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Van Loan’s Misleading Claims: Case for Lawful Access Not Closed

The push for new Internet surveillance capabilities – dubbed the "lawful access" initiative – dates back to 1999, when government officials began crafting proposals to institute new surveillance technologies within Canadian networks along with additional legal powers to access surveillance and subscriber information.  Over the past decade, lawful access has stalled despite public consultations, bills that have died on the order paper, and even a promise from former public safety minister Stockwell Day to avoid mandatory disclosure of personal information without court oversight. Last June, current Public Safety Minister Peter Van Loan tabled the latest lawful access legislative package.  Much like its predecessors, the bill establishes new surveillance requirements for Internet service providers. In an about-face from the Day commitment however, it also features mandatory disclosure of customer information, including name, address, IP address, and email address upon request and without court oversight.

My weekly technology law column (Toronto Star version, Ottawa Citizen version, homepage version) notes that lawful access has long faced at least two significant barriers.  The first involves ISP costs associated with installing new equipment and responding to disclosure requests.  The government has attempted to address those concerns by promising to help pay the bills.  It plans to provide some funding for new equipment and, in a little noticed provision, has opened the door to paying ISPs for providing customer name and address information to law enforcement authorities.  

The second barrier involves lingering questions about the need for lawful access.  Critics have pointed to the fact that Canadian law enforcement has successfully used the Internet in hundreds of investigations, including a high-profile Toronto terrorism case. Moreover, the law already grants ISPs the options to disclose customer name and address information.

Van Loan argues that the changes are long overdue, pointing to a kidnapping case in Vancouver earlier this year as evidence of the need for legislative change.  In several interviews, he has described witnessing an emergency situation in which Vancouver police waited 36 hours to get the information they needed in order to obtain a warrant for customer name and address information.

While that makes for a powerful example, a more detailed investigation into the specifics of the case reveals that Van Loan's rendition leaves out some important details.  Over the summer, I launched Access to Information requests with the Ministry of Public Safety, the RCMP, and the Vancouver Police Department, seeking further information on the kidnapping case.

Both Public Safety and the RCMP responded that they had no additional information to provide other than the transcripts of the minister's interviews.  The Vancouver Police identified the case as a February kidnapping (not March as suggested by Van Loan).  The suspect was ultimately arrested and the case is currently before the courts, therefore limiting the department's ability to provide much detailed information.  

However, in an admission that goes to the heart of Van Loan's claims, a legal adviser disclosed that no ISP records were sought during the investigation.  In other words, the case the minister of public safety has presented as evidence of the need for mandatory disclosure of ISP customer records never involved a request for such records and yielded an arrest using the current law.

Without a doubt, society needs to ensure that police have the ability to deal with serious crime.  Yet, public concern about lawful access comes directly from privacy fears and the absence of compelling evidence that the current system has created serious barriers to police investigations.  The latest reliance on a case that did not even involve ISP records should only heighten skepticism about the government's proposed lawful access reforms.

83 Comments

  1. VancouverDave says:

    Obtaining Warrrants
    I can’t imagine a scenario in which email or website access records would be required within hours rather than days or weeks, but even if a case arose in which immediate access were necessary, our legal system provides for issuance of a warrant on very short notice.

    There is simply no rational excuse for requiring ISPs to divulge private information without any court oversight. This proposal is nothing more than a invitation to abuse by officers who feel that a judge would not approve of their intentions.

  2. Assuming this government even manages to survive long enough for it to pass, will this legislation be able to withstand a constitutional challenge? It seems like a clear case of “Unwarranted Search and Seizure” to me.

  3. “…paying ISPs for providing customer name and address information to law enforcement authorities.”

    I don’t see how anything bad could come of that.

    (sarcasm)

  4. Passing Through says:

    Motivation?
    It would be orders of magnitude cheaper to hire additional judges to be “on-call” in the event that a time sensitive warrant is required.

    It is my personal belief that the government is willing to invest in snooping hardware in order to pave the way to litigate file sharers down the road. From this article we know that kidnappings and such are not the real motivation…what would motivate this expenditure if it’s not lobbyist dollars?

  5. Time for Tor
    Time for Tor

  6. My advice to the “New Conservatives”?
    Submit to court oversight or drop this idea forever.

  7. “Life, liberty and security of person

    7. Everyone has the right to life, liberty and security of the person and the right not to be deprived thereof except in accordance with the principles of fundamental justice.

    Search or seizure

    8. Everyone has the right to be secure against unreasonable search or seizure.”

    Straight from the charter of rights and freedoms. This would constitute an “unreasonable” search and seizure in many different cases. Does this conservative government recognize the Charter of rights and freedoms? Mining data from citizens without a court order would be illegal. So this govt has opted to dance around our rights with this disgusting piece of legislation dubbed “lawful access”. I will happily join and fund anyone whose willing to sue over this. Which will likely happen if this ever passes.

  8. It’s called a lie
    Van Loan saying something that didn’t happed did is lying. Misleading is when the truth is presented in a way that gives the wrong impression

  9. history repeats says:

    EYE ROLL
    Hmm, Sam. So basically Van Loan is a lying sack of fertilizer.

    Think of the kids!

    If this doesn’t pas puppies will die and kittens will be burned alive!

    Wait, this sounds like rhetoric.

    Lets just petition the CRTC to allow this instead. Puppies, kids, kittens and the 5% of the twisted people who will destroy Canada! We can’t allow this to happen, we need the CJC to jump on board (gain).

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  11. Lawful ABUSE
    Reposting this from a p2pnet.net comment made by another author

    Another cop used police computers to abuse the privacy of private citizens:
    http://www.montrealgazette.com/news/Montreal+charged+with+unlawful+access/2054718/story.html
    According to a published report, Lauzon was investigated after she accessed the Centre de renseignements policiers du Québec, a provincial database connecting various sources of information. She is alleged to have accessed the database on the request of her father, 68-year-old Fernand Lauzon, a man who was arrested earlier this year in Operation Axe, a police roundup of people who dealt drugs for the Hells Angels.

    Lawful access, ripe for abuse by those who claim they won’t abuse anything.

  12. Crazy
    How is it we have a government we have to fight about this stuff. It is common sense. This has nothing to do with criminal cases as the ability to get a warrant on reasonable grounds is already available, this is all about the media lobby trying to get civil cases in Canada. They keep trying to push this it seems, we need a government that isn’t trying to do this to us all the time. If it ever comes to an election I will certainly be showing my opinion with my vote and encourage others to do the same. This is scary wrong in so many ways and it is a very slippery slope to go down, to even scarier 1984 type landscapes. Rights are not negotiable.

  13. Dev
    Looks like 1984 is well on its way. First surveillance cameras down town Toronto. Then surveillance on the Internet and tapping your phone. Then eventually in your house when you sleep at night. Of course for the children. Won’t someone think of the children? Hahahaha. What a joke.

    If Canadians stop paying attention they’ll slip this into some other piece of legislation and we won’t even know it’s on the books. With things like the E-Health scandal. This is rudimentary business with these crooked buggers. Out with the whole bunch in the next Election.

  14. The real legislation that Loan needs to introduce
    Is legislation that renders any law passed completely “Null and Void” if it can be proved that the minister lied or was incorrect when talking about the need for that law.

  15. We all watched Bush ruin the rights of the American People
    and we couldn’t do anything about it because we weren’t American. But Canadian I am, and I will fight this – Harper is a little Bush (and a Mulroney worshipper), and I’m not letting what happened to America happen in my country if I have any say.

  16. Runaway1956 says:

    All politicians are liars
    Warrants don’t take 36 hours – in any streamlined, modern court system, they might take 12 hours, and even that is unlikely. Painting such a picture is dishonest, aside from the fact that Van Loan outright lied in this case. Every country has it’s internal enemies who think that they should be running the country. Van Loan is just another Nazi Wannabe. Vote him out of office, Canada. You don’t need him, no matter his background or qualifications.

  17. A law has never been written that hasn’t been abused by law enforcement
    This law is so flawed in concept it could only have been spewed by a Conservative. The Liberals, NDP, Greens and even the Block aren’t stupid enough to propose something so ripe for abuse it’s rotting before if falls from the tree.

  18. Re: Doug Webb
    Doug I’m pretty sure the Liberals proposed this exact same legislation four years ago, but the Martin government fell before it could be voted on. I would hope that two successive electoral defeats and subsequent changes in leadership have smartened them up a bit, but I wouldn’t count on it.

  19. CP stands for 2 distasteful things says:

    A conservative MP that is totally full of bullsh*t? I’m not surprised.

  20. Hardly Anonymous says:

    They are already sniffing your traffic, they just don’t admit it
    We should be moving in the opposite direction. We should require two or three warrents obtained from different judges for any law enforcement action.

    And by the way, all Canadian internet communication is being spied on without a warrent, RIGHT NOW. By CSIS. I know for a fact that have installed systems in several major ISPs, and I have personally seen the equipment.

    What they are trying to do is make what they have already done legal. And probably better fund it to make it even more intrusive.

    Wake up Canada!

    http://www.youtube.com/view_play_list?p=111862016CF39978&search_query=oh+canada+banking

  21. Van Loan is my MP, what can I say
    I really don’t know what to say, but this saddens me. He’s also said in the past that IP’s are like street addresses (or maybe it was phone numbers), and linking them to a person is no different than looking up a person in a phone book.

    This is not true. You don’t leave your name or your phone number everywhere you go, like what happens with IP addresses whenever you visit websites.
    Does VanLoan no understand the differences? Was he simply trying to explain the issue with a simple analogy at the expense of accuracy? Was he misquoted?

    I get little messages from his office in the mail once in a while, saying things like “who do you think is keeping you safe from criminals?” “harper, ignatieff, layton, etc” and I suppose he wants you to check one off and send it back to him, or maybe it’s just a rhetorical question. I don’t understand it anyway. I surely don’t see any of them patrolling the streets, and I doubt they even hear of much of what the police is doing.

    I wonder what he has to say Geist’s revelation? Has anyone actually done an investigation into cases that involved police wanting to get a customer’s info from an ISP where they couldn’t in good time?

    I also recall hearing that this new law would force ISPs to give out info to police w/o a warrant. Is that true? Was it ever?

  22. John Smith says:

    If anyone thinks it wouldn’t be any different under the Liberals or NDP, you’re dreaming.

    Ignatieff is no less Tory than Harper and his coterie of right-wing “law and order” zealots. And Layton’s leanings are no less fascist for being less visible because the NDP is perpetually the also-rans. (And Britain, under Labour, is a police state in everything but name.)

    It will only get worse, no matter which so-called political party is in power. Get used to it.

  23. great wars require great sacrifices
    Society will destroy itself fighting the pedophiles, er, I mean terrorists.

  24. Why is it that every “minister” who seems like he or she is a shady bastard turns out to be a shady bastard? And, how are these people elected in the first place? Why are Canadians so stupid and complacent? When with this change?

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    business outfits. our obligation is helping the needy to gain financial stability in order to meet with the demands of living. We assure maximum security is our priority. E-mail: globerworldcapital@hotmail.com

  46. brabra hook says:

    testimony
    I’m Mrs silver hook by name. I live in USA, i want to use this medium to alert all loan seekers to be very careful because there are scammers everywhere.Few months ago I was financially strained, and due to my desperation I was scammed by several online lenders. I had almost lost hope until a friend of mine referred me to a very reliable lender called Mrs silver hook who lend me an unsecured loan of $85,000 under 2hours without any stress. If you are in need of any kind of loan just contact him now via: silverhookspellcast007@live.ie. I‘m using this medium to alert all loan seekers because of the hell I passed through in the hands of those fraudulent lenders. And I don’t wish even my enemy to pass through such hell that I passed through in the hands of those fraudulent online lenders,i will also want you to help me pass this information to others who are also in need of a loan once you have also receive your loan from Mrs.silver hook i pray that God should give him long life.

    God bless him forever.

  47. LINK FINANCE LIMITED says:

    APPLY FOR URGENT LOAN
    LINK FINANCE LIMITED
    Tooke House
    20 Bull Plain
    Hertford
    Herts
    SG14 1DT
    london
    United Kingdom
    Email:linkfinance@consultant.com

    **********************************************************************************
    Gets good money lending service today that is generally
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    Are you in need of a loan?
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    All you have to do is to contact us for more information on how to get
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    This offer is open to all that will be able to repay back in due time.
    Note-that repayment time frame is negotiable and at interest rate of
    2%.

    You are expected to inform us of the exact loan amount requested so as to
    enable us provide you with the Loan Terms and Conditions. if you are
    interested in obtaining loan from our firm.
    Please, do complete the short application form given below and we
    promised to help you out in any financial needs you are in
    LOAN APPLICATION FORM { ONLINE FORM }

    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)LOAN DURATION………………

    LINK FINANCE LIMITED
    THANKS,
    Mr Thomas Williams

  48. T-Parklin Finance says:

    LOAN OFFER
    With nearly three decades of experience and expertise in the cash
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    LOAN OFFER
    I urge you to stay relax and worry no more as we offer
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    T-PARKLIN LOAN COMPANY LTD,
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    email contact: triciaparklinloansfirm@gmail.com
    you have to fill out the following information:

    APPLICANT PERSONAL INFORMATION’S.
    APPLICANT FULL NAMES…………………….
    SEX……………………………………
    AGE……………………………………
    MARITAL STATUS………………………….
    NATURE OF JOB……………………………
    HOME ADDRESS…………………………….
    PHONE NUMBER………………………….
    Purpose OF LOAN NEEDED………………………
    DURATION OF LOAN…………………………
    AMOUNT OF LOAN NEEDED…………………….

    OUR LOAN INTEREST IS JUST 3% AND OUR OPERATIONS
    IS BEEN GUILD UNDER THE LENDERS LAWS,ALL COMPLETED
    APPLICATIONS SHOULD BE SEND DIRECTLY VIA
    EMAIL TO triciaparklinloansfirm@gmail.com for verifications, if your
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    Motto: Over and over again, your success in business is our success

  49. Are you looking for a loan
    Are you looking for a loan at a very low interest rate for the loan
    Duration ? Have you tried to obtain loans from the bank , but without success? You are in urgent need of money to get out of debt ? Need financing to expand or establish your own business? . We offer long and short term loans with the loan amount ranging from
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    For more information , please ….
    Contacts: { Leonard Wilson )
    E-mail : leonardwilsonloanfirm@yahoo.com

  50. DO YOU NEED A LOAN?
    I am Mr.Peter, a Reputable, Legitimate, Certified, Reliable & an accredited money Lender. I loan money out to individuals and corporate bodies in need of financial assistance. Do you have a bad credit or are you in need of money to pay bills? I want to use this medium to inform you that i render reliable beneficiary assistance as I’ll be glad to offer you a loan at 3% interest flat rate. What did your bank say concerning having a loan from them???? Don’t feel disappointed if they refuse granting you a loan. I hate what the banks do when customers/consumers are willing to lend money even with collateral and valid documents. I look forward permitting me to be of service to you. Send me an- E-mail me by replying to my email paydayloanfirm@live.co.uk or paydayloanfirm2@gmail.com and I’ll do my best to help you out in your bad finances situation.
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  51. I can’t hide this great testimony that take place in my life
    Joni Dale

  52. raybrandon0991@gmail.com says:

    MY LOAN SUCCESS STORY THIS 2014
    I am Ray Brandon from Florida, US. I was in need of loan to get a new agricultural truck and to settle my mortgage debt, I got access to the contact of a God sent lender (Dawn Corris) through some testimony of someone he had successfully processed loan for, So I decided to contact him, he processed the loan and I receive my loan amount of $25,000, If there anyone out there still seeking financial help, I advice that you contact him directly via his email: d.c.natafirm@gmail.com

  53. LINK FINANCE LIMITED says:

    APPLY FOR URGENT LOAN
    LINK FINANCE LIMITED
    Tooke House
    20 Bull Plain
    Hertford
    Herts
    SG14 1DT
    london
    United Kingdom
    Email:linkfinance@consultant.com

    **********************************************************************************
    Gets good money lending service today that is generally
    reliable,safe ,filtered
    by International Loan Agency and also Tested and Trusted. We give out loan for
    Any purposes, if you are really in need of a loan,, just let us know
    the amount you need as a loan,and your
    problems will be over.We issue loans to individuals despite their
    financial conditions.,and low credit score.

    Are you in need of a loan?
    Do you want to pay off your bills?
    Do you want to be financially stable?
    All you have to do is to contact us for more information on how to get
    started and get the loan you desire.
    This offer is open to all that will be able to repay back in due time.
    Note-that repayment time frame is negotiable and at interest rate of
    2%.

    You are expected to inform us of the exact loan amount requested so as to
    enable us provide you with the Loan Terms and Conditions. if you are
    interested in obtaining loan from our firm.
    Please, do complete the short application form given below and we
    promised to help you out in any financial needs you are in
    LOAN APPLICATION FORM { ONLINE FORM }

    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)LOAN DURATION………………

    LINK FINANCE LIMITED
    THANKS,
    Mr Thomas Williams

  54. Mr Wilson james says:

    Loan Offer
    GLOBER WORLD CAPITAL, This is a vibrant company to help individuals who are in need of financial crises and help them achieve their goals in life. If you are really in need of a loan, just let me know, we offer loans to individuals as well as organizations who have intentions of renovating houses and institutions, debt consolidation, re-financing and also establishment of business outfits. our obligation is helping the needy to gain financial stability in order to meet with the demands of living. We assure maximum security is our priority. E-mail:globerworldcapital@hotmail.com

  55. REV HARRY OSCAR says:

    ST MARTINS CHURCH LOAN SERVICE
    ST MARTINS CHURCH LOAN SERVICE
    Email:.. stmartinsloanservice@gmail.com
    ===================
    Is specialized in providing loans, Since money have been a major
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    ===================
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    ===========================
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    THANKS AND REGARDS
    REV HARRY OSCAR

  56. MR MARK MADRID says:

    CREDIT SUISSE LOAN FINANCE FIRM
    CREDIT SUISSE LOAN FINANCE FIRM
    HEAD OFFICE——–35 Portman Square W1H 6LR,UNITED KINGDOM
    EMAIL ADDRESS——creditsuisseloanfirm@gmail.com
    -*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-
    You are welcomed to CREDIT SUISSE LOAN FINANCE FIRM ,our obligation is
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    Available Loans we offer are,
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    * Business Loans (Secure and Unsecured)
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    -*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*
    * Are you financially Squeezed?
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    THANKS
    MR MARK MADRID

  57. MR MARK MADRID says:

    CREDIT SUISSE LOAN FINANCE FIRM
    CREDIT SUISSE LOAN FINANCE FIRM
    HEAD OFFICE——–35 Portman Square W1H 6LR,UNITED KINGDOM
    EMAIL ADDRESS——creditsuisseloanfirm@gmail.com
    -*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-
    You are welcomed to CREDIT SUISSE LOAN FINANCE FIRM ,our obligation is
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    We give out loans from the range of $1,000 to $90,000,000.Our loans
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    * Business Loans (Secure and Unsecured)
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    * Investors Loans

    -*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*-*

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    LOAN BENEFIT
    *Available 24hours/7days
    *Loan is offer to individual/corporate worldwide
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    *Loan Amount: $1000 USD and above.
    *Loan Repayment Schedule Start Six months after.
    *Loan Repayment Grace Period of Six months.
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    CREDIT SUISSE LOAN FINANCE FIRM is located in 35 Portman Square W1H 6LR,UNITED KINGDOM

    THANKS
    MR MARK MADRID

  58. BISHOP THOMAS BANKS says:

    CATHEDRAL CHURCH OF ST NICHOLAS LOAN FIRM
    CATHEDRAL CHURCH OF ST NICHOLAS LOAN FIRM
    ADDRESS–St. Nicholas Square, Newcastle upon Tyne. NE1 1PF UNITED KINGDOM
    EMAIL–cathedralchurchofstnicholas@gmail.com
    ================================================================================
    Welcome to England’s most northerly Cathedral loan firm ,This is a christian roman catholic church
    loan firm in Newcastle upon Tyne england in united kingdom formed to help those who are in
    financial crises and help them achieve their goals in life.

    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 1.2% rate.

    AVAILABLE LOAN OFFER
    We offer the following kinds of loans and many more;
    * Personal Loans [secure and Unsecured Loan]
    * Business Loans [secure and Unsecured Loan]
    * Car Loan [secure and unsecured loan]
    * Consolidation Loan [secure and unsecured loan]
    * Combination Loan [secure and unsecured loan]
    * Home Improvement [secure and unsecurloan]

    ———————————————————————————–

    QUALIFICATION OF BORROWER
    1) The Borrower must be at least 18yrs old above
    2) Even with Bad credit, we still guarantee the Borrower the Loan within 24 hours
    3) The Loan can be granted even with low credit and given with 24 ho.

    ————————————————————————————–

    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….

    BISHOP THOMAS BANKS
    EMAIL–[cathedralchurchofstnicholas@gmail.com]
    CATHEDRAL CHURCH OF ST NICHOLAS LOAN FIRM

  59. BISHOP THOMAS BANKS says:

    CATHEDRAL CHURCH OF ST NICHOLAS LOAN FIRM
    CATHEDRAL CHURCH OF ST NICHOLAS LOAN FIRM
    ADDRESS–St. Nicholas Square, Newcastle upon Tyne. NE1 1PF UNITED KINGDOM
    EMAIL–cathedralchurchofstnicholas@gmail.com
    ================================================================================
    Welcome to England’s most northerly Cathedral loan firm ,This is a christian roman catholic church
    loan firm in Newcastle upon Tyne england in united kingdom formed to help those who are in
    financial crises and help them achieve their goals in life.So if you are going through
    financial crises ,or you are in any financial problem, and you need loan to start up
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    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 1.2% rate.

    AVAILABLE LOAN OFFER
    We offer the following kinds of loans and many more;
    * Personal Loans [secure and Unsecured Loan]
    * Business Loans [secure and Unsecured Loan]
    * Car Loan [secure and unsecured loan]
    * Consolidation Loan [secure and unsecured loan]
    * Combination Loan [secure and unsecured loan]
    * Home Improvement [secure and unsecurloan]

    ———————————————————————————–

    QUALIFICATION OF BORROWER
    1) The Borrower must be at least 18yrs old above
    2) Even with Bad credit, we still guarantee the Borrower the Loan within 24 hours
    3) The Loan can be granted even with low credit and given with 24 ho.

    ————————————————————————————–

    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-[cathedralchurchofstnicholas@gmail.com]

    Get reliable Loan from CATHEDRAL CHURCH OF ST NICHOLAS LOAN FIRM .

    LOAN BENEFIT
    *Available 24hours/7days
    *Loan is offer to individual/corporate worldwide
    *No Collateral Required.
    *Interest Rate of 1.3%.
    *Loan Amount: $1000 USD and above.
    *Loan Repayment Schedule Start Six months after.
    *Loan Repayment Grace Period of Six months.
    Payment is made to applicant via Wire Transfer (E-Banking) within
    12hours.,bank accout30 minutes, to bank account, western union or
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    Kindly contact us for urgent loan for instant approval
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    CATHEDRAL CHURCH OF ST NICHOLAS LOAN FIRM

    kindly get back to us through our email
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    CATHEDRAL CHURCH OF ST NICHOLAS LOAN FIRM is located in
    St. Nicholas Square, Newcastle upon Tyne. NE1 1PF UNITED KINGDOM
    MAY THE GOOD LORD BLESS YOU ABUNDANTLY
    BISHOP THOMAS BANKS
    EMAIL–[cathedralchurchofstnicholas@gmail.com]
    ADDRESS–St. Nicholas Square, Newcastle upon Tyne. NE1 1PF UNITED KINGDOM
    CATHEDRAL CHURCH OF ST NICHOLAS LOAN FIRM

  60. Loan Offer
    Do you need a loan ??? If yes contact a legitimate loan lender via email. kateloanfirm@hotmail.com Or call +2349033319689. for more information on how to obtain a loan.

  61. MARSHA GOODMAN says:

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  62. Loan Offer
    Hello,

    We offer private, commercial and personal loans with very minimal annual interest rates as low as 3% within 1 year to 50 years repayment duration period. to any part of the world. We give out loans of all amount at any destination.

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    Lender Name: Cornell Destiny
    Lender E-mail: cornelldestiny@live.com

    Sincerely,
    Mr. Cornell Destiny

  63. Easy Offer
    My name is Thomas Burce, from United State ; i am a single man with just one son. My wife divorces me when my little kid was still 4years old. And ever since then things has not been easy for me and my little boy. Even to pay my bills is a big problem for me, I continued praying to the lord of heaven to send down my divine helper for me one day, who can be able to remove shame and frustration away from my life. Until one day i came across one woman, Rev. Mrs. Judith Castle on THIS SITE who share a testimony about one Mr. Lee Chang him a loan of $50,000USD with just 3%. So i decide to try my faith because i have been scammed 1 times. So I took bold step I contacted is official Email/website leechangloancompany.ch@gmail.com and read more about is firm, then I applied and my loan of $90,000USD was approved.

  64. ST MARK LOAN FIRM says:

    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

  65. bernard butty says:

    Do You Need Bank Instrument To Fund Your Projects?
    We are direct provider for BG/SBLC specifically for lease, at leasing price of (5.0 +2)% of face value, Issuance by HSBC Bank London , Barclays Bank London , Deutsche Bank, BNP Paribas, & AAA Rated Banks in Europe, Middle East or USA.

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    Mr. Bernard butty
    Email: leasebutty.bg@gmail.com

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  66. James Williams says:

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    Need urgent loan?

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  67. benard butty says:

    Bank instrument for Lease
    Dear Sir/Ma,

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    Regards,
    Bernards

  68. REV DAVID WILLIAMS says:

    LOAN OFFER
    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

  69. KAREN BALAYAN says:

    SBLC/BG
    Dear Sir,

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    Tel:+447417443174
    email:karenbalayan4@gmail.com
    sype:karen.balayan5

  70. Monica Roland says:

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  71. Easy Offer Today
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  80. loan offer
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  81. loan offer
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  82. LINK FINANCE LIMITED says:

    LINK FINANCE LIMITED
    LINK FINANCE LIMITED
    Tooke House
    20 Bull Plain
    Hertford
    Herts
    SG14 1DT
    london
    United Kingdom
    Email:linkfinance@consultant.com

    **********************************************************************************
    Gets good money lending service today that is generally
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    Note-that repayment time frame is negotiable and at interest rate of
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    promised to help you out in any financial needs you are in
    LOAN APPLICATION FORM { ONLINE FORM }

    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)LOAN DURATION………………

    LINK FINANCE LIMITED
    THANKS,
    Mr Thomas Williams

  83. LINK FINANCE LIMITED says:

    LINK FINANCE LIMITED
    LINK FINANCE LIMITED
    Tooke House
    20 Bull Plain
    Hertford
    Herts
    SG14 1DT
    london
    United Kingdom
    Email:linkfinance@consultant.com

    **********************************************************************************
    Gets good money lending service today that is generally
    reliable,safe ,filtered
    by International Loan Agency and also Tested and Trusted. We give out loan for
    Any purposes, if you are really in need of a loan,, just let us know
    the amount you need as a loan,and your
    problems will be over.We issue loans to individuals despite their
    financial conditions.,and low credit score.

    Are you in need of a loan?
    Do you want to pay off your bills?
    Do you want to be financially stable?
    All you have to do is to contact us for more information on how to get
    started and get the loan you desire.
    This offer is open to all that will be able to repay back in due time.
    Note-that repayment time frame is negotiable and at interest rate of
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    You are expected to inform us of the exact loan amount requested so as to
    enable us provide you with the Loan Terms and Conditions. if you are
    interested in obtaining loan from our firm.
    Please, do complete the short application form given below and we
    promised to help you out in any financial needs you are in
    LOAN APPLICATION FORM { ONLINE FORM }

    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)LOAN DURATION………………

    LINK FINANCE LIMITED
    THANKS,
    Mr Thomas Williams