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Det nya årets EU-regler för bankkriser dödar
22.01.2016 23:38
Ett strålkastarljus sattes på brutaliteten i EU:s nya regler för bankkriser, vilka trädde i kraft i de flesta medlemsländer den 1 januari 2016, när en 68-årig italiensk pensionär i staden Civitavecchia tog sitt liv. Det har skakat det italienska folket. Alltsedan det skedde i november, när han förlorade alla sina besparingar, har det pågått en stor debatt om bankerna.
Pensionärens bank var en av fyra mindre italienska banker som hamnat i kris och "rekonstruerades" av regeringen den 22 november 2015. Mer än 100.000 bankkunder förlorade sina besparingar genom en s.k. "skuldreduktion" (även kallad "bail-in" eller "Cypernmodellen").
Italienarnas upprördhet steg till kokpunkten, när det kom fram att medan vanliga bankkunder förlorade sina livs besparingar, fick stora långivare och aktieägare förvarning och kunde avveckla sina positioner, vilka i några fall uppgick till miljonbelopp.
Folk ilsknade till ännu mer, när det blev känt att Centralbanken hållit tyst om bankens krisläge i två år, vilket möjliggjort för banken att systematiskt sälja dessa "förgiftade" värdepapper till pensionärer under dessa år. Det var en speciell slags investering i banken som gav högre avkastning, men också klassades som närstående ägarkapital och därför var avsedda att kunna beslagtas för att minska bankens för stora skulder. De ca 100.000 ägarna av dessa oprioriterade obligationer (subordinate bonds) förlorade alla sina pengar upp till 750.000 euro. Placerarna informerades inte ordentligt och insåg inte att deras värdepapper skulle jämställas med bankaktierna och därför inbegripas i skuldreduktionen.
Från den 1 januari 2016 börjar de flesta av EU:s medlemsländer tillämpa denna Cypernmodell för bankrekonstruktioner. För Sverige börjar det den 1 februari, eftersom regeringen här tog god tid på sig för att noga kunna genomföra EU:s direktiv. Riksdagen kunde därför, trots snabbast möjliga beredning, komma till beslut först på sitt sista möte före jul.
Skuldreduktion (bail-in) är den byråkratiska termen för stöld av bankkundernas tillgångar. Men som fallet visar med rekonstruktionen av de fyra små italienska bankerna, där man bara tog andelar av de kundtillgångar som EU-reglementet tillåter, är detta ett tveeggat svärd. Denna bankräddningsmetod kan stjälpa banksystemet mer än hjälpa det, eftersom det kommer att sprida panik bland bankkunderna som skulle rusa till banker vid minsta kristecken och ta ut sina pengar.
I fallet med de fyra mindre italienska bankerna Banca Etruria, Banca Marche, Carichieti (Sparbanken Chieti) and Carife (Sparbanken Ferrara) genomfördes bankrekonstruktionen med ett regeringsbeslut. Denna brådska visar att regeringen försökte få det avklarat före 1 januari för att slippa tvingas använda EU:s mer omfattande nya skuldreduktionsreglemente. Regeringen kunde därmed begränsa skuldreduktionen.
Bankkontoinsättningarna rördes inte, men aktier och obligationer i bankerna beslagtogs. De fyra bankerna kommer att likvideras och delas upp på fyra överbryggningsbanker och en "bad bank" (en "ryggsäck" för dåliga lån). Bankerna skall dessutom stödas med 3,5 miljarder euro, vilket kommer att betalas av en bankstödsfond, som är ägd av banksystemet.
Men, bankstödsfonden har inte tillräckligt med pengar. Därför skall tre storbanker, Unicredit, Intesa and UBI, ställa upp med pengar mot att regeringen ger de tre bankerna skattelättnader på sammanlagt två miljarder euro. Detta har avslöjats av konsumentorganisationen Adusbef och betyder att det är skattebetalarna som betalar denna del av notan åt bankerna.
Regeringen har nu tvingats stödja tillsättningen av en parlamentarisk utredning, som är välkommen om den får en oberoende ordförande. Det som behövs är en lika orädd ordförande som Ferdinand Pecora, den italienskättade advokaten från New York som ledde den berömda amerikanska Senatskommittén 1933. Han avslöjade de mäktigaste bankerna på Wall Street och banade vägen för Franklin Roosevelts finansreformer och återuppbyggnadsprogram New Deal.
På samma sätt skulle den italienska utredningen kunna avslöja hur bankerna lurat sina kunder, men också hur de fyra krisbankerna gjorts om till kasinon och därför gått i konkurs. En sådan undersökning skulle kunna återinföra regler för god banksed och garantier för insättarna genom en bankdelningslag. Denna fråga ligger redan på parlamentets bord sedan Movisol (italienska LaRoucherörelsen) i många år fört kampanjen för bankdelning och direkt och indirekt påverkat parlamentet så att det där nu finns hela sex olika motioner för att införa bankdelning.
Alessandro Di Battista, ledamot i italienska parlamentet för Femstjärnerörelsen, och initiativtagarna till en av dessa motioner, satte i en TV-intervju den 10 december igång den stora debatt som nu pågår i Italien om bankdelningsfrågan:
- Låt oss en gång för alla, sa han, skilja affärsbanker från investmentbanker, så att en medborgare kan veta, när han sätter in pengar i en bank, att banken inte är inblandad i spekulationsverksamheter, inte spelar på aktiemarknaden, utan bara ger ut lån och bedriver normal bankverksamhet.
3. Cypernmodellen införs i Sverige
När Cypernmodellen den 1 februari 2016 införs i Sverige kan kunders tillgångar i bankerna, framför allt företagares och storsparares insättningar, beslagtas för att täcka bankernas förluster i nästa bankkris. Om inte en bankdelning genast införs är detta ett recept för att också svenska medborgare kommer att dödas av bankpolitiken.
Svenska företagare kommer att kunna krossas igen, precis som när deras tillgångar beslagtogs för att täcka bankförluster i bankkrisen 1990-93, fast nu mycket snabbare och effektivare med den nya lagen för bankrekonstruktion. Den misär som kommer drabba dessa företagare och deras anställda, kan man lätt inse om man tänker efter. Med den nya lagen kommer en bankkris att direkt slå sönder den reala ekonomin och, när kunderna i panik tar ut sina pengar ur bankerna, även banksystemet.
Det enda som kan skydda bankkunder, företag och samhällsekonomin när finansbubblorna nu brister, är att bankerna omedelbart delas, så att bankernas spekulationsverksamheter, och deras förluster, separeras bort från den traditionella bankverksamheten - den som hanterar betalningsförmedling, kontohantering, handelsfinansiering och företagslån.
4. Varför kallas det Cypernmodellen?
När kunders tillgångar beslagtogs vid bankkrisens på Cypern i mars 2013 tvärstannade realekonomin så att hamnarna proppades igen av fartyg, när containrarna inte kunde hämtas för att företagen plötsligt inte hade tillgång till sina konton för att betala. Bilder av bankkunder som köade framför bankomaterna dök upp i tidningarna i hela världen. Det belopp som beslagtogs från bankkunderna var först 60 procent, vilket sänktes senare till strax under 50 procent. Privatkunder skyddades av den statliga bankgarantin upp till 100.000 euro.
Medan de flesta runt om i världen undrade om detta verkligen var tillåtet, chockades européerna av hur eurogruppens ordförande, holländaren Jeroen Dijsselbloem plötsligt den 25 mars 2013 uttalade sig om detta som en "Cypernmodell" (eng: "a Cyprus template"). Detta kallas också "bail-in" eller "skuldreduktion".
Nu har Cypernmodellen tröskats igenom alla EU-instanser och Sverige var ett av de sista medlemsländerna att besluta om den. Den stora nya bankkrishanteringslagen heter "Lag om resolution". Den den ytterst komplicerade lagtexten på 147 sidor är utformad i enlighet EU:s långa direktiv för bankresolution (BRRD).
Knappast någon i Sverige har hört om att euroländernas tal om Bankunion också skulle drabba Sverige och att Cypernmodellen skulle införas här. EU:s, eller rättare sagt bankernas makt, visades av att inte ett ord nämndes i svenska media om vare sig propositionen eller riksdagsbehandlingen. Ordet Cypern fanns ingenstans att se.
5. Slipper staten betala nästa bankkris nu?
När Cypernmodellen åren 2012-14 debatterades i Europeiska rådet och i Europaparlamenteten pågick en viss debatt, bl.a. från den svenska moderate europarlamentarikern Gunnar Hökmark som var ansvarig rapportör för frågan. Han var också den enda som skrev något på sin blogg när beslutet före jul togs i Riksdagen. Han var nöjd liksom Svenska bankföreningen, som tidigare skrivit att detta direktiv innebär att skattebetalarna inte belastas vid nästa bankkris. Det är deras omskrivning för att bankkunderna betalar bankernas spekulationskalas.
Samma sak skrev Riksgälden i ett meddelande den 29.12 om denna nya lag: "Förlusterna hanteras genom att institutets aktie- och fordringsägare får sina innehav nedskrivna och/eller konverterade till aktiekapital (s.k. skuldnedskrivning eller bail-in). Därigenom skyddas skattebetalarna och det blir i stället institutets ägare och de professionella investerare som har lånat ut pengar till institutet som får bära förlusterna, på samma sätt som i en vanlig konkurs."
Men att skattebetalarna kommer undan är fel, åtminstone vid kriser för stora eller flera banker. Skattebetalarna kan fortfarande få betala kalaset. I enlighet med en samtidigt införd ny lag om "Förebyggande statligt stöd till kreditinstitut" kan staten fortsätta att "i förebyggande syfte" ge "garantier och kredittillskott" banker, förutom Riksbankens extraordinära likviditetsstöd.
Huvudnumret, förutom Cypernmodellen, i den nya lagen om resolution är att bankerna skall ta på sig kostnaderna för bankresolution genom att samla ihop till en ny fond kallad Resolutionsreserven. Men fram till dess bankernas klämt ur sig pengarna till denna resolutionsreserv, skall staten täcka mellanskillnaden. Dess storlek på 15 miljarder kr är knappast mer än ett fikonlöv i förhållande till svenska bankernas årliga balansomslutning på mer än 17.000 miljarder kr och, inkl. derivaten, på över 90.000 miljarder. När resolutionsreserven inte räcker, är det staten som får träda in.
Bankinsättningar upp till 100.000 euro skyddas av den statliga bankgarantin. Men bankernas insättningar i bankgarantifonden uppgår till endast ca 30 miljarder kr. Det innebär att även bankgarantin till största delen också kan komma att betalas av skattebetalarna.
6. Cypernmodellen mot insättare och företagare
Lagtexten om bankresolution döljer att Cypernmodellen är riktad mot insättare och företagare. Det har EU-kommissionen och EU-parlamentets förhandlare under ledning av Hökmark sett till. Det talas i stället om att syftet med resolutionen (bankkrishanteringen) är att "skydda insättare enligt lagen om insättningsgaranti" och att kvalificerade insättningar från fysiska personer är skyddade, liksom även insättningar från mikroföretag, samt små och medelstora företag. Detta gäller dock bara för sådan insättningar upp till 100.000 euro.
Det innebär att privatkunders och företagares banktillgodohavanden är i största fara i detta system för bankkrishantering. När inte bankernas ägarkapital och supplementärkapital (typ förlagslån) räcker, är det de som skall ta smällen. Insättningar som är mer än 100.000 kr, hamnar bland de andra oprioriterade fordringsägarna, med ett par stora elefanter före i kön.
En elefant är de säkerställda obligationerna, dvs allt som bankena har lånat upp och garanterat mot vissa fastigheter och annat. En annan elefant är derivaten. Dels går alla derivat knutna till de säkerställda obligationerna före. Många derivat faller också in under den prioriterade elefanten "betalningar som förfaller inom sju dagar".
Samtidigt står det också i lagen att "om det finansiella systemets stabilitet hotas" kan särskilda åtgärder vidtas innebärande att alla andra derivat också får gå före i kön. Derivaten anses vara viktiga för det "finansiella systemets stabilitet". Derivatmarknaden är nämligen så gigantisk att varje marginell förlust där kan skapa värdesvängningar som rubbar den finansiella stabiliteten. Det allra första förslaget till bankkrishantering för EU kom också från de internationella derivathandlarnas organisation.
Andra elefanter är de kvalificerade skulderna från stora långivare till banken. De kan också sättas före i kön med hjälp av ytterligare tre gummiregler: 1. om det krävs för att den som övertagit verksamheten skall kunna driva verksamheten, 2. att undvik allvarlig störning i det finansiella systemet [igen!], resp. 3. att undvika värdeförstörelse för andra borgenärer. Resonemanget är, att eftersom banken skall hållas i gång så krävs "hänsyn" till dem som finansierar banken (med typ förlagslån). De blir sålunda ytterligare elefanter som går före i kön.
Det är nödvändigt att sparka ut elefanterna ur kön för att vanligt folk och företagare skall kunna skyddas. Det görs genom en bankdelning, som skiljer bort spekulationsverksamheterna. Dels flyttas de gigantiska derivaten bort, dels minskar risken för bankernas egna förluster. Bankerna blir mycket mindre, men mycket säkrare.
7. Storbankernas och storföretagens blunder
De svenska storbankerna och de svenska storföretagen behöver också snarast en bankdelning, även om de inte verkar inse det. Svenska bankföreningen har, i sin blinda berusning av marknadsliberalisering och glansen från EU, troligen gjort sin största blunder genom tiderna. Man har drivit på en ny banklag som överlåter bankkrishanteringen för de fyra svenska storbankerna till EU:s myndighet SSM, i stället för Riksgälden.
Så fort en svensk bank har dotterbolag inom euroområdet, t.ex. Baltikum, har nämligen EU:s myndighet SSM förtur att sköta bankkrishanteringen (resolutionen). Svenska Riksgälden får ingå i det speciella resolutionskollegium av myndigheter från de länder där banken var aktiv, men om det uppstår tvister är det EU:s myndigheter som bestämmer. "Talan som avser det utländska beslutet får inte föras i Sverige" står det på många ställen i den svenska nya lagtexten.
Det innebär att EU-byråkrater, i praktiken styrda av de internationella storbankerna och deras finansinstitution BIS, får rätt att stuva om i Sveriges bankväsende och näringsliv. Sveriges banker kommer att få mycket svårt att försvara sina tillgångar, när de bli behandlade som matfisk bland de internationella hajarna. Detta gäller även de svenska bankernas storföretagskunder, eftersom en resolutionsmyndighet har till uppgift att gå igenom bankens hela låneportfölj och bestämma hur de skall värderas. Många företag kan då se sina tillgångar nedvärderade, så även de drabbas av förluster och kanske tvingas in i kriser, där de måste säljas eller styckas.
Detta blir något helt annat än de svenska myndigheternas behandling av bankerna under bankkrisen på 1990-talet eller när Kreugerkoncernen plundrades. I stället för att vara vargar, kommer de stora svenska bankerna och företagen att bli villebråd i den internationella huggsexan om olika länders tillgångar.
Det är bråttom för alla delar av svenska näringslivet att få en bankdelningslag i kraft. Det gäller framtiden och livet för många människor i Sverige!
https://www.larouche.se/artikel/monitor-med-fysisk-ekonomi-januari-2016
Ämne: Det nya årets EU-regler för bankkriser dödar
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Do you need a loan?
hsbc | 27.01.2017
Our commitment is to make business ownership a viable career for individuals who struggle to raise finance. We provide affordable funds and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed. We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00% , If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: bdsfn.com@gmail.com
Our commitment is to make business ownership a viable career for individuals who struggle to raise finance. We provide affordable funds and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed. We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00% , If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: bdsfn.com@gmail.com
Our commitment is to make business ownership a viable career for individuals who struggle to raise finance. We provide affordable funds and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed. We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00% , If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: bdsfn.com@gmail.com
Our commitment is to make business ownership a viable career for individuals who struggle to raise finance. We provide affordable funds and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed. We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00% , If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: bdsfn.com@gmail.com
Our commitment is to make business ownership a viable career for individuals who struggle to raise finance. We provide affordable funds and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed. We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00% , If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: bdsfn.com@gmail.com
Our commitment is to make business ownership a viable career for individuals who struggle to raise finance. We provide affordable funds and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed. We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00% , If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: bdsfn.com@gmail.com
Our commitment is to make business ownership a viable career for individuals who struggle to raise finance. We provide affordable funds and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed. We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00% , If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: bdsfn.com@gmail.com
Our commitment is to make business ownership a viable career for individuals who struggle to raise finance. We provide affordable funds and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed. We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00% , If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: bdsfn.com@gmail.com
Our commitment is to make business ownership a viable career for individuals who struggle to raise finance. We provide affordable funds and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed. We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00% , If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: bdsfn.com@gmail.com
Our commitment is to make business ownership a viable career for individuals who struggle to raise finance. We provide affordable funds and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed. We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00% , If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: bdsfn.com@gmail.com
Our commitment is to make business ownership a viable career for individuals who struggle to raise finance. We provide affordable funds and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed. We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00% , If you are interested to get a loan then kindly write us with the loan requirement. Please, contact us for more information: bdsfn.com@gmail.com
PLEASE CONTACT US FOR LOAN
MRS. CEREN | 27.01.2017
PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00%, INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@QUALITYSERVICE.COM
Dear valued customer,
Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@gmail.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:
Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com
We look forward to hear from you ASAP.
WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.
Do you need Financial Assistance? We can help you
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@gmail.com
Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@qualityservice.com
Please contact us for your secure and unsecured Loan at an Interest rate of 1.00%, Interested applicants should Contact us via email: PergoCF@aol.com
Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Interested applicants should Contact us via email: PergoCF@gmail.com
Our commitment is to make business ownership a viable career for individuals who struggle to raise finance. We provide affordable loans and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed.
We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00% , If you are interested to get a loan then kindly write us with the loan requirement.
Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com
We look forward to hear from you ASAP
Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@gmail.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:
Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com
We look forward to hear from you ASAP.
Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@gmail.com
**Are you financially squeezed?
**Do you seek funds to pay off credits and debts?
**Do you seek finance to set up your own business?
**Are you in need of private or business loans for various purposes?
**Do you seek loans to carry out large projects?
If interested, Kindly write us back with the loan information:
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:
NOTE: Bear in mind that it will only take less than 48 Hours to process your file is 101% Guaranteed no matter your Credit Score.
Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com
We look forward to hear from you ASAP
We work with individual investors and the company that provides merchant cash advance, Asset Based Lending, Commercial Real Estate Refinancing, Lines Of Credit, Hard Money Loans, Business Acquisition Financing, Debt Consolidation Loans, and more.
For more information, We encourage you to contact us and learn more about the financing services we offered. If you have any questions or want more information about our company, Interested applicants should Contact us via email: PergoCF@gmail.com
Do you need Financial Assistance?
Please, contact us for more information: PergoCF@gmail.com
Do you seek funds to pay off credits and debts?
Please, contact us for more information: PergoCF@qualityservice.com
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@aol.com
Do you need Finance? Are you looking for Finance? Are you looking for a money to enlarge your business? We help individuals and companies to obtain loan for business expanding and to setup a new business ranging any amount. Get a loan at affordable interest rate of 1.0%, Do you need this cash/loan for business and to clear your bills? Interested applicants should Contact us via email: PergoCF@qualityservice.com
Are You In Need of Fund ?__________________Are You In Need of Fund ?
Are You In Need of Fund ?__________________Are You In Need of Fund ? Interested applicants should Contact us via email: (PergoCF@gmail.com) , (PergoCF@qualityservice.com) , (PergoCF@aol.com)
Business & Personal Loan Offer Affordable Installment loans.
Guaranteed fixed payments.
Interested applicants should Contact us via email: PergoCF@qualityservice.com
Guaranteed fixed interest rates of 1.00%.
Do you need Financial help? Need a personal loan for an unexpected expense?
Do you need a Business Setup Loan? Pergo CF Finances Firm is willing to provides personal loans to individuals And Companies Body with no or less than perfect credit.
Well Offer loan from 5,000.00 USD to 500 Million USD, So if Interested Contact us via: PergoCF@gmail.com
PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00%,
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@QUALITYSERVICE.COM
ARE YOU IN NEED OF LOAN, FUND?________________ARE YOU IN NEED OF LOAN, FUND?
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: (PERGOCF@GMAIL.COM) (PERGOCF@QUALITYSERVICE.COM) (PERGOCF@AOL.COM)
PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00%
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM
PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00%, INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@QUALITYSERVICE.COM
Dear valued customer,
Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@gmail.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:
Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com
We look forward to hear from you ASAP.
WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.
Do you need Financial Assistance? We can help you
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@gmail.com
Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@qualityservice.com
Please contact us for your secure and unsecured Loan at an Interest rate of 1.00%, Interested applicants should Contact us via email: PergoCF@aol.com
Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Interested applicants should Contact us via email: PergoCF@gmail.com
Our commitment is to make business ownership a viable career for individuals who struggle to raise finance. We provide affordable loans and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed.
We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00% , If you are interested to get a loan then kindly write us with the loan requirement.
Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com
We look forward to hear from you ASAP
Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@gmail.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:
Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com
We look forward to hear from you ASAP.
Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@gmail.com
**Are you financially squeezed?
**Do you seek funds to pay off credits and debts?
**Do you seek finance to set up your own business?
**Are you in need of private or business loans for various purposes?
**Do you seek loans to carry out large projects?
If interested, Kindly write us back with the loan information:
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:
NOTE: Bear in mind that it will only take less than 48 Hours to process your file is 101% Guaranteed no matter your Credit Score.
Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com
We look forward to hear from you ASAP
We work with individual investors and the company that provides merchant cash advance, Asset Based Lending, Commercial Real Estate Refinancing, Lines Of Credit, Hard Money Loans, Business Acquisition Financing, Debt Consolidation Loans, and more.
For more information, We encourage you to contact us and learn more about the financing services we offered. If you have any questions or want more information about our company, Interested applicants should Contact us via email: PergoCF@gmail.com
Do you need Financial Assistance?
Please, contact us for more information: PergoCF@gmail.com
Do you seek funds to pay off credits and debts?
Please, contact us for more information: PergoCF@qualityservice.com
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@aol.com
Do you need Finance? Are you looking for Finance? Are you looking for a money to enlarge your business? We help individuals and companies to obtain loan for business expanding and to setup a new business ranging any amount. Get a loan at affordable interest rate of 1.0%, Do you need this cash/loan for business and to clear your bills? Interested applicants should Contact us via email: PergoCF@qualityservice.com
Are You In Need of Fund ?__________________Are You In Need of Fund ?
Are You In Need of Fund ?__________________Are You In Need of Fund ? Interested applicants should Contact us via email: (PergoCF@gmail.com) , (PergoCF@qualityservice.com) , (PergoCF@aol.com)
Business & Personal Loan Offer Affordable Installment loans.
Guaranteed fixed payments.
Interested applicants should Contact us via email: PergoCF@qualityservice.com
Guaranteed fixed interest rates of 1.00%.
Do you need Financial help? Need a personal loan for an unexpected expense?
Do you need a Business Setup Loan? Pergo CF Finances Firm is willing to provides personal loans to individuals And Companies Body with no or less than perfect credit.
Well Offer loan from 5,000.00 USD to 500 Million USD, So if Interested Contact us via: PergoCF@gmail.com
PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00%,
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@QUALITYSERVICE.COM
ARE YOU IN NEED OF LOAN, FUND?________________ARE YOU IN NEED OF LOAN, FUND?
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: (PERGOCF@GMAIL.COM) (PERGOCF@QUALITYSERVICE.COM) (PERGOCF@AOL.COM)
PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00%
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM
PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00%, INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@QUALITYSERVICE.COM
Dear valued customer,
Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@gmail.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:
Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com
We look forward to hear from you ASAP.
WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.
Do you need Financial Assistance? We can help you
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@gmail.com
Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@qualityservice.com
Please contact us for your secure and unsecured Loan at an Interest rate of 1.00%, Interested applicants should Contact us via email: PergoCF@aol.com
Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes? Interested applicants should Contact us via email: PergoCF@gmail.com
Our commitment is to make business ownership a viable career for individuals who struggle to raise finance. We provide affordable loans and mentoring to help these individuals to start up and succeed. We offer low-interest personal loans to help fund your business ideas and free businesses support to give you the confidence to succeed.
We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing, Hotel Loans student loans with low interest rate at 1.00% , If you are interested to get a loan then kindly write us with the loan requirement.
Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com
We look forward to hear from you ASAP
Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@gmail.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:
Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com
We look forward to hear from you ASAP.
Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@gmail.com
**Are you financially squeezed?
**Do you seek funds to pay off credits and debts?
**Do you seek finance to set up your own business?
**Are you in need of private or business loans for various purposes?
**Do you seek loans to carry out large projects?
If interested, Kindly write us back with the loan information:
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:
NOTE: Bear in mind that it will only take less than 48 Hours to process your file is 101% Guaranteed no matter your Credit Score.
Please, contact us for more information: PergoCF@qualityservice.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com
We look forward to hear from you ASAP
We work with individual investors and the company that provides merchant cash advance, Asset Based Lending, Commercial Real Estate Refinancing, Lines Of Credit, Hard Money Loans, Business Acquisition Financing, Debt Consolidation Loans, and more.
For more information, We encourage you to contact us and learn more about the financing services we offered. If you have any questions or want more information about our company, Interested applicants should Contact us via email: PergoCF@gmail.com
Do you need Financial Assistance?
Please, contact us for more information: PergoCF@gmail.com
Do you seek funds to pay off credits and debts?
Please, contact us for more information: PergoCF@qualityservice.com
We give out loan with an Interest rate of 1.00%
Please, contact us for more information: PergoCF@aol.com
Do you need Finance? Are you looking for Finance? Are you looking for a money to enlarge your business? We help individuals and companies to obtain loan for business expanding and to setup a new business ranging any amount. Get a loan at affordable interest rate of 1.0%, Do you need this cash/loan for business and to clear your bills? Interested applicants should Contact us via email: PergoCF@qualityservice.com
Are You In Need of Fund ?__________________Are You In Need of Fund ?
Are You In Need of Fund ?__________________Are You In Need of Fund ? Interested applicants should Contact us via email: (PergoCF@gmail.com) , (PergoCF@qualityservice.com) , (PergoCF@aol.com)
Business & Personal Loan Offer Affordable Installment loans.
Guaranteed fixed payments.
Interested applicants should Contact us via email: PergoCF@qualityservice.com
Guaranteed fixed interest rates of 1.00%.
Do you need Financial help? Need a personal loan for an unexpected expense?
Do you need a Business Setup Loan? Pergo CF Finances Firm is willing to provides personal loans to individuals And Companies Body with no or less than perfect credit.
Well Offer loan from 5,000.00 USD to 500 Million USD, So if Interested Contact us via: PergoCF@gmail.com
PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00%,
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@QUALITYSERVICE.COM
ARE YOU IN NEED OF LOAN, FUND?________________ARE YOU IN NEED OF LOAN, FUND?
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: (PERGOCF@GMAIL.COM) (PERGOCF@QUALITYSERVICE.COM) (PERGOCF@AOL.COM)
PLEASE CONTACT US FOR YOUR SECURE AND UNSECURED LOAN AT AN INTEREST RATE OF 1.00%
INTERESTED APPLICANTS SHOULD CONTACT US VIA EMAIL: PERGOCF@GMAIL.COM