Payday lenders: the need for urgent action

On 3 February, the House of Commons will vote on whether to support the introduction of a series of caps on the amount that payday and home credit lenders can charge for credit. The vote comes at a time when the UK has accumulated one of the highest levels of personal debt in the world. In April last year, British people owed over £1,460bn in private debt.

Damon Gibbons is the chief executive of the Centre for Responsible Credit; here he writes in support of the a backbench motion in the House of Commons to introduce more thorough legislation of payday and home credit lending

On February 3rd, the House of Commons will vote on whether to support the introduction of a series of caps on the amount that payday and home credit lenders can charge for credit. The vote comes at a time when the UK has accumulated one of the highest levels of personal debt in the world.

In April last year, British people owed more than £1,460 billion in private debt. Borrowing money is sometimes essential, whether to enable a person to pay for training courses, start a business or buy a house. However, there is a point at which borrowing can become unmanageable for individuals, especially if the terms of any loan are high cost or if the interest rates charged start to rise.

Four in ten people are worried about their current level of debt, with three million fearing redundancy and two million having taken on more debt in recent months. According to the Association of Business Recovery Professionals, one in ten people frequently struggle to make it to payday, with money tending to run out on the 20th day of the month.

Since the start of the recession, mainstream lenders such as high-street banks have been much less willing to lend money. More people must turn to unsecured lending such as payday, doorstep and hire purchase lenders; furthermore, rising unemployment, housing costs and VAT prices could leave many families struggling to make ends meet.

This market is now used by around three million people in Britain. In 2009, the payday lending industry was worth over £1.2bn, more than three-and-a-half times larger than in 2006, a Consumer Focus report has shown.

One in ten UK payday customers have incomes of less than £11,100 per year according to research carried out for the Friends Provident Foundation. One in eight people who contacted the Consumer Credit Counselling Service charity during the first half of 2010 for help with their unsecured debts were claiming Jobseeker’s Allowance, and 11% of lone parent households use “non-mainstream” (i.e. payday, home credit or pawnbroking) loans, compared to 3% of households overall, a December 2010 YouGov poll revealed.

Because six lenders account for 90% of home credit, there is little competition to drive interest rates down. Given this lack of competition, interest rates are artificially high. The APR for payday lenders often begins at 600% and can escalate to 2,500% or more. And home credit lenders, who make home visits in order to collect repayments for their short-term loans, can charge £82 in interest and collection charges for every £100 lent.

Backbench MPs have tabled the Consumer Credit Regulation and Advice Bill which includes measures to tackle the uncompetitive nature of this market and increase access to affordable credit for the poorest consumers. It has not yet received government support. However, on February 3rd parliamentarians have a key opportunity to impress upon ministers the need for action.

They will vote on the introduction of caps on the amount that can be charged for supplying credit by a regulator in areas of the market which are uncompetitive or where there is evidence of irresponsible lending. The caps, which would be set at different levels for different types of loan, would ensure that payday and home credit lenders would no longer be able to take advantage of the lack of competition in the market and the vulnerability of their customers.

Crucially, this measure is not the same thing as capping interest rates or APR. It allows for multiple caps to be set depending on the different types of products and the nature of the market for them which can be reviewed on a regular basis as the market responds to this intervention.

This is preferable to APR as this can be distorted by the length of time a loan is taken out as a way of measuring the actual cost of a loan. Using the total cost of credit provided rather than APR means the regulator can set different caps for short-term loans and longer-term loans and take account of where there is evidence of any irresponsible activity by lenders in determining what caps to set for each product.

Secondly, because it is calculated on the total cost of credit rather than the interest rate charged alone, it takes into account any additional default, late payment or administrative charges that the lender may seek to include as part of the credit deal to compensate for the impact of the cap on the rates they charge. This would help avoid surprises for the consumer being hidden in the small print of any loan agreement.

Capping the total costs of credit is not an idea plucked out of thin air. Evidence from around the world demonstrates that it is perfectly possible to regulate the payday and home credit markets without adverse effects – all it takes is political will.

While extending access to alternative sources of affordable credit is important, this will take many years to do across the UK.

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98 Responses to “Payday lenders: the need for urgent action”

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    Loan Duration:_________
    Phone Number__________
    Monthly Income/Yearly Income:_________
    Purpose for Loan:_________
    Occupation:_________
    How Soon is Loan Needed__________

    Email via: albertbrownfirm@outlook.com

  26. ST MARK LOAN FIRM

    ST MARK LOAN FIRM
    Head office==912 Coeur D Alene Avenue venice, CA 90291.united kingdom
    EMAIL:stmarkloansetup@gmail.com
    ========================
    This is a Christian and a charitable loan Organization formed to help
    people in need of help and such as financial help.
    So are you are going through financial difficulty ?
    Or you are in any financial mess?
    =======================
    We give out loans from the range of $1,000 to $90,000,000 USD,at 2.0%
    interest rate Our loans are well insured and maximum security is our
    priority,ST MARK LOAN FIRM is a legitimate and well known
    British approved loan lending company.
    ======================
    LOAN APPLICATION FORM
    PREFIX {MR.,MRS.,MiSS.,DR.,etc.}
    1)YOUR NAME
    2)YOUR COUNTRY
    3)YOUR OCCUPATION
    4)YOUR MARITAL STATUS
    5)PHONE NUMBER
    6)MONTHLY INCOME
    7)ADDRESS
    8)PURPOSE OF LOAN
    9)LOAN REQUEST
    10)TELEPHONE
    11)LOAN DURATION

    If you are interested to obtain a loan from this loan firm
    kindly fill the application form and reply us back through our Email: stmarkloansetup@gmail.com
    Thanks and Regards
    REV DAVID WILLIAMS

  27. BERRY GLENN

    We give out loans from the range of $9,00usd to $90,000,000 USD

    Our loans are well insured and maximum security is our priority,at an

    interest of 2% rate,

    We give out our Loan in USD($) and GBP(£) and any currency of your choice.

    Available Loans we offer are,

    * Personal Loans (Secure and Unsecured)

    * Business Loans (Secure and Unsecured)

    * Combination Loan

    * Consolidation Loan And Many More:

    Interested clients should please fill our application form below-

    LOAN APPLICATION FORM { ONLINE FORM }

    PREFIX {MR.,MRS.,MS.,DR.,etc.}

    1)YOUR NAME……………….

    2)YOUR COUNTRY…………….

    3)YOUR OCCUPATION………….

    4)YOUR MARITAL STATUS………

    5)PHONE NUMBER…………….

    6)MONTHLY INCOME…………..

    7)ADDRESS…………………

    8)PURPOSE OF LOAN………….

    9)LOAN REQUEST…………….

    10)TELEPHONE………………

    11)LOAN TERMS AND DURATION….Our company mailing contact box is

    via-[]

    THANKS,

    BARRY GLENN

    http://www.securetrustloanfirm.webs.com

    EMAIL –barryglenn800@gmail.com

    SECURE TRUST LOAN FIRM

  28. BARRY GLENN

    We give out loans from the range of $9,00usd to $90,000,000 USD

    Our loans are well insured and maximum security is our priority,at an

    interest of 2% rate,

    We give out our Loan in USD($) and GBP(£) and any currency of your choice.

    Available Loans we offer are,

    * Personal Loans (Secure and Unsecured)

    * Business Loans (Secure and Unsecured)

    * Combination Loan

    * Consolidation Loan And Many More:

    Interested clients should please fill our application form below-

    LOAN APPLICATION FORM { ONLINE FORM }

    PREFIX {MR.,MRS.,MS.,DR.,etc.}

    1)YOUR NAME……………….

    2)YOUR COUNTRY…………….

    3)YOUR OCCUPATION………….

    4)YOUR MARITAL STATUS………

    5)PHONE NUMBER…………….

    6)MONTHLY INCOME…………..

    7)ADDRESS…………………

    8)PURPOSE OF LOAN………….

    9)LOAN REQUEST…………….

    10)TELEPHONE………………

    11)LOAN TERMS AND DURATION….Our company mailing contact box is

    via-[]

    THANKS,

    BARRY GLENN

    http://www.securetrustloanfirm.webs.com

    EMAIL —barryglenn800@gmail.com

    SECURE TRUST LOAN FIRM

  29. sandra lixxy

    HELLO WELCOME TO SHARP MARK LOAN HOUSE
    Are you a businessman or woman? You are financially stressed or do
    you need funds to start your own business? Need to settle
    The debt or a loan to pay off your bills or start a nice business? You
    Have a low credit score and you are finding it hard to the credit
    Of the local banks and other financial institutions? Do you need a loan
    or funding for any reason? Such as:
    a.) Personal Loan, Business Expansion
    b.) Business Start-up and Education
    c.) Debt Consolidation.
    We offer loans at low interest rate of 2%, and no credit check, you can
    Offer personal loan, debt consolidation loan, venture capital,
    Business loans, education loans, home loans or “loans for any reason!
    We offer any much of loan here in star company
    (sharpmarkloancompany1212@gmail.com)
    FILL THE LOAN FORM FOR DETAILS.
    ===============================
    Borrower’s Full Name:
    Country:
    State:
    Contact Address:
    Contact Cell Phone Number:
    Sex:
    Age:
    Amount Needed As Loan:
    Duration for the Loan:
    Monthly Income:
    Purpose of the Loan:
    Best Regards,
    Mr. SHARP MARK
    Loan Officer/ CEO
    Reply via email: (sharpmarkloancompany1212@gmail.com)

  30. BARRY WILLIAM

    We give out loans from the range of $9,00usd to $90,000,000 USD

    Our loans are well insured and maximum security is our priority,at an

    interest of 2% rate,

    We give out our Loan in USD($) and GBP(£) and any currency of your choice.

    Available Loans we offer are,

    * Personal Loans (Secure and Unsecured)

    * Business Loans (Secure and Unsecured)

    * Combination Loan

    * Consolidation Loan And Many More:

    Interested clients should please fill our application form below-

    LOAN APPLICATION FORM { ONLINE FORM }

    PREFIX {MR.,MRS.,MS.,DR.,etc.}

    1)YOUR NAME……………….

    2)YOUR COUNTRY…………….

    3)YOUR OCCUPATION………….

    4)YOUR MARITAL STATUS………

    5)PHONE NUMBER…………….

    6)MONTHLY INCOME…………..

    7)ADDRESS…………………

    8)PURPOSE OF LOAN………….

    9)LOAN REQUEST…………….

    10)TELEPHONE………………

    11)LOAN TERMS AND DURATION….Our company mailing contact box is

    via-[]

    THANKS,

    Barry Williams

    http://www.securetrustloanfirm.webs.com

    EMAIL –Barrywilliams5000@gmail.com

    SECURE TRUST LOAN FIRM

  31. NATION WIDE

    NATION WIDE LOAN FINANCE SERVICES

    HEAD OFFICE–3 Basinghall Avenue,UNITED KINGDOM

    EMAIL ADDRESS–[nationwideloans644@gmail.com]

    ——————————————————

    We give out loans from the range of

    $1,000 to $90,000,000. Our loans are well insured and maximum security

    is our priority, at an interest of 2% rate.

    If you need any of these kinds of loan,you will have to fill the

    below form below.

    APPLICATION FORM

    Name:—————-

    Address:————-

    Sex:—————–

    Country:————-

    Occupation:———-

    Loan Amount———-

    Purpose of loan——

    Loan Duration——–

    Phone Number:——–

    STAY BLESS

    ALICIA ROGER

    EMAIL ADDRESS–[nationwideloans644@gmail.com]

    http://www.nationwideloanserves.webs.com

    NATION WIDE LOAN FINANCE SERVICES

  32. IDIALU JOHNSON

    APPLY FOR YOUR URGENT LOAN TODAY AND HAVE IT
    IN YOUR BANK ACCOUNT
    WITHIN THE NEXT 48 HOURS FOR MORE INFORMATION
    CONTACT US WITH THE
    BELOW INFORM VIA OUR
    EMAIL: jubileelifeloan@outlook.com
    FULL NAME:
    COUNTRY :
    LOAN AMOUNT :
    DURATION:
    PHONE NUMBER:

  33. Lewis Katharina

    I am a certified and a registered financial service lender i give out loan of all kinds in a very fast and easy way, Home financial service , Student financial service , Business financial service , Investor financial service etc.i offer financial service to every individuals, firms, and company that are in need of financial assistance i in a low interest rate of 2%. Dear readers you should note that this offer is for serious minded individual, firms and companies.Do not let this opportunity pass you by.get your finances to solve your financial problems.email
    asylumloanfirm@aol.com or asylumloanfirm@zoho.com

  34. Edwin Wallace

    Your Story*I am Mrs Jessica, currently living in Cape town, South Africa.I am a widow at the moment with three kids and i was stuck in a financial situation in Dec 2013 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit. But as God would have it, I was introduced to a Man of God a private loan lender who gave me a loan of $85,000USD and today am a business owner and my kids are doing well at the moment, if you must contact any firm with reference to securing a loan without collateral , no credit check, no co signer with just 2% interest rate and better repayment plans and schedule, please contact Mr Daniel Jones. He doesn?t know that am doing this but am so happy now and i decided to let people know more about him and also i want God to bless him more.You can contact him through his email: fidelityloanfirm@outlook.com

  35. Craig Robinson

    Hello,

    Are you tired of Seeking Loans and Mortgages, have you been turned down constantly By your banks and other Financial Institutions or micro finance scheme. This is to let you know with 100% guarantee that

    we Offer loans

    ranging from $ 2,000 to $ 500,000,000 at 3% interest rate per Month. We give out LOANS for developing business. a competitive edge/business expansion. Be rest assure that We are certified, trustworthy,

    reliable, efficient, Fast

    and dynamic. and a co-operate financier for real estate and any kinds of business financing, we give out long term loan for 6 Month to 30 years maximum and all interest rate and calculate and allow to be pay

    annually . We offer the

    following kinds of loans and many more; We offer the following loans to individuals-

    *Personal Loans

    *Commercial Loans

    *Investments Loans

    *Development Loans

    *Consolidation Loans

    *Student Loans

    *Car Loans*

    *Mortgage Loans

    *Acquisition Loans

    *Construction loans

    Business Loans And many More: If you are highly interested in our loan offer, kindly contact us via our e-mail id below. ( n_loans@hotmail.com )

    n_loans@hotmail.com

    Mr. George Coleman

  36. pyramid clinic

    Good Day Sir/ Madam

    Do you have a low credit score and you are finding it hard to obtain capital loan from local banks/other financial institutes? Do you need a loan or funding for any reason such as :

    a) Personal Loan, Business Expansion ,

    b) Business Start-up ,Education,

    c) Debt Consolidation ,

    d) Hard Money Loans

    We offer loan from $2,000.00 to $500,000,000.00 at affordable interest rate and with no credit check ,we offer Personal loans, debt consolidation loans, venture capital, business loans, education loans, home loans or “loans for any reason!”.

    However, Our method, offers you the chance to state the amount of loan needed and also the duration you can afford , This gives you a real chance to get the funds you need! Any interested Applicants should get back to us via email: interbiucreditunion60@gmail.com for application info

    E-mail: interbiucreditunion60@gmail.com

  37. REV ROBERT CHAPMAN

    My name is AUDREY LONGLEY, am from NEW JERSEY ,IN UNITED STATE OF AMERICA, me and my

    family are happy today because

    REV COREY GILIBERTUS saves my daughter,s life by giving me a smooth and easy loan

    amount of $450 000 from his christian and reliable

    loan firm named OUR LADY OF GRACE LOAN FINANCE CENTER .

    I have been a victim of online scams 5 times, till my brother,s wife introduced me to

    REV COREY GILIBERTUS,C.E.O of

    OUR LADY OF GRACE LOAN FINANCE CENTER

    .

    I was in need for the sum of $450 000 for my daughter,s treatment abroad, and i decided

    to apply for a loan from

    OUR LADY OF GRACE LOAN FINANCE CENTER , i was so surprise my loan was approved and

    granted without any form collateral ,

    no cosigner and with just 1.2 interest rate.

    Am making this testimony today to every one out there who is in financial crises and in

    need of loan badly to contact

    OUR LADY OF GRACE LOAN FINANCE CENTER with the email address below—

    [ourladyofgraceloancenter@gmail.com].

    Once again i must say thank you REV COREY GILIBERTUS for savin

  38. REV ROBERT CHAPMAN

    My name is AUDREY LONGLEY, am from NEW JERSEY ,IN UNITED STATE OF AMERICA, me and my

    family are happy today because

    REV COREY GILIBERTUS saves my daughter,s life by giving me a smooth and easy loan

    amount of $450 000 from his christian and reliable

    loan firm named OUR LADY OF GRACE LOAN FINANCE CENTER .

    I have been a victim of online scams 5 times, till my brother,s wife introduced me to

    REV COREY GILIBERTUS,C.E.O of

    OUR LADY OF GRACE LOAN FINANCE CENTER

    .

    I was in need for the sum of $450 000 for my daughter,s treatment abroad, and i decided

    to apply for a loan from

    OUR LADY OF GRACE LOAN FINANCE CENTER , i was so surprise my loan was approved and

    granted without any form collateral ,

    no cosigner and with just 1.2 interest rate.

    Am making this testimony today to every one out there who is in financial crises and in

    need of loan badly to contact

    OUR LADY OF GRACE LOAN FINANCE CENTER with the email address below—

    [ourladyofgraceloancenter@gmail.com].

    Once again i must say thank you REV COREY GILIBERTUS for saving my daughter,s life.

  39. Mr Wood Barry

    Hello Dear Sir/Madam.

    I am Mr. Wood Barry, a private money lender. I give out loans with an interest rate of 3% per annual and within the amount of $1000.00 to $500,000,000.00 as the loan offer. 100% Project Funding with secured and unsecured loans are available. 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 funds transferred to the borrower within the shortest time possible. We operate under clear and understandable terms and we offer loans of all kinds to interested clients, firms, companies, and all kinds of business organizations, private individuals and real estate investors. Just complete the form below and get back to us as we expect your swift and immediate response. EMAIL : woodbarry12123@gmail.com

    Attention!!!

    Do you have a bad credit?
    Do you need money to pay bills?
    Do you need to start up a new business?
    Do you have unfinished project at hand due to bad financing?
    Do you need money to invest in some area of specialization which will profit you? and you don’t know what to do.

    We offer the following loans below,
    personal loans[secure and unsecured]
    business loans[secure and unsecured]
    combination loans
    students loans
    consolidation loans and so many others.

    1. Full Names:……………………….
    2. Contact Address:…………………..
    3. Loan Amount Needed:………………..
    4. Duration of the Loan……………….
    5. Direct Telephone Number:……………..

    Email woodbarry12123@gmail.com

    Best Regards,

    Mr Wood Barry

  40. Beckie Smith

    Hello my name are Mrs Beckie Smith,I saw your message online requesting for a genuine private loan lender online.

    i will advice you to be very careful because most lenders online are fake she have two you can see that she a responsible lady, i will advice you contact this lender

    were i got my loan of $920,000.00usd from due to the company good services, i have decided to spread the news to honest people searching for loan.

    I have been introduce by a good friend of mine who get her

    loan from the company, if you want to testify this company

    good services.

    For your own good, do contact them for a legit loan.

    vivian_financials@yahoo.com

    vivianfinancials@gmail.com

  41. Morry Jude

    HOW I GET A LEGIT LOAN OF @ 2% INTEREST RATE
    I was not sure of getting a legit loan lender online because of the scams story i hear some years back. But when i could not face my Debt any more and my son was on hospital bed for surgery that involve huge money then i have to seeks for Assistance from friends and when there was no hope any more i decide to go online to seek a loan and i find Marian Lawson Loan company (marianlawson@outlook.com) with 2% interest Rate and applied immediately with my details as directed. Within seven Days of my application She wired my loan amount with No hidden charges and i could take care of my son medical bills, Renew my rent bill and pay off my debt. I will advice every loan seeker to contact Marian Loan Company with marianlawson@outlook.com

  42. mike williams

    Do you need a Loan?
    Are you looking for Finance?
    Are you looking for a Loan to enlarge your business?
    I think you have come to the right place.
    We offer Loans atlow interest rate.
    Interested people should please contact us on
    For immediate response to your application, Kindly
    reply to this emails below only.
    (mikeloanfirm23@gmail.com)

    Please, do provide us with the Following information if interested.
    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:………………………
    )Which site did you here about us…………………
    Thanks and Best Regards.
    (mikeloanfirm23@gmail.com)

    www.(mikeloanfirm23@gmail.com)

  43. Elvin Morrison

    Good day Loan Seekers Solution for your financial problems,

    We are a fully registered and certified loan firm, that offers secured and unsecured loans to individuals and companies at a very low interest rate of 2%. We offer long and short term loans.Our company has recorded a lot of breakthroughs in the provision of first class financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.We are a group of energetic and experienced loan professionals with thorough knowledge of financial markets.In general we offer mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans construction loans car loans, hotel loans Xmas loans Our interest rate is 2% per annual repaid, our loan takes a maximum of 3 working days,to get to all approved customers across the globe. You can contact us via elvinloancompany@yahoo.com or call on (213) 471-7152

  44. Mrs Stectalli Magret

    HE IS A GOD FEARING MAN THE OWNER OF THE LOAN FIRM WE I GOT MY LOAN AND BE CAME HAPPY AGAIN;PLEASE CONTACT HIM FOR HE IS REAL LEGTIMATE

    God has bless me with three kids and a loving husband, i promise to share this Testimony because of God favor in my life, 4 months ago i was in desperate need of money so i thought of having a loan then i ran into wrong hands who claimed to be a loan lender not knowing he was a scam. He collected $1,860 from me and refuse to email me, since then i was confuse,but God came to my rescue, one faithful Sunday i went to church after the service i share idea with a Church member and she introduce me to a loan agency called hillary peters loan firm, she said she was given $300,000 by the loan agency. I collected the loan agency email address and i emailed them on Monday morning, he told me the rules and regulation and i followed. After processing of the Documents he gave me a loan of $700,000 . Anyone can contact him through: hillarypeters10@outlook.com and i know that he must lend because they are the bes

  45. Mrs.Melissa Waiter,

    HOW I GOT MY LOAN

    Hello friends!!! My name is Linda Daniels from usa. i want to testify of the good Loan Lender who showed happiness to me after been scammed by 2 different Internet international lender, they all promise to give me a loan after making me pay alot of fees which yield nothing and amounted to no positive result. i lost my hard earn money and it was a total of 4,000USD. One day as i was browsing through the internet looking frustrated when i came across a testimony woman called Susan Allen who was also scammed and eventually got linked to a legit loan company called Morganar Ericks Loan Company and email (MorganarEricks5@gmail.com ) where she finally got her loan, so i decided to contact the same loan company and then told them my story on how i have been scammed by 2 different lenders who did nothing but to course me more pain. I explain to the company by mail and all they told me was to cry no more because i will get my loan in their company and also i have made the right choice of contacting them. i filled the loan application form and proceeded with all that was requested of me including all the charges involved and to my shock I was given a loan amount of $60,000.00 Dollars by this great Company (Morganar Ericks Loan Company} she was the Savior GOD sent to rescue my family and at first i thought it was not going to be possible because i have been scammed by 2 different lenders until i received my loan of $60,000.00 USD and now i and my family are back on feet, i will advise anyone who is in genuine need of a loan to contact Mrs Morganar Ericks a God Fearing Woman via email at Morganarericks5@gmail.com because she is the most understanding and kind hearted lender.

  46. samiya

    Hi I m very desperate I need a £1000 loan I will be returned at monthly installment basis plz help me plz how I can get loan I m very fed up by scamers any body will help me ?

  47. James Carl

    This is for those in need of financing for any purpose, we are a licensed company here in the states and a private financial firm and can lend nationwide and internationally with unbeatable interest rate and free services for those with bad credit score. for more info, call or SMS Mr. James Carl on 267-884-0582
    or simply email: jamescarl@zoho.com

  48. MR ALBERT PERMANENT

    This is to inform everyone that we offer loans to company and individuals with an interest rate of 2%. Our loans are 100% guaranteed. We offer loans for various purpose. We are approved and accredited by the government. Contact us today so you can get a loan. albertmotagetrust@gmail.com

    (BORROWERS DETAILS)

    (1) NAME:………………………….
    (2) LOAN AMOUNT IN EUROS/POUNDS:……..
    (3) LOAN DURATION:………………….
    (4) PURPOSE OF LOAN:………………..
    (5) GENDER:………………………..
    (6) COUNTRY:……………………….
    (7) OFFICE/HOME PHONE NUMBER:………..
    (8) OCCUPATION:……………………
    (9)SCAN AND ATTACH YOUR IDENTITY CARD..

    Phone:+17063918293

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