Tuesday, March 13, 2012

The Law of Marriage and Divorce in the United Arab Emirates


Background

The United Arab Emirates (UAE) is a federation formed from tribally organized seven sheikhdoms, or emirates, along the southern coast of the Persian Gulf and the northwestern coast of the Gulf of Oman, they include: Abu Dhabi, Ajman, Dubai, Fujairah, Ras Al Khaima, Shrjah and Umm Al Quwain. That region was designated as ‘protectorate’ under the British Empire. In 1968, the British government announced its decision to grant independence to the seven sheikhdoms, together with Bahrain and Qatar. The rulers of the nine territories attempted to form a union of Arab emirates, but were unable to agree on terms of the union. Bahrain became independent in August, 1971 and Qatar in September of that year; the rest of seven sheikhdoms became fully independent on December 1, 1971. On December 2 of that year, six of them entered into a union called the United Arab Emirates (UAE). The seventh, Ras al-Khaimah, joined in early 1972. The emirates formed the Federal Supreme Council (FSC), the highest constitutional authority in the UAE and the highest legislative and executive authority. It is also the council that draws up the general policies and approves the various federal legislations. Sheikh Zayed bin Sultan al Nahyan, ruler of Abu Dhabi, was elected by the Federal Supreme Council as President of UAE, Sheikh Rashid bin Said al Maktoum of Dubai, became Prime Minister.

In 2004, the President died, his eldest son and Crown Prince, Khalifa bin Zayed Al Nahyan, succeeded him as Ruler of Abu Dhabi and President of the UAE. In January 2006, Sheikh Maktoum bin Rashid Al Maktoum passed away and was succeeded by his brother, Sheikh Mohammed bin Rashid Al Maktoum.


Under the constitution of 1971, each of the seven emirates has its own ruler; and each, reserves considerable powers, including control over mineral rights, mainly oil and gas, and revenues. In the years following their independence, federal power developed gradually by constitutional means. The constitution established the positions of President and Vice President, each serving five-year terms; a Council of Ministers, led by a Prime Minister, a supreme council of rulers; and a forty-member Federal National Council (FNC).



The Judicial System in UAE

UAE law is based on Islamic legal principles and influenced by English common law and Egyptian legal traditions. The UAE Constitution permits each emirate to structure its own judicial branch of government. As a result, there are federal as well as local courts. Except for Dubai and Ras Al Khaimah--who maintain their own judicial systems--the other five emirates have joined the federal system. Although the legal procedures and laws applicable to courts in the individual emirates are fairly similar, there are differences, particularly where a special law has been enacted and applied in a specific emirate.


Article 7 of the constitution states that Islamic sharia (law) shall be the main source of legislation in the UAE. Article 94 guarantees the independence of the judicial branch under the Supreme Court of the Union. Judges are appointed by the president and their decisions are also subject to review by the Federal Supreme Council (FSC). The Supreme Court is vested with the power of judicial review and original jurisdiction over federal-emirate and inter-emirate disputes. The constitution also provides for the establishment of union courts of First Instance to adjudicate civil, commercial, criminal, and administrative cases. Judgments of these courts can be appealed to the Court of Appeals, then to the Court of Cassation (Supreme Court).


Sharia courts work alongside the civil and criminal courts in the UAE. Their primary function is confined to civil matters between Muslims and have exclusive jurisdiction to hear matrimonial cases. The jurisdiction of the sharia courts was expanded in certain emirates such as Abu Dhabi to include serious criminal cases, labor and other commercial matters. Dubai also added the Dubai Court of Cassation.



Personal Status Law (PSL) in UAE

In 2005, the UAE enacted Federal Law No. 28 (hereinafter, Law) to govern matrimonial issues in what is called Matters of Personal Status or Personal Status Law (PSL). The provisions of the Law apply to all emirates and cover rules over marriage, divorce, guardianship, maintenance (Arabic nafaqa) and inheritance. Article 1 makes the Law applicable to all Muslim citizens of UAE, to non-Muslim citizens who “have no special laws specific to their own sect or ‘millah’ (denomination) and to non-citizens if they do not want to apply their own laws.


Article 2 of the Law states that the provisions of the law are based on Islamic “fiqh” (jurisprudence), and if no ruling exists in Islamic jurisprudence, a determination will be made in accordance with the “prevailing opinion in the Sunni Schools in the following ranking: Maliki, Hanbali, Shafi’i, and Hanafi followed by “general principles of the Islamic sharia and social justice.”


Marriage in the UAE must be registered and married couples are required to pass health examination. Article 49 requires two mature, rational, and witnessed by two Muslim male witnesses for the validity of the marriage between two Muslim couples, although Christian and Jewish witnesses are acceptable if one of the couple is Jew or Christian. The Law does not allow a Muslim man to marry a woman who is not Muslim, Jew, or Chrsitian (Art. 48). The same article prohibits Muslim women from marrying non-Muslim men.


Article 39 requires that the marriage of a woman over eighteen must be approved by a male guardian, otherwise, the marriage will be considered “null” and the couple will be separated. Article 21 requires the husband to be (kafu’an) or suitable in social and economic terms to the wife at the marriage; it allows a woman or her guardian to “request an annulment when suitability is lacking.” Article 21 also gives a judge, the right to disallow marriages in which the groom is “double or more” the age of the bride.


The Law requires the husband to offer “mahr” to the wife, which become her own property. The “mahr”, which is a major element in Islamic marriage contract, can be paid up front (muqaddam) or deferred (mu’akhar). According to Article 116, women who have not received their “mahr” (dowry) before the intercourse (ghayr al-dukhuli biha), as required by the contract, can have their marriage annulled by judicial order. The Law allows the couple to include legitimate stipulations written into the registered marital contract. Such stipulations may be considered bases for annulment or divorce.


The Law defines marriage as a “contract that permits enjoyment (sexual) by the spouses of each other legally.” (Art. 19), whose purpose is to “strengthen and raise a stable family under the guidance (ri’ayat) of the husband, on the basis that it guarantees for both of them the ability to fulfill its charge of affection and compassion.” Article 56 commands that a husband has the right to obedience from his wife “in accordance with custom.” Article 63 states that the husband provides maintenance to his wife, which includes food, clothing, medical treatment, and services. A wife may lose her maintenance if she does not sleep with her husband, or refuses to move to the marital home, or leaves the home, or prevents her husband from entering the marital home, or refuses to travel with her husband, all without legitimate excuses (Art. 71). The law defines family structure in patriarchal terms under the guardianship of the husband with the wife obedient to him, taking care of the home and raising his children.


Adultery is illegal in the UAE. In 2005, a sharia court in the emirate of Ras al-Khaimah sentenced a female domestic worker to 150 lashes for becoming pregnant outside marriage. The UAE has not ratified the United Nations Convention against Torture and Other Cruel, Inhumane, or Degrading Treatment or Punishment (UN Convention against Torture).


The law permits a man to have as many as four wives at one time. He has the right to divorce his wife or wives, any time at his own will, without a judicial interference. Women by contrast, must obtain their divorce through a judicial order. In order for a woman to obtain a judicial divorce, she must prove that her husband has inflicted physical or moral harm upon her, has abandoned her for at least three months, or has not maintained ‘nafaqa’ and other financial benefits for her and for their children. Before such a divorce is obtained from the court, women are required by the federal law to go through “guidance” and “arbitration” in all the emirates. Articles 98 and 117 require the Committee of Family Guidance, followed by judge if the committee fails to reconcile the “dissent”. If the judge was unable to find a reconciliation, he will then appoint two other arbitrators for investigation and reconciliation within a period of ninety days, although the time “can be extended by court order,” as stated by Articles 118 and 119.  The court has authority to appoint a third arbitrators if the previous ones could not reach a unanimous decision. After all these procedures have been consumed, the law places more obstacles before women seeking divorce on the basis of being harmed.


The Law states the situations in which a woman can obtain divorce without demonstrating harm. Article 100 allows a wife to seek divorce if the husband granted her power of attorney to divorce herself. Such permission is usually stated in the marriage contract, or granted by the husband to his wife at a later time during the marriage.


Article 110 allows a married woman to seek judicial divorce through khul’. This means that she relinquishes her right to the mahr. The khul’ process requires husband’s consent to the divorce; without his consent the court will not issue a divorce. Additionally, the husband has to be compensated financially before he agrees to the dissolution of the marriage sought by his wife. The law gives divorced fathers custody of female children above the age of 13 and male children above the age of 11.


It is important to note that a non-Muslim woman married to a Muslim man loses custody of her children in case of divorce when they reach the age of five, unless the judge rules otherwise, (Art. 145).



Recognition of UAE divorce in USA

A divorce obtained in the UAE without service of notice to the absent defendant is considered void and not recognized by the U.S. courts. Under the principle of estoppel, many jurisdictions will prohibit the spouse who consented to the divorce from attacking it later.


A divorce decree obtained in the UAE generally is recognized in a state court in the United States on the basis of a doctrine called “comity”, provided that both parties to the divorce receive adequate notice, i.e. service of process and, generally, provided one of the parties was a domiciliary in the UAE at the time of the divorce. Under the doctrine of “comity”, a divorce obtained in the UAE under the circumstances described above receives “full faith and credit” in the United States. A full faith and credit may be given to an ex parte divorce (where one party to the divorce action is absent) decree, states usually consider the jurisdictional basis upon which the foreign decree is founded and may withhold recognition and enforcement if not satisfied regarding domicile in the foreign country. If neither party to a divorce obtained domiciliary in the foreign country, such a divorce will be considered invalid.


As Expert Consultant on Islamic divorce obtained from the Middle East, Central Asia and other Islamic nations, this author has been privileged to have been able to defend clients, successfully, by submitting legal opinions and affidavits in their support on issues related  to Islamic divorce to State and Federal Courts and to Immigration Boards. Some of these cases have been reported by major U.S. law journals.

Following is a landmark case at New York Supreme Court of Westchester County, in which this author submitted an affidavit on behalf of a client. The honorable Court agreed with our argument and granted the client recognition of a divorce decree obtained in Abu Dhabi, including custody of children and a mahr of $250,000. You may read the judgment of the Supreme Court on the following link:


DISCLAIMER: While every effort has been made to ensure the accuracy of this publication, it is not intended to provide legal advice as individual situations will differ and should be discussed with an expert and/or lawyer. For specific or legal advice on the information provided and related topics, please contact the author.

Gabriel Sawma is a lawyer with Middle East background, and a recognized authority on Islamic law of marriage, divorce and custody of children; Professor of Middle East Constitutional Law and Islamic law; Expert Consultant on Islamic divorce in US Courts and Canada; admitted to the Lebanese Bar Association; former Associate Member of the New York State Bar Association and the American Bar Association.

Prof. Sawma lectured at the American Academy of Matrimonial Lawyers (AAML) in New York State and wrote many affidavits to immigration authorities, Federal Courts, and family State Courts in connection with recognition of Islamic foreign divorces in the U.S. He also travelled to Saudi Arabia and the Arabian Gulf States, and wrote extensively on Islamic divorce in USA and abroad. Interviewed by:


Contact Information:
Tel. (609) 915-2237

Or visit our websites at the following links:

For more information on the author, please see this link:

73 comments:

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jack said...

What the law says about Muslim Marriage, Do the Muslim Matrimony sites follow them ??

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Mac said...

Even if the people involved have seen it on the horizon, divorce is always difficult. Regardless, divorce can create peace for individuals and even entire families when conflict within a marriage cannot be resolved. Once the decision is final, the ideal situation is to end things as smoothly and as quickly as possible.




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If the couple, or either of them, still insists on divorce, the papers will be forwarded to the court for the judge to study the case. The judge will discuss it with the couple and listen to witnesses. It could take a couple of sessions before the judge makes his decision. The couple need to attend all the proceedings.

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Shannon Smith said...



How I Got My Ex Husband Back...........

I am Shannon by name. Greetings to every one that is reading this testimony. I have been rejected by my husband after three(3) years of marriage just because another woman had a spell on him and he left me and the kid to suffer. one day when i was reading through the web, i saw a post on how this spell caster on this address Makospelltemple@yahoo.com , have help a woman to get back her husband and i gave him a reply to his address and he told me that a woman had a spell on my husband and he told me that he will help me and after 2 days that i will have my husband back. i believed him and today i am glad to let you all know that this spell caster have the power to bring lovers back. because i am now happy with my husband. Thanks for Dr.Mako. His email: Makospelltemple@yahoo.com OR. his phone number: +2348108737816.

Shannon Smith said...



How I Got My Ex Husband Back...........

I am Shannon by name. Greetings to every one that is reading this testimony. I have been rejected by my husband after three(3) years of marriage just because another woman had a spell on him and he left me and the kid to suffer. one day when i was reading through the web, i saw a post on how this spell caster on this address Makospelltemple@yahoo.com , have help a woman to get back her husband and i gave him a reply to his address and he told me that a woman had a spell on my husband and he told me that he will help me and after 2 days that i will have my husband back. i believed him and today i am glad to let you all know that this spell caster have the power to bring lovers back. because i am now happy with my husband. Thanks for Dr.Mako. His email: Makospelltemple@yahoo.com OR. his phone number: +2348108737816.

Shannon Smith said...

How I Got My Ex Husband Back...........

I am Shannon by name. Greetings to every one that is reading this testimony. I have been rejected by my husband after three(3) years of marriage just because another woman had a spell on him and he left me and the kid to suffer. one day when i was reading through the web, i saw a post on how this spell caster on this address Makospelltemple@yahoo.com , have help a woman to get back her husband and i gave him a reply to his address and he told me that a woman had a spell on my husband and he told me that he will help me and after 2 days that i will have my husband back. i believed him and today i am glad to let you all know that this spell caster have the power to bring lovers back. because i am now happy with my husband. Thanks for Dr.Mako. His email: Makospelltemple@yahoo.com OR. his phone number: +2348108737816.

Dr Purva Pius said...

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My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

BORROWERS APPLICATION DETAILS


1. Name Of Applicant in Full:……..
2. Telephone Numbers:……….
3. Address and Location:…….
4. Amount in request………..
5. Repayment Period:………..
6. Purpose Of Loan………….
7. country…………………
8. phone…………………..
9. occupation………………
10.age/sex…………………
11.Monthly Income…………..
12.Email……………..

Regards.
Managements
Email Kindly Contact: urgentloan22@gmail.com

Chizzy Peace said...

Hello to the people of this forum< Am chizzy from Texas and i can say that am the happiest person on earth since last week with what DR UKO has done for me , it all started last year October when my fiance left me in Texas and travel to see his parents in Ohio at first him was still calling me and show love even when him was away , but it gets to a point when he no longer gives a shit about me , and i noticed it so when i tried to confront him , he told me that he dose not love me again that he feel like being alone i was shocked and heartbroken when i tried talking he will hang the phone on me i was so heart broken and i was frustrated about this , but on a second thought i was not convince that he was on his right senses so i discuss this with my elder sister who lives in California and she directed me to DR UKO of ukospelltemple@yahoo.com saying that the man has helped her friend in such case before so i said to my self let me tried i contacted this man and explain everything to him and behold dr uko said to me what am to do and i did exactly what he and he said after three days my fiance will call me and once he calls me i should pick the calls and he gave some other instructions . so i said okay , but to my best surprise on the 7th of November my fiancee called me and started saying on the phone am sorry it was like a dream to me , with this i said i will tell the world of his dr UKO goodness in my life , so if any one is out there and needs help in his or her relationship can also contact him today via
email ukospelltemple@yahoo.com or whatsapp him on +2347064650019

SERENA WILLIAMS said...


Best and genuine spell caster online to save your marriage and relationship
save your marriage if it is heading for divorce now Hello everyone! Life without my lover was a real disaster for me,What on Earth will i do to thank Dr.Ewan for his help. Are you having a hard time searching for a way to get your ex partner back, look no further, this was how i got mine back you can get yours today. My husband and I have been through every top reason for divorce; financial struggles, bankruptcy, stressful jobs, becoming parents when we weren’t ready (neither one of us would give our kids back just the amount of stress is overwhelming) we fought ALL the time over anything and everything. I threatened divorce all the time. One day after a fight I said I was done and filling. He told me he wasn’t in love with me anymore. After a day or two of cooling off I realized that divorce is not what I wanted. No, our marriage was not healthy but we had so much going against us an neither one of us were trying. I begged for him to forgive me and that I didn’t mean it. He told me he loved me but wasn’t in love with me anymore. Those words hurt and I believed him.One day i was online for tutorials, as i was browsing i saw a review about a spell caster who could solve my problem, i have heard about spell casting, and magic, i said i should give it a try i contacted the spell caster his name is Dr Ewan of {covenantsolutiontemple@gmail.com}, i contacted him and he told me not to worry that all he had to do for me is a love spell, he did it and told me that i should give my husband 48 hours and that he would realize him self, i waited anxiously and one the second day of casting the spell, he came to me and told me he was sorry for the wrong he did to me, he has agreed to send me to school and we are happy. Thank you Dr Ewan you are the best. If you have any marital problem, winning of lottery and many other problems you can contact him on his email,{COVENANTSOLUTIONTEMPLE@GMAIL.COM} or call his mobile number +2347052958531, he is a good and kind man. Thanks. ELIZABETH STRONG you can also call or text me for questions or anything +17015667707. contact him Via whatsapp+2349057353987.

World News said...


Hello to the people of this forum< Am chizzy from Texas and i can say that am the happiest person on earth since last week with what DR UKO has done for me , it all started last year October when my fiance left me in Texas and travel to see his parents in Ohio at first him was still calling me and show love even when him was away , but it gets to a point when he no longer gives a shit about me , and i noticed it so when i tried to confront him , he told me that he dose not love me again that he feel like being alone i was shocked and heartbroken when i tried talking he will hang the phone on me i was so heart broken and i was frustrated about this , but on a second thought i was not convince that he was on his right senses so i discuss this with my elder sister who lives in California and she directed me to DR UKO of ukospelltemple@yahoo.com saying that the man has helped her friend in such case before so i said to my self let me tried i contacted this man and explain everything to him and behold dr uko said to me what am to do and i did exactly what he and he said after three days my fiance will call me and once he calls me i should pick the calls and he gave some other instructions . so i said okay , but to my best surprise on the 7th of November my fiancee called me and started saying on the phone am sorry it was like a dream to me , with this i said i will tell the world of his dr UKO goodness in my life , so if any one is out there and needs help in his or her relationship can also contact him today via

email ukospelltemple@yahoo.com or whatsapp him on ; +2347064650019


World News said...


ZIKA DISEASE

God bless Dr.UKO for his marvelous work in my life, I was diagnosed of ZIKA DISEASES since 2014 and I was taking my medications, I wasn't satisfied i needed to get the ZIKA out of my system, I searched about some possible cure for ZIKA DISEASES i saw a comment about Dr.UKO, how he cured ZIKA DISEASES with his herbal medicine, I contacted him and he guided me. I asked for solutions, he started the remedy for my health, he sent me the medicine through UPS SPEED POST. I took the medicine as prescribed by him and 7 days later i was cured from ZIKA DISEASES, Dr. UKO truly you are great, do you need his help also? Why don't you contact him through ukospelltemple@yahoo.com whatsapp him on

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9. BRING OF EX LOVER BACK TO LOVE YOU AGAIN

ukospelltemple@yahoo.com

Dr Purva Pius said...

Hello Everybody,
My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

BORROWERS APPLICATION DETAILS


1. Name Of Applicant in Full:……..
2. Telephone Numbers:……….
3. Address and Location:…….
4. Amount in request………..
5. Repayment Period:………..
6. Purpose Of Loan………….
7. country…………………
8. phone…………………..
9. occupation………………
10.age/sex…………………
11.Monthly Income…………..
12.Email……………..

Regards.
Managements
Email Kindly Contact: urgentloan22@gmail.com

Julie Derby said...


Best Africa Wazifa to Get Your Husband Love and Attention Back
My ex and me were together for a years and 4 months, we were very happy to be husband and wife, last month we went to Los Angeles and stayed with his family, after we got back he started acting distant, then he started hanging out with a girl, and kept sneaking off to go hangout with her, so i got upset, i could not endure, i tried to do everything to please him but it got worst, one day he left the house and never came back, i tried reaching him but no way i could reach him, because of the heart break he has put me into, i went into search of a real spell caster but I was scammed several times, but I never relented in my search because I want a happy life with my boyfriend, when i saw testimony about spell caster Dr Joy on the internet, so i contacted him and to my greatest surprise (((joylovespell@gmail.com))) restored my relationship, my boyfriend came back to me, i took him back and I am now settled with him by the magic power of Dr Joy spell Thanks Julie Derby From Usa Arizona

Dr Purva Pius said...

Hello Everybody,
My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

BORROWERS APPLICATION DETAILS


1. Name Of Applicant in Full:……..
2. Telephone Numbers:……….
3. Address and Location:…….
4. Amount in request………..
5. Repayment Period:………..
6. Purpose Of Loan………….
7. country…………………
8. phone…………………..
9. occupation………………
10.age/sex…………………
11.Monthly Income…………..
12.Email……………..

Regards.
Managements
Email Kindly Contact: urgentloan22@gmail.com

Carol Williams said...



WORLD BEST 2016 SPELL CASTER ONLINE PROPHET OYINBO

My name is CAROL WILLIAMS. Me and my boyfriend were together for 8 months & its been 6 months since we separated. I still love him, but some how feel its unfair. Why love someone who ovb doesnt love you back? Ive prayed & prayed for these months & nothing. He is still with his new girlfriend(whom he lives with) but it doesnt mean I have to look for help The first weeks after the break up I was in my knees praying looking for help, them i fine a comment online how a spell caster help to restored relationship get ex lover back, ” so i decided to give a try coz i love my boyfriend so much. so i contacted PROPHET OYINBO and told him all my problem and he gave me 100%guarantee that i will have my boyfriend back after the spell so i was gifted and lucky to have contacted him i did everything he asked of me and to my greatest surprise a day after the spell, my boyfriend called me and apologised for what he did to me and ask for my forgiveness to come back home for me, I got really hurt & go through those moments in which he left me, after all PROPHET OYINBO did for me, i forgave him and he came back home with more love and happiness all thanks to PROPHET OYINBO the real Africa spell caster so far google recommended this year.. So plz, if you need any help contact him too on this. You will see in conclusion you have to just trust the process, PROPHET OYINBO is a good real spell caster so call him up on +2348074066640 or email him on his email adress prophetoyinbojesus@gmail.com


Dr Purva Pius said...

Hello Everybody,
My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

BORROWERS APPLICATION DETAILS


1. Name Of Applicant in Full:……..
2. Telephone Numbers:……….
3. Address and Location:…….
4. Amount in request………..
5. Repayment Period:………..
6. Purpose Of Loan………….
7. country…………………
8. phone…………………..
9. occupation………………
10.age/sex…………………
11.Monthly Income…………..
12.Email……………..

Regards.
Managements
Email Kindly Contact: urgentloan22@gmail.com

Dr Purva Pius said...

Hello Everybody,
My name is Mrs Sharon Sim. I live in Singapore and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of S$250,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of S$250,000.00 SG. Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs Sharon, that refer you to him. contact Dr Purva Pius,via email:(urgentloan22@gmail.com) Thank you.

BORROWERS APPLICATION DETAILS


1. Name Of Applicant in Full:……..
2. Telephone Numbers:……….
3. Address and Location:…….
4. Amount in request………..
5. Repayment Period:………..
6. Purpose Of Loan………….
7. country…………………
8. phone…………………..
9. occupation………………
10.age/sex…………………
11.Monthly Income…………..
12.Email……………..

Regards.
Managements
Email Kindly Contact: urgentloan22@gmail.com

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can't go to the club coz of your age?
can't drive coz of your age?
lost all your documents and now you are facing difficulty
getting them back?
don't go to school but want qualifications?
want to run from bad guys?
need a new identification?
want to run from the cops?
need other documents to have a job?

It's a pity you had no idea we can help you but you can still change
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We deal and specialize in the production of registered documents like:
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Racoba Sly said...

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6. Prosperity spell
7. Protection spell
8. Get a job spell
9. Becoming a manager spell
10. Get a huge loan without paying any fee spell
11. Getting your scam money back
12. Child spell
13. Pregnancy spell
14. Freedom spell
15. Love spell
16, vanishing spell
17. Invisible human spell
18. Success or pass spell
19. Marriage spell
20.Lottery/lotto winning
THANKS

Mrs.Irene Query said...

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Carol Williams said...




WORLD BEST 2017 SPELL CASTER ONLINE PROPHET OYINBO

My name is CAROL WILLIAMS. Me and my boyfriend were together for 8 months &
its been 6 months since we separated. I still love him, but some how feel
its unfair. Why love someone who ovb doesnt love you back? Ive prayed &
prayed for these months & nothing. He is still with his new girlfriend(whom
he lives with) but it doesnt mean I have to look for help The first weeks
after the break up I was in my knees praying looking for help, them i fine
a comment online how a spell caster help to restored relationship get ex
lover back, ” so i decided to give a try coz i love my boyfriend so much.
so i contacted PROPHET OYINBO and told him all my problem and he gave me
100%guarantee that i will have my boyfriend back after the spell so i was
gifted and lucky to have contacted him i did everything he asked of me and
to my greatest surprise a day after the spell, my boyfriend called me and
apologised for what he did to me and ask for my forgiveness to come back
home for me, I got really hurt & go through those moments in which he left
me, after all PROPHET OYINBO did for me, i forgave him and he came back
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Barry scout said...

I hope this helps a lot of Woman and Men out there.
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Osman raheem said...

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LOAN APPLICATION INFORMATION FORM
First name......
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5) Country:.........
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7) Mobile Number:.........
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11)Which site did you here about us.....................
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Ruth Moore said...



My name is Ruth Moore , Am from UK,i never believe there will ever be a solution to my relationship problem with my lover. my lover called smith Moore threw me out of his house and brought in another lady who he now feels the only best for him. until one day i receive a phone call from a friend in the city that my man is going out on a date with another woman in town, i told her i am also surprise too, because since smith Moore has left me he hardly think nor call me. so after some few days my friend called Martha called me and told me that she has found a man that is very powerful, and he is a great herbalist from Africa, truly we all knows that Africans are blessed with so much herbal voodoo powers which they use to help much people, so he told me that the man name is prophet oyinbo , that she will forward his email address for me so that i can contact him for help, so truly she sent me prophet oyinbo email address and i contacted him that faithful day. he mailed me after a great while that my man will be back to me if only i believe on his work,so after 25hrs i receive a phone call from smith Moore, and he started begging that i should please forgive him against all he had done to me.. he begged me of breaking my heart and letting the other lady a new heart. he promise me never to let go. now i and Smith Moore are now planning to get married as soon as possible. we are brought back with the great powerful love spell and blinded with prophet oyinbo spell, we are happy and glad. so i thank you sir for the great help you offer to me, because i think today this might be the only ways and means i can ever thank you of your work.. i am glad. you can contact him for a love spell today at: prophetoyinbojesus@gmail.com

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Carol Williams said...





WORLD BEST 2017 SPELL CASTER ONLINE PROPHET OYINBO

My name is CAROL WILLIAMS. Me and my boyfriend were together for 8 months & its been 6 months since we separated. I still love him, but some how feel its unfair. Why love someone who ovb doesnt love you back? Ive prayed & prayed for these months & nothing. He is still with his new girlfriend(whom he lives with) but it doesnt mean I have to look for help The first weeks after the break up I was in my knees praying looking for help, them i fine a comment online how a spell caster help to restored relationship get ex lover back, ” so i decided to give a try coz i love my boyfriend so much. so i contacted PROPHET OYINBO and told him all my problem and he gave me 100%guarantee that i will have my boyfriend back after the spell so i was gifted and lucky to have contacted him i did everything he asked of me and to my greatest surprise a day after the spell, my boyfriend called me and apologised for what he did to me and ask for my forgiveness to come back home for me, I got really hurt & go through those moments in which he left me, after all PROPHET OYINBO did for me, i forgave him and he came back home with more love and happiness all thanks to PROPHET OYINBO the real Africa spell caster so far google recommended this year.. So plz, if you need any help contact him too on this. You will see in conclusion you have to just trust the process, PROPHET OYINBO is a good real spell caster so call him up on +2348074066640 or email him on his email adress prophetoyinbojesus@gmail.com

Mrs CYNTHIA CORVIN said...


My name is.Mrs.Juliet Quin. I live in Canada and i am a happy woman today? and i told my self that any lender that rescue my family from our poor situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of $ 73,000.00 to start my life all over as i am a single mother with 3 kids I met this honest and GOD fearing man loan lender that help me with a loan of $ 73,000.00 Canada Dollar, he is a GOD fearing man, if you are in need of loan and you will pay back the loan please contact him tell him that is Mrs.Juliet Quin that refer you to him. Contact Dr Purva Pius via email: reply to email {urgentloan22@gmail.com}

Ruth Moore said...



My name is Ruth Moore , Am from UK,i never believe there will ever be a solution to my relationship problem with my lover. my lover called smith Moore threw me out of his house and brought in another lady who he now feels the only best for him. until one day i receive a phone call from a friend in the city that my man is going out on a date with another woman in town, i told her i am also surprise too, because since smith Moore has left me he hardly think nor call me. so after some few days my friend called Martha called me and told me that she has found a man that is very powerful, and he is a great herbalist from Africa, truly we all knows that Africans are blessed with so much herbal voodoo powers which they use to help much people, so he told me that the man name is prophet oyinbo , that she will forward his email address for me so that i can contact him for help, so truly she sent me prophet oyinbo email address and i contacted him that faithful day. he mailed me after a great while that my man will be back to me if only i believe on his work,so after 25hrs i receive a phone call from smith Moore, and he started begging that i should please forgive him against all he had done to me.. he begged me of breaking my heart and letting the other lady a new heart. he promise me never to let go. now i and Smith Moore are now planning to get married as soon as possible. we are brought back with the great powerful love spell and blinded with prophet oyinbo spell, we are happy and glad. so i thank you sir for the great help you offer to me, because i think today this might be the only ways and means i can ever thank you of your work.. i am glad. you can contact him for a love spell today at: prophetoyinbojesus@gmail.com or you can call him at +2348074066640


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Felisha Smith said...

Hi to everyone on this site. I'm new here and I would love to share my experience to every mother and to those who wished to be a mother someday. I have been in marriage for 13 yrs with no child of my own and my husband loved me so much that he never do things without me. We do almost everything together and that made my marriage so romantic and interesting for me but i have always worried about having my own kids even if it's just one. My husband never seem to be worried or talked about it and it bothered me so much. I am really short of words of what happened later but i will try to put it in a short note because it's my greatest joy on earth. Few years back my husband fell into the hand of a gold digger who tried to take him away from me. This lady manipulated my husband and he took her side and left home to stay with her for almost a year i was alone crying day by day waiting for him to call me and come back home until it got so bad that I couldn't bear it anymore and i was about giving up on him because of these online Fake spell casters and Scams who rip off my money. This is certainly a shocking and genuine living Testimony of mine and it does goes on right now in my life. I came across some suggestions and i was convinced to work with this man after i expressed what i have been passing through to DR MUNA. He told me what i needed to know and requested for an ancient items he needed to work for me I cant get those items myself and i sent him some money for him to help me and hoping this is another Scam. But when DR MUNA called me and told me he is done with my work. My husband came back home with a surprised apology gift. I had him back and right till this moment we have loved each other again more and more and i am 6 months pregnant and i will be having my third child soon. This is an extraordinary blessing and to all soon to be a mother I am telling you nothing but my true life story and here his email ID marvelspelltemple@gmail.com Whatsapp contact +2348071660388

Felisha Smith said...

I have been in marriage for 13 yrs with no child of my own and my husband loved me so much that he never do things without me. We do almost everything together and that made my marriage so romantic and interesting for me but i have always worried about having my own kids even if it's just one. My husband never seem to be worried or talked about it and it bothered me so much. I am really short of words of what happened later but i will try to put it in a short note because it's my greatest joy on earth. Few years back my husband fell into the hand of a gold digger who tried to take him away from me. This lady manipulated my husband and he took her side and left home to stay with her for almost a year i was alone crying day by day waiting for him to call me and come back home until it got so bad that I couldn't bear it anymore and i was about giving up on him because of these online Fake spell casters and Scams who rip off my money. This is certainly a shocking and genuine living Testimony of mine and it does goes on right now in my life. I came across some suggestions and i was convinced to work with this man after i expressed what i have been passing through to DR MUNA. He told me what i needed to know and requested for an ancient items he needed to work for me I cant get those items myself and i sent him some money for him to help me and hoping this is another Scam. But when DR MUNA called me and told me he is done with my work. My husband came back home with a surprised apology gift. I had him back and right till this moment we have loved each other again more and more and i am 6 months pregnant and i will be having my third child soon. This is an extraordinary blessing and to all soon to be a mother I am telling you nothing but my true life story and here his email ID marvelspelltemple@gmail.com Whatsapp contact +2348071660388

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Silvia Soulez said...

Hi everyone,
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My boyfriend of a 4yr just broke up with me and am 30 weeks pregnant.I have cried my self to sleep most of the nights and don’t seem to concentrate during lectures sometimes I stay awake almost all night thinking about him and start to cry all over again.Because of this I end up not having energy for my next day’s classes ,my attendance has dropped and am always in uni and on time.Generally he is a very nice guy ,he ended it because he said we were arguing a lot and not getting along.He is right we’ve been arguing during the pregnancy a lot .After the break up I kept ringing him and telling him I will change.I am in love with this guy and he is the best guy I have ever been with.I’m still hurt and in disbelief when he said he didn’t have any romantic feelings towards me anymore that hurt me faster than a lethal syringe.He texts me now and then mainly to check up on how am doing with the pregnancy,he is supportive with it but it’s not fair on me, him texting me as I just want to grieve the pain and not have any stress due to the pregnancy.i was really upset and i needed help, so i searched for help online and I came across a website that suggested that Dr.Goodluck can help solve marital problems, restore broken relationships and so on. So, I felt I should give him a try. I contacted him and he told me what to do and i did it then he did a spell for me. 17 hours later, my bf came to me and apologized for the wrongs he did and promise never to do it again. Ever since then, everything has returned back to normal. I and my bf are living together happily again.. All thanks to Dr.Goodluck. If you have any problem contact Dr.Goodluck now and i guarantee you that he will help you.Email him at: goodluck05spellcaster@gmail.com
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Harry Jams said...



A big thanks to DR.oyinbo, who brought back my ex girlfriend. My name is Harry Jams, from UK. Last year, August 26th 2016, I proposed to my ex girlfriend and she agreed to marry me then we both planned for the wedding. Our wedding was to hold on September 30th. We had a little misunderstanding and she left me for another guy. I almost committed suicide; I never knew there was hope for me, a friend of mine would always advise me to be hopeful and that one day she will come back to me, Some times I will go to her house to beg her to come back to me because she really means a lot to me and I love her so much and she will ask me to leave her alone and I should never come to her house again. I found it really hard to fall in love with another girl, months passes by and I was waiting patiently for her to come back to me but in my heart I was still going through hell, there was a big hole in my heart.One morning I received a call from my friend and he told me to come to his house immediately, I quickly put on my clothes and ran to his house because I felt he was in trouble, when I got to he’s house, I met him on his computer system and I ask him what is the problem was, he said when he was browsing through the internet, he came across some testimonies on how a spell caster brought someone’s ex husband back. I was angry with him because he frightened me and now he’s telling about spell caster. I told him to forget about the matter because I never believed in spell casters, he asked me if I really want my ex girlfriend to come back to me and I said yes so he said I should give it a try because if you really need something that is very important to your life, then you go for it. I agreed to what he said and I took the spell casters email address and I emailed him, few minutes later he replied me and asked what can he do for me so I told him what I wanted and he asked me to do what ever he asked of me which I did. He told me not to worry that my ex girlfriend will come back crawling on her kneels asking for forgiveness as soon as he cast the spell so he cast the spell and the following day my ex girlfriend came back to me, right now I and my girlfriend are happy. This is the reason I decided to put it in writing so that anybody that is hopeless will find the reason to be hopeful. If you are in the same situation, DR.oyinbo is the right spell caster that will solve your problem . You can email him on: prophetpyinbojesus@gmail.com or you can call him at +2348074066640

Jacques Shelly said...

This is quite an interesting post and I got to learn some good stuff about marriage laws in Dubai. If you are in Dubai, you might be interested in Translation Company in Dubai for any kind of legal or other translation services.

Carol Williams said...


WORLD BEST 2017 SPELL CASTER ONLINE PROPHET OYINBO

My name is CAROL WILLIAMS. Me and my boyfriend were together for 8 months & its been 6 months since we separated. I still love him, but some how feel its unfair. Why love someone who ovb doesnt love you back? Ive prayed & prayed for these months & nothing. He is still with his new girlfriend(whom he lives with) but it doesnt mean I have to look for help The first weeks after the break up I was in my knees praying looking for help, them i fine a comment online how a spell caster help to restored relationship get ex lover back, ” so i decided to give a try coz i love my boyfriend so much. so i contacted PROPHET OYINBO and told him all my problem and he gave me 100%guarantee that i will have my boyfriend back after the spell so i was gifted and lucky to have contacted him i did everything he asked of me and to my greatest surprise a day after the spell, my boyfriend called me and apologised for what he did to me and ask for my forgiveness to come back home for me, I got really hurt & go through those moments in which he left me, after all PROPHET OYINBO did for me, i forgave him and he came back home with more love and happiness all thanks to PROPHET OYINBO the real Africa spell caster so far google recommended this year.. So plz, if you need any help contact him too on this. You will see in conclusion you have to just trust the process, PROPHET OYINBO is a good real spell caster so call him up on +2348074066640 or email him on his email adress prophetoyinbojesus@gmail.com or you can call him at +2348074066640

Jessica F said...


I was in total despair when I found Dr. Todd. My life was going terrible and I didn't know if I was coming or going. I had just gone through a rough divorce, wasn't making enough money to sustain me and my children, and my 17 year old son had just gone to jail for the first time. When I talked to him, I immediately found a sense of peace. He was very honest with me and I could feel that. He also told me that everything would be okay. After my work began, things began to change. My bills were all caught up, the relationship I was in became much stronger, I was never FLAT broke, and my son was released from jail earlier than we expected!! I also completely got over the failed marriage and began to move on. And, received a better position at my job which will cause an $800 per month increase!! I felt completely comfortable with the work that was being done because I was always encouraged by Dr. Todd. manifestspellcast@gmail.com is the BEST!!!!

Glenda Pierce said...

Get Your Ex Lover Back With Powerful and Genuine Love Spells Caster;Email; efepowerfultemple@gmail.com 100% GUARANTEED RESULTS! Hello,I'm from Switzerland i want to thank Prophet Efe for what he has done in my life,After my lover left me for over 4years without no notice i was so frustrated and confused i never knew what to do until i got in contact with my best friend in UK called Melody, After she told me the great work of prophet Efe how people talk good about him on radio stations and Internet so she gave me the contact email (efepowerfultemple@gmail.com ) so I contact Prophet Efe, and told him how my lover left me for over 4years,He told me just to be happy that i will have him back to my arms within 48hours,i was like is this real,So mean while i had fate in Prophet Efe that he would bring back my lover,Really before the 48hours i got a call from a man who has left me for over 4years begging me for forgiveness,Which i did and he bought me a nice car, And now we are together and he love's me more than anything on this earth and can't do with seeing me a day am so happy and am bringing this great news to the people of Switzerland And all over the world, That there is a man who can bring back happiness to us in our marriage, am happy today with the one i love. Prophet Efe also heal any kind of diseases or sickness. Again his email is efepowerfultemple@gmail.com or call +2347081602438 .Thanks once again Prophet Efe for making me a happy woman again