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Verdades y mentiras acerca del sistema penitenciario español.

  José Luis Segovia Bernabé – Dpto. de Pastoral Penitenciaria CEE

 

 

1.- Los tópicos.
“Entran por una puerta y salen por otra”, “tenemos el sistema penitenciario más blando de Europa”, “en España sale baratísimo delinquir”, “en la cárcel viven mejor que en un hotel”, “todo son derechos para el delincuente”… Estas y parecidas frases pueden escucharse en el mercado, en el tajo, en el bar e incluso entre los pretendidamente “ilustrados” tertulianos de programas de radio o TV. Se trata de una percepción fuertemente enraizada en el imaginario colectivo, incentivada por la concurrencia de algún crimen horrendo, por haber convertido los telediarios en “El Caso” o por lo fácil que resulta la expansión de estereotipos referidos a “los otros”. Naturalmente, no se puede negar la existencia de delitos graves que suponen la quiebra de la paz social y un sufrimiento inmenso para las victimas. Se trata, sin embargo, de redimensionar el problema de la seguridad en sus justas proporciones y, sobre todo, de evitar encaminarnos hacia una “democracia totalitaria” que criminalice sin distinción y que acabe por tornarnos a todos en verdugos de todos.

 

2.- Los datos.
A 30 de mayo de 2008 hemos superado un triste record histórico: se superado la barrera de 70.000 personas encarceladas[1]. Además de este dato cuantitativo, en los últimos diez años se ha duplicado el tiempo medio de estancia en prisión. El mito de que tenemos el sistema penal más benevolente de Europa cayó hecho añicos cuando, recientemente, se hizo público que España tiene el tiempo medio mayor de estancia en prisión de los 48 países analizados por el Consejo de Europa en 2007. Baste decir que la media de la UE es de 90 presos por cada 100.000 habitantes y nosotros andamos por más de 155 (la supuesta “dureza” del sistema Alemán lo mantiene en 95/100.000). Por eso, se entenderá que la tasa de sobre-ocupación carcelaria de los 77 establecimientos penitenciarios en España supere el 150%. No extraña en este contexto, que en septiembre de 2008, los funcionarios del psiquiátrico penitenciario de Sevilla denuncien que “hay más presos que camas”.[2]

 

Esto significa que, contrariamente a la opinión generalizada, cada vez se recurre más a la cárcel como respuesta a la criminalidad, incluso en supuestos no gravemente lesivos para la paz ciudadana. En este momento, tenemos el doble de presos que en 1990, pero, afortunadamente, ni mucho menos el doble de criminalidad. En efecto, la tasa de delitos por cada 1.000 habitantes se sitúa en torno a 51 (66 en el caso alemán y 69/1.000 de media europea). En suma, lejos de ablandar el trato al delincuente, el llamado “Código Penal de la Democracia” de 1995 ha eliminado las redenciones de penas, ha aumentado el número de delitos, ha incrementado la duración de las condenas y se ha establecido, sobre todo después de las reformas del año 2003, un régimen de cumplimiento mucho más inflexible que justifica las cifras antes aportadas. En otros países existen penas nominalmente más altas (p.e., la cadena perpetua), pero su cumplimiento efectivo es siempre flexible y suponen un tiempo efectivo de estancia en prisión menor que el nuestro (aunque no tengamos formalmente condena a perpetuidad). Pocas personas saben que, sin delitos de sangre, hay reclusos cumpliendo condenas de 50 y más años efectivos de prisión mientras, que otros, con muchas muertes encima, tienen fijado un límite de cumplimiento en 30 0 40 años como máximo. De continuarse esta tendencia –y no hay datos para colegir otra cosa- haría falta una nueva macrocárcel cada dos meses, lo cual es inviable desde todo punto de vista.

 

Por apuntar algunas variables cualitativas que ayuden a entender el panorama, y sobre todo, la correlación que existe entre problemática social y procesos de criminalización de la pobreza, baste señalar que ¾ de las personas encarceladas están afectados por la exclusión social. Por lo que se refiere a la incorporación laboral, un tercio de los menores de 30 años no ha trabajado jamás más de tres meses consecutivos en un mismo trabajo y prácticamente la mitad carece de cualificación laboral. Aproximadamente un 75% de las personas encarceladas tiene estudios elementales o ninguno. Por otra parte, un 50% tienen tratamiento con psicofármacos incluida la metadona, cerca de un 40% presentan problemas asociados a las drogas y un porcentaje semejante trastornos mentales y de personalidad. Cerca de un 1/3 son extranjeros, con mayor prevalencia entre los que esperan juicio, debido a la desconfianza de los jueces hacia los no autóctonos. A ello se unen dos millares largos de discapacitados físicos y psíquicos y varios centenares de mayores de 65 años. Por cierto, es otro mito que no se pueda entrar en la cárcel a partir de los 70 años: hay varios octogenarios presos.

 

 

3.- Nuevos perfiles.
En los últimos años se están produciendo cambios en el perfil de la población penitenciaria que sintetizamos: a.- Cada vez más hay extranjeros encarcelados, sobre todo preventivos. b.- Aumenta la cifra de enfermos mentales (vinculados o no a drogas). c.- Va siendo significativa el número y precaria situación de discapacitados y ancianos. d.- Empiezan a aparecer por las prisiones personas de clase media (hasta ahora lo había hecho siempre la baja y anecdóticamente la clase alta). e.- Se incrementa el número de encarcelados vinculados a delitos hasta ahora poco representados: violencia doméstica, contra los derechos de los trabajadores y contra la seguridad en el tráfico.

 

 

4.- El juicio crítico.-
Un estudio reciente[3] revela la distorsión espectacular que se produce en torno a la percepción del funcionamiento del sistema penal: casi ¾ partes piensa que las penas impuestas por los jueces son blandas; sin embargo, cuando se invita al encuestado a señalar la pena que impondría, resulta que paradójicamente la pena que indica el ciudadano como idónea es netamente inferior a la que efectivamente están cumpliendo los infractores. Hay una excepción: los delitos que han tenido amplio eco mediático en que se desboca la vindicación. Ello contradice el mito del punitivismo ciudadano y revela la enorme fuerza de los medios de comunicación para configurar imaginarios sociales ajenos a la realidad. Una imagen sesgada por completo, que políticos, responsables de la política judicial parecen empeñados en seguir alimentando en forma de populismo punitivo.

 

En todo caso, no es difícil concluir que los subsistemas policial, penal y penitenciario intervienen selectivamente sobre los grupos sociales más carenciales, los cuales cuentan con menos oportunidades de adquirir unos niveles mínimamente dignos de calidad de vida. De este modo, se acaba castigando a los que menos tienen y más vulnerables resultan. Se evidencia de este modo la neta correlación entre exclusión social y control penal. La precariedad social, discapacidad y la salud mental, incluso la tercera edad, no están suficientemente protegidas socialmente. Ello explica su prevalencia en el ámbito penitenciario y cómo la prisión acaba por realizar “funciones de suplencia” de los servicios públicos. En una situación de crisis económica como la actual, el aseguramiento de calidad de vida para los ciudadanos más precarizados evitará una futura inversión diez o doce veces mayor en medidas penales y penitenciarias. No se olvide que el coste de preso/año es, a la baja, de 3000 euros, cifra que se puede multiplicar por tres en el caso de los menores infractores. Invertir en prevención social resulta rentable, también económicamente.

 

Además de los factores estructurales existen otras explicaciones sobre el incremento de personas en prisión (sin proporción alguna con la tasa de delincuencia, como se vio). Un primer factor coyuntural hace referencia al paulatino endurecimiento del sistema penal, iniciado con el Código Penal de 1995, exacerbado con las reformas del 2003 (suscritas por PP y PSOE), y con visos de continuidad e idéntico consenso. Otro factor hace referencia a hipertrofia de la problematización social de la delincuencia: la atribuye una dimensión mayor de la que efectivamente presenta. Así habitualmente se piensa que está en continuo aumento, que la mayor parte es violenta y que la mayoría de los delincuentes son habituales. Un tercer elemento tiene que ver con ekl cultivo mediático de la cultura del “populismo punitivo” que ha exacerbado el recurso al Derecho penal como herramienta idónea para resolver toda suerte de conflictos. También debe significarse la falta de utilización suficiente de alternativas a la prisión, sobre todo para delitos de escasa peligrosidad. Finalmente, englobando todo lo anterior, es obligado referirse al abuso de la llamada “función simbólica del Derecho penal”: cualquier problema se conjura acudiendo al manido “más delitos, más penas y de más duración”. Es la propia Secretaria General de Instituciones Penitenciarias, Mercedes Gallizo, quien hace poco, comentando esta situación reconocía que “en España se hace un uso abusivo de la prisión”.

 

En este contexto, dando un salto aparente, Cristo se presenta con la sorprendente y provocativa misión de “anunciar la libertad a los presos” (Lc 4,19). El Papa Juan Pablo II, en su visita a las personas privadas de libertad en la cárcel de Roma,[4] comentando este texto de Lucas, se preguntaba “¿Es que estas palabras se deben relacionar con las estructuras de las cárceles en su acepción más inmediata, como si Jesucristo hubiese venido a eliminar las prisiones y todas las demás formas de detención?” Cuando la respuesta esperada hubiera sido “no, en ese sentido literal exactamente, no”, el Papa sorprende contestándose “en cierto sentido, así es también”. Dejaremos para otro momento, la silenciosa pero significativa respuesta evangelizadora de la Iglesia ante las verdades y mentiras analizadas.

[1] A primeros de octubre de 2008, ya vamos por más de 72.000 , ¡y subiendo a un ritmo de 500 al mes!

[2] Ver la noticia y datos continuamente actualizados sobre la realidad penitenciaria española en la espléndida web del Colegio de Abogados de Pamplona: www.derechopenitenciario.com

[3] Boletín Criminológico nn. 103-104 (2008) Instituto andaluz interuniversitario de Criminología, publicado el www.criminologia.net/reic.html de la Revista española de Investigación criminológica.

[4] Discurso de Juan Pablo II en la cárcel de Rebbibia (Roma) el 26 de diciembre de 1983, en Corintios XIII 27-28 (1983) 420.

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  192. السيد راموند ألبرت Responder

    تحية للجمهور بأكمله. اسمي ميليسا ليتش، أنا متزوج بسعادة مع اثنين kids.i جاء إلى هذا الموقع جدا للإعلان وتبادل العمل الجيد من قروض راموند ألبيرت لمنحني قرض توحيد من 850،000 $ … لقد تم رفض كل مكان، ذهبت من خلال والكثير من العملية وقد تم خدع من قبل شركات القروض المختلفة التي جئت عبر ولكن عندما التقيت راموند ألبيرت القروض أعطاني قرضا من 850،000 $ بعد تقييم ملفي الشخصي والكثير من الأشياء الأخرى. هذا حقا جعلني أن أبدأ الحياة مرة أخرى بعد كل الصعوبات التي كان لي، لدي منزل سعيد مرة أخرى، وأنا هنا لاستخدام هذه الوسيلة لإعلام الجمهور أنه إذا كنت في حاجة الى قرض شرعي دون أي ضغوط والموافقة على نفس اليوم، سيكون على الاتصال بسرعة لهم على الفور عن طريق البريد الإلكتروني على: ramondalbertloanfirm@gmail.com أو (+27) 84-767-03-06

  193. Mrs Angel Marco Responder

    لهم.وهذا أعطاني وسعادتي عائلتي، وكنت في حاجة الى الرهن العقاري $ 250،000.00 لبدء حياتي كما أرملة مع 3 أطفال أشير إلى هذه الشركة الرهن العقاري صادقة وودية الذي ساعدني مع الرهن العقاري من 250،000.00 $، هم في الواقع الله خوفا على الناس، شركة الإقراض ذات السمعة الطيبة.

    أنا سعيد جدا للحصول على الرهن العقاري من لهم في الأسبوع الماضي. إذا كنت في حاجة إلى الرهن العقاري وكنت متأكدا 100٪ من دفع الرهن العقاري يرجى الاتصال بهم ويرجى إخبارهم أن السيد سلام وجهت إليهم. الاتصال عبر البريد الإلكتروني: armani_investors2009@hotmail.com واتساب +2349027088121

  194. Alli Musa Responder

    2٪ قرض العرض

    تفقد النوم في العناية الليلية حول كيفية الحصول على قرض

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  195. Rude Walker Responder

    شهادتي حول كيف انضمت أخيرا المتنورين وأصبحت غنية، مشهورة وقوية، حاولت قصارى جهدي لتصبح عضوا في كابو، ولكن كنت سويندلر عدة مرات، حتى أخيرا وجدت شهادة في الشبكة، لذلك اتصلت وكيل، كنت خائفة جدا من أنه سوف يطلب مني الكثير من المال قبل أن أتمكن من الانضمام إلى كابو، ولكن بالنسبة لي مفاجأة كبيرة، وقال انه طلب مني فقط للحصول على نموذج العضوية فعلت واليوم أنا سعيد جدا أن أقول للعالم أن أنا واحد من أغنى أن يكون مبلغ 360 مليون دولار من الدولارات في حسابي الشخصي كعضو جديد وأنا أيضا معروفة في جميع أنحاء العالم مع الأعمال حصلت على المتنورين ولدي أيضا القدرة على القيام به ماذا اريد. …. أنا أعرف الكثير من الناس يمكن أن يكون في حارة أيضا تبحث عن مساعدة هنا هو البريد الإلكتروني الرسمي kelvinjackson666@gmail.com

  196. Rude Walker Responder

    أعيش في الولايات المتحدة الأمريكية فلوريدا وأنا امرأة سعيدة اليوم؟ قلت لي أن أي قرض المقرض التي يمكن أن تغير حياتي وأسرتي، وسوف أشير أي شخص الذي يبحث عن قرض لهم. إذا كنت في حاجة إلى قرض وكنت متأكدا 100٪ لتسديد القرض يرجى الاتصال بهم ويرجى إخبارهم أن السيدة لين أحالت إليهم. kelvinramson11@gmail.com

  197. Rude Walker Responder

    قرض رخيصة وبأسعار معقولة لدفع الفواتير الخاصة بك، والأعمال التجارية أو أي غرض آخر، نحن نعطي القروض ل 2٪ سعر الفائدة ونقدم القروض من $ 2،000 إلى 50،000،000.00 $، اتصل بنا إذا كانت مهتمة عبر البريد الإلكتروني: kelvinramson11@gmail.com

  198. Rude Walker Responder

    أعيش في الولايات المتحدة الأمريكية فلوريدا وأنا امرأة سعيدة اليوم؟ قلت لي أن أي قرض المقرض التي يمكن أن تغير حياتي وأسرتي، وسوف أشير أي شخص الذي يبحث عن قرض لهم. إذا كنت في حاجة إلى قرض وكنت متأكدا 100٪ لتسديد القرض يرجى الاتصال بهم ويرجى إخبارهم أن السيدة لين أحالت إليهم. oman_insurance_investors@outlook.com

  199. Armani_investors Responder

    اسمي أحمد ، أنا من دبي ، وأنا سعيد جداً بالحصول على قرض عقاري من الجزء الأوروبي من العالم ، وأنا هنا لأوصيكم جميعاً بحاجة إلى مساعدة مالية للاتصال بأرماني المستثمرون للحصول على طلب الرهن العقاري الخاص بك. تحتاج إلى 40،000 دولار للرهن العقاري لشراء سيارة جديدة ، وكذلك لدفع فواتيري ، اتصلت بهم للحصول على طلب الرهن العقاري الخاص بي ، وأنا أتلقى رهن عقاري بنجاح بعد بعض التجهيز الواجبة مما يجعل لي ما يقرب من فقدان الأمل في نفوسهم.

    يرجى الاتصال Armani_investors عبر البريد الإلكتروني أو ال WhatsApp: +23490742342611
    البريد الإلكتروني: Armani_investors2009@hotmail.com

  200. Armani_investors Responder

    مرحباً اسمي بخيت من المملكة العربية السعودية ، أود أن أشكر السيد أرامكو إنفيستورز لمساعدتي في الحصول على أموال قرضي البالغة 60،000.00 دولار بعد أن تم خداعنا لفترة طويلة إذا كنت مهتماً بقرض ما ، يرجى الاتصال به حتى يمكنه مساعدتك أيضاً القرض لا يستغرق وقتا طويلا في غضون 24 ساعة الوقت كان قرضي في حسابي أي شخص بحاجة إلى قرض عاجل وموثوق به يجب عليه الاتصال به الآن هو الله المرسلة وشخص جيد له البريد الإلكتروني هو Armani_investors2009@hotmail.com أو whatsapp: +234974234261

  201. Armani_investors Responder

    مرحباً اسمي بخيت من المملكة العربية السعودية ، أود أن أشكر السيد أرامكو إنفيستورز لمساعدتي في الحصول على أموال قرضي البالغة 60،000.00 دولار بعد أن تم خداعنا لفترة طويلة إذا كنت مهتماً بقرض ما ، يرجى الاتصال به حتى يمكنه مساعدتك أيضاً القرض لا يستغرق وقتا طويلا في غضون 24 ساعة الوقت كان قرضي في حسابي أي شخص بحاجة إلى قرض عاجل وموثوق به يجب عليه الاتصال به الآن هو الله المرسلة وشخص جيد له البريد الإلكتروني هو saudi_aramco_lending@hotmail.com

    أو whatsapp: +2348059562679

  202. Armani_investors Responder

    سمي أحمد ، أنا من دبي ، وأنا سعيد جداً بالحصول على قرض عقاري من الجزء الأوروبي من العالم ، وأنا هنا لأوصيكم جميعاً بحاجة إلى مساعدة مالية للاتصال بأرماني المستثمرون للحصول على طلب الرهن العقاري الخاص بك. تحتاج إلى 40،000 دولار للرهن العقاري لشراء سيارة جديدة ، وكذلك لدفع فواتيري ، اتصلت بهم للحصول على طلب الرهن العقاري الخاص بي ، وأنا أتلقى رهن عقاري بنجاح بعد بعض التجهيز الواجبة مما يجعل لي ما يقرب من فقدان الأمل في نفوسهم.

    يرجى الاتصال Aramco_investors عبر البريد الإلكتروني أو ال WhatsApp: +2348059562679
    البريد الإلكتروني: saudi_aramco_lending@hotmail.com

  203. Oman Investors Responder

    شكراً للسيد عُمان ، أستطيع أخيرا أن أبتسم مرة أخرى وأعطوني قرضاً لبدء عمل تجاري. تم منح قروض بقيمة 80،000.00 دولار إلى اثنين من زملائي ، وتلقينا قرضًا بدون أي صعوبة بمعدل 2٪ سنوياً. أنصحك بعدم العودة إلى الأشخاص الخطأ ، إذا كنت ترغب في الحصول على قرض لمشروع أو حاجة أخرى. لقد قدمت هذا الإعلان لأن السيد عمان بهذا القرض ساعد الكثير. من خلال صديق التقيت هذا الرجل الصادق والسخي. يمكنك الكتابة إليها وستعمل على رضاك. يمكنك الاتصال بالسيد عمان عبر البريد الإلكتروني: oman_insurance_investors @ outlook.com أو ما- sapp + 15109846429

  204. Oman Investors Responder

    مرحبا الجميع ، اسمي السيدة شارون سيم. انا أعيش في فلوريدا وانا أمراه سعيده اليوم ؟ وقالت لي ان إنقاذ عائلتي من حاله سيئه ، وسوف أشير إلى اي شخص للبحث عن قرض له ، وكان سعيدا بالنسبة لي ولعائلتي ، وكانت بحاجه إلى قرض من $250,000.00 لبدء حياتي حول وانا ام واحده مع 3 أطفال أحب ان يكون في هذا العالم. الدولار ، هو رجل خوفا من الله ، إذا كنت في حاجه إلى قرض وسوف يسدد القرض يرجى الاتصال به أخبره بانك السيدة شارون ، شكرا لك علي بريدك الكتروني: (oman_insurance_investment@outlook.com) شكرا لك

  205. Oman Investors Responder

    انا كاثرين ابيل مقيم/مواطن من الولايات المتحدة الامريكيه. انا 51 سنه من العمر أمراه سيده. وكان لي مره واحده صعوبات في تمويل مشروعي/الاعمال التجارية. إذا لم يكن لصديق جيد من ألغام الذي قدم لي السيد
    المستثمر العماني الذي هو مقرض المال للحصول علي قرض من [100 ، 000 دولار أمريكي] من شركته. عندما اتصلت بهم استغرق الأمر فقط 48 ساعة للحصول علي قرضي وافقت ونقل إلى حسابي بعد اجتماع كل ما لديهم من المواعظ كما هو مبين في اتفاق القرض/الشروط والاحكام. حتى لو كان لديك الائتمان السيئة التي لا تزال تقدم هناك خدمه لك إذا كنت بحاجه إلى مساعده مالية عاجله يمكنك الاتصال بهم اليوم للحصول علي قرض عن طريق هذا البريد الكتروني: oman_insurance_investors@outlook.com أو ما whatsapp + 15109846429.

  206. mohameed Responder

    اسمي مايك رامزي ، أنا سعيد للغاية بالحصول على قرض عقاري من أي مكان في العالم ، وأنا هنا لأوصي بكل المساعدة المالية اللازمة للاتصال بـ armani_investor لتطبيق الرهن العقاري الخاص بك. كنت بحاجة إلى قرض عقاري بقيمة 40،000 دولار لشراء سيارة جديدة ، وكذلك لدفع فواتيري ، اتصلت به للحصول على طلب الرهن العقاري الخاص بي ، والحصول على الرهن العقاري بنجاح.

    يرجى الاتصال armani_investors عن طريق البريد الإلكتروني للرهن الممتلكات الخاصة بك: armani_investors2009@hotmail.com أو Whatsapp +2349039252262

  207. ashley Responder

    تحية للجميع

    نحن نقدم القروض بنسبة 2 ٪ ، ونحن نقدم قرضا لترسيخ ديون تصل إلى 5 ملايين دولار * إعداد قرض الأعمال تصل إلى 10 مليون دولار * قرض شخصي يصل إلى 4،000،000 * قرض إسكان يصل إلى 25،000،000 * قرض تمويل السيارات تصل إلى 70 مليون دولار * قروض تجارية تصل إلى 500 ،

    armani_investors2009@hotmail.com

  208. abdulmohamed Responder

    السلام عليكم ، هل تحتاج إلى قرض شخصي /قرض الاستثمار/شركة الابتكار القرض / عطلة القرض ؟ ونحن نقدم قرض في 2 ٪ سعر الفائدة. ونحن نقدم قرض من 10 ، 000.00 الحد الأدنى إلى الحد الأقصى من 100,000,000.00 يورو/دولار/الانقضاض. الاتصال بنا للحصول على مزيد من التفاصيل
    البريد الإلكتروني ؛ ABDULMOHAMEDLOANFIRM@GMAIL.COM

    سوف تحصل على القرض الخاص بك في غضون 24 ساعة.

  209. تحية للجميع؛ اسمي سارة أكبر من الكويت. رأيت تعليقات من أشخاص سبق أن حصلوا على قرض من شركة آل عبدالله الملكة رانيا ؛ وقررت أن أتقدم بطلب منها ، ولم أؤكد سوى بضع ساعات في حسابي 670،000،000 دينار طلبتها. أنا تماما مثل أي شخص يحتاج إلى قرض يجب إرسالها بالبريد الإلكتروني على (queenranialoanleader@hotmail.com) أو whatsapp +2348122022637 أنا سعيد الآن لأنني حصلت على القرض الذي طلبته

  210. أنا أعيش في الولايات المتحدة الأمريكية فلوريدا وأنا امرأة سعيدة اليوم؟ قلت لنفسي أن أي مقرض القرض الذي يمكن أن يغير حياتي وعائلتي ، سأحيل أي شخص يبحث عن قرض لهم. إذا كنت بحاجة إلى قرض وكنت متأكداً 100٪ من تسديد القرض ، يرجى الاتصال بهم ، ويرجى إخبارهم بأن السيدة شارون كوليدج لين قد أحالتهم إليهم عبر البريد الإلكتروني: bishopelijahloanfirm002@hotmail.com
    whatsApp: +2349035555247

    السيدة شارون كوليدج لين

  211. اسمي أوليغ تينكوف من روسيا. أود أن أشكر آل عبدالله الملكة رانيا التي ساعدتني في الحصول على قرض. خلال الأشهر الخمسة الماضية ، كنت أبحث عن قرض لتسوية ديوني ، كل شخص التقيت به خدعني وأخذ نقودي حتى التقيت أخيرًا بالملكة الملكة رانيار. كانت قادرة على إعطائي قرض بقيمة 4،000،000 روبل. يمكنها أيضًا مساعدتك. وقد ساعد أيضا بعض الزملاء الآخرين من الألغام. إذا كنت بحاجة إلى أي مساعدة مالية ، يرجى الاتصال بشركتها Email: (queenranialoanleader@hotmail.com) أو whatsapp +2348122022637

  212. Oman Investors Responder

    2 ٪ الائتمان المقدمة مقبولة الآن *

    هناك حاليًا العديد من الأسباب التي تدفعنا إلى الحصول على الائتمان: توحيد الديون بمعدل أفضل ، تحسين المنزل الذي حلمت به ، تمويل السيارة ، بدء نشاط تجاري ، قيادة عطلة كبيرة ، التخطيط للمشاركة في حفلات الزفاف ، بعض النفقات الطبية غير المتوقعة أو ربما بعض سبب آخر معا. بغض النظر عن الأسباب الخاصة بك ، فمن المرجح أن تكون طريقة بسيطة ومعقولة للحصول على قرض بالإضافة إلى المال لحسابك المصرفي.

    البريد الإلكتروني اليوم: oman_insurance_investors@outlook.com

  213. Oman Investors Responder

    أنا كلين هابيل مقيم / مواطن من الولايات المتحدة الأمريكية. عمري 51 سنة من العمر سيدة أعمال. واجهت ذات مرة صعوبات في تمويل مشروعي / مشروعي. إن لم يكن من أجل صديق جيد الذي قدمني إلى السيد عمان المستثمر الذي هو مقرض للحصول على قرض بمبلغ 100000 دولار أمريكي من شركته. عندما اتصلت بهم ، استغرق الأمر 48 ساعة فقط للحصول على الموافقة على القرض الخاص بي وتحويله إلى حسابي بعد استيفاء جميع طرائق العمل المنصوص عليها في اتفاقية القرض الخاصة بهم / الشروط والأحكام. حتى إذا كان لديك ائتمان سيئ لا يزال هناك خدمة لك إذا كنت بحاجة إلى مساعدة مالية عاجلة يمكنك الاتصال بهم اليوم للحصول على قرض عبر عنوان البريد الإلكتروني هذا: oman_insurance_investors@outlook.com أو ما Sapp + 15109846429.

  214. Mohammed Ommar Responder

    قرأت عن Jameson Finance وكيف أنهم يساعدون في القروض التجارية. كما أنني قد حصلت على قرض من هذه الشركة لذلك أنا أوصي بأن أي شخص منكم يحتاج إلى مساعدة مالية يجب أن يتصل بجيمسون للحصول على قرض سريع وسهل. شركة emaill: theodorejamesonfinance@hotmail.com أو Whatsapp +2348058302338

  215. Aamirah Investors Responder

    تحية للجميع،

    كيف أحصل على قرض مع خطوات المعالجة السهلة

       اسمي جيري واين من الولايات المتحدة الأمريكية وأريد أن أدافع عنك إلى أشهر مقرضي القروض عبر الإنترنت Aamirah Investors ، الشركة التي ساعدتني في الحصول على قرض سريع ، حيث كان البنك المحلي هنا في الولايات المتحدة الأمريكية يدعي أن بيتي هو الضمان الذي وضعته عندما أخذت أولا قرض منهم.
       كانت الخطوات سهلة للغاية لدرجة أن أحد أصدقائي كان يطبقها أيضًا وقد حصل عليها أيضًا ، قد يبدو ذلك مضحكا لكني أشكرك كثيرًا يا Aamirah Investors ، لقد أنقذتني من البنك والآن لا يزال لدينا سقف فوق رؤوسنا لقد استخدمت جزء من القرض لبدء الأعمال التجارية التي أنا كسب جيدا الآن لسداد القرض مرة أخرى. أشعر أن هذه هي الطريقة الوحيدة التي يمكنني بها إظهار تقديري حقًا. هل الاتصال: المستثمرين Aamirah إذا كنت في حاجة إلى قرض.
      E_mail: Aamirah_investors2010@outlook.com

  216. Mohammed Responder

    كيف دفعت قروضي وفواتير الضرائب

    اسمي محمد البغدادي ، أم عزباء من المملكة العربية السعودية ، وأنا ممتن وممتن للغاية لإعارة أسقف إيليا لمنح قراري في 3 مايو 2018 لتسديد الديون والديون الضريبية. أنقذوني وأولادي من فقدان منزلنا. قد تكون هذه الرسالة ذات أهمية كبيرة بالنسبة لك هناك تسعى للحصول على قرض حقيقي في بعض من أجل عدم الوقوع في الأيدي الخطأ ، ونصيحتي هي الاتصال بهذه الشركة عن طريق البريد الإلكتروني: Armani_investors2009@hotmail.com أو whatsapp contact: +14408748161

  217. Amber Shaw Responder

    مرحبا،
    اسمي “آمبر” ، أنا هنا لأوصي بمقرض شرعي قدم لي قرضًا بقيمة 45000 دولار ، من استثمارات جيري جونز المالية ، وأريد أن أحثك جميعًا في حاجة إلى مساعدة مالية لنتفضل بالاتصال به عبر البريد الإلكتروني لطلب قرضك: jerryjonesfinancialinvestments @ gmail.com

  218. اسمي السيدة ماي سينغ تشاو. وقد بارك الله لي مع ثلاثة أطفال وزوج المحبة ، وأعدكم بمشاركة هذه الشهادة بسبب الله صالح في حياتي ، منذ 4 أشهر كنت في حاجة ماسة إلى المال حتى فكرت في الحصول على قرض ثم ركضت في الأيدي الخطأ الذي ادعى أن يكون مقرض القرض لا يعرف أنه كان عملية احتيال. لقد جمع $ 1،860 منّي ورفض أن يرسل لي رسالة بالبريد الإلكتروني ، ومنذ ذلك الحين كنت أرتبك ، لكن الله جاء لإنقاذي ، أحد المؤمنين الجمعة ذهبت إلى الكنيسة بعد الخدمة أشارك الفكرة مع عضو مسلم وهي تعرّفني على وكالة قروض تدعى وقال الأسقف إيليا إنها منحت الوكالة مبلغا قدره 000 90 دولار. أنا جمعت عنوان البريد الإلكتروني وكالة القرض وأنا بالبريد الإلكتروني لهم صباح الاثنين ، وقال لي القواعد والتنظيم وتابعت. بعد معالجة المستندات ، قدم لي قرضًا بمبلغ 120.000 دولارًا. يمكن لأي شخص الاتصال به عبر البريد الإلكتروني: bishopelijahloanfirm002@hotmail.com أو رقم WhatsApp: +2349035555247 وأعرف أنه يجب عليه الإقراض لأنهم الأفضل.

  219. اسمي سوكنا من اللبنانيين وأنا سعيد هنا لأنني حصلت على قرض من 45 جنيه من شركة الملكة رانيا. إذا كنت مغروراً في القرض ؛ أرسلها بالبريد الإلكتروني اليوم على{queenranialoanleader@hotmail.com} أو وكيله whatsapp +2349035555247

  220. David Responder

    سيدي العزيز / سيدتي،
     
    نحن نقدم قرضًا مضمونًا وغير مضمون بسعر فائدة منخفض جدًا بنسبة٪ 3. هل تبحث عن قرض عاجل لتمويل مشروعك وتسديد فواتيرك ، وهنا تأتي فرصتك للتقدم في إدارة رأس المال OAKTREE ، ونحن نقدم جميع أنواع القروض يجب أن يكون الشخص المعني الشخص الصادق ، الاتصال بي عبر البريد الإلكتروني: oakcapitalmanagements@gmail.com
     
    تحياتي الحارة،
    David

  221. ALL STATE FINANCE LOAN Responder

    شكرا لجميع أولئك الذين قدموا لشركتي سجل مصداقية جيد من حيث التمويل. هدفنا هو مساعدة الناس بالمال بمعدل فائدة منخفض يبلغ 3٪.

    هل تحتاج إلى قرض / مال على وجه السرعة؟ لا تقلق بعد الآن لأن هذا هو المكان المناسب لشراء قرض. أريد استخدام هذا الوسيط لإعلام جميع الذين يحتاجون إلى أموال قرض من أي نوع ، لا تترددوا في الاتصال بنا عبر البريد الإلكتروني: allstatefinanceloancompany@gmail.com.
    شكر
    نتطلع إلى ردكم المبكر.

  222. تمارا جونسون Responder

    أنا تمارا جونسون بالاسم. أنا أعيش في الولايات المتحدة الأمريكية ، وأريد استخدام هذا الوسيط لتنبيه جميع طالبي القروض إلى أن نكون حذرين للغاية لأن هناك احتيال في كل مكان. قبل بضعة أشهر كنت متوترة من الناحية المالية ، وبسبب يأس بلدي ، خدعني العديد من المقرضين عبر الإنترنت. كنت قد فقدت الأمل تقريبا حتى أحضرني صديق لي إلى مقرض موثوق به للغاية يسمى بيشوب إيليا قروض شركة الذي أقرضني قرض غير مضمون من 75000 دولار في 24 ساعة دون أي ضغوط. إذا كنت في حاجة إلى أي نوع من القروض فقط اتصل به الآن عبر البريد الإلكتروني: bishopelijahloanfirm002@hotmail.com أو WhatsApp: +2349035555247 أستخدم هذا الوسيط لتنبيه جميع طالبي القروض بسبب الجحيم الذي مررت به في أيدي هؤلاء المقرضين الاحتيالية شكرا لك.

  223. لويس روت Responder

    مرحباً بالجميع في هذا المنتدى ، أنا لويس روت من الولايات المتحدة الأمريكية ، لا أستطيع أن أصدق أن الله موجود حقاً حتى لم يتم إنقاذي وأنقذ من العبودية المالية .. لقد كنت في أزمة مالية وكنت بحاجة إلى دفع بعض الفواتير. حاولت البحث عن مساعدة من البنوك ولكن دون جدوى ، حاولت أيضاً أن أسعى للحصول على مساعدة من الإنترنت فقط لمقابلة المحتالين الذين تظاهروا بأنهم مقرض خاص وابتعدوا عن 15000 دولار ولم أحصل على قروضي ، حتى أحضرني الله إلى الأسقف إيليا من خلال صديق تم إنقاذه من مشكلة مالية وقرض قدره 80،000.00 دولار أمهل له من قبل رجل اتصل به المطران إيليا ، لذلك استلمت نصيحته واتصلت بشركة أسقف إليجا للقروض وفي غضون أسبوع واحد تم منح قرضي بمبلغ 200000 دولار لي نصيحت لي على كل شخص يسعى للحصول على قرض بسعر فائدة منخفض من 2 ٪ .لقد أفعل ذلك لأنني سعيدة جدا أنا من العبودية المالية وأنا مرة أخرى مليئة بالفرح والحياة سهلة كل ذلك بفضل الله والإسكندرية إيليا . يمكنك الاتصال على المزيد من شركة القروض عبر (bishopelijahloanfirm002@hotmail.com) أو نص ال WhatsApp: +2349035555247

  224. بن علي عبد الغاني Responder

    قم بإنهاء همومك المالية الآن: أستطيع أن أبتسم أن الرجل الذي يخشى الله ، والذي حصل على 66،000 دولار أمريكي واثنان من زملائي تلقوا قروضًا من هذا الرجل ، دون أي صعوبة. أنصحك بعدم اختيار الشخص الخطأ ، وسوف تتقدم بطلب للحصول على قرض نقدي لمشروعك وبعضكما البعض. لقد كتبت هذا المنصب ، لأن المطران إيليا جعلني أشعر بأنني مباركة قروضهم. من خلال صديق قابلت هذا الرجل الصادق والكرم من الله الذي ساعدني في الحصول على هذا الصندوق لدفع ثمن قرض حياتك ، تحتاج إلى مساعدة مالية ، أنت عالق ، لا يمكنك الوصول إلى الائتمان المصرفي ، أو ليس في صالح للبنك لتمويل البناء الخاص بك ، والتطوير العقاري ، وتطوير عملك الخاص بك ، يجب أن تكون قد رأيت وكسب المال ، وسوء الائتمان أو تحتاج إلى المال لدفع الفواتير أو الديون. لذلك ، نوصيك بالذهاب إلى هناك ، يرجى الاتصال بك والالتقاء بك للحصول على الخدمات التي تطلبها. عنوان الاتصال: (bishopelijahloanfirm002@hotmail.com) أو WhatsApp: +2349035555247

  225. algerien Responder

    ي مايك رامزي ، أنا سعيد للغاية بالحصول على قرض عقاري من أي مكان في العالم ، وأنا هنا لأوصي بكل المساعدة المالية اللازمة للاتصال بـ armani_investor لتطبيق الرهن العقاري الخاص بك. كنت بحاجة إلى قرض عقاري بقيمة 40،000 دولار لشراء سيارة جديدة ، وكذلك لدفع فواتيري ، اتصلت به للحصول على طلب الرهن العقاري الخاص بي ، والحصول على الرهن العقاري بنجاح.

    يرجى الاتصال armani_investors عن طريق البريد الإلكتروني للرهن الممتلكات الخاصة بك: armani_investors2009@hotmail.com أو Whatsapp +2349039252262

  226. أنا آنا بالاسم أنا أعيش في الولايات المتحدة الأمريكية ، وأريد استخدام هذا الوسيط لتنبيه جميع طالبي القروض إلى أن يكونوا حذرين للغاية لأن هناك المحتالين في كل مكان. منذ بضعة أشهر كنت متوترة من الناحية المالية ، وبسبب يأس بلدي ، خدعني العديد من المقرضين عبر الإنترنت. كنت قد فقدت الأمل تقريباً حتى أحضرني صديق لي إلى مقرض موثوق به جداً اسمه المطران إيليا الذي أقرضني قرضاً بمبلغ 700،000 دولار تحت 72 ساعة دون أي ضغط. إذا كنت في حاجة إلى أي نوع من القروض فقط اتصل به الآن عبر: (bishopelijahloanfirm002@hotmail.com) أو WhatsApp: +2349035555247 أستخدم هذا الوسيط لتنبيه جميع طالبي القروض بسبب الجحيم الذي مررت به في أيدي تلك المقرضين الاحتيالية. ولا أريد حتى عدوي أن يمر عبر مثل هذا الجحيم الذي مررت به في أيدي هؤلاء المقرضين المحتالين عبر الإنترنت ، وسوف أطلب منك أيضًا مساعدتي في تمرير هذه المعلومات إلى الآخرين الذين هم أيضًا بحاجة إلى قرض بمجرد استلمت قرضك من المطران إيليا ، أدعو الله أن يمنحه حياة طويلة.

    رضي الله عنه إلى الأبد.

    أنا فيجاس

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  228. Mohammed Responder

    مرحباً بالجميع ، أنا شخصياً لأشهد كيف حصلت على قرضي من Armani_investors بعد أن ينكرني العديد من المقرضين المزيفين فرصة الحصول على قرض هنا في هذا المنتدى. ساعدني السيد ديفيدسون وعائلتي بقرض قدره 50000 دولار أمريكي. بعد خسارة 1000USD إلى المحتالين. لقد أكد لي السيد ديفيدسون أنه سيساعدني ، في البداية أرفض التصديق حتى يفي بوعده. إذا كنت بحاجة إلى قرض حقيقي عاجل كما ترغب ، اتصل بأرماني من خلال بريدك الإلكتروني armani_investors2009@hotmail.com

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