Search Magnifying Glass

2019 Loan Charge – How to avoid it

Tax, contractors and the loan charge – what you need to know and do.

Contractors who have been using schemes or arrangements, often known as contractor loan schemes, to minimise the tax they pay need to take action to avoid the new ‘loan charge’.

These schemes make payments in the form of a loan or credit from a trust or company.  You don’t get your pay directly from the company you work to. Instead it’s usually diverted through a complex chain of companies, trusts or partnerships.

Those promoting and operating these arrangements claim this will save you tax.  They will tell you the payment doesn’t count as income because it’s a loan or credit and is not taxable.

In reality, the loan is never paid back, so it’s no different to normal income and is taxable.

Anyone using arrangements which pay you in loans is avoiding tax, even if you have been told by the promoter or your employer that this was not the case.

Loan Charge

HM Revenue and Customs (HMRC) has always said these payments are taxable. One of the ways the government is tackling these schemes is the new ‘loan charge’ which means people who have used such schemes will have to pay tax on the total amount of all loans taken since 6 April 1999 that are still outstanding at 5 April 2019.

If you have used an arrangement like this and you have an outstanding loan you can take action now to prevent being caught by the loan charge.  You need to either settle your tax affairs, or repay your loans in full before 5 April 2019. Acting now means you are likely to pay less than if you wait for the loan charge to bite.

This is because the loan charge works by adding together all of these outstanding loans and other similar credits and taxing them as income in one year.  The result is you are likely to pay tax at higher rates than you would have at the time you were paid in loans.

If you settle your tax affairs before the loan charge arises you will pay tax at the rates for the years you received your loans. Settling does not mean all the tax has to be paid in full before 5 April 2019 and anyone concerned can read the full details on how to settle online.

If you are worried about being able to pay the full amount in one go please contact HMRC.

If you settle before the loan charge you will be able to pay the settlement amount over a period of up to 5 years without having to provide detailed supporting information provided that:

  • your expected current year taxable income is less than £50,000 (for employees, this is your expected gross earnings, for self-employed people, this is your expected net profit)
  • you’re no longer engaged in tax avoidance

If you need longer, or earn more than £50,000 we may still be able to agree a payment plan with you. We want to help everyone pay what they owe and help you put things right. We consider all personal circumstances to agree a manageable and sustainable payment plan wherever possible.

If you have used one of these schemes, or are unsure and want some further advice, then get in touch with HMRC as soon as possible. We can explain how you are affected and help you work out how much you owe. We have dedicated teams who can help you in a clear and straightforward way. Further details can be found on GOV.UK.

Arrangements that claim to avoid the loan charge

HMRC is aware that some firms and individuals are promoting arrangements that claim to enable people to escape the loan charge. These arrangements do not work and people are strongly advised not to sign up to them. Please tell us if you have been approached so we can stop them being sold to others. Avoidance does not pay.

While those promoting these arrangements claim these work, people should be clear we do not agree. Any arrangements to avoid the loan charge, which seek to deceive HMRC as to what is really happening, may be fraudulent.

We are pursuing hard those who are promoting tax avoidance arrangements and those that help them and we have a number of sanctions and penalties we can apply to both promoters and enablers of tax avoidance arrangements.

By HMRC

Comments

Add a comment

38 thoughts on “2019 Loan Charge – How to avoid it”

  1. Concerned Citizen

    Absolutely ridiculous! HMRC knew full well what was happening and did nothing for years and now to be applied retrospectively (YES…no matter how you dress it up and say its not….IT IS still retrospective taxation!)

    Law can change and people needs to respect that…something against the law should not be done….but the Loan Charge target previous years and this is unfair and utterly wrong….and shame on you HMRC….shame on you Conservative Government!

  2. Joe

    Am I mistaken? Tax avoidance is Ok isn’t it? tax evasion is illegal. (Or is it the other way round?)

    Has HMRC really stated
    “…We are pursuing hard those who are promoting tax avoidance arrangements …”

    Why?

    If arrangements are put in place that prevent tax being collected in the manner anticipated by legislation then……refine the legislation.

    Agree with ‘Concerned Citizen’ – you can’t go around collecting taxes retrospectively when no ‘evasion’ has taken place. If HMRC are only now explicitly making these loan arrangements taxable then….it can only apply going forward.

    Everyone should pay the right amount of tax – the right amount can only be determined if income is paid to citizens making use of all allowances and legal vehicles and facilities to minimize the tax required on that income. Otherwise, too much tax has been paid which is equally incorrect as too little.

  3. Fiona

    When you say “HMRC has always said these payments are taxable”, why have you waited 20 years to collect and why didn’t you shut down the promotors when these tax avoidance (not tax evasion) schemes were disclosed to you over the last 20 years? This would have been the kind and sensible thing to do wouldn’t it? Rather than let people think everything was ok for 20 years and then making a post on your website months before it is all due?
    Between this and Brexit the Tory government (which I have always supported till now) are going to kill any foreign investment into this country. I mean would you invest in a country that belatedly created laws to collect taxes in one foul swoop that they couldn’t be bothered to collect over the last 20 years?

  4. The Q

    This should be dealt with exactly the same way as IR35 is.
    The SA form should now have a question as follows :

    1. Have you been a recipient of a loan from a Ltd
    company (in your capacity as director, or other) ??

    2. If yes, please supply the following information (for
    each applicable company) :

    a) Company name
    b) Amount taken as loan
    c) Date loan taken
    d) Repayment interest rate
    e) Total amount repaid

    A simple way for basic data analytics to compile a list
    of those the IR jobsworth Nazis should be taking a closer
    look at, and those who should be left be.

    Retrospective taxation : tough.
    Consider the revenues lost to the state.

    They had long enough to discern and deal with it.
    After all they have spent 18 years on the low revenue
    yielding “class warfare” that is IR35.

  5. Chris

    The government had to implement new legislation in 2011 before these schemes were considered taxable, despite having been around for years with HMRC failing to raise issues and purely monitoring them as DOTAS schemes.

    The Loan Charge is retrospective legislation reaching back 20+ years in an attempt at a tax grab to overcome decades of failures in Government and HMRC. It will devastate families and careers across IT / Health / Entertainment and severely damage entrepeneurs in those industries who followed the law as it was set down at the time.

    Whilst this may provide a short-term tax boost (albeit considerably reduced by the considerable inefficiencies and costs of the HMRC) , it will inevitably back-fire as HMRC / Government corrupt the law and cause reduced tax revenues going forward. Who wants to up their productivity knowing they can be s***wed over 20 years later for following the law.

  6. Xella

    Is it just me, or the whole situation walks and quacks like some huge state endorsed scam of its own citizens? See for yourselves:

    1. HMRC does nothing for ~20 years

    2. During this period, the whole lucrative “scheme” industry gets created, grows, matures, gains reputation. Thousands of family bread-winners lured.

    3. HMRC uses its legislative powers to retrospectively demand tax from scheme users, with interest. Possible damaging effects on scheme users (bankruptcies, suicides, family breakages) simply brushed aside.

    4. The sanctions against scheme organizers are introduced, but they are not retrospective. “Old” scheme organizers keep enjoying spoils.

    5. I am yet to hear of any investigation as to why it took HMRC 20 years to get its act together. So nobody to blame on that side either.

    It is the scheme users now to pick up all the bills, with apparently nobody else to blame. Does it not raise any questions?

  7. Ying Tong

    repay
    riːˈpeɪ,rɪˈpeɪ/Submit
    verb
    past tense: repaid; past participle: repaid
    pay back (a loan).
    “the loans were to be repaid over a 20-year period”
    synonyms: reimburse, refund, pay back, recompense, compensate, remunerate, square accounts with, settle up with, indemnify, pay off; More
    pay back money borrowed from (someone).
    “most of his fortune had been spent repaying creditors”
    do or give something as recompense for (a favour or kindness received).
    “the manager has given me another chance and I’m desperate to repay that faith”
    synonyms: reciprocate, return, requite, recompense, reward; More
    BRITISH
    be worth devoting time to (a specified action).
    “these sites would repay more detailed investigation”
    synonyms: be well worth; More

  8. Concerned

    People are avoiding tax today (and have done so for many years) by paying some of their income into a pension. That income is not taxable. Its legal, acceptable tax avoidance. What if the government decided next year to retrospectively change the law to make this illegal and demand back taxes? Anybody remember MIRAS schemes where mortgage interest was exempt from tax? Maybe HMRC will come after that next. Got a pension? Had a Mortgage once? Be afraid, be very afraid!

  9. Ma

    The reason HMRC haven’t chased these till now is that they don’t have any law which actually makes them illegal or owing tax!
    All the case law on EBTs (Sempra,Dextra etc) said that loans were not taxable and the Rangers ‘win’ said that the tax is owed by the employer, not the employee.
    There is NO law (and there still won’t be even after the loan charge) that makes any tax due on any of these loans by an employee other than this bogus Loan charge. Other than this charge brought in by deceit to Brexit distracted MPs, HMRC have no justification for charging tax on any of these.
    Its even worse if you were self employed/limited company (and not employed) as there was no law before 2017/2018 that even had any bearing on the EBT equivalent there. (Although you have to look at IR35 for a total mess of employed/self employed there and who is to blame for that one?…)

    So for all the people happy to say immoral they deserve it etc, how can you say this charge is valid when there is no LAW before or after it that makes any tax due on these loans? Its not bending the law – THERE IS NO LAW! How can people be penalised for sticking to the law?… Its nothing more than the politics of envy.
    MPs really have to take a long hard look at HMRCs fitness for purpose with this as they have gone too far.

  10. Dan

    Oh for goodness sake, you were in a scheme that was clearly dodgy (and please don’t give us all that rhetoric about how you were all duped by some clever salesman) and now you have to pay up. Retrospective ? Tough ! You got away with it but not anymore.

    I’m sure you were all happy to use publicly funded services (schools, hospitals), all the while chuckling to yourselves about how little tax you were paying.

    I for one applaud the government for taking action. Next step the big multi-nationals !

    • Antidan

      Very happy to use publicly funded services because I was still funding them – income tax isn’t the only tax.

      Change the law; simplify tax and people wouldn’t be encouraged to use such schemes which, by the way are the tip of the iceberg of tax avoidance.

      Government needs to end the ability to avoid. Why should anyone pay more? I agree, but we’re part of a stupid system, a system that pays people to loaf around doing nothing whilst getting paid by the state. A system that enables people to buy cars and fuel them at a beneficial tax rate. A system that allows people to save 100s of thousands by shifting ownership to a spouse upon death. A system that allows people to buy a house and avoid stamp duty. Why should I pay full price and my neighbour get the same product many times cheaper?

      It isn’t fair, but you can’t worry about what the others are saving (avoiding) – you have to use the system to save (avoid) paying too much yourself.

    • SL

      Dan, you do not seem to understand the potential implications of HMRC’s actions on this; HMRC as judge and jury are able to set the rules for taxation as they see fit (I don’t agree with the extent of their powers but that’s a different conversation).
      If HMRC change the rules then so be it, we have to adopt these new rules. What they cannot be allowed to do is change the rules and then apply the new rules retrospectively and demand those impacted by new rules must pay tax that they would have paid had the new rules been in place 20 years ago.
      HMRC’s decision not to introduce taxation rules at an appropriate time in history does not give them authority to introduce new taxation rules and arbitrarily choose a date in history for when these rules will apply.
      If this approach is supported, where does it end…HRMC will undoubtedly see this as a green light to introduce further changes to taxation rules as they see fit, select a date in history from which they want to apply the rules, write to everyone now caught up in these new rules and demand tax that was never due.
      For clarity, I was not involved in any of these schemes so am being entirely objective in my comments here.

      • Phill

        I totally agree, I called HMRC and told them about the company I was going to be working through, to which HMRC replied that this was fine. Now I am told I will potentially be looking at a life changing charge, if HMRC decided that base rate tax should be 25% and date it back 20 years I am sure there would be an outcry, so how is this loan charge any different, it should be made clear that the law is changing but from 2019 end of….

  11. ricky

    The truth is its all horseshit.

    Simply do not register like I have not and just laugh in its face! I don’t have the money to pay it back so if they came to me, i’d just simply tell them to fuck right off. I don’t have the cash, don’t own any property. Couldn’t care less!

  12. john yare

    I have just received a letter today 26th November from the HMRC that they believe i was involved with one of these schemes, i was unaware of this and that i should have registered by 30th of November difficult when you don’t know, i am at a loss where to go next.

  13. ganymede

    There are methods under PAYE for low earners that better any Loan Scheme or Share Dividend. Proving there is only Tax Avoidance for very high earners that have exhausted their tax allowances.

    Blanket claims of Tax Avoidance are denying rights to the various tax allowances available. The methods of assessment used by HMRC are likely to also be denying those rights.

  14. james thomas

    hey very nice article thanks for sharing with us as a bank employee i have seen most of the people are facing the may problems to get a loan this info will really helps them a lot to get loan faster and easier and the way you are explaining is good and very clear keeps going

  15. smith

    I AM not enough to describe how grateful and happy i am right now, All i can say is a big thank you to FIVE STAR CASH LOANS company and the whole team of FIVE STAR CASH LOANs COMPANY for making it possible for me to smile again after so much disappointments and rejections from my bank and other financial homes who i thought would have been of help to me when i applied with them. Thank you Jose Lee, truly you have made me understand that your company is indeed different from every other financial homes. I have no other way to show my appreciations but to draw each and everyone’s attention to my experience with FIVE STAR CASH LOANs COMPANY. For more info on how to qualify for a loan, all request should be forwarded to this company : Email fivestarloan99@gmail.com or WhatsApp +27736869331

    Greetings..

    Please contact us for your secure and unsecured Loan at an
    Interest rate of 3%

  16. smith

    Do you need a quick long or short term loan with a relatively low interest rate as low as 3%? We offer company loans, personal loans, loans, car loans, student loans, debt consolidation loans e.t.c. No matter your credit score. We are guaranteed to provide financial services to our many customers all over the world. With our flexible loan packages, loans can be processed in a very short time and handed over to the borrower. Please contact our specialist for advice and financial planning. If you need a quick credit please contact us by email: fivestarloan99@gmail.com or WhatsApp +27736869331

  17. smith

    Are you a business man or woman? Do you need funds to start up your own business? Do you need loan to settle your debt or pay off your bills or start a nice business? Do you need funds to finance your project? We Offers guaranteed loan services of any amount and to any part of the world for (Individuals, Companies, Realtor and Corporate Bodies) at our superb interest rate of 3%. For application and more information send replies to the following E-mail address: fivestarloan99@gmail.com or WhatsApp +27736869331 Thanks and look forward to your prompt reply.
    Regards,

  18. smith

    Regards,

    WE OFFERS FINANCIAL ASSISTANCE AT 3% INTEREST RATE,Do you need funds? If yes, please contact us today one of the best lending companies in South Africa (RSA) Botswana,Namibia,Zambia,Swaziland,Lesotho,South Africa, we are legitimate and accredited by the order of the government of South Africa to make funds available around the world. Contact us today via Email: fivestarloan99@gmail.com or WhatsApp +27736869331 .

  19. smith

    Good Day,

    Do you need an urgent loan to finance your business or personal purpose? we are a certified and legitimate international licensed loan lender We offer loans to Business firms, companies and individuals at an affordable interest rate of 3%. It might be a short or long term loan or even if you have poor credit, We shall process your loan as soon as we receive your application. we are an independent financial institution. We have built up an excellent reputation over the years in providing various types of loans to thousands of our customers.

    We Offer guaranteed loan services of any amount to citizens and non-citizens we offer easy personal loans, commercial business loan, car loan, leasing/equipment finance, debt consolidation loan, home loan, for all citizens and non-citizens with either a good or bad credit history. If you are interested in our loan offer, do not hesitate to get back at us so that we can proceed.

    Contact Email:- fivestarloan99@gmail.com or whatsapp +27736869331 thank you.

  20. willams

    What are your Financial needs?
    Do you need a huge capital to start off your business proposal or expansion or exmass loan? Have you lost hope and you think there is no way out, and your financial burdens still persists?
    Are you tired of seeking loans and Mortgages,have you been turned down constantly By your banks and other financial institutions,We offer any form of loan to individuals and corporate bodies at low interest rate.If you are interested in taking a loan,feel free to contact us today,we promise to offer you the best services ever.Just give us a try.
    Do you need a business loan?
    Do you need a personal loan?
    Do you want to refinance?
    Do you need a mortgage loan?
    Do yo want to pay up your debt?
    REPLIES SHOULD BE SENT TO THE EMAIL ADDRESS BELOW (fastloansolutioninfo@yahoo.com OR fastloansoultioninfo@gmail.com) call OR Whatsapp us on +27749582344

  21. Mr. Richard Houston

    Attention dear beneficiary!

    Compliments of the season to you and your loved ones, I am Mr. Richard Houston, 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?. Apply Now for your very low interest rate of 2% loan!

    It a world of happiness with us bring back those joy of yours by applying for a loan with us today.

    All these plans and more, contact us now by email for more info:( worlfinancesolutions0011@gmail.com ) OR WhatsApp Number:+919205645829

    Giving your world a meaning.

    Regards.

    World Finance Solutions.

  22. Richard Houston

    Attention dear beneficiary!

    Compliments of the season to you and your loved ones, I am Mr. Richard Houston, 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?. Apply Now for your very low interest rate of 2% loan!

    It a world of happiness with us bring back those joy of yours by applying for a loan with us today.

    All these plans and more, contact us now by email for more info:( worlfinancesolutions0011@gmail.com ) OR WhatsApp Number:+919205645829

    Giving your world a meaning.

    Regards.

    World Finance Solutions.

  23. MEYER SOLOMON

    Hello,

    Do you need a loan for your business expansion and you don’t know what to do about it? Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? Have you been turned down constantly by your banks and other financial institutions just because you have a low credit score? We can assist you in reducing your monthly installments so as you can have affordable repayment options as well as a room to breathe when it comes to the end of the month and bills needs to be paid.

    1. Bad credit acceptable.
    2. Terms and conditions are very simple and considerate.
    3. We have recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of loan syndication and capital provision for individuals and companies.
    4. We have brought ailing industries back to life.
    5. We give good business ideas to our clients by first providing funds for their business startup.
    6. We have a network of investors that are willing to provide funds of whatever amount to
    individuals and organizations to startup their business and operations.

    We offer the following kind of loans :

    1. Mortgage Loans
    2. Home Loans
    3. Business Loans
    4. Commercial Loans
    5. Construction Loans
    6. Vehicle Loans
    7. Personal Loans
    8. Student Loans
    9. Debt Consolidation Loans

    Note: We give out loans at a 2% interest rate yearly.

    Interested persons should contact us via email or text to enable us open a loan processing file.

    Email:- meyersolomonloans@gmail.com

    Best wishes,
    Meyer Solomon Loans©2019.. All rights reserved.

  24. LARRY ELLISON

    We offer the following kind of loans :

    1. Mortgage Loans
    2. Home Loans
    3. Business Loans
    4. Commercial Loans
    5. Construction Loans
    6. Vehicle Loans
    7. Personal Loans
    8. Student Loans
    9. Debt Consolidation Loans

    Note: We give out loans at a 2% interest rate yearly.

    Interested persons should contact us via email or text to enable us open a loan processing file.

    Email:- larryellisonfinance@gmail.com

    Best wishes,
    Larry Ellison Finance ©2019.. All rights reserved.

  25. LARRY ELLISON

    We offer the following kind of loans :

    1. Mortgage Loans
    2. Home Loans
    3. Business Loans
    4. Commercial Loans
    5. Construction Loans
    6. Vehicle Loans
    7. Personal Loans
    8. Student Loans
    9. Debt Consolidation Loans

    Note: We give out loans at a 2% interest rate yearly.

    Interested persons should contact us via email or text to enable us open a loan processing file.

    Email:- larryellisonfinance@gmail. com

    Best wishes,
    Larry Ellison Finance ©2019.. All rights reserved.

  26. RAY

    HELLO Are you in need of a loan?
    Welcome to Payloan company
    we offer all kinds of loan like Personal loans, Debt Consolidation Loan, Venture Capital, Business Loan, Educational Loan, Home Loan, and Loan for any reason and urgent needs!. with an interest rate of 2.5% Have you been turned down by your bank? Do you have bad credit? Do you have unpaid bills? Are you in debt? Do you need to set up a business? Worry no more as we are here to offer you the chance to get a loan. Our loan ranges from any amount of your choice.if interested contact us on this email PayLoan@yahoo.com

  27. Robin Large

    Unfortunately HMRC are only tightening up existing tax law.. when I first started contracting I looked into the whole beneficial loan/trust idea and it was quite clear that a loan was always repayable. If a loan was made and not repaid then the company making that loan were legally responsible for its collection. If they didn’t then it would be treated as untaxed income. The only way round that would have been to keep the money outside UK. It’s called due diligence. Check the facts. People caught either didn’t check or didn’t want to check. A fingers crossed approach to taxation which it seems hasn’t worked out.

  28. mr markline

    TESTIMONY TESTIMONY TESTIMONY Hello friends!!! My name is Jeff Chandler. I want to testify of the good Loan Lender who showed light to me after been scammed by 3 different Internet international lender, they all promise to give me a loan after making me pay a lot of fees which yield nothing and amounted to no positive result. I lost my hard earn money and it was a total of $1,000.00. One day I was browsing through the internet looking frustrated when I came across a testimony of a woman who was also scammed and eventually got linked to a legit loan company called mr peter Loan Company and where she finally got her loan, so I decided to contact the same loan company and then told them my story on how I have been scammed by 3 different lenders who did nothing but to cause me more pain. I explain to the company by whattsapp (+2349063879939) you can also Email the company on their Email Address on (peterloanfirmcompany112@gmail.com) and all they told me was to cry no more because I will get my loan in their company and also I have made the right choice of contacting them. I filled the loan application form and proceeded with all that was requested of me and to my greatest astonishment I was given a loan amount of $580,000.00 US Dollars at a very low interest rate of 4% by this great Company. if there is anyone who is also in need of an urgent loan should kindly whattsapp this great loan company offers on (+2349063879939) or kindly email them. (peterloanfirmcompany112@gmail.com) managed by mr peter loan a God fearing man and here I am today happy because this company has given me a loan so I made a vow to my self that I will keep testifying on the internet on how I got my loan. Do you need a loan urgently? kindly and quickly contact This great company now for your loan via whattsapp +2349063879939. or Email (peterloanfirmcompany112@gmail.com) and share your own testimony thanks.
    Peter loan company offers is a great company and they are the only loan lender who can offers you loan without collateral others are fraud. Mr peter is a very good and kind man he is a God fearing man And i believe God has sent him to come and help us so any one who is really inned ofa an urgent loan should contact him onw and get your instant loan thanks once again. contact him on (+2349063879939). OR Email him on (peterloanfirmcompany112@gmail.com) and celebrate by sharing your own great testimony too do not lose this great opportunity thanks.

  29. ashely n

    TESTIMONY TESTIMONY TESTIMONY Hello friends!!! My name is Jeff Chandler. I want to testify of the good Loan Lender who showed light to me after been scammed by 3 different Internet international lender, they all promise to give me a loan after making me pay a lot of fees which yield nothing and amounted to no positive result. I lost my hard earn money and it was a total of $1,000.00. One day I was browsing through the internet looking frustrated when I came across a testimony of a woman who was also scammed and eventually got linked to a legit loan company called mr peter Loan Company and where she finally got her loan, so I decided to contact the same loan company and then told them my story on how I have been scammed by 3 different lenders who did nothing but to cause me more pain. I explain to the company by whattsapp (+2349063879939) you can also Email the company on their Email Address on (peterloanfirmcompany112@gmail.com) and all they told me was to cry no more because I will get my loan in their company and also I have made the right choice of contacting them. I filled the loan application form and proceeded with all that was requested of me and to my greatest astonishment I was given a loan amount of $580,000.00 US Dollars at a very low interest rate of 4% by this great Company. if there is anyone who is also in need of an urgent loan should kindly whattsapp this great loan company offers on (+2349063879939) or kindly email them. (peterloanfirmcompany112@gmail.com) managed by mr peter loan a God fearing man and here I am today happy because this company has given me a loan so I made a vow to my self that I will keep testifying on the internet on how I got my loan. Do you need a loan urgently? kindly and quickly contact This great company now for your loan via whattsapp +2349063879939. or Email (peterloanfirmcompany112@gmail.com) and share your own testimony thanks.
    Peter loan company offers is a great company and they are the only loan lender who can offers you loan without collateral others are fraud. Mr peter is a very good and kind man he is a God fearing man And i believe God has sent him to come and help us so any one who is really inned ofa an urgent loan should contact him onw and get your instant loan thanks once again. contact him on (+2349063879939). OR Email him on (peterloanfirmcompany112@gmail.com) and celebrate by sharing your own great testimony too do not lose this great opportunity thanks.

  30. Anthony Pasco

    TESTIMONY ON HOW I GOT MY LOAN FROM A GENUINE LOAN COMPANY I am Anthony Pasco Lebel From United State, I quickly want to use this medium to share a testimony on how God directed me to a Legit and real loan lender who have transformed my life from grass to grace, from being poor to a rich man who can now boast of a healthy and wealthy life without stress or financial difficulties. After so many months of trying to get a loan on the internet and was scammed the sum of $5,200 i became so desperate in getting a loan from a legit loan lender online who will not add to my pains, then i decided to contact a friend of mine who recently got a loan online, we discussed about the issue and to our conclusion she told me about a man called Mr Anthony Pasco Wai who is the C.E.O of Sang Wai INVESTMENTS LIMITED So i applied for a loan sum of ($50,000.00 pounds) the loan was approved easily without stress and all the preparations where made concerning the loan transfer and in less than two(2) days the loan was deposited into my bank on the 4th of feb 2019 so i want to advice any one in need of a loan to quickly contact him via:globastandardfinance@gmail.com he does not know am doing this i pray that God will bless him for the good things he has done in my life…..

  31. John Jacob

    Hello, Are you a business man or a woman? Are you in need of an urgent loan? Do you need a loan to start your own business or project or to buy a house or a car? and you are finding it so difficult to get equity loan from local banks and other financial institutes? If you are in urgent need of a loan within 24 hours, I will advice you to contact Global Finance Funding at (globalfinancingfund@gmail.com)

    Global Finance Firm is a global lending organization dedicated to providing fast secured and unsecured cash loans to qualified individuals and companies at a subsidized interest rate. We have helped numerous number of individuals and organizations who have been facing financial difficulty all over the world. When you apply with us, you’re applying with a trusted company that cares about your financing needs. We’ll take care of you through the whole process.

    OUR LOAN SERVICE INCLUDES;

    * PERSONAL LOAN
    * BUSINESS LOAN
    * MORTGAGE LOAN

    We offer loans from a minimum of $1,000 to a maximum of $100 million and a loan duration of 1 to 30 years to pay back the loan (secure and unsecured).

    Our aim is to provide Excellent Professional Financial Services.

    Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial needs. It will be a great joy to us when you are financially stable.

    To know more about Global Finance Funding, Contact Us via email or the WhatsApp number below.
    Email: (globalfinancingfund@gmail.com)
    Email: (contact-globalfinance@protonmail.com)
    WhatsApp: (+17722073517)

    We look Forward to hearing from you as soon as possible.

  32. Lewis

    Hello i am Jeremy i was disabled for 5years due to a bad diseases I had called Myasthenia gravis and I needed to be operated upon. And I needed alot of money for the operation so i was depressed thinking of where to get money from I had a little savings so i told my daughter to go foward the money to this investments i got their contact through a testimony that was posted by someone on (Google) so i contacted requesting more details about their offers so after signing the necessary documents she went and invested it in this investment company But God blessed me. she invested a sum of 3000 Dollars to get 15,000 i went for the operation with the help of this investments i made i was able to pay the hospital bills. Today i am strong and able i thank God and i love this company and i pray that God continue to bless them abundantly. You can contact them through this email: Thompsonlewismilton@gmail.com It is the best miracle that ever happened to me. I doubted and doubted but I tried I took risk but today i am alive.(Thompsonlewismilton@gmail.com) or via WhatsApp +1858-252-2728

  33. Mariangel Feinberg

    Do you need any financial help? Are you in any financial crisis, or do you need funds to start up your own business? Do you need funds to settle your debt or pay off your bills or start a good business? Do you have a low credit score and you are finding it hard to obtain capital services from local banks and other financial institutes? Here is your chance to obtain a financial services from our company. We offer the following finance to individuals
    *Commercial finance
    *Personal finance
    *Construction finance
    *Business finance And many More:

    Contact Us Via +12144336666

    Apply for a loan today. It’s Easy and fast to get.2% interest rates and monthly instalments payments. Check-out this great offer.
    Information Needed
    *Your Name in full:………
    *Address:………
    *Amount Needed:………
    *Duration:………
    *City:………
    *State:………
    *Country:………
    *Zip code:………
    *Phone number:………
    *Monthly income:………
    *Purpose of loan:………
    For more information contact the bellow address: masfinancialservices11@gmail.com

    Kind regards, 
Mariangel Feinberg

Leave a Reply

Your email address will not be published. Required fields are marked *