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Decizia Nr.602 din 20.09.2016

referitoare la excepţia de neconstituţionalitate a dispoziţiilor art. 13 alin. (1) din Legea nr. 193/2000 privind clauzele abuzive din contractele încheiate între profesionişti şi consumatori
ACT EMIS DE: Curtea Constitutionala
ACT PUBLICAT ÎN MONITORUL OFICIAL NR. 71 din 27 ianuarie 2017




Cu participarea reprezentantului Ministerului Public, procuror Ştefania Sofronea.1. Pe rol se află soluţionarea excepţiei de neconstituţionalitate a prevederilor art. 13 alin. (1) din Legea nr. 193/2000 privind clauzele abuzive din contractele încheiate între profesionişti şi consumatori, excepţie ridicată de Societatea Raiffeisen Bank - S.A. în Dosarul nr. 4.516/2/2015 al Tribunalului Bucureşti - Secţia a II-a contencios administrativ şi fiscal. Excepţia de neconstituţionalitate formează obiectul Dosarului Curţii Constituţionale nr. 756D/2016.2. La primul termen de judecată, din data de 7 iulie 2016, în prezenţa reprezentantului Ministerului Public, Curtea a luat în discuţie cererea de amânare a dezbaterilor formulată de autoarea excepţiei de neconstituţionalitate, întemeiată pe necesitatea asigurării dreptului la apărare şi dreptului la un proces echitabil, precum şi a dreptului de a lua cunoştinţă de considerentele Deciziei Curţii Constituţionale nr. 245 din 19 aprilie 2016 şi ale Deciziei Curţii Constituţionale nr. 353 din 24 mai 2016. În temeiul dispoziţiilor art. 14 din Legea nr. 47/1992, coroborate cu cele ale art. 222 alin. (1) din Codul de procedură civilă, Curtea a dispus amânarea dezbaterilor pentru data de 13 septembrie 2016, dispunând citarea părţilor din dosar. Dezbaterile din data de 13 septembrie 2016 au avut loc în prezenţa reprezentantului Ministerului Public şi a autoarei excepţiei de neconstituţionalitate şi au fost consemnate în încheierea de şedinţă de la acea dată, când Curtea a dispus, în temeiul art. 57 şi art. 58 alin. (3) din Legea nr. 47/1992, amânarea pronunţării asupra cauzei pentru data de 20 septembrie 2016, dată la care a pronunţat prezenta decizie.CURTEA,având în vedere actele şi lucrările dosarului, constată următoarele:3. Prin Încheierea din 19 aprilie 2016, pronunţată în Dosarul nr. 4.516/2/2015, Tribunalul Bucureşti - Secţia a II-a contencios administrativ şi fiscal a sesizat Curtea Constituţională cu excepţia de neconstituţionalitate a dispoziţiilor art. 13 alin. (1) din Legea nr. 193/2000 privind clauzele abuzive din contractele încheiate între profesionişti şi consumatori. Excepţia a fost ridicată de Societatea Raiffeisen Bank - S.A., într-o cauză având ca obiect acţiune în constatare.4. În motivarea excepţiei de neconstituţionalitate autoarea îşi structurează criticile de neconstituţionalitate prin raportare, pe de o parte, la dispoziţiile art. 15 alin. (2) din Constituţie şi, pe de altă parte, la dispoziţiile art. 1 alin. (4) şi art. 24 alin. (1) din Constituţie.5. Autoarea arată că, întrucât art. 13 alin. (1) din Legea nr. 193/2000 are în vedere toate contractele în curs de executare, indiferent dacă sunt încheiate înainte de 1 octombrie 2013 sau după această dată, se ridică probleme de retroactivitate a acestui text. Temeiul acestei susţineri este acela că se reevaluează conduita din trecut a profesionistului, acesta putând fi obligat să elimine clauzele din toate contractele, inclusiv cele încheiate înainte de data de 1 octombrie 2013, ceea ce legea în vigoare, la data încheierii contractelor, nu permitea. Prin aplicarea legii noi se ajunge, aşadar, la o altă consecinţă, la un alt mecanism al răspunderii, decât cel prevăzut de legea veche sub imperiul căreia au fost încheiate contractele.6. Autoarea excepţiei consideră că norma cuprinsă în art. 13 alin. (1) din Legea nr. 193/2000 nu este o normă de drept procedural, ci de drept substanţial. Consecinţa este aceea că nu este o normă de aplicaţie imediată, ci o normă care trebuie să se supună principiului constituţional al neretroactivităţii legii. Legiuitorul nu şi-a propus să ofere o reglementare nouă unor aspecte referitoare la procedură sau la efectele hotărârii judecătoreşti şi nici la buna administrare a justiţiei. Scopul urmărit de legiuitor a fost acela de a influenţa raporturile juridice de drept substanţial dintre profesionist şi consumator, prin obligarea profesionistului la modificarea contractelor. Art. 13 alin. (1) din Legea nr. 193/2000 dă expresie unei norme de răspundere a profesionistului, prin care se sancţionează o conduită la încheierea contractului şi care instituie în sarcina lui o obligaţie de a face, ca modalitate de reparaţie în natură, de natură să asigure restabilirea echilibrului contractual, prin eliminarea clauzei abuzive.7. Autoarea excepţiei susţine că expresia „în curs de executare" conţinută în norma supusă controlului nu poate conduce la concluzia că norma ar fi de imediată aplicare. Expresia „în curs de executare" nu înseamnă că fapta profesionistului ar avea un caracter continuu, ci se explică prin faptul că unele obligaţii decurgând din anumite contracte se execută prin prestaţii cu caracter succesiv. Cu alte cuvinte, nu există nicio diferenţă, sub aspectul săvârşirii faptei, între un contract de credit, de exemplu, în care se stipulează că rambursarea se face integral, la un anumit termen, contract ce ar conţine o clauză abuzivă, şi un contract de credit în care se stipulează că rambursarea se face eşalonat, pe parcursul mai multor ani. Fapta de stipulare a unei clauze pretins abuzive a fost săvârşită şi epuizată la momentul inserării clauzei respective în contract, fără ca prestaţiile succesive ale împrumutatului în contract să influenţeze momentul epuizării faptei profesionistului.8. Autoarea sesizării mai arată că din faptul că, la data adoptării unei noi reglementări, există contracte în curs de executare, nu rezultă că acestora trebuie să li se aplice noua reglementare. În susţinerea acestui punct de vedere, autoarea învederează că, în materie contractuală, principiul neretroactivităţii presupune aplicarea legii în vigoare la data încheierii contractului. Un contract, chiar în curs de executare, nu reprezintă o situaţie juridică în curs de formare, deoarece contractul a fost încheiat. De asemenea nu reprezintă nici o situaţie juridică de tip „statut", de natură să permită aplicarea legii noi şi efectelor viitoare. Noţiunea de „situaţie juridică" este una specială, legată fie de statutul persoanelor (starea civilă, capacitatea, căsătoria, filiaţia, adopţia, obligaţia de întreţinere), fie de statutul real (al bunurilor), precum raporturile de proprietate, inclusiv regimul general al bunurilor, şi raporturile de vecinătate. Art. 5 alin. (6) din Codul civil a clarificat noţiunea de „situaţie juridică", valorificând experienţa doctrinară şi jurisprudenţială în materie, iar ipoteza reglementată de art. 13 alin. (1) din Legea nr. 193/2000 nu poate să fie calificată drept o situaţie juridică, respectiv un „statut" personal sau real.9. În sfârşit, autoarea excepţiei precizează că imperativul implementării legislaţiei primare europene, în particular a Directivei 93/13/CEE a Consiliului din 5 aprilie 1993 privind clauzele abuzive în contractele încheiate cu consumatorii, publicată în Jurnalul Oficial al Uniunii Europene, seria L, nr. 95 din 21 aprilie 1993, urmărit de către legiuitor prin adoptarea art. 13 alin. (1) din Legea nr. 193/2000, nu este de natură să justifice aplicarea retroactivă a acestui text legal.10. Principiul separaţiei şi echilibrului puterilor în stat este încălcat, potrivit autoarei, de către puterea judecătorească. În susţinerea acestei opinii, autoarea pleacă de la premisa că, în măsura în care se consideră că norma supusă controlului de constituţionalitate are o natură procedurală, instanţele judecătoreşti vor putea aplica profesionistului sancţiuni care nu erau prevăzute în legislaţie la data încheierii unui contract anume, care face obiectul unui litigiu anume. Dar, într-o atare situaţie, obligându-l pe profesionist să modifice şi alte sute sau mii de contracte pe care acesta le-a încheiat, dar care nu au făcut obiectul unui litigiu, în care respectivele contracte să fie verificate de o instanţă judecătorească, judecătorul ar emite „dispoziţii general obligatorii", ceea ce este contrar principiului separaţiei şi echilibrului puterilor.11. Potrivit autoarei, încălcarea dreptului la apărare este generată de maniera defectuoasă în care este reglementată acţiunea în încetare, al cărei titular este Autoritatea Naţională pentru Protecţia Consumatorilor, şi contaminarea acesteia cu acţiunea în nulitate, pe care, oricum, consumatorul o are la îndemână.12. Tribunalul Bucureşti - Secţia a II-a contencios administrativ şi fiscal apreciază că excepţia de neconstituţionalitate este întemeiată. În motivarea acestei opinii, instanţa precizează că, dacă vechea reglementare se limita la înlăturarea clauzei abuzive din contractul care a făcut obiectul sesizării Autorităţii Naţionale pentru Protecţia Consumatorilor, noua reglementare este mult mai oneroasă pentru bancă, fiind necesar ca aceasta să modifice toate contractele ce conţin această clauză, chiar dacă acestea nu au făcut obiectul vreunei plângeri la Autoritatea Naţională pentru Protecţia Consumatorilor, deci chiar dacă niciun alt consumator nu s-a simţit lezat de existenţa acestei clauze. În condiţiile în care orice consumator are asigurat accesul la instanţa civilă pentru protejarea drepturilor sale, un astfel de efect aplicabil tuturor contractelor încheiate anterior intrării în vigoare a noilor dispoziţii este considerat de tribunal ca fiind excesiv şi contrar principiului neretroactivităţii legii.13. Potrivit art. 30 alin. (1) din Legea nr. 47/1992, încheierea de sesizare a fost comunicată preşedinţilor celor două Camere ale Parlamentului, Guvernului şi Avocatului Poporului, pentru aşi exprima punctele de vedere asupra excepţiei de neconstituţionalitate.14. Guvernul, în punctul său de vedere, consideră că excepţia de neconstituţionalitate este neîntemeiată. Textul criticat nu instituie o nouă sancţiune şi, deci, nu instituie o normă de drept material, ci o normă de drept procedural, care reglementează efectele unei hotărâri judecătoreşti. În aceste condiţii nu se poate reţine încălcarea principiului neretroactivităţii legii. Textul criticat nu încalcă principiul separaţiei puterilor în stat, câtă vreme nu instituie un drept al judecătorului de a emite dispoziţii general obligatorii, fiind menţinut rolul acestuia de a constata existenţa sau inexistenţa unei clauze abuzive în contractele de adeziune. De asemenea, Guvernul apreciază că aplicarea de către instanţe a unor sancţiuni în ceea ce priveşte contractele al căror conţinut nu a fost supus controlului acestora nu reprezintă o încălcare a dreptului fundamental la apărare. În acest sens este evocată doctrina juridică şi jurisprudenţa Curţii de Justiţie a Uniunii Europene.15. Preşedinţii celor două Camere ale Parlamentului şi Avocatul Poporului nu au comunicat punctele lor de vedere cu privire la excepţia de neconstituţionalitate.CURTEA,examinând actul de sesizare, raportul întocmit de judecătorul-raportor, punctul de vedere al Guvernului, notele scrise depuse la dosarul cauzei, susţinerile autoarei excepţiei, concluziile procurorului, dispoziţiile legale criticate, raportate la prevederile Constituţiei, precum şi Legea nr. 47/1992, reţine următoarele:16. Curtea a fost legal sesizată şi este competentă, potrivit dispoziţiilor art. 146 lit. d) din Constituţie, precum şi ale art. 1 alin. (2), ale art. 2, 3, 10 şi 29 din Legea nr. 47/1992, să soluţioneze excepţia de neconstituţionalitate.17. Obiectul excepţiei de neconstituţionalitate îl constituie dispoziţiile art. 13 alin. (1) din Legea nr. 193/2000 privind clauzele abuzive din contractele încheiate între profesionişti şi consumatori, republicată în temeiul prevederilor art. 80 din Legea nr. 76/2012 pentru punerea în aplicare a Legii nr. 134/2010 privind Codul de procedură civilă, publicată în Monitorul Oficial al Românei, Partea I, nr. 365 din 30 mai 2012, dându-se textelor o nouă numerotare. Textul criticat are următorul cuprins: „Instanţa, în cazul în care constată existenţa clauzelor abuzive în contract, obligă profesionistul să modifice toate contractele de adeziune în curs de executare, precum şi să elimine clauzele abuzive din contractele preformulate, destinate a fi utilizate în cadrul activităţii profesionale". Forma dispoziţiilor legale criticate a fost introdusă prin art. 38 pct. 2 al Legii nr. 76/2012, dispoziţii care au intrat în vigoare la 1 octombrie 2013, potrivit prevederilor Ordonanţei de urgenţă a Guvernului nr. 4/2013, publicate în Monitorul Oficial al României, Partea I, nr. 68 din 31 ianuarie 2013, astfel cum au fost modificate prin Legea nr. 214/2013 pentru aprobarea Ordonanţei de urgenţă a Guvernului nr. 4/2013 privind modificarea Legii nr. 76/2012 pentru punerea în aplicare a Legii nr. 134/2010 privind Codul de procedură civilă, precum şi pentru modificarea şi completarea unor acte normative conexe, publicată în Monitorul Oficial al României, Partea I, nr. 388 din 28 iunie 2013.18. În opinia autoarei excepţiei de neconstituţionalitate, prevederile legale criticate contravin dispoziţiilor constituţionale cuprinse în art. 1 alin. (4) privind principiul separaţiei puterilor în stat, în art. 15 alin. (2) privind principiul neretroactivităţii legii, cu excepţia legii penale şi contravenţionale mai favorabile şi în art. 24 alin. (1) privind dreptul la apărare.19. Analizând excepţia de neconstituţionalitate, Curtea consideră necesară, în prealabil, clarificarea raportului dintre, pe de o parte, dispoziţiile Legii nr. 193/2000 care conferă drepturi consumatorilor şi stabilesc, în mod corelativ, obligaţii în sarcina profesioniştilor şi, pe de altă parte, dispoziţiile acesteia care instituie remedii judiciare menite să asigure efectivitatea acestor raporturi de drept substanţial.20. Art.1 alin. (1) din Legea nr. 193/2000, potrivit căruia „Orice contract încheiat între profesionişti şi consumatori pentru vânzarea de bunuri sau prestarea de servicii va cuprinde clauze contractuale clare, fără echivoc, pentru înţelegerea cărora nu sunt necesare cunoştinţe de specialitate", instituie dreptul substanţial al consumatorilor de a nu avea inserate clauze abuzive în contracte şi obligaţia corelativă, negativă a profesioniştilor de a nu insera astfel de clauze în contracte. Dar Legea nr. 193/2000 nu se rezumă la a reglementa raporturile substanţiale dintre profesionişti şi consumatori, ci stabileşte şi norme procedurale, mai specific remedii judiciare. Relaţia dintre dreptul substanţial al consumatorilor şi aceste remedii este mediată de constatarea de către instanţa judecătorească a existenţei clauzelor abuzive. În sistemul Legii nr. 193/2000, unul şi acelaşi fapt, respectiv existenţa clauzelor abuzive în contracte, poate sta ca temei pentru o multitudine de remedii judiciare. Astfel, în măsura în care instanţa judecătorească va constata existenţa clauzelor abuzive, va putea dispune, în condiţii procesuale specifice fiecăruia dintre ele, unul sau mai multe dintre următoarele remedii: (a) rezilierea contractului, în măsura în care acesta nu îşi mai poate produce efectele după înlăturarea clauzelor considerate abuzive - art. 7 teza întâi; (b) obligarea profesionistului la plata daunelor-interese, în cazul rezilierii contractului - art. 7 teza a doua; (c) aplicarea faţă de profesionist a amenzii contravenţionale de la 200 la 1.000 lei - art. 13 alin. (2), coroborat cu art. 16; (d) obligarea profesionistului la modificarea tuturor contractelor de adeziune în curs de executare - art. 13 alin. (1) teza întâi; (e) obligarea profesionistului la eliminarea clauzelor abuzive din contractele preformulate, destinate a fi utilizate în cadrul activităţii profesionale - art. 13 alin. (1) teza a doua; (f) obligarea profesionistului la despăgubirea consumatorilor prejudiciaţi prin contracte încheiate cu încălcarea obligaţiei de a nu insera clauze abuzive în contracte (răspunderea civilă delictuală) - art. 14, coroborat cu art. 1.357 din Codul civil; (g) nulitatea contractului - art. 12 alin. (4), coroborat cu art. 1.246 alin. (1) din Codul civil.21. Toate aceste remedii au menirea de a proteja dreptul substanţial, de a-i conferi un caracter efectiv, real şi nu unul iluzoriu. Ca atare, se poate spune că remediul judiciar este o prelungire a însuşi dreptului substanţial. Din acest motiv, consacrarea de către legiuitor, în mod explicit, a unui remediu judiciar, la un moment ulterior consacrării dreptului substanţial pe care este grefat remediul, nu este de natură să schimbe conţinutul raportului de drept substanţial dintre profesionist şi consumator.22. Curtea constată că, din perspectiva principiului neretroactivităţii legii, autoarea invocă, în esenţă, două argumente. Potrivit primului argument, întrucât textul legal criticat are natura unei norme de drept substanţial, şi nu de drept procedural, aplicarea lui şi în cazul contractelor de credit încheiate înainte de data intrării sale în vigoare, respectiv 1 octombrie 2013, nu s-ar putea realiza decât cu încălcarea principiului neretroactivităţii legii. În cel de al doilea argument, autoarea arată că se reevaluează conduita din trecut a profesionistului, acesta putând fi obligat să elimine clauzele din toate contractele, inclusiv cele încheiate înainte de data de 1 octombrie 2013, ceea ce legea în vigoare, la data încheierii contractelor, nu permitea. Prin aplicarea legii noi se ajunge, continuă autoarea excepţiei, la un alt mecanism al răspunderii decât cel prevăzut de legea veche sub imperiul căreia au fost încheiate contractele.23. Cu privire la primul argument, Curtea reţine că textul criticat a mai fost supus controlului de constituţionalitate din perspectiva art. 15 alin. (2) din Constituţie. În Decizia nr. 245 din 19 aprilie 2016, publicată în Monitorul Oficial al României, Partea I, nr. 546 din 20 iulie 2016, Curtea a reţinut că: „dispoziţiile legale care prevăd dreptul instanţei judecătoreşti să dispună înlăturarea din toate contractele încheiate de profesionist a clauzelor abuzive sunt norme de procedură care sunt de imediată aplicare, fără a încălca exigenţele art. 15 alin. (2) din Constituţie" [paragraful 49].24. În decizia precitată, Curtea a reţinut că dispoziţiile legale care prevăd dreptul instanţei judecătoreşti să dispună înlăturarea din toate contractele încheiate de profesionist a clauzelor abuzive „nu vizează desfiinţarea unei clauze abuzive pentru trecut, ci numai pentru viitor, astfel încât prestaţiile deja efectuate în baza contractului nu pot fi desfiinţate. În realitate, profesionistul invocă faptul că, având deja încheiat un contract cu consumatorul, este obligat să îl modifice, în sensul eliminării pe viitor a clauzelor constatate ca fiind abuzive. Este evident că profesionistul nu mai poate beneficia pentru viitor de avantajele obţinute în baza clauzelor abuzive, dar această situaţie nu poate acredita ideea că hotărârea judecătorească adoptată în baza art. 13 alin. (1) din Legea nr. 193/2000 retroactivează. Pe de altă parte, dispoziţiile legale care prevăd dreptul instanţei de a obliga pe profesionist la modificarea clauzelor abuzive în toate contractele de adeziune în curs de executare sunt norme de procedură care sunt de aplicare imediată" [paragraful 50].25. Întrucât autoarea excepţiei nu aduce elemente noi în sprijinul opiniei potrivit căreia textul criticat instituie o normă de drept substanţial, şi nu de drept procedural, soluţia şi considerentele Deciziei nr. 245 din 19 aprilie 2016 îşi păstrează valabilitatea şi în cauza de faţă.26. Cu privire la cel de-al doilea argument al autoarei în susţinerea criticii formulate din perspectiva art. 15 alin. (2) din Constituţie, Curtea reţine, în acord cu susţinerile autoarei excepţiei de neconstituţionalitate, că cele două remedii judiciare prevăzute de art. 13 alin. (1) din Legea nr. 193/2000 au fost introduse de legiuitor în sistemul de remedii al Legii nr. 193/2000 ulterior momentului la care legiuitorul a conferit consumatorilor dreptul substanţial de a nu avea inserate clauze abuzive în contract, iar în sarcina profesioniştilor obligaţia corelativă. De asemenea, Curtea reţine şi faptul că momentul la care s-a produs acest eveniment, respectiv 1 octombrie 2013, se situează în intervalul în care contractele de adeziune se aflau în curs de executare.27. Dar noutatea survenită odată cu 1 octombrie 2013 nu este de natură să susţină afirmaţia autoarei excepţiei potrivit căreia, prin aplicarea legii noi, se ajunge la un alt mecanism al răspunderii decât cel prevăzut de legea sub imperiul căreia au fost încheiate contractele. Astfel, în Decizia nr. 245 din 19 aprilie 2016, Curtea a reţinut că: „Legea nr. 193/2000 conţine prevederi clare în anexa sa cu privire la clauzele care sunt considerate abuzive, noţiunea de clauză abuzivă fiind reglementată încă din anul 2000, astfel încât profesioniştii au putut, încă de la momentul intrării sale în vigoare, să îşi adapteze conduita în mod corespunzător, adică să evite inserarea în contracte a unor clauze care contravin legii. Aşadar, profesionistul avea reprezentarea faptului că se poate expune la o acţiune promovată de consumator dacă încalcă legea. Prevederile legale criticate reglementează un remediu judiciar de natură procesuală menit să accelereze procesul de eliminare a clauzelor abuzive şi de reintrare în legalitate. Aceste prevederi legale nu aduc nimic nou din punctul de vedere al dreptului substanţial" [paragraful 51].28. Cu alte cuvinte, atât timp cât profesionistul, la momentul încheierii contractelor, este în deplină cunoştinţă că, pe întreaga durată a executării acestora, are obligaţia de a se abţine de la a insera clauze abuzive, instituirea, ulterior, a unui mecanism judiciar menit să asigure respectarea acestei obligaţii nu poate avea semnificaţia unei aplicări retroactive a acestui remediu.29. Cu referire la critica autoarei excepţiei de neconstituţionalitate privind încălcarea principiului separaţiei puterilor în stat sunt pe deplin aplicabile cele reţinute de Curte în decizia precitată: „reglementările legale criticate conferă hotărârii judecătoreşti efecte juridice particulare în raport cu regula generală a relativităţii efectelor hotărârilor judecătoreşti, fără ca obligaţiile prevăzute în acestea să poată fi asimilate cu cele ce rezultă dintr-un act de reglementare primară. Efectul relativ al acestui tip de hotărâre nu se referă la un raport juridic concret dintre consumator şi profesionist, raportată la un anume litigiu, având în vedere controlul abstract efectuat de judecător în baza art. 12 şi 13 din Legea nr. 193/2000, în sensul că nu este apărat un drept subiectiv propriu al titularilor dreptului de sesizare, întrucât ipoteza normativă a dispoziţiilor legale criticate vizează contenciosul de ordine publică, astfel încât relativitatea efectelor hotărârii judecătoreşti va avea în vedere persoana împotriva căreia este formulată sesizarea, persoană ce urmează a-şi adapta conduita în funcţie de exigenţele stabilite prin hotărârea judecătorească. Nicăieri în lege nu este prevăzută o sancţiune împotriva profesionistului care, obligat de instanţă să elimine clauzele constatate ca fiind abuzive, nu s-a conformat hotărârii judecătoreşti, dar efectul acesteia este în sensul că profesionistul, fie va negocia cu consumatorul şi le va modifica, fie va elimina pur şi simplu clauzele abuzive din contractele preformulate, urmând ca verificarea îndeplinirii hotărârii judecătoreşti să fie făcută ulterior de către autorităţile competente" [paragraful 56].30. Potrivit autoarei excepţiei de neconstituţionalitate, încălcarea dreptului la apărare al profesioniştilor este generată de modul defectuos al mecanismului de reglementare a acţiunii în încetare al cărei titular este Autoritatea Naţională pentru Protecţia Consumatorilor şi contaminarea acesteia cu acţiunea în nulitate, pe care, oricum, consumatorul o are la îndemână.31. Odată în plus, Curtea reiterează considerentele din decizia precitată: „Curtea reţine faptul că profesionistul are posibilitatea să se prezinte în faţa instanţei judecătoreşti şi să îşi formuleze apărările pe care le consideră pertinente şi utile cauzei. Mai mult, prin procedura instituită, profesionistul nu mai este sancţionat contravenţional în cazul fiecărui contract în parte, ci i se va aplica o singură amendă contravenţională, această împrejurare constituind un avantaj pentru el" [paragraful 58].32. Din coroborarea dispoziţiilor art. 12 alin. (1) din Legea nr. 193/2000, potrivit cărora „În cazul în care constată utilizarea unor contracte de adeziune care conţin clauze abuzive, organele de control prevăzute la art. 8 vor sesiza tribunalul de la domiciliul sau, după caz, sediul profesionistului, solicitând obligarea acestuia să modifice contractele aflate în curs de executare, prin eliminarea clauzelor abuzive" cu dispoziţiile art. 13 alin. (1) din aceeaşi lege, potrivit cărora „Instanţa, în cazul în care constată existenţa clauzelor abuzive în contract, obligă profesionistul să modifice toate contractele de adeziune în curs de executare, precum şi să elimine clauzele abuzive din contractele preformulate, destinate a fi utilizate în cadrul activităţii profesionale", rezultă cu claritate fizionomia celor două remedii judiciare introduse prin Legea nr. 76/2012. Astfel, obiectul acţiunii reglementate de art. 13 alin. (1) teza întâi din Legea nr. 193/2000 îl reprezintă modificarea contractelor de adeziune în curs de executare, prin eliminarea clauzelor abuzive, iar cel reglementat în art. 13 alin. (1) teza a doua îl reprezintă eliminarea clauzelor abuzive din contractele preformulate, destinate a fi utilizate în cadrul activităţii profesionale. În ceea ce priveşte cauza acţiunii, textele legale sunt, de asemenea, clare, în sensul că aceasta este reprezentată de existenţa clauzelor abuzive în contractele de adeziune în curs de executare şi în contractele preformulate. Calitatea procesuală activă aparţine reprezentanţilor împuterniciţi ai Autorităţii Naţionale pentru Protecţia Consumatorilor, specialiştilor autorizaţi ai altor organe ale administraţiei publice şi asociaţiilor pentru protecţia consumatorului care îndeplinesc condiţiile prevăzute la art. 30 şi 32 din Ordonanţa Guvernului nr. 21/1992 privind protecţia consumatorilor. În sfârşit, calitatea procesuală pasivă aparţine profesioniştilor, aşa cum sunt aceştia definiţi de art. 2 al Legii nr. 193/2000.33. Obligarea profesioniştilor, sub rezerva constatării existenţei unor clauze abuzive, de a modifica toate contractele aflate în curs de executare are ca justificare tocmai natura specifică a acestora, respectiv contracte de adeziune. Astfel, potrivit art. 1.175 din Codul civil, „Contractul este de adeziune atunci când clauzele sale esenţiale sunt impuse ori sunt redactate de una dintre părţi, pentru aceasta sau ca urmare a instrucţiunilor sale, cealaltă parte neavând decât să le accepte ca atare." Având instrumentul contractului de adeziune la dispoziţie, profesioniştii inserează clauze standardizate în contracte încheiate cu un număr practic nedefinit de consumatori. Conţinutul acestor contracte este invariabil, în fapt, şi nu este adaptat fiecărui act juridic (negotium) încheiat cu fiecare dintre consumatori. Din acest motiv este rezonabilă dispoziţia legală criticată care face posibil ca, printr-o singură hotărâre judecătorească, profesionistul să fie obligat să modifice toate contractele de adeziune care conţin clauze abuzive.34. Autoarea excepţiei de neconstituţionalitate susţine că obiect al acţiunii în încetare, aşa cum este configurată aceasta prin Directiva 93/13/CEE, îl pot constitui exclusiv clauzele din condiţiile generale de contractare ale profesionistului, iar nu contractele concret încheiate cu consumatorii, aflate în curs de executare. O asemenea susţinere ignoră însă faptul că, potrivit art. 13 alin. (1) teza întâi din Legea nr. 193/2000, instanţa îl poate obliga pe profesionist să modifice contractele de adeziune în curs de executare. Prin urmare, şi în ipoteza în care acţiunea formulată de Autoritatea Naţională pentru Protecţia Consumatorilor are ca obiect contracte de adeziune în curs de executare, nu doar în ipoteza contractelor preformulate, aceasta vizează exclusiv clauze standardizate, specifice contractelor de adeziune.35. Autoarea excepţiei de neconstituţionalitate susţine că evaluarea caracterului abuziv al clauzelor contractuale poate fi realizată numai prin raportare la un contract specific şi nu la mai multe contracte. Este adevărat că orice contract de adeziune în curs de executare, dintre cele vizate de acţiunea consacrată de art. 13 alin. (1) teza întâi din Legea nr. 193/2000, poate conţine elemente care îl distinge de oricare alt contract de adeziune. Astfel, fiecare dintre aceste contracte prezintă particularităţi cu privire la, inter alia, caracterul negociat al acestora, crearea unui dezechilibru semnificativ între drepturile şi obligaţiile părţilor sau cerinţele de bună-credinţă. Pe de altă parte, nu este mai puţin adevărat că variaţiile de la un contract la altul nu sunt atât de semnificative încât să transforme operaţiunea legiuitorului de a face abstracţie de acestea, atunci când instituie categorii generale precum consumator, profesionist sau contract de adeziune, într-o operaţiune ilegitimă. Mai mult decât atât, însăşi activitatea profesioniştilor s-ar desfăşura în condiţii mai puţin eficiente dacă aceştia nu ar recurge, în practica lor economică, la asemenea generalizări, făcând abstracţie de o parte dintre circumstanţele specifice fiecăruia dintre contractele pe care le încheie cu consumatorii.36. Din acest motiv apare ca fiind exagerată susţinerea autoarei excepţiei de neconstituţionalitate potrivit căreia acordarea oricărui credit se face în considerarea persoanei împrumutatului, după o analiză individuală, ţinând cont de toate circumstanţele personalizate, inclusiv afectaţiunea conferită de către împrumutat creditului acordat. Este adevărat că, uneori, profesionistul procedează într-o asemenea manieră. Dar, în aceste cazuri, devin aplicabile dispoziţiile art. 4 alin. (3) propoziţia a doua din Legea nr. 193/2000, potrivit cărora „Dacă un profesionist pretinde că o clauză standard preformulată a fost negociată direct cu consumatorul, este de datoria lui să prezinte probe în acest sens". Acest text legal dă posibilitatea profesionistului de a invoca excepţia inadmisibilităţii acţiunii întemeiate, formal, pe dispoziţiile art. 13 alin. (1) din Legea nr. 193/2000, dacă reuşeşte să facă dovada că anumite clauze ale contractului de adeziune ori ale contractului preformulat sau chiar întregul contract de adeziune ori contractul preformulat au fost negociate direct cu consumatorul.37. Prin urmare, dreptul fundamental la apărare al profesioniştilor este garantat de dispoziţiile legale menţionate. Îndatorirea acestora de a face dovada faptului că au negociat direct cu consumatorii contractul de adeziune sau contractul preformulat nu poate fi considerată ca una exorbitantă, de natură să aducă atingere dreptului la apărare.38. Pentru considerentele expuse mai sus, în temeiul art. 146 lit. d) şi al art. 147 alin. (4) din Constituţie, al art. 1-3, al art. 11 alin. (1) lit. A.d) şi al art. 29 din Legea nr. 47/1992, cu majoritate de voturi,CURTEA CONSTITUŢIONALĂÎn numele legiiDECIDE:Respinge, ca neîntemeiată, excepţia de neconstituţionalitate ridicată de Societatea Raiffeisen Bank - S.A. în Dosarul nr. 4.516/2/2015 al Tribunalului Bucureşti - Secţia a II-a contencios administrativ şi fiscal şi constată că dispoziţiile art. 13 alin. (1) din Legea nr. 193/2000 privind clauzele abuzive din contractele încheiate între profesionişti şi consumatori sunt constituţionale în raport cu criticile formulate.Definitivă şi general obligatorie.Decizia se comunică Tribunalului Bucureşti - Secţia a II-a contencios administrativ şi fiscal şi se publică în Monitorul Oficial al României, Partea I.Pronunţată în şedinţa din data de 20 septembrie 2016.PREŞEDINTELE CURŢII CONSTITUŢIONALEprof. univ. dr. VALER DORNEANUMagistrat-asistent,Cosmin-Marian Văduva



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ANONIM a comentat Decizia 181 2017
    ÎMPRUMUT OFERTA FARA TAXE Upfront IEFTIN Buna, Care sunt nevoile tale financiare? Ne da împrumuturi de la un minim de $ 2,000.00 la un maxim de $ 100,000,000.00 cu o durată confortabil, care variază de la 1 la 30 de ani, la o rată a dobânzii foarte redusă de 3%. Ai nevoie de un împrumut de afaceri? Ai nevoie de un împrumut personal? Vrei sa cumperi o masina? Vrei să refinanțeze? Ai nevoie de un credit ipotecar? Ai nevoie de un imens capital pentru a începe propunerea dvs. de afaceri sau de extindere? V-ați pierdut speranța și credeți că nu există nici o cale de ieșire, și sarcinile financiare încă persistă? Vă rugăm să nu ezitați să ne contactați pentru cooperare posibil de afaceri Contactați-ne prin e-mail: constantloanfirm@gmail.com
ANONIM a comentat Decizia 204 2017
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Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com
ANONIM a comentat Decizia 204 2017
    Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com Good Day Dear Loan Seeker, Do you need an urgent financial credit ***? * Very fast and direct transfer to your bank account * Repayment starts eight months after you get the money bank account * Low interest rate of 1% * Long-term repayment (1-30 years) Height * Flexible ***then monthly payment *. How long will it be financed? After submitting the application *** You can expect a preliminary answer less than 24 hours funding in 72-96 hours after receiving the information they need yours. If you are interested contact us via: bdsfn.com@gmail.com and fill out the below loan application form. Loan application form: Full Name:.................... Country:..................... State:.............. City:.............. Sex:......................... Phone Number:........... Loan Amount :........... Monthly income:.......... Occupation:................... .... Loan Period:....................... ................ Purpose of Loan:......................... ........... E-mail address:...................... ................ Have You Applied Before?.................... We awaits your urgent application form to be filled ok. Email Us: (bdsfn.com@gmail.com) With Best Regards. Mrs. Pranchment Dura Emaill Address:bdsfn.com@gmail.com
ANONIM a comentat Legea 3 2017
    AFFORDABLE LOAN OFFER WITHOUT UPFRONT FEES Hello, What are your Financial needs? We give out loans from a minimum of $2,000.00 to a maximum of $100,000,000.00 with comfortable duration that ranges from 1 to 30 years at a very reduced interest rate of 3%. Do you need a business loan? Do you need a personal loan? Do you want to buy a car? Do you want to refinance? Do you need a mortgage loan? Do you need a huge capital to start off your business proposal or expansion? Have you lost hope and you think there is no way out, and your financial burdens still persists? Please do not hesitate to contact us for possible business co-operation Contact us via email: constantloanfirm@gmail.com
ANONIM a comentat Lista - 2017
    AFFORDABLE LOAN OFFER WITHOUT UPFRONT FEES Hello, What are your Financial needs? We give out loans from a minimum of $2,000.00 to a maximum of $100,000,000.00 with comfortable duration that ranges from 1 to 30 years at a very reduced interest rate of 3%. Do you need a business loan? Do you need a personal loan? Do you want to buy a car? Do you want to refinance? Do you need a mortgage loan? Do you need a huge capital to start off your business proposal or expansion? Have you lost hope and you think there is no way out, and your financial burdens still persists? Please do not hesitate to contact us for possible business co-operation Contact us via email: constantloanfirm@gmail.com
ANONIM a comentat Decizia 200 2017
    Aplica pentru un împrumut rapid și mod convenabil de a plăti facturile și reluarea finanțării proiectului în cel mai mic rata dobânzii de 3%, pentru a ne contacta astăzi prin: trustfunds804@outlook.com. Împrumutul au nevoie de o ofertă de împrumut minim nostru este 1.000,00 alegerea de împrumut bani, eu sunt o înregistrare și creditorii certificate Legit, puteți să ne contactați astăzi dacă sunteți interesat în. Pentru a obține acest împrumut, contactați-mă pentru mai multe informații despre procesul de împrumut ca termenii și condițiile împrumuturilor și suma creditului va fi transferat la tine. Am nevoie de răspunsul dumneavoastră de urgență dacă sunteți interesat
ANONIM a comentat Ordin 2017 1997
    Noi da împrumut în orice monedă. * Sunteți Stors financiar? * Nu căutați fonduri pentru a achita credite și datorii? * Nu căutați finanțare pentru a configura propria afacere? * Sunteți în nevoie de împrumuturi private sau de afaceri pentru diverse scopuri? * Nu vă căuta împrumuturi pentru a efectua proiecte mari? * Nu căutați fonduri pentru diverse alte procese? Noi oferim urmatoarele tipuri de credite: * Credite comerciale. *Imprumuturi personale. * Credite de afaceri. * Investiții Credite. * Dezvoltarea Credite. * Achiziționarea de credite. * Împrumuturi pentru construcții. * Credite de afaceri și multe altele: Contactati-ne acum via: russell.credit40@gmail.com
ANONIM a comentat Decizia 3 2017
    Noi da împrumut în orice monedă. * Sunteți Stors financiar? * Nu căutați fonduri pentru a achita credite și datorii? * Nu căutați finanțare pentru a configura propria afacere? * Sunteți în nevoie de împrumuturi private sau de afaceri pentru diverse scopuri? * Nu vă căuta împrumuturi pentru a efectua proiecte mari? * Nu căutați fonduri pentru diverse alte procese? Noi oferim urmatoarele tipuri de credite: * Credite comerciale. *Imprumuturi personale. * Credite de afaceri. * Investiții Credite. * Dezvoltarea Credite. * Achiziționarea de credite. * Împrumuturi pentru construcții. * Credite de afaceri și multe altele: Contactati-ne acum via: russell.credit40@gmail.com
ANONIM a comentat Hotărârea 610 2016
    =========================================================================== Do You Need A Business Loan? Do You Need A Business Loan,Or A Personal Loan,At 1.0% If Yes? Name,Amount,Country,Loan Durations,Phone Mobile:Please, Interested applicants should Contact us via email: PergoCF@gmail.com , ( PergoCF@qualityservice.com ) , bayport@safrica.com , ( PergoCF@aol.com ) =========================================================================== Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Interested applicants should Contact us via email: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose from vacations, to education, to unique purchases. Interested applicants should Contact us via email: PergoCF@gmail.com We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 1.00% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: bayport@safrica.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: bayport@safrica.com Kindly write us back with the loan information; - Complete Name: - Loan amount needed: - Loan Duration: - Purpose of loan: - City / Country: - Telephone: - How Did You Hear About Us: If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: PergoCF@qualityservice.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@aol.com Interested applicants should Contact us via email: bayport@safrica.com =========================================================================== Affordable Loan Offer Do You Need A Business Loan? Interested applicants should Contact us via email: PergoCF@gmail.com A Personal Loan? At 1.00% Name,Amount,Country,Loan Durations,Phone, Mobile: Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: PergoCF@aol.com Interested applicants should Contact us via email: bayport@safrica.com ====================================================================== DO YOU NEED FINANCIAL ASSISTANCE? PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@GMAIL.COM DO YOU SEEK FUNDS TO PAY OFF CREDITS AND DEBTS? PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@QUALITYSERVICE.COM WE GIVE OUT LOAN WITH AN INTEREST RATE OF 1.00% PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@AOL.COM Interested applicants should Contact us via email: bayport@safrica.com =========================================================================== DO YOU NEED FINANCIAL ASSISTANCE? INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@QUALITYSERVICE.COM Interested applicants should Contact us via email: bayport@safrica.com PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00% INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM ARE YOU IN NEED OF LOAN, FUND?________________ARE YOU IN NEED OF LOAN, FUND? INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@AOL.COM PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00% INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM DO YOU NEED FINANCIAL ASSISTANCE? ARE YOU IN NEED OF LOAN, INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM Interested applicants should Contact us via email: bayport@safrica.com =========================================================================== Dear valued customer, Do you need Financial Assistance? Do you seek funds to pay off credits and debts? We give out loan with an Interest rate of 1.00% Please, contact us for more information: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com Kindly write us back with the loan information; - Complete Name: - Loan amount needed: - Loan Duration: - Purpose of loan: - City / Country: - Telephone: - How Did You Hear About Us: Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: bayport@safrica.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@aol.com We look forward to hear from you ASAP. =========================================================================== WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Do you need Financial Assistance? We can help you We give out loan with an Interest rate of 1.00% Please, contact us for more information: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com ====================================================================== Do you need Financial Assistance? Do you seek funds to pay off credits and debts? We give out loan with an Interest rate of 1.00% Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: bayport@safrica.com Please contact us for your secure and unsecured Loan at an Interest rate of 1.00%, Interested applicants should Contact us via email: PergoCF@aol.com Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Interested applicants should Contact us via email: PergoCF@gmail.com Our commitment is to make business ownership a viable career for individuals who struggle to raise finance. We provide affordable loans and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed. Interested applicants should Contact us via email: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00% , If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: bayport@safrica.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@aol.com We look forward to hear from you ASAP =========================================================================== Do you need Financial Assistance? Do you seek funds to pay off credits and debts? We give out loan with an Interest rate of 1.00% Please, contact us for more information: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com Kindly write us back with the loan information; - Complete Name: - Loan amount needed: - Loan Duration: - Purpose of loan: - City / Country: - Telephone: - How Did You Hear About Us: Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: bayport@safrica.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@aol.com We look forward to hear from you ASAP. =========================================================================== Do you need Financial Assistance? Do you seek funds to pay off credits and debts? We give out loan with an Interest rate of 1.00% Please, contact us for more information: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com **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? If interested, Kindly write us back with the loan information: - Complete Name: - Loan amount needed: - Loan Duration: - Purpose of loan: - City / Country: - Telephone: - How Did You Hear About Us: NOTE: Bear in mind that it will only take less than 48 Hours to process your file is 101% Guaranteed no matter your Credit Score. Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: bayport@safrica.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@aol.com Interested applicants should Contact us via email: bayport@safrica.com We look forward to hear from you ASAP =========================================================================== We work with individual investors and the company that provides merchant cash advance, Asset Based Lending, Commercial Real Estate Refinancing, Lines Of Credit, Hard Money Loans, Business Acquisition Financing, Debt Consolidation Loans, and more. Interested applicants should Contact us via email: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com Interested applicants should Contact us via email: PergoCF@gmail.com For more information, We encourage you to contact us and learn more about the financing services we offered. If you have any questions or want more information about our company, Interested applicants should Contact us via email: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com =========================================================================== Do you need Financial Assistance? Please, contact us for more information: PergoCF@gmail.com Do you seek funds to pay off credits and debts? Please, contact us for more information: PergoCF@qualityservice.com We give out loan with an Interest rate of 1.00% Please, contact us for more information: PergoCF@aol.com Interested applicants should Contact us via email: bayport@safrica.com =========================================================================== Do you need Finance? Are you looking for Finance? Are you looking for a money to enlarge your business? We help individuals and companies to obtain loan for business expanding and to setup a new business ranging any amount. Get a loan at affordable interest rate of 1.0%, Do you need this cash/loan for business and to clear your bills? Interested applicants should Contact us via email: PergoCF@qualityservice.com Interested applicants should Contact us via email: bayport@safrica.com Are You In Need of Loan? Interested applicants should Contact us via email: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com Do you need Financial Assistance? Interested applicants should Contact us via email: PergoCF@gmail.com Do you need Finance? Interested applicants should Contact us via email: PergoCF@aol.com Interested applicants should Contact us via email: bayport@safrica.com =========================================================================== Business & Personal Loan Offer Affordable Installment loans. Guaranteed fixed payments. Interested applicants should Contact us via email: PergoCF@qualityservice.com Interested applicants should Contact us via email: bayport@safrica.com Guaranteed fixed interest rates of 1.00%. Do you need Financial help? Need a personal loan for an unexpected expense? Do you need a Business Setup Loan? Pergo CF Finances Firm is willing to provides personal loans to individuals And Companies Body with no or less than perfect credit. Well Offer loan from 5,000.00 USD to 500 Million USD, So if Interested Contact us via: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com =========================================================================== DO YOU NEED FINANCIAL ASSISTANCE? PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@GMAIL.COM DO YOU SEEK FUNDS TO PAY OFF CREDITS AND DEBTS? PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@QUALITYSERVICE.COM Interested applicants should Contact us via email: bayport@safrica.com WE GIVE OUT LOAN WITH AN INTEREST RATE OF 1.00% PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@AOL.COM Interested applicants should Contact us via email: bayport@safrica.com =========================================================================== DO YOU NEED FINANCIAL ASSISTANCE? INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@QUALITYSERVICE.COM Interested applicants should Contact us via email: bayport@safrica.com PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00% INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM Interested applicants should Contact us via email: bayport@safrica.com ARE YOU IN NEED OF LOAN, FUND?________________ARE YOU IN NEED OF LOAN, FUND? INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@AOL.COM Interested applicants should Contact us via email: bayport@safrica.com PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00% INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM Interested applicants should Contact us via email: bayport@safrica.com DO YOU NEED FINANCIAL ASSISTANCE? ARE YOU IN NEED OF LOAN, INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM Interested applicants should Contact us via email: bayport@safrica.com =========================================================================== Dear valued customer, WELCOME TO PERGO CORPORATE FINANCE,(PCF) PergoCF@qualityservice.com aims is to provide Excellent Professional Service. WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Do you need Financial Assistance? We can help you We give out loan with an Interest rate of 1.00% Please, contact us for more information: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com Kindly write us back with the loan information; - Complete Name: - Loan amount needed: - Loan Duration: - Purpose of loan: - City / Country: - Telephone: - How Did You Hear About Us: If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: bayport@safrica.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@aol.com Interested applicants should Contact us via email: bayport@safrica.com We look forward to hear from you ASAP. =========================================================================== Do you need Financial Assistance? We are looking for businesses that are in need of funding for Acquisition, Expansion, Growth, Refinance or Survival. We give out loan with an Interest rate of 1.00% Interested applicants should Contact us via email: bayport@safrica.com Please, contact us for more information: PergoCF@gmail.com Interested applicants should Contact us via email: PergoCF@qualityservice.com Please, contact us for more information: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com Kindly write us back with the loan information; - Complete Name: - Loan amount needed: - Loan Duration: - Purpose of loan: - City / Country: - Telephone: - How Did You Hear About Us: If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: bayport@safrica.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@aol.com Interested applicants should Contact us via email: bayport@safrica.com We look forward to hear from you ASAP. =========================================================================== Affordable Loan Offer Do You Need A Business Loan? Interested applicants should Contact us via email: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com A Personal Loan? At 1.00% Name,Amount,Country,Loan Durations,Phone, Mobile: Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: PergoCF@aol.com Interested applicants should Contact us via email: bayport@safrica.com =========================================================================== Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Interested applicants should Contact us via email: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose from vacations, to education, to unique purchases. Interested applicants should Contact us via email: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 1.00% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: bayport@safrica.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: bayport@safrica.com Kindly write us back with the loan information; - Complete Name: - Loan amount needed: - Loan Duration: - Purpose of loan: - City / Country: - Telephone: - How Did You Hear About Us: If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: bayport@safrica.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com bayport@safrica.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@aol.com Interested applicants should Contact us via email: bayport@safrica.com =========================================================================== Are you a business man or woman? Are you in any financial stress? Or do you need money to start your own business? Interested applicants should Contact us via email: PergoCF@gmail.com Please, contact us for more information: bayport@safrica.com Do you have a low credit score, and you find it difficult to get loans from local banks and other financial institutions? solution to your financial problem is PergoCF@gmail.com Please, contact us for more information: bayport@safrica.com If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: PergoCF@qualityservice.com Please, contact us for more information: bayport@safrica.com Our services include the following: * Personal Loans * Debt consolidation loans * Possibility * Business Loans * Education Loans * Mortgage * Refinancing Loans * Home Loans * Secure Loans * Unsecured Loans Interested applicants should Contact us via email: PergoCF@aol.com We offer loans to people in need of financial assistant with a low interest rate of 1.00%. In order to get a loan, you can tell the exact amount of loan you need and the time in which you can pay back the loan. Please, contact us for more information: bayport@safrica.com NOTE: If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: PergoCF@qualityservice.com If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: bayport@safrica.com =========================================================================== Do You Need A Loan (Business or Personal Loan) Or A Financial Help To Start Up Your Business Or To Pay Off Bills? Contact us For More Information Via email: ( PergoCF@qualityservice.com ) Do You Need A Business Loan? Do You Need A Business Loan,Or A Personal Loan,At 1.0% If Yes? Name,Amount,Country,Loan Durations,Phone Mobile:Please, Interested applicants should Contact us via email: PergoCF@gmail.com , ( PergoCF@qualityservice.com ) , bayport@safrica.com , ( PergoCF@aol.com )
ANONIM a comentat Hotărârea 610 2016
    =========================================================================== Do You Need A Business Loan? Do You Need A Business Loan,Or A Personal Loan,At 1.0% If Yes? Name,Amount,Country,Loan Durations,Phone Mobile:Please, Interested applicants should Contact us via email: PergoCF@gmail.com , ( PergoCF@qualityservice.com ) , bayport@safrica.com , ( PergoCF@aol.com ) =========================================================================== Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Interested applicants should Contact us via email: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose from vacations, to education, to unique purchases. Interested applicants should Contact us via email: PergoCF@gmail.com We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 1.00% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: bayport@safrica.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: bayport@safrica.com Kindly write us back with the loan information; - Complete Name: - Loan amount needed: - Loan Duration: - Purpose of loan: - City / Country: - Telephone: - How Did You Hear About Us: If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: PergoCF@qualityservice.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@aol.com Interested applicants should Contact us via email: bayport@safrica.com =========================================================================== Affordable Loan Offer Do You Need A Business Loan? Interested applicants should Contact us via email: PergoCF@gmail.com A Personal Loan? At 1.00% Name,Amount,Country,Loan Durations,Phone, Mobile: Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: PergoCF@aol.com Interested applicants should Contact us via email: bayport@safrica.com ====================================================================== DO YOU NEED FINANCIAL ASSISTANCE? PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@GMAIL.COM DO YOU SEEK FUNDS TO PAY OFF CREDITS AND DEBTS? PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@QUALITYSERVICE.COM WE GIVE OUT LOAN WITH AN INTEREST RATE OF 1.00% PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@AOL.COM Interested applicants should Contact us via email: bayport@safrica.com =========================================================================== DO YOU NEED FINANCIAL ASSISTANCE? INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@QUALITYSERVICE.COM Interested applicants should Contact us via email: bayport@safrica.com PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00% INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM ARE YOU IN NEED OF LOAN, FUND?________________ARE YOU IN NEED OF LOAN, FUND? INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@AOL.COM PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00% INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM DO YOU NEED FINANCIAL ASSISTANCE? ARE YOU IN NEED OF LOAN, INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM Interested applicants should Contact us via email: bayport@safrica.com =========================================================================== Dear valued customer, Do you need Financial Assistance? Do you seek funds to pay off credits and debts? We give out loan with an Interest rate of 1.00% Please, contact us for more information: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com Kindly write us back with the loan information; - Complete Name: - Loan amount needed: - Loan Duration: - Purpose of loan: - City / Country: - Telephone: - How Did You Hear About Us: Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: bayport@safrica.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@aol.com We look forward to hear from you ASAP. =========================================================================== WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Do you need Financial Assistance? We can help you We give out loan with an Interest rate of 1.00% Please, contact us for more information: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com ====================================================================== Do you need Financial Assistance? Do you seek funds to pay off credits and debts? We give out loan with an Interest rate of 1.00% Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: bayport@safrica.com Please contact us for your secure and unsecured Loan at an Interest rate of 1.00%, Interested applicants should Contact us via email: PergoCF@aol.com Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Interested applicants should Contact us via email: PergoCF@gmail.com Our commitment is to make business ownership a viable career for individuals who struggle to raise finance. We provide affordable loans and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed. Interested applicants should Contact us via email: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00% , If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: bayport@safrica.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@aol.com We look forward to hear from you ASAP =========================================================================== Do you need Financial Assistance? Do you seek funds to pay off credits and debts? We give out loan with an Interest rate of 1.00% Please, contact us for more information: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com Kindly write us back with the loan information; - Complete Name: - Loan amount needed: - Loan Duration: - Purpose of loan: - City / Country: - Telephone: - How Did You Hear About Us: Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: bayport@safrica.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@aol.com We look forward to hear from you ASAP. =========================================================================== Do you need Financial Assistance? Do you seek funds to pay off credits and debts? We give out loan with an Interest rate of 1.00% Please, contact us for more information: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com **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? If interested, Kindly write us back with the loan information: - Complete Name: - Loan amount needed: - Loan Duration: - Purpose of loan: - City / Country: - Telephone: - How Did You Hear About Us: NOTE: Bear in mind that it will only take less than 48 Hours to process your file is 101% Guaranteed no matter your Credit Score. Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: bayport@safrica.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@aol.com Interested applicants should Contact us via email: bayport@safrica.com We look forward to hear from you ASAP =========================================================================== We work with individual investors and the company that provides merchant cash advance, Asset Based Lending, Commercial Real Estate Refinancing, Lines Of Credit, Hard Money Loans, Business Acquisition Financing, Debt Consolidation Loans, and more. Interested applicants should Contact us via email: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com Interested applicants should Contact us via email: PergoCF@gmail.com For more information, We encourage you to contact us and learn more about the financing services we offered. If you have any questions or want more information about our company, Interested applicants should Contact us via email: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com =========================================================================== Do you need Financial Assistance? Please, contact us for more information: PergoCF@gmail.com Do you seek funds to pay off credits and debts? Please, contact us for more information: PergoCF@qualityservice.com We give out loan with an Interest rate of 1.00% Please, contact us for more information: PergoCF@aol.com Interested applicants should Contact us via email: bayport@safrica.com =========================================================================== Do you need Finance? Are you looking for Finance? Are you looking for a money to enlarge your business? We help individuals and companies to obtain loan for business expanding and to setup a new business ranging any amount. Get a loan at affordable interest rate of 1.0%, Do you need this cash/loan for business and to clear your bills? Interested applicants should Contact us via email: PergoCF@qualityservice.com Interested applicants should Contact us via email: bayport@safrica.com Are You In Need of Loan? Interested applicants should Contact us via email: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com Do you need Financial Assistance? Interested applicants should Contact us via email: PergoCF@gmail.com Do you need Finance? Interested applicants should Contact us via email: PergoCF@aol.com Interested applicants should Contact us via email: bayport@safrica.com =========================================================================== Business & Personal Loan Offer Affordable Installment loans. Guaranteed fixed payments. Interested applicants should Contact us via email: PergoCF@qualityservice.com Interested applicants should Contact us via email: bayport@safrica.com Guaranteed fixed interest rates of 1.00%. Do you need Financial help? Need a personal loan for an unexpected expense? Do you need a Business Setup Loan? Pergo CF Finances Firm is willing to provides personal loans to individuals And Companies Body with no or less than perfect credit. Well Offer loan from 5,000.00 USD to 500 Million USD, So if Interested Contact us via: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com =========================================================================== DO YOU NEED FINANCIAL ASSISTANCE? PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@GMAIL.COM DO YOU SEEK FUNDS TO PAY OFF CREDITS AND DEBTS? PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@QUALITYSERVICE.COM Interested applicants should Contact us via email: bayport@safrica.com WE GIVE OUT LOAN WITH AN INTEREST RATE OF 1.00% PLEASE CONTACT US FOR MORE INFORMATION: PERGOCF@AOL.COM Interested applicants should Contact us via email: bayport@safrica.com =========================================================================== DO YOU NEED FINANCIAL ASSISTANCE? INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@QUALITYSERVICE.COM Interested applicants should Contact us via email: bayport@safrica.com PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00% INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM Interested applicants should Contact us via email: bayport@safrica.com ARE YOU IN NEED OF LOAN, FUND?________________ARE YOU IN NEED OF LOAN, FUND? INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@AOL.COM Interested applicants should Contact us via email: bayport@safrica.com PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00% INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM Interested applicants should Contact us via email: bayport@safrica.com DO YOU NEED FINANCIAL ASSISTANCE? ARE YOU IN NEED OF LOAN, INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM Interested applicants should Contact us via email: bayport@safrica.com =========================================================================== Dear valued customer, WELCOME TO PERGO CORPORATE FINANCE,(PCF) PergoCF@qualityservice.com aims is to provide Excellent Professional Service. WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Do you need Financial Assistance? We can help you We give out loan with an Interest rate of 1.00% Please, contact us for more information: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com Kindly write us back with the loan information; - Complete Name: - Loan amount needed: - Loan Duration: - Purpose of loan: - City / Country: - Telephone: - How Did You Hear About Us: If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: bayport@safrica.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@aol.com Interested applicants should Contact us via email: bayport@safrica.com We look forward to hear from you ASAP. =========================================================================== Do you need Financial Assistance? We are looking for businesses that are in need of funding for Acquisition, Expansion, Growth, Refinance or Survival. We give out loan with an Interest rate of 1.00% Interested applicants should Contact us via email: bayport@safrica.com Please, contact us for more information: PergoCF@gmail.com Interested applicants should Contact us via email: PergoCF@qualityservice.com Please, contact us for more information: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com Kindly write us back with the loan information; - Complete Name: - Loan amount needed: - Loan Duration: - Purpose of loan: - City / Country: - Telephone: - How Did You Hear About Us: If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: bayport@safrica.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@aol.com Interested applicants should Contact us via email: bayport@safrica.com We look forward to hear from you ASAP. =========================================================================== Affordable Loan Offer Do You Need A Business Loan? Interested applicants should Contact us via email: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com A Personal Loan? At 1.00% Name,Amount,Country,Loan Durations,Phone, Mobile: Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: PergoCF@aol.com Interested applicants should Contact us via email: bayport@safrica.com =========================================================================== Are you a business man or woman? Are you in any financial mess or Do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?. Interested applicants should Contact us via email: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose from vacations, to education, to unique purchases. Interested applicants should Contact us via email: PergoCF@gmail.com Interested applicants should Contact us via email: bayport@safrica.com We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 1.00% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: bayport@safrica.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: bayport@safrica.com Kindly write us back with the loan information; - Complete Name: - Loan amount needed: - Loan Duration: - Purpose of loan: - City / Country: - Telephone: - How Did You Hear About Us: If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: PergoCF@qualityservice.com Interested applicants should Contact us via email: bayport@safrica.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com bayport@safrica.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@aol.com Interested applicants should Contact us via email: bayport@safrica.com =========================================================================== Are you a business man or woman? Are you in any financial stress? Or do you need money to start your own business? Interested applicants should Contact us via email: PergoCF@gmail.com Please, contact us for more information: bayport@safrica.com Do you have a low credit score, and you find it difficult to get loans from local banks and other financial institutions? solution to your financial problem is PergoCF@gmail.com Please, contact us for more information: bayport@safrica.com If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: PergoCF@qualityservice.com Please, contact us for more information: bayport@safrica.com Our services include the following: * Personal Loans * Debt consolidation loans * Possibility * Business Loans * Education Loans * Mortgage * Refinancing Loans * Home Loans * Secure Loans * Unsecured Loans Interested applicants should Contact us via email: PergoCF@aol.com We offer loans to people in need of financial assistant with a low interest rate of 1.00%. In order to get a loan, you can tell the exact amount of loan you need and the time in which you can pay back the loan. Please, contact us for more information: bayport@safrica.com NOTE: If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: PergoCF@qualityservice.com If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: bayport@safrica.com =========================================================================== Do You Need A Loan (Business or Personal Loan) Or A Financial Help To Start Up Your Business Or To Pay Off Bills? Contact us For More Information Via email: ( PergoCF@qualityservice.com ) Do You Need A Business Loan? Do You Need A Business Loan,Or A Personal Loan,At 1.0% If Yes? Name,Amount,Country,Loan Durations,Phone Mobile:Please, Interested applicants should Contact us via email: PergoCF@gmail.com , ( PergoCF@qualityservice.com ) , bayport@safrica.com , ( PergoCF@aol.com )
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