Thursday, 29 August 2013

CPP COMPENSATION – HOW TO CLAIM

UPDATE 3 FEBRUARY 2014
The Financial Conduct Authority formally launched the compensation scheme on 3 February 2014.

It admitted to me that 140,000 people bought these products from a firm that has not joined the compensation scheme. And the scheme does not include premiums paid before 14 January 2005. In both cases you can still make a claim to get them back through other channels. That process is explained below.

Although the FCA says it is 'compensation' in fact no compensation is being paid. You will just get back the premiums you were tricked into paying and taxable interest at 8%. So far no firm that colluded with CPP to to mis-sell these products has been fined. See my blogpost Misleading with impunity

CLAIM COMPENSATION
If you paid a firm called CPP to insure your credit or debit card against loss or fraud you are almost certainly due compensation. And if you paid the same firm for ID theft protection you should also get money back. These products may have been sold under different names. But they will all have come through CPP.

Seven million people could be due up to several hundred pounds each. If you are one of them it is well worth claiming.

Compensation will normally be due if you bought or renewed either product from 14 January 2005. To qualify you will have to say you were mis-sold the product. The form you are sent will tell you what to say. The sales process was so bad that everyone was mis-sold.

You should NOT use a claims management firm to help you. They will just take a share of your compensation but will do nothing useful.

A few people may not be entitled. Details of who may not get compensation are set out later.

TIMETABLE
The CPP Redress Scheme should have written to you last autumn to let you know you had one of the products. You may not get this letter if you have moved and it does not have your up to date address. You can call 08000 83 43 93 to let the CPP Redress Scheme know about your change of address. This number is free from landlines but from a mobile you could be charged a lot. You can also call that number if you are not sure if you had a policy. If you have moved you should insist that it checks your details.

The High Court approved the redress scheme on 14 January 2014 and it formally begAn on 31 January 2014 and the Financial Conduct Authority formally launched it on 3 February 2014

In February 2014 the Scheme will send you a form to claim compensation for being mis-sold. You will get two forms if you had both credit card protection and ID theft protection.

On this form there will be a box asking why you think you were mis-sold. The paragraphs above the box explain the reasons why it was mis-sold. All you have to do is copy one or more of those reasons into the box. The products were sold so badly that everyone should get compensation.

The sooner your return the form the sooner you will be paid. The first payments will be made from late March or early April 2014. You must return this form by 31 August 2014. If it arrives after that your claim will not be considered unless you have a very good reason for the delay.

If you claim compensation and you are still paying for the product your policy will be cancelled and any future payments will stop. The consensus is that these products offered little that was of use and were not worth the high premiums charged. Card protection insurance cost CPP 60p but it sold the product  for around £35 a year. ID Theft insurance was sold for £84 a year but cost CPP £16.

If you are refused compensation or disagree with the amount there will be a way to challenge it. 

COMPENSATION
All the premiums you paid from 14 January 2005 will be refunded. Interest at 8% a year will be added to those premiums from the date they were paid until the date of your settlement around the middle of March 2014. Tax at 20% will be deducted from the interest but not from the compensation. People who do not pay tax can reclaim the tax deducted from HMRC. People who pay a higher rate of tax will have to pay extra. Any money you have already had paid out on the insurance will be deducted from the compensation.

The CPP card protection product was sold under various names such as CardGuard, Card Safe, Card Protection, Cardholder Protection and Egg Emergency Cover.  The ID theft product was sold under the name CPP Identity Protection. Most people bought the products after calling a number on a new or replacement credit or debit card to ‘activate’ it or report its safe delivery. Those cards will have come from your bank or card provider but the product was supplied by CPP.

Apart from CPP itself the firms in the scheme are

·                 Bank of Scotland (part of Lloyds Banking Group)
·         Barclays Bank
·         Canada Square Operations Limited (formerly Egg Banking)
·         Capital One (Europe) Plc
·         Clydesdale Bank Plc (part of National Australia Group Europe)
·         Home Retail Group Insurance Services Limited
·         HSBC Bank Plc
·         MBNA Limited
·         Morgan Stanley Bank International Limited
·         Nationwide Building Society
·         Santander UK Plc
·         The Royal Bank of Scotland Plc
·         Tesco Personal Finance Plc

So if you were encouraged to buy the product by any of those firms you will be in the compensation scheme.

EXCEPTIONS
Some people who have one of these products may not get compensation through this scheme. But they can still claim compensation through the usual channels – put in a formal complaint to CPP or your bank or card provider and if it is refused go to the Financial Ombudsman Service.

The card protection product was changed in 2011. If you bought it for the first time after it was changed you will not be covered by the scheme. The date of change varies depending on your card provider but it is between 1 March 2011 and 18 September 2011.

The ID theft product was not changed and is covered for all dates. However, CPP Identity Protection is not covered if it was bought face to face or online. Only telephone sales are covered.

Other things that are not covered:-
  • Premiums paid before 14 January 2005 are not covered by the scheme. That's because insurance was not regulated by the Financial Services Authority until that date.
  • Similar card protection or ID theft insurance from other companies is not covered.
  • Some CPP products were sold by firms that are not one of the 13 firms in the scheme which are listed above. They may be included later but it is best to put in a separate claim now and if it is refused go to the Financial Ombudsman Service. 
  • If your CPP product was sold as part of a packaged bank account.
Even if your sale is not covered, you can still try to get compensation by putting in a formal complaint to the bank or card provider or the firm involved and if it is refused go to the Financial Ombudsman Service.

YOU DO NOT NEED TO USE A CLAIMS MANAGEMENT FORM FOR THIS PROCESS EITHER. 

ALREADY CLAIMED
If you have already claimed compensation and been paid then you cannot claim under the Scheme. If you claim was rejected then you still have a claim if you fulfil the scheme criteria. You should be sent the claim form. But if you have not received letters about the scheme late last year then contact the Scheme and make sure you are included.

If you claimed compensation on 22 August 2013 or later then your claim will not have been processed and you should have been told that by letter. You will be sent the claim form in February and should fill it in including the box about why you were mis-sold. It will be processed with all the others.   

MORE INFORMATION
The CPP redress scheme

My blogpost Misleading with Impunity explains how the banks and card providers have got away with their part in this mis-selling.

The FCA statement on CPP redress scheme on 22 August 2013

The original FSA notice about the fine on CPP issued 15 November 2012

The full findings of the FSA on the misselling 15 November 2012

CPP claims 2.11
3 February 2014

100 comments:

  1. Hi Paul. Just wondering what the case is before this date. I took mine out in December 2004 and have received a letter today. Cheers G

    ReplyDelete
    Replies
    1. The scheme will cover premiums from 14 January 2005. For earlier premiums claim as explained in the post above.

      Delete
    2. I am joes candra, I promise to share this testimony all over the world once my boyfriend return back to me, and today with all due respect i want to thank DR.OSAUYI for bringing joy and happiness to my relationship and my family. I want to inform you all that there is a spell caster that is real and genuine. I never believed in any of these things until i loosed my boyfriend, I required help until i found a grate spell caster, And he cast a love spell for me, and he assured me that I will get my boyfriend back in two days after the spell has been cast. Three days later, my phone rang, and so shockingly, it was my boyfriend who has not called me for past 6 years now, and made an apology for the heart break, and told me that he is ready to be my back bone till the rest of his life with me. DR.OSAUYI released him up to know how much i loved and wanted him. And opened his eyes to picture how much we have share together. As I`m writing this testimony right now I`m the most happiest girl on earth and me and my boyfriend is living a happy life and our love is now stronger than how it were even before our break up. So that`s why I promised to share my testimony all over the universe.All thanks goes to DR.OSAUYI for the excessive work that he has done for me. Below is the email address in any situation you are undergoing a heart break, and I assure you that as he has done mine for me, he will definitely help you too. OSAUYILOVESPELL@GMAIL.COM OR OSAUYILOVESPELL@YAHOO.COM that is his email address bye or you can call is hot line on +2348100515075

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      Delete
    4. Am so happy to share my experience and testimony here about my happy family which suddenly got broken. am Parker Karen from USA i had a nice family; i was married for 6 years to my husband and all of a sudden, another woman came into the picture the man that used to love me before started picking quarrels with me he was so abusive that when i try to tell him the truth about how i feel and what he is doing is not right for the family, he gets very angry and hits me with any thing he sees around him. but i still loved him with all my heart despite all he has done to me and i wanted him back at all cost. then he filled for a divorce my whole life was tearing apart and i didn't know what to do ...... he moved out of the house and abandoned me and the kids. so a very close friend of mine told me about trying a love spell means to get my husband back she also use dr.fara love spell to get back his divorce husband. And told me they are very much happy with there relationship. and she introduced me to the spell caster.at first i was surprised and scared so i decided to give it a try reluctantly.......although i didn't believe in all those things, then when he did the special prayers, i was so surprised, after two days my husband came back and was pleading for my forgiveness, he had realized his mistakes, i just couldn't believe it, anyway we are back together now and we are now one big happy family we use to be. his contact address Faraspelltemple@gmail.com his spells is for a better life again. tel:+2348071398555.

      Delete
  2. Dear Paul
    I had one of these policy which I purchased from information sent to me by Barclaycard. I have just telephoned the CPP and have been told that because I did not speak to an adviser I am not due any compensation and therefore outside the scheme. What is the difference between reading information on a letter which would have given the benefits of the ID protection and speaking to an adviser, surely the information in the letter would be the same as the information the CPP adviser would be trying to sell you.

    ReplyDelete
    Replies
    1. My name is Taylor Borg,All thanks goes to Dr.Trust for saving my marriage from toning apart.i feel so grateful and only have good words about a powerful spell caster named Dr.Trust who helped me bring back my wife. We had been apart for 4 months, at first I was thinking if I was doing the right thing by contacting a spell caster, but I so much love my wife and won't give her up for anything in this world. I decided to contact Dr.Trust through his mail address I found on several testifiers messages online,and I told him about my situation, he laughed and told me my wife will be back to me in the next 48 hours. I felt it wasn't going to happen at first until my wife called me and was so eager to have me back more than anything on earth.. Now we are together and she cant do without me,and both of us are happy. I feel so happy sharing this testimony because there was no negative act attached to his work. His work was smooth and fast. Thanks to Dr.Trust for bringing back happiness to my life. I swear with my life that Dr.Trust is a man to trust and take your problems to. You can contact him on his e-mail if you really truly want your love back. dr.(ULTIMATESPELLCAST@GMAIL.COM OR ULTIMATESPELLCAST@YAHOO.COM TEL: +2348156885231)

      Delete
  3. I entered into a CCP contract during the mid 90's. 7 or 8 years later I discovered they automatically debited my account annually even though I no longer required the service.
    Where do I stand on this matter???

    ReplyDelete
  4. Hi after several phone calls to cpp as have received no letter after being told would be in the post since Sept. Its now Nov. they have said Im not entitled because I didn't take it out over the phone but I know I did so hoe can you prove this? Also surely if I took it out online wouldn't there be emails etc. Face to face well I think I must have to travel a few hundred miles for that as live in Cornwall x

    ReplyDelete
  5. I will be away from the UK during the dates when letters will be sent in December and January. Can anyone advise what action i should take so that i can claim compensation?

    ReplyDelete
  6. I don't see that the proposed scheme is offering to pay any compensation. It is merely offering to refund your original payment cost plus interest. There should be an amount of compensation in addition to that to compensate you for being screwed in the first place. Be very careful that in accepting the proposed scheme you are not signing away your rights to a proper refund and compensation.

    ReplyDelete
  7. Paul, I thought you might like to hear that cpp is trying to automatically renew policies, despite having written to tell me that my policy had been mis-sold. When I phoned to tell them I would not be renewing, the so called customer service person said she refused to speak to me and hung up - they seem surprised that customers are annoyed at being defrauded!

    ReplyDelete
  8. Is it possible to claim back CCP for a deceased person.

    ReplyDelete
  9. During 1998, CPP debited the premium to one of my cards without authorisation. I was dissatistied with their response to my complaint and referred it to the Information Commissioner (ICO). The ICO agreed with me that there was a breach of the First data Protection Principle which states that information must be obtained and processed fairly and lawfully. The ICO considered this to be an important matter. CPP subsequently told the ICO that they would modify their processes during 1999. In future they would obtain customer authorisation before debiting premiums.

    The FSA did not consider the Data Protection Act, but they discovered the very same issue. So it would appear that CPP did not follow through with their undertaking to the ICO and have been in breach of the DPA ever since.

    CPP estimates the compensation for this issue alone to be in the region of £6.1m. But that only relates to customers who can claim under the scheme. Anyone affected between 1998 - 2005 is on their own - unless the Information Commissioner wishes to investigate why consumers have lost millions due to a known DPA breach......

    ReplyDelete
  10. I have just contacted CPP and been told because I didn't by the policy over the phone with them I am not able to claim compensation. I had the policy sold to me to cover a virgin credit card so possibly bought it from them and virgin are not on the list so am I able to claim and if so from who?????

    ReplyDelete
    Replies
    1. I am joes candra, I promise to share this testimony all over the world once my boyfriend return back to me, and today with all due respect i want to thank DR.OSAUYI for bringing joy and happiness to my relationship and my family. I want to inform you all that there is a spell caster that is real and genuine. I never believed in any of these things until i loosed my boyfriend, I required help until i found a grate spell caster, And he cast a love spell for me, and he assured me that I will get my boyfriend back in two days after the spell has been cast. Three days later, my phone rang, and so shockingly, it was my boyfriend who has not called me for past 6 years now, and made an apology for the heart break, and told me that he is ready to be my back bone till the rest of his life with me. DR.OSAUYI released him up to know how much i loved and wanted him. And opened his eyes to picture how much we have share together. As I`m writing this testimony right now I`m the most happiest girl on earth and me and my boyfriend is living a happy life and our love is now stronger than how it were even before our break up. So that`s why I promised to share my testimony all over the universe.All thanks goes to DR.OSAUYI for the excessive work that he has done for me. Below is the email address in any situation you are undergoing a heart break, and I assure you that as he has done mine for me, he will definitely help you too. OSAUYILOVESPELL@GMAIL.COM OR OSAUYILOVESPELL@YAHOO.COM that is his email address bye or you can call is hot line on +2348100515075

      Delete
  11. I had a CPP policy from 1993 to 2013, arranged initially via my HSBC bank. Having had no correspondence regarding any claim I phoned the CPP Redress line today, to be told that as my product had been arranged via Laser UK Creation Financial Services I would not be entitled to claim as they weren't participating members.
    I've never heard of these people, and have tried to phone a Birmingham number I found on the internet, but just went on to voicemail.
    Can you advise on what course of action I can take?

    ReplyDelete
  12. Dear Paul,
    My wife died in June 2012 and I am still going through loads of her old paperwork and I have found a renewal letter from CPP dated 26 October 2008. I did not even know she had taken a CPP policy out. I am executor and sole beneficiary of her will. Knowing her this could only have been taken out over the telephone as she never went into the Bank (Nationwide) and never used the computer. Do I have a claim on her behalf, please?

    ReplyDelete
  13. Hi Paul

    I originally bought my CPP policy from Trust House Forte, when they converted their charge card to a Nat West credit card. As THF essentially no longer exist (and CPP have replied to my complaint by saying I am not entitled to compensation through their scheme of arrangement) is there any way I can still make a claim against anyone?

    ReplyDelete
  14. this is very interesting. I received 5 letters all on the same day from CPP. upon checking they all had different account numbers. I guess this means I was sold the product 5 times?

    ReplyDelete
  15. Hi Paul - I signed up to CPP through Alliance and Leicester back in 1995 - not sure if it was through the bank or credit card. Will it make a difference if I don't know which it was through? Are they part of the scheme as they are not on the list? Thanks

    ReplyDelete
    Replies
    1. A & L are now Santander so no probs.

      Delete
  16. I had CPP card protection and have the form to fill in. I do not know what wording I should use in the Section B box: Why you want to be considered for compensation. Can you advise please? Many thanks.

    ReplyDelete
  17. Hi Paul, just like Notwithitanymore, I have received my letter from CPP and am unsure of what to put in Section B. Surely if CPP have sent me a letter they have my details on file so there shouldn't be any need for me to justify why I should be considered for compensation. I don't want to put the wrong thing and it to affect my claim so please advise on what to put.
    thanks.

    ReplyDelete
  18. If you were mis-sold insurance against your credit or debit card through the company CPP you may finally be in line for a windfall, after customers voted overwhelmingly in favour of approving a compensation scheme. You have to be careful ever since not to get trapped into such schemes again. Anyway there are a lot of services which might be helpful in solving any kind of financial problems. payday loans Canada can tackle any financial difficulty.

    ReplyDelete
  19. I recieved my letter today and in the process of completing it. Section B asks why I want to be considered for compensation. Apart from the obvious mis selling of the product, is there anything else that should be written?

    ReplyDelete
    Replies
    1. I'd like to know this too, Mr Lewis, so please help/advise us.

      Thanks

      Delete
  20. Hi Paul - I signed up to CPP through the Yorkshire Bank back in 1991 for a credit card. Yorkshire Bank are now part of the National Australia Group Europe. Are they part of the scheme as they are not on the list? Thanks

    ReplyDelete
  21. Hi Just received the form from CPP and was wondering what to say when it ask why do you think i should get compensation my words would be as it was mis sold to me at the time and wish to claim payments back as not want write a whole book re the reason

    ReplyDelete
  22. Having taken out a cpp policy in 2007 I have absolutely no recollection of how we did it: phone, letter, carrier pigeon. Will this affect our claim?

    ReplyDelete
  23. You people have actually provided the best blogs that are easy to understand for the folks. ovation

    ReplyDelete
  24. What wording to use? As Paul already explained, all you have to do is copy the wording provided on the claim form. Duh!

    ReplyDelete
  25. I actually enjoyed reading through this posting.Many thanks.



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    ReplyDelete
  26. Have tried to get a claim for from CCP for a mis-selling by Fonesafe whilst renewing phone insurance with T Mobile. Nobody seems to be able to or want to send a form. All CCP have agreed to do is register a mis-selling complaint. Is this the correct procedure?

    ReplyDelete
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  28. CPP is only writing to people. If you get an email or call asking for private details about this, ignore it. And remember, never pay to reclaim.

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    ReplyDelete
  29. Got a letter from CPP in settlement today addressed to "Policyholder" which meant I only got it after someone else had opened it. The cheque is made payable to "Policyholder only" which makes it pretty useless. CPP now want me to send the cheque back at my expense, and want proof I am the policyholder so they can reissue it to me! They have asked for bank statements. What are my rights as technically they have not sent me an offer of settlement but have sent the offer to someone called Policyholder, and why should they have access to my bank statements?

    ReplyDelete
    Replies
    1. If you call SPS and pass security you should be able to correct that over the phone, did you have any problems with the security questions they asked?

      Delete
  30. My husband and I claimed on individual forms for a joint policy. Today we have each received a cheque which differ by £150. Whilst I'm not complaining, would this discrepancy be explained by the number of cards each of us had covered? I changed my name when we married in 2010, but I can't believe this short amount of time would make so much difference. Any ideas or similar experiences?

    ReplyDelete
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  32. This is a brilliant website as always took your advice and got my compensation thank you so much

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  35. Paul, we have the form to fill in but cannot remember when we started or finished the account with CPP,can we still claim? Also, we have lost the pre-paid envelope and don't know where to send the claim to!
    Regards
    Veronica

    ReplyDelete
    Replies
    1. You don't need to be specific about when you had the policy and the address is under section D.

      Delete
    2. Scheme processing services ltd,
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  38. I received 3 claim forms for 3 different numbered policies for CCP. I sent back one to test the waters and received a cheque for £268 informing me that this would cover any other policies held and was full and final payment. Is this correct or shall I challenge it?

    ReplyDelete
  39. Dear Paul,
    I have held and used a Barclaycard for some time. During that period I paid a monthly Direct Debit to Privacyguard, which I understand is CPP. I submitted a claim for compensation to CPP who state that the insurance was part of a packaged bank account and would not consider my claim. Where do I go from here?

    ReplyDelete
  40. If you’re one of the nearly seven million people who’ve just received a CPP claim form, don’t dismiss it as junk mail. Up to £1.3 billion of this insurance has been mis sold, and if you’ve got a letter it’s likely you’ve been a victim.
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    ReplyDelete
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  43. Having taken out a cpp policy in 2007 I have absolutely no recollection of how we did it: phone, letter, carrier pigeon. Will this affect our claim?

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  45. I moved to Austrailia in 2010 but have received a claim form to my parents home where I lived when the policy was taken out. Will this effect my claim if I am no longer in the UK? I can still retuen the form as it asks for place and date of birth if overseas. Any advice would be appreciated.

    ReplyDelete
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  52. I am very happy, I wish to share my testimonies with the general public about what this man called Dr Adodo has just done for me , this man has just brought back my lost Ex husband to me with his great spell, i was married to this man called Steven we were together for a long time and we loved our self's but when i was unable to give he a child for 2 years he left me and told me he can't continue anymore then i was now looking for ways to get him back until a friend of mine told me about this man and gave his contact email (dradodojattotemple@yahoo.com) then you won't believe this when i contacted this man on my problems he prepared this spell cast and bring my lost husband back, and after a month i miss my month and go for a test and the result stated am pregnant am happy today am a mother of a baby girl, thank you once again the great Dr Adodo for what you have done for me, if you are out there passing through this same kind of problems you can contact he today on his mail ( dradodojattotemple@yahoo.com) and he will also help you as well

    ReplyDelete
  53. I am Natasha , I want to use this possible means to appreciate one man i hold in sincere gratitude and high esteem for his help and his kindness he has rendered to me. I want to say A BIG THANK YOU to high priest ozigididon, indeed you are the WORLD GREATEST. without compromising words, high priest ozigididon helped me in getting back my long lost relationship and also bring back my life to lime light when i thought all was gone. I am a new creature now with the help of his powerful spell. friends out here please i plead with you search no further for spammers who act as real spell casters, the REALEST AND MOST TRUE SPELL CASTER is HIGH PRIEST OZIGIDIDON THE WORLD GREATEST. he is so true to his words and his words are substantial. contact him now on highpriestozigididon@gmail.com he is more than willing to assist anyone who needs his help. highpriestozigididon@gmail.com I AM GRATEFUL HIGH PRIEST OZIGIDIDON

    ReplyDelete
  54. I am very happy, I wish to share my testimonies with the general public about what this man called Dr Adodo has just done for me , this man has just brought back my lost Ex husband to me with his great spell, i was married to this man called Steven we were together for a long time and we loved our self's but when i was unable to give he a child for 2 years he left me and told me he can't continue anymore then i was now looking for ways to get him back until a friend of mine told me about this man and gave his contact email (dradodojattotemple@yahoo.com) then you won't believe this when i contacted this man on my problems he prepared this spell cast and bring my lost husband back, and after a month i miss my month and go for a test and the result stated am pregnant am happy today am a mother of a baby girl, thank you once again the great Dr Adodo for what you have done for me, if you are out there passing through this same kind of problems you can contact he today on his mail ( dradodojattotemple@yahoo.com) and he will also help you as well..

    ReplyDelete
  55. I am out here to spread this good news to the entire world on how I got my ex husband back.I was going crazy when my husband left me and my two kids for another woman last month, But when i met a friend that introduced me to drehiaghe the great messenger to the oracle of dr ehiaghe healing home,I narrated my problem to dr ehiaghe about how my ex Husband left me and my two kids and also how i needed to get a job in a very big company.He only said to me that i have come to the right place were i will be getting my heart desire without any side effect.He told me what i need to do,After it was been done,24 hours later,My Ex Husband called me on the phone and was saying sorry for living me and the kids before now and one week after my Husband called me to be pleading for forgiveness,I was called for interview in a very big company here in USA were i needed to work as the managing director..I am so happy and overwhelmed that i have to tell this to the entire world to contact dr ehiaghe on his personal email address and get all your problem solve..No problem is too big for him to solve..Contact him direct on: ehiaghespellhome@gmail.com and your problem will be solve.

    ReplyDelete
  56. My name is Joyce and my ex-boyfriend dumped me 8 months ago after I caught him of having an affair with someone else and insulting him. I want him back in my life but he refuse to have any contact with me. I was so confuse and don't know what to do, so I visited the INTERNET for help and I saw a testimony of how a spell caster help them to get their ex back so I contact the spell caster and explain my problems to him..... he cast a spell for me and assure me of 3 days that my ex will return to me and to my greatest surprise the third day my man came knocking on my door and beg for forgiveness. I am so happy that my love is back again and not only that, we are about to get married. Once again thank you Temple of permanent healing, you are truly talented and gifted. dr.jartospellcaster@gmail.com is the only answer to any relationship problem.he can be of great help and I will not stop publishing him because he is a wonderful man dr.jartospellcaster@gmail.com

    ReplyDelete
  57. I just want the whole world to know about this spell caster I met two weeks ago,I cannot say everything he has done for me cause is too much to put in writing all I can say is thank you very much am very happy . In case you need his help contact him on this email address wisdomspiritualtemple@gmail.com he is a good man thanks.

    ReplyDelete
  58. I never knew people still have powers and make things happened this way. my boyfriend LENON STAIN left me for another girl for three months’ ever since then my life have been filled with pains sorrow and heart break because he was my first love who disvirgin me when i was 21 years old. about two years ago, A friend of mine LANA told me he saw some testimonies of this great Dr Alusi that he can bring back lover within some few days, i laugh it out and said i am not interested but because of the love my friend had for me, she consulted the great priest on my behalf and to my greatest surprise after three days my boyfriend called me for the very first time after three months that he is missing me and that he is so sorry for every thing he made me went through and as i speak right now we are happily married. i still can’t believe it, because it highly unbelievable it just too real to be real. Thank you Dr Alusi for bringing back my lover and also to my lovely friend who interceded on my behalf, for any one who might need the help of this great priest here is the email address alusispellcaster@gmail.com or you can call the great man on +2348100078330. good luck.

    ReplyDelete
  59. I am joes candra, I promise to share this testimony all over the world once my boyfriend return back to me, and today with all due respect i want to thank DR.OSAUYI for bringing joy and happiness to my relationship and my family. I want to inform you all that there is a spell caster that is real and genuine. I never believed in any of these things until i loosed my boyfriend, I required help until i found a grate spell caster, And he cast a love spell for me, and he assured me that I will get my boyfriend back in two days after the spell has been cast. Three days later, my phone rang, and so shockingly, it was my boyfriend who has not called me for past 6 years now, and made an apology for the heart break, and told me that he is ready to be my back bone till the rest of his life with me. DR.OSAUYI released him up to know how much i loved and wanted him. And opened his eyes to picture how much we have share together. As I`m writing this testimony right now I`m the most happiest girl on earth and me and my boyfriend is living a happy life and our love is now stronger than how it were even before our break up. So that`s why I promised to share my testimony all over the universe.All thanks goes to DR.OSAUYI for the excessive work that he has done for me. Below is the email address in any situation you are undergoing a heart break, and I assure you that as he has done mine for me, he will definitely help you too. OSAUYILOVESPELL@GMAIL.COM OR OSAUYILOVESPELL@YAHOO.COM that is his email address bye or you can call is hot line on +2348100515075

    ReplyDelete
  60. After being in relationship with emma for seven years,he broke up with me, I did everything possible to bring him back but all was in vain, I wanted him back so much because of the love I have for him, I begged him with everything, I made promises but he refused. I explained my problem to someone online and she suggested that I should rather contact a spell caster that could help me cast a spell to bring him back but I am the type that never believed in spell, I had no choice than to try it, I mailed the spell caster, and he told me there was no problem that everything will be okay before three days, that my ex will return to me before three days, he cast the spell and surprisingly in the second day, it was around 4pm. My ex called me, I was so surprised, I answered the call and all he said was that he was so sorry for everything that happened, that he wanted me to return to him, that he loves me so much. I was so happy and went to him, that was how we started living together happily again. Since then, I have made promise that anybody I know that have a relationship problem, I would be of help to such person by referring him or her to the only real and powerful spell caster who helped me with my own problem and who is different from all the fake ones out there. Anybody could need the help of the spell caster, his email: drinegbedionspellhome@gmail.com you can email him if you need his assistance in your relationship or anything. CAN NEVER STOP TALKING ABOUT YOU SIR HIS EMAIL
    ADDRESS IS:drinegbedionspellhome@gmail.com CONTACT HIM NOW FOR SOLUTION TO ALL YOUR PROBLEM

    ReplyDelete
  61. Thanks to this great man of spirit called Dr Samura which I don't know how to thank him for the good work he has Don for me and family which I want to share my testimony with to you all so I was married to Hassan Moel and my name is Julie deshields for six years now he left me with two kids with know reason which I don't know what to do.so one day i was in my friends place when I exposed my pain to her about my depression which I have be looking for who to help me out of it then my friend called me closer to her self telling me on how she got this great man of spirit who helped her found her way to get her husband back then I ask of his contact she quickly go and get her computer and gave me his Email ID and his number so,that is how I contacted him for a help. And now am so happy with my family and with a happy home if you are in such pain kindly Via Email SAMURATELLERSPELL100@YAHOO.COM or call +2348103508204 also you can still visit him on his website http://samuratellerspell.webs.com/. if you are in such pain, have faith in him and he will help you and solve all the problems around you.
    Julie Deshields.

    ReplyDelete
  62. My name is Taylor Borg,All thanks goes to Dr.Trust for saving my marriage from toning apart.i feel so grateful and only have good words about a powerful spell caster named Dr.Trust who helped me bring back my wife. We had been apart for 4 months, at first I was thinking if I was doing the right thing by contacting a spell caster, but I so much love my wife and won't give her up for anything in this world. I decided to contact Dr.Trust through his mail address I found on several testifiers messages online,and I told him about my situation, he laughed and told me my wife will be back to me in the next 48 hours. I felt it wasn't going to happen at first until my wife called me and was so eager to have me back more than anything on earth.. Now we are together and she cant do without me,and both of us are happy. I feel so happy sharing this testimony because there was no negative act attached to his work. His work was smooth and fast. Thanks to Dr.Trust for bringing back happiness to my life. I swear with my life that Dr.Trust is a man to trust and take your problems to. You can contact him on his e-mail if you really truly want your love back. dr.(ULTIMATESPELLCAST@GMAIL.COM OR ULTIMATESPELLCAST@YAHOO.COM TEL: +2348156885231)

    ReplyDelete
  63. Hello
    I am Steven Roberto Dimple From Usa, i am writing this article to thank Dr. Ovia the powerful spell caster that just helped me recently to bring back my Wife that left me for another man for no reason. After seeing a post on the internet by Mitchelle Andres saying how she was helped Dr. Ovia, i also decided to contact him for help and i am also happy that he helped me also and today i can proudly say that my Wife is now with me again and she is now in love with Me like never before. Viewers reading this who wants help and wants to contact Dr. Ovia should contact him via his email address: droviasolutioncenter@yahoo.com or you call him +2347067610698

    ReplyDelete
  64. My name is Bella Adams, living and working in Oxfordshire, UK. My life is
    back! After 2 years of broken marriage, my husband left me with two
    children, I felt like ending it all, i almost committed suicide because he
    left us with nothing, I was emotionally during this time. Thanks to a
    sorcerer spell called Dr.Tamazaki I met online. On one faithful day, as I
    was surfing the internet, I found several of the testimonials about this
    particular pitcher spells. Some people said that he brought his former
    lover, some stated that restores the uterus, cure cancer and other
    diseases, some testified that he can cast a spell to stop divorce and also
    write to get a good paying job so forth. He is amazing, I also encounter a
    particular witness was a woman named Vera, she testified about how he
    brought back his former lover in less than 2 days and at the end of his
    testimony he dropped his email.After reading all this, I decided to give it
    a try. I contacted by email and explained my problem to him. In just 48
    hours, my husband turned to me. We solved our problems, and we are even
    happier that ever.Dr.Tamazaki you are a talented man and he will not stop
    running because he is a wonderful man. If you have a problem and looking
    for a real, genuine sorcerer, I Try any time, he is the answer to your
    problems. You can contact him at (dr.tamazaki@outlook.com,tamazaki9@gmail.com
    ) or you call +2348185277879. he's the best pitcher who can help you with
    your problems

    ReplyDelete
  65. As a growing child i have always been given anything that i want and this was made possible through the help of my parent, So i never see life to be a big task, All this changed when my lover left me and my parent tried all there possible means to make my relationship work but all was in vain. As a child who has always gotten everything that she wants i started feeling bad about my parent because this time they could not help me get my lover.. After some days of crying i decided to keep myself busy by going through the internet for some assistance, This was the period that i saw some positive comments about this marvelous spell caster called Dr.Zabaza whom i contacted through these details via email: zabaza.logan@yahoo.com Or via mobile call: +2348182620374 and he assured me that everything was going to be fine within the period of 48 hours. I am so happy to tell you guys that within 12 hours that Dr.Zabaza told me that he has cast the spell my lover called me and was begging me to forgive him. This is the best and fast result i have ever seen in my life, And i will want the world to benefit from this powerful spell caster called Dr.Zabaza that is why i will advise anyone in need of better ways to get there love ones back to contact Dr.Zabaza through these details below via email: zabaza.logan@yahoo.com Or Call +2348182620374

    ReplyDelete
  66. My name is JOY i am from USA Three weeks ago my boyfriend broke up with me. it all started when i Travel to UK to spend my holiday with my friend,i was trying to contact him but it was not going through. So when i came back from UK i saw him with a lady kissing, i was frustrated and it gives me sleepless night. I called my friend told her what happened and she introduce me to a spell cater who helped her long time ago. Which i contact him and i never believed that the spell will work so easily because i have contacted many spell casters to get him back all they do is to take my money with no result. I am happy to tell you all that my boyfriend is back and committed to me alone and he do whatever i ask him to do with love and care. All thanks to sambo the great magician who helped me to restore my boy friend to me ; DONKBABA@GMAIL.COM Email this powerful and authentic spell caster via email now DONKBABA@GMAIL.COM

    ReplyDelete
  67. Hello viewers all over the world Am Lars Martha , I want to testify of what Dr Ogidigan did
    for me. i was having a very notorious and serious sickness called HIV i contacted the
    infection from my ex husband and was very in lost of hope i never believed i was going to
    be cured until i meant these great man called Dr Ogidigan who God send to help me cure my
    sickness . just a few moment with these great man he cured my infection i want you to know
    that all hope is not lost until every thing is done if you also have these following
    infections contact this email Traditionalherbalistcenter@gmail.com
    HIV/aids
    typhoid fever
    gonorrhea
    cancer
    fever.
    epilepsy.
    lung cancer.
    and also this man can also help you in giving you a very good help just give him a try and
    your problems will be solved just a contact with him.once again here is his email
    Traditionalherbalistcenter@gmail.com All thanks to Dr iya biye

    ReplyDelete
  68. Hello to you all here, i am Kisten Wilson. and i here to share to you all my testimony about this man called Dr ABULU , last year i got married to my husband Wilson Jefferson and we both have a body so we were both living happily together ever since we got married until early this year when my husband traveled to Australia for business trip and he told me and kid that he will be coming in two months time and he left , it was just 2 weeks when my husband stoped calling me and the kid so i was suprise and i started to wonder what is wrong until i heard that he is with a lady there and he was even planing to marry her and push me and my child out so i reported to his family but they could not stop him this time he has send me message to live the house before he return so i was so confused and do not know what to do so a friend of my mummy directed me to this man DR ABULU of abuluspiritualtemple@gmail.com, for help and solution and i quickly rush to contact him through his mail and he told me what to do and i did it and after two days mu husband called me and started begging me to forgive and forget all that he must have done to be that he was not his self so that is how i manage to save my relationship so with this great work done for me by DR ABULU i promised to share this to the world in-case any one is there with similar problems should contact him as well for solution and i know you must be saved okay
    email;abuluspiritualtemple@gmail.com
    website;abuluspiritualtemple.webs.com
    KIRSTEN WILSON

    ReplyDelete
  69. Having Dr.Zabaza as a back up plan has never failed me because he has always been useful to me when ever i give him a call.. I contacted Dr.Zabaza two years ago and that was the first time i contacted Dr.Zabaza and then it was about the issue of my job because my boss never seems to like me no matter how i tried my best to pleased him but he always hate me the more, But after contacting Dr.Zabaza through these contact information via mobile +2348182620374 or email ZABAZA.LOGAN@YAHOO.COM and he casted a spell for me and since then my boss has always sees me as his best worker and within 2 weeks i was promoted due to my hard work. And the second time that i contacted Dr.Zabaza was just a week ago when my lover told me that he wants to walk out of my life by putting an end to our relationship. I cried for some days and at a time i just taught of one person that can fix my relationship back for me then i remember Dr.Zabaza and within 48 hours Dr.Zabaza was able to restore my relationship.

    ReplyDelete
  70. ATTENTION TO THE WHOLE WORLD:


    Hello and blessed are you who found me. My name is DR SHAKES SPEAR, and am here to help you change and transform your life in the most positive way possible. I use the power of white, black craft and Wicca and voodoo spell casting to help people just like you they get the love they want and the money they deserve.


    My love spell offer amazing and quick results. Do you want to find your soulmate? Do you want to reunite with a past lover and make him or her love you again? Do you need to bind a troublemaker from causing problems in your relationship? With my spell casting service, I can cast a love spell on your behalf that will help all of your wishes and dreams come true. I also do other custom spells, such as money spells, job spells, friendship spells, and good luck spells.


    You may have already tried the power of spells and prayers to get what you want. Although it is true that everyone has the ability to cast spells and perform magic, spell casting is like a muscle. Everyone has this 'muscle' but the more you use it, the stronger it gets, and the more things you are able to do with it. If you are not an experienced spell caster, your spell may not be as strong, and the results not as quick as you may desire.GET YOUR PROBLEMS SOLVE HERE AND BE FREE!!

    Hello to people that want to be Great,

    Note: This Spell casting do not have any effect on any one, But just to get your problem solve ok.
    Get your problem solve in master...You can get the bellow problems solve here.

    1. Bring back lost lover, even if lost for a long
    time
    2. Remove bad spells from homes, business
    & customer attraction etc.
    3. Get promotion you have desired for a long time at work or in your career.
    4. Remove the black pot that keeps on taking your money away
    5. Find out why you are not progressing in life and the solution
    6. Eliminate in family fights
    7. Ensure excellent school grades even for children with mental disabilities
    8. Stop your marriage or relationship from
    breaking apart
    9. I destroy and can send back the Nikolos if requested
    10. We heal barrenness in women and disturbing menstruation
    11. Get you marriage to the lover of your choice
    12. Guarantee you win the troubling court cases & divorce no matter how what stage
    13. Ensure success in work and business
    14. Mental illness & bewitched
    15. Can’t sleep at night or walking at night
    16. Recover stolen property and
    whereabouts of people that hurt you.
    17. Bring supernatural luck into your home
    18. Extreme protection for those doing dangerous jobs like security guards, Bank manager, cash transporters, etc

    I have over 20 years of spell casting experience, and i have successfully cast spells to help hundreds of people improve their love life, financial situation, and happiness.

    I can help you, and I want to help you. Read through my words and CONTACT ME VIA:shakesspear23@yahoo.com OR shakesspear23@gmail.com AS MY POWERS ARE SO STRONG AND VERY EFFECTIVE AND HAS NO BAD EFFECT INSTEAD IT HAVE A VERY GOOD RESULT AFTER CASTING THE SPELL.

    ReplyDelete
  71. How do you see spell casting? As a fake thing, as a story or maybe as an ideal part of an imagination?Before you finally conculde on how you see or what you thing i will advice that you conduct a research and i mean a good research on spell casting and its history then maybe then you will finally come to know the true power of spell casting that we all underrate.I once had and shared this logical believe before fate fate and my marriage problem made me realize that spell casting is as real as a baby coming out of vagina.In the sense that as impossible as it may seem to you there is a 90% certainty that it works and works well.But you should know there are some fake among the real and honest ones.I was so fortunate to meet a real and honest one just as i thought to give spell casting a shot.H is all over every blogging page and broken relationship sites SHAKES SPEAR. SHAKES SPEAR IS ONE OF THE GREATEST THERE IS.I am not just trying to make you fell like you must contact him , is only trying to express how excellent is work is.Trust me i experienced it first hand.Having a sex addicted as a husband is worse than having a cheating husband.Knowing that he loves you with all hes got but can help but can to cheat on you.I know some will rather suggest a rehab , but just to clear the air he checked into rehab four times and was discharged with a report saying he was well but really outside rehab he was back to being an addict of sex.I hated to see that my husband never stopped loving me but couldn't help but but to cheat on me.W had four kids two teens and two other young one age five and seven.It will be ugly to know that there father i a sex addict that can't help but to cheat on me and still dear to say he love me.Only understood but it as all the same tearing my home down just thing about my husband making love to random women that is not me.We could even had gotten infected with some deadly S.T.D or S.T.I i was ready to live him and take my children along with me.But living the man i love just cos he had a problem was coming to hunt me for he rest of my life so by miracle or by fate rather i read about SHAKES SPEAR on the internet.I read about like ten article about how he saved so many people marriages and relationships though my case was different i just felt like he can help me.I just had to let all my thought about spell casting go and i brought myself to contact him.It cos of SHAKES SPEAR my husband is back to how i and even himself want him to be i mean making love to no other woman but me.I just need some material that he asked me to bring to cast the spell.Believe me it will be better for you to ask him to get the materials for you off course with the money you will be sending cos looking for it yourself will be a total waste of time resources and even energy.you should know you must trust him.What ever he ask you to bring just provide it cos his reason are are true. At a time i felt like he was trying to me extort me but i turned out that i was wrong he made understand he was only trying to help complete the worked i asked him to help me do.All thank to the spell prepared by SHAKES SPEAR it save my marriage and family.I will live his email address here for you to contact him for help of any sort.shakesspear23@yahoo.com OR shakesspear23@gmail.com..... ONCE AGAIN HIS EMAIL ADDRESS IS: shakesspear23@yahoo.com OR shakesspear23@gmail.com

    ReplyDelete
  72. Reading SLY SLIMMERS article about a spell caster namely Shakes Spear was, i will say the best that ever happen to me this year based on the fact that i had a lot problem that i was trying to over come.I had problems at home which affected my work greatly. I was now always in a cross fire with my boss.I really don't want to tell story here so i guess i would just go strange to the point on what i have to say.My wife wanted out of our marriage for no just reason.We were married for four year and i think we were happy though we had no kids, it was her idea not to have any cos she wasn't ready to be a mom yet and i was okay with it i mean i didn't like the idea but i went along with it just to please her.It was always like that i mean she always get what she wants.All i wanted was to see her happy i could never do anything that will make her so unhappy.This was all i did wrong that is make her have it her way all the time. I mean that was the reason she gave during our therapy session.She wanted out of the marriage cos i was to nice. From what she said, i was the kind of man ever woman will die for but she wanted a real man to enforce his will no her meaning was i was to week a man for her.And that was the least of therapy session we had cos like she said we where wasting our life together and no amount of therapy was going to get us back together.I was a total mess thinking of how i was being dumped based on how much i loved my wife and how good i treated her,I really didn't know if she was ungrateful or just confused about what she wanted that is mid-life crisis but the bottom line is that she left me and who knows maybe for another man.I was still in love with her, she was the love of my life and i still wanted her to come back that was when i saw Eva-Yolanda article on Shakes Spear.When i contacted him he made me known that i will have to go through all the spell casting process.Like he said most people are too scared cos of trust issues.I had trust issues, but getting my wife back was my ulterior motive and from my experience with Shakes Spear i can tell you he is 100% truthful and honest with his customer.I was asked to get some material to prepare the spell and after which he sent me a package contain the spell and the rest just happen the way it was suppose to happen i got my wife back and she was my wife back again i mean she was not that woman who wanted a hard man she was woman i fell in love with who loved me cos i am me.If you want help or fell he can help contact him with his email address shakesspear23@yahoo.com OR shakesspear23@gmail.com..... ONCE AGAIN HIS EMAIL ADDRESS IS: shakesspear23@yahoo.com OR shakesspear23@gmail.com

    ReplyDelete
  73. My name is Elizabeth Taylor from UK. I never believed in love spells or magic until i met this spell caster once when i went to Africa on a business summit. I meant a man who’s name is Dr iayaryi (driayaryi2012@hotmail.com) he is really powerful and could help cast spells to bring back one’s gone, lost, misbehaving lover and magic money spell or spell for a good job or luck spell .I’m now happy & a living testimony cos the man i had wanted to marry left me 3 weeks before our wedding and my life was upside down cos our relationship has been on for 4years. I really loved him, but his family was against us and he had no good paying job. So when i met this spell caster, i told Dr iayaryi what happened and explained the situation of things to him. At first i was undecided, skeptical and doubtful, but i just gave it a try. And in 8 days when i returned to UK, my boyfriend (now husband) called me by himself and came to me apologizing that everything had been settled with his mom and family and he got a new job interview so we should get married. I didn’t believe it cos the spell caster only asked for my name and my boyfriends name and all i wanted him to do. Well we are happily married now and we are expecting our little kid, and my husband also got the new job and our lives became much better. His email is (driayaryi2012@hotmail.com)

    ReplyDelete
  74. My name is Elizabeth Taylor from UK. I never believed in love spells or magic until i met this spell caster once when i went to Africa on a business summit. I meant a man who’s name is Dr iayaryi (driayaryi2012@hotmail.com) he is really powerful and could help cast spells to bring back one’s gone, lost, misbehaving lover and magic money spell or spell for a good job or luck spell .I’m now happy & a living testimony cos the man i had wanted to marry left me 3 weeks before our wedding and my life was upside down cos our relationship has been on for 4years. I really loved him, but his family was against us and he had no good paying job. So when i met this spell caster, i told Dr iayaryi what happened and explained the situation of things to him. At first i was undecided, skeptical and doubtful, but i just gave it a try. And in 8 days when i returned to UK, my boyfriend (now husband) called me by himself and came to me apologizing that everything had been settled with his mom and family and he got a new job interview so we should get married. I didn’t believe it cos the spell caster only asked for my name and my boyfriends name and all i wanted him to do. Well we are happily married now and we are expecting our little kid, and my husband also got the new job and our lives became much better. His email is (driayaryi2012@hotmail.com)

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  75. MY Name is Heather Brown,am from United States i want to share my life experience to every body on this site.i was in a serious relationship with john, i love him so much we have dated for almost 5 years now.until he meant another girl called Sandra he told me that he is know longer interested in dating me any more. i was so confuse i don't know what to do.so i told my friend about what my love just told me and she told me that she can solve my problem i was doubting her how can that be possible.so she directed me to a spell caster called Prophet Lord.so i contacted him v and i explain every thing to him and he told me that my problem will be solved within two days if i believe i said OK.So he cast a spell for me and after two days my love came back to me begging me on his knees on the ground asking me to forgive him.Am so happy now. so that why i decided to share my experience with every body that have such problem contact him email; solutionoflovespelltemple@gmail.com is a great man in case you are facing any kind of problem please contact him he will solve your problem for you once again thanks solutionoflovespelltemple@gmail.com

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  76. Hello world
    Am Joy Philip, from USA, all thanks to DR.OMON omonualovespelltemple@hotmail.com for the reuniting spell he cast for me, my testimony goes like this, i was into a hard breakup with my ex who i was supposed to get married to, some little mistakes happened and he quit the relationship and told me that he is tired of me, the was the same person that always to me that he loves me he can do anything for me to make sure that i am happy always. so i was so surprise that he was telling me that he is tired of me, so i was crying when i heard this and unfortunately it was unable to bear the situation until i share my problem with my friend who directed me to this great spell caster DR.OMON she said this man also help her to heal her relationship when she was having problems on it, so i choose to also give this man a trial to see if he can also help me, for i was so surprise the man who have not be answering my calls for so many weeks pick up his one and call me and start to apologize that he is sorry for everything that happen and ask me to forgive him for the pains he has cause me. so my people as i am talking now my marriage date is already fixed so am so happy to tell you that all this happened with the powers of DR.OMON so i will happy direct you to this same great spell caster on his email: omonualovespelltemple@hotmail.com once you contact him automatically smile will come to your face. once more contact this great spell caster for any help via his email address: omonualovespelltemple@hotmail.com TRULY YOU ARE THE RIGHT EMAIL ADDRESS TO CONTACT.

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  77. Hello every body
    Am Henry, from USA, Dr,iayaryi is the only Traditional root and herbs man that can cure your HIV who could ever get my HIV-AIDS cured with his healing spell, i have tried almost everything but i couldn't find any solution on my disease, despite all these happening to me, i always spend a lot to buy a HIV drugs from hospital and taking some several medications but no relieve, until one day i was just browsing on the internet when i come across a great post of !Michelle! who truly said that she was been diagnose with HIV and was healed that very week through the help of these great powerful healing spell doctor, sometime i really wonder why people called him Dr,iayary, i never knew it was all because of the great and perfect work that he has been doing that is causing all this. so i quickly contacted him, and he ask me some few questions and he said a thing i will never forget that anyone who contacted him is ! always getting his or her healing in just 6 hours after doing all he ask you, so i was amazed all the time i heard that from him, so i did all things only to see that at the very day which he said i will be healed, all the strength that has left me before rush back and i becomes very strong and healthy, this disease almost kills my life all because of me, so i will to hospital to give the final test to the disease and the doctor said i am HIV negative, i am very amazed and happy about the healing Dr,iayaryi gave to me from the ancient part of Africa, you can email him now for your own healing too at: driayaryi2012@hotmail.com thank you sir for healing me from HIV,

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  78. Hello Friends
    Am Yemi Johnson, From UK, Truthfully, i was tested HIV + positive last 1years. I keep on managing the drugs i usually purchase from the health care agency to keep me healthy and strenghtful, i tried all i can too make this disease leave me alone, but unfortunately, it keep on eating up my life, this is what i caused myself, for allowing my fiance have sex with me insecurely without protection. Although i never knew he is HIV positive. So last few 4days i came in contact with a lively article on the internet on how this Powerful Herb Healer get her well and healed. So as a patient i knew this will took my life one day, and i need to live with other friends and relatives too. So i copied out the Prophet Lord the traditional healer’s email, solutionoflovespelltemple@gmail.com and I mailed him immediately, in a little while he mail me back that i was welcome to his temple home were by all what i seek for are granted. I was please at that time. And i continue with him, he took some few details from me and told me that he shall get back to me as soon as he is through with my work.I was very happy as heard that from him. So Yesterday, as i was just coming from my friends house, Prophet Lord called me to go for checkup in the hospital and see his marvelous work that it is now HIV negative, i was very glad to hear that from him, so i quickly rush down to the nearest hospital to found out, only to hear from my hospital doctor called Browning Lewis that i am now HIV NEGATIVE. I jump up at him with the test note, he ask me how does it happen and i recede to him all i went through with Prophet Lord I am now glad, so i am a gentle type of person that need to share this testimonies to everyone who seek for healing, because once you get calm and quiet, so the disease get to finish your life off. So i will advice you contact him today for your healing at the above details: Email, solutionoflovespelltemple@gmail.com CONTACT HIM NOW TO SAVE YOUR LIFE: solutionoflovespelltemple@gmail.com AS HE IS SO POWERFUL AND HELPFUL TO ALL THAT HAVE THIS SICKNESS…

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  79. i just want to share my experience and testimony here.. i was married for 6 years to my husband and all of a sudden, another woman came into the picture.. he started hailing me and he was abusive. but i still loved him with all my heart and wanted him at all cost…then he filed for divorce. my whole life was turning apart and i didn’t know what to do .he moved out of the house and abandoned the kids.. so someone told me about trying spiritual means to get my husband back and introduced me to a spell caster…so i decided to try it reluctantly. although i didn’t believe in all those things… then when he consulted his gods and cast a return and love spell, after 3days, my husband came back and was pleading. he had realized his mistakes. I just couldn’t believe it. .anyways we are back together now and we are happy. in case anyone needs this man, his email address is eromosalspiritualtemple@gmail.com or thought hid website http://eromosalspiritualtemple.webs.com or call him with +2348161850195

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  80. After wasting a lot of time in trying other means to get my lover back i decided to give this powerful spell caster called Dr.OKOYE an opportunity to see if he will be able to bring my lover back to me.. I blamed myself at the end of the whole things for ever doubting the powers of Dr.OKOYE because through the help of Dr.OKOYE my lover came back to me within the time period of 48 hours which to me was so shocking because i never thought that Dr.OKOYE was going to be able to bring my lover back. I wish all those having problems in there relationships or marriage a success as they contact Dr.OKOYE through these details below via email: Ojemiritemple@gmail.com or you simply dial this mobile number +2348110038610 because i believe that Dr.OKOYE is capable to rescue and restore your relationship with more love and romance.

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  81. Living a life of a single mother for 9 months has not been easy because my son's father left me when my child was just 90 days old and since then paying the bills and taking care of my child were huge challenged and knowing that my husband is out there spending time with another woman made me more sad that was the moment a friend of mine told me that she has read a lot of good reviews about a great spell caster called Dr.Zabaza on how he has helped a lot of people in there relationship or marriages problems. Honestly i was shocked that such things actually take place in this world but the good news is that i really found Dr.Zabaza very useful because through his assistance my husband came back to me within 48 hours that the spell has been casted. Having receiving such huge favor and blessing from Dr.Zabaza i decided to join those people who has in one way or the other helped the world in knowing such person like Dr.Zabaza by dropping his details which are +2348182620374 or through email zabaza.logan@yahoo.com

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  82. I am by name Mitchelle Andres from United states, i want to use this opportunity to thank the Great DR OVIA for helping in getting my Ex husband back to me, i have been in great pains until the day i contacted DR OVIA he casted a love spell for me and told me to wait for just 12 hours that my Ex husband will call me and i did according to the instructions given to me by him and surprisingly, in 12 hours, my Ex husband really called me and started apologizing for all he had caused me. I am the happiest Woman on earth today because DR OVIA has done a wonderful deeds in my life and i will continue to share this testimony, if you would love to contact DR OVIA and if you know you are encountering same condition, visit him today by contacting him via this valid email address: droviasolutioncenter@yahoo.com or contact him through his website on http:droviasolutioncenter.webs.com
    Thanks...

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  83. I am by name Mitchelle Andres from United states, i want to use this opportunity to thank the Great DR OVIA for helping in getting my Ex husband back to me, i have been in great pains until the day i contacted DR OVIA he casted a love spell for me and told me to wait for just 12 hours that my Ex husband will call me and i did according to the instructions given to me by him and surprisingly, in 12 hours, my Ex husband really called me and started apologizing for all he had caused me. I am the happiest Woman on earth today because DR OVIA has done a wonderful deeds in my life and i will continue to share this testimony, if you would love to contact DR OVIA and if you know you are encountering same condition, visit him today by contacting him via this valid email address: droviasolutioncenter@yahoo.com or contact him through his website on http:droviasolutioncenter.webs.com
    Thanks...............

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  84. This is very essential blog; it helped me a lot whatever you have provided.
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  85. Are you suffering from any of the following problem ?

    1- Make/Fall in Love with any Desired Girl / Boy
    2- Attract - Control any Desired Girl / Boy
    3- Make Parents agree for Love Marriage / Inter Caste Marriage
    4- Make Your Lover Agree For Marriage with You
    5 -Get Your ex Boyfriend / Girlfriend Back by uduere
    6-Control - Attract your Boss / teachers towards You
    7- Make anyone agree to your decision by uduere doo
    8-Get Your ex Girlfriend Back by uduere from new Boyfriend
    9- uduere doo to Control In Law's minds
    10- Stop your husband's affair with another lady
    11- Find out if your husband / boyfriend cheating with you
    12- attract your husband towards you with royalty
    13-There is no Love between Husband - wife ??
    14-Your Husband / Wife is having an affair with some other ??
    15-Husband / Wife is not loving you now as before ??
    16-Husband / Wife is not giving you RESPECT ??
    17-Lack of trust or understanding between husband wife ??
    18-You want to Divorce ?? Or Want to Prevent Divorce ??
    19-Your Husband Does not listen to you ??
    20-Husband is not responsible or caring ?
    21-Husband / Wife not giving you space for yourself ?
    22-Mother in law teaching your husband negative lessons about you ?
    23-Your Wife / husband is cheating on you ?
    24-Husband Drinks So much, and Come home late night ?
    25-Husband Beats you without any reason ?
    26- Your Husband / Wife is attracting towards his / her EX partner ?
    there is no problem without solution this is the end of your problem,
    you can contact me via email add;lordaggumamagicspell@gmail.com

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  86. Am Bida Stacey by name My ex-boyfriend dumped me 6 months ago after I accused him of seeing someone else and insulting him. I want him back in my life but he refuse to have any contact with me.I was so confuse and don't know what to do,
    a friend of mine introduce me to the Dr Harrison by giving me his email, i never believed until
    I contact him and explain my problem to him and he cast a spell for me and assure me of 3 days that my ex will return
    to me and to my greatest surprise the third day my ex came knocking on my door and beg for forgiveness. for more information contact me on bidastacey@gmail.com I am so happy that my love is back again and not only that,we got MARRIED.all thanks to Dr Harrison. (seeing is believing) just put him to test and see his mighty power. If you have a similar problem please contact him on SACREDSPELLTEMPLE@HOTMAIL.COM

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  87. Am Bida Stacey by name My ex-boyfriend dumped me 6 months ago after I accused him of seeing someone else and insulting him. I want him back in my life but he refuse to have any contact with me.I was so confuse and don't know what to do,
    a friend of mine introduce me to the Dr Harrison by giving me his email, i never believed until
    I contact him and explain my problem to him and he cast a spell for me and assure me of 3 days that my ex will return
    to me and to my greatest surprise the third day my ex came knocking on my door and beg for forgiveness. for more information contact me on bidastacey@gmail.com I am so happy that my love is back again and not only that,we got MARRIED.all thanks to Dr Harrison. (seeing is believing) just put him to test and see his mighty power. If you have a similar problem please contact him on SACREDSPELLTEMPLE@HOTMAIL.COM.

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  88. Am so happy to share my experience and testimony here about my happy family which suddenly got broken. am Parker Karen from USA i had a nice family; i was married for 6 years to my husband and all of a sudden, another woman came into the picture the man that used to love me before started picking quarrels with me he was so abusive that when i try to tell him the truth about how i feel and what he is doing is not right for the family, he gets very angry and hits me with any thing he sees around him. but i still loved him with all my heart despite all he has done to me and i wanted him back at all cost. then he filled for a divorce my whole life was tearing apart and i didn't know what to do ...... he moved out of the house and abandoned me and the kids. so a very close friend of mine told me about trying a love spell means to get my husband back she also use dr.fara love spell to get back his divorce husband. And told me they are very much happy with there relationship. and she introduced me to the spell caster.at first i was surprised and scared so i decided to give it a try reluctantly.......although i didn't believe in all those things, then when he did the special prayers, i was so surprised, after two days my husband came back and was pleading for my forgiveness, he had realized his mistakes, i just couldn't believe it, anyway we are back together now and we are now one big happy family we use to be. his contact address Faraspelltemple@gmail.com his spells is for a better life again. tel:+2348071398555.

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