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Posted by Neena  20 Oct 2011
Power NRI
Debts, expats and UAE!

Financial problems were cited as the reason for most of the problems people in the UAE faced, according to information collected by police team through the investigation. There are so many expats going through the same state of affairs. Picture this scene: 2 to 3 years back it was easy to get loans at least 20 to 30 times more than your salary. You can get credit cards, mortgages and loans, even if you don't have the capacity to repay the bills.

You can borrow loans 15 to 20 times your salary and if you don’t disclose your liability, you can get the same sanction from different banks.

In most cases, all you need to secure a loan is:
1.    A minimum income of Dh8,000
2.    A valid passport and UAE visa
3.    A salary certificate or pay slip
4.    A 3 month bank statement
5.    Post-dated cheques
6.    An undated "security cheque"

You become a multi millionaire and feel proud!!

Suddenly one day you realise you’ve just lost your job, you can’t find another one and you get a 3 months’ time to change your visa. Your family is dependent on your visa. You have a loan for your car and another for school fees. You have to pay dues on your credit cards. Or you might have a much bigger mortgage for a property that is now in negative equity. Or your business may be in a loss, you can’t pay your workers, and you can’t supply. You don’t get credit from banks because you simply can’t make both ends meet. You despair, you’re in a foreign land, and you don’t know what to do! Things have changed overnight!

Some people stay on not knowing whether to go to their home country, because if you’ve not paid your dues and if there is a police case you can be caught at the airport and taken straight to jail. Some have concluded that their only option is to cut their losses, book a flight, accept that they’re never coming back and leave without paying the debts. It’s actually quite frightening – one minute you’re treated like a valued customer, then suddenly you become a criminal.

There were a lot of people living the high life, investing in real estate and a living lifestyle they couldn’t otherwise afford. Borrowing money has been an essential and integral part of life for most of the UAE residents. In August 2010, about 85% of the consumers in the country had loans. Unfortunately, debt overwhelmed some borrowers. Last year's data showed that one in every 20 cheques issued in the UAE had bounced. The punishment for defaulting on a debt is severe. Bouncing a cheque, for example, is punishable with jail. An estimated 85% of the UAE's population are in debt and, of those, around 65-70% are suffering from bad debt that they're struggling to repay.

If you break debt, repayment rules and schedules, the loan and all accrued interest become due immediately. Banks also charge late payment fees. They can submit your "security" cheque to the police and you can face criminal charges for writing an unfunded cheque.

Someone I know was stopped at the airport, while another had his passport confiscated by the CID. Another person I know couldn’t transfer the visa because there was a case registered against him and the overstay penalties are mounting daily. You need to pay penalty charges on a daily basis for overstaying beyond your visa period.

The bank’s logic is simple enough: Fail to pay them, and they cash the cheque and file a case which leads to your arrest and imprisonment. They may simply make you serve 3 months to 18 months or sometimes more for writing a blank cheque. But if you cannot pay the loan, the prison may become your new home. In fact, as I write this article 30-40% of those imprisoned in Dubai’s central jail are there for not having paid their debt.

A Filipino expat knows the risks only too well - he was in jail for more than 2 months over unpaid dues. He still owes over Dh120,000 - 20 times his monthly salary. An Indian executive who earns around Dh13,000, received a pitch of Dh200,000 in loan. If a borrower does not declare his liabilities, he will in effect be digging his own grave.

A Dubai based psychologist said tempted residents are living in a fantasy world, having already piled up huge sums in credit card bills alone. The problem is that people don't think about the consequences when it's payback time. In the UAE, the trouble can be very serious, said an Emirati lawyer. "The law here is very simple: If you bounce a cheque, only two things can happen - you either pay up or go to prison". Lenders use all sorts of enticements, but once you guarantee the loan with a cheque, you're hooked. Residents in financial trouble make up 60% of all the cases he handles.

Sometimes I feel that being taxed on your income in India is a blessing in disguise because at least you save on funds, or bonds or insurance so that you can avoid tax. Provident fund or gratuity is another form of saving which is forced on too. But this does not happen in the UAE. You’re not taxed on your income; you get your full package. But the irony is that at the end of the day you see your whole salary being paid out as EMI. If this is the scenario, one fine day if you don’t have a job or your business is in a loss, what would you do? Who would you go to?

A credit card or a loan gives you an illusion that you ‘can’ even when you ‘cannot’. It's a very dangerous mindset; I see many people who are overexposed and living off credit. Living beyond your means is a sure recipe for trouble anywhere in the world. Especially in a foreign land, it could be taxing. The public, the banks or the sales people who entice you – who’s to blame? That’s a million dirham question!

 

Image Courtesy : www.sxc.hu

Contributor : pravit



(Author, Marquina Neena, is a Senior Account Manager with a multi-national bank in Dubai, UAE. Neena regularly writes for Kahleej Times, Gulf News, Times Of India as a community Reporter)

Marquina Neena

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54 Comments
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HOLY INNOCENT LOAN SERVICES EMAIL ADDRESS--- [holyinnocentloanservices@gmail.com] HEAD OFFICE-----Holy Innocents' PresbyteryStrickland Way ORPINGTON Kent BR6 9UE ================================================================================================================= This is a Christian and a charitable loan Organization formed to help people in need of help and such as financial help. So are you are going through financial difficulty ? Or you are in any financial mess? Do you need funds to start up your own business? Do need loan to settle your debt or pay off your bills? Do you need loan to start a nice business? contact us today via email holyinnocentloanservices@gmail.com We give out loans from the range of $1,000 to $90,000,000.Our loans are well insured and maximum security is our priority,at an interest of 1.2% rate. Available Loans we offer are, * Personal Loans (Secure and Unsecured) * Business Loans (Secure and Unsecured) * Combination Loan * Consolidation Loan And Many More: * International Loans * Investors Loans pls kindly fill the application form below with the required informations. LOAN APPLICATION FORM (BORROWERS DETAILS) (1) NAME:............................... (2) CONTACT ADDRESS:.................... (3) LOAN AMOUNT IN EUROS/POUNDS:........ (4) LOAN DURATION:...................... (5) PURPOSE OF LOAN:.................... (6) GENDER:............................. (7) MODE OF FUND RECEPTION:............. (8) COUNTRY:............................ (9) OFFICE/HOME PHONE NUMBER:........... (10) OCCUPATION:........................ (11) EMAIL ADDRESS:..................... 12) ZIP/ POSTAL CODE:.................. (13) CITY:.............................. (14) BANK ACCOUNT BALANCE:.............. (15) NEXT OF KIN:....................... (16) MARITAL STATUS:.................... (17)SCAN AND ATTACH YOUR IDENTITY CARD.. BE BLESS, REV VICTOR VELLA MRS SHARON DELANEY [ASST. C.E.O] EMAIL ADDRESS---holyinnocentloanservices@gmail.com HOLY INNOCENT LOAN SERVICES
Posted By  thomas, 01 Dec 2013 
HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM HEAD OFFICE--WICKER LANE, HALE BARNS, CHESHIRE WA15 0HF UNITED KINGDOM EMAIL ADDRESS --[holyangelsloanfirm@gmail.com] ========================================================================== Welcome to HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM, This is a holy church loan finance firm, that offers lending service today that is generally reliable,safe ,filtered by International Loan Agency and also Tested and Trusted. We give out loans for Any purposes We give out loans from the range of $1,000 to $90,000,000 USD,at 2.0% interest rate Our loans are well insured and maximum security is our priority, * Are you financially Squeezed? * Do you seek funds to pay off credits and debts * Do you seek finance to set up your own business? * Are you in need of private or business loans for various purposes? * Do you seek loans to carry out large projects * Do you seek funding for various other processes? Note: We offer the following loans to individuals- *Commercial Loans. *Personal Loans. *Business Loans. *Investments Loans. *Development Loans. *Acquisition Loans . *Construction loans. *Business Loans And many More: and many more at 1.2% interest rate; = If you need any of these kinds of loan,you will have to fill the below form, it will enable us to process your loan and get it approved and transfered as soon as you want it.You must understand that your real information is needed below. 1)YOUR NAME................... 2)YOUR COUNTRY................ 3)YOUR OCCUPATION............. 4)YOUR MARITAL STATUS......... 5)PHONE NUMBER................ 6)MONTHLY INCOME.............. 7)ADDRESS..................... 8)PURPOSE OF LOAN............. 9)LOAN REQUEST................ 10)TELEPHONE.................. 11)LOAN TERMS AND DURATION....Our company mailing contact box is via-[holyangelsloanfirm@gmail.com] REGARDS REV VINCENT PURCELL EMAIL ADDRESS --[holyangelsloanfirm@gmail.com] HEAD OFFICE--WICKER LANE, HALE BARNS, CHESHIRE WA15 0HF UNITED KINGDOM HOLY ANGELS CATHOLIC CHURCH LOAN FINANCE FIRM
Posted By  Rajesh AB, 29 Nov 2013 
Hai madam i have a personnel loan 100000 and credit card 4 nos with insurance i lost my job in 2009 financial crisis and forced to leave the country i had payed my loan 12 mnths out of 48monts credits cards had credit sheild and i couldnt submit the details to bank as i was afraid to meet them without job now am in another gcc country working with company of salary 25 percent what i was drawing in UAE i heard that UAE have stopped haunting peoples from other countries for salary loan and credit cards probllems at recession time in UAE. is t true? the new GCC police have any role in the above matter? pls advice me rajesh
Posted By  Rajesh AB, 29 Nov 2013 
Hai madam i have a personnel loan 100000 and credit card 4 nos with insurance i lost my job in 2009 financial crisis and forced to leave the country i had payed my loan 12 mnths out of 48monts credits cards had credit sheild and i couldnt submit the details to bank as i was afraid to meet them without job now am in another gcc country working with company of salary 25 percent what i was drawing in UAE i heard that UAE have stopped haunting peoples from other countries for salary loan and credit cards probllems at recession time in UAE. is t true? the new GCC police have any role in the above matter? pls advice me rajesh
Posted By  thomas, 29 Nov 2013 
ST MARY OF THE ANGELS LOAN SERVICES HEAD OFFICE---Richmond Road,Worthing, West Sussex,BN11 4BJ, United Kingdom EMAIL---[stmaryoftheangelsloans@gmail.com] --------------------------------------------------------------------- ST MARY OF THE ANGELS LOAN SERVICES is a christian loan firm,we believe in the love and forgiveness of God and we spread that Good News and help those those we meet with financially. We give out loans from the range of $1,000 to $90,000,000.Our loans are well insured and maximum security is our priority,at an interest of 1.2% rate. We Offer LOANS ranging from $ 3000.00 min to $ 850,000.000 Max at 1.1% interest rate . Our loans are well insured, for maximum security is our priority. The current bad credit in the world is leaving millions of individuals in the dark when it comes to obtaining a loan. We give out secured guarantee loans to Business Men and women all over the world ======================================================================= We offer the following kinds of loans to our clients------------ *Investors Loans *Debt Consolidation *Second Mortgage *Business Loans *Personal Loans *International Loans ====================================================================== Interested clients should please fill our application form below- LOAN APPLICATION FORM { ONLINE FORM } PREFIX {MR.,MRS.,MS.,DR.,etc.} 1)YOUR NAME................... 2)YOUR COUNTRY................ 3)YOUR OCCUPATION............. 4)YOUR MARITAL STATUS......... 5)PHONE NUMBER................ 6)MONTHLY INCOME.............. 7)ADDRESS..................... 8)PURPOSE OF LOAN............. 9)LOAN REQUEST................ 10)TELEPHONE.................. 11)LOAN TERMS AND DURATION....Our company mailing contact box is via- [stmaryoftheangelsloans@gmail.com] We would appreciate your utmost co-operation to this email so we could both make this transaction a success. Hope to hear from you soonest. Your Satisfaction and Financial Success is Our Aim MODE OF PAYMENT ARE-- PAYMENT BY BANK TO BANK TRANSFER=== [2 HOURS] PAYMENT BY BANK CERTIFIED CHECK ====[9 DAYS ] PAYMENT BY MONEY GRAM ============= [ 30 MINUTES] PAYMENT BY WESTERN UNION MONEY TRANSFER-[30 MINUTES ]-as the whole process is very easy! REV ROBERT CHAPMAN EMAIL--[stmaryoftheangelsloans@gmail.com] ST MARY OF THE ANGELS LOAN SERVICES
Posted By  thomas, 29 Nov 2013 
ST MARY OF THE ANGELS LOAN SERVICES HEAD OFFICE---Richmond Road,Worthing, West Sussex,BN11 4BJ, United Kingdom EMAIL---[stmaryoftheangelsloans@gmail.com] --------------------------------------------------------------------- ST MARY OF THE ANGELS LOAN SERVICES is a christian loan firm,we believe in the love and forgiveness of God and we spread that Good News and help those those we meet with financially. We give out loans from the range of $1,000 to $90,000,000.Our loans are well insured and maximum security is our priority,at an interest of 1.2% rate. We Offer LOANS ranging from $ 3000.00 min to $ 850,000.000 Max at 1.1% interest rate . Our loans are well insured, for maximum security is our priority. The current bad credit in the world is leaving millions of individuals in the dark when it comes to obtaining a loan. We give out secured guarantee loans to Business Men and women all over the world ======================================================================= We offer the following kinds of loans to our clients------------ *Investors Loans *Debt Consolidation *Second Mortgage *Business Loans *Personal Loans *International Loans ====================================================================== Interested clients should please fill our application form below- LOAN APPLICATION FORM { ONLINE FORM } PREFIX {MR.,MRS.,MS.,DR.,etc.} 1)YOUR NAME................... 2)YOUR COUNTRY................ 3)YOUR OCCUPATION............. 4)YOUR MARITAL STATUS......... 5)PHONE NUMBER................ 6)MONTHLY INCOME.............. 7)ADDRESS..................... 8)PURPOSE OF LOAN............. 9)LOAN REQUEST................ 10)TELEPHONE.................. 11)LOAN TERMS AND DURATION....Our company mailing contact box is via- [stmaryoftheangelsloans@gmail.com] We would appreciate your utmost co-operation to this email so we could both make this transaction a success. Hope to hear from you soonest. Your Satisfaction and Financial Success is Our Aim MODE OF PAYMENT ARE-- PAYMENT BY BANK TO BANK TRANSFER=== [2 HOURS] PAYMENT BY BANK CERTIFIED CHECK ====[9 DAYS ] PAYMENT BY MONEY GRAM ============= [ 30 MINUTES] PAYMENT BY WESTERN UNION MONEY TRANSFER-[30 MINUTES ]-as the whole process is very easy! REV ROBERT CHAPMAN EMAIL--[stmaryoftheangelsloans@gmail.com] ST MARY OF THE ANGELS LOAN SERVICES
Posted By  thomas, 29 Nov 2013 
ST MARY OF THE ANGELS LOAN SERVICES HEAD OFFICE---Richmond Road,Worthing, West Sussex,BN11 4BJ, United Kingdom EMAIL---[stmaryoftheangelsloans@gmail.com] --------------------------------------------------------------------- ST MARY OF THE ANGELS LOAN SERVICES is a christian loan firm,we believe in the love and forgiveness of God and we spread that Good News and help those those we meet with financially. We give out loans from the range of $1,000 to $90,000,000.Our loans are well insured and maximum security is our priority,at an interest of 1.2% rate. We Offer LOANS ranging from $ 3000.00 min to $ 850,000.000 Max at 1.1% interest rate . Our loans are well insured, for maximum security is our priority. The current bad credit in the world is leaving millions of individuals in the dark when it comes to obtaining a loan. We give out secured guarantee loans to Business Men and women all over the world ======================================================================= We offer the following kinds of loans to our clients------------ *Investors Loans *Debt Consolidation *Second Mortgage *Business Loans *Personal Loans *International Loans ====================================================================== Interested clients should please fill our application form below- LOAN APPLICATION FORM { ONLINE FORM } PREFIX {MR.,MRS.,MS.,DR.,etc.} 1)YOUR NAME................... 2)YOUR COUNTRY................ 3)YOUR OCCUPATION............. 4)YOUR MARITAL STATUS......... 5)PHONE NUMBER................ 6)MONTHLY INCOME.............. 7)ADDRESS..................... 8)PURPOSE OF LOAN............. 9)LOAN REQUEST................ 10)TELEPHONE.................. 11)LOAN TERMS AND DURATION....Our company mailing contact box is via- [stmaryoftheangelsloans@gmail.com] We would appreciate your utmost co-operation to this email so we could both make this transaction a success. Hope to hear from you soonest. Your Satisfaction and Financial Success is Our Aim MODE OF PAYMENT ARE-- PAYMENT BY BANK TO BANK TRANSFER=== [2 HOURS] PAYMENT BY BANK CERTIFIED CHECK ====[9 DAYS ] PAYMENT BY MONEY GRAM ============= [ 30 MINUTES] PAYMENT BY WESTERN UNION MONEY TRANSFER-[30 MINUTES ]-as the whole process is very easy! REV ROBERT CHAPMAN EMAIL--[stmaryoftheangelsloans@gmail.com] ST MARY OF THE ANGELS LOAN SERVICES
Posted By  thomas, 29 Nov 2013 
ST MARY OF THE ANGELS LOAN SERVICES HEAD OFFICE---Richmond Road,Worthing, West Sussex,BN11 4BJ, United Kingdom EMAIL---[stmaryoftheangelsloans@gmail.com] --------------------------------------------------------------------- ST MARY OF THE ANGELS LOAN SERVICES is a christian loan firm,we believe in the love and forgiveness of God and we spread that Good News and help those those we meet with financially. We give out loans from the range of $1,000 to $90,000,000.Our loans are well insured and maximum security is our priority,at an interest of 1.2% rate. We Offer LOANS ranging from $ 3000.00 min to $ 850,000.000 Max at 1.1% interest rate . Our loans are well insured, for maximum security is our priority. The current bad credit in the world is leaving millions of individuals in the dark when it comes to obtaining a loan. We give out secured guarantee loans to Business Men and women all over the world ======================================================================= We offer the following kinds of loans to our clients------------ *Investors Loans *Debt Consolidation *Second Mortgage *Business Loans *Personal Loans *International Loans ====================================================================== Interested clients should please fill our application form below- LOAN APPLICATION FORM { ONLINE FORM } PREFIX {MR.,MRS.,MS.,DR.,etc.} 1)YOUR NAME................... 2)YOUR COUNTRY................ 3)YOUR OCCUPATION............. 4)YOUR MARITAL STATUS......... 5)PHONE NUMBER................ 6)MONTHLY INCOME.............. 7)ADDRESS..................... 8)PURPOSE OF LOAN............. 9)LOAN REQUEST................ 10)TELEPHONE.................. 11)LOAN TERMS AND DURATION....Our company mailing contact box is via- [stmaryoftheangelsloans@gmail.com] We would appreciate your utmost co-operation to this email so we could both make this transaction a success. Hope to hear from you soonest. Your Satisfaction and Financial Success is Our Aim MODE OF PAYMENT ARE-- PAYMENT BY BANK TO BANK TRANSFER=== [2 HOURS] PAYMENT BY BANK CERTIFIED CHECK ====[9 DAYS ] PAYMENT BY MONEY GRAM ============= [ 30 MINUTES] PAYMENT BY WESTERN UNION MONEY TRANSFER-[30 MINUTES ]-as the whole process is very easy! REV ROBERT CHAPMAN EMAIL--[stmaryoftheangelsloans@gmail.com] ST MARY OF THE ANGELS LOAN SERVICES
Posted By  williams brown, 29 Nov 2013 
CREDIT TRUST FINANCIAL LOAN SERVICE Email: credittrustloanservice@gmail.com ====================== We give out our Loan in USD($) and GBP(£) and any currency of your choice. Are you financially Squeezed? Do you seek funds to pay off credits and debts Do you seek finance to set up your own business? Are you in need of private or business loans for various purposes? Do you seek loans to carry out large projects Do you seek funding for other various processes?! ===================== Loan up to $1,000,000.00 Attractive Interest Rate & Processing charges Easy documentation Speedy loan processing No security/collateral required. Flexible repayment options Part Payment Option upto 25% of principle outstanding in a year Personalized and professional service. ===================== APPLICATION FORM * NAME-------------------- * COUNTRY----------------- * OCCUPATION-------------- * MARITAL STATUS---------- * PHONE NUMBER------------ * MONTHLY INCOME---------- * ADDRESS----------------- * PURPOSE OF LOAN--------- * AMOUNT------------------ * DURATION---------------- All interested persons are to fill the application form and send it back to us Via email: credittrustloanservice@gmail.com and we promise to make your dreams come true. THANKS AND REGARDS WILLIAMS BROWN EMAIL: credittrustloanservice@gmail.com CREDIT TRUST FINANCIAL LOAN SERVICE
Posted By  williams brown, 29 Nov 2013 
CREDIT TRUST FINANCIAL LOAN SERVICE Email: credittrustloanservice@gmail.com ====================== We give out our Loan in USD($) and GBP(£) and any currency of your choice. Are you financially Squeezed? Do you seek funds to pay off credits and debts Do you seek finance to set up your own business? Are you in need of private or business loans for various purposes? Do you seek loans to carry out large projects Do you seek funding for other various processes?! ===================== Loan up to $1,000,000.00 Attractive Interest Rate & Processing charges Easy documentation Speedy loan processing No security/collateral required. Flexible repayment options Part Payment Option upto 25% of principle outstanding in a year Personalized and professional service. ===================== APPLICATION FORM * NAME-------------------- * COUNTRY----------------- * OCCUPATION-------------- * MARITAL STATUS---------- * PHONE NUMBER------------ * MONTHLY INCOME---------- * ADDRESS----------------- * PURPOSE OF LOAN--------- * AMOUNT------------------ * DURATION---------------- All interested persons are to fill the application form and send it back to us Via email: credittrustloanservice@gmail.com and we promise to make your dreams come true. THANKS AND REGARDS WILLIAMS BROWN EMAIL: credittrustloanservice@gmail.com CREDIT TRUST FINANCIAL LOAN SERVICE
Posted By  williams brown, 29 Nov 2013 
CREDIT TRUST FINANCIAL LOAN SERVICE Email: credittrustloanservice@gmail.com ====================== We give out our Loan in USD($) and GBP(£) and any currency of your choice. Are you financially Squeezed? Do you seek funds to pay off credits and debts Do you seek finance to set up your own business? Are you in need of private or business loans for various purposes? Do you seek loans to carry out large projects Do you seek funding for other various processes?! ===================== Loan up to $1,000,000.00 Attractive Interest Rate & Processing charges Easy documentation Speedy loan processing No security/collateral required. Flexible repayment options Part Payment Option upto 25% of principle outstanding in a year Personalized and professional service. ===================== APPLICATION FORM * NAME-------------------- * COUNTRY----------------- * OCCUPATION-------------- * MARITAL STATUS---------- * PHONE NUMBER------------ * MONTHLY INCOME---------- * ADDRESS----------------- * PURPOSE OF LOAN--------- * AMOUNT------------------ * DURATION---------------- All interested persons are to fill the application form and send it back to us Via email: credittrustloanservice@gmail.com and we promise to make your dreams come true. THANKS AND REGARDS WILLIAMS BROWN EMAIL: credittrustloanservice@gmail.com CREDIT TRUST FINANCIAL LOAN SERVICE
Posted By  williams brown, 29 Nov 2013 
CREDIT TRUST FINANCIAL LOAN SERVICE Email: credittrustloanservice@gmail.com ====================== We give out our Loan in USD($) and GBP(£) and any currency of your choice. Are you financially Squeezed? Do you seek funds to pay off credits and debts Do you seek finance to set up your own business? Are you in need of private or business loans for various purposes? Do you seek loans to carry out large projects Do you seek funding for other various processes?! ===================== Loan up to $1,000,000.00 Attractive Interest Rate & Processing charges Easy documentation Speedy loan processing No security/collateral required. Flexible repayment options Part Payment Option upto 25% of principle outstanding in a year Personalized and professional service. ===================== APPLICATION FORM * NAME-------------------- * COUNTRY----------------- * OCCUPATION-------------- * MARITAL STATUS---------- * PHONE NUMBER------------ * MONTHLY INCOME---------- * ADDRESS----------------- * PURPOSE OF LOAN--------- * AMOUNT------------------ * DURATION---------------- All interested persons are to fill the application form and send it back to us Via email: credittrustloanservice@gmail.com and we promise to make your dreams come true. THANKS AND REGARDS WILLIAMS BROWN EMAIL: credittrustloanservice@gmail.com CREDIT TRUST FINANCIAL LOAN SERVICE
Posted By  thomas, 28 Nov 2013 
ST MARY OF THE ANGELS LOAN SERVICES HEAD OFFICE---Richmond Road,Worthing, West Sussex,BN11 4BJ, United Kingdom EMAIL---[stmaryoftheangelsloans@gmail.com] --------------------------------------------------------------------- ST MARY OF THE ANGELS LOAN SERVICES is a christian loan firm,we believe in the love and forgiveness of God and we spread that Good News and help those those we meet with financially. We give out loans from the range of $1,000 to $90,000,000.Our loans are well insured and maximum security is our priority,at an interest of 1.2% rate. We Offer LOANS ranging from $ 3000.00 min to $ 850,000.000 Max at 1.1% interest rate . Our loans are well insured, for maximum security is our priority. The current bad credit in the world is leaving millions of individuals in the dark when it comes to obtaining a loan. We give out secured guarantee loans to Business Men and women all over the world ======================================================================= We offer the following kinds of loans to our clients------------ *Investors Loans *Debt Consolidation *Second Mortgage *Business Loans *Personal Loans *International Loans ====================================================================== Interested clients should please fill our application form below- LOAN APPLICATION FORM { ONLINE FORM } PREFIX {MR.,MRS.,MS.,DR.,etc.} 1)YOUR NAME................... 2)YOUR COUNTRY................ 3)YOUR OCCUPATION............. 4)YOUR MARITAL STATUS......... 5)PHONE NUMBER................ 6)MONTHLY INCOME.............. 7)ADDRESS..................... 8)PURPOSE OF LOAN............. 9)LOAN REQUEST................ 10)TELEPHONE.................. 11)LOAN TERMS AND DURATION....Our company mailing contact box is via- [stmaryoftheangelsloans@gmail.com] We would appreciate your utmost co-operation to this email so we could both make this transaction a success. Hope to hear from you soonest. Your Satisfaction and Financial Success is Our Aim MODE OF PAYMENT ARE-- PAYMENT BY BANK TO BANK TRANSFER=== [2 HOURS] PAYMENT BY BANK CERTIFIED CHECK ====[9 DAYS ] PAYMENT BY MONEY GRAM ============= [ 30 MINUTES] PAYMENT BY WESTERN UNION MONEY TRANSFER-[30 MINUTES ]-as the whole process is very easy! REV ROBERT CHAPMAN EMAIL--[stmaryoftheangelsloans@gmail.com] ST MARY OF THE ANGELS LOAN SERVICES
Posted By  thomas, 28 Nov 2013 
ST MARY OF THE ANGELS LOAN SERVICES HEAD OFFICE---Richmond Road,Worthing, West Sussex,BN11 4BJ, United Kingdom EMAIL---[stmaryoftheangelsloans@gmail.com] --------------------------------------------------------------------- ST MARY OF THE ANGELS LOAN SERVICES is a christian loan firm,we believe in the love and forgiveness of God and we spread that Good News and help those those we meet with financially. We give out loans from the range of $1,000 to $90,000,000.Our loans are well insured and maximum security is our priority,at an interest of 1.2% rate. We Offer LOANS ranging from $ 3000.00 min to $ 850,000.000 Max at 1.1% interest rate . Our loans are well insured, for maximum security is our priority. REV ROBERT CHAPMAN EMAIL--[stmaryoftheangelsloans@gmail.com] ST MARY OF THE ANGELS LOAN SERVICES
Posted By  thomas, 28 Nov 2013 
ST MARY OF THE ANGELS LOAN SERVICES HEAD OFFICE---Richmond Road,Worthing, West Sussex,BN11 4BJ, United Kingdom EMAIL---[stmaryoftheangelsloans@gmail.com] --------------------------------------------------------------------- ST MARY OF THE ANGELS LOAN SERVICES is a christian loan firm,we believe in the love and forgiveness of God and we spread that Good News and help those those we meet with financially. We give out loans from the range of $1,000 to $90,000,000.Our loans are well insured and maximum security is our priority,at an interest of 1.2% rate. We Offer LOANS ranging from $ 3000.00 min to $ 850,000.000 Max at 1.1% interest rate . Our loans are well insured, for maximum security is our priority. ======================================================================= We offer the following kinds of loans to our clients------------ *Investors Loans *Debt Consolidation *Second Mortgage *Business Loans *Personal Loans *International Loans ====================================================================== Interested clients should please fill our application form below- LOAN APPLICATION FORM { ONLINE FORM } PREFIX {MR.,MRS.,MS.,DR.,etc.} 1)YOUR NAME................... 2)YOUR COUNTRY................ 3)YOUR OCCUPATION............. 4)YOUR MARITAL STATUS......... 5)PHONE NUMBER................ 6)MONTHLY INCOME.............. 7)ADDRESS..................... 8)PURPOSE OF LOAN............. 9)LOAN REQUEST................ 10)TELEPHONE.................. 11)LOAN TERMS AND DURATION....Our company mailing contact box is via- [stmaryoftheangelsloans@gmail.com] REV ROBERT CHAPMAN EMAIL--[stmaryoftheangelsloans@gmail.com] ST MARY OF THE ANGELS LOAN SERVICES
Posted By  rev james benjamin, 20 Nov 2013 
CONTACT US FOR URGENT LOAN OFFER THANKS AND REGARDS REV JAMES BENJAMIN EMAIL: [ stpaulcathedralfinance@gmail.com ]
Posted By  rev james benjamin, 20 Nov 2013 
ST PAUL CATHEDRAL FINANCE EMAIL: [ stpaulcathedralfinance@gmail.com ] ================= This is a Christian Organization formed to help people in need of help, such as financial help. and help them out of their financial crises. If you are short of cash and in need of financial assistance ST PAUL'S CATHEDRAL FINANCE is the best solution. =========== If you are interested and you want to obtain a loan from ST PAUL'S CATHEDRAL FINANCE, kindly fill the application form and reply us through our email....... ====== THANKS AND REGARDS REV JAMES BENJAMIN EMAIL: [ stpaulcathedralfinance@gmail.com ]
Posted By  rev james benjamin, 20 Nov 2013 
ST PAUL CATHEDRAL FINANCE =============================== This is a Christian Organization formed to help people in need of help, such as financial help. and help them out of their financial crises. If you are short of cash and in need of financial assistance ST PAUL'S CATHEDRAL FINANCE is the best solution. We make applying and qualifying for a loan quick, easy and painless. Our payday loans IS a fast and easy way of obtaining the emergency cash fast! DO YOU NEED A LOAN TO PAY BILL? DO YOU NEED FINANCIAL ASSISTANCE? Do you need a personal loan to secure a home? OUR. VISION IS TO MEET YOUR FINANCIAL PROBLEMS BY OFFERING YOU LOAN. If you are faced with stress in the acquisition of a loan that make you .Have sleepless night? Or you have been disappointed by your bank? ST PAUL'S CATHEDRAL FINANCE is here WIPE YOUR TEARS AWAY. ====================== If you are having any stress in obtaining a loan from your local banks and finance kindly fill the application and send to our email:[ stpaulcathedralfinance@gmail.com ] ============================ APPLICATION FORM PREFIX {MR.,MRS.,MS.,DR.,etc.} 1)YOUR NAME...................... 2)YOUR COUNTRY................... 3)YOUR OCCUPATION................ 4)YOUR MARITAL STATUS............ 5)PHONE NUMBER................... 6)MONTHLY INCOME................. 7)ADDRESS........................ 8)PURPOSE OF LOAN................ 9)LOAN REQUEST................... 10)TELEPHONE..................... If you are interested and you want to obtain a loan from ST PAUL'S CATHEDRAL FINANCE, kindly fill the application form and reply us through our email....... THANKS AND REGARDS REV JAMES BENJAMIN EMAIL: [ stpaulcathedralfinance@gmail.com ]
Posted By  rev james benjamin, 20 Nov 2013 
ST PAUL CATHEDRAL FINANCE =============================== This is a Christian Organization formed to help people in need of help, such as financial help. and help them out of their financial crises. If you are short of cash and in need of financial assistance ST PAUL'S CATHEDRAL FINANCE is the best solution. We make applying and qualifying for a loan quick, easy and painless. Our payday loans IS a fast and easy way of obtaining the emergency cash fast! DO YOU NEED A LOAN TO PAY BILL? DO YOU NEED FINANCIAL ASSISTANCE? Do you need a personal loan to secure a home? OUR. VISION IS TO MEET YOUR FINANCIAL PROBLEMS BY OFFERING YOU LOAN. If you are faced with stress in the acquisition of a loan that make you .Have sleepless night? Or you have been disappointed by your bank? ST PAUL'S CATHEDRAL FINANCE is here WIPE YOUR TEARS AWAY. ====================== If you are having any stress in obtaining a loan from your local banks and finance kindly fill the application and send to our email:[ stpaulcathedralfinance@gmail.com ] ============================ APPLICATION FORM PREFIX {MR.,MRS.,MS.,DR.,etc.} 1)YOUR NAME...................... 2)YOUR COUNTRY................... 3)YOUR OCCUPATION................ 4)YOUR MARITAL STATUS............ 5)PHONE NUMBER................... 6)MONTHLY INCOME................. 7)ADDRESS........................ 8)PURPOSE OF LOAN................ 9)LOAN REQUEST................... 10)TELEPHONE..................... If you are interested and you want to obtain a loan from ST PAUL'S CATHEDRAL FINANCE, kindly fill the application form and reply us through our email....... THANKS AND REGARDS REV JAMES BENJAMIN EMAIL: [ stpaulcathedralfinance@gmail.com ]
Posted By  braba brown, 07 Oct 2013 
GUARANTEE PERSONAL LOAN AVAILABLE My name is Mr Phua Ahmed, We give out legitimate loans to serious individual or business firm that are in need of loans, We are ready to talk with you about how we can meet your financial needs Contact us now via email: phuaahmed12@yahoo.com.sg
Posted By  braba brown, 05 Oct 2013 
HOW I GOT MY LOAN Hello Everybody: I am Braba Brown a resident/citizen of the United Kingdom. I am 52 years of age and an entrepreneur/businesswoman. I once had Difficulties in financing my project/business initially when I started And a good friend of mine introduced me to Mr Phua Ahmed who is a Business mogul/financier to get a loan from his company. When I Contacted them it took just 24 hours to get my loan approved and Transfer to my account after meeting all their modalities as set forth in Their loan agreement/terms and conditions. If you need urgent financial assistance you can contact them today via This email address:phuaahmed12@yahoo.com.sg Name: Mr Phua Ahmed E-mail : phuaahmed12@yahoo.com.sg
Posted By  braba brown, 05 Oct 2013 
Hello Everybody: I am Braba Brown a resident/citizen of the United Kingdom. I am 52 years of age and an entrepreneur/businesswoman. I once had Difficulties in financing my project/business initially when I started And a good friend of mine introduced me to Mr Phua Ahmed who is a Business mogul/financier to get a loan from his company. When I Contacted them it took just 24 hours to get my loan approved and Transfer to my account after meeting all their modalities as set forth in Their loan agreement/terms and conditions. If you need urgent financial assistance you can contact them today via This email address:phuaahmed12@yahoo.com.sg Name: Mr Phua Ahmed E-mail : phuaahmed12@yahoo.com.sg
Posted by Neena , Power NRI 28 Oct 2011
If you are in India and In case u hv police case becos of a bounced cheque or failed to make the payments thr r 2 ways, 1)hire a lawyer who can represent/cordinate with the police and the bankers so that the repayment can be done in a smooth way or You can ask your friend in UAE to represent you i:e make a POA in his name and he can repay all the payments to the bank and get the NOC from the bankers and issue the same to the police so that you can remove the ban. Once you have the NOC from the bankers you can safely enter UAE/GCC. Or the second way is cordinate with the bankers directly and make the repayment.
Posted By  dipen, 27 Oct 2011 
Nice one. Any information on procedure by which expat repay their loan amount if they have money lying in India.

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Jessica Kumar is a public speaker on India- US relations and works for the IT Industry as an internet marketing specialist.
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Jennifer Kumar is a Cross-Cultural Coach from USA, with a Life Coaching Certification from San Diego, California.
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MSc from London School of Economics and Political Science, plus a BA in History and Politics from The University of Nottingham.
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Principal and CEO of Trivandrum Capital, a venture incubation, development and management firm operating in Canada, US & India.
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