Thursday, December 12, 2013

The Ugly and True Face of AUM

#American_University_of_the_Middle_East  #AUM is a good project on paper, well why would not a university project aiming for learning, education, and development be a good project. However, in reality AUM in #Kuwait is a different story. It is a place where you, as an employee, will be frustrated, stressed, and not satisfied on a daily basis. You will end up, as many of the current academic staff, looking for jobs everyday elsewhere or even thinking to resign without a backup plan just to end this unpleasant experience.

The main problem is that AUM is run and managed by #Mohaned #Hassanin. Unfortunately Dr. Hassanin has all the characteristics of a bad manager: He has an extremely abrasive communication style. Employees are stressed out at some point; however he is not capable of communicating a problem or concern without berating or yelling. He has poor planning skills, firing, replacing and substituting staff at the last moment, without taking into account the needs of the students. He changes curriculum, syllabus, course offerings and class sections in the way he wants and always at the last moment.

Unfortunately, he cannot provide constructive criticism. We, as employees have a right to expect that line managers will be able to offer some mentoring and direction. However more than one member of the staff who were fired in the last couple of months have claimed he had no problem telling them that they are doing something wrong, but could not provide any insights regarding how to improve. Some other fired employees were dismissed without explanations.

Dr. Hassanin is unfortunately an arrogant character who believes to know everything and can do no wrong. It is also recently that he uses fear tactics as if he is intimidated or unsure about how to get results without relying on threats or other fear-mongering.

Another problem is that Dr. Hassanin surrounded himself and selected inexperienced and non-credible people, especially in high positions at the university, who only obey him. As we mentioned before, people who dare to express different opinions are quickly dismissed or degraded. Perhaps this behavior was acceptable a couple of decades ago in developing countries, but it cannot be tolerated in the academic world of today and when all the rest of the staff is working to take the university to the research and academic standards of developed countries. The university has talented and smart people within their students and staff in #Kuwait; however the poor management of Dr. Hassanin does not allow exploiting their potential. In short, he runs a university as if a corporation or industry business.

Now, I would like to discuss about the Dean of the College of Business. Her name is #Sabine #Hoffmann. It is worth to mention that before being appointed as the Dean, she was perceived as an administrative assistant who used to spend considerable amount of time shopping on-line. However I have to admit that I don’t have proof for this point. Nevertheless, I invite the readers to look at her profile on Linkedin and decide if she is qualified to be a Dean or not at a university affiliated with one of the best universities in the USA, I am referring to the claimed affiliation with #Purdue University. From my experience, Miss Sabine finds difficulty in answering simple academic matters and has little knowledge of curriculum, courses, and management on this senior and critical role as a Dean.

The attitude of the people mentioned above has cost so far around 10 staff members being fired or resigned only in the Fall Semester 2013. Therefore, at the moment, the school is seriously understaffed and are having very serious recruitment issues because of their bad reputation. No planning, no knowledge, no experience, no transparency – only the words of DrHassanin prevail at AUM.

In the next couple of post, I will give more specific details on how the reputation of the university and the quality of the education given to the students is being severely affected by the unprofessional and unhealthy behavior of the people mentioned before who are unlikely to keep highly qualified employees for long and to take the university to the educational standards of Europe and developed countries.

So if you are planning to apply for a vacancy at AUM - Do not come, this is an honest opinion. Save yourself from all this humiliation, stress, and miserable life.

Your comments for this post are highly appreciated.

Please let me know if you have any specific questions regarding this university. I would gladly answer them.

92 comments:

  1. Hi,
    Do you know how and why those people left? What were the reasons? Were you one of them? What happened?
    People need more specific examples because otherwise this seems unreliable...

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  2. Hi Johnny,
    Please follow my rely in the new post on this blog, I did not have much space here.
    Hope I answered your questions.

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  3. Hello,

    I wonder why it happened to you! I am really surprised! Please, give more details! Were there any signs that it would happen to you? Are you in touch with the other people to learn their stories!

    ReplyDelete
  4. Hello,
    Couple of days ago they fired one of the Teaching Staff, bringing the number only in this semester to 15: 4 fired and 11 resigned. I believe this is enough to tell you that the management is very bad and is doing something wrong. I know that the majority of the staff are not happy, motivated or satisfied and have zero loyalty to this organization; this is very unhealthy. People join the university because they offer good money and definitely not because #AUM worldwide or regional or even local #Kuwait reputation, one thing they know how to do well is manipulation and selling you rosy words about #AUM and its prospects and plans and library and potential during the recruitment stages. I wonder why a Professor from the States, UK or Canada would join a 5-6 year old university in Kuwait and would want to be managed and supervised by someone like #Mohaned #Hassanin or #Sabine #Hoffmann. However, despite this big amount of money, we see how employees leave within one year of joining this organization. They cannot simply tolerate to be treated in an unprofessional, oppressive and repressive ways. Things that I am writing in this blog are nothing but stories and conclusions from my conversations with people who resigned from AUM voluntarily, or were fired. But the majority resigned and that makes the story more credible rather chanting of a fired employee.

    You will never know that you are going to be fire because they do not have any formal continuous or regular feedback or performance management system or clear dismissal process, mentoring or working with employees to improve and change, that if employees did something wrong; they do not even tell you the reasons why they fired you. They do not care about students' evaluation or satisfaction or whether the faculty is delivering amazing teaching or not. Giving your opinion or recommending about different ways of doing academic activities such as course project or activities or lesson plans in a very professional way could be enough to end your life at this university instantly, even in the middle of the teaching semester.

    Hope I answered your questions.

    Best

    ReplyDelete
  5. Going to AUM is a career-suicide. You can make some good money, but your career will be ruined. Who would want to hire a person who worked at AUM? It does not take long to figure out what place it is. Just google it. Lots of heartbreaking stories on the chronicle (I think AUM forced the Chronicle to delete the very damaging to AUM thread), Dave's ESL cafe, blogs, forums, Desert Girl of Kuwait, and so on.

    If you work at AUM, you cannot be an honest teacher. How can you give As and Bs to university-level students who can barely write in English, who cannot multiply two single-digit numbers? AUM is just a nightmarish farce. Very profitable farce for its owners though.

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  6. Thank you Patty and everyone for your comments and sending emails directly to my Gmail. I hope that the insights that am sharing; not only through my blog but also through direct emails I am receiving and repplying back, are being helpful to make the right choice when dealing with #AUM, whether you are planning to join or already joined #AUM.

    #AUM continues to be money generator for its owners, not the respectable University. Firing is there way to deal with their lack of planning and professionalism and humanistic behavior, one more person (at least) was fired recently. No respect for professionalism, experience, teaching academic freedom - only money; money drives this place and all decision are made to increase profit for its owners. Accepting more and more students while the whole organization is understaffed and the university is having recruitment problems (you can not imagine how and their reputation is inside and outside Kuwait and I you can check that), puts staff under a lot of pressure, as an example they opened accounting, marketing, finance and IT classes at 7 PM and 8 PM in evening for undergraduate students because of capacity problems and the teaching load is more than 15 hours/week. But sadly and ironically no one dares to talk or complain as they are afraid to be reported to management of #AUM, particularly Deans, especially #Sabine #Hoffmann, and #Mohaned #Hassanin. You will be spied; one "mistake" or "inappropriate" comment will be reported to management and you will end up fired in a most humiliating way possible. Staff do not communicate with each other and maintain distance as they do not trust anyone.

    Patty, this blog is open for people to share their experiences because it is the right of public especially parents, students and people being approached by #AUM to teach there to know the true face of #AUM. So please do not hesitate to share more.

    ReplyDelete
  7. THE WORST UNIVERSITY YOU CAN EVER WORK FOR. I WAS THERE AND LEFT TWO DAYS BEFORE MY PROBATION PERIOD ENDED--THE BEST DECISION EVER!!!!!!

    ReplyDelete
  8. Cool, I am sure you will never regret a decision as such to escape from #AUM before your spoil your CV and damage your career. What happened in your case? Could you share more your experience with us because this blog is being following and point of interest for many students and parents and even #AUM staff?

    It is really unprofessional and toxic and unethical place in the way the management run #AUM and most of all how they treat people like slaves and humiliate them. Enough to be professional and respect yourself and care about your career and development and CV to realize very quickly that #AUM is not a place where you want to work and that it is unprofessional to do a job for this university because you are assisting them and participating in their unprofessional work. So ironic how people like #AUM management are given license to open a university and make millions of dollars with zero professionalism and honesty and transparency to staff, students and parents.

    ReplyDelete
  9. hi my husband has interview with Aum is dr muhanad hasanin the dean of physics and electronic what do you advice should we drop it the problem that my husband does not have other option what you sugest? thanks
    rim

    ReplyDelete
  10. Hi Rim,
    Sorry for the late reply as I was busy. If your husband does not have an option, I can not tell you not to go to #AUM, but your husband will suffer hell of all sort of prison like environment and slavery like treatment. #Mohaned #Hassanin is not the Dean of Physics, but he is the dean of all deans, he is called CLO, a position you will find only in leading academic universities in the world, funny that a university only 6-7 years old has already a CLO who did not even work for a university before.

    By the way, it is so ironic that those people state on their website that "professionalism and ethics" are their greatest values. The truth is that they do not have anything related to ethics and professionalism, only unprofessional and unethical behavior, mentality and actions with the way they treat their employees.

    ReplyDelete
  11. This comment has been removed by the author.

    ReplyDelete
  12. I have just submitted an application to AUME thinking that it would be different from where I am now, but thanks to your blog, your description of what's wrong with AUME bears a striking resemblance to what's wrong with University of Buraimi (read boondoggle) in Oman. At the risk of making a sweeping generalization, I think universities in the oil-rich Arabic countries in the gulf are devoid of any genuine and substantive academic activities. As long as a facade of academia is maintained for the sake of profit-making, then everything is fine.

    the university of boondoggle can boast of the highest turnover rate in the entire world. For instance, besides myself, I know at least seven teachers who have resigned and I know many others who won't be coming back if they find any alternative. the University of Boondoggle is AUME on steroids

    ReplyDelete
  13. I totally agree. There is something very wrong about the mentality of the management at #AUM, I mean they have money and good plans on papers and statements, of course they borrowed them from the Internet, however when it comes to application everything go wrong because the mentality is not a progressive one or democratic or flexible, they turn the workplace culture into toxic one occupied with stress and pressure and envy and spies and threats to be fired at any moment had you showed that you have an independent thought even if expressed in a very professional manner. People at the top management at AUM especially #Mohaned #Hassanin and #Tareq #Othman only trust their ideas and insist on implementing them and ignoring any feedback from anyone and do not care about employees' satisfaction or concerns or suffer, I challenge them to do an employee satisfaction survey. They have double standards and absolutely null transparent behavior and openness, they run the university like a corporation and it does not work like this, money and power do not anyone a leader or any project a successful one.

    Anyway, the latest #AUM victim was their own Executive Manager - Employee Relations #Hazel #Robinson. This person who is famous on blogs with her passionate comments in favor of #AUM and her lengthly complements for the wise management at #AUM and how good #AUM is and how it is an honor for any person to be part of #AUM family and that all what is being posted on blogs about #AUM is wrong etc. (please check her comments in READ MORE ABOUT AUM in top section of this blog). #Hazel #Robinson was sacked last week. Another 7 staff from the English department resigned this semester too. All this tells you something, yes it does, but ironically the management at #AUM think employees are wrong. They will not fall but they will definitely fail to achieve their stated goals and will end up as a very low profile university with a bad reputation in the region and recruitment problems.

    ReplyDelete
  14. Hello Eveyone !!
    I had read the above comments & found only one thing that avoid AUM !!
    Can anyone tell me about the IT infrastructure of AUM ... I got a call for an interview & iam really not aware about the Manager & how AUM managing IT things in university. Please if anyone can post some useful information here .. i really appreciate your prompt responce

    ReplyDelete
    Replies
    1. They have many faulty issue as far as the IT infrastructure is concerned. They usually buy things then have so much difficulties in making them work and function according to their needs. I would say that things are very average and not that much sophisticated or advanced, like the case of the whole organization where no proper planning and clear strategy, only last minutes improvises and ad hoc solutions, their IT guy on the top was fired last semester as far as I remember. This all I know. Good luck in you interview

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  15. on belhalf of: hamid.warren@gmail.com

    "What you have said is so true! I am so happy I left that place. I still keep in contact with some faculty there and none is happy! I'm sure after this academic year much more people will be leaving to get away from #mohaned #hassanin and his stupid policies"

    ReplyDelete
  16. Note that AUK and GUST list both faculty and course descriptions and offerings. AUM does neither. Why, because they are slap dash in their approach to things. Worry about the students and the money they bring, THEN get a teacher to cover the class.


    http://www.purdue.edu/purdue/search.html?q=American%20University%20of%20the%20Middle%20East Check out line 139.

    http://www.krannert.purdue.edu/konline/2014s/spotlights/Lynall_spotlight.html Check out the students in the crowd. No AUM ones


    https://www.purdue.edu/research/vpr/publications/docs/awards/pdf/Oct2012Awards.pdf Peroulis, Dimitrios; electrical & computer engineering, from American University of the Middle East, $5,000, “Aum Project.” (a Discovery Park award — Birck Nanotech nology Center)

    http://www.purdue.edu/research/vpr/publications/docs/awards/pdf/Apr2013Awards.pdf
    Peroulis, Dimitrios; electrical & computer
    engineering, from American University of
    the Middle East, $5,000, “AUM Project.”


    https://www.eventreg.purdue.edu/ec2k/CourseListing.aspx?master_id=4136&course_area=1310&course_number=429&course_subtitle=00

    http://www.ippu.purdue.edu/News/preview.cfm?ArticleID=59 No Mention of AUM (1999)

    http://www.cla.purdue.edu/facstaff/profiles/promotions_10.html (mentioned University of Middle East, not AUM)

    THIS IS IMPORTANT - Kuwait Ministry for filing complaints!!

    Following-up on our phone conversation, the Kuwait Ministry of Social Affairs and Labor is located behind the Behbehani Complex in the Sharq Area. They have an office that received complaints of this nature and may be able to offer legal advice and representation.

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  18. I worked at AUM and it still hurts. Hurts because AUM deceived me, as many others. The administration told me that they want high quality faculty, that they want to make AUM a flagship university and they want me to really teach students. Nothing can't be further from the truth.
    As I learned later, whatever Mohaned Hassanin, Sabine Hoffmann and Ahmed Elsafty, were telling me was just a vapor. Just empty words, pathetic cover up. They just wanted to take an advantage of my European PhD and cover up their so called "education"
    It was pure exploitation. Absolutely the worst and most humiliating job in academia I've ever had.

    We all know how bad and fake the education in all the Middle East oil rich countries is. What I wonder is how AUM managed to stand out even in this dog crap pile of education?
    How can Purdue University so shamelessly prostitute its name by giving AUM its legitimacy?
    AUM periodically pays Purdue University fees for using its name. Do such money worth selling decency?

    Shame on you, Purdue for proving cover up for such trash-house as AUM.





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  20. Hi all, it seems AUM has a terrible reputation however I wonder if teachers have the same experience at ACM (The American College of the Middle East). I have my second interview with them next week and I just need closure. I searched EVERYWHERE for reviews on this college but no one is talking about it, why?! I know AUM and ACM are affiliates but I need more info on ACM. Can anyone share their experience at ACM? Would really appreciate it!

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  21. Hello,

    i recently was offered a job interview with ACM as an ESL Instructor.
    I'd like to know if ACM shares the same horror story as AUM.
    Please, a word of advice!

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  22. AUM and ACM same. Both bad and getting worse. And where is Dean Sabine Hoffman? Did she resign? Was she fired? Management say nothing. Maybe Mohaned fire her because she tried to get job at AUK?

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  26. Wow, I was just contacted by a recruiter for this University on linkedin. I figure it's a bad sign to be randomly emailed on a site like linkedin, when I'm already clearly employed elsewhere.

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    then i was having no more option rather than to try my luck for the
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    thanks be to God for his mercy upon my life

    ReplyDelete
  34. HOW I GOT MY LOAN FROM DR PURVA PIUS LOAN FINANCE (urgentloan22@gmail.com)

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  35. Good Day Everyone.
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    ReplyDelete
  36. Hello Everybody, My name is.Mrs.Juliet Quin. I live in Canada and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of $ 54,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of $ 54,000.00 Canada Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs.Juliet Quin that refer you to him. Contact Mr. Ben Williams via email: reply to email:skycreditfinancialaids@gmail.com

    ReplyDelete
  37. HOW I GOT MY LOAN FROM DR KELLY WILLIAMS LOAN FINANCE

    My Brothers and Sister all over the world, I am Mrs.Irene Query Wheat from Philippines ;i was in need of loan some months ago. i needed a loan to open my restaurant and bar, when one of my long time business partner introduce me to this good and trustful loan lender DR KELLY WILLIAMS that help me out with a loan, and is interest rate is very low , thank God today. I am now a successful business Woman, and I became useful. In the life of others, I now hold a restaurant and bar. And about 30 workers, thank GOD for my life I am leaving well today a happy father with three kids, thanks to you DR KELLY WILLIAMS Now I can take care of my lovely family, i can now pay my bill. I am now the bread winner of my family. If you are look for a trustful and reliable loan leader. You can Email him via,mail (financialgoodnews22@hotmail.com) Please tell him Mrs Irene Query Wheat from Philippines introduce you to him. THANKS


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    ReplyDelete
  38. Are you in need of a loan. Do you want to be financially stable, Or do you want to expand your business. We offer company loan, Auto loan, Business loan,and personal loan at a very reduce interest rate of 3%, with comfortable duration which is negotiable. This offer is open to all that will be able to repay back in due time. Get back to us if interested with our Email: urgentloan22@gmail.com

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  39. Are you in need of a loan. Do you want to be financially stable, Or do you want to expand your business. We offer company loan, Auto loan, Business loan,and personal loan at a very reduce interest rate of 3%, with comfortable duration which is negotiable. This offer is open to all that will be able to repay back in due time. Get back to us if interested with our Email: urgentloan22@gmail.com

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  45. Have you been looking for a loan?Do you need an urgent personal or business loan?I received the sum of $3,000.000 some days ago after been scammed of $8500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $3,000.000.Feel free to contact the company for a genuine financial service. Morris and Company Trust Fund Limited is located in Canada (morristrustfundlimited@hotmail.com) Canada +16477393756 http://www.morristrustfundlimited.com. He is a trust worthy man. Thank you sir.

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  46. Have you been looking for a loan?Do you need an urgent personal or business loan?I received the sum of $3,000.000 some days ago after been scammed of $8500 from a woman claiming to been a loan lender but i thank God today that i got my loan worth $3,000.000.Feel free to contact the company for a genuine financial service. Morris and Company Trust Fund Limited is located in Canada (morristrustfundlimited@hotmail.com) Canada +16477393756 He is a trust worthy man. Thank you sir.

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  52. $$$ GENUINE LOAN WITH LOW INTEREST RATE APPLY $$$
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  53. Do you seek funds to pay off credits and debts? Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Adam Fred Loan Company is the answer. Email (Adamfredloanfirm@outlook.com)









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  54. PACIFIC LOAN SERVICE
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  55. PACIFIC LOAN SERVICE
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  56. PACIFIC LOAN SERVICE
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  57. PACIFIC LOAN SERVICE
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  70. Good Day Sir/Madam: Do you need an urgent loan to finance your business or in any purpose? We are certified and legitimate and international licensed loan lender we offer loans to Business firms. Individuals, companies firms, corporate bodies at an affordable interest rate of 3%. It might be a short or long term loan or even if you have poor credit. We shall process your loan as soon as we receive your application. We are an independent financial institution. We have built up an excellent reputation over the years in providing various types of loans to thousands of our customers. We offer Educational loan, Business loan, home loan, Agricultural loan, Personal loan, Auto loan with either a good or bad credit history. If you are interested in our above loan offer you are advice to fill the below information and return to us for more details. You can contact us with this email (standardonlineinvestment@gmail.com) we shall respond to you as soon as we receive your loan application details below.

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  71. Hello

    We are Christian Organization formed to help people in needs of
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  72. Do you need Finance?
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  73. Dear Sir/Madam,

    We are direct mandate to providers of Fresh Cut BG, SBLC and MTN which are specifically for lease, our bank instrument can be engage in PPP Trading, Discounting, signature project (s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffer driven offers.

    We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable. below is our instrument description.

    The procedure is very simple; the instrument will be reserved on Euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of MT760.

    DESCRIPTION OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
    2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
    3. Issuing Bank: HSBC Bank London, Barclays, Credit Suisse and Deutsche Bank Frankfurt.
    4. Age: One Year, One Month
    5. Purchasing Price: 32% of Face Value plus 2% commission fees to brokers.
    6. Leasing Price: 4% of Face Value plus 2% commission fees to brokers.
    7. Delivery: Bank to Bank swift.
    8. Payment: MT-103 or MT760
    9. Hard Copy: Bonded Courier within 7 banking days.

    We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct.

    Name: Mrs Luna Mora Esther

    Email: financial.wizards.luna@gmail.com

    Skype: financial.wizards.luna@gmail.com

    ReplyDelete
  74. Dear Sir/Madam,

    We are direct mandate to providers of Fresh Cut BG, SBLC and MTN which are specifically for lease, our bank instrument can be engage in PPP Trading, Discounting, signature project (s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffer driven offers.

    We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable. below is our instrument description.

    The procedure is very simple; the instrument will be reserved on Euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of MT760.

    DESCRIPTION OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
    2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
    3. Issuing Bank: HSBC Bank London, Barclays, Credit Suisse and Deutsche Bank Frankfurt.
    4. Age: One Year, One Month
    5. Purchasing Price: 32% of Face Value plus 2% commission fees to brokers.
    6. Leasing Price: 4% of Face Value plus 2% commission fees to brokers.
    7. Delivery: Bank to Bank swift.
    8. Payment: MT-103 or MT760
    9. Hard Copy: Bonded Courier within 7 banking days.

    We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct.

    Name: Mrs Luna Mora Esther

    Email: financial.wizards.luna@gmail.com

    Skype: financial.wizards.luna@gmail.com

    ReplyDelete
  75. We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease, our bank instrument can be engage in PPP Trading, Discounting, signature project (s) such as Aviation, Agriculture, Petroleum, Telecommunication,construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffer driven offers.

    We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable. below is our instrument description.

    The procedure is very simple; the instrument will be reserved on Euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of MT760.

    DESCRIPTION OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
    2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
    3. Issuing Bank: HSBC Bank London, Barclays, Credit Suisse and Deutsche Bank Frankfurt.
    4. Age: One Year, One Month
    5. Purchasing Price: 32% of Face Value plus 2% commission fees to brokers.
    6. Leasing Price: 4% of Face Value plus 2% commission fees to brokers.
    7. Delivery: Bank to Bank swift.
    8. Payment: MT-103 or MT760
    9. Hard Copy: Bonded Courier within 7 banking days.

    We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct.

    Email: mrjohnpaulnowacki@gmail.com

    Skype: Johnpaulnowacki

    Regards,

    Mr John Paul Nowacki

    ReplyDelete
  76. We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.

    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%

    FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly
    renewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding: For further details contact us with the below information.

    Contact: Name: WARREN GARY

    Email: inquiry.barkerfinancial@gmail.com

    Skype: inquiry.barkerfinancial@gmail.com

    ReplyDelete
  77. Good day friends, Are you seeking for urgent loan if yes kindly contact this good company where I got my loan without no delay in less than few hours, you can also try it and see through this contact email: diamondloans13@outlook.com

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  78. Good Day Sir/Madam: Do you need an urgent loan to finance your business or in any purpose? We are certified and legitimate and international licensed loan lender we offer loans to Business firms. Individuals, companies firms, corporate bodies at an affordable interest rate of 3%. It might be a short or long term loan or even if you have poor credit. We shall process your loan as soon as we receive your application. We are an independent financial institution. We have built up an excellent reputation over the years in providing various types of loans to thousands of our customers. We offer Educational loan, Business loan, home loan, Agricultural loan, Personal loan, Auto loan with either a good or bad credit history. If you are interested in our above loan offer you are advice to fill the below information and return to us for more details. You can contact us with this email (globalonlinefinance@gmail.com) we shall respond to you as soon as we receive your loan application details below.

    First name:
    Middle name:
    Date of birth (yyyy-mm-dd):
    Gender:
    Marital status:
    Total Amount Needed:
    Time Duration:
    Address:
    Currency Needed
    City:
    State/province:
    Zip/postal code:
    Country:
    Phone:
    Mobile/cellular:
    Monthly Income:
    Occupation:
    Which sites did you know about us.....
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    us now and get an urgent loan within two (2) days!!!
    Regards,
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    ReplyDelete
  79. We have direct and efficient providers of Bank Guarantee (BG’s), Insurance Guarantees,Confirmable Bank Drafts, Standby Letters of Credit (SBLC) medium term note (MTN) and Third Party Guarantees. which are specifically for sell/lease at leasing price of 4+2% /32+2% for selling price.
    If you are a potential Investor or principal looking to raise capital, we will be happy to answer any questions that you have about this opportunity and to provide you with details regarding these services.

    Our BG/SBLC Financing can help you get your project funded, by providing you with yearly renewable leased bank instruments. We work directly with the providers of these instruments.


    DESCRIPTION OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG) or Standby Letter of Credit (SBLC)
    2. Total Face Value: Euro/USD 100,000.00 – Euro/USD 50,000,000,000.00
    3. Issuing Bank: HSBC Bank London, Barclays Bank London, Deutsche Bank AG Frankfurt etc.
    4. Age: One Year and One Day (With the option of Rolls and Extension)
    5. Leasing Fee: 4% + 2% [negociable]
    6. Delivery: Bank to Bank Swift MT799 and/or MT760
    7. Payment: MT103
    8. Hard Copy: By Bank Bonded Courier within 7 banking days after delivery of Swift.

    Kindly contact me for serious inquiries via email.
    Name : Williams Gareth
    Email : rptmsplc@gmail.com

    ReplyDelete
  80. How i got my Desired Loan Amount from a Reliable Loan Company (Morganinvestment10@yahoo.com)

    Hello everyone, My name is Peiter Abate, I am from florida, United State, am here to testify of how i got my loan from Mr Morgan jackson ( Morganinvestment10@yahoo.com) } after i applied from various loan lenders who claimed to be lenders right here this forum, i thought their lending was real and i applied but they never gave me loan until a friend of mine introduce me to Mr Morgan Jackson, who promised to help me with any loan of my desire and he really did as he promised without any form of delay, I had doubts but i never seize to believe. I never thought there are still reliable loan lenders until i met Mr Morgan Jackson, who really helped me with my loan and changed my life for the better. I know there are still many good lenders out there but i would advise you to try Mr Morgan Jackson, he is caring and understanding. I don't know if you are in need of an urgent loan also or want funds for your projects, So feel free to contact Mr Morgan Jackson his email address is ( Morganinvestment10@yahoo.com)

    ReplyDelete
  81. How i got my Desired Loan Amount from a Reliable Loan Company (Morganinvestment10@yahoo.com)

    Hello everyone, My name is Peiter Abate, I am from florida, United State, am here to testify of how i got my loan from Mr Morgan jackson ( Morganinvestment10@yahoo.com) } after i applied from various loan lenders who claimed to be lenders right here this forum, i thought their lending was real and i applied but they never gave me loan until a friend of mine introduce me to Mr Morgan Jackson, who promised to help me with any loan of my desire and he really did as he promised without any form of delay, I had doubts but i never seize to believe. I never thought there are still reliable loan lenders until i met Mr Morgan Jackson, who really helped me with my loan and changed my life for the better. I know there are still many good lenders out there but i would advise you to try Mr Morgan Jackson, he is caring and understanding. I don't know if you are in need of an urgent loan also or want funds for your projects, So feel free to contact Mr Morgan Jackson his email address is ( Morganinvestment10@yahoo.com)....

    ReplyDelete
  82. How i got my Desired Loan Amount from a Reliable Loan Company (Morganinvestment10@yahoo.com)

    Hello everyone, My name is Peiter Abate, I am from florida, United State, am here to testify of how i got my loan from Mr Morgan jackson ( Morganinvestment10@yahoo.com) } after i applied from various loan lenders who claimed to be lenders right here this forum, i thought their lending was real and i applied but they never gave me loan until a friend of mine introduce me to Mr Morgan Jackson, who promised to help me with any loan of my desire and he really did as he promised without any form of delay, I had doubts but i never seize to believe. I never thought there are still reliable loan lenders until i met Mr Morgan Jackson, who really helped me with my loan and changed my life for the better. I know there are still many good lenders out there but i would advise you to try Mr Morgan Jackson, he is caring and understanding. I don't know if you are in need of an urgent loan also or want funds for your projects, So feel free to contact Mr Morgan Jackson his email address is ( Morganinvestment10@yahoo.com)..

    ReplyDelete
  83. Contact: Gary Snyder
    Skype ID: readysteadyfinancesltd
    Email: readysteadyfinancesltd@gmail.com
    Tele: +447031912976

    We offer certified and verifiable bank instruments through Swift Transmissions from original

    providers capable of taking over time-bound transactions.

    PARTICULAR INSTRUMENTS BANK

    Instrument: Fully Cash / Bank Guarantee (Standard ICC format)
    Age: Fresh Cut
    Interest Rate: ZeroCoupon
    Duration: One (1) year and One (1) day
    Currency: USD / Euro
    Menu Bank: WEB Top
    Amount: As Suggested by Beneficiaries
    Initial Deposit: Applies to Instrument Value Required
    Invoice Price: Four (4%) Percent of Face Value minus Paid Initial Payment
    Intermediate Fee: One Percent (1%) of the Face Value is paid by the Beneficiary
    Tranche: As per the agreed tranche schedule
    Shipping: Swift MT799 / MT760
    Payment: Swift MT103 (Wire Transfer)

    ReplyDelete
  84. Hello, Am Dr. patric stewart

    am a legitimate and reliable Loan lender. I offer all kinds of packages of Loans. I give out loans on a clear and understandable terms and conditions at 2% interest rate. From $5000 to $6000000 USD, Euro And Pounds Only. We give out Business Loans, Personal Loans, Student Loans,Car Loans, Bank Loans And Loans To Pay Off Bills. If interested kindly Contact us:patricstewart222@gmail.com Or +1 321 999 0232

    Your Full Name:
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    Loan Amount Needed:
    Loan duration:
    Occupation:
    Phone number:
    Loan Purpose:
    Monthly income:

    Best Regards
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    ReplyDelete
  85. Dear Sir,

    We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease, our bank instrument can be engage in PPP Trading, Discounting, signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffeur driven offers.

    We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.

    The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760,
    Description OF INSTRUMENTS:

    1. Instrument: Bank Guarantee (BG/SBLC)
    2. Total Face Value: Eur/USD 5M MIN and Eur/USD 10B MAX (Ten Billion EURO/USD).
    3. Issuing Bank: HSBC Bank London, Barclay's bank London,Credit Suisse and Deutsche Bank Frankfurt.
    4. Age: One Year, One Month
    5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
    6. Delivery: Bank to Bank swift.
    7. Payment: MT-103 or MT760
    8. Hard Copy: Bonded Courier within 7 banking days.

    We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me.


    Regards,
    kelvin Brigth
    Skype: kelvinbrigth84@gmail.com
    Email: kelvinbrigth84@gmail.com
    Phone: +447031956543

    ReplyDelete