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Thursday, June 30, 2016

Home Credit Review: Easy, Simple, and Fast Loan Application


Wazzup Pilipinas!

If you haven't heard of it yet, there's a fast and easy way to purchase gadgets, appliances, or any item that you like, on installment basis.

I needed a better phone to receive text messages and calls other than the other mobile phones with bigger display screens that I use for browsing the Internet in checking my e-mails and social media accounts like Facebook, Twitter, and Instagram.

My contact lists are increasing in number every day and I needed a phone dedicated for communication tasks only, something that is small enough to fit in my pocket and one that I can easily put out to receive or send text messages and calls even while commuting.

Thus it was about time I purchase another phone. But since I also wanted to manage my budget, I thought it would be better to purchase one through installment basis so my monthly expenses will be conveniently affordable.

So one afternoon, I visited SM Megamall to check out a new smartphone when I was approached by a Home Credit representative offering to help me buy this new phone I wanted through easy installment terms. I was intrigued by this no-hassle process that only requires you to submit two valid IDs and some names and contact numbers of friends and relatives as references.




So I followed their representative and gave all the information they asked for. Don't worry, they would not require your friends or relatives to be co-makers; it was just another way of validating your identity. You will also be asked to submit a few social media accounts probably as additional methods of verifying the information you have provided. All of these checks were done during my stay in the mall, having coffee. While waiting, I got a good chat with Charles, the Home Credit representative who approached me. I found that Home Credit is present in major malls in the country. You can find them in stores like SM Appliance Center, which is where I was, as well as Abenson, Western Appliances, Silicon Valley, Memo Xpress, and Automatic Centre. They are also present in malls outside Metro Manila like Cebu, Pampanga, Batangas, Cabanatuan, among others. So my wait lasted for around 30 minutes. I got a call just after applying, followed by an SMS notifying us if our application has been approved or declined.

There would also be a cash-out requirement (down payment). The more you initially pay, the lighter your monthly payments will be.

It was indeed fast and convenient since everything was processed in probably less than an hour. In fact, it even took me longer to choose a mobile phone model. So if ever you want to buy a gadget through Home Credit, be sure to have a firm decision already on what to buy, otherwise, the process will be repeated from the start.


The guy facilitating the Home Credit application was courteous and patient enough to explain to me everything I needed to consider, and helped me out throughout the entire interview. Though it seemed I was in a job interview, the questions asked were really required to help them verify my identity.



They would also require to get your fingerprint using their scanning equipment setup. That's an added security to probably make sure no one would dare show up pretending to be you and use your identity. I'm not sure if they would also check your fingerprint scans against existing records as they would also ask you for your Social Security System (SSS) number and Tax Identification Number (TIN).

It's a great way to assure you that they are extra careful with regards to entertaining only requests from valid customers who have the capacity to pay and would not cause any disastrous consequences for the client’s budget stability.

All the information HCP receives from its customers is treated with utmost confidentiality.

 


I was approved of my loan in less than an hour and I’m now enjoying my new Samsung Galaxy J2!

I would like to thank Home Credit for the experience and would highly recommend the service to those who don’t want to pay the full amount right away. This is a great way to manage your expenses by spreading it out in easy monthly installments. They have zero interests available too, so you may want to take advantage of that.

So if you need a new gadget for all your online, video or audio needs, a new appliance for your living room, kitchen or entertainment center, Home Credit makes it possible for you to conveniently divide your payments throughout the term of several months or even a year or more.

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59 comments:

  1. I'm glad I have someone who got the same good experience in having a loan in this company. I don't understand why people write offensive and untrue home credit reviews for the sake of sympathizing them well in fact, they just didn't became responsible in paying their obligations.

    ReplyDelete
    Replies
    1. Yes! They offer cash loans, when you are a good payer in your first loan.

      Delete
  2. Sobrang happy ko din and ng kids ko,dahil may brand new frontload washing na kami at brand-new ref.thanx sobra sa home credit sm masinag! Sana sa mga nagpapa sabog ng negative comments re: home credit mahiya naman ng konti lol ang bait nyo nung nangutang kayo akala m maamong tupa tapos pag bayaran kayo pa galit.and in the first place in explain nila na ang payment is advance 3 days before due date atleast. Tsk sayang di na kayo maaprobahan in case kc bad record na kayo.😝

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  3. Don't go for Home Credit. Grabe ang interest rates, you will have to pay double of your loan amount at the end of your contract. Imagine, a loan of 42k (after paying 30%) will let them earn an interest of 31k! Wow, that's fast money for them!

    Grabe din pala sila mangugulit sa mga references, but they will not allow those references to inquire about the loan kasi hindi daw authorized...

    Ang gulo din ng customer service nila. I wanted to fully pay na my dad's loan since na-shock ako sa interest rates. However, ang dami nilang pasikot sikot to delay the process, kesyo hindi daw ako authorized (but I was a reference in the contract), and then after my payment, hindi daw yun ma-credit as full payment kasi need pa daw mag activate ng account otherwise its just advance payment and thus interests will still be incurred,.. Ilang beses na kami nag email at tumawag, pero hindi nila masagot mga tanong namin, ang hirap nila kausapin, simple lang naman gusto namin - to fully pay the account - pero ang bagal nilang kumilos. Siguro, kasi they want the interests eh.

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  4. any idea how much ang late payment fees? :)

    ReplyDelete
    Replies
    1. Additional 200 for the delayed payment (30 days)
      400 (60 days)
      600 (90 days)

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    2. Additional 200 for the delayed payment (30 days)
      400 (60 days)
      600 (90 days)

      Delete
  5. any idea how much ang late payment fees? :)

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  6. Is there anyone here who have tried getting a laptop - Macbook Pro - through HomeCredit.Ph? How did it go?

    https://twitter.com/ramidem

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  7. Sabgadgets ok ang home credit but do not go for cash loan. The have offered us Cash loan amounting to 38k it is payable for 36month×2,200monthly so ang total nun is 79,200 .. grabe ang interest sabi nung agent na tumwag saamin 5% interest daw. So nagtaka kami how come 5% lang aabot sya ng 79k as per our computation. So ayunang sabi na lang nya di daw nya madisclose ang interest rates. In disbelief baka nagkamali lang ang first agemt na nag offer kahit na wala kaming balak kumuha tumwaga kami ulit to confirm . So yun nga tama 2,200/month for 36months. Kung di naman kailngan wag nlng mag loloan ng cash sakanila. Gusto ko ngang irwport to sa govt. Kasi sobrang taas ng interest. Malulugi ka big time. Anyway ok naman ang gadget loan nila basta good payer ka walang mahiging problema.

    ReplyDelete
    Replies
    1. Hello Ms. Daisica, Salamat sa inyong feedback. Tungkol po sa inyong cash loan offer ang Homecredit, tulad ng ibang lending institution ay sumusunod din sa interest rate na ayon sa Gobyerno ng Pilipinas, depende kung magkano at gaano katagal itong hihiramin. Handa po kaming tumulong upang lubos na maunawan niyo ang tungkol dito. Maaari po bang malaman ang inyong contact details upang kayo po ay matawagan?

      Delete
  8. Thank you for your good feedback with our consumer loan. You may visit our website at www.homecredit.ph for more products and promos. For cash loan, we are offering this uniquely per client and thank you for your interest if you are still want to avail this offer you may call our hotline (02) 753 5714 for more details.

    ReplyDelete
    Replies
    1. Bakit nag eexpire agad yung pagiging qualified sa cash loan?last december inofferan ako ng 70k cash loan, tas ngaun mag aavail nako. Biglang wala nadaw offer sakin. Unfair.

      Delete
    2. Bakit nag eexpire agad yung pagiging qualified sa cash loan?last december inofferan ako ng 70k cash loan, tas ngaun mag aavail nako. Biglang wala nadaw offer sakin. Unfair.

      Delete
  9. yes!!!.. finaly malapit na ako matapos sa fisrtloan ko and sana pagbigyan nila ako makapg loan dun sa offer nilang 52k hahah.. para makapagtayo na ako ng business ko.. good luck sa akin..

    ReplyDelete
  10. Hello Tetariz,
    Salamat sa pagpapanatili ng iyong credit standing sa Homecredit. Masaya kaming malaman na interesado ka sa aming cash loan offer at upang higit kaming makatulong sa iyo maaari kang tumawag sa (02) 753 5714 sa iba pang detalye at magagalak kaming sagutin ang mga katanungan mo.

    ReplyDelete
  11. Hey guys, Get your ex back fast with the help of a real and genuine spell caster.
    I'm so excited my broken Marriage has been restored and my husband is back after a breakup, After 2 years of marriage, me and my husband has been into one quarrel or the other until he finally left me and moved to California to be with another woman. i felt my life was over and my kids thought they would never see their father again. i tried to be strong just for the kids but i could not control the pains that torments my heart, my heart was filled with sorrows and pains because i was really in love with my husband. Every day and night i think of him and always wish he would come back to me, I was really upset and i needed help, so i searched for help online and I came across a website that suggested that Dr Unity can help get ex back fast. So, I felt I should give him a try. I contacted him and he told me what to do and i did it then he did a (Love spell) for me. 28 hours later, my husband really called me and told me that he miss me and the kids 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 and the kids. Then from that day,our Marriage was now stronger than how it were before,All thanks to Dr Unity. he is so powerful and i decided to share my story on the internet that Dr Unity 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 him at: Unityspelltemple@gmail.com ,
    you can also call him or add him on Whats-app: +2348071622464 ,
    his website:http://unityspelltemple.yolasite.com .
    Jessica, 26 years, Texas, USA.

    ReplyDelete
  12. DON'T loan cash in HOME CREDIT its 100% ++ INTEREST

    HOME CREDIT Offered amount 74000 PHP

    4472 for 36 months = 160,992 PHP

    ReplyDelete
    Replies
    1. Hi Iyahn, For our cash loan, out Interest rate was also aligned in the Philippine Government. It depends on the the amount and how long will you choose to pay. For more details you may also call our hotline (02) 753 5714 and we're glad of help.

      Delete
  13. Hi guys. My due date was last March 2. and I paid my last payment on the exact due date at around afternoon (1pm). will i still be charged for late paymnt fees?

    ReplyDelete
    Replies
    1. Hi Sandy. Thank you for your payment if you pay within the exact due date no penalty will be charged. Please also be advised that our posting of payment is within 24 hours from the date that payment made. For any other concerns you may call our hotline at (02)753 5711.

      Delete
  14. Hi guys. My due date was last March 2. and I paid my last payment on the exact due date at around afternoon (1pm). will i still be charged for late paymnt fees?

    ReplyDelete
    Replies
    1. HI Sandy. Thank yo for your payment. As you mentioned you have paid on the exact due date so it means there will be no penalty charged. Penalty will occur after the due date and in addition posting of payment will take within 24 hours from the date of payment. For more details you may call our hotline (02)753 5711

      Delete
  15. This comment has been removed by the author.

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  16. kakagaling lang namin sa home credit kanina lang. Here's the story..
    Nag gadget loan kami ng husband ko 2 F1s for 6 months then isang bayad nalang matatapos na kami, nag offer kayo ng cash loan na 38000. So nag apply ako ang dami ko ng napirmahan at matagal din ako naghintay then next finally tumawag na yung agent nyo for the details ng loan asking me na ok lang ba yung 2300 per month in 36 months. Ok naman sakin kasi magagamit ko yun para sa first bday ng baby ko. So yun haba ng usapan ok naman waiting nalang ako sa papers na approval ng cash loan ko, then! Saka kayo magttext ng nadecline due to chuchuchu. Na hindi nyo pwedeng sabihin kung bakit? Bakit pa kayo nag offer kung di rin naman pala maggrant? And fyi di ako pumalya sa pagbabayad monthly. Mahirap umasa home credit. Ok sana kayo kausap ang problema lang sana nung tumawag kayo sinabi nyo na agad kung decline o hindi at sana ipaliwanag nyo din kung bakit para di nasasayang oras namin may trabaho din kaming inaasikaso. Hanga na sana ako sa inyo kaso paasa din pala kayo. Sana next time ipaliwanag nyo ng maayos kung bakit nadecline para di kami mbabaliw sa pag iisip. Ok naman ang work ko sa bpo kaya di ko maisip kung bakit at san nyo nakuhang idecline ako. And Good payer ako. Walang late payments.

    ReplyDelete
    Replies
    1. Hello, We regret that your application for cash loan has been rejected. Sometimes it happens to some of our customers. Please understand that all application will still undergo on approval process.
      There are many factors that impact the loan decision. We do not have the information as to which factor had the highest impact on your application so we can not name the main reason. But thank you for being one of our good customers. Don’t worry, you may reapply again once there's a new offer valid under your name.The application will be still subject for approval.

      Should you have any other concern, please feel free to call our Customer Service Hotline at (02) 7535711.May we ask for your contact details for us to further assist you regarding this matter?

      Delete
    2. Kelan naman kaya yung next offer na yan? Pinaasa din ako nung agent don sa hom credit sabi ko ok lang naman na decline uuwi nalang kami, sabay sabi nya "wait lang po mam! Mag ooffer po yan ulit, wait nyo lang po muna." Naghintay kami sa wala. Saka di na rin ako kukuha siguro sa home credit,doble balik ng loan eh,saka next time wag kayo mag offer sa mga good payers if di rin pala ok. May existing account na kami nagkaproblema pa din. Don nalang kayo mag offer sa mga di nagbabayad ng maayos baka ma.approve pa.

      Delete
  17. Nag offer din sila sakin ng cash loan.. buti nlang pala na decline ako! Good payer nmn ako nung dati kong gadget loan. Sa GSIS nlang ako mag loloan..

    ReplyDelete
    Replies
    1. Hello,Jocelyn. We regret that your application for cash loan has been rejected. Sometimes it happens to some of our customers. Please understand that all application will still undergo on approval process.
      There are many factors that impact the loan decision. We do not have the information as to which factor had the highest impact on your application so we can not name the main reason. But thank you for being one of our good customers. Don’t worry, you may reapply again once there's a new offer valid under your name or you may apply for another consumer loan.The application will be still subject for approval.

      Should you have any other concern, please feel free to call our Customer Service Hotline at (02) 7535711.May we ask for your contact details for us to further assist you regarding this matter?

      Delete
  18. Wag na kayo mag offer kung iddecline nyo lang! Sayang oras at effort.. sasadyain mo pa sa malayo kc dun lang meron tapos sorry nlang! Kung waLa kaung mapagtripan wag kmi!

    ReplyDelete
  19. I have an account with them na kakatapos lang this february.Gadget ang una kong kinuha . Good payer ako. Ilang araw bago ang bayaran nakakabayad nako sa kanila. Hindi ko natry matawagan ng agents nila to remind na malapit na ang due date ko by sms yeah meron sometimes pero di ako nalate not even once. So the story goes. Nag apply naman ako for aircon ang phone ulit para sa mother ko. I thought it would be easier this time kasi nga may dati nakong acct but to my surprise my application was declined. You don't know how embarrasing that was. Dahil ba call center agent ako ? I've been regularized na and regular din ung acct ko . My dad is sending remittance evry month ranging from 30-40k . Gsto ko lang kuhanin ng installment para maggaling sakin ang bayad hnde sa papa ko. Pero ayun sa kasamaang palad decline ako. Nakakahiya lang talaga. Sana of good payer naman hnde na ganun kahirap mag apply para sa susunod. Nakakadismaya. Kinekwento ko pa man din how good home credit loan is pero ngayon nagdadalawang isip nako. .

    ReplyDelete
  20. I have an account with them na kakatapos lang this february.Gadget ang una kong kinuha . Good payer ako. Ilang araw bago ang bayaran nakakabayad nako sa kanila. Hindi ko natry matawagan ng agents nila to remind na malapit na ang due date ko by sms yeah meron sometimes pero di ako nalate not even once. So the story goes. Nag apply naman ako for aircon ang phone ulit para sa mother ko. I thought it would be easier this time kasi nga may dati nakong acct but to my surprise my application was declined. You don't know how embarrasing that was. Dahil ba call center agent ako ? I've been regularized na and regular din ung acct ko . My dad is sending remittance evry month ranging from 30-40k . Gsto ko lang kuhanin ng installment para maggaling sakin ang bayad hnde sa papa ko. Pero ayun sa kasamaang palad decline ako. Nakakahiya lang talaga. Sana of good payer naman hnde na ganun kahirap mag apply para sa susunod. Nakakadismaya. Kinekwento ko pa man din how good home credit loan is pero ngayon nagdadalawang isip nako. .

    ReplyDelete
    Replies
    1. Hello,Kevin. We regret that your application for consumer loan has been rejected despite of having a good standing from your previous loan with us.Sometimes it happens to some of our customers. Please understand that all application will still undergo on approval process regardless on how many times you have applied for loan.
      There are many factors that impact the loan decision. We do not have the information as to which factor had the highest impact on your application so we can not name the main reason. But thank you for being one of our good customers. Don’t worry, you may reapply again after 3 months from your initial attempt of application. To re-apply in three month time you just have to submit your updated documents and accurate information about yourself. The application will be still subject for approval.

      Should you have any other concern, please feel free to call our Customer Service Hotline at (02) 7535711.May we ask for your contact details for us to further assist you regarding this matter?

      Delete
  21. tapos nagtry din yung gf ko for phone. First time . Decline din siya . May stable job naman siya wala lang pangfull as of the moment. Her mom tried to apply as well. Same day. 3 kaming nadecline. EMBARASSING.Nakakahiya talaga. Tapos hnde niyo pdeng idisclose ang reason ? Well that's fine. Magsave nalang to buy the items.

    ReplyDelete
  22. tapos nagtry din yung gf ko for phone. First time . Decline din siya . May stable job naman siya wala lang pangfull as of the moment. Her mom tried to apply as well. Same day. 3 kaming nadecline. EMBARASSING.Nakakahiya talaga. Tapos hnde niyo pdeng idisclose ang reason ? Well that's fine. Magsave nalang to buy the items.

    ReplyDelete
    Replies
    1. Hello,Kevin. We regret that your girlfriend and her mom's application for consumer loan have been rejected. We understand the frustration caused by this but please be informed that all application will still undergo on approval process.

      Should you have any other concern, please feel free to call our Customer Service Hotline at (02) 7535711.May we ask for your contact details for us to further assist you regarding this matter?

      Delete
  23. Home credit paasa, waste of time, nakakalungkot isipin na akala ko ako lang ang ginawan nyo ng ganitong problema. Marami pala kami na pinaasa nyo at sinayang ang oras. Last payment ko ngayong march. Kung pwede ko lang sampal sa inyo tong pambayad eh. Pero salamat pa rin sa pagpapautang. Kaso sana next time sabihin nyo ang reason kung bakit declined. Sobrang sakit kasi non saming mga customer na pag iisipin nyo pa kami kung bakit. Mag JCA nalang kaya ako sa inyo.

    ReplyDelete
  24. Hello, We understand the frustration caused by this but please be informed that all application will still undergo on approval process despite on how many times you have applied for a loan with us.

    Should you have any other concern, please feel free to call our Customer Service Hotline at (02) 7535711.May we ask for your contact details for us to further assist you regarding this matter?

    ReplyDelete
  25. Good Evening, I do have a question. what if nawala yung phone ? anong gagawin ?

    ReplyDelete
    Replies
    1. Hi Anna,Good day!We are sorry to hear about the lost item you have purchased via Home Credit loan. While we understand your frustration over the situation, please be reminded that our agreement still stands as indicated in the contract that you have signed.


      Should you have any other concern, please feel free to call our Customer Service Hotline at (02) 7535711.May we ask for your contact details for us to further assist you regarding this matter?

      Delete
  26. This was really an interesting topic and I kinda agree with what you have mentioned here!https://www.youtube.com/c/AGNnewsChannel

    ReplyDelete
  27. Dear Home Credit! Sobrang nakaka waste kayo ng Oras! Mag ooffer kayo ng Cash Loan tas idedeclined nyo lang? May sinasabi pa kayo na pili lang ung inooferan nyo those with good credit? Then idedeclined nyo lang? I dont see the point of offering tas at the end of the day i dedeclined nyo lang without any valid reason?! Im not mad kasi di ko nakuha ung loan i should be thankful anyway kasi ang taas nyo tumubo imagine its more than 50% of the actual loan? Your offering me 44k tas monthy is 2659 for 3years tutubo kayo ng 53k! Easy Money for you! You're just wasting my time!!!!!!!!!!!!!!!!

    ReplyDelete
    Replies
    1. Hello, We understand the frustration caused by this but please be informed that all application will still undergo on approval process.

      Should you have any other concern, please feel free to call our Customer Service Hotline at (02) 7535711.May we ask for your contact details for us to further assist you regarding this matter?

      Delete
  28. hi im abby my first loan ay cellphone nden nxt is cash loan ask q lng poh kng anoh nxt loan ang iooper nyo ptpos n kc ung cash loan q tnx w8 q poh feedback nyo

    ReplyDelete
  29. hi im abby my first loan ay cellphone nden nxt is cash loan ask q lng poh kng anoh nxt loan ang iooper nyo ptpos n kc ung cash loan q tnx w8 q poh feedback nyo

    ReplyDelete
    Replies
    1. Hi Abby. Thank you for being a good customer of Homecredit PH. If ever we have a new offer we will call you for the details.

      Should you have any other concern, please feel free to call our Customer Service Hotline at (02) 7535711

      Delete
  30. NOT GOOD. AFTER KO KUMUHA NG CP AND MABAYARAN NG AYOS. THEY GAVE ME A LOAN OFFER AMOUNTING TO 52K. THINKING THAT IM ELIGIBLE NMN FOR THAT LOAN AND I KNOW KAYA KO BAYARAN. I JUST NEED THE MONEY TO EXPAND MY BUSINESS. I ACCEPT THEIR OFFER AND GO TO THE NEAREST HOME CREDIT STORES. TO THINK N NAG EFFORT PA AKO TAPOS IDEDECLINE LANG PALA.. SANA S PAG OFFER NIO PALANG SKN HOME CREDIT NG CHECK N KAU. I GAVE ALREADY ALL MY DETAILS ON MY FIRST LOAN THAT WAS 6 MOS AGO, SO I EXPECT YOU HAVE THAT DETAILS. I PAY ON TIME. AND WHAT SHOULD I EXPECT ? IM VERY DISAPPOINTED. NASAYANG YUNG TIME KO.

    ReplyDelete
    Replies
    1. Hello, Rosel. We understand the frustration caused by this but please be informed that all application will still undergo on approval process.

      Should you have any other concern, please feel free to call our Customer Service Hotline at (02) 7535711.May we ask for your contact details for us to further assist you regarding this matter?

      Delete
  31. How I Got My Ex Husband Back...........

    I am Shannon by name. Greetings to every one that is reading this testimony. I have been rejected by my husband after three(3) years of marriage just because another woman had a spell on him and he left me and the kid to suffer. one day when i was reading through the web, i saw a post on how this spell caster on this address Makospelltemple@yahoo.com , have help a woman to get back her husband and i gave him a reply to his address and he told me that a woman had a spell on my husband and he told me that he will help me and after 2 days that i will have my husband back. i believed him and today i am glad to let you all know that this spell caster have the power to bring lovers back. because i am now happy with my husband. Thanks for Dr.Mako. His email: Makospelltemple@yahoo.com OR. his phone number: +2348108737816.

    ReplyDelete
  32. In spite of having a bad credit, you can still get bad credit auto loans at affordable rates as there are several lenders who offer bad credit auto loans. Homeowner

    ReplyDelete
  33. Hello,

    My wife and I have been married for 15 years. For over five years I have been dealing with jealousy issues because of flirting and her having emotional type affairs with other men. I felt like my masculinity was in question and if I said the way she was acting bothered me, it seemed to make matters worse or I was accused of being controling. During this period I did state I wanted a divorce if the behavior was not going to end: texting men a night, leaving for the weekend without letting me know where she was going or not responding to messages. We do have a son and basically it's been him and I for the last year on the weekends. She disconnected completely from being a good wife and mother. In April she said she wanted a separation and I said no we need to get into marriage counseling. We did try that, but she was not very responsive and didn't give any effort. Afterward she was adamant about separation and divorce. I continued to say no and that we needed to save our family. She presented a separation agreement and I had to hire a lawyer. Because of the above behavior my lawyer suggested a private investigator. The investigator discovered my wife was having an affair with a close friend of the family who also is married with children. We know the extended families. I feel like I should tell this man's wife about what happened. This adultery has devastated me emotionally, I feel betrayed and I'm physically drained. I know my wife is passionate in terms of her sexuality, and I can't get the thought of them out of my head. It makes me question my own manhood, and I feel very inferior or that he must be a better lover or what ever. The problem is my wife pursued him. She would go to him and she lured him into this adultery. I felt this was coming for some time and could not stop it. She was not only lying to me but also to our son about what she was doing and where she was going. My family is important, my son loves her and as crazy as it sounds so do I. Can you respond with a course of action on how to proceed? I was still have a very huge place in my heart for her. so i searched for help online and I came across a website that suggested that Dr Ahmed can help solve marital problems, restore broken relationships and so on. So I felt I should give him a try. I contacted him and he told me what to do and i did it then he did a spell for me. 28 hours later, my wife came to me and apologized for the wrongs she did and promise never to do it again. Ever since then, everything has returned back to normal. I, my son and my wife are living together happily again.. All thanks to Dr Ahmed. as it is a place to resolve marriage/relationship issues, do you want to be sure if your spouse is being faithful to you or Do you want your Ex to come back to you Contact.: E-mail: Ahmedutimate@gmail.com or call/Whats-app: +2348160153829 save your crumbling home and change of grades its 100% safe. I suggest you contact him. He will not disappoint you.

    ReplyDelete


  34. I've had a couple of readings with Dr. Todd and he amazes me every time. The very first one I had was last year and I was really nervous but Todd called at the exact time as the appt down to the minute and he was just so friendly. He picked up right away what was going on in my life without me asking a single question. He picked up initials of the people involved!! I've never had anyone do that before and I've been to my share of psychics! {manifestspellcast@gmail. com} doesn't just tell you what you want to hear, he tells you the truth!! I was very amazed with his accuracy!! When I got off the phone my hands were shaking because I was in shock! My first experience was so well that I came back to Dr. Todd again for another reading recently when things in my life weren't so well! He once again picked up on things so well and described the people and situation! He’s going to help me get my life back the way I want. I really trust him and his spirits! I know it’s real and I know I’ll be back to leave another testimonial on his wonderful work and to tell you all my happy results because I know I’ll have them.

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  35. hi. tanong ko lang po if pwede ako kumuha ng gadget loan. j7 prime po. 23 years old na ako pero college student. meron naman akong monthly remittaces, kaya ko naman magbayad monthly kaso naririning ko di daw pwede kumuha ang student. baka naman po may ibang paraan para makakuha ako ng installment plan, mabigat kasi masyado ang cash e.

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    Replies
    1. Hi,Maraming salamat sa iyong interes na mag-aaply ng loan sa Home Credit.Kinakailangan makapagbigay ka ng kahit dalawang valid ID,just make sure lang po na kahit isa dito ay nakalagay ang inyong current address.

      Kung may iba pa silang katanungan, maaari silang tumawag sa aming Customer Service Hotline at (02) 7535711.

      Delete
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