FONAR IMO 2020

IMO Sulphur 2020 has been the keyword for the year 2019.

Rightly so. After all, the deadline for switching over to the low sulphur fuel was fast approaching.

In layman’s terms, after 01st Jan 2020, all vessels need to use fuel with sulphur content less than 0.50% m/m.

By this time, most shipowners already have a strategy in place to comply with this regulation that came in effect from 01st Jan 2020.

The strategy would most likely be among one of the following

  • Supply low sulphur fuel
  • Install the exhaust gas cleaning system (Called Scrubbers)
  • Change over to alternate fuels like LNG

imo 2020 alternatives for compliance

Each option has its own merits and demerits which I have discussed in another blog on IMO Sulphur 2020.

But the shipowner’s and ship manager’s challenges do not end with the choice of the above options.

There are more challenges ahead, beyond 01st Jan 2020.

Challenges beyond 01st Jan 2020

The biggest challenge that all stakeholders may face is the availability of low sulphur fuel.

I am not talking about a few ports which would not have the infrastructure in place to supply low sulphur fuel.

Shipowners and managers can take care of that.

When the shipowners know about these ports they would make arrangements for bunkering at a different port in advance where low sulphur fuel will be available.

I am talking about last-minute changes.

Let us say a ship is scheduled to receive low sulphur fuel at a port.

And when the vessel arrives or is about to arrive at the bunkering port, the bunker supplier informs that the low sulphur fuel is not available.

The ship does not have a sufficient quantity of fuel onboard to reach a port where low sulphur fuel is available.

Or the diversion is way too much for the alternative port of fuel supply.

Shipowners would be in a fix.

It is not that I am the inventor of the above situation.

IMO has assessed this situation and put the measures in place to address this situation.

The measure to address this situation is Fuel Oil non Availability Report (FONAR).

FONAR comes to the rescue

FONAR stands for Fuel oil Non Availability Report.

Fuel Oil Non Availability Report

In case the compliant fuel is not available, the vessel is not required to unduly delay or deviate from the intended voyage.

The vessel can arrive at the port with non-compliant fuel provided that the vessel and vessel managers have made all the efforts to receive the compliant fuel.

FONAR is a report that lists all the details of the voyage and efforts made by the ship operator to get the compliant fuel.

Each port state may have its own format for the FONAR but all would more or less contain the same information.

Here is one of the FONAR format.

FONAR is not an easy way out

We might think that life would be easy with FONAR.

We try to get compliant fuel, we do not get it and we receive high sulphur fuel and send the FONAR to the port state of the next port and that is it.

No, it isn’t that easy.

Sending the FONAR does not mean that we are allowed to use the high sulphur fuel.

It is completely up to the discretion of the port state

  • if the vessel can be allowed to use non-compliant fuel
  • If the vessel will be fined for use of non-compliant fuel

FONAR simply helps the port state to make that decision.

If the port state is completely satisfied with the efforts made by ship operators as described in the FONAR, the ship may be allowed to use non-compliant fuel without any penalty to the vessel.

If not, the port state may allow use with the penalty to the vessel which would depend upon the seriousness of the non-compliance.

It is entirely up to the port state to decide about the extent of the penalty.

That makes the FONAR so much important.

FONAR is an expensive tool

FONAR is considered to be an expensive tool shipowner should avoid.

There is a reason for that.

It is not about the penalty alone.

Some port states may accept the FONAR and impose no penalty at all.

But if the compliant fuel is available at the port of arrival, they may want the vessel to debunker the non-compliant fuel and bunker the required fuel.

This may require not only de-bunkering but also cleaning of the tank before compliant fuel can be bunkered.

Singapore is one such port where even when FONAR is accepted, it would be required to offload the non-compliant bunker and take compliant bunker.

This process could involve thousands of dollars and days of off-hire for the vessel.

So the best possible way is to avoid being in a situation where the use of FONAR would be required.

To be able to do that each stakeholder needs to take some kind of responsibility to achieve that.

Responsibilities of Master, chief engineer, and the ship

Master, chief engineer, and ship staff play an important role under FONAR.

Their role is that of proactive planning.

This includes

  • Do not wait for the commercial operator to ask you about bunkers. Remind them instead well in time.
  • Maximizing the bunkers in such a way that the vessel is not short of low sulphur bunkers for the entire voyage
  • Proactively calculating the quantity of bunkers to receive at each bunkering port so that the vessel is not short of low sulphur bunkers at any time.

Let us cover this in detail.

Constant reminders about the bunkering activity

Even though bunkering is primarily the responsibility of the vessel’s commercial operator, it does not stop us from timely remind them.

Time is an important factor for the successful consideration of FONAR.

For example, if the communication between vessel and vessel operator regarding bunkering started just a couple of days before arrival the bunkering port, there could be no valid excuse for the non-availability of the fuel at the bunkering port.

And in this case, we can expect the port state to reject the reason for submitting the FONAR.

So the first responsibility of the vessel is to remind the vessel’s commercial operator regarding the bunkering at the next bunkering port.

Maximizing the bunkers

If a vessel is to load maximum bunkers, plan to receive maximum bunkers as per the company’s allowed limit.

If the company permits loading 95% of the bunker tank capacity, do not unnecessarily reduce the quantity to receive say up to 85% just because you do not want to trouble yourself to load 95% of the capacity.

For example, if the vessel has to submit FONAR because the vessel is short of 10-20 MT of low sulphur bunkers, FONAR could be rejected because of vessel short-loaded bunkers at last bunkering port.

Proactive bunker calculation

Loading maximum bunkers is not always a great idea.

We also need to consider to have at least one tank empty before arrival bunkering port with other bunker tanks close to full.

Let us understand this with an example.

A Vessel has 3 bunker tanks with capacities 500 MT, 450 MT, and 400 MT.

Vessel to receive bunkers at Fujairah with another bunkering option enroute in Singapore.

Vessel departs Fujairah with all bunker tanks full. Bunker consumption from Fujairah to Singapore will be about 300 MT.

On Arrival Singapore the vessel will have 500MT, 450 MT and 100 MT in the bunker tanks with no option to receive bunkers in Singapore.

Departure Singapore bunker onboard would be 1050 MT.

If the vessel had received 100 MT less bunkers at Fujairah, we would have one tank empty on arrival Singapore.

In this case, the vessel could have received 400 MT of bunkers in Singapore.

Bunkers onboard on departure Singapore would be 1350 MT instead of 1050 MT.

If after all the efforts, the ship has to receive non-compliant fuel, then it is the master’s responsibility to send the FONAR to its flag state and port state of their next port of call.

If this is sent by the company on the master’s behalf, the mast must ask the company to keep his email in copy or should ask for the email and FONAR report sent.

Responsibilities of Commercial Operator

With IMO 2020 the responsibilities of the commercial operators are going to increase.

Earlier the responsibility of the commercial operator was to get the fuel for the vessel.

Now apart from this, the commercial operator needs to make sure that not just the fuel but compliant fuel is received by the vessel.

This is because earlier fuel with more than 3.5% sulphur (non-compliant fuel) was not available globally.

But now even though the global sulphur limit is reduced to less than 1%, fuel with up to 3.5% sulphur content would still be available for supply to the ships using scrubber technology.

With respect to FONAR, having a contract with one fuel supplier is not considered to be a valid reason for the non-availability of the fuel.

For example, let us say the commercial operator of the vessel has a contract with one fuel supplier in Singapore.

This supplier was unable to provide the compliant fuel to the vessel for some reason.

In this case, it is the responsibility of the commercial operator to enquire with other suppliers in the port for the supply of compliant fuel.

This may be a little expensive option but if this is not done and vessel arrives at a port with non-compliant fuel and submits FONAR, it is most likely that the reason mentioned in FONAR for non-availability will not be accepted by the port state.

Responsibilities of Port state

There are two major responsibilities of port states with respect to FONAR.

First, they have to decide on the validity of the evidence presented in the FONAR by the vessel.

According to their judgment, they have to decide on the action required to deal with non-compliance.

Even though Marpol annex VI, regulation 18.2.3 urges the port states to not take any control measures if actions in FONAR are found to be appropriate.

REG 18 Annex VI MARPOL FONAR

However, it is absolutely the port state’s discretion on what action they take.

The second responsibility of the port states is to notify IMO when any vessel has submitted FONAR.

IMO assesses the situation of fuel availability based on the FONARs that it receives.

Conclusion

The best way to use FONAR to our advantage is to never arrive in a situation that warrants the use of FONAR.

Everyone from the ship’s staff to the voyage manager and commercial operator plays an important part in achieving that.

And it is by being proactive to the extent that the vessel never is short of compliant fuel.

But sometimes situations are not our favor and we must bunker non-compliant fuel.

In this case, the master must fill the FONAR in a discussion with the company and commercial operator.

Master then must send the FONAR to the port state of next port and to the flag state of the vessel.

The important factor in the acceptance of the FONAR is if the vessel had made all the efforts to get the compliant fuel.

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Capt Rajeev Jassal

About Capt Rajeev Jassal

Capt. Rajeev Jassal has sailed for over 20 years mainly on crude oil, product and chemical tankers. He holds MBA in shipping & Logistics degree from London. He has done extensive research on quantitatively measuring Safety culture onboard and safety climate ashore which he believes is the most important element for safer shipping.

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80 Comments

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Ilyas
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It is always a pleasure to read your articles Cpt. We wait for a new topic for along time .Thank you for your efforts sir ...

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????ARE YOU ABSOLUTELY IN NEED OF THE SERVICES OF A PROFESSIONAL HACKER?(CATCHING A CHEATING SPOUSE[Phone Hack], RECOVERY OF LOST FUNDS, CREDIT SCORE UPGRADE, WEBSITE HACK...) High prolific information and Priviledges comes rare as i would be sharing with you magnificent insight you wish you heard years before now. As it's been understood that what people don't see, they will never know. When you wonder “which hacking company should I hire, the first aspect that should concern you is quality. Clearly, you want to embark for services that povides swift response, Thanks to our talented and Astonish Hackers , you are rest assured that your expectations will always be met. You’ll be glad to find out that our services Implies precisions and actions. This post is definitely for those who are willing to turn their lives around for the better, either financial-wise, relationship-wise or businesses. Welcome to the Global KOS hacking agency where every request on hacking related issues are met within a short period of time. If your shoe fits in any of the required services below, you will be assigned to a designated professional hacker who is systematically known for operating on a dark web V-link protocol. The manual Operation of this hackers is to potentially deploy a distinguished hacking techniques to penetrating computers and various type of database system to meet your request. Penetration of computing systems are achieved using core software tools like Ransomeware, SQL/Keylogger injection. botnet, trojan and DDOS attacks. Providing value added services to clients as a hacker has been our sustaining goal. Are you faced with cyber challenges like ????Recovery of lost funds:✅It saddens our mind when client expresses annoyance or dissatisfaction of unethical behaviours of scammers. We have striven to make tenacious efforts to help those who are victims of this flees get off their traumatic feeling of loss. The cyber security technique used to retrieving back the victims stolen funds is the application of a diverse intercall XX breacher software enables you track the data location of a scammer. Extracting every informations on the con database, every requested information required by the Global KOS would be used to tracking every transaction, time and location of the scammer using this systematic courier tracking base method. ???? Hacking into the mobile phone of a cheating spouse.✅ This type of hack helps you track every movement of your cheater as we are bent on helping you gain full remote access into the cheater's mobile phone using a Trojan breach cracking system to penetrate their social media platforms like Facebook, whatsapp, snapchat etc. This spy processing is used via an HDSI folder which synchronizes the target mobile operating system into a clone S-Drive unit. ????Credit Score Upgrade:✅Due to our transformed changes on Equifax tracking , upgrading of credit score are backed by our cyber tech breaching licence, This hacking process drastically generates you an undestructive higher credit score which correlates to a higher level of creditworthiness. The time frame for upgrading a credit score requires eighteen(18) hours ????️ BITCOIN GENERATOR:✅ (Higher job profile). This involves using the ANTPOOL Sysytem drifting a specialized hardware and software implementing tool in slot even-algorithms to incentivize more coins into your wallet which in turn generates more coins exponentially like a dream at specified intervals. The company is large enough to provide comprehensive range of services such as. • Email hacks???? • Hacking of websites.???? • Uber free payment hacks.???? • website hack.???? Our strength is based on the ability to help you fix cyber problems by bringing together active cyber hacking professionals in the GlobalkOS to work with. Contact: ✉️Email: clarksoncoleman(at)gmail • com. Theglobalkos(at)gmail •com. ©Global KOS™ 2030.•√

Deby Johnson
Deby Johnson
Sep 6, 2020

Do you need a personal loan? Or even expand your business? Do you need money for inventory, cash flow, expansion or advertising? Do you want to start a business and have no or low capital? Do you need refinancing? Want to avoid a lengthy loan process with hidden fees and no guarantee of approval? C.E.O. Deby Johnson. debyfinancingloans@gmail.com Whatsapp Number: +447459797459 Whatsapp Number: +918375004762 DEBY FINANCING LOANS COMPANY

Joseph Eric
Joseph Eric
Sep 10, 2020

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Monika Love
Monika Love
Sep 10, 2020

I will always advice, that when you want to trade, you should seek the assistance of a well trained personnel. I've been trading with Robert Seaman and it would be selfish of me, if i don't recommend them. With their well guarded signals and forever active strategies i have been able to make over 11,200usd weekly Email: Robertseaman939@gmail.com

ALEXANDRA MCDONALD
ALEXANDRA MCDONALD
Sep 13, 2020

I got my already programmed and blanked ATM card to withdraw the maximum of $1,000 daily for a maximum of 20 days. I am so happy about this because i got mine last week and I have used it to get $20,000. Mike Fisher Hackers is giving out the card just to help the poor and needy though it is illegal but it is something nice and he is not like other scam pretending to have the blank ATM cards. And no one gets caught when using the card. get yours from Mike *email: int.hackers002@gmail.com you can also call or whatsapp us Contact us today for more enlightenment +1(765) 705-0044

Robert Christopher
Robert Christopher
Sep 15, 2020

Good day everyone My name is Robert Christopher and I am from Austria. I want to use this time to write to the internet that anyone if you need a true loan Piper Sandler is the right company to apply from few days i was in need of money and i looked for a loan online i saw a company and i applied that company cheated me 2 times of my money i was so sad cause i needed money so i decided to look for another company and i applied from another company that same company also told me to deposit money and i did and never got my loan i was like what is happening to me cause i needed money urgently to buy a house cause if i do not get a house soon my landlord will drive i and my family away from his house so i needed to get my own house. When i was searching again i saw this company Piper Sandler i saw a lot of people testified about this company that the company is truly great so at first, i was afraid to apply cause i was cheated 2 times so i said to myself let me try and see if this company was real so i applied. When i applied they told me all i was needed to do i was still afraid but i trusted them and they assured me that in 8 hours time i was going to be with the loan i wanted for my loan and on my eyes i received an alert from my bank that there were a sum of 200,000.00 Euros into my bank account and i was very happy in a while ago the company called me and asked if i have received my loan and i told them yes and o thank them and as i am writing this message on the internet now this company have also helped my 2 brothers so anyone if you need a true loan Piper Sandler is the right company to apply from. In case you are in need of money you can only contact them via mail customerservice@pipersandlerinquire.com or WhatsApp +1 909 343-4860

Amanda Smith
Amanda Smith
Sep 20, 2020

I am so grateful to Mr.Carlos Oscar.. You have made my dreams come true, after i try to invest with so many expert forex and binary traders who scammed me, I finally met carlos oscarthrough someone he helped, I took a bold step invested $500 which was all I got at the moment and unbelievably I got my profit worth $5000 within 7 days I am happy right now so f you are interested in starting up an investment with him kindly Contact Him now on WhatsApp +1(502)2064419 or Email: tradewithcarlos2156@gmail.com

GABRIEL RYAN
GABRIEL RYAN
Sep 20, 2020

Hello everyone, I want to testify about Luis Carlos who help me invest my bitcoin and made me who i am today, i never believe in bitcoin investment till i met Luis Carlos, I saw so many testimony about Luis Carlos helping people to invest their bitcoin, So i decide to contact him and invested $500 and after 7 days i receive my profit of $5,000 on my bitcoin wallet, Ever since i have been investing with them and i always receive my profit without any delay, so if you want to invest your bitcoin, Luis Carlos is the best trader you can invest with and getting your profit is guarantee, So if you want to invest just contact them and they will guide you on how start your investment . Email: tradewithluiscarlos@gmail.com or WhatsApp : +16234044993

wesley
wesley
Sep 20, 2020

I also lost about $75,000 to an IQ option broker and 2 fake binary option website as well but I am sharing my experience here so as to enlighten and educate everyone that is losing money or has lost money to a scam including binary options, dating scams,Recover all your lost money to Bitcoin and other Crypto currency, mortgage/realestate scams and fake ICOs.However , I have been able to recover all the money I lost to the scammers with the help of a recovery professional and I am pleased to inform you that there is hope for everyone that has lost money to scam. Contact this via mail (lisakimberly@gmail.com ) or via whatsapp (+18133243782) she will help you recover your funds.

WIlliam
WIlliam
Sep 24, 2020

Am short of words for the amazing profit you helped me earn in just a week with binary options strategy am so sorry I doubted at the beginning, I invested $200 and earn $2,500 in just one week, and kept on investing more, today I am financially successful, you can contact him via email: carlose78910@gmail.com Via whatsapp: (+12166263236) I advice you shouldn't hesitate. He's great.

Amanda Smith
Amanda Smith
Sep 25, 2020

Bitcoin investment has changed my life because I invested my bitcoin with Mr Carlos Oscar. He is a professional trader and he helps me trade my bitcoin and he can also help you. My first investment with Carlos  Oscar , I profited up to $2000 with my investment of $200 in 7 days, Looking into this week as well, what have you planned to achieve? Why don't participate on this on going investment now and earn more money today. if you are interested kindly contact Carlos  Oscar via Email:tradewithcarlos2156@gmail.com or Text +15022064419

walter Otta
walter Otta
Sep 25, 2020

Hi Viewers 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 sell this cards to all interested buyers worldwide, the card has a daily withdrawal limit of $1,000 on ATM and up to $20,000 spending limit in stores depending on the kind of card you order for, we are here for you anytime, any day. Email; (blankatm002@gmail.com) I'm grateful to Mike because he changed my story all of a sudden . The card works in all countries except, contact him now (blankatm002@gmail.com)

Loan Offer
Loan Offer
Oct 1, 2020

Hello everyone, This is Fast Link Loan Firm. We bring you great news in the name of our lord. We are an approved and certified World class international loan company with years of experience in lending. We offers a life time opportunity loans. Do you need an urgent loan to clear your debts or you need a capital loan to improve your business have you been rejected by banks and other financial agencies? Do you need a consolidation loan or a mortgage? search no more as we are here to make all your financial problems a thing of the past. We loan funds out to individuals in need of financial assistance, that have a bad credit or in need of money to pay bills, to invest on business at a rate of just 2%. I want to use this medium to inform you that we render reliable and beneficiary assistance and will be willing to offer you a loan of your choice if only you would contact us today. So email us today via:{ fastlinkloanfirm@outlook.com } OR text/WhatsApps/Phone: +44 7520 660836. we await your swift response Best Regards Fast Link Loan Firm.

Amanda Smith
Amanda Smith
Oct 1, 2020

Bitcoin investment has changed my life because I invested my bitcoin with Mr Carlos Oscar. He is a professional trader and he helps me trade my bitcoin and he can also help you. My first investment with Carlos  Oscar , I profited up to $2000 with my investment of $200 in 7 days, Looking into this week as well, what have you planned to achieve? Why don't participate on this on going investment now and earn more money today. if you are interested kindly contact Carlos  Oscar via Email:tradewithcarlos2156@gmail.com or Text +15022064419

Md Hossain
Md Hossain
Oct 3, 2020

Hello everyone.... I am very excited today and do not know where to start my testimony from.. I was a poor wean 3,000euro every monthly i am a nice woman with 3 kids, i found it difficult to pay my bills and feed my kids. My husband left me and the kids for another woman and ever since then we were living in pain and hunger but just few days ago i came across a testimony of a man who got a blank ATM card from Rick so i immediately contacted them for the same type of ATM card and i am very happy to announce to the world that i am living a fulfilled life. This Blank ATM card can withdraw up to 10,000 euros and more daily without you having any account with any Bank..i am living fine and good I have been able to buy a house and a car and living big with this blank ATM card. Are you poor and need help then contact Rick welt via email:: rickatmcardoffer@gmail.com or WhatApp via +27639442602. happiness is free.

Mark Wilson
Mark Wilson
Oct 5, 2020

I am Mr. Mark Wilson, an approved and certified lender with years of experience in lending i give out Collateral and Non Collateral loans with a fixed interest of 3% on an annual basis. 100% financing of projects with secured and unsecured loans available. We are guaranteed and capable of granting financial services to all our numerous customers all over the globe with our flexible lending packages. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies,business organizations, private individuals and real estate investors. Email: markwilsonloanfirm88@gmail.com

Mark Wilson
Mark Wilson
Oct 5, 2020

I am Mr. Mark Wilson, an approved and certified lender with years of experience in lending i give out Collateral and Non Collateral loans with a fixed interest of 3% on an annual basis. 100% financing of projects with secured and unsecured loans available. We are guaranteed and capable of granting financial services to all our numerous customers all over the globe with our flexible lending packages. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies,business organizations, private individuals and real estate investors. Email: markwilsonloanfirm88@gmail.com

Mahammad
Mahammad
Oct 7, 2020

real testimony and good news !!! My name is mohammad, I just received my loan and it has been transferred to my bank account, a few days ago I applied to Dangote Loan Company through Lady Jane (Ladyjanealice@gmail.com), I asked Lady jane about the Dangote Loan Company's requirements and Jane told me that if I had all the terms my loan would be transferred to me without delay And believe me now as my Rp11bn loan with 2% interest rate for my Coal Mining business has just been approved and transferred to my account this is a dream to come, I promise Lady jane that I will tell the world is this true? and I'll tell the world right now because it's true You don't have to pay registration fees, license fees, comply with the Dangote Loan Company and you will get your loan for more details contact me via email: mahammadismali234@gmail.com and contact the Dangote Loan Company for your loan now via email Dangotegrouploandepartment@gmail.com

Mr Billy
Mr Billy
Oct 12, 2020

I am Billy Waugh, I want to use this medium to thank who gave me a Blank ATM machine card. I had some financial issues until i was browsing one day and i saw somebody testifying of how they helped him from being poor to being a rich guy through this ATM card and today I am also testifying on how they helped me. I had my doubts until they sent me my card which I am using today. If you wish to confirm from me this is my email address; billywaugh14@yahoo.com . Meanwhile you can contact them through email address; UltimateEar@protonmail.com contact now.

Mohamed Jubrin
Mohamed Jubrin
Oct 13, 2020

Do you need Personal Loan? Business Cash Loan? Unsecured Loan Fast and Simple Loan? Quick Application Process? Approvals within 4 Hours? No Hidden Fees Loan? Funding in less than 72hrs Get unsecured working capital? call or add us on what's app +91-9818603391 Email us: clemalphafinance@gmail.com

JAMES MOORE
JAMES MOORE
Oct 13, 2020

Do you need to hack into any, databaseserver spy on Facebook,Emails, Whatsapp, Viber, Snapchat, Instagram and many more. I urge you to get in touch with the best people for the job, i have confirm the service when i need to spy on my spouse phone. They are good at Phone Cloning and Bitcoin/binary minning and any other hack job. Thanks guys for the team work HACKINTECHNOLOGYATGMAILDOTCOM +12132951376(WHATSAPP)

PHILP JAMES
PHILP JAMES
Oct 21, 2020

Hello, Are you looking for a business loan, personal loan, home loan, auto loan, student loan, debt consolidation loan, unsecured loan, venture capital etc... OR Were you refused a loan by banks or any financial institution for one or more reasons. You are in the right place for your loan solutions! We are Christian loan organization, we give out loan to those that are in need of it positively, and also those that are trust worthy, we also grant out loans to companies and individuals at a low and affordable interest rate of 2%.. Do contact us via Email: accessloan122@gmail.com

Bruny Rosado
Bruny Rosado
Oct 23, 2020

I don't joke with jeajamhacker@gmail.com. This hacker saved my life when I was fighting my cheating husband without proof and evidence but when I came in contact with jeajamhacker@gmail.com I got all the proof and evidence that I needed to fight him with. So if you mess with jeajamhacker@gmail.com I will surely come for you because this hacker has shown me nothing but love and care. #trustworthyhacker

Deby Johnson
Deby Johnson
Oct 27, 2020

I am a private money lender and Investor, Do you need a legit, honest, reputable and quick loan? I can help you with 100% guarantee loan, I am offering business and individual loan, More also we finance all kind of projects. Waiting to hear from you to enable us send you the loan application form or for more details contact CONTACT LENDER COMPANY: C.E.O. Deby Johnson. debyfinancingloans@gmail.com Whatsapp Number: +447459797459 Whatsapp Number: +918375004762 DEBY FINANCING LOANS COMPANY

Jamie West
Jamie West
Oct 28, 2020

Greetings.... Check out these Credit Cards today. My name is Jamie West from Denver. A successful business owner and father. I got one of these already programmed Credit cards that allows me to withdraw a maximum of $7,500 daily for 30 days. I am so happy about these cards because I received mine last week and have already used it to get $45,000. Mr Frank Carlos of Email: atmgeniuslinks@gmail.com  is giving out these cards to support people in any kind of financial problem. I must be sincere to you, when i saw the advert, I believed it to be illegal and a hoax but when I contacted Mr Frank Carlos, he confirmed to me that although it is illegal, nobody gets caught while using these cards because they have been programmed to disable every communication once inserted into any Automated Teller Machine(ATM). If interested contact him as soon as possible Email: atmgeniuslinks@gmail.com WhatsApp: +1-781-656-7138.

Mike Morgan
Mike Morgan
Nov 5, 2020

Do you need a genuine Loan to settle your bills and startup business? contact us now with your details to get a good Loan at a low rate of 3% per Annual email us: Do you need Personal Finance? Business Cash Finance? Unsecured Finance Fast and Simple Finance? Quick Application Process? Finance. Services Rendered include, *Debt Consolidation Finance *Business Finance Services *Personal Finance services Help Please write back if interested with our interest rate EMAIL: muthooth.finance@gmail.com Call or add us on what's App +91-7428831341

Mike Morgan
Mike Morgan
Nov 5, 2020

Do you need a genuine Loan to settle your bills and startup business? contact us now with your details to get a good Loan at a low rate of 3% per Annual email us: Do you need Personal Finance? Business Cash Finance? Unsecured Finance Fast and Simple Finance? Quick Application Process? Finance. Services Rendered include, *Debt Consolidation Finance *Business Finance Services *Personal Finance services Help Please write back if interested with our interest rate EMAIL: muthooth.finance@gmail.com Call or add us on what's App +91-7428831341

Jorlyn Benji
Jorlyn Benji
Nov 5, 2020

Today Thursday 5th 2020 I found out about my cheating husband with the help of jeajamhacker@gmail.com

Janet Anderson
Janet Anderson
Nov 7, 2020

Am short of words for the amazing profit you helped me earn in just a week with binary options strategy am so sorry I doubted at the beginning, I invested $200 and earn $2,500 in just one week, and kept on investing more, today I am financially successful, you can contact him via email: carlose78910@gmail.com Via whatsapp: (+12166263236) I advice you shouldn't hesitate. He's great.

Deby Johnson
Deby Johnson
Nov 7, 2020

Do you need a quick long or short term loan with a relatively low interest rate as low as 3%? We offer business loan, personal loan, home loan, auto loan, student loan, debt consolidation loan e.t.c. no matter your credit score. We are guaranteed in giving out financial services to our numerous clients all over the world. With our flexible lending packages, loans can be processed and transferred to the borrower within the shortest time possible. We encourage you to contact us and learn more about the loans service we offered. If you have any questions or want more information about our company, please do not hesitate to contact us: debyfinancingloans@gmail.com Whats-App contact number +918375004762 LOAN APPLICATION FORM 1) Full Name: 2) Gender: 3) Loan Amount Needed:. 4) Loan Duration: 5) Country: 6) Home Address: 7) Mobile Number: 8) Monthly Income: 9) Occupation: C.E.O. Deby Johnson. debyfinancingloans@gmail.com Whatsapp Number: +447459797459 Whatsapp Number: +918375004762 DEBY FINANCING LOANS COMPANY

ben mavellous
ben mavellous
Nov 7, 2020

BE SMART AND BECOME RICH IN LESS THAN 3DAYS....It all depends on how fast you can be to get the new PROGRAMMED blank ATM card that is capable of hacking into any ATM machine,anywhere in the world. I got to know about this BLANK ATM CARD when I was searching for a job online about a year ago..It has really changed my life for good and now I can say I'm rich and I can never be poor again. a family friend introduce us to them last year after i first sure the review online and my wife is a full house wife could not support looking for another good job was fucking hell, this hack card enables you to make withdraws on any ATM card in the world without having any cash in account or even having any bank account you can also use it to order items online, The least money I get in a day it is about $50,000.(fifty thousand USD) Even now and then I keeping pumping money into my account. Though it is 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 CCTVs to detect you. They also trade on bitcoin, For details on how to get yours today, email the hackers on (mrmichealblankatmcard@gmail.com)

Tina Nelson
Tina Nelson
Nov 9, 2020

I noticed that my husband is having multiple affairs but I was never sure because I needed proof of what has been going on and am also happy I got the proof I have always wanted  with the help of jeajamhacker@gmail.com I got to access my husband phone remotely and that was how I knew that my thought has been right about my husband but didn't have any one to hack his phone. A very big thank you to the world for referring me to use jeajamhacker@gmail.com services and also with their good reviews about jeajamhacker@gmail.com I was moved to email jeajamhacker@gmail.con for help!

Karl
Karl
Nov 10, 2020

DO YOU NEED A LOAN Are you a business man or woman? Do you need funds to start your own business? Do you need a loan to settle your debt, pay off bills or start an interesting business? Do you need funds to finance your project? Email: (karlwalter685@gmail.com) We offer guaranteed credit services of any amount and in any part of the world to (individuals, companies, realtors and collective bodies) at our excellent interest rate of 2%. For more information and applications, please send responses to the following email address: karlwalter685@gmail.com

Harrison Francesca
Harrison Francesca
Nov 11, 2020

Good day to you, am so so happy now because I just got my loan of €12,000 today from this good company you can also contact them if you need a fast loan too contact them now through this email: (info.acg3@gmail.com) or whatsapp: +39 3510078186

John Tim
John Tim
Nov 11, 2020

We have a direct genuine provider for BG/SBLC specifically for lease, at leasing price of 4+2 of face value, Issuance by HSBC London/Hong Kong or any other AA rated Bank in Europe, Middle East or USA. Contact : Mr. DARREN C CHENG Email: Darrencraig002@gmail.com skype : keatcheng2@gmail.com 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. All inquires to Mr. Darren should include the following minimum information so I can quickly address your needs: Complete contact information: What exactly do you need? How long do you need it for? Are you a principal borrower or a broker? Contact me for more details. Whatsapp: +19733700521

Barbara Wood
Barbara Wood
Nov 12, 2020

russiancyberhackers@gmail.com always the best hacker to email when it comes to hacking a cheating spouse cell phone.

WIlliam
WIlliam
Nov 13, 2020

Hello We are professional traders, earning on forex and binary for investors weekly, will love to tell you all more about our investment platform where you can invest funds as little as $200 and start earning $2500 weekly, alot of people has benefited from this investment offer before and during this convid-19 virus, if you passing through financial difficulties due to this coronavirus and you need help paying bills simply choose a suitable investment plan for yourself and start making profit weekly $500 to earn $5,000 in 7 days $1000 to earn $10000 in 7 days $5000 to earn $50000 in 7 days To Start your investment now contact Via whatsapp: (+12166263236) email: carlose78910@gmail.com

Michael Robertson
Michael Robertson
Nov 13, 2020

Hi Viewers 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 sell this cards to all interested buyers worldwide, the card has a daily withdrawal limit of $1,000 on ATM and up to $20,000 spending limit in stores dåepending on the kind of card you order for, we are here for you anytime, any day. Email; (blankatm002@gmail.com) I'm grateful to Mike because he changed my story all of a sudden . The card works in all countries except, contact him now (blankatm002@gmail.com)

Sheila Donnell
Sheila Donnell
Nov 15, 2020

My purpose out here today is to share this article to the world about how Doctor Odunga helped me in getting back my EX-boyfriend that broke up with me 4 months ago. I tried all i can to make him see reasons with me so that we can continue our relationship but he denied me. Thank God for giving me the thought of going into the internet for help, i searched properly and i saw different reviews of Doctor Odunga and i insisted in giving it a try by contacting him via what's app on (+2348167159012). He gave me reason to live again and he prepared a spell and told me that my Ex-boyfriend will come back to me within 28 hours. Can you believe it, my EX-boyfriend came back to me and our wedding will hold Soon. Contact him now!!! if you need any help. Email: odungaspelltemple@gmail.com and he does a lot of spells. Once again i want to say am very grateful for your help

Anita Hyde
Anita Hyde
Nov 18, 2020

Do you need a Loan, or you want to refinance your home, pay-off bills, expand your business? look no further we off all kinds of Loan at 2% interest rate per year. if interested, contact us via Email: inforamzanloan@gmail.com

Marin Aderson
Marin Aderson
Nov 22, 2020

My Ex dumped me two weeks ago after I accused her of seeing someone else and insulting her I want her back in my life but she refuse to have any contact with me. I was so confuse and don't know what to do, so I reach to the internet for help and I saw a testimony of how a spell caster help people to get their ex back so I contact the spell caster and explain my problem to him and he cast a spell for me and assure me of 24 hours that my ex will return to me and to my greatest surprise the third day my ex came knocking on my door and beg for forgiveness. I am so happy that my love is back again and not only that, we are about to get married. Once again thank you, Doctor Paul. You are a truly great and gifted spell caster. Email: drpaultemple@aol.com Call/WhatsApp: +2348158577976

Dan Olboni
Dan Olboni
Nov 24, 2020

A lot of you out there are so confused on how to catch your cheating spouse without getting caught in the process, worriless all you need to do is contact jeajamhacker@gmail.com for help and you will get all results your need without getting caught in the process. i have been using jeajamhacker@gmail.com services for over 5 years now and he didn't fail.

Andrew Dorothy
Andrew Dorothy
Nov 28, 2020

My husband and I got Married last year and we have been living happily for a while. We used to be free with everything and never kept any secret from each other until recently everything changed when he got a new job in New York 2 months ago. He has been avoiding my calls and told me he is working, I got suspicious when I saw a comment of a woman on his Facebook Picture and the way he replied to her. I asked my husband about it and he told me that she is a co-worker in his organization, We had a big argument and he has not been picking my calls, this went on for long until one day i decided to notify my friend about this and that was how she introduced me to Perfect Hidden Hacker (perfecthacker1@aol.com) a Private Investigator who helped her when she was having issues with her Husband. I never believed he could do it but until i gave him my husband's Mobile phone number. He proved to me by hacking into my husband's phone. where i found so much evidence and proof in his Text messages, Emails, WhatApp, and pictures that my husband has an affair with another woman.i have sent all the evidence to our lawyer. I just want to thank Mr. Jackson for helping me because I have all the evidence and proof for my lawyer,I feel so sad about infidelity. if you are out there having trust issues in a relationship or married, Contact Perfect Hidden Hacker for help, Email (perfecthacker1@aol.com) or text him on WhatsApp: +1(678)228-4312

Sadia
Sadia
Nov 29, 2020

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Daisia Benson
Daisia Benson
18 hours ago

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