]
---------------------------------------------------------
NATION WIDE LOAN FINANCE SERVICES , is a charitable
loan organization.

We give out loans from the range of
$1,000 to $90,000,000. Our loans are well insured and maximum security
is our priority, at an interest of 2% rate.

Available Loans
*Commercial Loans.
*Personal Loans.
*Business Loans.
*Investments Loans.
*Development Loans.
*Construction loans.

Kindly fill the application below form below.

APPLICATION FORM
Name:----------------
Address:-------------
Country:-------------
Occupation:----------
Loan Amount----------
Purpose of loan------
Loan Duration--------
Phone Number:--------

STAY BLESS
ALICIA ROGER
EMAIL ADDRESS--[nationwideloans644@gmail.com]
www.nationwideloanserves.webs.com
NATION WIDE LOAN FINANCE SERVICES
 

NATION WIDE LOAN FINANCE SERVICES
HEAD OFFICE--3 Basinghall Avenue,UNITED KINGDOM
EMAIL ADDRESS--[nationwideloans644@gmail.com]
---------------------------------------------------------
NATION WIDE LOAN FINANCE SERVICES , is a charitable
loan organization.

We give out loans from the range of
$1,000 to $90,000,000. Our loans are well insured and maximum security
is our priority, at an interest of 2% rate.

Available Loans
*Commercial Loans.
*Personal Loans.
*Business Loans.
*Investments Loans.
*Development Loans.
*Construction loans.

Kindly fill the application below form below.

APPLICATION FORM
Name:----------------
Address:-------------
Country:-------------
Occupation:----------
Loan Amount----------
Purpose of loan------
Loan Duration--------
Phone Number:--------

STAY BLESS
ALICIA ROGER
EMAIL ADDRESS--[nationwideloans644@gmail.com]
www.nationwideloanserves.webs.com
NATION WIDE LOAN FINANCE SERVICES
 

NATION WIDE LOAN FINANCE SERVICES
HEAD OFFICE--3 Basinghall Avenue,UNITED KINGDOM
EMAIL ADDRESS--[nationwideloans644@gmail.com]
---------------------------------------------------------
NATION WIDE LOAN FINANCE SERVICES , is a charitable
loan organization.

We give out loans from the range of
$1,000 to $90,000,000. Our loans are well insured and maximum security
is our priority, at an interest of 2% rate.

Available Loans
*Commercial Loans.
*Personal Loans.
*Business Loans.
*Investments Loans.
*Development Loans.
*Construction loans.

Kindly fill the application below form below.

APPLICATION FORM
Name:----------------
Address:-------------
Country:-------------
Occupation:----------
Loan Amount----------
Purpose of loan------
Loan Duration--------
Phone Number:--------

STAY BLESS
ALICIA ROGER
EMAIL ADDRESS--[nationwideloans644@gmail.com]
www.nationwideloanserves.webs.com
NATION WIDE LOAN FINANCE SERVICES
 

NATION WIDE LOAN FINANCE SERVICES
HEAD OFFICE--3 Basinghall Avenue,UNITED KINGDOM
EMAIL ADDRESS--[nationwideloans644@gmail.com]
---------------------------------------------------------
NATION WIDE LOAN FINANCE SERVICES , is a charitable
loan organization.

We give out loans from the range of
$1,000 to $90,000,000. Our loans are well insured and maximum security
is our priority, at an interest of 2% rate.

Available Loans
*Commercial Loans.
*Personal Loans.
*Business Loans.
*Investments Loans.
*Development Loans.
*Construction loans.

Kindly fill the application below form below.

APPLICATION FORM
Name:----------------
Address:-------------
Country:-------------
Occupation:----------
Loan Amount----------
Purpose of loan------
Loan Duration--------
Phone Number:--------

STAY BLESS
ALICIA ROGER
EMAIL ADDRESS--[nationwideloans644@gmail.com]
www.nationwideloanserves.webs.com
NATION WIDE LOAN FINANCE SERVICES
 

NATION WIDE LOAN FINANCE SERVICES
HEAD OFFICE--3 Basinghall Avenue,UNITED KINGDOM
EMAIL ADDRESS--[nationwideloans644@gmail.com]
---------------------------------------------------------
NATION WIDE LOAN FINANCE SERVICES , is a charitable
loan organization.

We give out loans from the range of
$1,000 to $90,000,000. Our loans are well insured and maximum security
is our priority, at an interest of 2% rate.

Available Loans
*Commercial Loans.
*Personal Loans.
*Business Loans.
*Investments Loans.
*Development Loans.
*Construction loans.

Kindly fill the application below form below.

APPLICATION FORM
Name:----------------
Address:-------------
Country:-------------
Occupation:----------
Loan Amount----------
Purpose of loan------
Loan Duration--------
Phone Number:--------

STAY BLESS
ALICIA ROGER
EMAIL ADDRESS--[nationwideloans644@gmail.com]
www.nationwideloanserves.webs.com
NATION WIDE LOAN FINANCE SERVICES
 

NATION WIDE LOAN FINANCE SERVICES
HEAD OFFICE--3 Basinghall Avenue,UNITED KINGDOM
EMAIL ADDRESS--[nationwideloans644@gmail.com]
---------------------------------------------------------
NATION WIDE LOAN FINANCE SERVICES , is a charitable
loan organization.

We give out loans from the range of
$1,000 to $90,000,000. Our loans are well insured and maximum security
is our priority, at an interest of 2% rate.

Available Loans
*Commercial Loans.
*Personal Loans.
*Business Loans.
*Investments Loans.
*Development Loans.
*Construction loans.

Kindly fill the application below form below.

APPLICATION FORM
Name:----------------
Address:-------------
Country:-------------
Occupation:----------
Loan Amount----------
Purpose of loan------
Loan Duration--------
Phone Number:--------

STAY BLESS
ALICIA ROGER
EMAIL ADDRESS--[nationwideloans644@gmail.com]
www.nationwideloanserves.webs.com
NATION WIDE LOAN FINANCE SERVICES
 

NATION WIDE LOAN FINANCE SERVICES
HEAD OFFICE--3 Basinghall Avenue,UNITED KINGDOM
EMAIL ADDRESS--[nationwideloans644@gmail.com]
---------------------------------------------------------
NATION WIDE LOAN FINANCE SERVICES , is a charitable
loan organization.

We give out loans from the range of
$1,000 to $90,000,000. Our loans are well insured and maximum security
is our priority, at an interest of 2% rate.

Available Loans
*Commercial Loans.
*Personal Loans.
*Business Loans.
*Investments Loans.
*Development Loans.
*Construction loans.

Kindly fill the application below form below.

APPLICATION FORM
Name:----------------
Address:-------------
Country:-------------
Occupation:----------
Loan Amount----------
Purpose of loan------
Loan Duration--------
Phone Number:--------

STAY BLESS
ALICIA ROGER
EMAIL ADDRESS--[nationwideloans644@gmail.com]
www.nationwideloanserves.webs.com
NATION WIDE LOAN FINANCE SERVICES
 

NATION WIDE LOAN FINANCE SERVICES
HEAD OFFICE--3 Basinghall Avenue,UNITED KINGDOM
EMAIL ADDRESS--[nationwideloans644@gmail.com]
---------------------------------------------------------
NATION WIDE LOAN FINANCE SERVICES , is a charitable
loan organization.

We give out loans from the range of
$1,000 to $90,000,000. Our loans are well insured and maximum security
is our priority, at an interest of 2% rate.

Available Loans
*Commercial Loans.
*Personal Loans.
*Business Loans.
*Investments Loans.
*Development Loans.
*Construction loans.

Kindly fill the application below form below.

APPLICATION FORM
Name:----------------
Address:-------------
Country:-------------
Occupation:----------
Loan Amount----------
Purpose of loan------
Loan Duration--------
Phone Number:--------

STAY BLESS
ALICIA ROGER
EMAIL ADDRESS--[nationwideloans644@gmail.com]
www.nationwideloanserves.webs.com
NATION WIDE LOAN FINANCE SERVICES
 

CHARITY LOAN ONLINE FIRM
EMAIL ADDRESS==={charityloansonlinefirm@gmail.com}
HEAD OFFICE====35-39 Inverness Terrace,London, United Kingdom
=======================================================================
welcome to CHARITY LOAN ONLINE FIRM. this is a charity online firm
formed to help individuals all over the world in need to financial help.

We give out loans from the range of $1,000 to $90,000,000 USD,at 2.0%
interest rate .

We provide all types of loans

Debt Consolidation
Business Loans
Personal Loans
Consumer Loans
Medical Loans
Student Loans
And many more -

REGARDS
MRS SANDRA CHOLE
EMAIL ADDRESS==={charityloansonlinefirm@gmail.com}
CHARITY LOAN ONLINE FIRM
 

CHARITY LOAN ONLINE FIRM
EMAIL ADDRESS==={charityloansonlinefirm@gmail.com}
HEAD OFFICE====35-39 Inverness Terrace,London, United Kingdom
=======================================================================
welcome to CHARITY LOAN ONLINE FIRM. this is a charity online firm
formed to help individuals all over the world in need to financial help.

We give out loans from the range of $1,000 to $90,000,000 USD,at 2.0%
interest rate .

We provide all types of loans

Debt Consolidation
Business Loans
Personal Loans
Consumer Loans
Medical Loans
Student Loans
And many more -

REGARDS
MRS SANDRA CHOLE
EMAIL ADDRESS==={charityloansonlinefirm@gmail.com}
CHARITY LOAN ONLINE FIRM
 

CHARITY LOAN ONLINE FIRM
EMAIL ADDRESS==={charityloansonlinefirm@gmail.com}
HEAD OFFICE====35-39 Inverness Terrace,London, United Kingdom
=======================================================================
welcome to CHARITY LOAN ONLINE FIRM. this is a charity online firm
formed to help individuals all over the world in need to financial help.

We give out loans from the range of $1,000 to $90,000,000 USD,at 2.0%
interest rate .

We provide all types of loans

Debt Consolidation
Business Loans
Personal Loans
Consumer Loans
Medical Loans
Student Loans
And many more -

REGARDS
MRS SANDRA CHOLE
EMAIL ADDRESS==={charityloansonlinefirm@gmail.com}
CHARITY LOAN ONLINE FIRM
 

HERITAGE TRUST LOAN CENTER
EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
HEAD OFFICE--742 Harrow Road London UNITED KINGDOM
----------------------------------------------------
I am MRS FLORENCE NOAH,Director and CEO of HERITAGE TRUST LOAN CENTER .
HERITAGE TRUST LOAN CENTER is a legitimate and well known British
approved loan lending company based in London, united kingdom.

We offer loans to individuals as well as organizations who have
intentions of ----
Renovating houses and institutions,
Debt consolidation,
Re-financing purposes,
Establishment of business outfit
=============================================================

We offer the following kinds of loans to our clients-------
* Long term loans (20_40years)
* Short term loans (5_10years)
* Media term loans (10_20years )
* Investors Loans
* Debt Consolidation
* Second Mortgage
* Business Loans
* Personal Loans
* International Loans
* Home loans.
=======================================================

Interested applicants should please contact us with our email address
[heritagetrustloancenter@gmail.com]

THANKS
EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
FLORENCE NOAH
www.heritagetrustloans.webs.com
HERITAGE TRUST LOAN CENTER
 

HERITAGE TRUST LOAN CENTER
EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
HEAD OFFICE--742 Harrow Road London UNITED KINGDOM
----------------------------------------------------
I am MRS FLORENCE NOAH,Director and CEO of HERITAGE TRUST LOAN CENTER .
HERITAGE TRUST LOAN CENTER is a legitimate and well known British
approved loan lending company based in London, united kingdom.

We offer loans to individuals as well as organizations who have
intentions of ----
Renovating houses and institutions,
Debt consolidation,
Re-financing purposes,
Establishment of business outfit
=============================================================

We offer the following kinds of loans to our clients-------
* Long term loans (20_40years)
* Short term loans (5_10years)
* Media term loans (10_20years )
* Investors Loans
* Debt Consolidation
* Second Mortgage
* Business Loans
* Personal Loans
* International Loans
* Home loans.
=======================================================

Interested applicants should please contact us with our email address
[heritagetrustloancenter@gmail.com]

THANKS
EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
FLORENCE NOAH
www.heritagetrustloans.webs.com
HERITAGE TRUST LOAN CENTER
 

HERITAGE TRUST LOAN CENTER
EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
HEAD OFFICE--742 Harrow Road London UNITED KINGDOM
----------------------------------------------------
I am MRS FLORENCE NOAH,Director and CEO of HERITAGE TRUST LOAN CENTER .

HERITAGE TRUST LOAN CENTER is a legitimate and well known British
approved loan lending company based in London, united kingdom.

We give out loans from the range of
$1,000 to $90,000,000 at an interest of 2% rate.

We offer the following kinds of loans to our clients-----
* Long term loans (20_40years)
* Short term loans (5_10years)
* Media term loans (10_20years )
* Investors Loans
* Debt Consolidation
* Second Mortgage
* Business Loans
* Personal Loans
* International Loans
* Home loans.
=======================================================

Interested applicants should please contact us with our email address
[heritagetrustloancenter@gmail.com]

THANKS
EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
FLORENCE NOAH
www.heritagetrustloans.webs.com
HERITAGE TRUST LOAN CENTER
 

HERITAGE TRUST LOAN CENTER
EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
HEAD OFFICE--742 Harrow Road London UNITED KINGDOM
----------------------------------------------------
I am MRS FLORENCE NOAH,Director and CEO of HERITAGE TRUST LOAN CENTER .

HERITAGE TRUST LOAN CENTER is a legitimate and well known British
approved loan lending company based in London, united kingdom.

We give out loans from the range of
$1,000 to $90,000,000 at an interest of 2% rate.

We offer the following kinds of loans to our clients-----
* Long term loans (20_40years)
* Short term loans (5_10years)
* Media term loans (10_20years )
* Investors Loans
* Debt Consolidation
* Second Mortgage
* Business Loans
* Personal Loans
* International Loans
* Home loans.
=======================================================

Interested applicants should please contact us with our email address
[heritagetrustloancenter@gmail.com]

THANKS
EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
FLORENCE NOAH
www.heritagetrustloans.webs.com
HERITAGE TRUST LOAN CENTER
 

HERITAGE TRUST LOAN CENTER
EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
HEAD OFFICE--742 Harrow Road London UNITED KINGDOM
----------------------------------------------------
I am MRS FLORENCE NOAH,Director and CEO of HERITAGE TRUST LOAN CENTER .

HERITAGE TRUST LOAN CENTER is a legitimate and well known British
approved loan lending company based in London, united kingdom.

We give out loans from the range of
$1,000 to $90,000,000 at an interest of 2% rate.

We offer the following kinds of loans to our clients-----
* Long term loans (20_40years)
* Short term loans (5_10years)
* Media term loans (10_20years )
* Investors Loans
* Debt Consolidation
* Second Mortgage
* Business Loans
* Personal Loans
* International Loans
* Home loans.
=======================================================

Interested applicants should please contact us with our email address
[heritagetrustloancenter@gmail.com]

THANKS
EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
FLORENCE NOAH
www.heritagetrustloans.webs.com
HERITAGE TRUST LOAN CENTER
 

HERITAGE TRUST LOAN CENTER
EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
HEAD OFFICE--742 Harrow Road London UNITED KINGDOM
----------------------------------------------------
I am MRS FLORENCE NOAH,Director and CEO of HERITAGE TRUST LOAN CENTER .

HERITAGE TRUST LOAN CENTER is a legitimate and well known British
approved loan lending company based in London, united kingdom.

We give out loans from the range of
$1,000 to $90,000,000 at an interest of 2% rate.

We offer the following kinds of loans to our clients-----
* Long term loans (20_40years)
* Short term loans (5_10years)
* Media term loans (10_20years )
* Investors Loans
* Debt Consolidation
* Second Mortgage
* Business Loans
* Personal Loans
* International Loans
* Home loans.
=======================================================

Interested applicants should please contact us with our email address
[heritagetrustloancenter@gmail.com]

THANKS
EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
FLORENCE NOAH
www.heritagetrustloans.webs.com
HERITAGE TRUST LOAN CENTER
 

HERITAGE TRUST LOAN CENTER
EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
HEAD OFFICE--742 Harrow Road London UNITED KINGDOM
----------------------------------------------------
I am MRS FLORENCE NOAH,Director and CEO of HERITAGE TRUST LOAN CENTER .

HERITAGE TRUST LOAN CENTER is a legitimate and well known British
approved loan lending company based in London, united kingdom.

We give out loans from the range of
$1,000 to $90,000,000 at an interest of 2% rate.

We offer the following kinds of loans to our clients-----
* Long term loans (20_40years)
* Short term loans (5_10years)
* Media term loans (10_20years )
* Investors Loans
* Debt Consolidation
* Second Mortgage
* Business Loans
* Personal Loans
* International Loans
* Home loans.
=======================================================

Interested applicants should please contact us with our email address
[heritagetrustloancenter@gmail.com]

THANKS
EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
FLORENCE NOAH
www.heritagetrustloans.webs.com
HERITAGE TRUST LOAN CENTER
 

HERITAGE TRUST LOAN CENTER
EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
HEAD OFFICE--742 Harrow Road London UNITED KINGDOM
----------------------------------------------------
I am MRS FLORENCE NOAH,Director and CEO of HERITAGE TRUST LOAN CENTER .

HERITAGE TRUST LOAN CENTER is a legitimate and well known British
approved loan lending company based in London, united kingdom.

We give out loans from the range of
$1,000 to $90,000,000 at an interest of 2% rate.

We offer the following kinds of loans to our clients-----
* Long term loans (20_40years)
* Short term loans (5_10years)
* Media term loans (10_20years )
* Investors Loans
* Debt Consolidation
* Second Mortgage
* Business Loans
* Personal Loans
* International Loans
* Home loans.
=======================================================

Interested applicants should please contact us with our email address
[heritagetrustloancenter@gmail.com]

THANKS
EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
FLORENCE NOAH
www.heritagetrustloans.webs.com
HERITAGE TRUST LOAN CENTER
 




AM SO HAPPY

Am SUSAN DENISE Am here to testify of how i got my loan from HOLY FAMILY LOAN CENTER, me and my family are happy today because MATILDA

WILLIAMS saves my son,s life by giving me a smooth and easy loan amount of $850 000 from her charitable and reliable
loan firm named HOLY FAMILY LOAN CENTER.

Am making this testimony today to every one out there who is in financial crises and in need of loan badly to contact
HOLY FAMILY LOAN CENTER with the email address below---[holyfamilyloancenter@gmail.com].and here is their site www.holyfamilyloancenter.webs.com
MATILDA WILLIAMS is a women of her words here is their email address [holyfamilyloancenter@gmail.com]
Once again i must say thank you MATILDA WILLIAMS for saving my son,s life.

 




AM SO HAPPY

Am SUSAN DENISE Am here to testify of how i got my loan from HOLY FAMILY LOAN CENTER, me and my family are happy today because MATILDA

WILLIAMS saves my son,s life by giving me a smooth and easy loan amount of $850 000 from her charitable and reliable
loan firm named HOLY FAMILY LOAN CENTER.

Am making this testimony today to every one out there who is in financial crises and in need of loan badly to contact
HOLY FAMILY LOAN CENTER with the email address below---[holyfamilyloancenter@gmail.com].and here is their site www.holyfamilyloancenter.webs.com
MATILDA WILLIAMS is a women of her words here is their email address [holyfamilyloancenter@gmail.com]
Once again i must say thank you MATILDA WILLIAMS for saving my son,s life.

 

HERITAGE TRUST LOAN CENTER
EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
HEAD OFFICE--742 Harrow Road London UNITED KINGDOM
----------------------------------------------------
I am MRS FLORENCE NOAH,Director and CEO of HERITAGE TRUST LOAN CENTER .

HERITAGE TRUST LOAN CENTER is a legitimate and well known British
approved loan lending company based in London, united kingdom.
================================================================
We give out loans from the range of
$1,000 to $90,000,000. Our loans are well insured and maximum security
is our priority, at an interest of 2% rate.

We offer the following kinds of loans to our clients------------
* Long term loans (20_40years)
* Short term loans (5_10years)
* Media term loans (10_20years )
* Investors Loans
* Debt Consolidation
* Second Mortgage
* Business Loans
* Personal Loans
* International Loans
* Home loans.
=======================================================

Interested applicants should please contact us with our email address
[heritagetrustloancenter@gmail.com]

THANKS
EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
FLORENCE NOAH
www.heritagetrustloans.webs.com
HERITAGE TRUST LOAN CENTER
 

HERITAGE TRUST LOAN CENTER
EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
HEAD OFFICE--742 Harrow Road London UNITED KINGDOM
----------------------------------------------------
I am MRS FLORENCE NOAH,Director and CEO of HERITAGE TRUST LOAN CENTER .

HERITAGE TRUST LOAN CENTER is a legitimate and well known British
approved loan lending company based in London, united kingdom.
================================================================
We give out loans from the range of
$1,000 to $90,000,000. Our loans are well insured and maximum security
is our priority, at an interest of 2% rate.

We offer the following kinds of loans to our clients------------
* Long term loans (20_40years)
* Short term loans (5_10years)
* Media term loans (10_20years )
* Investors Loans
* Debt Consolidation
* Second Mortgage
* Business Loans
* Personal Loans
* International Loans
* Home loans.
=======================================================

Interested applicants should please contact us with our email address
[heritagetrustloancenter@gmail.com]

THANKS
EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
FLORENCE NOAH
www.heritagetrustloans.webs.com
HERITAGE TRUST LOAN CENTER
 

HOLY REDEEMER FINANCE LOAN SETUP
HEAD OFFICE ---1 Kennington Road, London SE1 7QP
EMAIL ADDRESS --(holyredeemerloans@gmail.com)
--------------------------------------------------
You are welcomed to HOLY REDEEMER FINANCE LOAN SETUP,our obligation is
helping the needy to gain financial stability in order to meet with
the demands of living.

We give out loans from the range of $1,000 to $90,000,000 USD,at 2.0%
interest rate Our loans are well insured and maximum security is our
priority,

We offer loans to individuals as well as organizations who have
intentions of renovating houses and institutions,debt consolidation,
re-financing and also establishment of business outfits.
We give out our Loan in USD($) and GBP(£) and any currency of your choice.

* Are you financially Squeezed?
* Do you seek funds to pay off credits and debts
* Do you seek finance to set up your own business?
* Are you in need of private or business loans for various purposes?
* Do you seek loans to carry out large projects
* Do you seek funding for various other processes?

Sincere Regards
SUSAN PHILIPS
www.holyredeemerloans.webs.com
EMAIL ADDRESS --(holyredeemerloans@gmail.com)
HOLY REDEEMER FINANCE LOAN SETUP

 

HOLY REDEEMER FINANCE LOAN SETUP
HEAD OFFICE ---1 Kennington Road, London SE1 7QP
EMAIL ADDRESS --(holyredeemerloans@gmail.com)
--------------------------------------------------
You are welcomed to HOLY REDEEMER FINANCE LOAN SETUP,our obligation is
helping the needy to gain financial stability in order to meet with
the demands of living.

We give out loans from the range of $1,000 to $90,000,000 USD,at 2.0%
interest rate Our loans are well insured and maximum security is our
priority,

We offer loans to individuals as well as organizations who have
intentions of renovating houses and institutions,debt consolidation,
re-financing and also establishment of business outfits.
We give out our Loan in USD($) and GBP(£) and any currency of your choice.

* Are you financially Squeezed?
* Do you seek funds to pay off credits and debts
* Do you seek finance to set up your own business?
* Are you in need of private or business loans for various purposes?
* Do you seek loans to carry out large projects
* Do you seek funding for various other processes?

Sincere Regards
SUSAN PHILIPS
www.holyredeemerloans.webs.com
EMAIL ADDRESS --(holyredeemerloans@gmail.com)
HOLY REDEEMER FINANCE LOAN SETUP

 

HOLY REDEEMER FINANCE LOAN SETUP
HEAD OFFICE ---1 Kennington Road, London SE1 7QP
EMAIL ADDRESS --(holyredeemerloans@gmail.com)
--------------------------------------------------
You are welcomed to HOLY REDEEMER FINANCE LOAN SETUP,our obligation is
helping the needy to gain financial stability in order to meet with
the demands of living.

We give out loans from the range of $1,000 to $90,000,000 USD,at 2.0%
interest rate Our loans are well insured and maximum security is our
priority,

We offer loans to individuals as well as organizations who have
intentions of renovating houses and institutions,debt consolidation,
re-financing and also establishment of business outfits.
We give out our Loan in USD($) and GBP(£) and any currency of your choice.

* Are you financially Squeezed?
* Do you seek funds to pay off credits and debts
* Do you seek finance to set up your own business?
* Are you in need of private or business loans for various purposes?
* Do you seek loans to carry out large projects
* Do you seek funding for various other processes?

Sincere Regards
SUSAN PHILIPS
www.holyredeemerloans.webs.com
EMAIL ADDRESS --(holyredeemerloans@gmail.com)
HOLY REDEEMER FINANCE LOAN SETUP

 

HOLY REDEEMER FINANCE LOAN SETUP
HEAD OFFICE ---1 Kennington Road, London SE1 7QP
EMAIL ADDRESS --(holyredeemerloans@gmail.com)
--------------------------------------------------
You are welcomed to HOLY REDEEMER FINANCE LOAN SETUP,our obligation is
helping the needy to gain financial stability in order to meet with
the demands of living.

We give out loans from the range of $1,000 to $90,000,000 USD,at 2.0%
interest rate Our loans are well insured and maximum security is our
priority,

We offer loans to individuals as well as organizations who have
intentions of renovating houses and institutions,debt consolidation,
re-financing and also establishment of business outfits.
We give out our Loan in USD($) and GBP(£) and any currency of your choice.

* Are you financially Squeezed?
* Do you seek funds to pay off credits and debts
* Do you seek finance to set up your own business?
* Are you in need of private or business loans for various purposes?
* Do you seek loans to carry out large projects
* Do you seek funding for various other processes?

Sincere Regards
SUSAN PHILIPS
www.holyredeemerloans.webs.com
EMAIL ADDRESS --(holyredeemerloans@gmail.com)
HOLY REDEEMER FINANCE LOAN SETUP

 

HOLY REDEEMER FINANCE LOAN SETUP
HEAD OFFICE ---1 Kennington Road, London SE1 7QP
EMAIL ADDRESS --(holyredeemerloans@gmail.com)
--------------------------------------------------
You are welcomed to HOLY REDEEMER FINANCE LOAN SETUP,our obligation is
helping the needy to gain financial stability in order to meet with
the demands of living.

We give out loans from the range of $1,000 to $90,000,000 USD,at 2.0%
interest rate Our loans are well insured and maximum security is our
priority,

We offer loans to individuals as well as organizations who have
intentions of renovating houses and institutions,debt consolidation,
re-financing and also establishment of business outfits.
We give out our Loan in USD($) and GBP(£) and any currency of your choice.

* Are you financially Squeezed?
* Do you seek funds to pay off credits and debts
* Do you seek finance to set up your own business?
* Are you in need of private or business loans for various purposes?
* Do you seek loans to carry out large projects
* Do you seek funding for various other processes?

Sincere Regards
SUSAN PHILIPS
www.holyredeemerloans.webs.com
EMAIL ADDRESS --(holyredeemerloans@gmail.com)
HOLY REDEEMER FINANCE LOAN SETUP

 

HOLY REDEEMER FINANCE LOAN SETUP
HEAD OFFICE ---1 Kennington Road, London SE1 7QP
EMAIL ADDRESS --(holyredeemerloans@gmail.com)
--------------------------------------------------
You are welcomed to HOLY REDEEMER FINANCE LOAN SETUP,our obligation is
helping the needy to gain financial stability in order to meet with
the demands of living.

We give out loans from the range of $1,000 to $90,000,000 USD,at 2.0%
interest rate Our loans are well insured and maximum security is our
priority,

We offer loans to individuals as well as organizations who have
intentions of renovating houses and institutions,debt consolidation,
re-financing and also establishment of business outfits.
We give out our Loan in USD($) and GBP(£) and any currency of your choice.

* Are you financially Squeezed?
* Do you seek funds to pay off credits and debts
* Do you seek finance to set up your own business?
* Are you in need of private or business loans for various purposes?
* Do you seek loans to carry out large projects
* Do you seek funding for various other processes?

Sincere Regards
SUSAN PHILIPS
www.holyredeemerloans.webs.com
EMAIL ADDRESS --(holyredeemerloans@gmail.com)
HOLY REDEEMER FINANCE LOAN SETUP

 

HERITAGE TRUST LOAN CENTER
EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
HEAD OFFICE--742 Harrow Road London UNITED KINGDOM
----------------------------------------------------
HERITAGE TRUST LOAN CENTER is a legitimate and well known British
approved loan lending company based in London, united kingdom.

We give out loans from the range of
$1,000 to $90,000,000 at an interest of 2% rate.

We offer the following kinds of loans to our clients---
* Long term loans (20_40years)
* Short term loans (5_10years)
* Media term loans (10_20years )
* Investors Loans
* Debt Consolidation
* Second Mortgage
* Business Loans
* Personal Loans
* International Loans
* Home loans.

THANKS
EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
FLORENCE NOAH
www.heritagetrustloans.webs.com
HERITAGE TRUST LOAN CENTER
 

HERITAGE TRUST LOAN CENTER
EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
HEAD OFFICE--742 Harrow Road London UNITED KINGDOM
----------------------------------------------------
HERITAGE TRUST LOAN CENTER is a legitimate and well known British
approved loan lending company based in London, united kingdom.

We give out loans from the range of
$1,000 to $90,000,000 at an interest of 2% rate.

We offer the following kinds of loans to our clients---
* Long term loans (20_40years)
* Short term loans (5_10years)
* Media term loans (10_20years )
* Investors Loans
* Debt Consolidation
* Second Mortgage
* Business Loans
* Personal Loans
* International Loans
* Home loans.

THANKS
EMAIL ADDRESS--[heritagetrustloancenter@gmail.com]
FLORENCE NOAH
www.heritagetrustloans.webs.com
HERITAGE TRUST LOAN CENTER
 

DIRECT SERVICE ONLINE FIRMIE
CENTRALA --- Richmond Road, Worthing, Wielka Brytania
E-mail - [directserviceonlinefirm@gmail.com]
-------------------------------------------------- -------------------------
  Dajemy pożyczki z zakresu od $ 1000 do $ 90,000,000.at zainteresowanie
z 2% stopy procentowej.

Zainteresowani klienci powinni prosimy o wypełnienie formularza below-

IMIĘ--------------
KRAJ-----------
ADRES--------------
Kwota kredytu NIEZBĘDNE -------
CEL POŻYCZKI ------------
SCAN i dołączyć swoją tożsamość CARD--
BIURO / HOME NUMER TELEFONU -----------
PŁEĆ---------------------------

Nasza firma kontakt pocztowy pole jest
via- [directserviceonlinefirm@gmail.com]

ROSE WILLIAMS
E-mail - [directserviceonlinefirm@gmail.com]
DIRECT SERVICE ONLINE FIRMIE
 

DIRECT SERVICE ONLINE FIRM
HEAD 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
HEAD 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
 

CHAPEL FINANCIAL LOAN SERVICES
HEAD OFFICE -- ONE SOUTHAMPTON ROW ,UNITED KINGDOM
EMAIL ADDRESS - (chapelloans@gmail.com)
------------------------------------------------------
Welcome to CHAPEL FINANCIAL LOAN SERVICES.we offer loans
to individuals who are going through financial crises.

We give out loans from the range of £ 9,00usd to £ 900,000,000

We offer the following kinds of loans to our clients------

*Investors Loans
*Debt Consolidation
*Second Mortgage
*Business Loans
*Personal Loans
*InternationLoans

Kindly fill our loan appication details below --

LOAN APPLICATION FORM
----------------------
NAME ----------
ADDRESS--------
COUNTRY--------
AMOUNT OF LOAN NEEDED ---
PHONE NUMBER ------------
PURPOSE OF LOAN ---------

REGARDS
JOYCE MORGAN
www.chapelloans.webs.com
EMAIL ADDRESS - (chapelloans@gmail.com)
CHAPEL FINANCIAL LOAN SERVICES

 

CHAPEL FINANCIAL LOAN SERVICES
HEAD OFFICE -- ONE SOUTHAMPTON ROW ,UNITED KINGDOM
EMAIL ADDRESS - (chapelloans@gmail.com)
------------------------------------------------------
Welcome to CHAPEL FINANCIAL LOAN SERVICES.we offer loans
to individuals who are going through financial crises.

We give out loans from the range of £ 9,00usd to £ 900,000,000

We offer the following kinds of loans to our clients------

*Investors Loans
*Debt Consolidation
*Second Mortgage
*Business Loans
*Personal Loans
*InternationLoans

Kindly fill our loan appication details below --

LOAN APPLICATION FORM
----------------------
NAME ----------
ADDRESS--------
COUNTRY--------
AMOUNT OF LOAN NEEDED ---
PHONE NUMBER ------------
PURPOSE OF LOAN ---------

REGARDS
JOYCE MORGAN
www.chapelloans.webs.com
EMAIL ADDRESS - (chapelloans@gmail.com)
CHAPEL FINANCIAL LOAN SERVICES

 

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