Millised eeltööd ootavad korteriühistut enne laenuotsuse tegemist?

15. veebr  Madis Pihelgas. Kommentaarid: 67
Korterelamu renoveerimine on pikaajaline protsess.

Juhatusel tuleb organiseerida hoone ülevaatus, teha ühistu liikmete seas selgitustööd ja saada kooskõlastused. Millest tuleks alustada, kui on näha, et käes on hetk hakata remondi jaoks laenu taotlema, räägib SEB Panga äriklientide osakonna kliendihaldur Sirje Astel.

„Kui korteriühistu liikmed on otsustanud, et elamu renoveerimine on vajalik või möödapääsmatu, tuleb alustada selle ülevaatusest, et selgitada välja remonditööde maht. Selleks võib tellida ehitusekspertiisi või energiaauditi. Viimane on vajalik juhul, kui eesmärgiks on energiasääst ning täpsed arvutused selleks,“ selgitab SEB Panga äriklientide osakonna kliendihaldur Sirje Astel. Ehitusekspertiisi saab tellida ehitusinsenerilt või -ettevõttelt, kellel on vastav tegevusluba, mida saab kontrollida majandustegevuse registrist.

SEB Pank ei ole koostanud eraldi nimekirja ehitusekspertiisi koostajatest ja ehitusfirmadest, aga näiteks KredExi kodulehelt leiab need spetsialistid, kellega KredEx on energiasäästuprojektides koostööd teinud ja kes on pädevad korraldama nii elamu ülevaatust, koostama projekti kui ka koguma ehituse hinnapakkumisi ja neid analüüsima. Kuna korteriühistul on ehitustööde perioodiks vaja leida omanikujärelevalve spetsialist, kes kaitseks nende huve ehituse ajal ja aitaks pidada läbirääkimisi ehitajaga, siis on mõttekas kaasata järelevalve juba ettevalmistusperioodil. Lisaks tuleb kohalikult omavalitsuselt ehitusloa saamiseks tellida tõenäoliselt ka ehitusprojekt.

Auditi ja projekti hind sõltub hoonest ja planeeritavatest töödest. Juhatusel tasub küsida nii ehitusekspertiisi/energiaauditi kui ka omanikujärelevalve ja ehitajate leidmiseks hinnapakkumisi, et nende seast sobilik valida. Selleks peaks aga ühistul olema juba kogutud teatud rahaline reserv eeltööde finantseerimiseks ja ehitustööde omafinantseeringuks, mis on näiteks renoveerimislaenu puhul minimaalselt 10%.

Avage laenukalkulaator rahavoogude planeerimiseks.

Korteriühistu eeltööd

Sirje Astel, kellel on enam kui 10 aastat korteriühistu juhtimise kogemust, märgib, et kindlasti on vaja eeltöid laenu saamiseks ja remonttööde tegemiseks teha ka korteriühistus. „Tuleb tagada, et ühistu liikmetel poleks võlgnevusi ühistu ees; rääkida läbi, kui palju nad on valmis panustama remondifondi maksetesse, mis tagavad ühistu maksevõime laenuperioodil, ja kui suure osa ühistu reservidest võiks kaasata omafinantseeringuna projekti finantseerimisse,“ toob ta näiteid.

Suuremahuliste projektide puhul on võimalik küsida pangalt esialgset ligikaudset laenupakkumist, et seda juhatusega või üldkoosolekul arutada ning oma võimalustega võrrelda. See aitab ka majandamiskava koostamisel rahavoogu realistlikumalt planeerida.

„Laenutaotlemise protsess käib tavaliselt nii, et korteriühistu valmistab ette kõik dokumendid ja esitab need koos taotlusega pangale. Pank võrdleb ehitusekspertiisis välja toodud ehitustööde vajalikkust ja korteriühistu planeeritud ehitustöid. Kui ühistu on otsustanud teha vaid osa möödapääsmatult vajalikest töödest, tekib tavaliselt küsimus, millal, kuidas või missuguste vahenditega planeeritakse teha ülejäänud tööd. Kui lagunevad nii katus kui ka vundament, siis ei ole mõistlik ainult üks või teine korda teha,“ räägib Astel.

Eriti oluline on sellised küsimused läbi mõelda just väiksemate, alla 10 korteriga korterelamute puhul. Kui võetakse pikaajaline laen, tehakse korda osa hoonest ning sellega seoses tõstetakse remondifondi makse suurust, kas siis ühistu liikmetel on võimekust teha täiendavaid kulusid õigel ajal tegemata jäänud tööde finantseerimiseks, mis ühel hetkel enam ei kannata edasilükkamist? Asteli sõnul on siiski soovitatav kõik tööd korraga ära teha, sest siis on lihtsam remondifondi makseid planeerida.

Reservi kogumine omafinantseeringu puudumisel

„Kindlasti ei ole võimalik laenutaotlust rahuldada, kui ühistu liikmete viivisvõlgnevus ühistule on suur. Korteriomanike koguvõlg ühistule/haldajale ei tohi ületada 15% viimase 6 kuu keskmisest korteriomanikele esitatud ühe kuu arvete, sealhulgas kommunaalmaksete kogusummast,“ selgitab Astel. Kui ühistu ei ole viimase kahe aasta jooksul remonditöid teinud omavahenditest ja tal ei ole võimalik teha omafinantseeringut minimaalselt 10% projekti kogumaksumusest, tuleks ühistul võtta aega reservide kogumiseks.

Pank kaalub väga põhjalikult taotlusi, mille puhul planeeritav investeering on ebamõistlikult suur võrreldes näiteks korterite võimaliku turuväärtusega. Samuti neid taotlusi, kus laen toob kaasa remondifondi makse mitmekordse suurenemise, mis ei pruugi ühistu liikmetele jõukohane olla. Tähtis on vee, et ühistu üldkoosolek, kus otsustati laenu võtmine ja ehitustööde teostamine, oleks seadusele vastavalt pädev selliseid otsuseid tegema ehk koos oleks kvoorum, häälteenamus jms.

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eve eve laenupakkumine üksikisikutele, kes vajavad rahastamist mikrokrediidi struktuur Oleme välja kujunenud ja aastate jooksul aastad on välja töötanud sügava arusaamise teie vajadustest ja individuaalsed nõuded. Oleme pühendunud oma klientide käsitlemisele õiglane ja pakkuda professionaalset, sõbralikku ja viisakat teenust. Meie protseduurid on loodud teie vastutusele selle tagamiseks pakume tooteid, mis sobivad teie tingimustega. Meie teenus on väga professionaalne ja viivitamata. meie moto on aidata sind, klient, olenemata teie vajadustest. Me pakkuda laene vahemikus 1000 kuni 5 000 000 000 eurot. Taotlused töödeldakse "mitte kohustusena.  Pakume laenu kindla intressimääraga kõigi laenutüüpide jaoks.    Palun, kui olete huvitatud meie teenusest Täida taotleja vorm ja saatke see meile e-posti aadress allpool Teie täielik nimi: .................... Aadress: ................................ Riik: ................................ Laenu summa: ....................... Laenu kestus: ...................... teie e-posti aadress: .............. Leppige meiega kokku evexves@gmail.com FINANCIAL CORPORATION'is on meie rahulolu meie peamine mure. 23. mai 2018
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fernada kredit Laen ja investeeringud kiire ja sulgemiseks Tere Sir / Madam, eelkõige: Eesti Sloveenia, Saksamaa, Letianie, prantsuse, belglased, kanadalased, portugali, itaallased, Šveitsi, DANNOIS ja kõikjal maailmas; Me oleme Golden Financial Investment Group, kes otsib usaldusväärseid ja usaldusväärseid partnereid oma riigis investeerimiseks. Soovime teha koostööd kasumlike projektijuhtidega, kellega me projekti läbipaistval viisil töötame. Samuti anname laenu 5000 kuni 100 000 000 euro ulatuses kõigile tingimustele vastavatele inimestele ja suudame seda tagasi maksta intressimääraga 3% aastas. Kui teil on vaja raha projekti või muudel põhjustel võtke meiega ühendust lisateabe, tõsiste ja ausate isikutega E-post: fernadagonsalo33@gmail.com http://www.loan-and-financing.fr 30. august 2018
fernada kredit Laen ja investeeringud kiire ja sulgemiseks Tere Sir / Madam, eelkõige: Eesti Sloveenia, Saksamaa, Letianie, prantsuse, belglased, kanadalased, portugali, itaallased, Šveitsi, DANNOIS ja kõikjal maailmas; Me oleme Golden Financial Investment Group, kes otsib usaldusväärseid ja usaldusväärseid partnereid oma riigis investeerimiseks. Soovime teha koostööd kasumlike projektijuhtidega, kellega me projekti läbipaistval viisil töötame. Samuti anname laenu 5000 kuni 100 000 000 euro ulatuses kõigile tingimustele vastavatele inimestele ja suudame seda tagasi maksta intressimääraga 3% aastas. Kui teil on vaja raha projekti või muudel põhjustel võtke meiega ühendust lisateabe, tõsiste ja ausate isikutega E-post: fernadagonsalo33@gmail.com http://www.loan-and-financing.fr 30. august 2018
Mary After being in relationship with Anderson for years, he broke up with me, I did everything possible to bring him back but all was in vain, I wanted him back so much because of the love I have for him, I begged him with everything, I made promises but he refused. I explained my problem to my friend and she suggested that I should rather contact a spell caster that could help me cast a spell to bring him back but I am the type that never believed in spell, I had no choice than to try it, I mailed the spell caster, and he told me there was no problem that everything will be okay before three days, that my ex will return to me before three days, he cast the spell and surprisingly in the second day, it was around 4 pm. My ex called me, I was so surprised, I answered the call and all he said was that he was so sorry for everything that happened that he wanted me to return to him, that he loves me so much. I was so happy and went to him that was how we started living together happily again. Since then, I have made promise that anybody I know that have a relationship problem, I would be of help to such person by referring him or her to the only real and powerful spell caster who helped me with my own problem. email: Makospelltemple@yahoo.com OR.His WhatsApp Number:+2347054263874. 16. november 2018
Shannon How I Got My Ex Husband Back........... I am Shannon by name. Greetings to every one that is reading this testimony. I have been rejected by my husband after three(3) years of marriage just because another woman had a spell on him and he left me and the kid to suffer. one day when i was reading through the web, i saw a post on how this spell caster on this address Makospelltemple@yahoo.com , have help a woman to get back her husband and i gave him a reply to his address and he told me that a woman had a spell on my husband and he told me that he will help me and after 2 days that i will have my husband back. i believed him and today i am glad to let you all know that this spell caster have the power to bring lovers back. because i am now happy with my husband. Thanks for Dr.Mako. His email: Makospelltemple@yahoo.com OR.His WhatsApp Number:+2347054263874. 16. november 2018
Elizabeth Flores HOW I GOT MY EX BOYFRIEND BACK WITHIN 30 HOURS WITH THE HELP OF DR PETER. CALL/WHATSAPP +1(321)754-0649 My name is Elizabeth Flores. All thanks to Dr Peter the best spell caster in the World, I am Writing this as a result of his performance in helping me get my lover back to me within 30 hours after i contacted him. Before i contacted Dr.Peter i read so many testimonies about him on the internet and today i am very happy that i am also writing a testimony about him and his super help that he rended to me in getting my Ex lover Back, If you are seeking for an everlasting solution in getting your lover just contact Dr.Peter via mail Magnificentspellcast@gmail.com or Magnificentspellcast@yahoo.com or Call/Whatsapp +1(321)754-0649 and you can also read more about him via his Website http://magnificentspellcast.website2.me and blog http://magnificentspellcast11.blogspot.com and get your lover Back permanently 100% 13. detsember 2018
Elizabeth Flores HOW I GOT MY EX BOYFRIEND BACK WITHIN 30 HOURS WITH THE HELP OF DR PETER. CALL/WHATSAPP +1(321)754-0649 My name is Elizabeth Flores. All thanks to Dr Peter the best spell caster in the World, I am Writing this as a result of his performance in helping me get my lover back to me within 30 hours after i contacted him. Before i contacted Dr.Peter i read so many testimonies about him on the internet and today i am very happy that i am also writing a testimony about him and his super help that he rended to me in getting my Ex lover Back, If you are seeking for an everlasting solution in getting your lover just contact Dr.Peter via mail Magnificentspellcast@gmail.com or Magnificentspellcast@yahoo.com or Call/Whatsapp +1(321)754-0649 and you can also read more about him via his Website http://magnificentspellcast.website2.me and blog http://magnificentspellcast11.blogspot.com and get your lover Back permanently 100% 13. detsember 2018
Elizabeth Flores HOW I GOT MY EX BOYFRIEND BACK WITHIN 30 HOURS WITH THE HELP OF DR PETER. CALL/WHATSAPP +1(321)754-0649 My name is Elizabeth Flores. All thanks to Dr Peter the best spell caster in the World, I am Writing this as a result of his performance in helping me get my lover back to me within 30 hours after i contacted him. Before i contacted Dr.Peter i read so many testimonies about him on the internet and today i am very happy that i am also writing a testimony about him and his super help that he rended to me in getting my Ex lover Back, If you are seeking for an everlasting solution in getting your lover just contact Dr.Peter via mail Magnificentspellcast@gmail.com or Magnificentspellcast@yahoo.com or Call/Whatsapp +1(321)754-0649 and you can also read more about him via his Website http://magnificentspellcast.website2.me and blog http://magnificentspellcast11.blogspot.com and get your lover Back permanently 100% 13. detsember 2018
Elizabeth Flores HOW I GOT MY EX BOYFRIEND BACK WITHIN 30 HOURS WITH THE HELP OF DR PETER. CALL/WHATSAPP +1(321)754-0649 My name is Elizabeth Flores. All thanks to Dr Peter the best spell caster in the World, I am Writing this as a result of his performance in helping me get my lover back to me within 30 hours after i contacted him. Before i contacted Dr.Peter i read so many testimonies about him on the internet and today i am very happy that i am also writing a testimony about him and his super help that he rended to me in getting my Ex lover Back, If you are seeking for an everlasting solution in getting your lover just contact Dr.Peter via mail Magnificentspellcast@gmail.com or Magnificentspellcast@yahoo.com or Call/Whatsapp +1(321)754-0649 and you can also read more about him via his Website http://magnificentspellcast.website2.me and blog http://magnificentspellcast11.blogspot.com and get your lover Back permanently 100% 13. detsember 2018
Elizabeth Flores HOW I GOT MY EX BOYFRIEND BACK WITHIN 30 HOURS WITH THE HELP OF DR PETER. CALL/WHATSAPP +1(321)754-0649 My name is Elizabeth Flores. All thanks to Dr Peter the best spell caster in the World, I am Writing this as a result of his performance in helping me get my lover back to me within 30 hours after i contacted him. Before i contacted Dr.Peter i read so many testimonies about him on the internet and today i am very happy that i am also writing a testimony about him and his super help that he rended to me in getting my Ex lover Back, If you are seeking for an everlasting solution in getting your lover just contact Dr.Peter via mail Magnificentspellcast@gmail.com or Magnificentspellcast@yahoo.com or Call/Whatsapp +1(321)754-0649 and you can also read more about him via his Website http://magnificentspellcast.website2.me and blog http://magnificentspellcast11.blogspot.com and get your lover Back permanently 100% 13. detsember 2018
gruber gruber tõsine tasuta laenupakkumine Hea õhtu sir, kui te olete aus ja tõsine inimene, naudid mu pakkumist. Seda öeldes teatan teile, et annan laene vahemikus 1000 kuni 2 500 000 eurot, nii et palun öelge, kui palju soovite laenata ja mitu aastat soovite laenu anda. südamlikult E-post: grubertherese121@gmail.com 22. jaanuar 2019
therese tõsine tasuta laenupakkumine Hea õhtu sir, kui te olete aus ja tõsine inimene, naudid mu pakkumist. Seda öeldes teatan teile, et annan laene vahemikus 1000 kuni 2 500 000 eurot, nii et palun öelge, kui palju soovite laenata ja mitu aastat soovite laenu anda. südamlikult E-post: grubertherese121@gmail.com 22. jaanuar 2019
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MiracleSpellHome@yahoo.com Dr. Miracle Herbal Medicine Is A Good Remedy For Herpes, I Was A carrier of Herpes and I saw a testimony on how Dr. Miracle, cure Herpes, I decided to contact him, I contacted him and he guided me. I asked him for solutions and he started the remedies for my health. After he finish casting the spell, he told me to go for check up, could you believe that i was confirm herpes negative after the test, and i went to a different hospital and it was also negative, i am so happy today because i'm free from herpes disease with the help of Dr. Miracle. Thank God, now everything is fine, I'm cured by Dr.Miracle,herbal medicine, I'm very thankful to Dr. Miracle, Reach Him On ((MiracleSpellHome@yahoo.com)) Or What App Him Or Call: +39(349)549- 4143,,, DOCTOR MIRACLE CAN AS WELL CURE THE FOLLOWING DISEASE:- (1). HERPES( 2). HIV/AIDS (3). CANCER ALL KINDS (4). Hepatitis A,B,C (5)Pregnant (6) Penis Enlargement ,,,, 6. aprill 2019
Shannon How I Got My Ex Husband Back........... I am Shannon by name. Greetings to every one that is reading this testimony. I have been rejected by my husband after three(3) years of marriage just because another woman had a spell on him and he left me and the kid to suffer. one day when i was reading through the web, i saw a post on how this spell caster on this address Makospelltemple@yahoo.com , have help a woman to get back her husband and i gave him a reply to his address and he told me that a woman had a spell on my husband and he told me that he will help me and after 2 days that i will have my husband back. i believed him and today i am glad to let you all know that this spell caster have the power to bring lovers back. because i am now happy with my husband. Thanks for Dr.Mako. His email: Makospelltemple@yahoo.com OR.His WhatsApp Number:+2347054263874. 25. aprill 2019
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Alexander Andrew Tere Kas vajate laenu isiklikuks otstarbeks või teie ettevõtte vajadustele? Siin on teile hea uudis. Sa oled õiges kohas. Meil on võime pakkuda ettevõtetele ja isiklikele laenudele / laenudele ettevõtetele ja üksikisikutele intressimääraga 3%. E-post: azertmorter@gmail.com whatsapp: +13219993670 Alexander Lynge garanteeritud laenupakkumine 21. juuni 2019
Lorna Harron My Dear friends online, My name is Lorna Harron And i live in USA, New York, I have to give this miraculous testimony, which is so unbelievable until now. I had a problem with my Ex husband 2 years ago, which lead to our break up. I was not myself again, i felt so empty inside me, my love and financial situation became worst, until a close friend of mine told me about a spell caster who helped her in the same problem too his name is Doctor Mako. I email the spell caster and i told him my problem and i did what he asked of me, to cut the long story short. Before i knew what was happen, less than two days my husband gave me a call and told me that he was coming back to me i was so happy to have him back to me. The most interesting part of the story is that am pregnant. Thanks to Doctor Mako for saving my marriage and for also saving others own too. Continue your good work, If you are interested to contact the great spell caster email address: Makospelltemple@yahoo.com also conatct his Whats-app:+2347054263874 27. juuli 2019
Shannon How I Got My Ex Husband Back........... I am Shannon by name. Greetings to every one that is reading this testimony. I have been rejected by my husband after three(3) years of marriage just because another woman had a spell on him and he left me and the kid to suffer. one day when i was reading through the web, i saw a post on how this spell caster on this address Makospelltemple@yahoo.com , have help a woman to get back her husband and i gave him a reply to his address and he told me that a woman had a spell on my husband and he told me that he will help me and after 2 days that i will have my husband back. i believed him and today i am glad to let you all know that this spell caster have the power to bring lovers back. because i am now happy with my husband. Thanks for Dr.Mako. His email: Makospelltemple@yahoo.com OR.His WhatsApp Number:+2347054263874. 1. august 2019
Barbara233 Real love spell caster testimony My name is Barbara i live in Finland a country where Divorce cases seems to be the order of the day,i was married to my husband Matti for 12 years and we were living happily together with our 2 kids and all of a sudden there came this sad moment for the first time in my life i caught my husband having an affair with another lady outside our marriage before this time i have already started noticing strange behavior like he used to spend some time with us, comes home early after work but since he started having an affair with this lady all his love for his wife gone and he now treats me badly and will not always make me happy.I had to keep on moving with my life never knowing that our marriage was now leading to divorce which i can not take because i love Matti my husband very much and i can’t afford to loose him to this strange Lady,i had to seek a friends advice on how i could resolve my marriage problem and make the divorce case not to take place and how to make my husband live this Lady and come back to me again having heard my story my friend decided to help me at all cost she then referred me to A spell caster named Dr.Balogun,Email:(Drbalogungreatspelltemple@gmail.com) my friend also told me that Dr.Balogun have helped so many people that were going through divorce, and also finding possible ways to amend their broken relationship or finding it difficult to get pregnant,to cut my story short i contacted Dr.Balogun and in just 5days days after the spell was done my husband left the other lady and withdrew the divorce case all till now my husband is with me and he now treats me well and we are living happily together again all Thanks goes to Dr.Balogun i never could have done this my self, so to whom it may concern if you are finding difficulty in your relationship or having problems in your marriage just contact Dr.Balogun he is Powerful,straight forward and his spell works Magically,i am somebody who never believed or heard about spell but i gave it a try with Dr.Balogun and today every thing is working well for me and my husband, if you need help on the following kindly contact Dr,Balogun Email:Drbalogungreatspelltemple@gmail.com Website:www.balogunspelltemple.com Phone Number:+2347064627888 Blog:www.balogunlovespelltemple.com WhatsAAp Phone:+2347064627888 (1) If you want your ex back. (2) if you always have bad dreams. (3) You want to be promoted in your office. (4) You want women/men to run after you. (5) If you want a child. (6) You want to be rich. (7) You want to tie your husband/wife to be yours forever. (8) If you need financial assistance. (9) Herbal care (10) If you can be able to satisfy your wife sex desire due to low erection (11) if your menstruation refuse to come out the day it suppose or over flows. (12) if your work refuse to pay your, people owing you?. (13) solve a land issue and get it back. (14) Did your family Denny you of your right? (15) Let people obey my words and do my which. (16) Do you have a low sperm count? (17) Case solve E.T.C 6. august 2019
Barbara233 Real love spell caster testimony My name is Barbara i live in Finland a country where Divorce cases seems to be the order of the day,i was married to my husband Matti for 12 years and we were living happily together with our 2 kids and all of a sudden there came this sad moment for the first time in my life i caught my husband having an affair with another lady outside our marriage before this time i have already started noticing strange behavior like he used to spend some time with us, comes home early after work but since he started having an affair with this lady all his love for his wife gone and he now treats me badly and will not always make me happy.I had to keep on moving with my life never knowing that our marriage was now leading to divorce which i can not take because i love Matti my husband very much and i can’t afford to loose him to this strange Lady,i had to seek a friends advice on how i could resolve my marriage problem and make the divorce case not to take place and how to make my husband live this Lady and come back to me again having heard my story my friend decided to help me at all cost she then referred me to A spell caster named Dr.Balogun,Email:(Drbalogungreatspelltemple@gmail.com) my friend also told me that Dr.Balogun have helped so many people that were going through divorce, and also finding possible ways to amend their broken relationship or finding it difficult to get pregnant,to cut my story short i contacted Dr.Balogun and in just 5days days after the spell was done my husband left the other lady and withdrew the divorce case all till now my husband is with me and he now treats me well and we are living happily together again all Thanks goes to Dr.Balogun i never could have done this my self, so to whom it may concern if you are finding difficulty in your relationship or having problems in your marriage just contact Dr.Balogun he is Powerful,straight forward and his spell works Magically,i am somebody who never believed or heard about spell but i gave it a try with Dr.Balogun and today every thing is working well for me and my husband, if you need help on the following kindly contact Dr,Balogun Email:Drbalogungreatspelltemple@gmail.com Website:www.balogunspelltemple.com Phone Number:+2347064627888 Blog:www.balogunlovespelltemple.com WhatsAAp Phone:+2347064627888 (1) If you want your ex back. (2) if you always have bad dreams. (3) You want to be promoted in your office. (4) You want women/men to run after you. (5) If you want a child. (6) You want to be rich. (7) You want to tie your husband/wife to be yours forever. (8) If you need financial assistance. (9) Herbal care (10) If you can be able to satisfy your wife sex desire due to low erection (11) if your menstruation refuse to come out the day it suppose or over flows. (12) if your work refuse to pay your, people owing you?. (13) solve a land issue and get it back. (14) Did your family Denny you of your right? (15) Let people obey my words and do my which. (16) Do you have a low sperm count? (17) Case solve E.T.C 6. august 2019
Barbara233 Real love spell caster testimony My name is Barbara i live in Finland a country where Divorce cases seems to be the order of the day,i was married to my husband Matti for 12 years and we were living happily together with our 2 kids and all of a sudden there came this sad moment for the first time in my life i caught my husband having an affair with another lady outside our marriage before this time i have already started noticing strange behavior like he used to spend some time with us, comes home early after work but since he started having an affair with this lady all his love for his wife gone and he now treats me badly and will not always make me happy.I had to keep on moving with my life never knowing that our marriage was now leading to divorce which i can not take because i love Matti my husband very much and i can’t afford to loose him to this strange Lady,i had to seek a friends advice on how i could resolve my marriage problem and make the divorce case not to take place and how to make my husband live this Lady and come back to me again having heard my story my friend decided to help me at all cost she then referred me to A spell caster named Dr.Balogun,Email:(Drbalogungreatspelltemple@gmail.com) my friend also told me that Dr.Balogun have helped so many people that were going through divorce, and also finding possible ways to amend their broken relationship or finding it difficult to get pregnant,to cut my story short i contacted Dr.Balogun and in just 5days days after the spell was done my husband left the other lady and withdrew the divorce case all till now my husband is with me and he now treats me well and we are living happily together again all Thanks goes to Dr.Balogun i never could have done this my self, so to whom it may concern if you are finding difficulty in your relationship or having problems in your marriage just contact Dr.Balogun he is Powerful,straight forward and his spell works Magically,i am somebody who never believed or heard about spell but i gave it a try with Dr.Balogun and today every thing is working well for me and my husband, if you need help on the following kindly contact Dr,Balogun Email:Drbalogungreatspelltemple@gmail.com Website:www.balogunspelltemple.com Phone Number:+2347064627888 Blog:www.balogunlovespelltemple.com WhatsAAp Phone:+2347064627888 (1) If you want your ex back. (2) if you always have bad dreams. (3) You want to be promoted in your office. (4) You want women/men to run after you. (5) If you want a child. (6) You want to be rich. (7) You want to tie your husband/wife to be yours forever. (8) If you need financial assistance. (9) Herbal care (10) If you can be able to satisfy your wife sex desire due to low erection (11) if your menstruation refuse to come out the day it suppose or over flows. (12) if your work refuse to pay your, people owing you?. (13) solve a land issue and get it back. (14) Did your family Denny you of your right? (15) Let people obey my words and do my which. (16) Do you have a low sperm count? (17) Case solve E.T.C 6. august 2019
Barbara233 Real love spell caster testimony My name is Barbara i live in Finland a country where Divorce cases seems to be the order of the day,i was married to my husband Matti for 12 years and we were living happily together with our 2 kids and all of a sudden there came this sad moment for the first time in my life i caught my husband having an affair with another lady outside our marriage before this time i have already started noticing strange behavior like he used to spend some time with us, comes home early after work but since he started having an affair with this lady all his love for his wife gone and he now treats me badly and will not always make me happy.I had to keep on moving with my life never knowing that our marriage was now leading to divorce which i can not take because i love Matti my husband very much and i can’t afford to loose him to this strange Lady,i had to seek a friends advice on how i could resolve my marriage problem and make the divorce case not to take place and how to make my husband live this Lady and come back to me again having heard my story my friend decided to help me at all cost she then referred me to A spell caster named Dr.Balogun,Email:(Drbalogungreatspelltemple@gmail.com) my friend also told me that Dr.Balogun have helped so many people that were going through divorce, and also finding possible ways to amend their broken relationship or finding it difficult to get pregnant,to cut my story short i contacted Dr.Balogun and in just 5days days after the spell was done my husband left the other lady and withdrew the divorce case all till now my husband is with me and he now treats me well and we are living happily together again all Thanks goes to Dr.Balogun i never could have done this my self, so to whom it may concern if you are finding difficulty in your relationship or having problems in your marriage just contact Dr.Balogun he is Powerful,straight forward and his spell works Magically,i am somebody who never believed or heard about spell but i gave it a try with Dr.Balogun and today every thing is working well for me and my husband, if you need help on the following kindly contact Dr,Balogun Email:Drbalogungreatspelltemple@gmail.com Website:www.balogunspelltemple.com Phone Number:+2347064627888 Blog:www.balogunlovespelltemple.com WhatsAAp Phone:+2347064627888 (1) If you want your ex back. (2) if you always have bad dreams. (3) You want to be promoted in your office. (4) You want women/men to run after you. (5) If you want a child. (6) You want to be rich. (7) You want to tie your husband/wife to be yours forever. (8) If you need financial assistance. (9) Herbal care (10) If you can be able to satisfy your wife sex desire due to low erection (11) if your menstruation refuse to come out the day it suppose or over flows. (12) if your work refuse to pay your, people owing you?. (13) solve a land issue and get it back. (14) Did your family Denny you of your right? (15) Let people obey my words and do my which. (16) Do you have a low sperm count? (17) Case solve E.T.C 6. august 2019
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Max A Bent Kas vajate võlgade kustutamiseks kiiret laenu või vajate oma ettevõtte täiustamiseks omakapitalilaenu? Kas pangad ja muud finantsagentuurid on teid tagasi lükanud? Kas vajate laenude konsolideerimist või hüpoteek? Ärge otsige rohkem, kui oleme siin, et muuta kõik teie rahalised probleemid minevikku. Võtke meiega ühendust e-posti teel: oceanfmortgages@gmail.com oceanfmortgages@gmail.com See on Ocean Finance'i hüpoteegid. Pakume huvilistele laene mõistliku intressimääraga 2%. Vahemik ulatub 5000 000 dollarist kuni maksimaalselt 100 000 000,00 dollarini. 24. detsember 2019
Vera Joe I'm from USA i want to testify of a great and powerful spell caster my husband left me and the kids for 2 weeks when i called him he didn't pick up when he came back home the 3 week he told me he wanted a divorce i was so sad i cried all night he left again i was so lonely the next day i was searching for something online when i found a spell caster called Dr Azuka who have helped so many people with their problems so i contacted him with my problems he told me it will take 24hrs and my husband will be back to me i did every thing he told me to do and the next day my husband came back kneeling and begging he canceled the divorce we are now happy together Dr Azuka can help you too email him at (dr.azukasolutionhome@gmail.com) or contact him on whats app +44 7520 636249 26. detsember 2019
kimberly After 6 years in marriage with my husband with 2 kids, my husband started going out with other ladies and showed me cold love, on several occasions he threatens to divorce me if I dare question him about his affair with other ladies, I was totally devastated and confused until a friend of mine told me about a spell caster on the internet called Dr ben who help people with relationship and marriage problem by the powers of love spells, at first I doubted if such thing ever exists but decided to give it a try, when I contact him, he cast a love spell for me and within 48hours my husband came back to me and beg me to forgive him for what he did and right now he has stopped going out with ladies and he his with me for good and for real. Contact this great spell caster for your relationship or marriage problem Email him on; drbenspellcaster@gmail.com or Whatsapp +2348151642717 okay. 26. jaanuar 2020
anderson may When I found PRIEST WISDOM I was in desperate need of bringing my ex lover back. He left me for another woman. It happened so fast and I had no say in the situation at all. He just dumped me after 3 years with no explanation. I contact PRIEST WISDOM  and He told me  what i need to do before he can help me and i did what he told me to, after i provided what he wanted, he cast a love spell to help us get back together. Shortly after he did his spell, my boyfriend started texting me again and felt horrible for what he just put me through. He said that I was the most important person in his life and he knows that now. We moved in together and he was more open to me than before and he started spending more time with me than before. Ever since PRIEST WISDOM helped me, my partner is very stable, faithful and closer to me than before. I highly recommends PRIEST WISDOM to anyone in need of help. Email: Supernaturalspell1@gmail.com . Call him or add him on whatsapp via: +2348124644470 PRIEST WISDOM BLOG PAGE: https://supernaturalspell21.blogspot.com/   ....... 28. jaanuar 2020
anderson may When I found PRIEST WISDOM I was in desperate need of bringing my ex lover back. He left me for another woman. It happened so fast and I had no say in the situation at all. He just dumped me after 3 years with no explanation. I contact PRIEST WISDOM  and He told me  what i need to do before he can help me and i did what he told me to, after i provided what he wanted, he cast a love spell to help us get back together. Shortly after he did his spell, my boyfriend started texting me again and felt horrible for what he just put me through. He said that I was the most important person in his life and he knows that now. We moved in together and he was more open to me than before and he started spending more time with me than before. Ever since PRIEST WISDOM helped me, my partner is very stable, faithful and closer to me than before. I highly recommends PRIEST WISDOM to anyone in need of help. Email: Supernaturalspell1@gmail.com . Call him or add him on whatsapp via: +2348124644470 PRIEST WISDOM BLOG PAGE: https://supernaturalspell21.blogspot.com/   .......... 28. jaanuar 2020
PATRICIA Thomas Tere, kõik, ma olen PATRICIA Thomas. praegu elab USA-s Texase linnas. Olen praegu nelja lapsega lesk ja olin 2019. aasta mais finantsseisundis ummikus ning mul oli vaja refinantseerida ja arveid maksta. Proovisin otsida laene erinevatelt nii era- kui ka korporatiivsetelt laenufirmadelt, kuid mitte kunagi õnnestunult ja enamik panku keeldus minu krediidist. Kuid nagu jumalal oleks, tutvustati mulle jumalamehele eralaenu andjat, kes andis mulle laenu 95 000 USD ja on täna ettevõtte omanik ning mu lastel läheb praegu hästi, kui peate mõne ettevõttega ühendust võtma viide laenu tagamine ilma tagatiseta, krediidikontrollita, vaid 2-protsendise intressimääraga kaasallkirjastaja ja paremate tagasimakseplaanide ning ajakavaga pöörduge hr Elijah poole (loancreditinstitutions@gmail.com ). Ta ei tea, et ma seda teen, kuid olen nüüd nii õnnelik ja otsustasin inimestele rohkem temast teada anda ning soovin ka, et Jumal teda rohkem õnnistaks. Kui olete sattunud rahalisse olukorda, võtke kõhklemata ühendust hr Elijaga. E-posti aadress ( loancreditinstitutions@gmail.com ). ta peab vastame sulle kohe, kui ta saab sinu kirja 4. veebruar 2020
PATRICIA Thomas Tere, kõik, ma olen PATRICIA Thomas. praegu elab USA-s Texase linnas. Olen praegu nelja lapsega lesk ja olin 2019. aasta mais finantsseisundis ummikus ning mul oli vaja refinantseerida ja arveid maksta. Proovisin otsida laene erinevatelt nii era- kui ka korporatiivsetelt laenufirmadelt, kuid mitte kunagi õnnestunult ja enamik panku keeldus minu krediidist. Kuid nagu jumalal oleks, tutvustati mulle jumalamehele eralaenu andjat, kes andis mulle laenu 95 000 USD ja on täna ettevõtte omanik ning mu lastel läheb praegu hästi, kui peate mõne ettevõttega ühendust võtma viide laenu tagamine ilma tagatiseta, krediidikontrollita, vaid 2-protsendise intressimääraga kaasallkirjastaja ja paremate tagasimakseplaanide ning ajakavaga pöörduge hr Elijah poole (loancreditinstitutions@gmail.com ). Ta ei tea, et ma seda teen, kuid olen nüüd nii õnnelik ja otsustasin inimestele rohkem temast teada anda ning soovin ka, et Jumal teda rohkem õnnistaks. Kui olete sattunud rahalisse olukorda, võtke kõhklemata ühendust hr Elijaga. E-posti aadress ( loancreditinstitutions@gmail.com ). ta peab vastame sulle kohe, kui ta saab sinu kirja 4. veebruar 2020
Linda Mark HOW I GOT MY LOAN FROM THIS GREAT COMPANY Hello my dear people, I am Linda McDonald, currently living in Austin Texas, USA. I am a widow at the moment with three kids and i was stuck in a financial situation in April 2018 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not full prey to those hoodlums at there that call them self-money lender they are all scam , all they want is your money and you well not hear from them again they have done it to me twice before I met Mr. David Wilson the most interesting part of it is that my loan was transfer to me within 74hours so I will advise you to contact Mr. David if you are interested in getting loan and you are sure you can pay him back on time you can contact him via email……… (davidwilsonloancompany4@gmail.com) No credit check, no cosigner with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Mr. David Wilson today for your loan They offer all kind of categories of loan they Short term loan (5_10years) Long term loan (20_40) Media term loan (10_20) They offer loan like Home loan............., Business loan........ Debt loan....... Student loan.........., Business startup loan Business loan......., Company loan.............. etc Email..........( davidwilsonloancompany4@gmail.com) When it comes to financial crisis and loan then David Wilson loan financial is the place to go please just tell him I Mrs. Linda McDonald direct you Good Luck....................... 5. veebruar 2020
Mr Elijah Tere, pakume kahte (2) tüüpi laenu, mis on: {1} Isiklik laen {2} Kommertslaen Asume Saksamaal. Minu nimi on hr Elijah. Olen eraõiguslik laenuandja, kes annab eraisikutele ja ettevõtetele laenu. Kas nii paljud pangad on teid tagasi lükanud? Kas vajate oma ettevõtte loomiseks rahalisi vahendeid? Kas vajate oma ettevõtte laiendamiseks rahalisi vahendeid? Või vajate isiklikku laenu? Minu laen ulatub isiklikust laenust ettevõttele. Minu intressimäär on väga taskukohane ja ka meie laenuprotsess on väga kiire. Olen väga valmis tegema kõik teie rahalised mured minevikuks. Kui olete tõesti valmis oma rahalised probleemid lahendama, siis ärge otsige enam ja taotlege täna laenu. Kui olete huvitatud, täitke andmevorm, et saaksin teile esitada oma tingimused. Ettevõtte e-post: loancreditinstitutions@gmail.com LAENUvõtjate ANDMETE VORM SINU NIMI.......... SINU RIIK.......... OMA HÕPE .......... OMA MEREENUS .......... TELEFONINUMBER.......... KUU TULU .......... AADRESS .......... EESMÄRK .......... LAENU TAOTLUS .......... LAENU KESTUS .......... Minu e-posti aadress on toodud allpool: ( loancreditinstitutions@gmail.com ) Ootan teiega äri tegema. ========== Aitäh Hr Eelija 9. veebruar 2020
Mr Elijah Tere, pakume kahte (2) tüüpi laenu, mis on: {1} Isiklik laen {2} Kommertslaen Asume Saksamaal. Minu nimi on hr Elijah. Olen eraõiguslik laenuandja, kes annab eraisikutele ja ettevõtetele laenu. Kas nii paljud pangad on teid tagasi lükanud? Kas vajate oma ettevõtte loomiseks rahalisi vahendeid? Kas vajate oma ettevõtte laiendamiseks rahalisi vahendeid? Või vajate isiklikku laenu? Minu laen ulatub isiklikust laenust ettevõttele. Minu intressimäär on väga taskukohane ja ka meie laenuprotsess on väga kiire. Olen väga valmis tegema kõik teie rahalised mured minevikuks. Kui olete tõesti valmis oma rahalised probleemid lahendama, siis ärge otsige enam ja taotlege täna laenu. Kui olete huvitatud, täitke andmevorm, et saaksin teile esitada oma tingimused. Ettevõtte e-post: loancreditinstitutions@gmail.com LAENUvõtjate ANDMETE VORM SINU NIMI.......... SINU RIIK.......... OMA HÕPE .......... OMA MEREENUS .......... TELEFONINUMBER.......... KUU TULU .......... AADRESS .......... EESMÄRK .......... LAENU TAOTLUS .......... LAENU KESTUS .......... Minu e-posti aadress on toodud allpool: ( loancreditinstitutions@gmail.com ) Ootan teiega äri tegema. ========== Aitäh Hr Eelija 9. veebruar 2020
Adams Vienna MY STORY HERE IS REAL AND GENUINE. My name is Adams Vienna and i am here to testify about Great Mother who brought back my man to me when he broke up with me because of another woman who he met at his place of work. Great Mother is a very powerful, real and unique woman with special powers. I tried to get help from many places and sources to bring back my man but nothing worked but when i contacted Great Mother, she made me smile again by bringing my man back to me with her special powers.. If you are experiencing any problems in your marriage, relationship, and you have any similar problem to this, contact this Great Woman now she will help you. Here is her website: Ourgreatmother1.com   and here is her email address: Greatmotherofsolutiontemple1@yahoo.com   and you can also contact her now on her own Whatsapp number: +17025514367 You can either contact her on her website, email or her whatsapp number. Thank you Great Mother.   11. veebruar 2020
lisa william I want to offer a bit of advice to anyone looking to find help on saving their marriage/relationship. Me and my husband had a torrid time for a whole decade; all our family & friends constantly advising us to get a divorce but we knew it would break our children’s heart. We tried so many different things to save our marriage i came across a very helpful online spell caster DR IWISA website https://superiorspellhome.webnode.com that help us solved the problem well for us with his permanent reunite marriage binding love spell: if you are looking for help; I do highly recommend anyone who is having troubles right now to try DR IWISA Email: superiorspellhome@gmail.com Call & Whatsapp +27730886631 https://superiorspellhome.webnode.com 11. veebruar 2020
lisa william I want to offer a bit of advice to anyone looking to find help on saving their marriage/relationship. Me and my husband had a torrid time for a whole decade; all our family & friends constantly advising us to get a divorce but we knew it would break our children’s heart. We tried so many different things to save our marriage i came across a very helpful online spell caster DR IWISA website https://superiorspellhome.webnode.com that help us solved the problem well for us with his permanent reunite marriage binding love spell: if you are looking for help; I do highly recommend anyone who is having troubles right now to try DR IWISA Email: superiorspellhome@gmail.com Call & Whatsapp +27730886631 https://superiorspellhome.webnode.com 11. veebruar 2020
rose wood MY HUSBAND IS BACK WITH THE GREAT HELP OF LORD SAN LOVE SPELLI'm so excited my broken Marriage has been restored my ex husband is back after he left me and our 2kids for another woman. i was so happy to meet LORD SAN how he help many people to bring there Lover back so i contact him to help me too. that was how  help me to bring my husband back.. A big thank to you LORD SAN because I never thought my ex Husband will be back to me so quickly with your spell. You are the best and world greatest. if you are here and you need your Ex Lover back or your husband moved to another woman, do not cry anymore, contact this powerful spell caster now. Here’s his contact: Email him at: {moneytemple@outlook.com}You can also Call/Whats App:+447482854279 You can also visit his website:https://thetempleofmoney.com/ 15. veebruar 2020
ruth i want to let the world know about Dr, Ojoka the Great spell caster that brought back my husband to me when i thought all hope was lost. Dr, Ojoka used his powerful spell to put a smile on my face by bringing back my man with his spell, at first i thought i was dreaming when my husband came back to me on his knees begging me to forgive him and accept him back and ever since then he loves me more than i ever expected so i made a vow to my self that i will let the World know about Dr, Ojoka because he is a God on earth. Do you have problems in your relationship ? have your partner broke up with you and you still love and want him back ? Do you have problem with your finance ? or do you need help of any kind then contact Dr, Ojoka today for i give you 100% guarantee that he will help you just as he helped me. Dr, Ojoka email is: dr.ojokaspelltemple@gmail.com OR add him on whats app via: +2348144172934 check his website http://Drojokaspelltemple.website2.me 15. veebruar 2020
Hr Eelija Tere, pakume kahte (2) tüüpi laenu, mis on: {1} Isiklik laen {2} Kommertslaen Asume Saksamaal. Minu nimi on hr Elijah. Olen eraõiguslik laenuandja, kes annab eraisikutele ja ettevõtetele laenu. Kas nii paljud pangad on teid tagasi lükanud? Kas vajate oma ettevõtte loomiseks rahalisi vahendeid? Kas vajate oma ettevõtte laiendamiseks rahalisi vahendeid? Või vajate isiklikku laenu? Minu laen ulatub isiklikust laenust ettevõttele. Minu intressimäär on väga taskukohane ja ka meie laenuprotsess on väga kiire. Olen väga valmis tegema kõik teie rahalised mured minevikuks. Kui olete tõesti valmis oma rahalised probleemid lahendama, siis ärge otsige enam ja taotlege täna laenu. Kui olete huvitatud, täitke andmevorm, et saaksin teile esitada oma tingimused. Minu e-posti aadress on toodud allpool: loancreditinstitutions@gmail.com LAENUvõtjate ANDMETE VORM SINU NIMI.......... SINU RIIK.......... OMA HÕPE .......... OMA MEREENUS .......... TELEFONINUMBER.......... KUU TULU .......... AADRESS .......... EESMÄRK .......... LAENU TAOTLUS .......... LAENU KESTUS .......... Minu e-posti aadress on toodud allpool: ( loancreditinstitutions@gmail.com ) Ootan teiega äri tegema. ========== Aitäh Hr Eelija 22. veebruar 2020
Hr Eelija Tere, pakume kahte (2) tüüpi laenu, mis on: {1} Isiklik laen {2} Kommertslaen Asume Saksamaal. Minu nimi on hr Elijah. Olen eraõiguslik laenuandja, kes annab eraisikutele ja ettevõtetele laenu. Kas nii paljud pangad on teid tagasi lükanud? Kas vajate oma ettevõtte loomiseks rahalisi vahendeid? Kas vajate oma ettevõtte laiendamiseks rahalisi vahendeid? Või vajate isiklikku laenu? Minu laen ulatub isiklikust laenust ettevõttele. Minu intressimäär on väga taskukohane ja ka meie laenuprotsess on väga kiire. Olen väga valmis tegema kõik teie rahalised mured minevikuks. Kui olete tõesti valmis oma rahalised probleemid lahendama, siis ärge otsige enam ja taotlege täna laenu. Kui olete huvitatud, täitke andmevorm, et saaksin teile esitada oma tingimused. Minu e-posti aadress on toodud allpool: loancreditinstitutions@gmail.com LAENUvõtjate ANDMETE VORM SINU NIMI.......... SINU RIIK.......... OMA HÕPE .......... OMA MEREENUS .......... TELEFONINUMBER.......... KUU TULU .......... AADRESS .......... EESMÄRK .......... LAENU TAOTLUS .......... LAENU KESTUS .......... Minu e-posti aadress on toodud allpool: ( loancreditinstitutions@gmail.com ) Ootan teiega äri tegema. ========== Aitäh Hr Eelija 22. veebruar 2020
AMANDA I meant a friend who directed me to spell caster called Dr PADMAN online who help people to solve their relationship and marriage problems i never believed in spell until i meet a man called Dr Dr PADMAN, who help me cast a spell that bring back my ex-lover who left me for two years before our marriage,His spells works beyond my imaginations and today i am happily married with two kids and me and my [ex-lover] now husband are very happy more than ever before,what more can i say rather than to say thank you Dr PADMAN for been there for me,contact him today and your life will never ever remain the same his Email: padmanlovespell@yahoo.com. Whatsapp +1949229386 (info@padmanspell.com) website: https://padmanspell.com/index-3.html 25. veebruar 2020
Hr Eelija Tere, pakume kahte (2) tüüpi laenu, mis on: {1} Isiklik laen {2} Kommertslaen Asume Saksamaal. Minu nimi on hr Elijah. Olen eraõiguslik laenuandja, kes annab eraisikutele ja ettevõtetele laenu. Kas nii paljud pangad on teid tagasi lükanud? Kas vajate oma ettevõtte loomiseks rahalisi vahendeid? Kas vajate oma ettevõtte laiendamiseks rahalisi vahendeid? Või vajate isiklikku laenu? Minu laen ulatub isiklikust laenust ettevõttele. Minu intressimäär on väga taskukohane ja ka meie laenuprotsess on väga kiire. Olen väga valmis tegema kõik teie rahalised mured minevikuks. Kui olete tõesti valmis oma rahalised probleemid lahendama, siis ärge otsige enam ja taotlege täna laenu. Kui olete huvitatud, täitke andmevorm, et saaksin teile esitada oma tingimused. Minu e-posti aadress on toodud allpool: loancreditinstitutions@gmail.com LAENUvõtjate ANDMETE VORM SINU NIMI.......... SINU RIIK.......... OMA HÕPE .......... OMA MEREENUS .......... TELEFONINUMBER.......... KUU TULU .......... AADRESS .......... EESMÄRK .......... LAENU TAOTLUS .......... LAENU KESTUS .......... Minu e-posti aadress on toodud allpool: ( loancreditinstitutions@gmail.com ) Ootan teiega äri tegema. ========== Aitäh Hr Eelija 25. veebruar 2020
Lizzy Dixon Am Lizzy Dixon from Canada, I want to quickly tell the world that there is a real online spell caster that is powerful and genuine, His name is Chief He helped me recently to reunite my relationship with my husband who left me, When i contacted Chief he cast a love spell for me, and my husband who said he doesn't have anything to do with me again called me and started begging me to come back. he is back now with so much love and care. today i am glad to let you all know that this spell caster have the powers to restore broken relationship back. because i am now happy with my husband. To anyone who is reading this article and needs any help, Chief can also offer any type of help like, Court Cases, Pregnancy Spell, Spiritual protection and lot's more. You can contact him Via his email chiefdrlucky@gmail.com call or add him on whats-app with his phone number +2348132777335 Website: http://chiefdrluckysolutionhome.website2.me/    28. veebruar 2020
Aisha Kun Great Mother is Real... I am Aisha Kun and i want to testify about Great Mother how she cured me of hiv aids. I was diagnosed of this disease some time ago and i was worried. when i was searching the internet looking for a cure, i came across some testimonies of Great Mother how she has helped a lot of people and i decided to contact her on her info and explained to her. She laughed and told me that she will help me and i was surprised. She sent me the cure and it was a spiritual holy oil and water which is more than a medicine. She directed me on how to take it and i did. I took the cure for 3 weeks and i went to the doctor for check up and to my greatest surprise the disease was no longer in my system. I am so glad and i want to thank Great Mother for helping me. Contact her now on her email:  Greatmotherofsolutiontemple1@yahoo.com  you can also reach her on her whatsapp number  +17025514367. If you have any disease, she can help you. Contact her now 29. veebruar 2020
Aisha Kun Great Mother is Real... I am Aisha Kun and i want to testify about Great Mother how she cured me of hiv aids. I was diagnosed of this disease some time ago and i was worried. when i was searching the internet looking for a cure, i came across some testimonies of Great Mother how she has helped a lot of people and i decided to contact her on her info and explained to her. She laughed and told me that she will help me and i was surprised. She sent me the cure and it was a spiritual holy oil and water which is more than a medicine. She directed me on how to take it and i did. I took the cure for 3 weeks and i went to the doctor for check up and to my greatest surprise the disease was no longer in my system. I am so glad and i want to thank Great Mother for helping me. Contact her now on her email:  Greatmotherofsolutiontemple1@yahoo.com  you can also reach her on her whatsapp number  +17025514367. If you have any disease, she can help you. Contact her now 29. veebruar 2020
Jenna Hello my name is Jenna i want to share my amazing experience with the greatest spell caster Priest Ade my husband was cheating on me and when i found out we had a fight which lead to him filling for a divorce i cried and fell sick when i was searching about love quotes online i saw people talking about him and his great work whose case was similar to mine they left his contact info i contacted him and he told me not to worry that after 24hrs he will cancel the divorce and be back to me after i did everything he asked me to do to my greatest surprise the next day evening it was my husband he knelt down begging me to accept him back,thank you once again Priest Ade you are indeed a blessing to me he can also help you contact ancientspiritspellcast@yahoo.com or ancientspiritspellcast@gmail.com  https://ancientspiritspellcast12.wordpress.com Blog: https://priestade.blogspot.com Website http://ancientspiritspellcast.website2.me WhatsApp +2347059715465  . 2. märts 2020
Dereks Douglass Tere, Kas vajate oma rahulolu jaoks mugavat laenu? Pakume kohalikele ja rahvusvahelistele laenuvõtjatele taskukohast 3% intressiga laenu. Oleme sertifitseeritud, usaldusväärne, usaldusväärne, tõhus, kiire ja dünaamiline ning teeme koostööd. anname pikaajalist laenu maksimaalselt 2 kuni 50 aastat. Kas vajate võlgade tasumiseks, ettevõtte alustamiseks või mõnel muul põhjusel otsest, lihtsat ja taskukohast laenu? Kui jah, võtke meiega ühendust oma laenutaotlusega. See pakkumine on mõeldud tõsistele inimestele. Huvi korral võtke meiega ühendust e-posti aadressil: email: easyloanfirm2020@gmail.com   Oleme sertifitseeritud, usaldusväärne, usaldusväärne, tõhus, kiire ja dünaamiline. Parimate soovidega, Derek Douglas easyloanfirm2020@gmail.com 15. märts 2020
Derek Douglas Tere, Kas vajate oma rahulolu jaoks mugavat laenu? Pakume kohalikele ja rahvusvahelistele laenuvõtjatele taskukohast 3% intressiga laenu. Oleme sertifitseeritud, usaldusväärne, usaldusväärne, tõhus, kiire ja dünaamiline ning teeme koostööd. anname pikaajalist laenu maksimaalselt 2 kuni 50 aastat. Kas vajate võlgade tasumiseks, ettevõtte alustamiseks või mõnel muul põhjusel otsest, lihtsat ja taskukohast laenu? Kui jah, võtke meiega ühendust oma laenutaotlusega. See pakkumine on mõeldud tõsistele inimestele. Huvi korral võtke meiega ühendust e-posti aadressil: email: easyloanfirm2020@gmail.com   Oleme sertifitseeritud, usaldusväärne, usaldusväärne, tõhus, kiire ja dünaamiline. Parimate soovidega, Derek Douglas easyloanfirm2020@gmail.com 15. märts 2020
Claudia klein Tere ja Tere tulemast Spotcapi ülemaailmsetesse laenuteenustesse. Minu nimi on Claudia Klein, olen laenuandja ja ka laenukonsultant. Kas vajate rahalist tugevdamist? kas vajate laenu erinevatel eesmärkidel? Kui vastus on jaatav, soovitan teil pöörduda minu ettevõtte poole | spotcapglobalservices@gmail.com | või kirjuta meile WhatsApp: +4915758108767 | ja teie kontol on laen 24 tunni jooksul, kuna pakume suurepäraseid laenuteenuseid kogu maailmas. Pakume kõikvõimalikke laenuteenuseid (isiklik laen, ärilaen ja palju muud), pakume nii pika- kui ka lühiajalisi laene ning lisaks saate laenata kuni 15 miljonit eurot. Minu ettevõte aitab teil mitmesuguste laenutoodete abil saavutada mitmesuguseid eesmärke. Me teame, et õigustatud laenu saamine on alati olnud tohutu probleem Üksikisikute jaoks, kellel on rahalisi probleeme ja kes vajavad selle lahendamist, on paljudel inimestel kõrgete intresside tõttu nii keeruline omakapitalilaenu saada kohalikest pankadest või muudest finantseerimisasutustest. määr, ebapiisav tagatis, võla ja sissetuleku suhe, madal krediidiskoor või muud põhjused Enam pole ooteaegu ega stressirohkeid pangavisiite. Meie teenus on saadaval ööpäevaringselt - saate laenu ja teha tehinguid igal ajal ja igal pool, kus seda vajate Pakume 24-tunnist maailmatasemel laenuteenust. Päringutele / küsimustele? - Saada e-kiri aadressile | spotcapglobalservices@gmail.com | või kirjuta meile WhatsApp: +4915758108767 | & Saate vastuse hetkega. Teie pere, sõbrad ja kolleegid ei pea teadma, et teil on vähe raha, lihtsalt kirjutage meile ja saate laenu. Teie rahaline vabadus on teie kätes! 16. märts 2020
cater tam I was diagnosed of herpes virus, I have tried all possible means to get cure but all my effort proved abortive, until a friend of mine introduced me to a herbal doctor called Chief Dr Lucky, who prepare herbal medicine to cure all kind of diseases including herpes virus (Herpes), when i contacted this herbal doctor via email, he sent me herpes virus herbal medicine via courier service, when i received the herbal medicine he gave me step by step instructions on how to apply it, when i applied it as instructed i was totally cured from the virus within 3 weeks of usage. Contact this great herbal doctor today to get your cure.  Via Email : chiefdrlucky@gmail.com Whats App : +2348132777335 website : http://chiefdrluckysolutionhome.website2.me/     26. märts 2020
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