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CIRCULARA Nr

CIRCULARA   Nr. 24 din 13 iulie 2005

pentru modificarea ratelor rezervelor minime obligatorii si modificarea anexelor la Regulamentul Bancii Nationale a Romaniei nr. 6/2002 privind regimul rezervelor minime obligatorii, astfel cum a fost modificat prin Circulara nr. 6/2005

ACT EMIS DE: BANCA NATIONALA A ROMANIEI

ACT PUBLICAT IN: MONITORUL OFICIAL  NR. 620 din 16 iulie 2005


SmartCity3


    In baza dispozitiilor art. 5 si 8 din Legea nr. 312/2004 privind Statutul Bancii Nationale a Romaniei,
    in aplicarea prevederilor art. 13 din Regulamentul Bancii Nationale a Romaniei nr. 6/2002 privind regimul rezervelor minime obligatorii, cu modificarile si completarile ulterioare,
    in temeiul art. 48 din Legea nr. 312/2004,

    Banca Nationala a Romaniei emite prezenta circulara.

    Art. 1
    Rata rezervei minime obligatorii pentru mijloacele banesti in valuta cu scadenta reziduala mai mare de 2 ani de la finele perioadei de observare si care nu prevad clauze contractuale referitoare la rambursari, retrageri, transferari anticipate, atrase pana la data de 23 februarie 2005 inclusiv, se stabileste la un nivel de 15% pentru perioada de aplicare 24 iulie - 23 august 2005 si la un nivel de 30% incepand cu perioada de aplicare 24 august - 23 septembrie 2005.
    Art. 2
    Incepand cu perioada de aplicare 24 august - 23 septembrie 2005 rata rezervei minime obligatorii pentru mijloacele banesti in moneda nationala cu scadenta mai mica de 2 ani de la finele perioadei de observare, pentru sumele in tranzit in moneda nationala si pentru mijloacele banesti in moneda nationala cu scadenta reziduala mai mare de 2 ani de la finele perioadei de observare, care prevad clauze contractuale referitoare la rambursari, retrageri, transferari anticipate, se stabileste la un nivel de 16% .
    Art. 3
    Celelalte rate ale rezervelor minime obligatorii raman nemodificate.
    Art. 4
    Incepand cu perioada de aplicare 24 august - 23 septembrie 2005, anexele nr. 1, 2 a), 2 b), 2 c), 2 d), 2 e) si 3 la Regulamentul Bancii Nationale a Romaniei nr. 6/2002 privind regimul rezervelor minime obligatorii, astfel cum a fost modificat prin Circulara Bancii Nationale a Romaniei nr. 6/2005 pentru modificarea si completarea Regulamentului Bancii Nationale a Romaniei nr. 6/2002 privind regimul rezervelor minime obligatorii, precum si pentru stabilirea ratelor rezervelor minime obligatorii si modificarea ratei dobanzii, platita la rezervele minime obligatorii constituite in dolari S.U.A., se modifica si se inlocuiesc cu anexele*) nr. 1, 2 a), 2 b), 2 c), 2 d) si 3 la prezenta circulara.
------------
    *) Anexele nr. 1, 2 a), 2 b), 2 c), 2 d) si 3 sunt reproduse in facsimil.

                    Presedintele Consiliului de Administratie
                        al Bancii Nationale a Romaniei,
                           MUGUR CONSTANTIN ISARESCU

    ANEXA 1

    Antetul institutiei de credit
    Data

                               BAZA DE CALCUL
               pentru mijloacele banesti in moneda nationala*)

                                                                       - RON -
 ______________________________________________________________________________
|Data*)|                           Elemente de pasiv                          |
|       |______________________________________________________________________|
|       |< 2 ani|> 2 ani,   |sume in    |> 2 ani,   |imprumuturi   |   Total   |
|       |       |care       |tranzit*)|care nu    |nerambursabile|           |
|       |       |prevad     |           |prevad     |              |           |
|       |       |clauze de  |           |clauze de  |              |           |
|       |       |rambursare,|           |rambursare,|              |           |
|       |       |retragere, |           |retragere, |              |           |
|       |       |transferare|           |transferare|              |           |
|       |       |anticipata |           |anticipata |              |           |
|_______|_______|___________|___________|___________|______________|___________|
|   0   |   1   |     2     |     3     |     4     |       5      |6=1+2+3+4+5|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
| Total |       |           |           |           |              |           |
|_______|_______|___________|___________|___________|______________|___________|
|Medie  |       |           |           |           |              |           |
|zilnica|       |           |           |           |              |           |
|_______|_______|___________|___________|___________|______________|___________|
    *) Asa cum au fost definite la art. 3 si 14 al prezentului regulament
    *) Zile calendaristice din perioada de observare
    *) - Sumele in tranzit incluse in baza de calcul a rezervelor minime obligatorii se refera la operatiunile intra si interbancare in care platitorul sau beneficiarul sumei este un client nebancar;
    - Suma este considerata in tranzit din momentul debitarii contului clientului nebancar platitor pana in momentul creditarii contului clientului nebancar beneficiar al sumei sau, alternativ, al contului clientului bancar, in cazul in care beneficiarul final al sumei are contul deschis la alta institutie de credit;
    - In baza de calcul intra soldul net creditor al conturilor in care sunt evidentiate sumele in tranzit;
    - Suma se afla in tranzit si este inclusa in baza de calcul a rezervelor minime obligatorii din momentul transferului unor sume de alte institutii de credit, fie prin contul de corespondent, fie prin contul deschis la Banca Nationala a Romaniei, pana in momentul creditarii contului clientului nebancar;
    - Nu se includ in calculul sumelor in tranzit platile efectuate de institutii de credit in numele propriu al acestora.

    ANEXA 2 a)

    Antetul institutiei de credit
    Data

                                BAZA DE CALCUL
                     pentru mijloacele banesti in EURO*)

                                                                  - mii euro -
 ______________________________________________________________________________
|Data*)|                           Elemente de pasiv                          |
|       |______________________________________________________________________|
|       |< 2 ani|> 2 ani,   |sume in    |> 2 ani,   |imprumuturi   |   Total   |
|       |       |care       |tranzit*)|care nu    |nerambursabile|           |
|       |       |prevad     |           |prevad     |              |           |
|       |       |clauze de  |           |clauze de  |              |           |
|       |       |rambursare,|           |rambursare,|              |           |
|       |       |retragere, |           |retragere, |              |           |
|       |       |transferare|           |transferare|              |           |
|       |       |anticipata |           |anticipata |              |           |
|_______|_______|___________|___________|___________|______________|___________|
|   0   |   1   |     2     |     3     |     4     |       5      |6=1+2+3+4+5|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
| Total |       |           |           |           |              |           |
|_______|_______|___________|___________|___________|______________|___________|
|Medie  |       |           |           |           |              |           |
|zilnica|       |           |           |           |              |           |
|_______|_______|___________|___________|___________|______________|___________|
    *) Asa cum au fost definite la art. 3, 7 si 14 al prezentului regulament
    *) Zile calendaristice din perioada de observare
    *) - Sumele in tranzit incluse in baza de calcul a rezervelor minime obligatorii se refera la operatiunile intra si interbancare in care platitorul sau beneficiarul sumei este un client nebancar;
    - Suma este considerata in tranzit din momentul debitarii contului clientului nebancar platitor pana in momentul creditarii contului clientului nebancar beneficiar al sumei sau, alternativ, al contului clientului bancar, in cazul in care beneficiarul final al sumei are contul deschis la alta institutie de credit;
    - In baza de calcul intra soldul net creditor al conturilor in care sunt evidentiate sumele in tranzit;
    - Suma se afla in tranzit si este inclusa in baza de calcul a rezervelor minime obligatorii din momentul transferului unor sume de alte institutii de credit, fie prin contul de corespondent, fie prin contul deschis la Banca Nationala a Romaniei, pana in momentul creditarii contului clientului nebancar;
    - Nu se includ in calculul sumelor in tranzit platile efectuate de institutii de credit in numele propriu al acestora.

    ANEXA 2 b)

    Antetul institutiei de credit
    Data

                                BAZA DE CALCUL
                  pentru mijloacele banesti in dolari S.U.A.*)

                                                         - mii dolari S.U.A. -
 ______________________________________________________________________________
|Data*)|                           Elemente de pasiv                          |
|       |______________________________________________________________________|
|       |< 2 ani|> 2 ani,   |sume in    |> 2 ani,   |imprumuturi   |   Total   |
|       |       |care       |tranzit*)|care nu    |nerambursabile|           |
|       |       |prevad     |           |prevad     |              |           |
|       |       |clauze de  |           |clauze de  |              |           |
|       |       |rambursare,|           |rambursare,|              |           |
|       |       |retragere, |           |retragere, |              |           |
|       |       |transferare|           |transferare|              |           |
|       |       |anticipata |           |anticipata |              |           |
|_______|_______|___________|___________|___________|______________|___________|
|   0   |   1   |     2     |     3     |     4     |       5      |6=1+2+3+4+5|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
| Total |       |           |           |           |              |           |
|_______|_______|___________|___________|___________|______________|___________|
|Medie  |       |           |           |           |              |           |
|zilnica|       |           |           |           |              |           |
|_______|_______|___________|___________|___________|______________|___________|
    *) Asa cum au fost definite la art. 3, 7 si 14 al prezentului regulament
    *) Zile calendaristice din perioada de observare
    *) - Sumele in tranzit incluse in baza de calcul a rezervelor minime obligatorii se refera la operatiunile intra si interbancare in care platitorul sau beneficiarul sumei este un client nebancar;
    - Suma este considerata in tranzit din momentul debitarii contului clientului nebancar platitor pana in momentul creditarii contului clientului nebancar beneficiar al sumei sau, alternativ, al contului clientului bancar, in cazul in care beneficiarul final al sumei are contul deschis la alta institutie de credit;
    - In baza de calcul intra soldul net creditor al conturilor in care sunt evidentiate sumele in tranzit;
    - Suma se afla in tranzit si este inclusa in baza de calcul a rezervelor minime obligatorii din momentul transferului unor sume de alte institutii de credit, fie prin contul de corespondent, fie prin contul deschis la Banca Nationala a Romaniei, pana in momentul creditarii contului clientului nebancar;
    - Nu se includ in calculul sumelor in tranzit platile efectuate de institutii de credit in numele propriu al acestora.

    ANEXA 2 c)

    Antetul institutiei de credit
    Data

                                BAZA DE CALCUL
                    pentru mijloacele banesti in valuta*)

                                 - echivalent mii euro sau mii dolari S.U.A. -
 ______________________________________________________________________________
|Data*)|                           Elemente de pasiv                          |
|       |______________________________________________________________________|
|       |< 2 ani|> 2 ani,   |sume in    |> 2 ani,   |imprumuturi   |   Total   |
|       |       |care       |tranzit    |care nu    |nerambursabile|           |
|       |       |prevad     |           |prevad     |              |           |
|       |       |clauze de  |           |clauze de  |              |           |
|       |       |rambursare,|           |rambursare,|              |           |
|       |       |retragere, |           |retragere, |              |           |
|       |       |transferare|           |transferare|              |           |
|       |       |anticipata |           |anticipata |              |           |
|_______|_______|___________|___________|___________|______________|___________|
|   0   |   1   |     2     |     3     |     4     |       5      |6=1+2+3+4+5|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
| Total |       |           |           |           |              |           |
|_______|_______|___________|___________|___________|______________|___________|
|Medie  |       |           |           |           |              |           |
|zilnica|       |           |           |           |              |           |
|_______|_______|___________|___________|___________|______________|___________|
|Curs de|       |           |           |           |              |           |
|schimb |       |           |           |           |              |           |
|_______|_______|___________|___________|___________|______________|___________|
    *) Se completeaza de catre institutiile de credit care au optat pentru mentinerea integrala a rezervei minime obligatorii in valuta in echivalent euro sau dolari S.U.A. Cuprinde elementele din anexele nr. 2.a si 2.b. plus elementele denominate in alte valute.
    *) Zile calendaristice din perioada de observare

    ANEXA 2 d)

    Antetul institutiei de credit
    Data

                                BAZA DE CALCUL
                  pentru mijloacele banesti in alte valute*)

                                 - echivalent mii euro sau mii dolari S.U.A. -
 ______________________________________________________________________________
|Data*)|                           Elemente de pasiv                          |
|       |______________________________________________________________________|
|       |< 2 ani|> 2 ani,   |sume in    |> 2 ani,   |imprumuturi   |   Total   |
|       |       |care       |tranzit    |care nu    |nerambursabile|           |
|       |       |prevad     |           |prevad     |              |           |
|       |       |clauze de  |           |clauze de  |              |           |
|       |       |rambursare,|           |rambursare,|              |           |
|       |       |retragere, |           |retragere, |              |           |
|       |       |transferare|           |transferare|              |           |
|       |       |anticipata |           |anticipata |              |           |
|_______|_______|___________|___________|___________|______________|___________|
|   0   |   1   |     2     |     3     |     4     |       5      |6=1+2+3+4+5|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
|_______|_______|___________|___________|___________|______________|___________|
| Total |       |           |           |           |              |           |
|_______|_______|___________|___________|___________|______________|___________|
|Medie  |       |           |           |           |              |           |
|zilnica|       |           |           |           |              |           |
|_______|_______|___________|___________|___________|______________|___________|
|Curs de|       |           |           |           |              |           |
|schimb |       |           |           |           |              |           |
|_______|_______|___________|___________|___________|______________|___________|
    *) Se completeaza de catre institutiile de credit care au optat pentru mentinerea separata a rezervei minime obligatorii in valuta in echivalent euro si dolari S.U.A. Cuprinde elementele denominate in alte valute, transformate in functie de optiunea formulata.
    *) Zile calendaristice din perioada de observare

    ANEXA 3

    Antetul institutiei de credit
    Data

          CALCULUL REZERVELOR MINIME OBLIGATORII IN PERIOADA DE APLICARE
                          ___________________________

    A. CONSTITUITE IN MONEDA NATIONALA

                                                                       - RON -
 ______________________________________________________________________________
|Nr. |          DATE DE FUNDAMENTARE           |Suma|Rata       |Nivel prevazut|
|crt.|                                         |    |rezervelor |al rezervelor |
|    |                                         |    |minime     |minime        |
|    |                                         |    |obligatorii|obligatorii   |
|____|_________________________________________|____|___________|______________|
|  0 |                    1                    |  2 |      3    |     4=2*3    |
|____|_________________________________________|____|___________|______________|
|  1.|Nivelul mediu al elementelor de pasiv cu |    |           |              |
|    |scadenta mai mica de 2 ani de la finele  |    |           |              |
|    |perioadei de observare                   |    |           |              |
|____|_________________________________________|____|___________|______________|
|  2.|Nivelul mediu al elementelor de pasiv cu |    |           |              |
|    |scadenta reziduala mai mare de 2 ani de  |    |           |              |
|    |la finele perioadei de observare care    |    |           |              |
|    |prevad clauze de rambursare, retragere,  |    |           |              |
|    |transferare anticipata                   |    |           |              |
|____|_________________________________________|____|___________|______________|
|  3.|Nivelul mediu al sumelor in tranzit      |    |           |              |
|____|_________________________________________|____|___________|______________|
|  4.|Nivelul mediu al elementelor de pasiv cu |    |           |              |
|    |scadenta reziduala mai mare de 2 ani de  |    |           |              |
|    |la finele perioadei de observare care nu |    |           |              |
|    |prevad clauze de rambursare, retragere,  |    |           |              |
|    |transferare anticipata                   |    |           |              |
|____|_________________________________________|____|___________|______________|
|  5.|Nivelul mediu al imprumuturilor          |    |           |              |
|    |nerambursabile                           |    |           |              |
|____|_________________________________________|____|___________|______________|
|  6.|NIVELUL PREVAZUT AL REZERVELOR MINIME    |  X |     x     |              |
|    |OBLIGATORII IN MONEDA NATIONALA:         |    |           |              |
|    |rd. 1 + rd. 2 + rd. 3 + rd. 4 + rd. 5    |    |           |              |
|____|_________________________________________|____|___________|______________|

    Antetul institutiei de credit
    Data

    B. CONSTITUITE IN EURO*)

                                                                  - mii euro -
 ______________________________________________________________________________
|Nr. |          DATE DE FUNDAMENTARE           |Suma|Rata       |Nivel prevazut|
|crt.|                                         |    |rezervelor |al rezervelor |
|    |                                         |    |minime     |minime        |
|    |                                         |    |obligatorii|obligatorii   |
|____|_________________________________________|____|___________|______________|
|  0 |                    1                    |  2 |      3    |     4=2*3    |
|____|_________________________________________|____|___________|______________|
|  1.|Nivelul mediu al elementelor de pasiv cu |    |           |              |
|    |scadenta mai mica de 2 ani de la finele  |    |           |              |
|    |perioadei de observare                   |    |           |              |
|____|_________________________________________|____|___________|______________|
|  2.|Nivelul mediu al elementelor de pasiv cu |    |           |              |
|    |scadenta reziduala mai mare de 2 ani de  |    |           |              |
|    |la finele perioadei de observare care    |    |           |              |
|    |prevad clauze de rambursare, retragere,  |    |           |              |
|    |transferare anticipata                   |    |           |              |
|____|_________________________________________|____|___________|______________|
|  3.|Nivelul mediu al sumelor in tranzit      |    |           |              |
|____|_________________________________________|____|___________|______________|
|  4.|Nivelul mediu al elementelor de pasiv cu |    |           |              |
|    |scadenta reziduala mai mare de 2 ani de  |    |           |              |
|    |la finele perioadei de observare care nu |    |           |              |
|    |prevad clauze de rambursare, retragere,  |    |           |              |
|    |transferare anticipata                   |    |           |              |
|____|_________________________________________|____|___________|______________|
|  5.|Nivelul mediu al imprumuturilor          |    |           |              |
|    |nerambursabile                           |    |           |              |
|____|_________________________________________|____|___________|______________|
|  6.|NIVELUL PREVAZUT AL REZERVELOR MINIME    |  x |     x     |              |
|    |OBLIGATORII IN VALUTA: rd. 1 + rd. 2 +   |    |           |              |
|    |+ rd. 3 + rd. 4 + rd. 5                  |    |           |              |
|____|_________________________________________|____|___________|______________|
    *) Se va completa in functie de optiunea formulata

    Antetul institutiei de credit
    Data

    C. CONSTITUITE IN DOLARI S.U.A.*)

                                                         - mii dolari S.U.A. -
 ______________________________________________________________________________
|Nr. |          DATE DE FUNDAMENTARE           |Suma|Rata       |Nivel prevazut|
|crt.|                                         |    |rezervelor |al rezervelor |
|    |                                         |    |minime     |minime        |
|    |                                         |    |obligatorii|obligatorii   |
|____|_________________________________________|____|___________|______________|
|  0 |                    1                    |  2 |      3    |     4=2*3    |
|____|_________________________________________|____|___________|______________|
|  1.|Nivelul mediu al elementelor de pasiv cu |    |           |              |
|    |scadenta mai mica de 2 ani de la finele  |    |           |              |
|    |perioadei de observare                   |    |           |              |
|____|_________________________________________|____|___________|______________|
|  2.|Nivelul mediu al elementelor de pasiv cu |    |           |              |
|    |scadenta reziduala mai mare de 2 ani de  |    |           |              |
|    |la finele perioadei de observare care    |    |           |              |
|    |prevad clauze de rambursare, retragere,  |    |           |              |
|    |transferare anticipata                   |    |           |              |
|____|_________________________________________|____|___________|______________|
|  3.|Nivelul mediu al sumelor in tranzit      |    |           |              |
|____|_________________________________________|____|___________|______________|
|  4.|Nivelul mediu al elementelor de pasiv cu |    |           |              |
|    |scadenta reziduala mai mare de 2 ani de  |    |           |              |
|    |la finele perioadei de observare care nu |    |           |              |
|    |prevad clauze de rambursare, retragere,  |    |           |              |
|    |transferare anticipata                   |    |           |              |
|____|_________________________________________|____|___________|______________|
|  5.|Nivelul mediu al imprumuturilor          |    |           |              |
|    |nerambursabile                           |    |           |              |
|____|_________________________________________|____|___________|______________|
|  6.|NIVELUL PREVAZUT AL REZERVELOR MINIME    |    |           |              |
|    |OBLIGATORII IN VALUTA: rd. 1 + rd. 2 +   |  x |     x     |              |
|    |+ rd. 3 + rd. 4 + rd. 5                  |    |           |              |
|____|_________________________________________|____|___________|______________|
    *) Se va completa in functie de optiunea formulata

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COMENTARII la Circulara 24/2005
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ANONIM a comentat Decretul 276 1997
    I Almost Lost All My Fonte To Divorce Get Help With WRAITH HACKERS RECOVERY Did you know that there are professional private investigators who can help you obtain information on your spouse, including texts/calls and erased messages if he/she attempts to act smart and deletes them? This can aid you with your divorce process, which the lawyer will require. Contact Wraith Hacker Recovery. They can follow their location using live GPS, monitor text messages, WhatsApp, and Snapchat, recover deleted conversations, and handle any issues. All of this is done with no traces. They will show you how they will hack and allow you access to SPY on their phone. https://wraithhackers.com/ https://t.me/wraithhacks Whatsapp number: +1 (667) 349-1550 Write to wraithhacks@protonmail.com
ANONIM a comentat Rectificare 158 2015
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ANONIM a comentat Ordin 335 2021
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ANONIM a comentat Ordin 38 2002
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ANONIM a comentat Ordin 1287 2007
    usually don’t comment on these threads but this one hit close. Short version: hired the dark web ethical hacking and cybersecurity firm CyberH4cks. com paid about $55k USD, never used a single file in court, still worth it. Longer version: my ex was telling everyone (including the kids) that I cheated, that she was the victim, etc. Meanwhile I had suspicions but nothing concrete. What made the military grade hackers at CyberH4cks different from local PIs was that they weren’t limited to Instagram screenshots and parking-lot photos. A lot of modern infidelity leaves digital exhaust in places most people never look encrypted comms, burner accounts, stuff that lives off the regular web. we eventually opened a case with them on telegram with cellphone number +1 551 414 8634 (@cyberh4cks) They explained (in plain English) that some of that intelligence only exists in dark-web forums and data brokers you access via Tor / onion routing. Again they did that part, not me. I never even asked for the raw material. Didn’t want it. All that mattered was that my ex found out an independent forensic team had already pieced together the timeline. After that? Completely different person. Cooperative. Reasonable. Quiet. The kids stopped hearing nonsense. Divorce wrapped fast. That’s what I paid for.
ANONIM a comentat Decretul 360 2017
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ANONIM a comentat Legea 266 2001
    How Marv Web Can Assist in Cryptocurrency Recovery The recovery of cryptocurrencies has been revolutionized by MARV Web. They are incredibly quick and effective, making sure that every procedure goes without a hitch. Their customer support is always accessible and friendly, and their service is unmatched in terms of dependability. I've never felt more confident or comfortable about my ability to properly recover my cryptocurrency holdings. Because of their exceptional quickness, dependability, and effectiveness in bitcoin recovery, MARV Web stands out in the industry and is highly recommended! They can be reached at: Email address: marv.web@mail.com WhatsApp;+601126730582 Web;https://marvweb9.wixsite.com/marv-web-crypto-expe
ANONIM a comentat Decizia 220 2018
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ANONIM a comentat Decizia 220 2018
    Buongiorno E-mail: giovannidinatale1954@­gmail.­com Offerte individuali in denaro da 2.000 a 5.200.000, con un tasso di interesse è rimborsabile del 3% in un periodo compreso tra 2 e 30 anni. Condizioni ragionevoli se la mia offerta ti interessa contattami di più rapidamente per discutere le modalità e documenti da fornire. giovannidinatale1954@­gmail.­com
ANONIM a comentat Decretul 358 1948
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