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Shut Them Down! – Payday Loan Companies Are Making Billions Preying On The Misery Of The Poor

Payday Loan Companies Are Making Billions Preying On The Misery Of The Poor - Photo by VinceesqWould you take out a loan that has an annual percentage rate of 391 percent?  Yes, I know that sounds absolutely crazy, but millions of Americans do it every single year.  The typical payday loan requires borrowers to pay about 15 dollars for every $100 that they borrow for two weeks.  That comes out to a yearly rate of about 391 percent.  And the payday loan companies know exactly who to target.  They have set up thousands of shops in the poorest communities all over the nation over the last several decades.  Each year, approximately 12 million Americans take out payday loans and they pay approximately 7.4 billion dollars in interest and fees on those loans.  Sadly, once you get hooked on payday loans they are very hard to stop.  In fact, one study found that only 13 percent of payday borrowers get two loans or less per year.  All other borrowers take out more loans than that.  In fact, more than a third of all payday borrowers take out between 11 and 19 loans during the course of a single year.  And as was mentioned earlier, the interest rates on these loans are beyond exorbitant.  Payday loans are estimated to be about  20 times more expensive than bank loans, with annual interest rates that are sometimes as high as 500 percent.  The payday loan companies circle the poor like vultures, because they know that the poor are the only ones desperate enough to agree to such terms.  This is why we need to shut them down.  The payday loan companies are making billions preying on the misery of the poor and it needs to be stopped.

And it just isn’t small, disreputable banks that are involved in these practices.  The truth is that some of the largest banks in America are now making payday loans…

Some, including U.S. Bank, Fifth Third Bank and Wells Fargo, offer payday loans under names such as Ready Advance, Fast Loan and Early Access, according to the Center for Responsible Lending (CRL). They can carry interest rates averaging between 225 and 300 percent, CRL said.

Others major banks not making such loans directly, but instead they are investing millions of dollars in the companies that do make the loans.  Bank of New York Mellon Corp., JPMorgan Chase and Bank of America are just some of the major banks that have invested large amounts of money in the payday loan industry.

These financial institutions are making billions of dollars by exploiting the people in our society that are the most vulnerable.  As I showed the other day, the bottom 90 percent of America is systematically getting poorer, and many Americans in desperate financial situations have found  the easy cash provided by the payday loan companies to be irresistible.  The following are some statistics about payday loans from a recent Pew Research study...

-Fifty-eight percent of payday loan borrowers have trouble meeting monthly expenses at least half the time. These borrowers are dealing with persistent cash shortfalls rather than temporary emergencies.

-Only 14 percent of borrowers say they can afford to repay an average payday loan out of their monthly budgets.

-Seventy-eight percent of borrowers rely on information from lenders—who sell these loans as a safe, two-week product—when choosing to borrow money. This reliance reinforces the perception that payday loans are unlike other forms of credit because they will not create ongoing debt. Yet the stated price tag for a two-week, $375 loan bears little resemblance to the actual $520 cost over the five months of debt that the average user experiences.

-While payday loans are often presented as an alternative to overdrafting on a checking account, a majority of borrowers end up paying fees for both.

-Some borrowers ultimately turn to the same options they could have used instead of payday loans to finally pay off the loans. Forty-one percent need an outside cash infusion to eliminate payday loan debt– including getting help from friends or family, selling or pawning personal possessions, taking out another type of loan, or using a tax refund.

-By almost a three-to-one margin, borrowers favor more regulation of payday loans. A majority of borrowers say the loans both take advantage of them and that they provide relief. Despite feeling conflicted about their experiences, borrowers want to change how payday loans work.

But those statistics don’t really convey the real world consequences that these predatory loans have.  Many Americans have lost everything that they had after they turned to payday loans.  In fact, it is estimated that at least 50,000 Americans a year go bankrupt due to payday loans.

A recent NBC News article profiled Raymond Chaney, a 66-year-old military veteran that had his life totally destroyed by these predators…

For Raymond Chaney, taking out a payday loan was like hiring a taxi to drive across the country. He ended up broke — and stranded.

The 66-year-old veteran from Boise lives off of Social Security benefits, but borrowed from an Internet payday lender last November after his car broke down and didn’t have the $400 for repairs. When the 14-day loan came due, he couldn’t pay, so he renewed it several times.

Within months, the cash flow nightmare spun out of control. Chaney ended up taking out multiple loans from multiple sites, trying to to stave off bank overdraft fees and pay his rent. By February, payday lenders — who had direct access to his checking account as part of the loan terms — took every cent of his Social Security payment, and he was kicked out of his apartment. He had borrowed nearly $3,000 and owed $12,000.

“I’m not dumb, but I did a dumb thing,” said Chaney, who is now homeless, living in a rescue mission in Boise.

Is there anyone out there that still wants to argue that we should not shut these predators down?

Sadly, many Americans in poor communities have very few alternatives to the payday loan companies.  In recent years, the large banking chains have been systematically closing down branches in poor neighborhoods while expanding in wealthy neighborhoods at the same time.  Since the Federal Reserve is paying banks not to lend money, it doesn’t make a lot of sense for them to make high-risk loans to poor Americans who may not be able to pay them back.  And recent regulations passed by Congress have made it not very profitable to offer checking accounts to poor people.  In many poor communities all over the country, it has now gotten to the point where it is becoming extremely difficult to find a bank branch anywhere.

So payday loan companies have been more than happy to fill the void.

But don’t look down on those that have taken out payday loans.  The truth is that almost all of us have willingly allowed ourselves to become enslaved to the system at one point or another.

For example, in a previous article entitled “Money Is A Form Of Social Control And Most Americans Are Debt Slaves“, I pointed out the utter foolishness of constantly carrying a balance on a credit card.  In that article, I included a great explanation from a former Goldman Sachs banker about how incredibly crippling credit card debt can be…

On the debt side of things, how much does your credit card company earn if you carry just an average of a $5,000 credit card balance, paying, say, 22% annual interest rate (compounding monthly) for the next 10 years?

In your mind you owe a balance of only $5,000, which is not a huge amount, especially for someone gainfully employed.  After all, $5,000 is just a quick Disney trip, or a moderately priced ski-trip, or that week in Hawaii.  You think to yourself, “how bad could it be?”

The answer, including the cost of monthly compounding, is $44,235, or about 9 times what it appears to cost you at face value.

This is why one of the top things that I recommend for getting prepared for the economic crisis that is coming is to get out of debt.

You do not want to be enslaved to financial predators when everything starts falling apart all around you.

So do any of you have any payday loan or credit card horror stories to share?  Please feel free to share what you have to say by posting a comment below…

Payday Loans - Photo by swanksalot

  • Rodster

    I’m in the minority but I vote NO to shutting them down. This is no different than gun control. We don’t need more Govt intervention. Let’s please stop the madness. I hate reading stories like this but the problem is not the Pay places funded and run by the Elites.

    The real problem is why do people have to turn to places like this in the first place. And it’s because of over taxation, inflation and good jobs which no longer exist but for a few. We are a Nation in decline and eventually the disease that has made this once great Nation sick will be terminated just like every other Super Power in World History. It happened to Rome, Egypt and others. We are not immune from following their mistakes.

    Eventually the system collapses because more and more people who have fallen prey to this have to be taken care of by the System. The same System which created the problems and eventually the whole paradigm collapses.

    • http://www.facebook.com/people/Shmeggle-Marxist/100001597489122 Shmeggle Marxist

      hmmmm, have to agree

    • Louise in MO

      Big Banks have similar tactics. When the 2008 stock market burst, our two credit card banks, Juniper and Capital One, doubled our interest rate. We had never been late, over the limit, nor did we pay just the minimum.

      They are all crooks!

      • kegaket1

        These banks would not have been able to raise the interest on your existing balances. The higher interest rate would only apply to your future purchases. You should cancel these cards and go find a better deal elsewhere. If your credit is good, you will be able to.

    • Syrin

      I 100% agree. The problem is not the business, it’s the business climate creating businesses like this and individuals making bad decisions.

    • otter1111

      I pretty much agree with you.

    • markthetruth

      Beginning of ” The Fabian Society ”

      the end…

    • Handog

      You vote NO to changing a system that you predict will collapse?

      You compare guns, which are protected by the Constitution with the corrupt and unconstitutional banking system?

      The “real problems” you mention were all created by banksters. It is the Banksters who bribe our spineless and greedy politicians into passing so-called “free trade” deals such as NAFTA, CAFTA, and the FTAA, which have destroyed America’s manufacturing base and have put millions of American workers out of their jobs. Then, like vultures they extort what little money is left. If Jesus were here he would drive these Payday loan sharks out with a whip.

      I vote YES to shutting them down.

      • krinks

        Finally, a man with a brain that knows his Bible. Jesus didn’t let alone the money changers and encourage people to stay away from them did he? NOT. He beat them with a whip and drove them out.

        • cpgone

          It was the location of the money changers , not the MC themselves. MC ‘s and loan gangsters (as in this article) are 2 diff. things.
          YOU, krinks start the movement to whip (or at least) outlaw the loan sharks. Report back.

          • krinks

            Not true. Jesus called them thieves, he didnt say they were in the wrong place.

          • cpgone

            Mark 11.17.. My house shall be called of all nations the house of prayer? but ye have made it a den of thieves. (KJV)”
            Subject of the sentence, “house or location “.No accounts of him going into the regular market (where they changed from one currency to another )and doing the same.
            Get out more. Banks, currency windows in cities change money from one to another daily. Until we have a one world currency , they will persist.Nothing necessarily evil about them in the proper location.

          • krinks

            I would have thought the word “thieves” used would force you to admit I was correct. I guess we aren’t playing with a full deck are we?

          • cpgone

            True, They were thieves. But in the market the operated as well. It was location. Go back to feeling superior.Get out more. Banks, currency windows in cities change money from one to
            another daily. Until we have a one world currency , they will
            persist.Nothing necessarily evil about them in the proper location.

          • northernconservative

            Thats right…he said my fathers house is a house of prayer and drove them out of the temple. Nowhere in the New Testament does it show Jesus doing this anywhere but in the temple. It was where they were located. People are addicted to having what they want without waiting for anything. Instant gratification is plaguing oir society and it comes from a persons personal life choices…predators are everywhere.

      • Rodster

        You fail to understand that the SYSTEM is one and the same run by greedy banksters with support from and encouraged by the US Govt. The same US Govt that made people poor and miserable in the first place by over taxation, over regulation, allowing jobs to be shipped overseas and the serfs are left with nothing more than scraps.

        It has happened all around the world. The rich get richer and the poor get poorer. These lopsided paradigms always end in collapse. The powerful and elites will always find a way to exploit the poor until you have a MASS REVOLT which is what happened in Egypt and the poor unwittingly voted in much of the same. So I still vote no to shutting them down.

    • krinks

      What an idiot you are. In Mexico where the banks have free reign interest rates for credit cards have risen to 200% and all bankruptcy laws were eliminated. If you get in over your head there once you are a debt slave for life.
      Take a read about how conditions were under Andrew Carnegie and Henry Frick when their behaviour wasn’t regulated and see the future fools like you would have us go back to. If big business could be trusted to do the right thing such laws would never have been necessary in the first place.

      • kegaket1

        Not sure about Mexico, but outside the US interest rates are over 100% to account for inflation that is over 100%. We don’t have that kind of inflation in the US so these interest rates seem appalling to us at first glance. But when you consider what drives it, it makes more sense. It’s either that, or no loans being offered in countries.

    • http://twitter.com/_MGrey_ Mojeaux

      AGREED!
      I looked up some stats on this. Forbes had an article that cited 6% default rate. That’s insane. For every 100 $100 loan, 6 will default. You need to charge $6 just to break even and that’s already an APR of 156% (if my math is correct).

      But people take these loans because they can’t go to the bank or put it on a credit card – because they’ve already had problems or spent too much.

    • markthetruth

      Socialism is a philosophy of failure, the creed of ignorance, and the gospel of envy, its inherent virtue is the equal sharing of misery.

      Churchill

      the end

    • cpgone

      Agree, Let the sheeple (educated by TV) bankrupt themselves. Its more or less hopeless. The sooner the sheeple become totally desperate and bankrupt , the sooner the crash and reset occurs. In Wyoming
      the APR for a 14-day $100 loan is 780%.

  • K

    Whether it is pay day loans, or the banks or wall street or the so called rich elite. This is capitalism with no rules, as long as you are making money, nothing else matters. One other group of true capitalists used this same method. They were the greatest capitalist of all time. The current group is only missing 3 things, to reach their level. 1. a peg leg, 2. an eye patch, 3. a parrot on their shoulder.

    • Syrin

      This is capitalism’s fault now huh? This sort of thing doesn’t happen in Soviet Russia, Cuba, Argentina, etc.? Stop spreading your ignorance. As long as there are fools with money, there will be people to separate the two.

      • K

        No, it is capitalism with no rules fault. Like any other human endeavor, rules and guidelines are required. A society with no moral basis of right or wrong, is just chaos. I think you would even agree, when driving, when flying, and in all other endeavors rules are needed. Why is there an exception for making money. Suddenly in this one area, there should be no rules. Is that a parrot I hear in the background?

        • Syrin

          Yeah, and the problem is the rules are often what create the climate like this. More often than not, the unforeseen consequences of the solution are worse than the problem. See, it’s REALLY easy to say, “fix it”, but it’s VERY hard to actually do so. Again, this happens in 100% controlled economies, so NO it is NOT capitalism’s fault as there are loan sharks in ANY society. No one is willing to be honest about where the real problem is. The consumer. No one is FORCING these people to use these businesses. NO ONE.

          • K

            Syrin loan sharks are illegal, pay day loans are legal. That is the problem. Many states used to have usury laws, they no longer do. There has to be a maximum interest that can be charged, or we have thrown any moral decency out the window. You can sell a starving man a can of stew, for a hundred dollars. He also does not have to buy it. Is not a little decency possible, just a little?

          • Keywee

            A lot of decency should be possible when people have the right priorities. Unfortunately for our society, people who defend the profit motive as others lay starving in the streets don’t have the same priorities as you and I. Ironically, it’s this inability to play nicely that fuels the need for the government interventions so despised by people claiming to be free-marketeers.

          • northernconservative

            I see alot of “starving people” drinking and smoking…….where does personal responsibility kick in again?

          • Keywee

            I’m sure you see a lot of things. What a shame you choose to acknowledge only the things you see that support your existing beliefs.

          • ConcernedAmerican

            Exactly. A thirsty man will promise anything for a drink of water. Sadly, humans are morally bankrupt. Look at what humans did to Jesus; a man that fed, healed, listened, and taught while asking for nothing in return (proof humans are short on decency). If society sees poverty, they would prefer to exploit the poor than help them.

          • ConcernedAmerican

            I agree, NO ONE is forcing “these people” to use their businesses. Perhaps we should let all of “these people” starve in the streets, or be homeless if they can’t pay their rent. Oh, wait, people still complain about “these people” then too. Perhaps circumstances are forcing some of “these people” into entering into agreements with such places? Perhaps the bad economy or jobs that don’t pay a living wage might be contributing? Perhaps jobs don’t pay living wages because of the greedy that sit at the top of the food chain?

  • Ameen

    The predatory practice is disgusting beyond belief. But which came first: the iPad or the NEED to have it so strong that the payday loan made sense??

    • ConcernedAmerican

      Not everyone that uses payday loans wants an IPad. Some people just want to buy food, pay their rent, and have bus money to get to work.

  • seth datta

    I love ob@ma!

    “you didn’t build that………….slave”

    “can we destroy the united states in record breaking time…………………why, yes we can”

  • Tim

    There are payday lenders all over the place in my area. There are also a lot of title loan companies. And both are predominantly located in the poorer areas.

    • Mondobeyondo

      Yep – you rarely if ever, see those places in the wealthier or well-to-do neighborhoods. But they certainly proliferate in low income areas!

  • mleblanc138

    Here in Orem Utah, we’ve got several payday loan place right along State Street(the main buisiness street). But there’s also something like 30 different banks/credit unions in Orem Utah, many of them again on State Street. It’s mostly a town of White Mormons with an ever increasing number of Latinos. It’s also a town that has both rich and poor people.

  • markthetruth

    Just a Legal name for ” LOAN SHARKS ”

    the end…

  • Stezie

    What really bothers me is how so many people nowadays think only in the short-term. There doesn’t seem to be any long-term considerations. This type of thinking is precisely what got us into this mess in the first place, intentional or not.

    I really hope people start waking up to the reality that we are all facing. Unfortunately, by this point, that may be wishful thinking.

    • http://profiles.google.com/maruadventurer john mcginnis

      “people nowadays think only in the short-term. There doesn’t seem to be any long-term considerations.”

      Look when your income stream is day work and you don’t know when your next pay check for the rent is coming from, then your ONLY view is next day. A week from now might as well be next year.

      Nor are Americans the only ones facing this. The entire nation of Argentina lives this on a daily basis as they watch the exchange rate and value of their dollar disappear 5% per day.

    • markthetruth

      Because People now have

      Short Memories
      short attention spans
      Short Tempers
      short relationships
      short use for things
      short answers
      short Term work

      the end…

  • markthetruth

    The Problem is ” Beggars Can’t Be Choosers ” Literately ! It’s Sad but the Truth , Your provably saying these people are nuts, but until you experience what they go through . It’s just like the crooked Doctors who pray on the terminal patients with false Hope and take all there Money.

    the end…

    • Keywee

      “until you experience what they go through”

      Exactly, I get tired of hearing people blaming the victims and assuming anyone taking out a payday loan is doing so because they want a new toy. Whatever happened to judge not lest ye be judged?

    • http://twitter.com/_MGrey_ Mojeaux

      No the problem is no one taught them to manage their money. Most of these debtors would cut back on expenses if they didn’t have these loans. (follow the links)
      So why not just cut the expenses first then you don’t have to pay these sharks. And yes I have been in dire straits, navigated it without loans cause I made the tough choices before I got into trouble.

  • Guest

    The Beginning of ” The Fabian Society ”

    the end…

  • John Williams

    Whatever happened to Caveat Emptor?

  • markthetruth

    ” We have a Choice, But we are Just Brainwashed Robots who can’t Standup for Ourselves ”

    Preamble ” What the True Men would Do !!! ”

    We hold these truths to be self-evident, that all men are created equal,that they are endowed by their Creator with certain unalienable Rights,
    that among these are Life, Liberty and the pursuit of Happiness.–That to secure these rights, Governments are instituted among Men, deriving
    their just powers from the consent of the governed, –That whenever any Form of Government becomes destructive of these ends, it is the Right of the People to alter or to abolish it, and to institute new Government, laying its foundation on such principles and organizing its powers in such form, as to them shall seem most likely to effect their Safety and Happiness. Prudence, indeed, will dictate that Governments long established should not be changed….

    the end…

  • Stephen McGehee

    There are very few times that I disagree with Michael, but this is one of those times. As bad as those places are, I did not see a single legitimate justification for the government to outlaw them. The folks who use the PayDay loan companies do so for one reason – they need it and have no other “legal” alternative.

    Do I feel sorry for them? Yes. Will I “feel better” knowing that such places are outlawed? How we “feel” about it is irrelevant. I’d like to eliminate bars and booze to save the thousands of deaths and ruined lives due to alcohol – but I’m not going to support government outlawing it.

    Do we really want to drive these folks into the arms of the back alley loan sharks who handle delinquent repayment by sending “Vinnie and the boys” over to break a leg?

    Michael, your heart is in the right place on this, but I hope you’ll reconsider the idea of wanting them outlawed. You’ve got an excellent blog, and I thank you and look forward to more of your posts. I think you missed the target on this one though.

    • squish em

      Agree 100%. Well said.

    • Kim

      I think that it would be justifiable to outlaw them at a local, county, level. We don’t need DC making these decisions for us. We need to take back our country from the town and county upward.

    • markthetruth

      Wrong ! They are one in the same ! They each get blood one way another, you can fix a broken leg and learn you

    • Handog

      Do we really want to drive woman seeking abortions into the back alley?

      Hey, let’s make it legal. It will save lives right?

      Wrong. The risk now comes from the huge increase in the sheer numbers of abortions done on a daily basis.

      Legalizing the loan sharks only brought “Vinnie and the boys” out of the back alley. They now have a nice office, shirt and tie. Advertisements. And a lot more business.

      • Stephen McGehee

        Can’t you do better than that? Equating the killing of babies with charging high interest rates? Not even close.

        • Handog

          Greed is one of the seven deadly sins.

        • Keywee

          Charging high interest rates IS killing babies, only it’s doing it slowly and painfully. Being indirectly responsible for suffering is just as immoral as directly inflicting it. Actually, I’d almost say it’s worse, at least abortion doctors admit to killing children, unlike loan sharks and banksters, who can fob the blame off onto poor parenting.

      • Robert Nicolas

        Welcome to LINK FINANCE LTD we give out loan of all kinds, If you are in need of urgent loan kindly contact us now with 2% interest rate and instant approval.

        Email……. linkfinance@consultant.com

        THANKS,

        Mr Thomas Williams

    • northernconservative

      Agreed again! Well put sir, I also feel this way.

  • http://www.facebook.com/people/David-Webb/100001371414176 David Webb

    I vote yes to applying our usury laws to these jokers.
    Yes we have had laws in the past to deal with these crooks.
    I think Mr. Bush may have taken all the restrictions off them when in office. Could be wrong.
    To have law, you have to have government willing to enforce said laws. No amount of law will help if the people that are in charge choose not to enforce it.
    Those people are in violation of their oaths of office. Nothing really new. The shame is that the violation of those oaths remains without recourse.
    There was a time when violation of oaths of office meant people believed that those oath breakers were going to a very uncomfortable hot place after they died.
    I would add that many retailers are using high interest credit cards. When confronted they simply say they are not responsible as it is an independent company doing the card.
    My own thought is that if a company lays down with dogs, they might get fleas. I do not trust any company with high interest credit cards waiting to hurt people with loans they cannot possibly pay back.
    Anyone with a card exceeding 16 percent is guilty of this. The credit union charges less than 10.

    A lot of “business people” are worse than the Mafia. Then these same people wonder why people take it personal.

  • Mondobeyondo

    The auto title loan sharks need to be shut down too! They’re basically the same as payday loan companies, except you use your car title (and therefore, your car) as collateral. Auto title loan companies have popped up like mushrooms during the past 3 years or so.

  • Mondobeyondo

    There are easily 10 auto title loan companies within a 3 mile radius of my house. Probably several more than that. They are everywhere. Payday loans were made illegal in Arizona in 2008. So guess what? They just took down “payday” from their signs, and stuck in “auto title”. Voila! Same thing!

    There was an article a couple months ago in our local paper, about a gentleman who had health issues and ran out of money. He applied to “Tio Rico Te Ayuda” (“Rich Uncle Helps You”) for an auto title loan. He lost his vehicle and is still broke. So, Tio Rico didn’t help this poor guy at all – in fact, he’s worse off than before.

    • ConcernedAmerican

      Thank you for sharing this.

  • chilller

    Remember the term “loan shark”? Used to be the mob ran these, but the penalty for not paying got your legs broke. Today is more civilized where they only break your financial legs. I’ll wager most of the customers of these loan shark institutions are Obama supporters since they most likely own a gubermint cell phone and receive other entitlements. Stats of these individuals would be interesting.

  • seth datta

    The Banking Families, Zion Freemasons and Illuminati wouldve bought these companies up eventually, if not destroying their competition.

  • archeryboy

    It’s amazing to me reading this from Australia that this article is surrounded by adds for the exact loans you write about. All Australian websites. I assume this local advertising is out of your control but hey. I counted seven.

  • ConcernedAmerican

    You are a kindred soul. Just when I think I am alone in noticing something, you write an article about it.

    What is so sad is that people would not need to use Payday Loan predators if families still helped one another. There are some people that would watch their family member end up at a homeless shelter before they helped them. There are some people that are wealthy and own a business but won’t even help a family member by training them or offering them a job. Some people are more willing to help strangers than their own family members. The breakdown of our families is the cause of so much heartache in modern society.

    • TX4Life

      What you say is true and we do need to help those in our families who are truly in need. However, I have some relatives that have all the latest technology items, new cars, eat out all the time, etc., and expect those of us who avoid those things to help when they get their lights cut off for non-payment or can’t pay a medical bill. They despise those of us who manage our money for not helping out and call us “greedy”. Greedy. If we sacrifice those things in order to have cash set aside for emergencies, we are greedy. They don’t want to sacrifice their niceties to have a savings account so why should I sacrifice my savings to help them out?

  • smallergovnow

    Saying “shut them down” is no different than saying “ban guns” or no soft drinks bigger than 16 ounces. Why does everything have to be “controlled” for the peoples protection?

  • Ms. Anne Thrope

    Why would we wish for Uncle Sugar to stick his nose into another area that is none of his business. The loan shark joints provide a valuable service to those who are bad at math…..just wish that I were young & thought of it first.

  • K

    Well Michael, I think you ran into another far right sacred cow. Have not seen responses like this since the Walmart article. Mind the torches and the pitchforks.

  • Stacey

    Michael, what happened to the usery laws? I thought all states had them?

  • Boo-urns

    Waitaminit… I thought Jesus was going to take care of this?

  • Zen

    One thing I have never understood about these businesses is why their isn’t more competition between them. It seems like these things are cash cows that generate a lot of income. There always seems to be a bunch of them in the same area. If this is the case, why hasn’t someone opened up one that charges 1/2 the interest of the other ones in the neighborhood? It seems to me that if a payday loan operation advertised it’s very low interest rates (comparatively speaking) then they would get all the business in the area and before you know it other payday loan operations would have to try to get some of there customers back by following suite.

    Also, I am not falling for some conspiracy theory about the elite being in cahoots to keep the prices up. I know a guy who owns a couple of these things. Just about anyone can open one of these up if they have a little capital to start with. You do have to be able to wake up and look at yourself in the mirror though, which I could not if I had one.

  • FounderChurch

    God is the only answer. And FounderChurch at gmail is His honest prophet.

  • martae

    Of course I would not borrow from these crooks, but would I prohibit others from doing so? Nope.
    If you want to stop it, why not offer the idiots a better deal? Did you ever consider that one reason the rates are so high, is that their customers are terrible risks?

    • Handog

      LOL, RISK?

      What risk? They are too big to fail. They are insured by the tax payer. The sheep will bail out the wolves again if need be.

      There is a lack of regulation because of bribes and kickbacks.

      Small businesses are being crushed because of excessive taxes and regulations.
      I couldn’t set up a hot dog stand here because of regulations.

      Why give these scum bags a free pass?

  • Jodi

    I live near a major college & they must target college students too. I don’t necessarily think they just target poor areas they are everywhere.

    • ConcernedAmerican

      Ever ask a college student how much money they have?

  • whteshark

    Michael,

    I thought you were for free markets and letting the individual decide what was in his or her best interest? And now you want the government to shut down these companies, instead of the market?

    Sounds like more socialist crap–and for once it isn’t coming from The White House.

    Number one these people take out these loans because they often have no place else to turn. I don’t like these loans and the fee’s that are incurred are even worse if these loan are defaulted on.

    However, they are short term loans and I don’t think a business could stay in business loaning money for 14 days at 3 percent interest.

    And I’m for the market deciding the fate of these companies, not some heavy handed, do gooder government that can’t keep its nose out of everybody’s business.

    Stick to the economy, Michael, because I don’t want you or anybody else telling me who I CAN and CAN’T borrow money from.

    • ConcernedAmerican

      So, just because some people borrow money from the mafia, we should allow the mafia to operate to ensure the free market? Is it ever appropriate to draw lines?

      • Richard T.

        Free market means no coercion and is done through mutual agreement. Yes, loan sharks are not moral, but they are legal and acceptable if you want to have a true free market.

  • MiniBooger

    These places disgust me, but I do believe that they are just another symptom of a society that is out of control. Everything is a scam on one level or another anymore.

  • cannuck21

    A good article Michael. As a former officer with one of the major banks I have some understanding of the processes involved. May I suggest – Firstly, never ever revolve on your credit card. If you can’t afford to pay off your monthly statement in full then plan to spend only what you can cover. No excuses. Period.

    Regarding the pay day loan companies. Yep they are the loan sharks of today. To legislate for their closure would be difficult as some other ‘shark’ would appear to replace them. Perhaps a two stage approach may help. Legislate for lower rates of interest – a max % charge. Teach children when in school how to budget for home and life’s expenses.

  • WendyCat8

    I once made a 10 cent error in my checkbook which cause 2 overdraft fees at $37.50 each, because of course they put the highest one through first. So, I paid $75 for 10 cents. How can this be legal? I would much rather have borrowed $100 from a payday loan place for $15, or even borrowed $50 for just $7.50. That would have been a much better solution for my 10 cent problem. I understand the issues of payday loans, but banks are just as bad, or worse.

    • erheault

      See now you have learned a finincial lesson the hard way, I bet you now take care of your finances a lot closer, These lessons should be taught in schools insterd fo the feel good trash that is now being called education

      .

    • Handog

      Who else can get away with this sort of gouging?

      And what happens when the banks mismanages our money? They get rewarded with a tax payer bail out.

  • http://www.facebook.com/jeffrey.missal Jeffrey Missal

    While I agree that payday loan companies are bad and I would never use them for all the reasons already specified, the “poor” in the nation need to understand that they don’t NEED that cell phone or cable tv. If the “poor” would live within their means, they wouldn’t need a payday loan company. The minimum wage in this nation is designed to provide exactly that: a minimum wage in which to meet the MINIMUM expenditures neccessary to simply survive….no extras. Its those extras that people feel they need that are causing this.
    As such, it isn’t “need” that is driving payday loans, it is “want”.

  • Richard T.

    The problem is that government cannot regulate anything and everything. If we try to use the government to regulate anything that is not moral then we will run into serious problems.

    First, what is “moral”? Who’s definition are we going with? Second, freedom is to have the freedom to make the wrong choice and suffer the consequence. If the government protects us from making any wrong choices, then we have no freedom. God created us as free moral agents, we have to make our own choices and be responsible for them.

    The best way to resolve this issue it not to shut down the Payday loan sharks using the government, but to have Churches, communities, and families take up the burden of caring for one another. After all, that is God’s commandment to us, to love one another and to care for each other, spiritually and physically. So while loan sharks do have the right to exist, we can help each other that no one have to use their service.

  • erheault

    You cannot cure stupid, if you could we would have a diffrent congress and a diffrent president,

  • transumer

    They are the parasite feeding on the host. Read Dickens. We’re attacking the messenger.

  • Hoss471

    They are stepping on the toes of the banks and credit unions by loaning money to people who otherwise do not qualify for a loan by a bank. I personally would not go to a pay day loan for money, yet I do know several people who do. As long as they are responsible in taking out these loans, i see no problem with them. I do see the interest going to the PDL company instead of a bank or credit union , but the banks wouldn’t loan to some of these people anyway. CREDIT RISK

  • mosium

    Do you know anything about PAYDAY LOANS? It appears by your article you need to do more research. I agree the APR is pretty steep, but to pay $15 for a $100 loan for two weeks is a great deal. On top of that, if anyone defaults, it is against the law to sue these people for non-payment (at-least in Cali.). Also, the PAYDAY LOAN industry has about a 25% default rate. So, who is ripping who off.

    • Tim

      If a borrow defaults on their loan, the lender will usually turn the debt over to a collection agency. If the borrower fails to pay to the collection agency, the collection agency will usually report the delinquency to a credit bureau. And that will affect the borrower’s credit rating. A damaged credit rating affects one’s ability to get future credit from sources other than payday lenders.

    • Handog

      Oh, you must work for the industry.

      You don’t mention that before the borrower finally defaults they have rolled their loan over several time. The interest isn’t just steep. We’re talking obscene profits.

      Great deal?

      North Carolina outlawed payday lending in 2006. A study done after closure of payday lending stores in their state found that more than half of families that had used payday loans saw their finances IMPROVE after these loans were made illegal.

  • Steve

    Hi all…
    In the United Kingdom some payday loan companies charge 4000 percent…
    This is immoral and indecent… but surprise surprise… some British Members of Parliament are directors of these companies…
    Steve…

    • bogi

      Why always involve the government ?
      Is this not like a casino ? You gamble …if you lose it’s YOUR fault . Blame the people with their ” short ” brain . Nobody forces you to go to these places .

  • TK

    I also vote no to shutting down pay day lenders. Your position is an extension of the nanny state mentality. But wirse yet, you are ignorant of payday lenders. Are there bad players? Where aren’t there bad players. Do the vast majority comply with all regs and TILA requirements? Yes. Are the PDL fees less than an overdraft charge from a bank? Yes! As for the interest, these loans are 2-4 weeks long, but must use a one year amortization. If I lent you $100 for two weeks and then you paid me $10, would that be horrific? That’s what these lenders do. I have had staff that had no other way to get to work than using these lenders. If this is representative of your due diligence you have lost a step or two.

  • gwizzard

    as with all other matters, the tendency to decide for others is what makes society suck. if I need money and willing to pay the interest, who can tell me i can’t? oops, forgot. These days, almost everybody else.

  • Ralfine

    In England, it is easy to get a loan, if you are willing to pay 1,750% interest per year

    • AFBobBlairJr

      Ralfine, The U.K. and Canada use the mathematically-true, Compound APR … the rate for a payment period COMPOUNDED for the number of payment periods in a year. So the period rate is 11.842%, calculated (using Excel math symbols): ((1,750/100)+1)^(14/365)-1)*100. In the USA that 11.842% would have a multiplied, nominal APR of 308.745%, calculated as 11.842*(365/14). The USA should use the mathematically true APR that the U.K.uses.

  • Boo-urns

    Blah blah blah blah blah blah. Another cult leader in the making.

  • http://www.facebook.com/people/Jaime-Moksha/100001262695705 Jaime Moksha

    Anytime you use the power of government to solve a problem, you create two new problems. Just leave those Payday loan places alone. As for that guy who borrowed $400 to fix his car, then eventually owed $12,000 and lost his apartment. He should have moved into his car or sold it long before it reached that point. Like most people, he would rather postpone today’s suffering for more suffering down the road.

  • GCN3030

    It is sad that people don’t really believe in freedom of association. What right does the government have to dictate to me the terms under which I am allowed to borrow or lend money?

    • Handog

      What’s sad is the economic collapse that is unfolding caused by easy credit conditions during the 2002–2008 period that encouraged high-risk lending and borrowing practices.

      You fools haven’t learned a thing. You may not be taking out loans you cannot pay back but your neighbor is. We are on one big ship of fools and when the next bubble pops we all go down.

  • 2Gary2

    Michael–I worked in this industry for years and the interest is over 1000%, yes one-thousand percent. It is way worse than you will; ever know.

  • 2Gary2

    The typical payday loan requires borrowers to pay about 15 dollars for
    every $100 that they borrow for two weeks.

    WRONG–try $24 per $100 in 2 weeks. Michael your data is old and outdated. I have never seen only $15.

  • 2Gary2

    here is a secret–you can get multiple payday loans, close your checking account and default. The worst that will happen is you will get collections letters/calls. If you change your phone number u do not get the calls. This will work exactly one time as you will be in a deny new loan status. Also many lawyers have their client who is filing bankruptcy get a payday loan to pay the filing fee and then add the pay day loan to the bankruptcy. I have seen this all first hand so I know it is accurate.

  • zardoz911

    I recommend preparing to use debt in an emergency like last minute buying of weapons, ammo,or food stores. low interest refi on house you walk away from. or hyperinflation where you can hand a case full of paper money to pay off property or a few silver/gold oz. very creative opportunities comming for the smart and strong.

  • http://www.debtconsolidationcare.com/User/sally.nachelle Sally Nachelle

    I just loved this article. It is true that people take out payday loans during financial emergencies. Most people feel shy to borrow money from their friends and relatives because money issues can ruin their family relations. People can get payday loan very easily without any hassles because the payday lenders don’t check the credit report of the consumers. The interest rate of this type of loan is too high. But lending of payday loan is not legal in most of the state of US, such as- North Carolina, New Jersey and Pennsylvania. But the lenders are doing their business on those states even if they are illegal. I feel the government should take strict action against such illegal companies. In this way, we would be able to reduce the problems of debt.

  • cpgone

    In Missouri
    The APR for a 14-day $100 loan is 1980%.

  • cpgone

    I come to this article and see and ad on the left for 7 of these scum bag lenders.
    Micheal , check the mirror.

  • northernconservative

    Amen brother. The responsible get to sit around and listen to those who constantly make crappy financial choices whine that they need another bailout. Keep working! Millions on welfare depend on you!

  • BISHOP THOMAS BANKS

    CATHEDRAL CHURCH OF ST NICHOLAS LOAN FIRM

    ADDRESS–St. Nicholas Square, Newcastle upon Tyne. NE1 1PF UNITED KINGDOM

    EMAIL–cathedralchurchofstnicholas@gmail.com

    REGISTRATION NUMBER—-N159304

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

    Welcome to England’s most northerly Cathedral loan firm ,This is a christian roman catholic church

    loan firm in Newcastle upon Tyne england in united kingdom formed to help those who are in

    financial crises and help them achieve their goals in life

    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 1.2% rate.

    BISHOP THOMAS BANKS

    EMAIL–[cathedralchurchofstnicholas@gmail.com]

    ADDRESS–St. Nicholas Square, Newcastle upon Tyne. NE1 1PF UNITED KINGDOM

    CATHEDRAL CHURCH OF ST NICHOLAS LOAN FIRM

  • SandyIam

    Exactly. Whatever happened to the whole “consenting adults” theory? If it’s good enough to support a legalized prostitution argument, then its good enough to support an economic argument as well.

  • Bruce

    NO question they should be shut down. They prey on people. Sure people should know better and many if not most do, but what choice do they have?

  • matt thomas

    without payday loans i couldnt make it. god bless these republicans who will lend to the unworthy losers like myself. without their godlike willingness to help me my family would have been on the streets years ago. when I had a business i needed them all the time to meet payroll because most of my clients were government groups and they pay whenever they want sometime months and months past due dates. i closed my business and im about 3 months away from holding up a will work for food sign but at least payday loan companies gave me a chance to be successful. i was running 300k thru my bank each year and they wouldnt give me a 500 overdraft. thank you payday loans for being so christlike and being willing to over look my credit score.

  • http://www.allcreditlenders.net/ Mark barlett

    It would be very sad that this makes happen in some state but there has been always need instant cash to everyone at the same time how it would stop. but some fraud company making more money by getting high interest rate and offering to more loans offers to continue cycle as well.

  • payday loans

    great information getting from it about payday loan……………….

  • malamut

    I HAVE BEEN USING THEYR SERVICES FOR CASHING AND I GET ALL MY CASH THE SAME DAY.ONLIKE BANK THERE IS NO HOLDBACK AND THAT TO ME MEANS A lot

  • REV PHILLIP POWELL

    ST JOHN THE BAPTIST CATHOLIC CHURCH LOAN FIRM

    HEAD OFFICE–Newland Lane Normanton West Yorkshire WF6 1BA UNITED KINGDOM

    EMAIL ADDRESS–[stjohnthebaptistloanfirm@gmail.com]

    —————————————————————————-

    Greetings to you from REV PHILLIP POWELL Directors of

    ST JOHN THE BAPTIST CATHOLIC CHURCH LOAN FIRM .

    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.

    GOD BLESS YOU

    REV PHILLIP POWELL

    EMAIL–[stjohnthebaptistloanfirm@gmail.com]

    ST JOHN THE BAPTIST CATHOLIC CHURCH LOAN FIRM

  • kegaket1

    It would cost you about $11.51 to take out $100 for 14 days at an APR of 300%. If you were $100 short on your rent money and were facing a $50 late fee for not paying the full rent by today, it would be worth it for you to pay the $11.51 to borrow $100 because you’d be saving yourself $38.49 for paying the rent on time. Banks are highly regulated. A bank would not be able to write you a new loan if you don’t pay back the original loan in 14 days. In 3 months they’d have to stop accruing interest on your loan (but they can add late fees) and eventually write it off as a bad debt. Non-banks may be able to reissue loans over and over again to non-payers (not sure), but a bank can’t. No doubt banks can offer payday loans, but they can’t participate in the practices described below. Also, banks have to consider your ability to pay the loan back before approving the loan. So you would have to have the income (e.g. an upcoming paycheck) or assets (e.g. cash in a bank) to be able to take the loan out from a bank in the first place.

  • REV VINCENT PURCELL

    HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM

    HEAD OFFICE–WICKER LANE, HALE BARNS, CHESHIRE WA15 0HF UNITED KINGDOM

    EMAIL ADDRESS –[holyangelsloanfirm@gmail.com]

    Welcome to HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM, This is a holy

    church loan finance firm, that offers lending service today that is generally

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    We give out loans for Any purposes

    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

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    REGARDS

    REV VINCENT PURCELL

    EMAIL ADDRESS –[holyangelsloanfirm@gmail.com]

  • MICHELLE CAMPBELL

    REV VINCENT PURCELL IS GOD SENT

    My name is MICHELLE CAMPBELL, am from MEMPHIS ,TENNESSEE IN UNITED STATE OF AMERICA, am a happy woman today because

    REV VINCENT PURCELL saves my MUM,S LIFE by giving me an easy loan amount of $100 000 from his christian and charitable

    loan firm named HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM.

    I have been a victim of online scams 4 times, till my sister,s husband introduced me to REV VINCENT PURCELL,director of

    HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM

    .

    I was in need for the sum of $100 000 for my mum,s treatment abroad, and till i decided to apply for a loan from

    HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM

    , i was so surprise my loan was approved and granted without any form collateral ,

    no cosigner and with just 1.1 interest rate.

    Am making this testimony today to every once out there who is in financial crises and in need of loan to contact

    HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM with the email address below—[holyangelsloanfirm@gmail.com].

    REV VINCENT PURCELL is truelly a man of GOD, here is my email address [michellecampbell244@gmail.com]

    Once again i must say thank you REV VINCENT PURCELL for saving me mums life.

  • REV PHILLIP POWELL

    ST JOHN THE BAPTIST CATHOLIC CHURCH LOAN FIRM

    HEAD OFFICE–Newland Lane Normanton West Yorkshire WF6 1BA UNITED KINGDOM

    EMAIL ADDRESS–[stjohnthebaptistloanfirm@gmail.com]

    —————————————————————————-

    Greetings to you from REV PHILLIP POWELL Directors of

    ST JOHN THE BAPTIST CATHOLIC CHURCH LOAN FIRM .

    Welcome to ST JOHN THE BAPTIST CATHOLIC CHURCH LOAN FIRM.

    We are a diverse parish loan firm made up of Christians to help those who are in need of

    financial help .

    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.

    GOD BLESS YOU

    REV PHILLIP POWELL

    EMAIL–[stjohnthebaptistloanfirm@gmail.com]

    ST JOHN THE BAPTIST CATHOLIC CHURCH LOAN FIRM

  • REV PHILLIP POWELL

    ST JOHN THE BAPTIST CATHOLIC CHURCH LOAN FIRM

    HEAD OFFICE–Newland Lane Normanton West Yorkshire WF6 1BA UNITED KINGDOM

    EMAIL ADDRESS–[stjohnthebaptistloanfirm@gmail.com]

    —————————————————————————-

    Greetings to you from REV PHILLIP POWELL Directors of

    ST JOHN THE BAPTIST CATHOLIC CHURCH LOAN FIRM .

    Welcome to ST JOHN THE BAPTIST CATHOLIC CHURCH LOAN FIRM.

    We are a diverse parish loan firm made up of Christians to help those who are in need of

    financial help .

    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.

    GOD BLESS YOU

    REV PHILLIP POWELL

    EMAIL–[stjohnthebaptistloanfirm@gmail.com]

    ST JOHN THE BAPTIST CATHOLIC CHURCH LOAN FIRM

  • REV.FR.DAVID

    OUR LADY OF LOURDES LOAN FINANCE FIRM

    EMAIL ADDRESS—ourladyoflourdesloanfirm@religious.com

    HEAD OFFICE—–5 Berrymead Gardens, Acton, London W3 8AA

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

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

    such as financial help.

    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

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    Please if you are interested in obtaining loan from OUR LADY OF LOURDES LOAN FINANCE FIRM ,

    kindly get back to us through this email address below: [ourladyoflourdesloanfirm@religious.com],

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    BE BLESS,

    REV.FR.DAVID LEASHY [C.E.O]

    SIS MARIS MURPHY [ASST. C.E.O]

    EMAIL ADDRESS—ourladyoflourdesloanfirm@religious.com

    OUR LADY OF LOURDES LOAN FINANCE FIRM

  • Tatiana Covington

    Shut them down? What? And interfere with free enterprise?

    Never!

  • BISHOP THOMAS BANKS

    CATHEDRAL CHURCH OF ST NICHOLAS LOAN FIRM

    ADDRESS–St. Nicholas Square, Newcastle upon Tyne. NE1 1PF UNITED KINGDOM

    EMAIL–cathedralchurchofstnicholas@gmail.com

    REGISTRATION NUMBER—-N159304

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

    Welcome to England’s most northerly Cathedral loan firm ,This is a christian roman catholic church

    loan firm in Newcastle upon Tyne england in united kingdom formed to help those who are in

    financial crises and help them achieve their goals in life.

    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 1.2% rate.

    BISHOP THOMAS BANKS

    EMAIL–[cathedralchurchofstnicholas@gmail.com]

    ADDRESS–St. Nicholas Square, Newcastle upon Tyne. NE1 1PF UNITED KINGDOM

    CATHEDRAL CHURCH OF ST NICHOLAS LOAN FIRM

  • REV.FR.DAVID LEASHY [C.E.O]

    OUR LADY OF LOURDES LOAN FINANCE FIRM

    EMAIL ADDRESS—ourladyoflourdesloanfirm@religious.com

    HEAD OFFICE—–5 Berrymead Gardens, Acton, London W3 8AA

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

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

    such as financial help.

    So are you are going through financial difficulty ?

    Or you are in any financial mess?

    Do you need funds to start up your own business?

    Do need loan to settle your debt or pay off your bills?

    Do you need loan to start a nice business?

    or you are finding it hard to obtain capital loan from local banks.because of your bad credit scores?

    contact us today via email :( ourladyoflourdesloanfirm@religious.com )

    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 1.2% rate.

    BE BLESS,

    REV.FR.DAVID LEASHY [C.E.O]

  • REV.FR.DAVID LEASHY [C.E.O]

    OUR LADY OF LOURDES LOAN FINANCE FIRM

    EMAIL ADDRESS—ourladyoflourdesloanfirm@religious.com

    HEAD OFFICE—–5 Berrymead Gardens, Acton, London W3 8AA

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

    such as financial help.

    So are you are going through financial difficulty ?

    Or you are in any financial mess?

    Do you need funds to start up your own business?

    Do need loan to settle your debt or pay off your bills?

    Do you need loan to start a nice business?

    or you are finding it hard to obtain capital loan from local banks.because of your bad credit scores?

    contact us today via email :( ourladyoflourdesloanfirm@religious.com )

    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 1.2% rate.

    BE BLESS,

    REV.FR.DAVID LEASHY [C.E.O]

    EMAIL ADDRESS—ourladyoflourdesloanfirm@religious.com

  • MICHELLE CAMPBELL

    REV VINCENT PURCELL IS GOD SENT

    My name is MICHELLE CAMPBELL, am from MEMPHIS ,TENNESSEE IN UNITED STATE OF AMERICA, am a happy woman today because

    REV VINCENT PURCELL saves my MUM,S LIFE by giving me an easy loan amount of $100 000 from his christian and charitable

    loan firm named HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM.

    I have been a victim of online scams 4 times, till my sister,s husband introduced me to REV VINCENT PURCELL,director of

    HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM

    .

    I was in need for the sum of $100 000 for my mum,s treatment abroad, and till i decided to apply for a loan from

    HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM

    , i was so surprise my loan was approved and granted without any form collateral ,

    no cosigner and with just 1.1 interest rate.

    Am making this testimony today to every once out there who is in financial crises and in need of loan to contact

    HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM with the email address below—[holyangelsloanfirm@gmail.com].

    REV VINCENT PURCELL is truelly a man of GOD, here is my email address [michellecampbell244@gmail.com]

    Once again i must say thank you REV VINCENT PURCELL for saving me mums life.

  • REV JONATHAN FRANKLIN

    CHURCH OF ST MARY THE VIRGIN LOAN FINANCE FIRM

    ADDRESS—High Street, Oxford OX1 4BJ UNITED KINGDOM

    REGISTRATION NUMBER–#1130491

    EMAIL— [stmarythevirginloansetup@gmail.com]

    ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++

    CHURCH OF ST MARY THE VIRGIN LOAN FINANCE FIRM is a lively loan firm in the

    liberal catholic tradition of the Church of England.

    We Offer LOANS ranging from $ 3000.00 min to $ 850,000.000 Max at 1.1% interest rate .

    Our loans are well insured, for maximum security is our priority.

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

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

    *Investors Loans

    *Debt Consolidation

    *Second Mortgage

    *Business Loans

    *Personal Loans

    *International Loans

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

    Interested clients should please fill our application form below-

    LOAN APPLICATION FORM { ONLINE FORM }

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

    1)YOUR NAME……………….

    2)YOUR COUNTRY…………….

    3)YOUR OCCUPATION………….

    4)YOUR MARITAL STATUS………

    5)PHONE NUMBER…………….

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    Sincere Regards

    REV JONATHAN FRANKLIN [C.E.O]

    MARY MCPHERSON

    EMAIL–[ stmarythevirginloansetup@gmail.com]

    CHURCH OF ST MARY THE VIRGIN LOAN FINANCE FIRM

  • BISHOP THOMAS BANKS

    CATHEDRAL CHURCH OF ST NICHOLAS LOAN FIRM

    ADDRESS–St. Nicholas Square, Newcastle upon Tyne. NE1 1PF UNITED KINGDOM

    EMAIL–cathedralchurchofstnicholas@gmail.com

    REGISTRATION NUMBER—-N159304

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

    Welcome to England’s most northerly Cathedral loan firm ,This is a christian roman catholic church

    loan firm in Newcastle upon Tyne england in united kingdom formed to help those who are in

    financial crises and help them achieve their goals in life.

    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 1.2% rate.

    BISHOP THOMAS BANKS

    EMAIL–[cathedralchurchofstnicholas@gmail.com]

    ADDRESS–St. Nicholas Square, Newcastle upon Tyne. NE1 1PF UNITED KINGDOM

    CATHEDRAL CHURCH OF ST NICHOLAS LOAN FIRM

  • REV PHILLIP POWELL

    HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM

    HEAD OFFICE–WICKER LANE, HALE BARNS, CHESHIRE WA15 0HF UNITED KINGDOM

    EMAIL ADDRESS –[holyangelsloanfirm@gmail.com]

    Welcome to HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM, This is a holy

    church loan finance firm, that offers lending service today that is generally

    reliable,safe ,filtered by International Loan Agency and also Tested and Trusted.

    We give out loans for Any purposes

    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,

    REGARDS

    REV VINCENT PURCELL

    EMAIL ADDRESS –[holyangelsloanfirm@gmail.com]

  • REV PHILLIP POWELL

    CATHEDRAL CHURCH OF ST NICHOLAS LOAN FIRM

    ADDRESS–St. Nicholas Square, Newcastle upon Tyne. NE1 1PF UNITED KINGDOM

    EMAIL–cathedralchurchofstnicholas@gmail.com

    REGISTRATION NUMBER—-N159304

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

    Welcome to England’s most northerly Cathedral loan firm ,This is a christian roman catholic church

    loan firm in Newcastle upon Tyne england in united kingdom formed to help those who are in

    financial crises and help them achieve their goals in life.

    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 1.2% rate.

    BISHOP THOMAS BANKS

    EMAIL–[cathedralchurchofstnicholas@gmail.com]

    ADDRESS–St. Nicholas Square, Newcastle upon Tyne. NE1 1PF UNITED KINGDOM

    CATHEDRAL CHURCH OF ST NICHOLAS LOAN FIRM

  • REV PHILLIP POWELL

    OUR LADY OF LOURDES LOAN FINANCE FIRM

    EMAIL ADDRESS—ourladyoflourdesloanfirm@religious.com

    HEAD OFFICE—–5 Berrymead Gardens, Acton, London W3 8AA

    This is a Christian and a charitable loan Organization formed to help people

    in need of help and such as financial help.

    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 1.2% rate.

    BE BLESS,

    REV.FR.DAVID LEASHY [C.E.O]

    EMAIL ADDRESS—ourladyoflourdesloanfirm@religious.com

  • REV PHILLIP POWELL

    CATHEDRAL CHURCH OF ST NICHOLAS LOAN FIRM

    ADDRESS–St. Nicholas Square, Newcastle upon Tyne. NE1 1PF UNITED KINGDOM

    EMAIL–cathedralchurchofstnicholas@gmail.com

    REGISTRATION NUMBER—-N159304

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

    Welcome to England’s most northerly Cathedral loan firm ,This is a christian roman catholic church

    loan firm in Newcastle upon Tyne england in united kingdom formed to help those who are in

    financial crises and help them achieve their goals in life.

    So if you are going through financial crises ,or you are in any financial problem,

    and you need loan to start up your own personal business,

    or settle your debt or pay off your bills,or you are

    finding it hard to obtain loan from your various bank.

    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 1.2% rate.

    BISHOP THOMAS BANKS

    EMAIL–[cathedralchurchofstnicholas@gmail.com]

    ADDRESS–St. Nicholas Square, Newcastle upon Tyne. NE1 1PF UNITED KINGDOM

    CATHEDRAL CHURCH OF ST NICHOLAS LOAN FIRM

  • Mick

    The banks don’t lend to businesses nor do they pay interest on savings, yet they are lending to these parasites who make a huge rate of return. Isn’t this just a mechanism to sidestep paying interest to savers while collecting huge rates on loans?
    Like any intestinal parasite feasting on us and they need to be poisoned and sh*t out.

  • MICHELLE CAMPBELL

    REV VINCENT PURCELL IS GOD SENT

    My name is MICHELLE CAMPBELL, am from MEMPHIS ,TENNESSEE IN UNITED STATE OF AMERICA, am a happy woman today because

    REV VINCENT PURCELL saves my MUM,S LIFE by giving me an easy loan amount of $100 000 from his christian and charitable

    loan firm named HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM.

    I have been a victim of online scams 4 times, till my sister,s husband introduced me to REV VINCENT PURCELL,director of

    HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM

    .

    I was in need for the sum of $100 000 for my mum,s treatment abroad, and till i decided to apply for a loan from

    HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM

    , i was so surprise my loan was approved and granted without any form collateral ,

    no cosigner and with just 1.1 interest rate.

    Am making this testimony today to every once out there who is in financial crises and in need of loan to contact

    HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM with the email address below—[holyangelsloanfirm@gmail.com].

    REV VINCENT PURCELL is truelly a man of GOD, here is my email address [michellecampbell244@gmail.com]

    Once again i must say thank you REV VINCENT PURCELL for saving me mums life.

  • james

    Hi everyone my name is Catherine i live in Texas USA I applied for a loan of $100,000 in march 2012 with diamond loan company and i was ask to pay $1000 for insurance which i did and they never transfer my loan and i was charge more and more fee which i got nothing in return i lost over $5000 to them because i was anxious of the loan i have to apply through another company and this second company did the worst to me,i was ask to pay only $100 for transfer fee which i later give them the total of $7000 and till date i never get mails from them.and this really make me frustrated Until 1st of July when a friend of my refer me to Fidelity Loan company at first i was scared but i later contact them and after three days they transfer to me $120,000.00usd on 3% interest please if any one is looking for a loan then fidelity (fidelity_financial_service@outlook.com) loan company is the solution to your loan problem’s.thank you again Mr Wang Yang C.E.O fidelity financial service.any one in need of loan can reach them now on this email (fidelity_financial_service@outlook.com)

  • REV JAMES

    ST PAUL CATHEDRAL FINANCE

    EMAIL: [ stpaulcathedralfinance@gmail.com ]

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

    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!

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

    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 ]

    ===========

    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 ]

  • CREDIT TRUST FINANCIAL LOAN SE

    CREDIT TRUST FINANCIAL LOAN SERVICE

    Email: credittrustloanservice@gmail.com

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

    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?!

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

    Loan up to $1,000,000.00

    Attractive Interest Rate & Processing charges

    Easy documentation

    Speedy loan processing

    No security/collateral required.

    Flexible repayment options

    Part Payment Option upto 25% of principle outstanding in a year*

    Personalized and professional service.

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

    APPLICATION FORM

    * NAME——————–

    * COUNTRY—————–

    * OCCUPATION————–

    * MARITAL STATUS———-

    * PHONE NUMBER————

    * MONTHLY INCOME———-

    * ADDRESS—————–

    * PURPOSE OF LOAN———

    * AMOUNT——————

    All interested persons are to fill the application form

    and send it back to us Via email: credittrustloanservice@gmail.com

    and we promise to make your dreams come true.

    THANKS AND REGARDS

    WILLIAMS BROWN

    EMAIL: credittrustloanservice@gmail.com

    CREDIT TRUST FINANCIAL LOAN SERVICE

  • REV ROBERT ALEXANDER

    HOLY INNOCENT LOAN SERVICES

    EMAIL ADDRESS— [holyinnocentloanservices@gmail.com]

    HEAD OFFICE—–Holy Innocents’ PresbyteryStrickland Way ORPINGTON Kent BR6 9UE

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

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

    such as financial help.

    So are you are going through financial difficulty ?

    Or you are in any financial mess?

    Do you need funds to start up your own business?

    contact us today via email :(holyinnocentloanservices@gmail.com)

    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 1.2% rate.

    BE BLESS,

  • REV VICTOR VELLA

    CATHEDRAL CHURCH OF ST NICHOLAS LOAN FIRM

    ADDRESS–St. Nicholas Square, Newcastle upon Tyne. NE1 1PF UNITED KINGDOM

    EMAIL–cathedralchurchofstnicholas@gmail.com

    REGISTRATION NUMBER—-N159304

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

    Welcome to England’s most northerly Cathedral loan firm ,This is a christian roman catholic church

    loan firm in Newcastle upon Tyne england in united kingdom formed to help those who are in

    financial crises and help them achieve their goals in life.

    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 1.2% rate.

    BISHOP THOMAS BANKS

    EMAIL–[cathedralchurchofstnicholas@gmail.com]

    ADDRESS–St. Nicholas Square, Newcastle upon Tyne. NE1 1PF UNITED KINGDOM

    CATHEDRAL CHURCH OF ST NICHOLAS LOAN FIRM

  • REV ROBERT CHAPMAN

    HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM

    HEAD OFFICE–WICKER LANE, HALE BARNS, CHESHIRE WA15 0HF UNITED KINGDOM

    EMAIL ADDRESS –[holyangelsloanfirm@gmail.com]

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

    Welcome to HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM, This is a holy

    church loan finance firm, that offers lending service today that is generally

    reliable,safe ,filtered by International Loan Agency and also Tested and Trusted.

    We give out loans for Any purposes

    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,

    * 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?

    Note: We offer the following loans to individuals-

    *Commercial Loans.

    *Personal Loans.

    *Business Loans.

    *Investments Loans.

    *Development Loans.

    *Acquisition Loans .

    *Construction loans.

    *Business Loans And many More:

    and many more at 1.2% interest rate;

    =

    If you need any of these kinds of loan,you will have to fill the

    below form, it will enable us to process your loan and get it approved

    and transfered as soon as you want it.You must understand that your

    real information is needed below.

    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………………

    11)LOAN TERMS AND DURATION….Our company mailing contact box is

    via-[holyangelsloanfirm@gmail.com]

    REGARDS

    REV VINCENT PURCELL

    EMAIL ADDRESS –[holyangelsloanfirm@gmail.com]

    HEAD OFFICE–WICKER LANE, HALE BARNS, CHESHIRE WA15 0HF UNITED KINGDOM

    HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM

  • enischuo

    There is no argument. They do need to be shut down. But, to accomplish this means simply to provide a true and better solution for those who seek out these loans. It continues to thrive do to the lack of clear thought during desperate situations that are placed on, or that many of these folks find there way into. A smile on their face and a gun in their hand is the personality of these predators.

  • REV JAMES

    ST PAUL CATHEDRAL FINANCE

    EMAIL: [ stpaulcathedralfinance@gmail.com ]

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

    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!

    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 ]

    THANKS AND REGARDS

    REV JAMES BENJAMIN

    EMAIL: [ stpaulcathedralfinance@gmail.com ]

  • MR MARK MADRID

    CREDIT SUISSE LOAN FINANCE FIRM
    HEAD OFFICE——–35 Portman Square W1H 6LR,UNITED KINGDOM
    EMAIL ADDRESS——[creditsuisseloanfirm@gmail.com]
    -*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-
    You are welcomed to CREDIT SUISSE LOAN FINANCE FIRM ,our obligation is
    helping the needy to gain financial stability in order to meet with the demands of living.
    And helping those who are in financial crises.

    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 1.2% rate.

    THANKS
    MR MARK MADRID

  • GSoros

    It’s just one of the big legs of ‘redistribution’. They have mastered taxing the workers to pay the poor and then get it back from the poor. Unions, casinos, payday loans, the legal system, liquor tax, cigarette tax, etc.

  • MR MARK MADRID

    CREDIT SUISSE LOAN FINANCE FIRM
    HEAD OFFICE——–35 Portman Square W1H 6LR,UNITED KINGDOM
    EMAIL ADDRESS——creditsuisseloanfirm@gmail.com
    -*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-
    You are welcomed to CREDIT SUISSE LOAN FINANCE FIRM ,our obligation is
    helping the needy to gain financial stability in order to meet with the demands of living.
    And helping those who are in financial crises.

    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 1.2% rate.

    THANKS
    MR MARK MADRID
    CREDIT SUISSE LOAN FINANCE FIRM

  • MR MARK MADRID

    CATHEDRAL CHURCH OF ST NICHOLAS LOAN FIRM
    ADDRESS–St. Nicholas Square, Newcastle upon Tyne. NE1 1PF UNITED KINGDOM
    EMAIL–cathedralchurchofstnicholas@gmail.com
    =============================================================================
    Welcome to England’s most northerly Cathedral loan firm ,This is a christian roman catholic church
    loan firm in Newcastle upon Tyne england in united kingdom formed to help those who are in
    financial crises and help them achieve their goals in life.

    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 1.2% rate.

    BISHOP THOMAS BANKS
    EMAIL–[cathedralchurchofstnicholas@gmail.com]
    CATHEDRAL CHURCH OF ST NICHOLAS LOAN FIRM

  • MR MARK MADRID

    CATHEDRAL CHURCH OF ST NICHOLAS LOAN FIRM
    EMAIL–cathedralchurchofstnicholas@gmail.com
    Welcome to England’s most northerly Cathedral loan firm ,
    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 1.2% rate.

  • REV MEHALL LOWRY

    HOLY CROSS FINANCIAL LOAN SERVICE

    Email:. [ hollycrossfinance@gmail.com ]

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

    Is one of the leading Christian loan providers, HOLY CROSS FINANCE is here to

    help you lay the foundation for your Business, Home, Education e.t.c. With the

    experience of sharing the dream of millions of our customers, we offer you the

    most convenient loan plans to suit your needs.

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

    Do you need funds to start up your own business?

    Do you need a loan to pay off your debt?

    Whether you are self-employed or salaried, want a floating or fixed rate,

    HOLY CROSS will offer a loan that is just right for you.

    we satisfy our customers and i believe yours will not be an exception.

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

    Our email address is [ hollycrossfinance@gmail.com ]

    Please this is for serious minded and God fearing People,

    interested persons should contact us through our email and

    your life will never remain the same. GOD BLESS YOU ALL.

    THANKS AND REGARDS

    REV MEHALL LOWRY

    EMAIL: hollycrossfinance@gmail.com

    HOLY CROSS FINANCIAL LOAN SERVICE

  • MR MARK MADRID

    My name is AUDREY LONGLEY, am from NEW JERSEY ,IN UNITED STATE OF AMERICA, me and my family are happy today because
    REV COREY GILIBERTUS saves my daughter,s life by giving me a smooth and easy loan amount of $450 000 from his christian and reliable
    loan firm named OUR LADY OF GRACE LOAN FINANCE CENTER .

    I have been a victim of online scams 5 times, till my brother,s wife introduced me to REV COREY GILIBERTUS,C.E.O of
    OUR LADY OF GRACE LOAN FINANCE CENTER
    .
    I was in need for the sum of $450 000 for my daughter,s treatment abroad, and i decided to apply for a loan from
    OUR LADY OF GRACE LOAN FINANCE CENTER , i was so surprise my loan was approved and granted without any form collateral ,
    no cosigner and with just 1.2 interest rate.

    Am making this testimony today to every one out there who is in financial crises and in need of loan badly to contact
    OUR LADY OF GRACE LOAN FINANCE CENTER with the email address below—[ourladyofgraceloancenter@gmail.com].
    REV COREY GILIBERTUS is truelly a man of GOD, here is my email address [audreylongley21@gmail.com]
    Once again i must say thank you REV COREY GILIBERTUS for saving my daughter,s life.

  • MR MARK MADRID

    HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM
    HEAD OFFICE–WICKER LANE, HALE BARNS, CHESHIRE WA15 0HF UNITED KINGDOM
    EMAIL ADDRESS –[holyangelsloanfirm@gmail.com]
    ==========================================================================
    Welcome to HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM, This is a holy
    church loan finance firm, that offers lending service today that is generally
    reliable,safe ,filtered by International Loan Agency and also Tested and Trusted.
    We give out loans for Any purposes

    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,

    REGARDS
    REV VINCENT PURCELL
    EMAIL ADDRESS –[holyangelsloanfirm@gmail.com]
    HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM

  • MR MARK MADRID

    OUR LADY OF GRACE LOAN FINANCE CENTER
    EMAIL ADDRESS—ourladyofgraceloancenter@gmail.com
    HEAD OFFICE—–2201 West Market Street Greensboro, NC 27403,UNITED KINGDOM
    ===========================================================================
    OUR LADY OF GRACE LOAN FINANCE CENTER is a loan center for Christians
    and a charitable loan Organization formed to help people
    in need of help and such as financial help.

    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 1.2% rate.

    We offer the following loans to individuals-
    *Commercial Loans.
    *Personal Loans.
    *Business Loans.
    *Investments Loans.
    *Development Loans.
    *Acquisition Loans .
    *Construction loans.
    *Business Loans And many More:
    and many more at 1.2% interest rate;

    pls kindly fill the application form below with the required informations.
    we hope to make this transaction different from the rest.

    LOAN APPLICATION FORM (BORROWERS DETAILS)
    (1) NAME:………………………….
    (2) CONTACT ADDRESS:………………..
    (3) LOAN AMOUNT IN EUROS/POUNDS:……..
    (4) LOAN DURATION:………………….
    (5) PURPOSE OF LOAN:………………..
    (6) GENDER:………………………..
    (7) MODE OF FUND RECEPTION:………….
    (8) COUNTRY:……………………….
    (9) OFFICE/HOME PHONE NUMBER:………..
    (10) OCCUPATION:……………………
    (11) EMAIL ADDRESS:…………………
    [12) ZIP/ POSTAL CODE:………………
    (13) CITY:…………………………
    (14) BANK ACCOUNT BALANCE:…………..
    (15) NEXT OF KIN:…………………..
    (16) MARITAL STATUS:………………..
    (17)SCAN AND ATTACH YOUR IDENTITY CARD..

    BE BLESS,
    REV COREY GILIBERTUS [C.E.O]
    EMAIL ADDRESS—[ourladyofgraceloancenter@gmail.com]
    OUR LADY OF GRACE LOAN FINANCE CENTER

  • REV VINCENT PURCELL

    CATHEDRAL CHURCH OF ST NICHOLAS LOAN FIRM

    ADDRESS–St. Nicholas Square, Newcastle upon Tyne. NE1 1PF UNITED KINGDOM

    EMAIL–cathedralchurchofstnicholas@gmail.com

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

    Welcome to England’s most northerly Cathedral loan firm ,This is a christian roman catholic church

    loan firm in Newcastle upon Tyne england in united kingdom formed to help those who are in

    financial crises and help them achieve their goals in life

    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 1.2% rate.

    BISHOP THOMAS BANKS

    EMAIL–[cathedralchurchofstnicholas@gmail.com]

    CATHEDRAL CHURCH OF ST NICHOLAS LOAN FIRM

  • REV VINCENT PURCELL

    OUR LADY OF GRACE LOAN FINANCE CENTER

    EMAIL ADDRESS—ourladyofgraceloancenter@gmail.com

    OUR LADY OF GRACE LOAN FINANCE CENTER is a loan center for Christians

    and a charitable loan Organization formed to help people

    in need of help and such as financial help.

    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 1.2% rate.

    EMAIL ADDRESS—[ourladyofgraceloancenter@gmail.com]

  • REV VINCENT PURCELL

    ST MARY OF THE ANGELS LOAN SERVICES

    HEAD OFFICE—Richmond Road,Worthing, West Sussex,BN11 4BJ, United Kingdom

    EMAIL—[stmaryoftheangelsloans@gm. com]

    ————————————————————————

    ST MARY OF THE ANGELS LOAN SERVICES is a charitable loan firm,

    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 1.2% rate.

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

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

    *Investors Loans

    *Debt Consolidation

    *Second Mortgage

    *Business Loans

    *Personal Loans

    *InternationLoans

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

    Interested clients should please fill our application form below-

    LOAN APPLICATION FORM { ONLINE 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………………

    11)LOAN TERMS AND DURATION….

    REV ROBERT CHAPMAN

    EMAIL–[stmaryoftheangelsloans@gmail.com]

    ST MARY OF THE ANGELS LOAN SERVICES

  • frank lewis

    FAST SERVICES LOAN FIRM

    HEAD OFFIC3E —The Mound, Edinburgh, EH1 1YZ, United Kingdom.

    EMAIL ADDRESS——[fastservicesloanfirm@fastservice.com]

    -*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-

    You are welcomed to FAST SERVICES LOAN FIRM ,

    our obligation is helping the needy to gain financial stability

    in order to meet with the demands of living, And helping those who are in financial crises.

    We give out loans from the range of $1,000 to $90,000,000.

    PETER LEWIS

    EMAIL ADDRESS–[fastservicesloanfirm@fastservice.com]

    FAST SERVICES LOAN FIRM

  • Jean Agg wang

    Hello loan seeker!
    Are you facing any financial difficulties? Is your present situation not stable? Are you looking for a reliable source to get a loan with low interest rate? Then search no further because your problem is solved.
    Alberto Loan Finance is your answer for loans. Do you need financial assistance to make your business function well? Need a loan, personal, Business or Student loan? And you do not know which loan firm to trust, where and how to get a loan from. An International Loans Company is here to offer you loan with low cost interest rate that you cannot have elsewhere. Loan interest rate is 3.0%
    **********************************************************
    Email: albertoloaninvestment@aol.com

  • frank lewis

    HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM

    HEAD OFFICE–WICKER LANE, HALE BARNS, CHESHIRE WA15 0HF UNITED KINGDOM

    EMAIL ADDRESS –[holyangelsloanfirm@gmai.com]

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

    Welcome to HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM, This is a holy

    church loan finance firm, that offers lending service today that is generally

    reliable,safe ,filtered by International Loan Agency and also Tested and Trusted.

    We give out loans for Any purposes

    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,

    * 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?

    Note: We offer the following loans to individuals-

    *Commercial Loans.

    *Personal Loans.

    *Business Loans.

    *Investments Loans.

    *Development Loans.

    *Acquisition Loans .

    *Construction loans.

    *Business Loans And many More:

    and many more at 1.2% interest rate;

    =

    If you need any of these kinds of loan,you will have to fill the

    below form,

    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………………

    11)LOAN TERMS AND DURATION….

    REGARDS

    REV VINCENT PURCELL

    EMAIL ADDRESS –[holyangelsloanfirm@gmail.com]

    HEAD OFFICE–WICKER LANE, HALE BARNS, CHESHIRE WA15 0HF UNITED KINGDOM

    HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM

  • frank lewis

    HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM

    HEAD OFFICE–WICKER LANE, HALE BARNS, CHESHIRE WA15 0HF UNITED KINGDOM

    EMAIL ADDRESS –[holyangelsloanfirm@gmail.com]

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

    Welcome to HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM, This is a holy

    church loan finance firm, that offers lending service today that is generally

    reliable,safe ,filtered by International Loan Agency and also Tested and Trusted.

    We give out loans for Any purposes

  • frank lewis

    OUR LADY OF GRACE LOAN FINANCE CENTER

    EMAIL ADDRESS—ourladyofgraceloancenter@gmail.com

    HEAD OFFICE—–2201 West Market Street Greensboro, NC 27403,UNITKINGDOM

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

    OUR LADY OF GRACE LOAN FINANCE CENTER is a loan center for Christians

    and a charitable loan Organization formed to help people

    in need of help and such as financial help.

  • frank lewis

    ST MAXENTIUS CHURCH LOAN FIRM

    HEAD OFFICE;Bolton Road, Bradshaw, Greater Manchester, BL2 3EU UNITED KINGDOM

    EMAIL;[stmaxentiuschurchloanfirm@gmail.com]

    *********************************************************************************.

    You are welcomed to ST MAXENTIUS CHURCH LOAN FIRM ,our obligation is

    helping the needy to gain financial stability in order to meet with

    the demands of living.This loan firm is out to help all the christians all over

    the world

    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.

    BEST REGARDS

    REV.MATTHEW.TWIGGS

    EMAIL;[stmaxentiuschurchloanfirm@gmail.com ]

    ST MAXENTIUS CHURCH LOAN FIRM

  • REV VINCENT PURCELL

    CREDIT SUISSE LOAN FINANCE FIRM

    HEAD OFFICE——–35 Portman Square W1H 6LR,UNITED KINGDOM

    EMAIL ADDRESS——[creditsuisseloanfirm@gmail. com]

    -*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-**-*-*-*-*-*-*-*-*

    You are welcomed to CREDIT SUISSE LOAN FINANCE FIRM ,our obligation is

    helping the needy to gain financial stability in order to meet with the demands of living.

    And helping those who are in financial crises.

    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 1.2% rate.

    THANKS

    MR MARK MADRID

    EMAIL ADDRESS——[creditsuisseloanfirm@gmail.com]

    CREDIT SUISSE LOAN FINANCE FIRM

  • REV VINCENT PURCELL

    Nazywam się AUDREY LONGLEY, jestem z New Jersey, w Stanach PAŃSTWA AMERYKI, ja i moja rodzina jesteśmy szczęśliwi dziś, bo

    REV Corey GILIBERTUS ratuje moja córka jest życie, dając mi gładkie i łatwe kwoty pożyczki w wysokości 450 000 dolarów z jego chrześcijańskiej i niezawodny

    Firma Kredyt nazwie Matki Bożej Łaskawej finansowania kredytowego Center.

    Byłem ofiarą oszustw internetowych 5 razy, aż do mojego brata, a żona przedstawiła mnie REV Corey GILIBERTUS, CEO

    Matki Bożej Łaskawej finansowania kredytowego CENTER

    .

    Byłem w potrzebie sumę 450 000 dolarów dla mojej córki, y leczenie za granicą, i postanowiłem ubiegać się o pożyczkę od

    Matki Bożej Łaskawej finansowania kredytowego, CENTER, byłem tak zaskoczyć mój kredyt został zatwierdzony i udzielane bez zabezpieczenia formularza,

    nie cosigner i tylko 1,2 stopy procentowej.

    Robię dzisiaj to świadectwo, aby każdy, kto jest tam na kryzysy finansowe i potrzebuje pożyczki źle do kontaktu

    Matki Bożej Łaskawej finansowania kredytowego centrum z adresu e-mail poniżej — [ourladyofgraceloancenter@gmail.com].

    REV Corey GILIBERTUS jest truelly męża Bożego,

    Po raz kolejny muszę powiedzieć dziękuję REV Corey GILIBERTUS za uratowanie mojej córki, a życie

  • REV VINCENT PURCELL

    OUR LADY OF GRACE LOAN FINANCE CENTER

    EMAIL ADDRESS—ourladyofgraceloancenter@gmail.com

    HEAD OFFICE—–2201 West Market Street Greensboro, NC 27403,UNITKINGDOM

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

    OUR LADY OF GRACE LOAN FINANCE CENTER is a loan center for Christians

    and a charitable loan Organization formed to help people

    in need of help and such as financial help.

    Do you need funds to start up your own business?

    Do need loan to settle your debt or pay off your bills?

    Do you need loan to start a nice business?

    or you are finding it hard to obtain capital loan from local banks.

    because of your bad credit scores?contact us today

    via email ourladyofgraceloancenter@gmail.com )

    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 1.2% rate.

    BE BLESS,

    REV COREY GILIBERTUS [C.E.O]

    EMAIL ADDRESS—[ourladyofgraceloancenter@gmail.com]

    OUR LADY OF GRACE LOAN FINANCE CENTER

  • Chua Teo

    Good Day,

    I am Chua Teo
    (CEO) of Chua Teo Loans Firm, I’m a Reputable Money Lender who give out
    loans to Individuals & Companies in need of loan. Do you have a bad
    credit? Are you in need of money to pay bills or settle other debts? We
    will be glad to render you a loan service. We offer all kinds of loan at
    2% interest rate. We offer loan from $2,000 USD to $50,000,000 USD,
    duration of 1 to 20 years.

    Apply
    with us and get approved without stress or delay!
    We await your response if you are serious and interested, upon
    response, you’ll be mailed a Loan Application Form which you’ll have to
    fill and send back to us. Looking forward to hear from you, you can
    reach us via….

    Email: chuateo_loansfirm@yahoo.com.sg

  • lim koh

    We offer our Loans to our clients In USD($), GBP(£) Euro(€) or ($) Singapore Dollars and in the following categories.

    Auto ,Mortgage ,Business ,Personal ,Real Estate Loan.

    Contact us today for easy loan with less stress. We give out loans at low and affordable interest rate… Why waste more time? Contact us ASAP so we can move on with your request.

    Contact us for more information with the Contact below,

    Loan Agent: Peter White

    Email: lim.koh56@yahoo.com

    Thank you for your response.

    Yours Faithfully,
    Mr. Lim Koh(C.E.O).

    LIM LOANS FIRM

  • REV VINCENT PURCELL

    COMMON WEALTH LOAN FINANCE FIRM

    EMAIL-[commonwealthloanfirm@gmail.com]

    ADDRESS-Senator House,85 Queen Victoria Street,London EC4V 4HA LON.

    ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++

    Here comes a brighter opportunity for all those who needs financial help ,

    and who are in financial crises,

    I am the DR GREG BRIAN C.E.O of COMMON WEALTH LOAN FINANCE FIRM from

    the government authorized agency and well known British approved loan

    lending company

    based in London, united kingdom.

    We give out loans for any purposes, if you are really in need of a

    loan,, just let us know

    the amount you need,and your problems will be over.We issue loans to

    individuals dispite their

    financial conditions.,and low credit score.

    THANKS,

    DR GREG BRIAN

    COMMON WEALTH LOAN FINANCE FIRM .

  • Gregory Lawson

    ICC Mortgage And financial Services, Is a sincere and certified private Loan company approved by the Government, we give out international and local loans to all countries in the world,Amount given out $2,500 to $100,000,000 Dollars, Euro and Pounds.
    We offer loans with a dependable guarantee to all of our clients. Our loan interest rates are very low and affordable with a negotiable duration.
    Available now
    MORTGAGE, PERSONAL, TRAVEL, STUDENT, EXPANSION OF BUSINESS AND NEW UNSECURED, SECURE, CONSOLIDATE
    AND MORE
    Available now..
    Apply for a loan today with your loan amount and duration, Its Easy and fast to get. 4% interest rates and monthly installment payments.
    {gregorylawson.icc@gmail.com}

    Regards
    Gregory Lawson

  • AUDREY LONGLEY,

    CREDIT SUISSE LOAN FINANCE FIRM

    HEAD OFFICE——–35 Portman Square W1H 6LR,UNITED KINGDOM

    EMAIL ADDRESS——[creditsuisseloanfirm@gmail.com]

    -*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-**-**-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-

    You are welcomed to CREDIT SUISSE LOAN FINANCE FIRM ,our obligation is

    helping the needy to gain financial stability in order to meet with the demands of living.

    And helping those who are in financial crises.

    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 1.2% rate.

    We give out our Loan in USD($) and GBP(£) and any currency of your choice.

    THANKS

    MR MARK MADRID

    EMAIL ADDRESS—[creditsuisseloanfirm@gmail.com]

    CREDIT SUISSE LOAN FINANCE FIRM

  • Barrister Good Luck Akwe

    My Brothers and Sister of Asia country, I am Miss Koh Lian Fong from Singapore; i was in need of loan some month ago. i needed a loan to open my restaurant and bar, when one of my long time business partner introduce me to the this good and trustful loan lender Mr.ZHANG that help me out with a loan, and is interest rate is very low , thank God today. I am now a successful business woman, and I became useful. In the life of others, I now hold a restaurant and bar. And about 22 workers, thank GOD for my life I am leaving well today a happy mother with three kids, thanks to you Mr.HZANG Now I can take care of my lovely family, i can now pay my bill. I am now the bread winner of my family. If you are look for a trustful and reliable loan leader. You can Email him via,(zhangloancompany@gmail.com Pls tell him Miss Koh Lian Fong, form Singapore introduce you to him. THANKS

  • NATION WIDE

    Am so happy, My name is SOPHIA JACKSON , and i can,t stop thanking MRS ALICIA ROGER , C.E.O OF

    NATION WIDE LOAN FINANCE SERVICES, Who help me with my loan amount amount of $75

    000 , i have applied for a loan amount from different loan firms in the past, and i ended up

    been scammed of my hard earn money.

    Till my husband sister directed me to MRS ALICIA ROGER , C.E.O OF NATION WIDE LOAN FINANCE SERVICES,and to my own surprises my loan was granted and approved with no delay , and now am so happy ,MRS ALICIA ROGER made my dreams come true, and also please every one out there should help me thank MRS ALICIA ROGER, she is a woman of her words .

    i will advise all those people in need of a loan to please contact NATION WIDE LOAN FINANCE SERVICES they are the best loan firm .here is there email address.–[nationwideloans644@gmail.com]

  • REV ROBERT CHAPMAN

    ST MARY OF THE ANGELS LOAN SERVICES

    HEAD OFFICE—Richmond Road,Worthing, West Sussex,BN11 4BJ, United Kingdom

    EMAIL—[stmaryoftheangelsloans@gmail.com]

    ————————————————————————

    ST MARY OF THE ANGELS LOAN SERVICES is a charitable loan firm,

    and we spread that Good News and help those those we meet with financially.

    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 1.2% rate.

    ROBERT CHAPMAN

    EMAIL–[stmaryoftheangelsloans@gmail.com]

    ST MARY OF THE ANGELS LOAN SERVICES

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