Friday, October 14, 2016

Peer-to-peer lending platform Mintos independent review

Mintos Background

Mintos is one of the fastest growing peer-to-peer lending platforms in Continental Europe. They have gained massive momentum by providing investors a platform that allows buying loan claims issued by payday lenders in Eastern Europe. The acquired claims are backed by buyback guarantees.

Buyback guarantee is an insurance product where the platform buys back the claim at nominal value (plus accrued interest) if the underlying loan defaults. In return investors are buying loan claim at a very low interest rate compared to the risk. There are loans available without buyback guarantees but investors have so far primarily acquired loans with these guarantees.

I unfortunately recently discovered that the reasons why I thought Mintos is the best platform in the industry are all lies.

Mintos is bankrupt

Mintos states that “Buy-back guarantee is a guarantee issued by the loan originator to the investor for a particular loan, whereas the loan originator will repurchase the loan from the investor if that particular loan becomes delayed more than 60 days”. In reality investors do not have any claims against the loan originators but against Mintos. When troubles come then investors are left with nothing as Mintos’ balance sheet is nearly 30 times smaller than the outstanding size of the buyback guarantees.

Mintos needs to properly account for buyback guarantees by classifying buyback guarantees as liabilities. Mintos management should thereafter file for bankruptcy protection as they do not have enough assets or reserves to cover the liabilities. This issue should be raised with the regulators and their auditor immediately before Mintos blows up with over 30 million euro of investor money.

Read below to understand why Mintos, not the loan originators, are liable for buyback guarantees.

Mintos is channeling investors’ money to its owner

Mintos states that “At the Mintos marketplace, you will find plenty of loans to invest in. Diversify across loan types, loan originators, and different geographies”. In reality over 80% of the capital is being used to fund the operations of Mintos’ actual founder and CEO Aigars Kesenfelds, the son of a Latvian politician and businessman Ivars Kesenfelds  who financed Aigars’ payday lending businesses initially. Mintos, Mogo, Hipocredit, Lendo and Banknote are all controlled by Aigars Kesenfelds. See below for documents proving the associations.

The outstanding balances of the originators on Mintos make up 80.23% of the outstanding portfolio. The rest of the businesses could have links to Mintos but I was only able to verify ownership details of companies where ultimate owners were registered in Latvia and that had meaningful size.



Capitalia at first seems independent however one of their board members Mārtiņš Krūtainis is also on the board of Hipocredit.

The ownership structure of Creamfinance (6.97% of the outstanding portfolio) lead to Cyprus - a country preferred by Russian capital.

Kredito Garantas, Creditstar, Aforti, Debifo, Acema, Aventus, Mano Unija and Agrocredit are all potentially independent. However they collectively make up only 3.91% of the total portfolio and act only as marketing gimmicks to push the diversification statement.

Scroll below for the supporting documents and more detailed explanation of the ownership structure.

Why is Mintos liable for buyback guarantees?

Mintos is liable for the buyback guarantees instead of the loan originators as the liability for honoring the buyback guarantee has been assigned to Mintos from the loan originator. Subsection 4 of paragraph 5.1.1. of the Assignment Agreement states that:

Mintos, as the representative of the Loan Originator, shall act on behalf of the Loan Originator pursuant the cooperation agreement concluded by and between the Loan Originator and Mintos by carrying out the following activities: 4) in case the buyback right of the Loan Originator is exercised, pay the buyback price of the Claim to the Assignee.

The assignment agreement further goes to state that buyback guarantee is a right of the loan originator, not its obligation. Only in case the collateral is sold or borrower is declared insolvent by court (which never happens with personal loans), does the loan originator have the liability to exercise the buyback right. However it still needs to be honored by Mintos.

11.2. The Loan Originator has the right, but not an obligation to use its buyback rights in any of the following events:
11.2.1. the Borrowers delays the payments arising from the Loan Agreement by more than 60 (sixty) days;
11.2.2. the Assignee has fully or partially recalled the authorization included in the Agreement or the Terms and Conditions of the Portal User;
11.2.3. Mintos pursuant to the Terms and Conditions of the Portal User has limited the Assignee’s rights to use the Portal;
11.2.4. in event of early termination of the Agreement;
11.2.5. pursuant to unilateral decision of the Loan Originator.
11.7. In addition to the provisions specified in Clause 11.2 of the General Terms and Conditions, if the sale of the Collateral or insolvency proceedings of the Borrower are commenced, the Loan Originator immediately exercises buyback rights granted to it by Mintos giving written notice thereof to the Assignee at its email address. Buyback rights specified in this Clause are exercised by the Loan Originator in the interests of the Assignee to ensure that the proceeds obtained from the sale of the Collateral are used to cover the Claim owned by the Assignee. As of the date of notice by Mintos to the Assignee, the Claim is considered sold back and transferred to the Loan Originator.

Why is this dangerous for investors?

Mintos states that “Every loan on the Mintos marketplace is pre-funded by the respective loan originator, which, moreover, will keep a certain percentage of the loan on its balance sheet. As the result, the incentives of loan originators and investors are aligned.” In reality Aigars Kesenfelds has designed a structure whereby funds from individual investors are directed to his companies at very low interest rates compared to the risks the companies are taking with all risks staying with the investor.

1) In case the loan performs then the loan originator is making up to 138% return on the loans (https://lendo.ge/ is issuing loans at 150% interest rates and passing only 12% to investors).
2) In addition they are making up to 7.5% of the loan amount on issuing the loan by service fees (In Latvia: https://www.mogo.lv/lv/kalkulators/ - Līguma noformēšanas komisija 7,5% no aizdevuma summas, bet ne mazāk kā 150 EUR; 7,5% no līzinga summas, bet ne mazāk kā 150 EUR)
3) In case the loan does not perform there is no liability for the loan originator as they have assigned the principal claim, plus a small share of the interest, to the investors on Mintos.
4) In case they have sold the loan with a buyback guarantee then they do not have to honor it as by law this liability has been passed to Mintos, a shell company with no meaningful assets and equity.
5) The companies are supposedly keeping a small 10% neck-in-the-game share of the loan to align risks. However point 1 and 2 above shows that this is only cosmetic and in practice they do not have to put any capital aside or get this capital back already in a month or so.

In other words – Aigars is able to earn spreads of 100%+ on loan portfolios where he has not committed any capital himself and where risks are all pushed to individual investors whilst returns all kept to himself.

How are Mintos and loan originators connected?

My research is based on public company registry information available in Latvia as well as basic online searched in LinkedIn and Google. I have enclosed the original documents as well as simplified overviews created based on this information.

List in Excel: https://drive.google.com/open?id=0B2xTRapiRmJzUlVOQ1ZvZU5hc2c
Relationship Map 1: https://drive.google.com/open?id=0B2xTRapiRmJzRnZYM01GRXpIYWs
Relationship Map 2: https://drive.google.com/open?id=0B2xTRapiRmJzRmJMeFlWeUpEajQ

Many of the people shared between companies are actually employees of FORT Law who probably is offering nominee services for Aigars to be able to cover up true ownership. You will find that 6 companies have board/council members who actually work here: http://fortlegal.com/people/




AS Mintos Holdings is a shareholder for AS Mintos Marketplace. AS Skillion Ventures is a shareholder for AS Mintos Holdings. AS Skillion Ventures is in turn is owned by Aigars Kesenfelds. AS Skillion Ventures is also the owner of AS Hipocredit. Skillion/Aigars Kesenfelds is also the owner of the Mogo and SIA "ExpressCredit" (Banknote). Lendo is owned by SIA "EC Investments" which in turn is owned by SIA "ExpressCredit"

News story on Aigars launching Skillion Ventures: http://www.db.lv/tehnologijas/kesenfelds-juniors-sak-jaunu-biznesa-projektu-238647
Mintos Holdings registry extract: https://drive.google.com/open?id=0B2xTRapiRmJzQXRWcDR0TUxXa2M
Mintos Marketplace registry extract: https://drive.google.com/open?id=0B2xTRapiRmJzT2VMZkNNRjAxWUU

HIPOCREDIT - Joint Stock Company "Hipocredit". The Board and the Council are the same as for MINTOS (AS Mintos Holdings and AS Mintos Marketplace), AS Skillion Ventures and AS Mogo.

Hipocredit registry extract: https://drive.google.com/open?id=0B2xTRapiRmJzMFdqUzNUaGZRREU

BANKNOTE - Limited Liability Company "Express Credit". 3 Council Members, from which all are also represented in other companies like Mogo, EC Investments, Mintos and Skillion Ventures. Aigars Kesenfelds is an owner of the company, based on his LinkedIn profile. SIA AE Consulting and SIA Lombards24.lv are the Shareholders for Banknote (SIA Expresskredit) LV, and all three companies share the same Shareholders/Board members.

ExpressCredit registry extract: https://drive.google.com/open?id=0B2xTRapiRmJzT25OVmNoOThXU3M

Mogo - Joint Stock Company "Mogo". The Council consists of 5 Members, from which three members are also in other companies such as MINTOS, Banknote, EC Investments, Skillion Ventures and Hipocredit. Aigars Kesenfelds is an owner of the company, based on his LinkedIn profile. Previously AS Skillion Ventures was also publicly shown as an owner (see visual map above).



Mogo registry extract: https://drive.google.com/open?id=0B2xTRapiRmJzMmdUMkRWbDFZazA

LLC Lendo is owned by SIA “EC Investments” which is owned by SIA "ExpressCredit" (Banknote).
EC Investments, SIA – same shareholders with AS Mogo, SIA "AE Consulting", Banknote (SIA Expresskredit) LV, AS Mintos Marketplace (LV), AS Mintos Holdings (LV), AS Skillion Ventures (LV). Lendo LLC, SIA "Lombards24.lv", SIA "AE Consulting". EC Investments managers have previously been on the board of AS Skillion ventures.

Lendo registry extract: https://drive.google.com/open?id=0B2xTRapiRmJzbjl3ckZQNmRab0U

Capitalia - Joint Stock Company "Capitalia". Council has 3 members, from which the Chairman is also a member of the Council in AS Hipocredit. AS Capitalia has a pledge of Creamfinance.

Capitalia registry extract: https://drive.google.com/open?id=0B2xTRapiRmJza0gxSTZDbHh0MUU

CREAM FINANCE - Limited Liability Company "CREAM Finance". AS Capitalia has a pledge of Creamfinance

Creamfinance registry extract: https://drive.google.com/open?id=0B2xTRapiRmJzdU05RlVvdUVVWEU

What should I do?

If you think you have been misled by Mintos then contact the regulators in Latvia:


The size of this financial scheme has already grown enormous. If Mintos is stopped today then the situation might resolve without causing actual losses as Aigars and his companies potentially still have the funds to repay investors. If you wait to take action you are risking of losing all your funds.








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  2. The list of Board members and Supervisory Board members of ACEMA Credit Czech a.s. is publicly available here (in Czech language) https://or.justice.cz/ias/ui/rejstrik-firma.vysledky?subjektId=522513&typ=PLATNY but the owners are not disclosed. From the legal document available here https://or.justice.cz/ias/ui/vypis-sl-firma?subjektId=522513 one can read that the 95% owner is a Cyprus company Davis Salomon Group LTD.

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  3. Thanks for your research. Lots of alarming information there.

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  4. I don't think I agree with you on the points 3 and 4 about the dangers of Mintos that Mintos is liable to pay the buyback.

    In 10.3 of the agreement it explicitly says that Mintos transfers the funds from the Loan Originator to the Investor in case of the Buyback right is exercised after 60 days. The Loan Originator has the obligation (not a right) to pay the Buyback after 60 days of payment delays (this is the agreement where there is a buyback). So why have you concluded otherwise?

    The sentence in 10.3: "The Loan Originator hereby authorizes Mintos, in case if the Loan Originator’s obligation to exercise its buyback obligations have occurred, to write off from the Loan Originator’s Account and transfer the virtual money equivalent to the buyback price to the Virtual Account of the Assignee immediately, without obtaining prior separate order from the Loan Originator."

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  5. A have a big percentage of my portfolio invested in Mintos and this article scares me. But all of the loans I made in the previous year were with the "Buyback guarantee after 60 days non payment" worked out, and paid back the money. Would something like this be allowed within the EU?

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  25. Hey Guys!!! I got my ATM blank card from Certified Hackers from ITALY. My blank ATM card can withdraw $1,000 to $150,000 daily i know its sounds too good to be true but i am sharing this info because i got this said blank ATM card after i was ripped off by two fake hackers from Nigeria; YES' Its true that scammers are out that ripped me off until i finally got hold of this hackers from ITALY that delivered the card to me after i paid the purchasing fee for the card, now i have more than enough to spend and planning on getting a home for myself soon. This card has been functioning for over a month now and everything seems like magic because I've enough for me & my 2 kids. Thanks to MAJOR SUCCOUR from ITALY that mailed the card to me within 72 hours, get in touch with this hacker to become rich & i bet you no gimmicks!! They are REAL.. Get one from them by reaching out to this email address: dr_williamthomas78@mail.com

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  28. My name is Mrs Ruth, I am a Citizen Of Austria.Have you been looking for a loan? Do you need an urgent personal loan or business loan? contact Mr Carroll Walker Finance Home he help me with a loan of 42,000 Euro some days ago after been scammed of 2,800 Euro from a woman claiming to been a loan lender but i thank God today that i got my loan worth 42,000 Euro. Feel free to contact the company for a genuine financial service. Email:(infoloanfirm8@gmail.com)

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  29. My name is Mrs Ruth , am a Citizen Of Austria.Have you been looking for a loan? Do you need an urgent personal loan or business loan? contact Mr Carroll Walker Finance Home he help me with a loan of 42,000 Euro some days ago after been scammed of 2,800 Euro from a woman claiming to been a loan lender but i thank God today that i got my loan worth 42,000 Euro. Feel free to contact the company for a genuine financial service. Email:(infoloanfirm247@gmail.com)

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  31. GET RICH WITH BLANK ATM
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  33. HOW I GOT MY LOAN FROM THIS GREAT COMPANY CALLED CARROL WALKER LOAN COMPANY

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  34. My name is Mr Christopher Nissan, I am a Citizen Of Netherland. Have you been looking for a loan?Do you need an urgent personal loan or business loan?contact Dr Carrol walker Finance Home he help me with a loan of $42,000 some days ago after been scammed of $2,800 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $42,000. Feel free to contact the company for a genuine financial service. Email:(infoloanfirm8@gmail.com)

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  35. Get A Blank ATM CARD And Cash Good Money/Funds Pay Your Debt directly today in any ATM machine around you anywhere in the world. contact cryptoatmhacker@gmail.com.. It's 100% guaranteed secure with no worries of being caught because the blank card it's already programmed and loaded with good funds in it, in such a way that's not traceable which also have a technique that makes it impossible for the CCTV to detect you, i am not a stupid man that i will come out to the public and start saying what someone have not done. For more info contact Mr john and also on how you are going to get your Card, Order yours today via Email: cryptoatmhacker@gmail.com

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  36. Get A Blank ATM CARD And Cash Good Money/Funds Pay Your Debt directly today in any ATM machine around you anywhere in the world. contact cryptoatmhacker@gmail.com.. It's 100% guaranteed secure with no worries of being caught because the blank card it's already programmed and loaded with good funds in it, in such a way that's not traceable which also have a technique that makes it impossible for the CCTV to detect you, i am not a stupid man that i will come out to the public and start saying what someone have not done. For more info contact Mr john and also on how you are going to get your Card, Order yours today via Email: cryptoatmhacker@gmail.com

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  37. Cool way to have financial freedom!!! Are you tired of living a poor life, here is the opportunity you have been waiting for. Get the new ATM BLANK CARD that can hack any ATM MACHINE and withdraw money from any account. You do not require anybody’s account number before you can use it. Although you and I knows that its illegal,there is no risk using it. It has SPECIAL FEATURES, that makes the machine unable to detect this very card,and its transaction can’t be traced .You can use it anywhere in the world. With this card,you can withdraw nothing less than $4,500 a day. So to get the card,reach the hackers via email address : besthackersworld58@gmail.com or whatsapp him on +1(323)-723-2568

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  38. Get A Blank ATM CARD And Cash Good Money/Funds Pay Your Debt directly today in any ATM machine around you anywhere in the world. contact cryptoatmhacker@gmail.com.. It's 100% guaranteed secure with no worries of being caught because the blank card it's already programmed and loaded with good funds in it, in such a way that's not traceable which also have a technique that makes it impossible for the CCTV to detect you, i am not a stupid man that i will come out to the public and start saying what someone have not done. For more info contact Mr john and also on how you are going to get your Card, Order yours today via Email: cryptoatmhacker@gmail.com

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  39. Get A Blank ATM CARD And Cash Good Money/Funds Pay Your Debt directly today in any ATM machine around you anywhere in the world. contact cryptoatmhacker@gmail.com.. It's 100% guaranteed secure with no worries of being caught because the blank card it's already programmed and loaded with good funds in it, in such a way that's not traceable which also have a technique that makes it impossible for the CCTV to detect you, i am not a stupid man that i will come out to the public and start saying what someone have not done. For more info contact Mr john and also on how you are going to get your Card, Order yours today via Email: cryptoatmhacker@gmail.com

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  41. Cucina Finance (UK) Limited provides personal loans/business loans/trade finance/import & export loans/project loans to companies of all sizes ranging from individuals, companies and trader's globally. Just one simple process, We make financing the growth of your business simple, transparent, and fair.


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  42. Cucina Finance (UK) Limited provides personal loans/business loans/trade finance/import & export loans/project loans to companies of all sizes ranging from individuals, companies and trader's globally. Just one simple process, We make financing the growth of your business simple, transparent, and fair.


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    Flexible repayment schedules
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    Loan Duration from 1 year - 20 years maximum
    Grace period of 12 - 24 months for large business loans/working capital
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    Email: finance@cucinafinance.com
    Tel: +44 (123) 388-5014
    Whatsapp: +44 7425-381661
    Enterprise House, Eureka Business Park,
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    Company Registration No. 02587815

    ReplyDelete
  43. Cucina Finance (UK) Limited provides personal loans/business loans/trade finance/import & export loans/project loans to companies of all sizes ranging from individuals, companies and trader's globally. Just one simple process, We make financing the growth of your business simple, transparent, and fair.


    No jargon, no hidden fees
    Simple approval process
    Fast business loans funded in just 2-3 business days
    Low Interest rate of 2%
    Companies can be profitable or have negative net income
    Prior bankruptcies accepted
    Zero credit checks required
    Individuals with Bad credit can apply
    Flexible repayment schedules
    CIS & KYC required for all loan applicant irrespective of location/country
    Loan Duration from 1 year - 20 years maximum
    Grace period of 12 - 24 months for large business loans/working capital
    Loan Funding/Financing is not limited to any geographical location or country whatsoever


    We build just the right financing for each client, with simple paperwork, quick approvals, and flexible payment schedules. For further details, Kindly contact us via email, telephone, Skype. Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved, Looking forward to rendering the best of our services to all esteemed clientele globally.


    Cucina Finance (UK) Limited
    Website: https://cucinafinance.com
    Email: finance@cucinafinance.com
    Tel: +44 (123) 388-5014
    Whatsapp: +44 7425-381661
    Enterprise House, Eureka Business Park,
    Ashford, Kent, TN25 4AG United Kingdom
    Company Registration No. 02587815

    ReplyDelete

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  46. I want to share my testimony on how i got the blank ATM card. I was so wrecked that my company fired me simply because i did not obliged to their terms, so they hacked into my system and phone and makes it so difficult to get any other job, i did all i could but things kept getting worse by the day that i couldn’t afford my 3 kids fees and pay my bills. I owe so many people trying to borrow money to survive because my old company couldn’t allow me get another job and they did all they could to destroy my life just for declining to be among their evil deeds. haven’t given up i kept searching for job online when i came across the testimony of a lady called Judith regarding how she got the blank ATM card. Due to my present state, i had to get in touch with Hacker called OSCAR WHITE of oscarwhitehackersworld@gmail.com and he told me the procedures and along with the terms which i agreed to abide and i was told that the Blank card will be deliver to me without any further delay and i hold on to his words and to my greatest surprise, i received an ATM card worth $4.5 million USD , All Thanks to OSCAR WHITE , if you are facing any financial problem contact him asap email address is oscarwhitehackersworld@gmail.com or whats-app +1(323)-362-2310

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  47. Do you need an urgent loan today? Are you thinking of clearing debt or you have intentions of starting a new business? We offer loans at low interest of 3% for personal and business purposes! We also offer easy approval and fast transfer as guaranteed by our insurance company. Interested persons should contact Mr Carroll Walker with Email: infoloanfirm8@gmail.com

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  48. email: visacreditcardsolution@gmail.comGET YOUR BLANK ATM CREDIT CARD AT AFFORDABLE PRICE*
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    ReplyDelete
  49. email: visacreditcardsolution@gmail.comGET YOUR BLANK ATM CREDIT CARD AT AFFORDABLE PRICE*
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    ReplyDelete
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  54. My name is Jane Wembli Josh and i live in the USA California and life is worth living right now for me and my family and all this is because of one man sent by GOD to help me and my family, i once had a life filled with sorrow because my first SON needed a kidney transplant and all our savings were going towards his medications and this normally leaves us with no money to pay our bills or even put enough food on our table and our rent was due and no funds to pay these bills and life felt so unfair to me and every night my wife will cry herself to sleep every night until one day, i was browsing through yahoo answers and i saw a striking advert of a man that gives out personal loans and that the offer is opened to all and i have heard so many things about internet scams but at this point of my life, i was very desperate and ready to take any risk and at the end of the day, i applied for this loan and from one step to another, i got my loan within 12 hours through bank transfer and you know, it was all like a dream and i called Rev. Fr. Kevin Doran A Man who is the GOD sent lender i found and said, i have received my loan and he smiled stating that to GOD be the glory and i was so shocked as i have never ever seen anyone with such a GOD fearing and kind heart and today, i am the happiest man on earth because by GOD’S grace, my SON kidney transplant was successful and today he is healthy, i and my family are living very comfortable and happy and if you are in my former situation or in serious and legitimate need of a loan, you can reach this GOD sent lender via consumerloanfirm@gmail.com  

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  56. Hello viewers all over the world, There is good news for you all today get your Blank ATM card that works in all ATM machines all over the world. We have specially programmed ATM cards that can be used to hack ATM machines, the ATM cards can be used to withdraw at the ATM or swipe, at stores and POS. We give out this cards to all interested clients worldwide, We give out THE Blank ATM Card. Do you want to live a good life thought its illegal, its the easiest way to be a millionaire. it also has a technique that makes it impossible for the CCTV to detect you and you can only withdraw a total amount of $5,000 Dollars in a day on ATM Machine also avaialbel at cash delivery. We give up to $10,000.00 to $1,000,000.00 Dollars With our network hacking services. We can Recover all your lost money to Bitcoin and other Crypto currency, mortgage/realestate scams and fake ICOs within 48 hours or less. (Thomas Freddie Hackers) working together as a team to track down & to recover funds back from the most difficult internet SCAMMERS. NOTE!! We've received countless heartbreaking reports of notorious scammers and we’ve successful recovery them back via contact thomasunlimitedhackers@gmail.com

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    ReplyDelete
  59. me and my husband are here to testify about how we use Oscar White black ATM card to make money and also have our own business today. Go get your blank ATM card today and be among the lucky ones. This PROGRAMMED blank ATM card is capable of hacking into any ATM machine,anywhere in the world.It has really changed our life for good and now we can say we are rich and we can never be poor again. You can withdraw the maximum of $5,000 daily and $140,000 a month, We can proudly say our business is doing fine and we have up to $20,000 000 (20 millions dollars in our account) Is not illegal,there is no risk of being caught ,because it has been programmed in such a way that it is not traceable,it also has a technique that makes it impossible for the CCTV to detect you..For details and cost on how to get yours today, email the hackers on : oscarwhitehackersworld@gmail.com ,Text & Call or Whats-app: +1(209)-643-1515

    ReplyDelete
  60. I am very happy, I'm a living testimony. I got my blank ATM card last week from Jim Lee hackers. At first when I was in doubt. Then I decided to give it a trial and to my surprise the card was delivered, I went testing it on the ATM machine. I was shocked when I used it to withdraw $1500 and now I have withdrawn $20,000 in total. The card is real, I'm so happy thank you Jim Lee hackers. If interested you can email: jimleehacker07@gmail.com

    ReplyDelete
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    ReplyDelete
  62. Assalamualaikum
    Data pribadi
    Negara: Indonesia
    Nama: Wahyu Sapto Handoko
    Email: wahyusaptohandoko256@gmail.com
    Alamat: Jl. Sukarela rt.02 / 05 Paninggilan, Ciledug, Tangerang
    Sudah empat tahun sekarang saya telah memberikan kesaksian tentang bagaimana saya meminjam Rp1,2 miliar dari ibu Helen dan beberapa orang meragukan saya karena tingkat penipuan online. Ibu Helen Wilson telah memberi saya satu hal lagi untuk tersenyum karena setelah menyelesaikan angsuran pinjaman bulanan yang saya pinjam sebelumnya, saya memohon kepada Ibu Helen bahwa saya ingin pergi untuk ekspansi bisnis lebih lanjut sehingga saya meminta tambahan Rp3,7 miliar setelah melalui saya proses hukum. pinjaman itu disetujui oleh manajemen mereka dan saya menerima pinjaman saya dalam waktu kurang dari 48 jam di rekening bank BRI saya. Saya tidak memiliki tantangan dengan bank karena Mrs. Helen Wilson dan tim manajemen pinjaman WEMA Finance telah dianggap sebagai pemberi pinjaman yang sah baik di Amerika Serikat, MALAYSIA, INDONESIA dan Rumania, sehingga tidak ada masalah sama sekali.
    Untuk pinjaman apa pun, saya sangat merekomendasikan Ibu Helen Wilson hari ini dan selalu
    Email: (helenwilson719@gmail.com)

    WA: +1-585-326-2165

    Waalaikumsalam Warahmatullahi Wabarakatuh

    ReplyDelete
  63. Salam kepada semua warga negara Indonesia, nama saya Yeyes Ristintares tolong, saya ingin membagikan kesaksian hidup saya di sini di platform ini agar semua warga negara Indonesia berhati-hati dengan pemberi pinjaman di internet, Allah benar-benar meandukung saya melalui kebaikan Ibu Ny. Helen Wilson. Setelah beberapa periode mencoba untuk mendapatkan pinjaman dari lembaga keuangan, dan ditolak, jadi saya memutuskan untuk mendaftar melalui pinjaman online tetapi saya ditipu dan saya kehilangan lebih dari 32 juta Rupiah dengan pemberi pinjaman yang berbeda setelah membayar beberapa biaya dan tidak mendapatkan pinjaman. Saya menjadi sangat putus asa dalam mendapatkan pinjaman, jadi saya berdiskusi dengan seorang teman saya yang kemudian memperkenalkan saya kepada Ny. Helen Wilson, pemberi pinjaman di perusahaan, jadi teman saya meminta saya untuk melamar dari ibu Helen, jadi saya memanggil keberanian dan menghubungi Ibu Helen.

    Saya mengajukan pinjaman 900 juta dengan tingkat bunga 2%, sehingga pinjaman itu disetujui tanpa tekanan dan semua pengaturan dibuat pada transfer kredit, karena fakta bahwa itu tidak memerlukan jaminan dan jaminan untuk pinjaman transfer saya hanya diberitahu untuk mendapatkan sertifikat perjanjian lisensi aplikasi mereka untuk mentransfer kredit saya dan dalam waktu kurang dari 48 jam uang pinjaman telah disetorkan ke rekening bank saya.

    Saya pikir itu lelucon sampai saya menerima telepon dari bank saya bahwa akun saya dikreditkan dengan jumlah 900 juta. Saya sangat senang bahwa Allah akhirnya menjawab doa saya dengan memesan pinjaman saya dengan pinjaman asli saya, yang memberi saya keinginan hati saya. mereka juga memiliki tim ahli yang akan memberi tahu Anda tentang jenis bisnis yang ingin Anda investasikan dan cara menginvestasikan uang Anda, sehingga Anda tidak akan pernah bangkrut lagi dalam hidup Anda. Semoga ALLAH memberkati Ny. Helen Wilson untuk membuat hidup saya mudah, jadi saya menyarankan siapa pun yang tertarik mendapatkan pinjaman untuk menghubungi Ny. Helen melalui email: (helenwilson719@gmail.com) atau Whatsapp: +1-585-326-2165 untuk Anda pinjaman

    Ada perusahaan palsu lain yang menggunakan kesaksian saya secara online untuk mencapai keinginan egois mereka, saya satu-satunya dengan kesaksian yang benar ini, harap berhati-hati terhadap orang-orang ini. Akhirnya saya ingin berterima kasih kepada Anda semua karena telah meluangkan waktu untuk membaca kesaksian sejati hidup saya tentang kesuksesan saya dan saya berdoa Allah akan melakukan kehendak-Nya dalam hidup Anda. Sekali lagi nama saya Yeyes Ristintares, Anda dapat menghubungi saya untuk informasi lebih lanjut melalui email saya: yristintares@gmail.com

    ReplyDelete
  64. Assalamualaikum
    Data pribadi
    Negara: Indonesia
    Nama: Wahyu Sapto Handoko
    Email: wahyusaptohandoko256@gmail.com
    Alamat: Jl. Sukarela rt.02 / 05 Paninggilan, Ciledug, Tangerang
    Sudah empat tahun sekarang saya telah memberikan kesaksian tentang bagaimana saya meminjam Rp1,2 miliar dari ibu Helen dan beberapa orang meragukan saya karena tingkat penipuan online. Ibu Helen Wilson telah memberi saya satu hal lagi untuk tersenyum karena setelah menyelesaikan angsuran pinjaman bulanan yang saya pinjam sebelumnya, saya memohon kepada Ibu Helen bahwa saya ingin pergi untuk ekspansi bisnis lebih lanjut sehingga saya meminta tambahan Rp3,7 miliar setelah melalui saya proses hukum. pinjaman itu disetujui oleh manajemen mereka dan saya menerima pinjaman saya dalam waktu kurang dari 48 jam di rekening bank BRI saya. Saya tidak memiliki tantangan dengan bank karena Mrs. Helen Wilson dan tim manajemen pinjaman WEMA Finance telah dianggap sebagai pemberi pinjaman yang sah baik di Amerika Serikat, MALAYSIA, INDONESIA dan Rumania, sehingga tidak ada masalah sama sekali.
    Untuk pinjaman apa pun, saya sangat merekomendasikan Ibu Helen Wilson hari ini dan selalu
    Email: (helenwilson719@gmail.com)

    WA: +1-585-326-2165

    Waalaikumsalam Warahmatullahi Wabarakatuh

    ReplyDelete
  65. Assalamualaikum
    Nama saya Sri Muji Astuti. Saya seorang pemilik bisnis yang menjual kosmetik dan pakaian. Untuk sementara, saya telah mencari pemberi pinjaman pinjaman yang dapat saya pinjam untuk menumbuhkan bisnis saya dan juga menciptakan lapangan kerja bagi orang lain. Pengalaman pertama saya dengan pemberi pinjaman internet sangat buruk dan saya kehilangan jumlah 24 juta karena saya mengajukan 800 juta untuk meningkatkan bisnis saya. Setelah pengalaman saya, saya berjanji pada diri sendiri bahwa saya tidak akan pernah meminjam dari internet karena saya ditipu.

    Jadi, suatu hari saya dengan setia membaca artikel di blog dan setelah saya selesai membaca, saya pergi untuk memeriksa bagian komentar untuk mengetahui pendapat mereka. Saya melihat komentar oleh Yeyes Ristintares, seorang wanita bisnis besar dan dia berbagi cerita tentang bagaimana dia meminjam pinjaman besar dari perusahaan tempat Ms. Helen Wilson bekerja.

    Kemudian, saya memutuskan untuk menghubungi Yeyes Ristintares dan saya menceritakan kisah saya kepadanya tentang bagaimana saya kehilangan 24 juta dari pemberi pinjaman yang buruk. Saya masih ingat dengan jelas bagaimana dia memberi tahu saya bahwa semua pencarian saya untuk pemberi pinjaman yang andal sudah berakhir. Dia mengirimi saya emailnya dan saya mengiriminya email untuk memastikan karena saya tidak ingin kehilangan uang lagi. dia membalas saya dan mengatakan saya harus menghubungi perincian perusahaan tempat Ny. Helen Wilson bekerja dan saya akan menerima pinjaman saya tanpa penundaan dan saya harus mencoba untuk membagikan kabar baik saya sehingga orang lain selamat dari pemberi pinjaman yang buruk.

    Jadi saya menghubungi Ny. Helen Wilson melalui email: (helenwilson719@gmail.com) dan dengan nomor WA-nya: +1-585-326-2165. Ini adalah email Yeyes Ristintares: (yristintares@gmail.com) yang saya hubungi.
    Setelah saya menghubungi perusahaan pinjaman, saya diminta untuk menyerahkan segala sesuatu yang diminta dari saya sebagai peminjam dan setelah beberapa saat, pinjaman itu disetujui untuk saya dan saya menerima pinjaman saya tanpa penundaan atau segala bentuk tekanan.
    jadi, saya menambahkan informasi pribadi saya kepada siapa saja yang mencari pemberi pinjaman yang dapat dipercaya untuk menghubungi saya dan saya siap membantu Anda karena saya ingin orang lain diselamatkan dari pemberi pinjaman yang buruk. Hubungi saya melalui email saya: srimujiastuti93@gmail.com

    Saya berdoa agar ALLAH akan memberikan mereka yang membutuhkan pinjaman untuk melihat kisah saya sehingga mereka dapat diselamatkan seperti saya. Saya selalu siap memberikan bantuan kepada siapa saja yang membutuhkannya, jadi jangan ragu untuk menghubungi saya kapan saja karena saya tidak membuat orang saya jatuh ke tangan pencuri.

    ReplyDelete
  66. BAGAIMANA SAYA MENDAPAT PINJAMAN SAYA DARI PERUSAHAAN BESAR INI

    Halo teman-teman sekalian, saya Kuwat Wibawa, saat ini tinggal di Surabaya. Saat ini saya seorang janda dengan tiga anak dan saya terjebak dalam situasi keuangan pada April 2020 dan saya perlu membiayai kembali. bayar tagihan saya dan perbesar bisnis. Saya mencoba mencari pinjaman dari berbagai perusahaan pinjaman baik swasta maupun perusahaan tetapi tidak pernah berhasil, dan sebagian besar bank menolak kredit saya, jangan menjadi mangsa para penjahat di luar sana yang menyebut diri mereka pemberi pinjaman uang, mereka semua scam, yang mereka inginkan hanyalah uang Anda dan Anda tidak akan mendengar kabar dari mereka lagi mereka telah melakukannya kepada saya lebih dari dua kali sebelum saya bertemu dengan Nyonya Helen Wilson. Setelah ditipu sebesar Rp 16 juta oleh para scammer, saya semakin terlilit hutang dan saya menjadi sangat putus asa untuk mendapatkan pinjaman.

    Jadi saya berdiskusi dengan teman saya Asmaul, dia adalah seorang Perawat dan memiliki pengalaman serupa. Dia kemudian memperkenalkan saya kepada Ny. Helen Wilson, pemberi pinjaman di perusahaan tersebut. Teman saya meminta saya untuk melamar dari ibu Helen, saya memberanikan diri dan menghubungi Bu Helen, mengisi formulir aplikasi pinjaman. Semuanya berjalan lancar dan yang paling menarik adalah pinjaman saya ditransfer kepada saya dalam waktu 24 jam jadi saya akan menyarankan Anda untuk menghubungi Ibu Helen jika Anda tertarik untuk mendapatkan pinjaman dan Anda yakin dapat membayar kembali. hubungi dia melalui email ……… (helenwilson719@gmail.com) atau melalui WhatsApp; +1-585-326-2165. Tidak ada pemeriksaan kredit, tidak ada cosigner dengan hanya suku bunga 2% dan rencana pembayaran kembali yang lebih baik dan jadwal jika Anda harus menghubungi perusahaan mana pun dengan referensi untuk mendapatkan pinjaman tanpa agunan kemudian hubungi Ny. Helen Wilson hari ini untuk pinjaman pasti Anda, dijamin 100%.

    Mereka menawarkan semua jenis kategori pinjaman mereka

    Pinjaman jangka pendek (5_10 tahun)
    Pinjaman jangka panjang (20_40)
    Pinjaman berjangka media (10_20)
    Mereka menawarkan pinjaman seperti
    Pinjaman perumahan ............., Pinjaman usaha ........ Pinjaman mobil .......
    Pinjaman pelajar .........., Pinjaman awal .......
    Pinjaman Real Estat ......., Pinjaman Perusahaan ....... dll
    Email .......... helenwilson719@gmail.com
    WA: +1-585-326-2165
    Ketika datang ke krisis keuangan dan pinjaman maka Helen Wilson keuangan adalah tempat untuk pergi tolong katakan padanya saya Tuan Kuwat Wibawa mengarahkan Anda dan Anda juga dapat menghubungi saya melalui email saya (kuwatwibawa1@gmail.com)

    ReplyDelete
  67. Nama saya Asmaul Khusnuliyah, saya ingin membagikan kesaksian hidup saya yang sebenarnya di sini di platform ini agar semua pencari pinjaman berhati-hati dengan pemberi pinjaman di internet

    Setelah beberapa lama mencoba mendapatkan pinjaman dari lembaga keuangan, dan terus ditolak, saya memutuskan untuk mengajukan pinjaman online tetapi saya ditipu dan kehilangan Rp. 12,3 juta untuk seorang pria di Afrika. Saya menjadi sangat putus asa dalam mendapatkan pinjaman, maka saya berdiskusi dengan teman saya Bu Mitu Maria yang kemudian memperkenalkan saya dengan Ibu Helen Wilson, Manajer Kantor Keuangan WEMA, sehingga teman saya meminta saya untuk memproses pinjaman saya dengan Ibu Sarah. Maka saya menghubungi Bu Sarah melalui email: helenwilson719@gmail.com dan juga di WhatsApp: +1-585-326-2165

    Saya mengajukan pinjaman sebesar Rp640 juta dengan tingkat bunga 2%, sehingga pinjaman tersebut disetujui dengan mudah tanpa tekanan dan semua persiapan dilakukan dengan transfer kredit, karena tidak memerlukan jaminan dan penjamin untuk pengalihan pinjaman tersebut, Saya diberitahu untuk mendapatkan sertifikat perjanjian lisensi untuk mentransfer kredit saya dan dalam waktu kurang dari 4 jam, uang pinjaman saya dimasukkan ke rekening bank saya.

    Saya kira itu bercanda sampai saya menerima telepon dari bank saya bahwa rekening saya sudah dikreditkan Rp640 juta. Saya sangat senang akhirnya ALLAH menjawab doa-doa saya dan Dia telah memberikan saya keinginan hati saya.

    Semoga ALLAH memberkati Bu Helen yang telah memberi saya kehidupan yang adil, maka saya berpesan kepada siapapun yang berminat mendapatkan pinjaman untuk menghubungi Bu HELEN WILSON via email: (helenwilson719@gmail.com) dan WhatsApp: +1-585-326-2165 untuk pinjaman Anda

    Akhirnya, saya ingin mengucapkan terima kasih kepada Anda semua karena telah meluangkan waktu untuk membaca kesaksian sejati hidup saya tentang kesuksesan saya dan saya berdoa kepada ALLAH untuk melakukan kehendak-Nya dalam hidup Anda. Anda dapat menghubungi saya untuk informasi lebih lanjut melalui email saya: (asmaulkhusnuliyah1@gmail.com)
    Salam pembuka

    ReplyDelete
  68. Salam Semua.
    Saya Edi Sugiarto dari Yogyakarta, Allah telah dikaruniai dua orang anak dan Istri tercinta Linda Fitriawati, saya ingin membagikan kesaksian saya karena ALLAH mencintai saya. Setahun yang lalu saya sangat membutuhkan uang jadi saya berpikir untuk mengambil pinjaman. Kemudian saya bertemu seseorang, orang yang salah mengaku sebagai pemberi pinjaman, dan tidak tahu bahwa itu semua adalah penipuan. Saya ditipu seharga 27 juta Rupiah, dan mereka menolak untuk mentransfer pinjaman saya kepada saya, mereka juga berhenti mengirimi saya email sejak itu. Saya menjadi bingung, seluruh hidup saya hilang. Istri saya jatuh sakit dan ada tagihan rumah sakit yang harus dibayar jutaan, yang saya pikirkan saat ini hanya bunuh diri, teman saya bernama Santoso datang menemui saya pada hari yang naas itu, dia juga menjadi korban penipuan, dia memberi tahu saya tentang konferensi yang diselenggarakan oleh Ibu Wahyu Handoko untuk memberdayakan perempuan dan laki-laki yang ingin membuat kekayaan, dia meminta kakaknya untuk membantu saya mengurus istri dan anak-anak saya, jadi kami pergi untuk konferensi. Setelah semua motivasi berbicara, dia bertanya kepada kami pertanyaan "Apakah Anda Siap Untuk Apa yang Diperlukan Untuk Menjadi Kaya" dengan berani di jemaat kecil itu, saya berdiri dan berkata "YA" dan kami semua diminta untuk datang keesokan harinya dengan rencana bisnis .

    Kami pergi dan dia berbicara tentang bagaimana dia mendapatkan pinjamannya dan koneksinya melalui HELEN WILSON yang hebat, Pemberi Pinjaman online, segera saya takut, teman saya mendorong dan kami menghubungi Ibu Helen Wilson, seperti yang diarahkan oleh Wahyu Handoko dari konferensi. Saya dan teman saya mulai memproses sementara Pak Wahyu telah kembali, beberapa hari kemudian saya menerima telepon dari teman saya yang memberi tahu saya bahwa dia menerima peringatan dari bank, pinjamannya telah dilunasi, sudah terlambat sehingga saya tidak bisa pergi ke bank saya untuk konfirmasi, paginya pemberitahuan datang, akhirnya saya mendapat pinjaman sebesar 720 juta Rupiah dari Helen Wilson, setelah mengikuti proses hukum. kami diberi arahan untuk menyerahkan rencana bisnis kami dan meninggalkan uang di bank selama seminggu, kemudian Pak Handoko menelepon meminta kami untuk bertemu lagi yang kami patuhi, kami tiba di tempat itu dan melihat dampak orang asing terhadap perdagangan dan investasi, kami diberi kuliah dan kontak untuk mulai berinvestasi, dalam enam bulan melalui koneksi ibu Helen saya mulai mengimpor dan hari ini saya dan istri saya telah mendirikan dua perusahaan besar.

    Saya ingin Anda semua tahu bahwa satu-satunya pemberi pinjaman sejati yang saya saksikan adalah Ms. HELEN WILSON, hubungi dia hari ini dan Anda akan mendapatkan perubahan positif dalam hidup Anda, ini email helenwilson719@gmail.com. Anda dapat menghubungi saya di email saya sugiartoe385@gmail.com, untuk konfirmasi. Perhatikan, ada banyak pemberi pinjaman palsu online untuk menipu Anda, merobek Anda dari uang hasil jerih payah Anda, harus dari mereka pergi sejauh menyiapkan situs web pribadi mereka hanya untuk menipu Anda, pinjaman yang mengarahkan Anda untuk mengunjungi situs web palsu, mereka semua scammers .

    Jadi hubungi perusahaan induk Helen sekarang dan pinjaman Anda akan ditransfer kepada Anda saat Anda mengikuti proses hukum, sekali lagi ini adalah emailnya (helenwilson719@gmail.com) dan WA-nya: +1-585-326-2165 . ALLAH melihat hatiku dan dia tahu aku mengatakan yang sebenarnya dan tidak ada yang lain selain kebenaran.

    ReplyDelete
  69. Halo semuanya, saya ingin segera menggunakan media ini untuk membagikan kesaksian saya tentang bagaimana ALLAH mengarahkan saya kepada pemberi pinjaman sejati yang benar-benar mengubah hidup saya dari kemiskinan menjadi wanita kaya dan sekarang saya memiliki hidup yang sehat tanpa stres dan kesulitan keuangan,

    Setelah berbulan-bulan mencoba mendapatkan pinjaman di internet dan saya ditipu 32 juta, dari dua pemberi pinjaman yang berbeda. Saya melamar karena saya membutuhkan pinjaman untuk meningkatkan bisnis saya. Saya menjadi sangat putus asa untuk mendapatkan pinjaman dari pemberi pinjaman online yang sah dan itu tidak akan merugikan saya, jadi saya memutuskan untuk meminta nasihat dari teman saya. tentang cara melakukannya, mendapatkan pinjaman online, kami membicarakannya dan dia mengarahkan saya ke seorang wanita bernama Nyonya Helen Wilson.

    Saya mengajukan pinjaman (Rp780 juta) dengan suku bunga rendah 2%, sekitar beberapa menit kemudian, saya mendapat tanggapan darinya dan mulai. Pinjaman tersebut disetujui tanpa tekanan dan semua persiapan darinya dilakukan dengan transfer kredit, karena tidak memerlukan agunan untuk transfer tersebut. Dalam peminjaman, saya hanya diberitahu untuk mendapatkan sertifikat perjanjian lisensi mereka untuk mentransfer kredit saya dan dalam waktu kurang dari 4 jam uang itu disimpan ke rekening bank saya.

    Saya pikir itu mimpi sampai saya mendapat notifikasi dari bank saya bahwa rekening saya telah dikreditkan dengan jumlah Rp 780 juta. Saya sangat senang akhirnya ALLAH menjawab doa saya dengan menginstruksikan pemberi pinjaman saya dengan kredit nyata, yang dapat memberikan keinginan hati saya.

    Terima kasih banyak kepada Helen Wilson karena membuat hidup saya adil. Saya menyarankan siapa pun yang tertarik untuk mendapatkan pinjaman online untuk berhati-hati terhadap penipu pinjaman karena ada banyak di internet. Jika ada yang membutuhkan pinjaman, hubungi Nyonya Helen Wilson melalui E-mail (helenwilson719@gmail.com) ATAU melalui whatsApp: WA: +1-585-326-2165. untuk informasi lebih lanjut tentang cara mendapatkan pinjaman Anda,

    E-mail (helenwilson719@gmail.com) ATAU WhatsApp: +1-585-326-2165


    Terima kasih banyak telah meluangkan waktu Anda untuk membaca Kesaksian saya dan saya harap ini memandu Anda ke arah yang lebih baik jika Anda mencari pinjaman online dan saya berdoa semoga Tuhan akan melakukan kehendak-Nya dalam hidup Anda. Nama saya Sri Heryani Anda dapat menghubungi saya untuk referensi lebih lanjut melalui email saya: (sriheryani095@gmail.com)
    Terima kasih untuk kalian semua.

    ReplyDelete
  70. Salam untuk kalian semua. Nama saya Agus Santoso, saya ingin menggunakan media ini untuk mengingatkan para pencari pinjaman agar berhati-hati, karena banyak sekali penipuan di mana-mana, mereka akan mengirimkan dokumen perjanjian palsu kepada Anda dan berjanji ini dan itu, para penganggur, saya sarankan Anda semua memiliki untuk berhati-hati

    Beberapa bulan yang lalu, saya mengalami kesulitan keuangan dan sangat membutuhkan pinjaman untuk mendapatkan kembali bisnis saya, saya mengajukan pinjaman 250 juta. Saya tertipu oleh beberapa pemberi pinjaman online. Saya mengalami lebih banyak kesulitan keuangan karena saya meminjam untuk membayar sebagian biaya setelah menghabiskan dana saya. Saya hampir kehilangan harapan sampai ALLAH menggunakan teman saya untuk merujuk saya ke pemberi pinjaman yang sangat andal bernama Helen Wilson, seorang ibu yang luar biasa, yang meminjamkan saya pinjaman 250 juta tanpa jaminan dalam waktu 24 jam tanpa tekanan pada tingkat bunga 2%.

    Saya terkejut ketika saya memeriksa saldo rekening bank saya dan menemukan bahwa jumlah yang saya ajukan telah dicairkan langsung ke rekening bank saya tanpa penundaan.

    Karena saya berjanji akan membagikan kabar baik agar masyarakat bisa mendapatkan pinjaman dengan mudah tanpa stres. Jadi jika Anda membutuhkan pinjaman, silakan hubungi ibu yang baik melalui email: helenwilson719@gmail.com

    dan dengan rahmat Allah dia tidak akan mengecewakan. jika Anda mematuhi perintah-perintahnya.

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    Nama saya Agus Santoso
    Pinjaman saya 250 juta
    KEUANGAN WEMA
    email: helenwilson719@gmail.com
    WA: +1-585-326-2165

    Waalaikumsalam Warahmatullahi Wabarakatuh

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