Complete Guide on Overseas NMC Registration for Filipino Nurses (IELTS and CBT)
According to the National Health Services of United Kingdom, they are experiencing shortage of nurses with not enough new recruits to fill the gap. This is why the UK considered bringing in nurses from other countries to address the increasing demand of nursing services in their country. Due to the multitude of nurses in the Philippines and the reputation we have as competent, efficient, compassionate and extra caring nurses, our country became the target of recruitment drives by NHS Trusts and private care homes.So to help my fellow aspiring UKRNs, I wrote this blog post to give you a step by step guide on how to go about the application process of NMC Overseas Registration.
The Nursing and Midwifery Council is the regulating body of nurses and midwives in the UK. They have set strict standards for nurses which is why before you can register you must make sure you have these requirements:
- Education Requirement (at least 10 years school education before starting Nursing Program)
- Practice Requirement (at least 1 year post-registration clinical experience)
- Language Requirement (IELTS band score of at least 7 in each area)
I. Aquiring your IELTS Certificate
According to NMC, "Applicants must be able to show that they can communicate clearly and effectively in English. They must complete the International English Language Testing System (IELTS) and achieve a minimum score of at least seven in all areas."
Last 2016, they modified the rules in which candidates may use two IELTS test results to meet the requirements, provided that the scores don't fall under 6.5 in any categories. Also, the two test sittings must have a gap of only six months or less.
For instance, if you took the IELTS last December 2016 with a result of 7 in Listening, 6.5 in Reading, 6.5 in Writing, and 7 in Speaking, your second take should be on or before June 2017 and it must have a result of 7 in both Reading and Writing to be able to use both test results.
If by any chance your second take is still 6.5 in Reading or Writing, you cannot combine both. If you were able to reach the band score of 7 in both Reading and Writing but your scores in Listening and Speaking are below 6.5, then you still cannot use both results.
There are news of NMC evaluating the minimum score requirement because most of the foreign nurses cannot achieve the minimum band scores, but they have not confirm any changes yet.
If you have taken the IELTS and achieved the required band scores, you are now ready to proceed to the next step. Although, you must first wait for your IELTS Test Report Form to arrive via mail because you will need the TRF number for verification purposes.
II. Eligibility
The next step would be the Eligibility stage. All nurses trained outside Europe (EU) and the European Economic Area (EEA) needs to register in the Overseas Registration Applications.
1. To begin the process, first, create an account in NMC and activate it by clicking the link they will send you on your email address. (Reminder: Do not create multiple accounts because this will create problems during your application.)
2. After creating your account, log-in and fill out the Personal Information and Eligibility Tabs (This is where you will put the IELTS TRF code).
3. After verifying your eligibility, NMC will send you an email (usually within 24 hrs) indicating you have passed the eligibility stage of registration. This will also be reflected on your NMC account.
2. Type 'NMC' on the input box and wait for 'Nursing and Midwifery Council (NMC)' to appear then click it or you can click here.
3. Once you are in the NMC page, read the overview of registration process and instructions on how to book the exam. Afterwards, go to the sign in page and enter your username and temporary password. You will then be asked to change the password and create security questions.
4. Upon logging in, click your Pre-approved Exam. In most cases, it would be RN1: Registered Nurse - Adult.
5. You will then be asked to choose for a testing center, after which, the test date. Pearson Vue do not conduct exams during weekends and holidays. Also, Manila test centers have 6 test time slots while the Cebu test center has only 2 time slots (morning and afternoon).
6. After reviewing the Test Appointment and Location, you can now checkout and pay the exam. The current price of CBT as of 2017 is 130 British Pounds (which is about 8 Thousand Pesos). After payment, you will also receive the appointment details on your email.
STUDY REFERENCES FOR CBT:
1. The Royal Marsden Manual of Clinical Nursing Procedures - 9th Edition
- You don't need to memorize everything in this book. Just read and understand then answer the multiple choice questions in their website. (Click here)
2. The Code for nurses and midwives (NMC)
- Read this several times if you can and digest every principles by heart.
3. NMC Nursing Blueprints
Domain 1: Professional values
Domain 2: Communication and interpersonal skills
Domain 3: Nursing practice and decision-making
Domain 4: Leadership, management and team working
Last 2016, they modified the rules in which candidates may use two IELTS test results to meet the requirements, provided that the scores don't fall under 6.5 in any categories. Also, the two test sittings must have a gap of only six months or less.
For instance, if you took the IELTS last December 2016 with a result of 7 in Listening, 6.5 in Reading, 6.5 in Writing, and 7 in Speaking, your second take should be on or before June 2017 and it must have a result of 7 in both Reading and Writing to be able to use both test results.
If by any chance your second take is still 6.5 in Reading or Writing, you cannot combine both. If you were able to reach the band score of 7 in both Reading and Writing but your scores in Listening and Speaking are below 6.5, then you still cannot use both results.
There are news of NMC evaluating the minimum score requirement because most of the foreign nurses cannot achieve the minimum band scores, but they have not confirm any changes yet.
If you have taken the IELTS and achieved the required band scores, you are now ready to proceed to the next step. Although, you must first wait for your IELTS Test Report Form to arrive via mail because you will need the TRF number for verification purposes.
II. Eligibility
The next step would be the Eligibility stage. All nurses trained outside Europe (EU) and the European Economic Area (EEA) needs to register in the Overseas Registration Applications.
1. To begin the process, first, create an account in NMC and activate it by clicking the link they will send you on your email address. (Reminder: Do not create multiple accounts because this will create problems during your application.)
2. After creating your account, log-in and fill out the Personal Information and Eligibility Tabs (This is where you will put the IELTS TRF code).
3. After verifying your eligibility, NMC will send you an email (usually within 24 hrs) indicating you have passed the eligibility stage of registration. This will also be reflected on your NMC account.
4. At this point, you will just have to wait for Pearson Vue to email your Authorisation To Test (ATT) and your Pearson Vue Web Account Confirmation which contains your username and temporary password. (Reminder: You do not need to create an account on Pearson Vue)
You are now ready for Step 3!
III. How to schedule your NMC-CBT (Test of Competence - Part I)
1. After receiving your web account details from Pearson Vue. Go to the Pearson Vue website. Under 'For Test Takers' menu, click 'Schedule an exam'.2. Type 'NMC' on the input box and wait for 'Nursing and Midwifery Council (NMC)' to appear then click it or you can click here.
3. Once you are in the NMC page, read the overview of registration process and instructions on how to book the exam. Afterwards, go to the sign in page and enter your username and temporary password. You will then be asked to change the password and create security questions.
4. Upon logging in, click your Pre-approved Exam. In most cases, it would be RN1: Registered Nurse - Adult.
5. You will then be asked to choose for a testing center, after which, the test date. Pearson Vue do not conduct exams during weekends and holidays. Also, Manila test centers have 6 test time slots while the Cebu test center has only 2 time slots (morning and afternoon).
6. After reviewing the Test Appointment and Location, you can now checkout and pay the exam. The current price of CBT as of 2017 is 130 British Pounds (which is about 8 Thousand Pesos). After payment, you will also receive the appointment details on your email.
STUDY REFERENCES FOR CBT:
1. The Royal Marsden Manual of Clinical Nursing Procedures - 9th Edition
- You don't need to memorize everything in this book. Just read and understand then answer the multiple choice questions in their website. (Click here)
2. The Code for nurses and midwives (NMC)
- Read this several times if you can and digest every principles by heart.
3. NMC Nursing Blueprints
Domain 1: Professional values
Domain 2: Communication and interpersonal skills
Domain 3: Nursing practice and decision-making
Domain 4: Leadership, management and team working
Adult nursing: Field specific competencies
- Honestly, I did not read the table. hehe. I just clicked the recommended readings at the end of each PDF.
4. The NMC website has a lot of resources in which you can read which includes:
Standards for competence for registered nurses
Standards to support learning and assessment in practice- Honestly, I did not read the table. hehe. I just clicked the recommended readings at the end of each PDF.
4. The NMC website has a lot of resources in which you can read which includes:
Standards for competence for registered nurses
Standards of proficiency for nurse and midwife prescribers
Standards for medicines management
Enabling professionalism in nursing and midwifery practice
Safeguarding resources and best practice
5. Good Practice for Drug Calculations (Baxter)
- There aren't really much drug calculations in the exam, but you still need to practice and review basic medication calculations before the exam.
6. RCN website - Royal College of Nursing (practice and policies)
Accountability and delegation
Quality and safety
Principles of nursing practice
5. Good Practice for Drug Calculations (Baxter)
- There aren't really much drug calculations in the exam, but you still need to practice and review basic medication calculations before the exam.
6. RCN website - Royal College of Nursing (practice and policies)
Accountability and delegation
Quality and safety
Principles of nursing practice
7. NICE website - The National Institute for Health and Care Excellence (evidence-based guidelines)
8. NHS website - The National Health Service (symptoms, conditions, medicines and treatments)
9. eMC website - The electronic Medicines Compendium (information of medicines licensed for use in the UK)
10. Resus website - Resuscitation Council UK (resuscitation guidelines)
REMINDERS & TIPS FOR CBT:
After the exam, the staff from Pearson Vue will give you an envelope with an Examination Report. They will not give you the result right away like Prometric/HAAD exams. Instead, you will check the result of the exam on the Pearson Vue website, which will be updated an hour after you finished the exam. Just click 'Exam History' which is under 'My Account'.
8. NHS website - The National Health Service (symptoms, conditions, medicines and treatments)
9. eMC website - The electronic Medicines Compendium (information of medicines licensed for use in the UK)
10. Resus website - Resuscitation Council UK (resuscitation guidelines)
REMINDERS & TIPS FOR CBT:
- Please double check your birth date in your NMC account and make sure the details on your passport and NMC account is the same. (Some candidates were refused admission because of wrong birth dates)
- You only need to bring your Passport during the exam. But it is better to have a copy of your appointment details (printed or saved on your phone) to avoid confusion on the time and date of exam.
- Try to arrive 30 minutes before your test time so that you can request for better exam cubicles. When I took the CBT, I was placed in the most uncomfortable location (beside the door and facing the corridor). During the exam, I can see silhouettes of people passing by and whenever someone enters or leaves the room, the sound of the door was driving me nuts. I had no choice but to endure it since the exam room was already full.
- Maximize the time given during the exam. I know some of you might feel that 4 hours is too long for a 120-item exam, but it really pays to review your answers (I triple checked my answers).
- Do not over-analyze and do not assume. Just answer what is asked in the question.
- If you find your self clueless with the question asked or confused with the choices, just go back to the nursing principles and the code. Always prioritize the patient and act on their best interest.
After the exam, the staff from Pearson Vue will give you an envelope with an Examination Report. They will not give you the result right away like Prometric/HAAD exams. Instead, you will check the result of the exam on the Pearson Vue website, which will be updated an hour after you finished the exam. Just click 'Exam History' which is under 'My Account'.
Upon passing the exam, you will now proceed to the Full Application and Assessment Stage.
Part 2: Complete Guide on NMC Full Application and Assessment
Hope this post has helped you somehow. God bless!
Part 2: Complete Guide on NMC Full Application and Assessment
Hope this post has helped you somehow. God bless!
194 comments
Write commentsVery great post. I simply stumbled upon your blog and wanted to say that I have really enjoyed browsing your weblog posts. After all I’ll be subscribing on your feed and I am hoping you write again very soon!
ReplyGood day ma'am. I would just like to ask how long did Pearson Vue take to email you the Authorization to test and account confirmation? It has been more than two days since I passed the eligibility stage and I have not received any email from Pearson Vue.
ReplyThanks for sharing. I hope it will be helpful for too many people that are searching for this topic. Keep posting and keep this forum a great place to learn things.
ReplyThank you for this step by step blog. Such a great help especially for me who's planning to apply in UK. Thank you
ReplyHi there! I found your post very helpful so I bookmarked this page as my guide. I just have some few questions. Does the pearson vue send the ATT and web account confirmation together? I have passed the eligibility stage already and have received the web account confirmation from Pearson vue; but haven’t received an ATT. When I logged in my Pearson vue account, I do not have the pre-approved exams option. I think this is the reason why I cannot book for my CBT. I already sent an inquiry to Preason vue regarding this but two days have passed now since my inquiry but i haven’t received any reply yet. This means 72hours have passed since i passed the eligibility stage. Could anyone help me out?
ReplySince I am having problems with my NMC application, I happen to stumble upon you blogpost (I sure wish I've seen this sooner) thank you for this! :)
ReplyHi! I think were on the same boat as I haven't received an ATT as well up until now. Did you already receive yours?
ReplyThank for posting this! It's really helpful.
ReplyHi!! I would like to ask, cause I already have my eligibility but I have not received my ATT yet. Do I need to call pearson vue? Thanks.
ReplyMine as well, and pearson vue has not replied back to my email.
ReplyHi. Mine too. Have you received your ATT already?
ReplyHi. Mine too. Did you already received your ATT?
ReplyDid nmc asked for TRF number during registration? i have the same issue, from what i can recall, NMC did not ask for TRF number, just personal details, and yet,i became eligible, but no ATT letter
ReplyHello! I tried calling Pearson vue and NMC this morning and luckily, I was able to talk to them and ask about this. NMC told me that there's a glitch on their system that's why no available pre-approved exam will be seen on the Pearsonvue account. Did you also apply for evidence two? thanks.
ReplyCan we register for the CBT exam even if we don't have the ATT?
ReplyI also applied for Evidence 2 and I just received my ATT from pearson vue, but I haven’t booked an exam yet— I feel like I’m not ready. Does anyone here knows if ATT has an expiration?
ReplyHi! I had the same problem. I registered last Nov 16, but only received my ATT today Nov 28. I wrote several emails to both NMC and Pearson Vue but they would just point fingers at each other. So, I called them instead this afternoon.First Pearson Vue, they told me I still can't schedule my CBT despite the email NMC sent me. Afterwards, I called NMC then I was told that there was a system error but they were able to resolve it already so I should call back Pearson Vue. Then, I called Pearson Vue, they told me they still don't have my ATT. I was put on hold for several minutes then the CSR gave me an email address whereupon I should send the screenshots of the NMC emails I received. I sent them an email, was told it would take 5 days to be processed. BUT after several hours, upon refreshing my email I got it already! Yey! After the long wait and stress. Gosh. Hahaha. AND YES, the ATT has an EXPIRATION. Mine will expire after 6 months. You are only given 2 chances to pass the exam. That's it. Sorry for the lengthy answer. Hehehehe
ReplyBTW, thanks for the guide Faith. XX God bless!
ReplyThanks for sharing your experience with us. I have a quick question guys. It can be seen in the NMC website that CBT takes place first before submitting our IELTS result. In this regard, is it really possible to take the CBT first before getting the ielts? thank you"
ReplyHello. Is there any problem with the NMC portal for overseas nurses? I cannot start my application as the page for creating an account often crashes. Is it the same for everyone who's trying to register nowadays?
ReplyHi. Im a filipino nurse with hospital experience in saudi. On the eligibility form for cbt application, what do i have to put on the country of training? Is it philippines or saudi? Thanks
ReplyHi Faith, thank you for this. I'm glad I came across your blog.
ReplyDelighted after reading your blog. Big thanks Faith!
ReplyThank you so much Faith.God bless ��
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Hello. How long does this process usually takes?
Replyis this still active? i have a few questions though
Reply
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thank you faith! your name indeed comes by the blessings and grace of God. May you continue to help and enlighten others the way you help me. God bless!
ReplyHi! Is it necessary to book a CBT exam right away after I received the ATT from Pearson vue?
ReplyHi, is this thread still active?
ReplyI have a question:
If you Authorised dates like in your example is 31 Dec 2016 to 30 June 2017.. If you take the exam on 30 June, will it still be valid?
Really amazing information. Keep it up! Is it necessary to take the IELTS coaching if anyone wants to score high in IELTS exam.
ReplyDoes anyone know how to start an application again with nmc? Mine expired last june and I can’t apply an application for RN1 anymore.
Replyhello good day does anyone encountered the same problem as mine, i passed the eligibility and has my ATT already but i found out that i entered the passport expiration incorrectly? how can i edit my details since it was already locked? im going to sit the cbt but im afraid there will be discrepancies on the nmc details and they might disallow me to take..thanks
ReplyHello thanks for making a blog about this! I admire your faith.
ReplyMay I also inquire about my non-renewed saudi council while I was working in Saudi.
I was registered May 2014 as Nurse Technicia ,my license was expired May 2017. My work end December of 2017. Should I worry that my license was expired for the last 8months working in Saudi? I didnt renewed it as I have no plans of returning to Saudi.
I have my police clearance with english translation, my exit visa, while I have to obtain my Good standing certificate yet.
Hope I can get a reply from you!
Thankyou!
eirenicshalom@gmail.com
Thank you again!
Hi Faith!
ReplyThank you for sharing your story. Very informative. I'm planning to take my CBT by September in Cebu. May God bless you more. I hope you are living your dream in the UK now.
Hi SSJ!
ReplyI used to work in Saudi as well, can I ask where can we obtain the good standing certificate from Saudi?
Thank you.
regards,
KEN
Hi ma'am. I hope you can give me a sensible advice on my situation. With the recent pronouncement by NMC on minimun required score for writing at 6.5, I plan to use my IELTS exam certificate which will expire on January 2019. My question is would this still be able to book the cbt exam given the limited amount of time to comply with the requirements to take the exam. Will Pearson view consider my situation? Thank you
Replyvery informative! keep writing and helping fellow nurses who are aspiring to work in the uk. God bless!
ReplyDo you guys know what to do if a candidate have two nmc accounts? One created by himself and one from the agency? Thanks in advance
ReplyHi, i had the same issue of having two accounts which is my fault and i had issues in receiving my ATT. I called NMC and they deleted the other account for me.
ReplyHi, i had the same issue of having two accounts which is my fault and i had issues in receiving my ATT. I called NMC and they deleted the other account for me.
ReplyHave you recieved your athorisation to sched the test? I havent recieve mine yet and I was just wondering what would be the next step to take.. 🙂
Reply*authorization
Reply*authorization
ReplyHi! I just want to ask, i'm trying to register at the nmc portal and i am on the page where you need to put your employer and agency's name. I got confused though, when you say employer is it like the name of the NHS you got hired to? And the agency, is it your Philippine Agency like StaffHouse or ASC? Or the UK agency like Jane Lewis? Thanks for your reply!
ReplyHow long before you guys receive your ATT...it's al.ost 2 months since i received my eligibility letter from NMC but i still havent received my ATT...i emailed NMC and pearson vue but no replies yet
Replyhi, can i ask a question? how did you pay for the CBT? i was trying to pay via mastercard but it only says "creditcard option is not available for this order". i called the test center and they said they don't accept cash payments. I am located in Bangladesh; the address of residence i posted in NMC is here in bangladesh. I tried to use my brother's mastercard; he's in the Philippines . Please give me any info on this matter. Thank you. i emailed Pearson Vue but it will take 3 business days for them to reply to me according to their email.
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country *
Sex *
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Length of Loan *
Purpose of Loan *
Have you applied in any loan company before*
Send me a scanned copy of your ID: *
Lender E-mail: markmoelloanhouse@hotmail.com
regards,
Mr.Mark Moel.
markmoelloanhouse@hotmail.com
We offer private, commercial and personal loans with very low annual interest rates as low as 2% in one year to 50 years repayment period anywhere in the world. We offer loans ranging from $ 5,000 to USA $ 100 million. Our loans are well insured for maximum security is our priority. Are you losing sleep at nights worrying how to get a legitimate loan lender? Are you biting your fingernails to the quick? Instead of hitting you, contact Mark Home Loan (Loan Services) now, the specialists who help stop the bad credit history loans, to find a solution that victory is our mission. E-mail: markmoelloanhouse@hotmail.com
ReplyApplicants must complete the application form following loan:
LOAN APPLICATION FORM
Your name and surname *
Your email *
Your telephone number *
Your address *
Your City *
State / Province *
country *
Sex *
Date of birth *
Have an account? *
You have applied before? *
Loan Amount Needed *
Length of Loan *
Purpose of Loan *
Have you applied in any loan company before*
Send me a scanned copy of your ID: *
Lender E-mail: markmoelloanhouse@hotmail.com
regards,
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Hi, I find your blog very helpful. Thank you.
ReplyHowever, I am having a hard time registering as new applicant in the register. They require me for my PRN, and I dont know where to get it. Without it, I cant get assessed by NMC. Thus, I wont be able to set an appointment for CBT.
I hope you can enlighten me. Thanks again.
More blessings to you.
Hi! I've only started my NMC registration. On the first part- it did not ask for my IELTS results. Is that okay? And i can't pay thru PAYMAYA online credit card though it has a current bal of 9,600 pesos. The fee is only GBP140. Pls help.thanks
ReplyI got this response:
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ReplyHello Everybody,
My name is Ahmad Asnul Brunei, I contacted Mr Osman Loan Firm for a business loan amount of $250,000, Then i was told about the step of approving my requested loan amount, after taking the risk again because i was so much desperate of setting up a business to my greatest surprise, the loan amount was credited to my bank account within 24 banking hours without any stress of getting my loan. I was surprise because i was first fall a victim of scam! If you are interested of securing any loan amount & you are located in any country, I'll advise you can contact Mr Osman Loan Firm via email osmanloanserves@gmail.com
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First name......
Middle name.....
2) Gender:.........
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4) Loan Duration:.........
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yang saya dapatkan hanyalah sekelompok penipuan yang membuat saya mempercayai mereka dengan kata-kata manis mereka dan pada akhirnya mereka mengambil semua uang saya tanpa memberi saya imbalan apa pun,
Harapan saya hilang, saya bingung dan kecewa, saya tidak pernah ingin ada hubungannya dengan perusahaan pinjaman di internet, jadi saya pergi untuk meminjam uang dari teman, saya menceritakan semua yang terjadi dan dia bilang dia bisa membantu saya, bahwa Dia tahu perusahaan pinjaman yang dapat membantu saya dengan jumlah pinjaman apa pun yang saya butuhkan dengan tingkat bunga 2% yang sangat rendah, dia baru saja mendapatkan pinjaman dari mereka, dia memberi tahu saya cara mengajukan pinjaman, saya melakukan apa yang dia katakan kepada saya , saya melamar mereka di Email : ( mariaalexander818@gmail.com ) Saya tidak pernah percaya tetapi saya mencoba dan kejutan terbesar saya adalah saya mendapat pinjaman dalam waktu 24 jam, saya tidak percaya,
Saya sangat bahagia dan kaya lagi dan saya bersyukur kepada Tuhan bahwa perusahaan pinjaman seperti ini masih ada selama penipuan ini di mana-mana, tolong beri tahu semua orang di luar sana yang membutuhkan Pinjaman untuk mengunjungi Email mereka ( mariaalexander818@gmail.com ) mereka tidak akan pernah gagal,
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Halo semuanya, Nama saya Siska wibowo saya tinggal di Surabaya di Indonesia, saya seorang mahasiswa, saya ingin menggunakan kesempatan ini untuk mengingatkan semua pencari pinjaman untuk sangat berhati-hati karena ada banyak perusahaan pinjaman penipuan dan kejahatan di sini di internet , Sampai saya melihat posting Bapak Suryanto tentang Nyonya Esther Patrick dan saya menghubunginya melalui email: (estherpatrick83@gmail.com)
ReplyBeberapa bulan yang lalu, saya putus asa untuk membantu biaya sekolah dan proyek saya tetapi tidak ada yang membantu dan ayah saya hanya dapat memperbaiki beberapa hal yang bahkan tidak cukup, jadi saya mencari pinjaman online tetapi scammed.
Saya hampir tidak menyerah sampai saya mencari saran dari teman saya Pak Suryanto memanggil saya pemberi pinjaman yang sangat andal yang meminjamkan dengan pinjaman tanpa jaminan sebesar Rp200.000.000 dalam waktu kurang dari 24 jam tanpa tekanan atau tekanan dengan tingkat bunga rendah 2 %. Saya sangat terkejut ketika saya memeriksa rekening bank saya dan menemukan bahwa nomor saya diterapkan langsung ditransfer ke rekening bank saya tanpa penundaan atau kekecewaan, segera saya menghubungi ibu melalui (estherpatrick83@gmail.com)
Dan juga saya diberi pilihan apakah saya ingin cek kertas dikirim kepada saya melalui jasa kurir, tetapi saya mengatakan kepada mereka untuk mentransfer uang ke rekening bank saya, karena saya berjanji bahwa saya akan membagikan kabar baik sehingga orang bisa mendapatkan pinjaman mudah tanpa stres atau penundaan.
Yakin dan yakin bahwa ini asli karena saya memiliki semua bukti pemrosesan pinjaman ini termasuk kartu ID, dokumen perjanjian pinjaman, dan semua dokumen. Saya sangat mempercayai Madam ESTHER PATRICK dengan penghargaan dan kepercayaan perusahaan yang sepenuh hati karena dia benar-benar telah membantu hidup saya membayar proyek saya. Anda sangat beruntung memiliki kesempatan untuk membaca kesaksian ini hari ini. Jadi, jika Anda membutuhkan pinjaman, silakan hubungi Madam melalui email: (estherpatrick83@gmail.com)
Anda juga dapat menghubungi saya melalui email saya di (siskawibowo71@gmail.com) jika Anda merasa kesulitan atau menginginkan prosedur untuk mendapatkan pinjaman
Sekarang, yang saya lakukan adalah mencoba untuk memenuhi pembayaran pinjaman bulanan yang saya kirim langsung ke rekening bulanan Nyonya seperti yang diarahkan. Tuhan akan memberkati Nyonya ESTHER PATRICK untuk Segalanya. Saya bersyukur
Halo semuanya, saya Rika Nadia, saat ini tinggal orang Indonesia dan saya warga negara, saya tinggal di JL. Baru II Gg. Jaman Keb. Lama Utara RT.004 RW.002 No. 26. Saya ingin menggunakan media ini untuk memberikan saran nyata kepada semua warga negara Indonesia yang mencari pinjaman online untuk berhati-hati karena internet penuh dengan penipuan, kadang-kadang saya benar-benar membutuhkan pinjaman , karena keuangan saya buruk. statusnya tidak begitu baik dan saya sangat ingin mendapatkan pinjaman, jadi saya jatuh ke tangan pemberi pinjaman palsu, dari Nigeria dan Singapura dan Ghana. Saya hampir mati, sampai seorang teman saya bernama EWITA YUDA (ewitayuda1@gmail.com) memberi tahu saya tentang pemberi pinjaman yang sangat andal bernama Ny. ESTHER PATRICK Manajer cabang dari Access loan Firm, Dia adalah pemberi pinjaman global; yang saya hubungi dan dia meminjamkan saya pinjaman Rp600.000.000 dalam waktu kurang dari 12 jam dengan tingkat bunga 2% dan itu mengubah kehidupan seluruh keluarga saya.
ReplySaya menerima pinjaman saya di rekening bank saya setelah Nyonya. LADY ESTHER telah mentransfer pinjaman kepada saya, ketika saya memeriksa saldo rekening bank saya dan menemukan bahwa jumlah Rp600.000.000 yang saya terapkan telah dikreditkan ke rekening bank saya. dan saya punya buktinya dengan saya, karena saya masih terkejut, emailnya adalah (ESTHERPATRICK83@GMAIL.COM)
Jadi untuk pekerjaan yang baik, LADY ESTHER telah melakukannya dalam hidup saya dan keluarga saya, saya memutuskan untuk memberi tahu dan membagikan kesaksian saya tentang LADY ESTHER, sehingga orang-orang dari negara saya dan kota saya dapat memperoleh pinjaman dengan mudah tanpa stres. Jadi, jika Anda memerlukan pinjaman, hubungi LADY ESTHER melalui email: (estherpatrick83@gmail.com) silakan hubungi LADY ESTHER Dia tidak tahu bahwa saya melakukan ini tetapi saya sangat senang sekarang dan saya memutuskan untuk memberi tahu orang lain tentang dia, Dia menawarkan semua jenis pinjaman baik untuk perorangan maupun perusahaan dan juga saya ingin Tuhan memberkati dia lebih banyak,
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Tolong lakukan dengan baik untuk meminta saya untuk rincian lebih lanjut tentang Ibu dan saya akan menginstruksikan, dan ada bukti pinjaman, hubungi LADY ESTHER melalui email: (estherpatrick83@gmail.com) Terima kasih semua
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Jadi suatu sore yang setia sekitar pukul 13:00 tetangga dekat ini menelepon saya dan mengatakan bahwa dia akan mendapatkan pinjaman dari perusahaan pinjaman online jadi jika dia mendapat pinjaman, dia akan memperkenalkan saya kepada perusahaan itu jadi kami pergi ke ATM bersama dan memeriksa pinjaman tidak ada di sana jadi kami menunggu sekitar 30 menit kemudian kami mendapat peringatan di teleponnya dari banknya bahwa dia telah menerima uang di rekeningnya jadi kami memeriksa saldo rekeningnya dan melihat 3 MILIAR kepadanya sebagai pinjaman.
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Langsung saya teriak di depan umum sambil menangis dan saat itu yang saya pikirkan hanyalah jika saya dengan jumlah itu masalah saya berakhir, jadi kami pulang saya tidak memberi tahu suami saya, dari 3 Miliar teman saya memberi saya 1 JUTA dan saya beli beberapa bahan makanan di rumah dan berlangganan dan saya dan tetangga saya meminta pinjaman ke perusahaan karena teman saya memberi saya panduan jadi kami mengikuti prosesnya karena prosesnya sama jadi setelah semua proses, saya dan rekan saya di mana diberikan pinjaman.
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Sampai saya melihat postingan ibu nyonya maria dari sebuah blog dan saya memohon padanya, dia memberi saya semua syarat dan ketentuan dan saya setuju dan dia mengejutkan saya dengan pinjaman yang mengubah hidup saya dan keluarga saya, dan pada awalnya saya berpikir ini tidak mungkin karena pengalaman masa lalu saya dan janji-janji palsu tetapi yang mengejutkan saya, saya menerima pinjaman saya sebesar Rp300.000.000,00 dan saya akan menyarankan siapa pun yang benar-benar membutuhkan pinjaman untuk menghubungi Nyonya Maria Alexander wanita kata-katanya, melalui email : ( mariaalexander818@gmail.com ) karena mereka adalah pemberi pinjaman yang paling pengertian dan baik hati. siapa saja yang ingin pinjaman atau cara mendapatkan pinjaman asli, harus menghubunginya Via
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8) Alamat email ..........
9) Pendapatan Bulanan: ........................
10) Pekerjaan : ..................................
11) Situs mana yang Anda kunjungi di sini tentang kami ........................
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