Time-chartering

Most of the seafarers consider shipping business as a difficult subject.

Not that it is so much difficult. But because it is not something we deal with day in day out.

We know how much we need to know to get the days to go on.

And this was perfectly Ok until a few years back.

But now, each minute matters and each hour of off-hire need explaining.

That makes it so much important for we seafarers to understand shipping business.

Today in this blog, we will discuss about time charter and what seafarers need to be aware of when the vessel is under a time charter.

Ship Charter

Shipowner buys a ship to earn a hire by letting someone (the shipper) use the space on their ship to carry cargo from one place to other.

In the ideal world, the shipper has the cargo and should directly contact a shipowner for transporting their cargo.

In the real world, it is difficult.

Why?

When we need to buy land, it is difficult to find a direct seller. Same goes for the seller for whom it is difficult to find a direct buyer.

We approach a property dealer who has a number of sellers as well as buyers for different properties.

Middleman is required quickly and easily find what we need.

In the shipping business, that middleman is called “Charterer”.

charterer-role

Of course, charterer does not just make the shipper meet shipowners.

In fact, they themselves hire the ship and arranges to fill the space of the ship with cargoes from one or many shippers.

And if a shipper manages to find a ship on its own then the shipper becomes the charterer too.

Different types of ship chartering

Irrespective of who the charterer is, there are different ways a ship can be hired.

  • The ship can be hired for one voyage
  • The ship can be hired for a particular time
  • The ship can be owned for a particular time period

type-of-ship-charterers

Every stakeholder has different responsibilities under each type of charter. Let us discuss each type of charter.

Time charter

Under a time charter, the charterer hires the vessel for a particular period of time.

The time could be in years, days or months.

The shipowner receives the freight on per day basis which is settled every month or every quarter.

The time charter can be compared with the hiring a cab on per hour basis.

In this type of charter…

  • The fuel cost is borne by the charterer
  • The ship is managed by the shipowner
  • The maintenance of the ship is shipowner’s responsibility
  • The crew costs are paid by the shipowner
  • Port dues are paid by the charterer
  • Agents at ports are appointed by the charterer

time-charter-responsibilities

Time charter party agreement

Similar to the voyage charter party agreement, for time charter the shipowner and charterer would have a time charter party agreement.

In most of the case, this time charter party agreement would be provided to the ship.

In the agreement copy provided to the ship, the figures and data like freight rate, etc may have been deleted to maintain confidentiality.

Alternatively, the ship may be provided with a different document which may be called “Charterer’s instructions to Master”.

The master must read these instructions carefully and highlight the key instructions for follow up.

At the minimum, the key instructions to look for are…

  • The charter party speed as per time charter party agreement.
  • Instructions for notification in case of ship-shore cargo discrepancy
  • percentage of ship-shore cargo figure discrepancy allowed
  • Instructions for notifications in case of an incident

Off-Hires

Under a voyage charter, the vessel has been hired for the voyage.

The charterer would not be concerned about any delay because of the vessel as it is the vessel and shipowner that would lose that time.

Consider the case of hiring an Uber.

If you have hired the cab at a pre-agreed rate, you would not be so much worried about the time the cab takes to reach the destination.

But what if you have hired the cab on per hour basis?

You do not want the cab to stop in between unnecessarily.

Same goes for the time charter.

The charterer is paying the shipowner per day basis (pro-rata) and any delay by the ship is a loss for the charterer.

This loss of time because of the ship is called “off-hire”. This is the time for which the vessel is not on hire and so the name “off-hire”.

off-hire

The off-hire time would be for

  • any deviation from the original track (For example for a crew change, picking up stores or for some repairs, etc)
  • Any stoppages at sea (For example for machinery breakdown etc)
  • Cargo tanks failed by the cargo surveyor and declared not fit for loading

Off-Hires

Our responsibility as seafarers is to keep the off-hires to as close as possible to the zero hours.

For any off-hire, the vessel needs to send the off-hire report which lists the total off-hire time and fuel consumed during this off-hire time.

Sometimes time charter party agreement may allow certain hours of off-hour per instance which will not be charged to the shipowner.

For example, it could be something like this in a time charter party agreement…

If the owners manage to keep the off-hire time for one instance to less than 3 hours, this would not count as off-hire and no reimbursement need to be paid to the charterers by the shipowner…

For example, if the cargo tanks were failed by the cargo surveyor and after corrective action by the ship staff if the tanks were passed within 3 hours then there would not be any off-hire.

In any case, the master needs to create an off-hire report for all the off-hires and send it to the shipowner/ship manager for approval.

Off hire calculation for deviation

Ship managers would then forward (or ask the master o forward) the off-hire report to the charterers.

Speed of the ship

If you hire a cab on per hour basis, you would not expect it to move slowly.

If it does, you would end up paying more money as it would take more time to reach the destination.

Similarly, under time charter, the charterer would want the ship to run at speed declared by the shipowner or agreed in the charter party agreement.

It is the master’s responsibility to ensure that the ship always maintains that speed.

But what if the vessel is experiencing rough weather and master is not able to maintain the charter party speed?

The time charter party also have clauses for the weather conditions.

So say, the vessel is required to maintain 13 knots of speed when the wind speed is less than BF 6.

If the wind force is 6 or more, the speed for that period will not count as under-performance of the ship.

This makes it so much important to note down the weather conditions correctly in the deck log book as well as in the noon report.

At the end of an agreed period (each voyage, quarter, half yearly or yearly as agreed in charter party agreement) the performance of the vessel with respect to speed will be analyzed.

Charter Party Agreement

Fuel

Under a time charter, the fuel costs are covered and paid by the charterer.

The fuel supply is arranged by the charterer.

When the ship is delivered to the charter, charterer/shipowner may carry out fuel oil survey to get the actual fuel oil onboard at the time of delivery of the vessel to the charterer.

This would be the fuel that shipowner has delivered to the charterers at the time of delivery of the ship.

When the charterer hands over the vessel back to the shipowner, the bunker survey is again carried out.

This will the fuel handed over by the charterer back to the shipowner.

So let us say that

  • Bunkers at the time of delivery were HFO: 400MT and DO: 100 MT
  • Bunkers at the time of re-delivery were HFO: 250MT and DO: 50 MT

In this case, charterer needs to pay the shipowner for 150MT of HO and 50MT of DO.

It would be another way around if the bunkers at the time of redelivery are more than the bunker that was handed over to the charterers at the time of vessel delivery.

Agents at load port and discharge port

When the vessel is under time charter, the agent at load port and discharge port would be appointed by the charterers.

Shipowner or manager would have no role and relation with the agents.

It is important for the master and ship staff to be aware of this.

Usually, the agents are there to help ship staff but if the vessel is on time charter, we need to be more cautious while handling with an agent.

In a time charter, the loyalty of the agents lie with the charterer and not with the ship staff or shipowners.

Masters must be aware that as the agent is being paid by the charterer and not the shipowner, they may not go out of their way to help the vessel.

This is particularly important in matters that lie under the responsibility of the ship staff, shipowners or managers.

For example, if the ship is detained by the PSC for some reasons, the agent may not be that enthusiastic to clear the vessel at the earliest as in this case the vessel will be off-hired and the agent’s employer (charterer) would not be loosing on anything.

This may not be the case with some professional agencies but nevertheless, masters need to be aware of this.

Cargo under-performance

Under the time charter, the charterer may claim for under-performance of the vessel and seek compensation from the shipowner for loss in time.

The under-performance could be

  • Delays in starting the cargo operation
  • Loading of the cargo at less loading rate
  • Discharging of the cargo at less discharge rate
  • Stoppages during cargo operations from the ship staff

If the under-performance claim is justified and valid, then there is not much we can do.

But there would be occasions when it would actually be the delay from the shore and which is being claimed to be ship delay.

That makes it important to accurately issue these two documents

  • Statement of facts
  • Letter of protest for any delays

Apart from that accurately recording all the timings in the port log is important to support SOF and letter of protest.

For tankers, if any restrictions are put by the loading master on the vessel’s capability to load or discharge, a protest must be issued on this.

The restriction could be

  • to maintain manifold pressure lesser than the vessel is capable to maintain
  • to discharge (or load) at a rate lesser than vessel can load
  • shore provided a number of hoses lesser than vessel can connect

The letter of protest would help the ship staff and shipowner to prove that vessel under-performed because of the shore side restrictions.

The time charter agreement (or the instructions to master) provided onboard may have the minimum loading or discharge rate vessel need to maintain.

This could be something like

Owners warrants that vessel can discharge at a rate of 500 m3/Hr and maintain 7 bars at the manifold in all conditions…

While the vessel needs to make sure that they comply with this but they must not over-rely on these instructions.

For example, at a discharge port vessel achieved discharge rate of 800 m3/Hr.

This does not mean that there is no need to issue a letter of protest for any restrictions from the shore side.

Unclear, unreasonable and unsafe instructions

While on time charter, the charterer may ask the master to perform some tasks which may be unsafe or is not as per the industry guidelines.

I will list here two of such instructions that I personally came across.

  • Charterers asked to load a heated cargo adjacent to a cargo which is heat sensitive.
  • Charterers asked to keep the original bill of lading on board during the voyage from load port to discharge port

You may come across other such requests. The master needs to decline these requests.

If at all required, Master need to oblige to the requests only when

  • The charterer has provided a “letter of indemnity (LOI)” to the ship owners or managers
  • Instructions have been received from the shipowner or manager to oblige the request
  • It is safe to do so

Conclusion

From a commercial point of view, it is Master and ship staff’s moral responsibility to ensure that shipowner profits from owning and running the ships.

But there are no hard and fast written rules that hold good in all situations.

This is particularly the case when a ship is chartered in different ways.

It is important that we understand our responsibilities under each charter party.

And it is important that we understand where the loyalties of each party that we are interacting with lies.

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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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132 Comments

Girish
Girish
Apr 29, 2019

Now this Topic is crystal clear for me Thank you very much sir I found All of your blogs are really helpful I am appearing for meo class 1 from mumbai You are doing a great job sir

Rajeev Jassal
Rajeev Jassal
May 8, 2019

Glad you liked it Girish... Feels great hearing that.

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Lovika Shashtri
Lovika Shashtri
May 3, 2019

Great sir!! Expecting more frequent blogs from you.May be fortnightly. If its ok fr you

Rajeev Jassal
Rajeev Jassal
May 8, 2019

Thanks, Lovika. I will try to be more frequent in posting new articles.

Lovika Shashtri
Lovika Shashtri
May 10, 2019

Sir ,you might be wondering why you should take all the pain but ...

Sompal Singh
Sompal Singh
May 3, 2019

Great share! Thank you for the post. Ship manning

Rajeev Jassal
Rajeev Jassal
May 8, 2019

Glad you liked it Sompal...

S.Thirumalar kannan
S.Thirumalar kannan
May 6, 2019

Great explanation sir.Thank you so much.Also Please explain about various charter party terms and abbreviations.

Rajeev Jassal
Rajeev Jassal
May 8, 2019

Thanks, Thirumalar... I will post more articles on charter party terms.

Amit Pal
Amit Pal
May 9, 2019

Thank you so much for your articles Sir. These are very easy to understand and very helpful.

Rajeev Jassal
Rajeev Jassal
Jul 6, 2019

Glad you found it helpful Amit...

Prabhu Muthu
Prabhu Muthu
May 11, 2019

Sir for new command it's very useful thank you very much

Rajeev Jassal
Rajeev Jassal
Jul 6, 2019

Happy to help Prabhu...

Suraj Singh
Suraj Singh
May 14, 2019

Great Job sir. Keep up the good work

Rajeev Jassal
Rajeev Jassal
Jul 6, 2019

Thanks, Suraj...

biya
biya
Jun 25, 2019

hiiya is teh biya

Courage Nwogu
Courage Nwogu
Jul 10, 2019

Rajeev jassal hi

Naresh Thulasingam
Naresh Thulasingam
Jul 24, 2019

very nicely explained !!! am new to this blog .. am very surprised to see this blog .. will read other topics soon

Rajeev Jassal
Rajeev Jassal
Sep 13, 2019

Glad to have you here Naresh...

DEEPAK SINGH
DEEPAK SINGH
Jul 25, 2019

Excellent explanation sir. where does the term laycan fit into time charter?

Rajeev Jassal
Rajeev Jassal
Sep 13, 2019

When time charter further sub-charter the vessel under voyage charter...

Peter Jacob
Peter Jacob
Aug 9, 2019

Very good and informative article. I would like to know that how to do we count as a voyage? As far as I know a voyage starts from Arrival port and ends also at Arrival port and this is based on container vessels. But what about bulk carriers? Is it their voyage starts from loading cargoes and ends at complete discharging in arrival port?

Rajeev Jassal
Rajeev Jassal
Sep 13, 2019

Under the time charter, the terms used are delivery of the ship to the charterer and redelivery of the ship to the shipowner. These are decided by the charterer and ship owner in the agreed charter party. For the voyage charter the freight is considered basis arrival load port and back to same port but it can be changed by agreement between ship owner and charterer.

Yury G.
Yury G.
Aug 23, 2019

Dear sir, can you please explain the Bareboad charter. Thank you.

Rajeev Jassal
Rajeev Jassal
Sep 13, 2019

I will consider writing on that as well...

Varun
Varun
Nov 10, 2019

Nice article Sir.

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Nov 18, 2019

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Rathna R
Rathna R
Jan 7, 2020

Respected Sir! Very well explained about Time Charter with calculation and diagrams, along with the cost expenses that is being borne by Charterer with reasons, which sounds to be quite helpful as student. May I please request you to write on Demurrage and Laytime Calculation. Thank You!

moht
moht
Jan 28, 2020

Hi , Can you advise what is the charter party speed ? is it speed over ground or speed through water ?

Vinod
Vinod
Mar 25, 2020

Speed over ground

Steve Fox
Steve Fox
Mar 30, 2020

Hi, can you please explain why its not acceptable for the master to keep the original BoL onboard between last port of loading and destination port of arrival?

Fitsum
Fitsum
Apr 27, 2020

Dear Capt Rajeev Jassal I appreciate your Curiosity to transfer your knowledge am glad of and it is very helpful to me

olu oged
olu oged
May 6, 2020

On a Time charterer agreement for one year, What is the best numbers of days that can be use to calculate a month.

johnjose
johnjose
May 21, 2020

very informative article. well explained the charter calculations.. marine colleges

Umesh
Umesh
May 26, 2020

Excellent article Sir...Thank you Q. Will laytime,Demurrage and despatch affect the Shipowner in Time Charterers ?

Amar anand
Amar anand
Jun 30, 2020

Nice Blog Sir.....Request you to please write blog on bareboat charterer and contract of Affreightment.....Also on insurance Policy and its principles...And clauses of various charter party

Tantan Tubal
Tantan Tubal
Jul 7, 2020

Very well said Sir, like what the saying said wrong information is worst than ignorance.. Very much helpful for us who is aspiring to be a Master in the future and all your explanation are clear and well understood. Thumbs up with 5 star Sir. God bless!!

JEET KAMPANI
JEET KAMPANI
Jul 27, 2020

Good one. Keep in touch if you are moving cargoes.

rony
rony
Jul 27, 2020

Nice Blog!! The content you have shared is very elaborative and informative. Thanks a lot for sharing such a great piece of knowledge with us.

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Md.Ahsanul Karim Ahsan
Md.Ahsanul Karim Ahsan
Sep 13, 2020

Thank you sir fyr excellent blog.

Ilias G Katsanis
Ilias G Katsanis
Nov 12, 2020

Dear Capt Rajeev Jassal. We appreciate your good work and the ability to share your knowledge with all Mariners. It is undoubtedly very helpful!!!

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Anuradha Peiris
Anuradha Peiris
Dec 29, 2020

thank you very much

Samer homsi
Samer homsi
Jan 22, 2021

Hello dear iam from lebanon i am broker & charter I am happy to deal with you and thank you

A.B.M. Ataur Rahman
A.B.M. Ataur Rahman
Feb 17, 2021

Dear sir, I am from Bangladesh. From your article, we learn many things about time chartering. I have a question. Who will bear the cost of extra fuel consumption in off-hire time.

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Testimony of financial breakthrough from GOD through the help of Funding Circle Loan INC. Hello Everyone, I'm Harvey Lee a resident/citizen of the United States of America.I am 52 years of age an entrepreneur/businessman. I once had difficulties in financing my project/business. If not for a good friend of mine who introduced me to Mr. Condred Nicholas to get a loan worth $750,000 Euro from his company. When I contacted them it took just 48 hours to get my loan approved and transfer to my account after meeting all their modalities I to their loan agreement/terms and conditions. Even if you have bad credit they still offer their service to you. They also offer all kinds of loan such as Business loan, Home loan, Personal loan, Car loan, Loan for Business start-up, and Business Expansion. I don't know how to thank them for what they have done for me but God will reward Email: condredloanworld@yahoo.com or on skype id: scottloanhomeplc or by Whatsapp number : +447466543396

Knol Leo
Knol Leo
Jun 26, 2021

Hey friends i was a victim of a scam, but when I saw a post about a loan on how a Lady with three kids got a loan from the Asson online services ? I was happy. I just got a loan approved on May 4th, 2020 and received my loan May 5th, 2020. If you are in financial problem , don't hesitate to contact Asson online services on Whatsapp +1 (443) 222 8529 or Email: ASSONSERVICES@GMAIL.COM

Davis Apollis
Davis Apollis
Jun 26, 2021

Do you need a loan??? Asson Online services offer flexible loans and funding for various projects. This loan allow customers to payback for as low as 2% interest rate for a period of 1 to 30 years. We can approve a loan/cash for up to $2,000.00 USD to $500,000.000.00 USD depending on the kind of loan you need for your business. We are currently funding for *Business Expansion *Commercial Real Estate Project *Personal Loan *Montage Loan *Home Loan *Secure Loan *Unsecured Loan *Fixed Rate Loan *Variable Rate Loan *Cosigned Loan *Debt Consolidation Loan *Personal Line Of Credit *Holiday Loan *Home Improvement Loan We are open to having a good relationship business with you 24/7. To get a loan please do not hesitate to contact us via whatsapp :+1 (443) 222 8529 or Email:assonservices@gmail.com for more informations.

Oliver Calderin
Oliver Calderin
Jun 26, 2021

I want to use this medium to alert all loan seekers to be very careful because there are scam everywhere. Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender who lend me an unsecured loan of $24,000 under 24Hours without any stress. If you are in need of any kind of loan just contact him now via email: Assonservices@gmail.com or  WhatsApp  +1 (443) 222 8529 .

Kyriak Diana
Kyriak Diana
Jun 26, 2021

If you need an urgent loan today with a very affordable interest rate of 2%. Please contact us today through Email:assonservices@gmail.com or WhatsApp via :+1 (443) 222 8529.

Gloria Wayne
Gloria Wayne
Jun 26, 2021

Hi friends i just want to use this medium to thank this great loan company who helped me with a loan ,when i was  in need of $98,000.00 usd so i was introduce to Asson Online Services so i contacted them and i got the loan amount of $98,000.00 usd within 4 hours ,i will advice anyone who is in financial stress, please contact email: (ASSONSERVICES@GMAIL.COM) Or whatsapp her via:+1 (443) 222 8529.

Tacio Lyn
Tacio Lyn
Jun 26, 2021

Apply for a quick loan at Asson Finance Services today and get your loan approved and send to your account. If you are in Australia,Canada ,Europe, Africa, USA, UK and Asia do Contact this email: ASSONSERVICES@GMAIL.COM , Company WhatsApp number:+1 (443) 222 8529 Asson Finance Services worldwide.

Vinceta sheryl
Vinceta sheryl
Jun 26, 2021

I am glad to recommend this legit and high reputable loan lender who i got my loan of €190,000.00 from and i can recommend Asson Online Services to anyone who need a loan.This email address: ASSONSERVICES@GMAIL.COM or WHATSAPP: +1 (443) 222 8529.

Vernon Mia
Vernon Mia
Jun 26, 2021

In the fight against this crisis, We are providing individuals or companies who really need financial help to get their.project, so that these individuals or companies can repay their debt and start again. We offer loans ranging from € 2,000 to € 500,000.000 with an interest rate of 2% depending on the amount you want to borrow. NB: THEN, CONSULT US IN OUR EMAIL IF YOU ARE INTERESTED: assonservices@gmail.com or WhatsApp via :+1 (443) 222 8529 .

Anna Jadden
Anna Jadden
Jun 26, 2021

I am glad to recommend this legit and high reputable loan lender who i got my loan of €79,000.00 from and i can recommend him to anyone who need a loan.This email address: assonservices@gmail.com or WhatsApp:+1 (443) 222 8529.

Kyle Tarryn
Kyle Tarryn
Jun 26, 2021

Do you need a personal or business loan ...or bitcoin without stress and quick approval? If yes, contact us today as we are currently offering loans and bitcoin at 2% super interest rate per year. Our loan is secured and safe, our customers happiness is our strength. For more Information and Application, kindly contact us via e-mail: ASSONSERVICES@GMAIL.COM  or WhatsApp  +1 (443) 222 8529  for more Info.

Vinceta sheryl
Vinceta sheryl
Jun 27, 2021

I am glad to recommend this legit and high reputable loan lender who i got my loan of €190,000.00 from and i can recommend Asson Online Services to anyone who need a loan.This email address: ASSONSERVICES@GMAIL.COM or WHATSAPP: +1 (443) 222 8529.

Knol Leo
Knol Leo
Jun 27, 2021

Hey friends i was a victim of a scam, but when I saw a post about a loan on how a Lady with three kids got a loan from the Asson online services ? I was happy. I just got a loan approved on May 4th, 2020 and received my loan May 5th, 2020. If you are in financial problem , don't hesitate to contact Asson online services on Whatsapp +1 (443) 222 8529 or Email: ASSONSERVICES@GMAIL.COM

Julie Quinn
Julie Quinn
Jun 27, 2021

I'm so excited now , how I got a loan of $50,000 USD from Asson Online Services to buy my house within 24 hours at the rate of 2% contact (ASSONSERVICES@GMAIL.COM) OR WhatsApp for quick response on  +1 (443) 222 8529.

Oliver Calderin
Oliver Calderin
Jun 27, 2021

I want to use this medium to alert all loan seekers to be very careful because there are scam everywhere. Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender who lend me an unsecured loan of $24,000 under 24Hours without any stress. If you are in need of any kind of loan just contact him now via email: Assonservices@gmail.com or  WhatsApp  +1 (443) 222 8529 .

Christina Cortez
Christina Cortez
Jun 27, 2021

I never thought I could find a genuine lender on the internet until i meet Mr Asson Daniel who at first thought was like others, who helps me out with my loan and you can contact him today via email: Assonservices@gmail.com Or  WhatsApp  +1 (443) 222 8529 for more information on how to get your loan too.

Vernon Mia
Vernon Mia
Jun 27, 2021

In the fight against this crisis, We are providing individuals or companies who really need financial help to get their.project, so that these individuals or companies can repay their debt and start again. We offer loans ranging from € 2,000 to € 500,000.000 with an interest rate of 2% depending on the amount you want to borrow. NB: THEN, CONSULT US IN OUR EMAIL IF YOU ARE INTERESTED: assonservices@gmail.com or WhatsApp via :+1 (443) 222 8529 .

Kyriak Diana
Kyriak Diana
Jun 27, 2021

If you need an urgent loan today with a very affordable interest rate of 2%. Please contact us today through Email:assonservices@gmail.com or WhatsApp via :+1 (443) 222 8529.

Davis Apollis
Davis Apollis
Jun 27, 2021

Do you need a loan??? Asson Online services offer flexible loans and funding for various projects. This loan allow customers to payback for as low as 2% interest rate for a period of 1 to 30 years. We can approve a loan/cash for up to $2,000.00 USD to $500,000.000.00 USD depending on the kind of loan you need for your business. We are currently funding for *Business Expansion *Commercial Real Estate Project *Personal Loan *Montage Loan *Home Loan *Secure Loan *Unsecured Loan *Fixed Rate Loan *Variable Rate Loan *Cosigned Loan *Debt Consolidation Loan *Personal Line Of Credit *Holiday Loan *Home Improvement Loan We are open to having a good relationship business with you 24/7. To get a loan please do not hesitate to contact us via whatsapp :+1 (443) 222 8529 or Email:assonservices@gmail.com for more informations.

Martha Rio
Martha Rio
Jun 27, 2021

Hello friends, i want to use this medium to testify of a loan company that help me obtain a commercial loan with Understandable terms. they offer all types of Loan ,whatsapp via:+1 (443) 222 8529 or Email:assonservices@gmail.com for more information.

Kyle Tarryn
Kyle Tarryn
Jun 27, 2021

Do you need a personal or business loan ...or bitcoin without stress and quick approval? If yes, contact us today as we are currently offering loans and bitcoin at 2% super interest rate per year. Our loan is secured and safe, our customers happiness is our strength. For more Information and Application, kindly contact us via e-mail: ASSONSERVICES@GMAIL.COM  or WhatsApp  +1 (443) 222 8529  for more Info.

Gloria Wayne
Gloria Wayne
Jun 27, 2021

Hi friends i just want to use this medium to thank this great loan company who helped me with a loan ,when i was  in need of $98,000.00 usd so i was introduce to Asson Online Services so i contacted them and i got the loan amount of $98,000.00 usd within 4 hours ,i will advice anyone who is in financial stress, please contact email: (ASSONSERVICES@GMAIL.COM) Or whatsapp her via:+1 (443) 222 8529.

Anna Jadden
Anna Jadden
Jun 27, 2021

I am glad to recommend this legit and high reputable loan lender who i got my loan of €79,000.00 from and i can recommend him to anyone who need a loan.This email address: assonservices@gmail.com or WhatsApp:+1 (443) 222 8529.

Mr. Robert Williams
Mr. Robert Williams
Jun 27, 2021

I was a victim of a fake/scammers, but when I saw a post about a loan on how a man who got a loan from the Asson online services, I was overwhelmed and decided to contact them , I just got my loan approved and received my loan within few hours. If you are in need of finance help, don't hesitate to contact  Asson Online Services who grants loans at 2% interest rate throughout the  world. Apply for your genuine loan at Asson online services and stop wasting time with scam lenders. just send an email (ASSONSERVICES@GMAIL.COM) Whats-app +1 (443) 222 8529. Thanks Asson online services I'm forever grateful.

Adames Willfred
Adames Willfred
Jun 27, 2021

Have you tried seeking for loans from various loan firms both private and corporate organisations but never succeeded and most banks declined your credit request. "if you must contact any firm with reference to securing a loan online with low interest rate of 2% and better repayment plans/schedule. You can contact us via email on { ASSONSERVICES@GMAIL.COM } or whatsapp : +1 (443) 222 8529.

Manan Abdul
Manan Abdul
Jun 27, 2021

I came across a comment concerning how a woman received a loan from Asson online services on Facebook and I contacted the email I saw on the post and all of a sudden I was approved of a loan of €62,500 so I never believed all this can work till I was credited €62,500 in my bank account,i will advice anyone who is in financial stress, please don't hesitate to send a message to this email:(assonservices@gmail.com) Or whatsapp via:+1 (443) 222 8529.

Pastor Ms. Edith Newton
Pastor Ms. Edith Newton
Jun 27, 2021

Greetings,    I'm Pastor Ms. Edith Newton from Asson Finance, we provide loans ranging from  $2,000.00 US Dollars to  $500,000,000.00 US Dollars any currency with 2% interest rate, our loans are approved and paid within 4 hours, with or without collateral. GET BACK FOR THE FOLLOWING .     Personal Loans.     Credit Cards.     Home-Equity Loans.     Home-Equity Lines of Credit.     Credit Card Cash Advances.     Small Business Loans. Thanks and I hope to hear from you. email:(assonservices@gmail.com) Or whatsapp :+1 (443) 222 8529. Pastor Ms. Edith Newton.

Tacio Lyn
Tacio Lyn
Jun 27, 2021

Apply for a quick loan at Asson Finance Services today and get your loan approved and send to your account. If you are in Australia,Canada ,Europe, Africa, USA, UK and Asia do Contact this email: ASSONSERVICES@GMAIL.COM , Company WhatsApp number:+1 (443) 222 8529 Asson Finance Services worldwide.

KETINA BARLEY
KETINA BARLEY
Jun 28, 2021

I want to say thanks once again to this great man called Dr Zuma and his spiritual way of helping people i lives in USA with my husband we love each other and also he care about me always look forward to make things easy for both of us 9 years after our wedding, we both work harder to make a family greatest surprise, we have a kid after some times again, we have another one so with this, we live in peace and he was so honest to me shortly, he started misbehaving that i don’t know what is going on then i asked him. Darling what is going on? you are so strange to me this few days hope i have not offended you? he said no. Not knowing he have an affair with one lady out side who promised him a car and apartment in one estate were i cannot see him also when he cannot see me i manage to stay with him pleading him he should forgive me if i have wrong him he started complaining he has no money that he has lost all his money in his business that he needs some money then i asked him how much is this money you are looking for? he did not know i can afford it. Then, he said $14,000USD i promised him i we give it to him just for him to care about his family. My greatest surprise, the next day, i went to work and our two kids were in school not knowing his going to leave the house before i come’s back i met some of his things outside i was waiting for him to come back he never come back i cried i miss him so much and he have taking all my money away i was only left with $800USD. One day, as i was ready a blog i saw a testifier made by someone in Australia called Jessica telling people about how this man call Dr Zuma helped her and the man’s contact email was there and his mobile number then i contacted him for a help and really, he brought back my husband now am so happy my brothers and sister if you are in such relationship problem kindly via Email spiritualherbalisthealing@gmail.com or Whatsapp +15068001647 Blog: https://spiritualherbal.blogspot.com he will help you solve all your problems.

alexander castro
alexander castro
Jun 29, 2021

Programmed ATM Cards Do you know that you can hack any ATM machine !!! We have specially programmed ATMs that can be used to withdraw money at ATMs, shops and points of sale. We sell these cards to all our customers and interested buyers all over the world, the cards have a withdrawal limit every week. Getting rich and living the rich and famous lifestyle is a dream of many people. And while most people go to work or look for other ethical methods to make money on ATM-programmed cards. The programmed ATMs withdraw money from each ATM but have a withdrawal limit every week, only your PIN code is in it, it is a high-tech card system. The PROGRAMMED ATM card works on all card-based ATMs, anywhere in the world. Email: atmservices44@aol.com Email: hacklords.investors@gmail.com

GARVAN MAIREAD
GARVAN MAIREAD
Jul 2, 2021

Are you looking to Discount, Monetize, or create an immediate Non Recourse loan against a Leased or Purchased bank instrument such as BG,SBLC and Bank Drafts, We solely deal with real deals, real people and real Leased & Purchased Bank instruments that need real monetization. The Bank SWIFT Network is the Gold Standard that validates that your Leased & Purchased Bank instruments is real and it provides a respected industry platform where guaranteed settlement can be facilitated. Our contracts also include the monetizer returning the Leased bank instrument to the Issuing bank 15 days prior to the bank instrument expiration. Standby Letter of Credit Monetization LTV: *Leased BG/SBLC Monetization - 65% Non Recourse *Purchased BG/SBLC Monetization - 90% Non Recourse. Estimated Completion Time: *2-3 Days After Instrument Delivery on the SWIFT Networks. We also have trusted and long term business partners/providers who can facilitate issuance & delivery of bank instruments such as BG,SBLC,LC,DLC and Bank Draft at Lease Price 4% + 2% and Purchase price at 32% + 2% where 2% is agent and brokers commission. For further enquiries, we can be reached at the information below. Email: inquiry.trustedfinance@gmail.com Skype : inquiry.trustedfinance@gmail.com

ONE BILLION RISING FUND
ONE BILLION RISING FUND
Jul 7, 2021

Hello Everyone This is to inform the general public that ONE BILLION RISING FUND is currently offering Long and Short Term Loans to individual organizations and cooperatives that are seriously in need of financial support to improve their business or other financial needs at low interest rates. for all forms of financial loans, with low interest rates, our loan services range from a minimum amount ($ 3,000.00) to a maximum amount ($ 1.000,000.00) and with a minimum duration of 1 year, and a maximum term of 12 years which has been approved by this great loan company, so let us have your application now with your details for further processing contact us with the following information. below. COMPANY NAME ::;ONE BILLION RISING FUND Via email: onebillionrisingfund@gmail.com Whatsapp::TEL: +1 267 526 5352 WE OFFER LOAN IN VARIOUS CURRENCIES CONTACT US NOW

tony cam
tony cam
Jul 10, 2021

My name is Tom cam!!! i am very grateful sharing this great testimonies with you all, The best thing that has ever happened in my life, is how i worn the Powerball lottery. I do believe that someday i will win the Powerball lottery. finally my dreams came through when i contacted Dr. OSE and tell him i needed the lottery winning special numbers cause i have come a long way spending money on ticket just to make sure i win. But i never knew that winning was so easy with the help of Dr. OSE, until the day i meant the spell caster testimony online, which a lot of people has talked about that he is very powerful and has great powers in casting lottery spell, so i decided to give it a try. I emailed Dr. OSE and he did a spell and gave me the winning lottery special numbers 62, and co-incidentally I have be playing this same number for the past 23years without any winning, But believe me when I play the special number 62 this time and the draws were out i was the mega winner because the special 62 matched all five white-ball numbers as well as the Powerball, in the April 4 drawing to win the $70 million jackpot prize...… Dr. OSE, truly you are the best, with Dr. OSE you can will millions of money through lottery. i am a living testimony and so very happy i meant him, and i will forever be grateful to him...… you can Email him for your own winning special lottery numbers now oseremenspelltemple@gmail.com OR WHATSAPP him +2348136482342

scott
scott
Jul 10, 2021

OMG this is awesome, very interesting article. I can imagine the energy and time you have invested on this powerful combination of words. Many articles I come across these days do not really dive this deep to make it clear to audience as you did. But believe me the way you interact is literally 100% perfect. I will instantly grab your rss feed to stay informed of any updates you make on your blog, as well take the advantage to tell the world of the attacked NCLEX exam leaked questions files we got from reliable source for the upcoming exam, I will also take the advantage to ask for your permission to join our 179.3k members TELEGRAM GROUP to share with us your ideas or any latest update on your blog. Thanks I am Scott from Globex, we are expecting you on our platform.

data analytics courses
data analytics courses
Jul 10, 2021

I find your opinion quite interesting, but the other day I stumbled upon a bit of completely different advice from another blogger, I need to think that one through, thanks for posting. data analytics courses

Jessica Smith
Jessica Smith
Jul 11, 2021

After being in relationship with Wilson for seven years,he broke up with me, I did everything possible to bring him back but all was in vain, I wanted him back so much because of the love I have for him, I begged him with everything, I made promises but he refused. I explained my problem to someone online and she suggested that I should contact a spell caster that could help me cast a spell to bring him back but I am the type that don’t believed in spell, I had no choice than to try it, I meant a spell caster called Dr Zuma zuk and I email him, and he told me there was no problem that everything will be okay before three days, that my ex will return to me before three days, he cast the spell and surprisingly in the second day, it was around 4pm. My ex called me, I was so surprised, I answered the call and all he said was that he was so sorry for everything that happened, that he wanted me to return to him, that he loves me so much. I was so happy and went to him, that was how we started living together happily again. Since then, I have made promise that anybody I know that have a relationship problem, I would be of help to such person by referring him or her to the only real and powerful spell caster who helped me with my own problem and who is different from all the fake ones out there. Anybody could need the help of the spell caster, his email: spiritualherbalisthealing@gmail.com or WhatsApp him +15068001647 blog: spiritualherbal.blogspot.com you can email him if you need his assistance in your relationship or anything. CONTACT HIM NOW FOR SOLUTION TO ALL YOUR PROBLEMS

jessicastephen22
jessicastephen22
Jul 15, 2021

I am not sure I could have done it without you. I contacted a real spell caster that helped me change my husband’s heart to love and want me again, and he really did and now we are very happy together. My husband left me for another woman, This was just 3 years of our marriage. The most painful thing is that I was pregnant with our second baby. I wanted him back. I did everything within my reach to bring him back but all was in vain, I wanted him back so badly because of the love I had for him, I begged him with everything, I made promises but he refused. I explained my problem to my friend and she suggested that I should rather contact a spell caster that could help me cast a spell to bring him back , I had no choice than to try it. I messaged the spell caster called dr unity, and he assured me there was no problem and that everything will be okay before 11 hours. He cast the spell and surprisingly 11 hours later my husband called me. I was so surprised, I answered the call and all he said was that he was so sorry for everything that had happened He wanted me to return to him. He also said he loved me so much. I was so happy and went to him that was how we started living together happily again.thanks to dr unity . if you are here and your Lover is turning you down, or your husband moved to another woman, do not cry anymore, contact Dr.Unity for help now.. Here his contact..WhatsApp him: +2348055361568 , Email him at: Unityspelltemple@gmail.com , Watch this YouTube channel to know how grateful I am https://youtube.com/shorts/rBPtBktMmtA?feature=share

mark
mark
Jul 15, 2021

Hello Are you a businessman, politician, music, student and want to be rich, powerful and famous in life needs power to realize their dreams. You can realize their dreams by a member of the Illuminate. with that all your dreams and the desires of the heart that can fully realized if you really want to be a member the big names of the Illuminate then you can contact (mb5042534@gmail.com)

ann lopez
ann lopez
Jul 17, 2021

My husband came to me and apologized for the wrongs he did and promised never to do it again. Ever since then, everything has returned back to normal. Thank you Dr OGEDEGBE for saving my broken Marriage. Dr OGEDEGBE is the best online spell caster that is powerful and genuine, you can as well contact him for the following services, Death Spell, Lottery Spell, Promotion Spell, Goodluck Spell, Pregnancy Spell. etc Email him now today. Email him: dr.ogedegbe6@gmail.com or whatsapp him via +2348109374702........

Dan Jerry
Dan Jerry
Jul 21, 2021

I was searching for loan to sort out my bills& debts, then i saw comments about Blank ATM Credit Card that can be hacked to withdraw money from any ATM machines around you . I doubted thus but decided to give it a try by contacting {Blankatmoffice@gmail.com} they responded with their guidelines on how the card works. I was assured that the card can withdraw $5,000 instant per day & was credited with $50,000.00 so i requested for one & paid the delivery fee to obtain the card, after 24 hours later, i was shock to see the UPS agent in my resident with a parcel{card} i signed and went back inside and confirmed the card work's after the agent left. This is no doubts because i have the card & has made used of the card. This hackers are USA based hackers set out to help people with financial freedom!! Contact these email if you wants to get rich with this Via: Blankatmoffice@gmail.com... WESTERN UNION HACK/ MONEY GRAM HACK 2) BITCOIN INVESTMENTS HACK 3) BANKS TRANSFERS 4) CRYPTOCURRENCY MINING 5) BANKS LOGINS 6) LOADING OF ACCOUNTS 7) WALMART TRANSFERS 8) BUYING OF GIFT CARDS 9) REMOVING OF NAME FROM DEBIT RECORD AND CRIMINAL RECORD 10) BANK HACKING 11) PAYPAL LOADING 12) CASH-APP FLIP •

Tony Bryant
Tony Bryant
Jul 22, 2021

i advise anyone looking for a forex and crypto trader in terms of account mentorshp to reach out to Mrs Thomas Mary for she has really help me know the better part of trade. I have made a lot of profit with her guidiance. you can reach her on her email adress thomasmary4554@gmail.com or reach her on her whatsapp +447508347797.

Tony Bryant
Tony Bryant
Jul 22, 2021

i advise anyone looking for a forex and crypto trader in terms of account mentorshp to reach out to Mrs Thomas Mary for she has really help me know the better part of trade. I have made a lot of profit with her guidiance. you can reach her on her email adress thomasmary4554@gmail.com or reach her on her whatsapp +447508347797.

jeffrey cage
jeffrey cage
Jul 23, 2021

INSTEAD OF GETTING A LOAN,, I GOT SOMETHING NEW Get $10,050 USD every week, for six months! See how it works Do you know you can hack into any ATM machine with a hacked ATM card?? Make up you mind before applying, straight deal... Order for a blank ATM card now and get millions within a week!: contact us via email address:: besthackersworld58@gmail.com or whats-app +1(323)-723-2568 We have specially programmed ATM cards that can be use 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 our customers and interested buyers worldwide, the card has a daily withdrawal limit of $2,500 on ATM and up to $50,000 spending limit in stores depending on the kind of card you order for:: and also if you are in need of any other cyber hack services, we are here for you anytime any day. Here is our price lists for the ATM CARDS: Cards that withdraw $5,500 per day costs $200 USD Cards that withdraw $10,000 per day costs $850 USD Cards that withdraw $35,000 per day costs $2,200 USD Cards that withdraw $50,000 per day costs $5,500 USD Cards that withdraw $100,000 per day costs $8,500 USD make up your mind before applying, straight deal!!! The price include shipping fees and charges, order now: contact us via email address::besthackersworld58@gmail.com or whats-app +1(323)-723-2568

Susan Morgan
Susan Morgan
Jul 24, 2021

Dear Sir / Madam Do you need funds to start up your own business? Do you need loan to settle your debt or pay off your bills or start a nice business? Do you need funds to finance your project? We Offers guaranteed loan services of any amount and to any part of the world for (Individuals, Companies, Realtor and Corporate Bodies) interest rate of 2% within 1 year to 50 years repayment duration period to any part of the world. We give out loans within the range of $1,000 to $100,000,000 USD. Our loans are well insured for maximum security is our priority. For application and more information send replies to the following Lender's Name: Scott Tucker Lender's Email: scotttuckerloanfund@gmail.com What app Number: +16182279611

liu wei
liu wei
Jul 29, 2021

Lottery is something majority of the people in the world want to win, not only winning the lottery, but they want to win big, i have been playing the lottery for couple of years now, but i haven,t really win big, personally i always think there is something behind all those winners who always win big, because my intense always tell me that every thing is possible, i manage to get in contact with one of the biggest lottery winner in the UK, i asked him about the success, and he referred me to a very powerful voodoo doctor, (Dr Lucas), he is indeed a great man who i explained to , without no hidden details , (i really want to win the lottery so bad ) he put to work and few days latter he gave me numbers that never fails , these numbers was what i played and i won £3,000000,00, 3 Million pounds , (Dr Lucas)  is blessed , you too can change your life too with his help, contact Email: Drlucasspelltemple@gmail.com

Love Spell
Love Spell
Jul 30, 2021

Today makes it one years since Dr Kwale helped me with his powerful love spell to bring my man back to my arms. I’m really happy. In case you are depressed thinking of how to get back with your ex , I will kindly recommend Dr. Kwale to you now. Contact for Kwale via his email kwaletemple@gmail.com for his help.

jose
jose
Jul 31, 2021

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Paul Regan
Paul Regan
Aug 2, 2021

Fake Driving Licence UK Welcome to Novelty DMV Experts Best Producers of High Undetected Drivers License . We produce two types of documents qualities. 
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With the Drivers License , all your biometric details as given from birth or any of your choice will be registered under the DMV or DVLA database system that can be verify from any other country with no problems involved, meanwhile with the camouflage quality Fake drivers License , non of your biometric details will be under the government system, but it can not be detected as fake with naked eyes, except with the use of machines. Visit our website on https://noveltydmvexperts.com/fake-driving-licence/ you can contact us via Whatsapp +1(408) 872-5899 or Wickr ..... Octapustickets for fast response on how it works with your desired type. Thanks and waiting to Hear from you soon

Felipe Dylan
Felipe Dylan
Aug 2, 2021

To anyone out there who thinks love spells don't work, I’m here to tell you that Lord Zakuza love spell is the best and most powerful. I am a wealthy man who has lots of assets and possessions but I have difficulty with women. Whenever I try to settle down with any, we end up breaking up and I had no idea of why I was going through such an experience in my relationship. It was so worrying that I couldn’t be myself anymore and I started searching for help everywhere even at my place of work. I was going through my work activities online and I came across a testimony of a lady called ( Febe Anouk ) regarding how Lord Zakuza helped her to restore her relationship with his love spell, I had to give it a try and I visited Lord Zakuza and I told him everything I was going through. Lord Zakuza consoled and promised to help me out with my situation by preparing a love spell for me. I followed the instructions given by him to me and within 48 hours, my Ex lover came looking for me and pleaded for forgiveness. Since I came in contact with Lord Zakuza, things have changed for good in my life and right now, I am married with two beautiful kids and my home is blessed. All thanks to Lord Zakuza I am forever thankful to you. WhatsApp him on +1 740-573-9483. Try him and your life will be blessed.

liu wei
liu wei
Aug 2, 2021

Lottery is something majority of the people in the world want to win, not only winning the lottery, but they want to win big, i have been playing the lottery for couple of years now, but i haven,t really win big, personally i always think there is something behind all those winners who always win big, because my intense always tell me that every thing is possible, i manage to get in contact with one of the biggest lottery winner in the UK, i asked him about the success, and he referred me to a very powerful voodoo doctor, (Dr Lucas), he is indeed a great man who i explained to , without no hidden details , (i really want to win the lottery so bad ) he put to work and few days latter he gave me numbers that never fails , these numbers was what i played and i won £3,000000,00, 3 Million pounds , (Dr Lucas)  is blessed , you too can change your life too with his help, contact Email: Drlucasspelltemple@gmail.com  ...

Mrs. Santana Valdez
Mrs. Santana Valdez
Aug 3, 2021

i am giving this testimony cos l am happy My name is Mrs. Santana Valdez from Houston,taxes.i never believed in love spells or magic until i met this spell caster once. when i went to Canada in June 28th 2021 this year on a business summit. i meet a man called Dr Zuma zuk.He is powerful he could help you cast a spells to bring back my love's gone, misbehaving lover looking for some one to love you, bring back lost money and magic money spell or spell for a good job. i'm now happy & a living testimony cos the man i had wanted to marry left me 3 weeks before our wedding and my life was upside down cos our relationship has been on for 2 years. i really loved him, but his mother was against me and he had no good paying job. so when i met this spell caster, i told him what happened and explained the situation of things to him.. at first i was undecided, skeptical and doubtful, but i just gave it a try. and in 6 days when i returned to taxes, my boyfriend (is now my husband ) he called me by himself and came to me apologizing that everything had been settled with his mom and family and he got a new job interview so we should get married..i didn't believe it cos the spell caster only asked for my name and my boyfriends name and all i wanted him to do. well we are happily married now and we are expecting our little kid, and my husband also got a new job and our lives became much better. in case anyone needs the spell caster for some help, email address spiritualherbalisthealing@gmail.com Great Zuma zuk i thank you very much thank you in 1000000 times.. if not you i would have been losted and wasted thank you. Email Him Through his email address... spiritualherbalisthealing@gmail.com please make sure you contact him for any financial difficulties okay...What a powerful man such as Dr Zuma zuk.. he is so much powerful..\\ email him for any difficulties.. spiritualherbalisthealing@gmail.com His whatsapp +15068001647

Corine Harris
Corine Harris
Aug 3, 2021

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Amber Luke
Amber Luke
Aug 9, 2021

On several occasions Kenny threatens to break up with me if I dare question him about his affair with other girls, I was totally devastated and confused until an old friend of mine told me about a spell caster on the internet Dr Ilekhojie who help people with their relationship and marriage problem by the powers of love Spells, At first I doubted If such thing ever exists but decided to give it a try, When I contact him, he told me about how it is done and he ensured that i was fine with all the processes and assured me of my desire. Wiithin 28 Hours Kenny called me and started apologizing that he woke up reflecting on all he has done to me. I was very shocked because Kenny is not always the type that is sorry for anything but he became loving and caring ever since. If you need similar help, Here’s his contact.. CALL/WHATSAPP/VIBER: +2348147400259 or Email; (gethelp05@gmail.com)

wizard
wizard
Aug 10, 2021

My names are wizard William, I'm a citizen of United State of America, I reside here in California down-town, lives with two kid's I had a divorce case with the father of my two kids and we got divorced. After a year I found myself in a very romantic relationship so I moved in with my new boyfriend who shows care and affection, he actually makes me feel very comfortable and took my kids like his, he wasn't working anyway so I was taking care of the bills why he looks after kids and takes care of house chores. We decide to have savings on his account and we plan to run a business which leads the saving, it was two years after when I noticed his changes, probably I should have noticed before I did but I spend long hours at work and also trusted him so I didn't border myself in monitoring him, it was kind of late when I noticed he has a kid's outside and also dating two ladies outside our relationship, really didn't want to believe the story when a doctor friend of mine informed me, I decided to investigate myself but I couldn't, I was then referred to a Cyber hacker wizard popularly known as Wizard Harry, I reached him via wizardwilliammitnickquickrecovery@inbox.lv.net he responded and ask me to WhatsApp him for a quick response through +1 (559) 851-5537. after reaching out to him and accepting the cost of the service he got into the job and have my spouse iPhone cloned when I read his private conversation I got crazy and my life was ruined, my heart got divided to known the truth that I wished I never knows the truth after I got to know the truth I ended the relationship. today I'm with a good man who actually doesn't cheat, have carried some investigation about him and no single bad report, he is what he said he is. I advise everyone to reach out to wizard Harry over a similar case like mine. Wizard william is one in trillions.

blank atm card
blank atm card
Aug 11, 2021

We are professional ,we get your work done in less than 24 hours. We provide the following services and more; * HACK INTO WHATSAPP, FACEBOOK, EMAIL BOX, INSTAGRAM, TEXT MESSAGES ETC. * RECOVER YOUR MONEY FROM ANY KIND OF SCAMMERS. * FREE BITCOIN LOADING AND PAYPAL LOADING, WE SHARE ON %. * MOBILE PHONE MONITOR/HACK. * HACK AND CHANGE UNIVERSITY GRADES * HACK INTO ANY BANK WEBSITE AND DO MONEY TRANSFER. * HACK INTO ANY COMPANY WEBSITE. * HACK INTO ANY GOVERNMENT AGENCY WEBSITE. * HACK INTO ANY DATABASE SYSTEM AND GRANT YOU ADMIN PRIVILEGES. * HACK PAYPAL ACCOUNT. * HACK WORDPRESS BLOGS. * SERVER CRASHED HACK. *Increase Credit Scores *western union, bitcoin and money gram hacking *criminal records deletion *BLANK ATM/CREDIT CARDS * Untraceable IP and so much more.... * We can restore LOST FILES AND DOCUMENTS , no matter how long they have been missing. NOTE: If you refer a client to us as a result of the previous job done for you, you will stand a chance of getting any job of your choice hacked for you free of charge. We can also teach you how to do the following with our ebook and online tutorials * Hack and use Credit Card to shop online. * Monitor any phone and email address. * Hack Android & iPhones. * Tap into anybody’s call and monitor their conversation. * Email and Text message interception. For more information contact us at Email:Creditcards.atm@gmail.com WhatsApp: +1(539) 888-2243

Osacr Alex
Osacr Alex
Aug 13, 2021

Have you been defrauded by deceptive Bitcoin traders? Or are you seeking to recover funds you lost on telegram accounts to take over hackers/rippers?. I personally will recommend no one other than albertgonzalezwizard (@) gmail com This is the least I could do for them after they saved my life by helping me recover up to 3.966BTC in less than two weeks from an online ripper lately. I got referred to them via my colleague at work , they also helped his spouse recover tokens and coins lost to scams .I'm glad I got in contact with this specialist because I would have most likely fallen victim to another online fraudster all in the name of them trying to help me. I owe this people a lot because it is so hard to see legit help online. Are you having similar issues with your BTC Wallet,Don't get scammed by these online fraudsters, contact albertgonzalezwizard (@) gmail com they are the most efficient and most trusted recovery expert on here Whatassp +31684181827 or Telegram: +31687920980

mcstrlings
mcstrlings
Aug 18, 2021

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Blank ATM
Blank ATM
Aug 21, 2021

GET RICH WITH THE USE OF BLANK ATM CARD FROM. I'm here to testify about how I used a BLANK ATM CARD that I got from a hacker to make money and also have my own business today. Go get your blank ATM card today and be among the lucky ones. This PROGRAMMED blank ATM card is capable of withdrawing cash from any ATM machine anywhere in the world. It has really changed people's lives for good and now I can say I am rich and I can never be poor again. You can withdraw the maximum of $5,500 daily i can proudly say my business is doing fine and i have up to $ 1,000 000 (1 millions dollars in my 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 on how to get yours today, contact the hackers via WhatsApp number: (+17185324661)OR E-mail: (freeblankatmcards@gmail.com)

elizabert
elizabert
Sep 2, 2021

I have being hearing about this blank ATM card for a while and i never really paid any interest to it because of my doubts. Until one day i discovered a hacking guy called Mr. Oscar White, he is really good at what he is doing. Back to the point, I inquired about The Blank ATM Card. If it works or even Exist. They told me Yes and that its a card programmed for random money withdraws without being noticed and can also be used for free online purchases of any kind. This was shocking and i still had my doubts. Then i gave it a try and asked for the card and agreed to their terms and conditions. Hoping and praying it was not fake. One week later i received my card and tried with the closest ATM machine close to me, It worked like magic. I was able to withdraw up to $6000. This was unbelievable and the happiest day of my life with my girlfriend Laurel. So far i have being able to withdraw up to $78000 without any stress of being caught. I don't know why i am posting this here, i just felt this might help those of us in need of financial stability. blank ATM has really change my life. If you want to contact them, Here is the email address: oscarwhitehackersworld@gmail.com ,whats-app +1(209)-643-1515

johnson belly anthony
johnson belly anthony
Sep 2, 2021

Investing online has been a main source of income, that's why knowledge plays a very important role in humanity, you don't need to over work yourself for money.All you need is the right information, and you could build your own wealth from the comfort of your home!Binary trading is dependent on timely signals, assets or controlled strategies which when mastered increases chance of winning up to 90%-100% with trading. It’s possible to earn $10,000 to $20,000 trading weekly-monthly, just file a complaint with Mr. William, I had almost given up on everything about binary trading and ever getting my lost funds back, till i met with him, with his help now i have my lost funds back to my bank account and I can now trade successfully with his profitable strategies and software!! Email: GLOBALFXINVESTMENT3@GMAIL.COM

Chiang Tony
Chiang Tony
Sep 3, 2021

Hello everyone , here’s your opportunity for you to achieve your dreams of being a multi million dollar rich through trading , I once loss all I got through trading but was fortunate to come across a woman with great virtue and selfless heart (Doris ) i was introduce to her masterclass strategy while searching online which has revived me of all my losses and made me gain more and more . With her unique strategy you are entitled to daily signals and instant withdrawals ,be rest assured of getting a refund of all your lost investment with any platform that has denied you in one way or the other in getting your money . Mrs Doris masterclass strategy is simply the best for beginners and those that are finding it difficult to succeed through trading she’ll help you with just a simple step . Email her ( Dorisashley52@gmail. com or Dorisashley52@protonmail.com or WhatsApp her +351 968 942 567 for positive results

Debi Mitchell
Debi Mitchell
Sep 4, 2021

My name is Debi Mitchell! I'm here to testify about Mr Larry Blank ATM Cards which can withdraw money from any ATM machines all over the world. I applied for the Blank Card to my greatest surprise I have used it to get 24,000 dollars. You can withdrawal up to $1,200 per day. You can also use it to shop online and attach it to your PayPal account. The card is already been hack, loaded and programmed with fund. If you want to get one for yourself, contact him via his email: (Larrypatrick_k@aol.com) WhatsApp number: +1 (901) 235-9551 Do not miss this great opportunity.

Glenda his
Glenda his
Sep 6, 2021

I've gotten back with my ex boyfriend with the help of Dr.OYINBO, the best spell caster online and I highly recommend Dr.OYINBO to anyone in need of help!.. I want to testify of how i got back my boyfriend after he breakup with me, we have been together for 3 years, recently i found out my boyfriend was having an affair with another Girl, when i confronted him, it led to quarrels and he finally broke up with me, i tried all i could to get him back but all to no avail until i saw a post in a relationship forum about a spell caster who helps people get back their lost love through Love spell, at first i doubted it but decided to give it a try, when i contacted this spell caster via his email, and he told me what to do and i did it, Then he did a Love spell for me. 28 hours later, my boyfriend really called me and told me that he misses me so much, So Amazing!! So that was how he came back that same day, with lots of love and joy, and he apologized for his mistake, and for the pain he caused me. Then from that day, our relationship was now stronger than how it were before, All thanks to DR.OYINBO. he is so powerful and i decided to share my story on the Internet that Dr.OYINBO real and powerful spell caster who i will always pray to live long to help his children in the time of trouble, if you are here and you need your Ex back or your husband moved to another woman, do not cry anymore, contact this powerful spell caster now. Here’s his contact: Email prophetoyinbojesus@gmail.com or Call/Whats App:+2348074066640

Larry Baier
Larry Baier
Sep 7, 2021

I am Larry Baier. I can never stop thanking Dr Graceondu for transforming my life, i have been paying lottery games for a very long time and i have never one day win any game, i met a friend whom i complained to about my inability to win and he introduced me to Dr Graceondu whom helped his life by giving him a game that he played and he won $150,000 so i contacted him through his email and he assured me that i will wine big once he give me a game to play, he asked me to give him two day so he can make prayers to his gods so that the winning numbers will be revealed to him, so i waited for the two days the second day he sent me the number to play, so i went to play the game i never had it in my mind that i was going to win such amount of money, so on that faithful day i went to check the game on April 16, 2021 and behold i got the biggest shock of my life i won $2,000,000 and from that moment my life changed. all thanks to Dr Graceondu, i want to also advice everyone out there to also contact him if you have been playing lottery and you have never won. You can reach him via his email, drgraceondu12@gmail.com or WhatsApp him +15204677763, you can also visit his Website @ https://drgraceonduadodo.com

philip dan
philip dan
Sep 17, 2021

Hello Everyone, I am from Ohio United states, i just want everyone to know about dr lucas. he helped me win a lot of money few weeks ago on lottery, i have played a couple of times and i have never won, i contacted him and he gave me some lucky winning numbers, and he also instructed me on how to go about it, i played and i won $50,000,000 FIFTY MILLION DOLLARS, i have never seen such money all my life, but with the help of dr lucas now i have that much. If you ever need help in winning the lottery, do not hesitate to contact him, he will always be there to help you. contact him via his Email: drlucasspelltemple@gmail.com ....

perez turner
perez turner
Sep 19, 2021

I am Perez Turner from Australia , i want to thank Mr Luis Donald for the help he rendered me with the Blank Atm Card that save my life and my family , i lost my job last year during Corona Virus and ever since then it has been very difficult to take care of my family and pay other bills,while hunting for job online i came across one Lady testimony about Mr Luis Donald Blank Atm Card that help her with capital money to start up a business , at first i was scared to contact him because of the trending news about scams, i told my wife about it and she told me to take the risk and i contacted Mr Luis Donald for the card ,after 2-3 days i received the card from him and follows his instruction on how to used the card ,am so happy today to share this because I have use it to get 45,000 dollars. withdraw the maximum of 3,500 USD daily. Luis Donald is giving out the card just to help the poor. Hack and take money directly from any atm machine vault with the use of atm programmed card which runs in automatic mode.hurry now and contact him on how to get yours.Email: besthackersworld58@gmail.com Text & Call or WhatsApp:+1(475)-701-0611

joel alvarez
joel alvarez
Sep 26, 2021

Hello, are you guys ready to make real cash??? No dull moments anymore. No more depending on cheap checks every week. Get thousands of dollars or any currency of your choice and make this life worth living for. Order for a blank ATM card now. How does it work? Our cards are loaded with a balance of $5000 to $100,000.00 with different daily withdrawal limits depending on the card you are buying and you can use the blank atm card to shop online and withdraw cash from any ATM machine closer to you.★ Is this real? Yes, as shown in the video we withdrew cash multiple times without any issues. You can do it too.★ Can I be traced? No, your withdrawal/transactions are completely anonymous.★ Can I trust this method? Yes, we have not had any issue when doing this for the past 5 years now.★ Are people using this ATM card? Absolutely, alot of people {our trusted customers) have quit their jobs to withdraw money on a daily basis. ★ How do I get my card? We will ship your Blank Card /wa pin hours after receiving cleared payment through a courier service International and give you the tracking details of your card, 2-4 business day delivery service. Once you receive the card you can start cashing out. ★Is this real? YES: we are 100% real and have been doing this since 2015 Contact us to order a working blanK ATM Card that you can use to withdraw a minimum amount of $1000 and maximum amount of $10,000 daily withdrawal limit. Online maximum purchase limit is $30,000. They also trade on Bitcoin Contact via email: mrmichealblankatmcard@gmail.com or WhatsApp/call: ‪+1 (631) 310‑4959‬

maama razaq
maama razaq
39 mins ago

Most Powerful Love Spells Caster +27735257866 in South Africa,UK,USA,Spain,Sweden,Canada,UAE,Malta,Brunei,Japan,Ireland,Turkey,Luxembourg,Iceland,Norway,Australia,Qatar,Croatia,Austria,Denmark,Netherlands,Romania,Belgium,Greece,Belarus,New Zealand,Switzerland,Cyprus,Poland,Estonia,Egypt,Fiji,Wales,Bahamas,Taiwan,Indonesia,Singapore,Czech Republic,Serbia,Palau,Lithuania,Malaysia,France,Bulgaria,German,Jordan,Chile,Algeria,Zambia,Zimbabwe,Botswana,Lesotho,Italy,Philippines,Honduras,Finland,Hungary,Mexico,Macedonia,Argentina,Syria,China,Hong Kong,Myanmar,Kuwait,South Korea,Morocco,Tunisia,Libya,Sudan,San Marino,Israel.. Contact +27735257866 (Call/WhatsApp) OR Email:sheikhmbuga5@gmail.com https://maamarazaq.doodlekit.com http://bestlovespells.over-blog.com https://mamarazaq.blogspot.com https://maamarazaqspellscaster.podbean.com Maamarazaq a gifted spiritual healer and spells caster who may sort your issues and problems.“I Cast spells”. With the help my spiritual powers, my spell casting is done in a unique way to help in your problems. If you have been disappointed by other spell casters and healers who have failed to provide you with the results they promised you and you’re stuck with no option of happiness. It’s never too late for your problems to be solved, it’s time to have a change in life for the better and don’t just sit back and think your worst situation cannot be changed for better because GOD helps those who help themselves,could submit to me your details I may be in position to help you out. 1) DO YOU HAVE A PROBLEM IN YOUR LOVE, IS IT DETERIORATING? I think your partner is no longer interested in you. -You might think that there is no other solution. I offer solutions for all love related problems. I could strengthen bonds in all love relationships and marriage. 1) DO YOU WANT AN EVERLASTING LOVE WITH YOUR PARTNER? 2) I may restore love and happiness when relationships break up or down. 3) I may bring back your lost love. 4) I may help you look and choose for the best suitable partner when you can’t break the cycle of loneliness. 5) I may help to keep your partner faithful and be loyal to you alone. 6) I may create an everlasting love between couples.

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