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Decizia Nr.956 din 13.11.2012

referitoare la excepţia de neconstituţionalitate a dispoziţiilor art. 149 şi 151 din Legea nr. 263/2010 privind sistemul unitar de pensii publice
ACT EMIS DE: Curtea Constitutionala
ACT PUBLICAT ÎN MONITORUL OFICIAL NR. 838 din 12 decembrie 2012





Augustin Zegrean - preşedinte
Petre Lăzăroiu - judecător
Mircea Ştefan Minea - judecător
Ion Predescu - judecător
Tudorel Toader - judecător
Puskás Valentin Zoltán - judecător
Patricia Marilena Ionea - magistrat-asistent

Cu participarea reprezentantului Ministerului Public, procuror Carmen-Cătălina Gliga.Pe rol se află soluţionarea excepţiei de neconstituţionalitate a dispoziţiilor art. 149 şi 151 din Legea nr. 263/2010 privind sistemul unitar de pensii publice, excepţie ridicată de Sindicatul cadrelor militare disponibilizate în rezervă şi în retragere, în calitate de reprezentant al membrilor săi Emil Pătrăşcanu şi Gheorghe Ţuţuianu, în dosarele nr. 2.326/103/2011 şi nr. 2.334/103/2011 ale Curţii de Apel Bacău - Secţia I civilă, de Curtea de Apel Cluj - Secţia I civilă, din oficiu, în Dosarul nr. 9.354/117/2011 şi de Constantin Dumitrache în Dosarul nr. 7.401/120/2011 al Curţii de Apel Ploieşti - Secţia I civilă.Dezbaterile au avut loc în şedinţa publică din 25 octombrie 2012 şi au fost consemnate în încheierea de la acea dată, când, având nevoie de timp pentru a delibera, Curtea a amânat pronunţarea la data de 13 noiembrie 2012.CURTEA,având în vedere actele şi lucrările dosarelor, constată următoarele:Prin deciziile nr. 708 din 9 aprilie 2012 şi nr. 709 din 9 aprilie 2012, pronunţate în dosarele nr. 2.326/103/2011 şi nr. 2.334/103/2011, Curtea de Apel Bacău - Secţia I civilă a sesizat Curtea Constituţională cu excepţia de neconstituţionalitate a dispoziţiilor art. 151 din Legea nr. 263/2010 privind sistemul unitar de pensii publice.Excepţia a fost ridicată de Sindicatul cadrelor militare disponibilizate în rezervă şi în retragere, în calitate de reprezentant al membrilor săi Emil Pătrăşcanu şi Gheorghe Ţuţuianu, cu prilejul soluţionării recursurilor formulate împotriva sentinţelor civile nr. 1.281/C din 28 septembrie 2011 şi nr. 1.287/C din 28 septembrie 2011, pronunţate de Tribunalul Neamţ în dosarele nr. 2.326/103/2011 şi nr. 2.334/103/2011.Prin Încheierea din 15 mai 2012, pronunţată în Dosarul nr. 9.354/117/2011, Curtea de Apel Cluj - Secţia I civilă a sesizat Curtea Constituţională cu excepţia de neconstituţionalitate a dispoziţiilor art. 149 din Legea nr. 263/2010.Excepţia a fost ridicată, din oficiu, de instanţa de judecată cu prilejul soluţionării recursului formulat împotriva Sentinţei civile nr. 839 din 26 ianuarie 2012, pronunţată de Tribunalul Cluj în Dosarul nr. 9.354/117/2011, sentinţă prin care acţiunea formulată de reclamantul Vasile Popa a fost respinsă ca inadmisibilă, întrucât nu a fost îndeplinită procedura prealabilă de contestare a deciziei de pensionare la Comisia Centrală de Contestaţii.Prin Încheierea din 7 iunie 2012, pronunţată în Dosarul nr. 7.401/120/2011, Curtea de Apel Ploieşti - Secţia I civilă a sesizat Curtea Constituţională cu excepţia de neconstituţionalitate a dispoziţiilor art. 149 alin. (1) şi (2) şi art. 151 alin. (2) din Legea nr. 263/2010, excepţie ridicată de Constantin Dumitrache.În motivarea excepţiei de neconstituţionalitate autorii acesteia susţin, în esenţă, următoarele:1. Procedura administrativă prealabilă reglementată de art. 149 din Legea nr. 263/2010 are, în realitate, un caracter jurisdicţional, contravenind astfel dispoziţiilor art. 21 alin. (4) din Constituţie. În acest sens, invocă prevederile Regulamentului Ministerului Muncii, Familiei şi Protecţiei Sociale din 2 mai 2011 privind organizarea, funcţionarea şi structura Comisiei Centrale de Contestaţii din cadrul Casei Naţionale de Pensii Publice, care reglementează în art. 13 şi 14 procedura de soluţionare a contestaţiilor de către această comisie.2. În situaţia în care procedura administrativă prealabilă reglementată de textele de lege criticate nu este urmată, instanţa de judecată va respinge acţiunea ca inadmisibilă. De asemenea, neformularea contestaţiilor împotriva deciziilor de pensionare în termenul legal face ca aceste decizii să devină definitive, astfel că modul de stabilire a pensiei nu mai poate fi supus analizei instanţei de judecată, încălcându-se, prin urmare, dispoziţiile art. 21 din Constituţie.3. Art. 151 din Legea nr. 263/2010 prevede posibilitatea atacării în instanţă a hotărârilor Comisiei Centrale de Contestaţii, respectiv ale comisiilor de contestaţii care funcţionează în cadrul Ministerului Apărării Naţionale, Ministerului Administraţiei şi Internelor şi Serviciului Român de Informaţii, dar nu se referă şi la situaţia când aceste comisii nu răspund contestaţiilor formulate împotriva deciziilor de pensionare în termenul de 45 de zile prevăzut de art. 150 alin. (4). Astfel, procedura prealabilă de contestare a deciziei de pensionare se desfăşoară în faţa unei unice comisii la nivel naţional, fapt de natură a îngreuna cu adevărat accesul la instanţă într-un termen rezonabil, fiind evident şi notoriu faptul că, raportat la numărul mare de contestaţii adunate de la nivelul întregii ţări în faţa unui unic organism abilitat să le soluţioneze, termenul legal de soluţionare nu poate fi respectat. Neavând o hotărâre emisă de aceste comisii, titularul dreptului la pensie nu se poate adresa instanţei de judecată. În acelaşi timp, legea nu prevede posibilitatea atacării direct în instanţă a deciziilor de pensionare.Prevederile art. 151 alin. (2) din Legea nr. 263/2010 împiedică accesul liber la justiţie şi pentru că, în urma emiterii hotărârii Comisiei Centrale de Contestaţii, „aceasta din urmă admite total sau parţial contestaţia şi retrimite dosarul pentru revizuire casei de pensii emitente iniţial, spre a emite o nouă decizie de pensie. Împotriva acesteia, pensionarul nu poate introduce direct acţiune în justiţie, întrucât nu a epuizat faza procedurii prealabile. Casa de pensii poate emite o nouă decizie de pensie [....]. Aceasta va fi urmată de o nouă contestaţie la decizia de pensie tot către Comisia Centrală de Contestaţii şi aşa mai departe...“Curtea de Apel Bacău - Secţia I civilă consideră că excepţia de neconstituţionalitate nu este întemeiată.Curtea de Apel Ploieşti - Secţia I civilă apreciază că prevederile de lege criticate nu contravin dispoziţiilor art. 21 din Constituţie, întrucât alin. (4) al acestui articol se referă doar la procedurile prealabile administrative cu caracter jurisdicţional, iar nu şi la cele fără caracter jurisdicţional, aşa cum este procedura reglementată de art. 149 din Legea nr. 263/2010.În conformitate cu dispoziţiile art. 30 alin. (1) din Legea nr. 47/1992, actele de sesizare au fost comunicate preşedinţilor celor două Camere ale Parlamentului, Guvernului, precum şi Avocatului Poporului, pentru a-şi formula punctele de vedere cu privire la excepţia de neconstituţionalitate.Guvernul arată că excepţia de neconstituţionalitate nu este întemeiată.Avocatul Poporului consideră că prevederile de lege criticate sunt constituţionale.Preşedinţii celor două Camere ale Parlamentului nu au comunicat punctele de vedere solicitate.CURTEA,examinând actele de sesizare, punctele de vedere ale Guvernului şi Avocatului Poporului, rapoartele întocmite de judecătorul-raportor, concluziile procurorului, dispoziţiile de lege criticate, raportate la prevederile Constituţiei, precum şi Legea nr. 47/1992, reţine următoarele:Curtea Constituţională 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.Obiectul excepţiei de neconstituţionalitate îl constituie dispoziţiile art. 149 şi 151 din Legea nr. 263/2010 privind sistemul unitar de pensii publice, publicată în Monitorul Oficial al României, Partea I, nr. 852 din 20 decembrie 2010, dispoziţii potrivit cărora:

Art. 149: „(1) Deciziile de pensie emise de casele teritoriale de pensii şi de casele de pensii sectoriale pot fi contestate, în termen de 30 de zile de la comunicare, la Comisia Centrală de Contestaţii, respectiv la comisiile de contestaţii care funcţionează în cadrul Ministerului Apărării Naţionale, Ministerului Administraţiei şi Internelor şi Serviciului Român de Informaţii.
(2) Procedura de examinare a deciziilor supuse contestării reprezintă procedură administrativă prealabilă, obligatorie, fără caracter jurisdicţional.(3) Comisia Centrală de Contestaţii funcţionează în cadrul CNPP.(4) Deciziile de pensie necontestate în termenul prevăzut la alin. (1) sunt definitive.“;

Art. 151: „(1) Hotărârile Comisiei Centrale de Contestaţii, respectiv ale comisiilor de contestaţii care funcţionează în cadrul Ministerului Apărării Naţionale, Ministerului Administraţiei şi Internelor şi Serviciului Român de Informaţii se comunică persoanelor în cauză şi caselor teritoriale de pensii sau caselor de pensii sectoriale interesate, după caz, în termen de 5 zile de la adoptare. (2) Hotărârile prevăzute la art. 150 alin. (3) pot fi atacate la instanţa judecătorească competentă, în termen de 30 de zile de la comunicare.(3) Hotărârile prevăzute la art. 150 alin. (3) care nu au fost atacate la instanţele judecătoreşti în termenul prevăzut la alin. (2) sunt definitive.“Autorii excepţiei de neconstituţionalitate consideră că prevederile de lege criticate contravin următoarelor texte din Constituţie: art. 21 privind accesul liber la justiţie şi art. 44 referitor la dreptul de proprietate. De asemenea, invocă încălcarea următoarelor texte din Convenţia pentru apărarea drepturilor omului şi a libertăţilor fundamentale: art. 6 privind dreptul la un proces echitabil, art. 17 referitor la interzicerea abuzului de drept şi art. 18 referitor la limitarea folosirilor restrângerilor drepturilor. Examinând excepţia de neconstituţionalitate, Curtea constată că textele de lege criticate fac parte din cap. VIII al Legii nr. 263/2010 - „Jurisdicţia asigurărilor sociale“. Prevederile acestui capitol stabilesc că persoanele nemulţumite de modul de stabilire a pensiei pot contesta deciziile de pensie emise de casele teritoriale de pensii şi de casele de pensii sectoriale, în termen de 30 de zile de la comunicare, la Comisia Centrală de Contestaţii, respectiv la comisiile de contestaţii care funcţionează în cadrul Ministerului Apărării Naţionale, Ministerului Administraţiei şi Internelor şi Serviciului Român de Informaţii. Termenul de soluţionare a acestor contestaţii este de 45 de zile de la data înregistrării acestora, iar hotărârile pronunţate se comunică persoanelor în cauză şi caselor teritoriale de pensii sau caselor de pensii sectoriale interesate, după caz, în termen de 5 zile de la adoptare. Această procedură are caracterul unei proceduri administrative prealabile, obligatorii, fără caracter jurisdicţional. Art. 151 alin. (2) din Legea nr. 263/2010 prevede posibilitatea atacării în instanţă a hotărârilor Comisiei Centrale de Contestaţii, respectiv ale comisiilor de contestaţii care funcţionează în cadrul Ministerului Apărării Naţionale, Ministerului Administraţiei şi Internelor şi Serviciului Român de Informaţii, în termen de 30 de zile de la comunicare.Faţă de criticile formulate de autorii excepţiei de neconstituţionalitate, Curtea reţine următoarele: 1. Critica referitoare la încălcarea prevederilor art. 21 alin. (4) din Constituţie are în vedere faptul că, deşi art. 149 alin. (2) din Legea nr. 263/2010 caracterizează această procedură ca fiind una „administrativă prealabilă, obligatorie, fără caracter jurisdicţional“, în realitate, din cuprinsul art. 13 şi 14 din Regulamentul Ministerului Muncii, Familiei şi Protecţiei Sociale din 2 mai 2011 privind organizarea, funcţionarea şi structura Comisiei Centrale de Contestaţii din cadrul Casei Naţionale de Pensii Publice, aprobat prin Ordinul ministrului muncii, familiei şi protecţiei sociale, al ministrului apărării naţionale, al ministrului administraţiei şi internelor şi al directorului Serviciului Român de Informaţii nr. 1.453/M.34/18.769/10.161/2011, publicat în Monitorul Oficial al României, Partea I, nr. 318 din 9 mai 2011, reiese că această procedură are caracter jurisdicţional, astfel că obligativitatea acesteia este neconstituţională. Curtea constată însă că această critică nu vizează conţinutul prevederilor Legii nr. 263/2010, ci pe cel al Regulamentului Ministerului Muncii, Familiei şi Protecţiei Sociale din 2 mai 2011. Or, potrivit dispoziţiilor art. 29 alin. (1) din Legea nr. 47/1992, Curtea Constituţională este competentă a se pronunţa doar cu privire la „neconstituţionalitatea unei legi sau ordonanţe ori a unei dispoziţii dintr-o lege sau dintr-o ordonanţă în vigoare“. Aceste dispoziţii se referă la lege stricto sensu, ca act adoptat de Parlament şi promulgat de Preşedintele României, astfel că nu acoperă şi sfera actelor administrative emise în aplicarea legilor, ce pot fi contestate însă în faţa instanţelor de contencios administrativ. 2. În ceea ce priveşte critica potrivit căreia, în cazul neparcurgerii procedurii prealabile obligatorii, titularul dreptului la pensie ar fi împiedicat de a se adresa justiţiei, cu încălcarea art. 21 şi, în subsidiar, a art. 44 din Constituţie, Curtea reţine că, reglementând această procedură, legiuitorul a urmărit degrevarea instanţelor de judecată de o mare parte a cauzelor privind drepturile de asigurări sociale prin interpunerea comisiilor de contestaţii în procedura de soluţionare a acestora. Astfel, pensionarii pot supune deciziile de pensii controlului comisiei de contestaţii fără a mai parcurge procedura, în principiu de mai lungă durată, din faţa instanţelor de judecată şi, numai în situaţia când nu sunt mulţumiţi de hotărârile acestei comisii, pot să le supună analizei instanţei de judecată. O astfel de procedură nu poate fi privită ca aducând eo ipso atingere dreptului de acces liber la justiţie, chiar dacă are caracter obligatoriu, atât timp cât, ulterior parcurgerii sale, persoana interesată se poate adresa instanţei de judecată. Prevederile art. 21 din Constituţie nu interzic existenţa unei astfel de proceduri administrative prealabile şi nici obligativitatea acesteia atât timp cât nu are un caracter jurisdicţional. De altfel, în acelaşi sens s-a pronunţat Curtea Constituţională şi prin Decizia nr. 121 din 9 februarie 2010, publicată în Monitorul Oficial al României, Partea I, nr. 149 din 8 martie 2010, în care a statuat că „instituirea unei proceduri administrative prealabile, obligatorii, fără caracter jurisdicţional nu este contrară principiului liberului acces la justiţie cât timp decizia organului administrativ poate fi atacată în faţa unei instanţe judecătoreşti“. De asemenea, Curtea Europeană a Drepturilor Omului a statuat prin Hotărârea din 23 iunie 1981, pronunţată în Cauza Le Compte, Van Leuven şi De Meyere contra Belgiei, paragraful 51, ori Hotărârea din 26 aprilie 1995, pronunţată în Cauza Fischer contra Austriei, paragraful 28, că imperative de supleţe şi eficacitate, pe deplin compatibile cu protecţia drepturilor protejate de Convenţia pentru apărarea drepturilor omului şi a libertăţilor fundamentale, pot justifica intervenţia prealabilă a unor organe administrative care nu îndeplinesc condiţiile cerute de art. 6 paragraful 1 din Convenţie. Ceea ce impun însă dispoziţiile acestui articol convenţional este ca decizia unei asemenea autorităţi să fie supusă controlului ulterior exercitat de un organ de plină jurisdicţie, adică un „tribunal“ în sensul Convenţiei. Faptul că, prin neparcurgerea acestei proceduri ori prin nerespectarea termenelor legale, cel interesat ar putea pierde dreptul de acces la justiţie nu este nici el de natură să demonstreze neconstituţionalitatea procedurii administrative prealabile analizate. Astfel, aşa cum Curtea a statuat în mod constant în jurisprudenţa sa, „liberul acces la justiţie semnifică faptul că orice persoană se poate adresa instanţelor judecătoreşti pentru apărarea drepturilor, a libertăţilor sau a intereselor sale legitime, iar nu faptul că acest drept nu poate fi supus niciunei condiţionări. Mai mult, exercitarea unui drept de către titularul său nu poate avea loc decât cu respectarea cadrului legal stabilit de legiuitor, care, potrivit art. 126 alin. (2) din Constituţie, are legitimarea constituţională de a stabili procedura de judecată. Aceasta implică şi reglementarea unor termene, după a căror expirare valorificarea dreptului nu mai este posibilă“. În acest sens este Decizia nr. 1.033 din 14 septembrie 2010, publicată în Monitorul Oficial al României, Partea I, nr. 722 din 29 octombrie 2010. Prin urmare, având în vedere cele reţinute, Curtea urmează a respinge şi această critică de neconstituţionalitate ca fiind neîntemeiată. 3. În continuare, analizând criticile aduse în mod special prevederilor art. 151 alin. (2) din Legea nr. 263/2010, Curtea reţine că, potrivit celor susţinute de autorii excepţiei de neconstituţionalitate, în urma emiterii hotărârii Comisiei Centrale de Contestaţii, „aceasta din urmă admite total sau parţial contestaţia şi retrimite dosarul pentru revizuire casei de pensii emitente iniţial, spre a emite o nouă decizie de pensie. Împotriva acesteia, pensionarul nu poate introduce direct acţiune în justiţie, întrucât nu a epuizat faza procedurii prealabile“. De asemenea, autorii excepţiei critică faptul că art. 151 alin. (2) din Legea nr. 263/2010, prin redactarea sa restrictivă, în sensul posibilităţii de a ataca în instanţă doar hotărârile comisiilor de contestaţii, iar nu şi direct deciziile de pensionare, creează în fapt un obstacol pentru accesul la justiţie în situaţia în care aceste comisii nu răspund contestatarilor în termenul prevăzut de lege. Faţă de prima critică de neconstituţionalitate, Curtea reţine că aspectele de neconstituţionalitate invocate provin dintr-o eronată interpretare a textului de lege criticat. Astfel, este evident lacunară interpretarea potrivit căreia pensionarul nu ar putea niciodată supune controlului judiciar hotărârea Comisiei Centrale de Contestaţii. Acest raţionament omite faptul că, deşi prin hotărârea pronunţată Comisia Centrală de Contestaţii poate dispune recalcularea pensiei şi emiterea unei noi decizii de pensionare de către casa de pensii, totodată această hotărâre poate fi atacată în instanţă, potrivit art. 151 alin. (2) din Legea nr. 263/2010. De asemenea, rezultat al unei interpretări eronate pare a fi şi critica referitoare la faptul că textul de lege criticat ar bloca accesul la justiţie al celor care, deşi s-au adresat comisiilor de contestaţii, nu au primit o hotărâre de la acestea în termenul legal. Astfel, Curtea apreciază că, în măsura în care o persoană face dovada îndeplinirii cerinţelor legii de a se adresa comisiei de contestaţii pentru soluţionarea cererilor referitoare la drepturile de asigurări sociale şi a faptului că termenul legal pentru soluţionarea şi comunicarea acestora a fost depăşit, instanţele de judecată, în virtutea rolului lor activ prevăzut de art. 129 alin. (5) din Codul de procedură civilă, nu ar putea respinge ca prematură ori inadmisibilă acţiunea, ci ar proceda la soluţionarea acesteia pe fond. Aceasta nu exclude demersul prealabil al instanţei de a obţine răspunsul pe care comisia l-a dat contestaţiei formulate potrivit art. 149 din Legea nr. 263/2010. Invocarea din oficiu a excepţiei de prematuritate a acţiunii în justiţie nu este posibilă, de vreme ce dispoziţiile art. 109 alin. (3) din Codul de procedură civilă prevăd că „neîndeplinirea procedurii prealabile nu poate fi invocată decât de către pârât prin întâmpinare, sub sancţiunea decăderii“. Pe de altă parte, invocarea acestei excepţii de către comisiile de contestaţii ar echivala cu invocarea propriei culpe. Cu toate acestea, aşa cum o demonstrează practica judiciară invocată de autorii excepţiei, unele instanţe de judecată interpretează prevederile art. 151 alin. (2) din Legea nr. 263/2010 ca un obstacol de a se adresa justiţiei nu doar în situaţia în care contestatarul nu a parcurs procedura administrativă prealabilă obligatorie, ci şi în cazul în care acesta a făcut toate demersurile necesare, dar comisia de contestaţii nu a soluţionat cererea în termenul legal. Textul de lege în discuţie, prin redactarea sa lacunară, dă posibilitatea unei astfel de interpretări ce are drept consecinţă încălcarea dreptului fundamental de acces liber la justiţie. Curtea, prin Decizia nr. 953 din 19 decembrie 2006, publicată în Monitorul Oficial al României, Partea I, nr. 53 din 23 ianuarie 2007, a statuat că existenţa oricărui impediment administrativ, care nu are o justificare obiectivă sau raţională şi care ar putea până la urmă să nege accesul liber la justiţie, încalcă în mod flagrant prevederile art. 21 alin. (1)-(3) din Constituţie. Într-adevăr, prevederea dreptului de acces la justiţie, în condiţiile în care acesta poate fi obstrucţionat sau amânat fără termen din motive imputabile unui organ administrativ, poate pune în discuţie afectarea acestui drept ori chiar lipsirea sa de substanţă. Astfel, împrejurările care pot aduce atingere dreptului de acces liber la justiţie trebuie căutate nu doar în modul de reglementare a acestui drept, ci şi în modalitatea prin care, în practică, acesta se poate realiza în funcţie de condiţiile existente. Făcând trimitere la raţionamentul Curţii Europene a Drepturilor Omului statuat încă din anul 1979 în Hotărârea pronunţată în Cauza Airey contra Irlandei, instanţa de contencios constituţional reţine că, asemenea Convenţiei pentru apărarea drepturilor omului şi a libertăţilor fundamentale, Constituţia României nu are ca scop să apere drepturi teoretice sau iluzorii, ci concrete şi efective. Or, interpretarea dată dispoziţiilor art. 151 alin. (2) din Legea nr. 263/2010, în sensul că acestea ar putea amâna fără limită de timp realizarea drepturilor titularilor dreptului de pensie, poate fi privită, fără îndoială, ca o atingere a dreptului de care aceştia trebuie să se bucure potrivit art. 21 din Constituţie. Curtea apreciază că înlăturarea oricărei posibile interpretări a legii de natură să limiteze accesul liber la justiţie se impune cu atât mai mult în contextul avut în vedere cu cât acesta priveşte realizarea dreptului la pensie. Astfel, deşi pronunţate într-un alt context, considerentele Deciziei nr. 874 din 25 iunie 2010, publicată în Monitorul Oficial al României, Partea I, nr. 433 din 28 iunie 2010, au în prezenta cauză o deosebită relevanţă: „Scopul pensiei este acela de a compensa în perioada pasivă a vieţii persoanei asigurate contribuţiile vărsate de către aceasta la bugetul asigurărilor sociale de stat în temeiul principiului contributivităţii şi de a asigura mijloacele de subzistenţă a celor care au dobândit acest drept în condiţiile legii (perioadă contributivă, vârstă de pensionare etc.). Astfel, statul are obligaţia pozitivă de a lua toate măsurile necesare realizării acestei finalităţi şi de a se abţine de la orice comportament de natură a limita dreptul la asigurări sociale. Deşi sumele plătite cu titlu de contribuţie la asigurările sociale nu reprezintă un depozit la termen şi, prin urmare, nu pot da naştere vreunui drept de creanţă asupra statului sau asupra fondurilor de asigurări sociale (Decizia Curţii Constituţionale nr. 861 din 28 noiembrie 2006, publicată în Monitorul Oficial al României, Partea I, nr. 45 din 22 ianuarie 2007), ele îndreptăţesc persoana care a realizat venituri şi care a plătit contribuţia sa la bugetul asigurărilor sociale de stat să beneficieze de o pensie care să reflecte nivelul veniturilor realizate în perioada activă a vieţii. Cuantumul pensiei, stabilit potrivit principiului contributivităţii, se constituie într-un drept câştigat, astfel încât diminuarea acesteia nu poate fi acceptată nici măcar cu caracter temporar. Prin sumele plătite sub forma contribuţiilor la bugetul asigurărilor sociale, persoana în cauză, practic, şi-a câştigat dreptul de a primi o pensie în cuantumul rezultat prin aplicarea principiului contributivităţii.“ Având în vedere cele reţinute, Curtea apreciază că dispoziţiile art. 151 alin. (2) din Legea nr. 263/2010 sunt constituţionale în măsura în care se interpretează că nesoluţionarea contestaţiilor şi necomunicarea în termenul legal a hotărârilor Comisiei Centrale de Contestaţii, respectiv ale comisiilor de contestaţii care funcţionează în cadrul Ministerului Apărării Naţionale, Ministerului Administraţiei şi Internelor şi Serviciului Român de Informaţii nu împiedică accesul la justiţie. Pentru considerentele expuse, în temeiul art. 146 lit. d) şi al art. 147 alin. (4) din Constituţie, precum şi al art. 1-3, al art. 11 alin. (1) lit. A.d) şi al art. 29 din Legea nr. 47/1992, CURTEA CONSTITUŢIONALĂ În numele legii DECIDE: 1. Constată că dispoziţiile art. 151 alin. (2) din Legea nr. 263/2010 privind sistemul unitar de pensii publice, care au format obiectul excepţiei de neconstituţionalitate ridicate de Sindicatul cadrelor militare disponibilizate în rezervă şi în retragere, în calitate de reprezentant al membrilor săi Emil Pătrăşcanu şi Gheorghe Ţuţuianu, în dosarele nr. 2.326/103/2011 şi nr. 2.334/103/2011 ale Curţii de Apel Bacău - Secţia I civilă şi de Constantin Dumitrache în Dosarul nr. 7.401/120/2011 al Curţii de Apel Ploieşti - Secţia I civilă, sunt constituţionale în măsura în care se interpretează că nesoluţionarea contestaţiilor şi necomunicarea în termenul legal a hotărârilor Comisiei Centrale de Contestaţii, respectiv ale comisiilor de contestaţii care funcţionează în cadrul Ministerului Apărării Naţionale, Ministerului Administraţiei şi Internelor şi Serviciului Român de Informaţii nu împiedică accesul la justiţie. 2. Respinge, ca neîntemeiată, excepţia de neconstituţionalitate a dispoziţiilor art. 149 şi art. 151 alin. (1) şi (3) din Legea nr. 263/2010, excepţie ridicată de Sindicatul cadrelor militare disponibilizate în rezervă şi în retragere, în calitate de reprezentant al membrilor săi Emil Pătrăşcanu şi Gheorghe Ţuţuianu, în dosarele nr. 2.326/103/2011 şi nr. 2.334/103/2011 ale Curţii de Apel Bacău - Secţia I civilă, de Curtea de Apel Cluj - Secţia I civilă, din oficiu, în Dosarul nr. 9.354/117/2011 şi de Constantin Dumitrache în Dosarul nr. 7.401/120/2011 al Curţii de Apel Ploieşti - Secţia I civilă. Prezenta decizie se comunică celor două Camere ale Parlamentului şi Guvernului. Definitivă şi general obligatorie. Pronunţată în şedinţa publică din data de 13 noiembrie 2012. PREŞEDINTELE CURŢII CONSTITUŢIONALE, AUGUSTIN ZEGREAN Magistrat-asistent, Patricia Marilena Ionea


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ANONIM a comentat Decretul 430 2016
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ANONIM a comentat Decretul 430 2016
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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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.com
ANONIM a comentat Decretul 430 2016
    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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.com
ANONIM a comentat Decretul 430 2016
    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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.com
ANONIM a comentat Decretul 430 2016
    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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.com
ANONIM a comentat Decretul 430 2016
    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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.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@cheerful.com ,( PergoCF@qualityservice.com ), PergoCF@gmail.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 ,( PergoCF@qualityservice.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS. Please, contact us for more information: PergoCF@qualityservice.com ,( PergoCF@gmail.com ), PergoCF@cheerful.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 ,( PergoCF@gmail.com ), PergoCF@cheerful.com Yours Sincerely, Mrs. Ceren Kelly PergoCF@gmail.com PergoCF@qualityservice.com PergoCF@cheerful.com We look forward to hear from you ASAP Interested applicants should Contact us via email: PergoCF@cheerful.com
ANONIM a comentat Decretul 369 2017
    m Obecnie udzielamy pożyczkę zainteresowanym osobom i firmom. Czy zostały odrzucone pożyczki przez banki z powodu złego wyniku kredytowego lub próbowałeś i nie udało się, lub musisz rozpocząć działalność gospodarczą, ale finansowo w dół, złożyć wniosek o pożyczkę teraz w wysokości 2% Wszystkie zgłoszenie należy przekazać do witryny : //worldbestloans.wix.com/worldbestloans Email: worldbestloans@gmail.com
ANONIM a comentat Ordin 494 2014
     Sunteți într-o situație financiară proastă? Ai nevoie de un împrumut? Ai nevoie de funsing pentru afacerea ta? Serviciile noastre sunt rapide și foarte fiabile, deoarece aveți garanția obținerii împrumutului de îndată ce aplicați; împrumuturile sunt aprobate în termen de 30 de minute de la aplicare. Contactați-ne acum la (Freemanloanfinance@gmail.com) și obțineți împrumuturile dvs. astăzi. Mulțumiri, Jamie Freeman.
ANONIM a comentat Ordin 494 2014
    Finanțarea rapidă și fiabilă este acum disponibilă la doar 2%. Căutați mijloace de încredere pentru a obține finanțare? Planificați să vă începeți activitatea de vis, dar nu aveți încă capital? Încercați să obțineți o casă, dar nu știți cum să obțineți fondurile necesare? Aceasta este în cele din urmă o oportunitate de aur la domiciliul dvs. pentru a obține finanțate fără hassle și stres, deoarece vă sunt garantate să se bucure de serviciile noastre financiare de încredere, care este disponibil pentru toți, la doar 2%, vă rugăm să ne trimiteți un e-mail pentru răspuns rapid la Freemanloanfinance@gmail.com Aprobat astăzi. Mulțumiri Jamie Freeman www.freemanfinance.webs.com
ANONIM a comentat Decretul 259 2017
    Obțineți un împrumut rapid și legit la o rată scăzută de 2%, Oferim toate tipurile de împrumuturi, Contactați-ne la: wattlesfinance@gmail.com WhatsApp +919740683456
Alte acte pe aceeaşi temă cu Decizia 956/2012
Coduri postale Prefixe si Coduri postale din Romania Magazin si service calculatoare Sibiu