15th Jun 2016
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Centrelink gifting rules for Age Pensions
 Centrelink assessment of gifts

Anne would like to know if a gift of $10,000 will affect the Age Pension of the recipient and whether there is a limit to how much you can receive.  

Q. Anne
If $10,000 was given to an age pensioner as a gift from family, would this be penalised by Centrelink? Also could a husband and wife both be given a cash gift or only one?

A. No one-off gift will be assessed by Centrelink as income, regardless of the amount but it must be reasonably predicted that it will not be repeated. For example, if you were to receive a sum of money every year or two, then in all likelihood, this would not be considered a gift and as such would be subject to the income test.

Any gift given must be declared to Centrelink by the person in receipt and by the person gifting if they are also in receipt of a benefit payment. Both members of a couple can receive a monetary gift, but it will need to be declared.

Whilst being able to gift a sum of money may be a very kind thing to do, the person receiving, if they are on an Age Pension or other assessable payment, needs to be very clear that what they do with the money may affect their payment.

Simply holding on to the money and using it for every day expenses, your home, pay it into your mortgage or pay off other debt, or purchase medical equipment is fine.

If you use the gifted money to purchase a financial asset such as shares or place it in an interest-bearing account, then a notional rate of income will be determined by applying the associated deeming rate. This could mean that if you exceed the income threshold for a full Age Pension, then your payment will be reduced by 50 cents for every dollar over this amount.

For those under the Age Pension age, the money can be deposited into your superannuation fund without assessment.

Should the money be used to purchase a non-financial asset, such as a car, boat artwork etc., then the value of these assets will be assessed under the asset test. Currently, your payment will be reduced by $1.50 for every $1000 over the threshold that applies to your situation, but this taper rate will increase to $3 for every $1000 on 1 January 2017.

And if you decide to do someone else a good turn by gifting a portion of your lump sum, then you should note that Centrelink gifting rules will apply. Under these rules, you can only gift $10,000 each financial year but no more than $30,000 over a period of five years. If you exceed these limits, then under Centrelink’s gifting rules, you will be deemed to have deprived yourself of assets. Any amount gifted above these limits will continue to be assessed for the five-year period and could result in your pension payment being reduced.

If you’re unsure about how such a gift will affect your Age Pension, you should discuss your individual circumstances with Human Services by calling 13 2300. You can find out more at HumanServices.gov.au

Related articles
Gifting: how will it affect my Age pension?
Insurance payments and gifting





    COMMENTS

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    particolor
    5th Oct 2015
    10:20am
    I don't ask them if they won 2 Bob in the Lottery, so they needn't bother asking Me ! :-( :-(
    ElainePope
    9th Nov 2017
    7:45am
    Hi, I would like to share my experience with you guys on how I got a loan to pay the duty tax of my bank draft and to start up a new business. I was at the verge of loosing all my belongings due to the bank draft I took to offset some bills and some personal needs. I became so desperate and began to seek for funds at all means. Luckily for me I heard a colleague of mine talking about this company, I got interested. Although I was scared of being scammed, I was compelled by my situation and then I began to look online and ran into their email at: r_nelsonfinanceltd@yahoo.com where I was given a loan within 72hrs without knowing what it feels like to be scammed. So I promised myself that I was going to make this known to as many that are in financial stress to contact them and not fall victim of online scam in the name of getting a loan.
    particolor
    9th Nov 2017
    6:01pm
    Thanks very much for that ! :-) :-) others may read it, but I'm in no POO Personally ! :-) :-) Never Borrow now, Haven't for Yonks, They want it back and I hate that !! :-) :-)
    I just spent 44 Minutes getting Stinky (Un asked for Virus's out of my Computer) It was FREE which is my favourite FEE !! Zone Alarm is Good :-) :-) :-)
    BYE NOW !! :-) :-)
    Mez
    5th Oct 2015
    12:06pm
    All the more reason to remain anonymous and not tell a soul if one won lotto or a lottery.
    I had won a car but had to be assessed as an assett and likewise with my inheritance money which I transferred into super.
    particolor
    5th Oct 2015
    12:10pm
    :-) If You win the Lottery and tell them, they Won it Not You !! :-( :-(
    jackie
    5th Oct 2015
    1:44pm
    If I won the Lottery I wouldn't bother with a pension
    Sceptic
    5th Oct 2015
    4:36pm
    I hope you enjoy paying the large fine for fraud, or your time in prison. I cannot understand how there are so many basically dishonest people who think that it is okay to steal from the Government (taxpayers).
    particolor
    5th Oct 2015
    4:46pm
    And I didn't say I wouldn't Quit the Pension either ! Just wouldn't tell them Why ! They don't tell Me anything !! :-)
    BJ
    21st Jun 2016
    11:43am
    hey Sceptic its not ok to steal from the government equally its not ok for the government to steal from us
    Blossom
    15th Nov 2016
    6:08pm
    From what I have read in the Terms and Conditions they have to notify Govt. authorities if you win a prize over a certain value.
    particolor
    15th Nov 2016
    8:16pm
    A friend of mine here on a Disability Pension ( He was Legit ) won 6 Grand on Power Ball and didn't tell them ! He didn't know he had to, They found out somehow ? and He was in all sorts of Manooower !! :-(
    Radish
    28th Dec 2016
    10:00pm
    You will eventually be found out. All government computers are linked these days...would not be worth the aggro to not tell them.

    How do you know that the lotto people do not send a list of winners to the Tax Department or Centrelink???
    particolor
    9th Nov 2017
    6:13pm
    Radish .. Well I don't know how they knew ? But I was standing at the Letter Box with him when he got the Letter from Big Brother. He asked me what it meant And I told him he will need a Toilet Roll !! and go straight down to Centrefold !! :-) :-)
    Fran
    5th Oct 2015
    12:19pm
    Your reply to Anne's questions are a little ambiguous, No?
    First Line 'no one-off gift will be assessed by Centrelink as income, regardless of the amount.'

    Then 'Both members of a couple can receive a monetary gift, but it will need to be declared.' ???

    I would think it the wiser decision (from your reply above) for a one-off monetary gift to one or both be kept as cash to use as a backup for living costs and not purchase anything that could be classified as an asset.
    Sceptic
    5th Oct 2015
    4:34pm
    Cash is an asset assessable Fran
    Nan Norma
    15th Nov 2016
    8:42pm
    Sceptic, not if nobody knows you have it??????
    Radish
    28th Dec 2016
    10:01pm
    If a politician did not declare an asset everyone on here would be onto him like a ton of bricks...there is no difference to a pensioner not telling Centrelink.

    It is still dishonest.
    Chris B T
    5th Oct 2015
    1:24pm
    The Big Brother SITUATION nearly all monies travel through Financal Instutions matched to your Tax File No or CRN No to which Centerlink has the ability to Check.
    Unless a cash gift, I don't see how Centerlink would not find out at some stage.
    That's if you receive a payment or benifet from Centerlink.
    particolor
    5th Oct 2015
    1:45pm
    I told them I lost it all on the Greyhounds !! :-)
    Anonymous
    21st Jun 2016
    3:33pm
    I prefer to lose mine on the Trotts
    Culgoa
    5th Oct 2015
    1:43pm
    Pointless trying to phone Centrelink - wait time is at least 40 minutes.
    particolor
    5th Oct 2015
    1:46pm
    That's so You Don't Ring Up and Complain !! :-)
    niemakawa
    21st Jun 2016
    11:47am
    They have a call-back service ( or used to have) so you can sit back and enjoy a cup of coffee/tea and wait for a return call.
    missmarple
    21st Jun 2016
    3:45pm
    HA HA HA wait for a return call? how long ??
    cant win
    5th Oct 2015
    1:56pm
    I fail to see how a car is classified as an asset unless you sell it, for petes sake you cant go to buy groceries & pay with the car. cant win
    Sceptic
    5th Oct 2015
    4:37pm
    Perhaps you need to be educated in what exactly is an asset.
    niemakawa
    21st Jun 2016
    11:50am
    It is only a matter of time before regular house calls will be made by the Government Stasi. All for the good of our health I am sure.!!!
    Radish
    28th Dec 2016
    10:03pm
    An asset is anything that can be converted into cash.

    A car, furniture, paintings etc are ALL assets.
    FrankC
    5th Oct 2015
    2:01pm
    No one off gift will be assessed as income. BUT what do you do with a cheque for $10K, no point in putting that under the mattress, it would have to go into a bank account. Unless you have a son or daughter to open an account in their name and deposit said sum there for you to draw on when needed as suggested by Fran. But as Chris B T said, Centrelink aka Big Brother ,will find out. I have about $37/month (pension) from NZ, who informed C'link, who now extract said amount from my pension, mustn't have too much !! Why don't they just tell NZ don't bother, he is not going to get it anyway!! Greedy bastards.
    particolor
    5th Oct 2015
    2:08pm
    Why Stop there ?? Greedy Greedy Bastards !! :-) :-)
    musicveg
    5th Oct 2015
    2:36pm
    What you can't have an extra $37 a month? How unfair, it's not like you can do a lot with it, that is only $9.25 a week not even enough to buy lunch!
    missmarple
    21st Jun 2016
    3:52pm
    I was always under the impression on new start you could earn $62.00 per fortnight and aged pensioners could earn $127.00 per fortnight before your monies are cut down, so how come you can't get $37.00 per month FrankC
    Alexia_x
    5th Oct 2015
    3:57pm
    Why on earth should anyone tell Centrelink of any gift they receive? Isn't that part of one's private life and of none's concern but their own?
    Why should any organization have to know of any small gifts anyone gets? If it was millions or any great, big sum I would understand, but something small (these days 10.000 is small) is really a private matter and what it will get a person will be taxed anyway!
    What happens to those fortunate souls that win the Lotto?
    particolor
    5th Oct 2015
    4:29pm
    With a Big Win and You had any sort of Honesty You would Quit the Pension anyhow !! And I still wouldn't tell the Clowns ! That's My Business not theirs !! :-)
    Radish
    28th Dec 2016
    10:05pm
    I know of a pensioner who won a few million in Lotto and the first thing she said was "will I lose the pension"

    Unbelievable!!!
    Alexia_x
    5th Oct 2015
    4:01pm
    Pensions are not even high enough to maintain an adequate style of life, so if any relative or charitable person wants to give some economic help in the form of a money gift, is it anyone's business?
    I wish I had someone gifting me with $10.000 every once in a while~!
    particolor
    5th Oct 2015
    4:34pm
    Adopt a Rich Toy Boy ! :-) :-)

    5th Oct 2015
    5:35pm
    regarding the comments to this article, any money's won in a lottery or pokies are paid by cheque, any money deals over $10.000.00 have to be reported to the tax department, which automatically notify centrelink.
    re: frank c's comment, you can earn a certain amount fortnightly, I believe $ 135.00 before your pension is reduced by $ 0.50 for every dollar over that amount, by receiving $ 30.00 from new zealand should not effect your pension.
    gravy
    5th Oct 2015
    6:44pm
    The Pension from NZ is under the Reciprocal Agreement that Australia has with NZ. Therefore every dollar received reduces the Aus Pension by a dollar. Same if you live in NZ and receive an Aus pension your NZ pension will be reduced by the amount of Aus pension you receive. The Australian Govt has many of these agreements with other nations.
    *Imagine*
    21st Jun 2016
    7:05pm
    From the Comparable Foreign Payments Pages, Human Services.
    "As at April 2012, 395,177 Age Pensioners in Australia were receiving a foreign pension. This translates into a significant reduction in social security outlays and a $1.14 billion inflow of foreign currency each year." They tell us that in the majority of cases the recipient is better off in retirement - they do not tell the whole truth, that the $1.14 billion is being ripped off the recipients (395 177 of us) at the average rate of $2884.78 each. In my case, because I still pay tax at 32.5C in the dollar plus medicare levy, and the calculated Aus pension reduction is on the whole foreign pension amount, before tax, the Aus Govt gain $81.74 dollars in every $100 payed to me by UK Govt. I get the remaining $18.26. Yes, that makes me 'better off' but nowhere near as 'better off' as the Government. This is considered to be "fair", I cannot agree.
    particolor
    21st Jun 2016
    7:48pm
    25% from your Pension for Public Housing was Fine ! 20 YEARS AGO !!
    :-( :-(
    Nan Norma
    15th Nov 2016
    8:48pm
    A friend of mine won $11,000 at the pokies and collected it in cash.
    particolor
    15th Nov 2016
    8:57pm
    Way to Go Nan :-) :-)
    Not Senile Yet!
    6th Oct 2015
    12:09am
    This where the Big Bro Attitude of the Federal Government is completely out of whack!
    A Gift of $10,000 from Family has already been taxed.....and whatever it is spent on will attract their 10% GST......so why deem it???
    The answer is simple......Millions are saved by deeming......when I say saved......I mean not paid out because the Pension is reduced!!!
    However it is a false economy as it also takes money from the POOR and thus removes it from the Larger Economy....simply because it is mostly spent....no one is saving it or investing in old age!!!!
    This in turn shrinks the cash spent in the economy...which is jobs to someone.....total unsound economic philosophy!!
    Just as restricting someone's ability to self sustain themselves working part-time and penalising them for earning above a certain amount. For Part-time work at todays casual rates .....the amount restricted $130.00 per fortnight is out of date and penalises those who can work by not encouraging them to do so!
    Better to lift the rate subject to taking out Private Health Insurance.....without Penalty.....to relieve pressure on Medicare!
    As for tax.....10% GST will be collected......as the elderly rarely save.....and even if they do.....it will be for some future purchase!!!!
    Australia needs to get rid of it's penalties for working part-time whilst retired! Especially for those who only want to work 1-2 days a week to assist paying their normal cost of living.
    Gifting for below $10-$15,000 should be TAX FREE and NOT deemed!
    No wonder why people are becoming dishonest....they are just copying a Greedy Government who are hitting those who can least afford it!
    Shit flows downhill.....and this Policy is a Shitty won!
    As for honesty.....when the Party Puppets keep their election promises.....then so will the people!!!!
    particolor
    6th Oct 2015
    4:05pm
    Your Right Again !! :-)
    missmarple
    21st Jun 2016
    3:59pm
    well said and here here here Not Senile Yet
    OMG
    6th Oct 2015
    12:55am
    With my pension I work 21hrs per fortnight..I'm deducted 50c in the dollar..I had a fall at work not my fault..and I have had needed surgery and had to wait for approval for 8month for it to be approved by insurance Co....now I'm told that the work cover which is my wage being paid by the insurance company under work over is deducted from the Centrelink pension..so can someone explain why now I'm not working till I'm able to go back why should it be deducted and any money that I have been paid will have to be paid back to Centrelink..so what is worksafe workcover..so if I was given $10,000 as a gift well I would be in my situation having to decide if to tell Centrelink ..but I couldn't be so fortunate to have someone give me a gift with that much in $$$$
    Pollyanna
    6th Oct 2015
    12:20pm
    Very good Particolor. Whatever money you receive as a pensioner is yours and should not effect Centrelink, just as being on a disability pension should not stop me from going out of the country for longer than 28 days in one year. So sick of everyone running our lives
    particolor
    6th Oct 2015
    4:02pm
    Yes ! They THINK they can ! But I'm an Old Age Pensioner now and take very little notice of the Commandants Orders !! :-)
    Pollyanna
    7th Oct 2015
    9:15am
    I was on workcover for many years and when they decided to stop the payouts I decided I would take my measly one so I could get off the system. Little did I know I had to live on that money for two years. I believe that money should be used to pay for doctors etc for the rest or most of my life. Why even bother to get a payout?
    niemakawa
    21st Jun 2016
    10:28am
    What about gifts to/from a partner( both age pension recipients) is this asset counted twice by Centrelink?
    Greg
    21st Jun 2016
    2:24pm
    Well the net difference is Nil. If I give my wife 10k my assets have reduced 10k but hers increased by 10k. Aged pensions ate calculated on the joint assets/income of both parties.
    Sorrento Jo
    21st Jun 2016
    10:47am
    We are on a part pension and have a small term deposit which Centrelink know about. Do we have to tell Centrelink if we take say 10,000 dollars from the Term Deposit to do house renovations.
    niemakawa
    21st Jun 2016
    10:56am
    If the money is being used to renovate your own home, they should not penalise you for using your money for that purpose. Tell them anyway as your assets (assessed) will have reduced, which may affect your pension. (favourably!!) Best err on the side of caution and if in doubt speak to Centrelink. Nobody likes to receive shocks later down the track.
    Scrivener
    21st Jun 2016
    1:05pm
    And ALWAYS, ALWAYS get the name of the person at Centrelink who advises you and always get and keep a record of the conversation and the number thy give you for the call. I had to face a Centrelink Tribunal and won because some Centrelink twerp had reinterpreted the regulations and I had impeccable records - names, dates length of call and subject of the conversation. If you are going to be dealing with Centrelink then it is wise to keep a little notebook for that purpose alone. Keep all your details in that.
    niemakawa
    21st Jun 2016
    1:12pm
    Scrivener good advice. Also if you are registered on myGov updates can be made on-line and a record is always available from this source.This could be followed up with a phone call if desired.
    missmarple
    21st Jun 2016
    4:08pm
    Scrivener, any phone call I make (with the exception of private calls ) I always put date, time, and name of person I am talking to, then you have the information on hand if there are any discrepancy's not only Centrelink but any business
    niemakawa
    21st Jun 2016
    4:37pm
    I thought all calls were recorded as well so they must retain the "tape" , but for how long that is the unknown.
    niemakawa
    21st Jun 2016
    4:37pm
    I thought all calls were recorded as well so they must retain the "tape" , but for how long that is the unknown.
    jackie
    21st Jun 2016
    11:13am
    That means someone can gift you a couple of million without affecting the pension. Another loophole for the rich.
    Greg
    21st Jun 2016
    2:30pm
    No that's not correct - your assets would increase by the same amount. The article on this page (as often is the case) is poorly written - it says the money would not be classed as "income", it's still classed as an asset and as such a couple of million would mean no more pension. Remember Centrelink can and do crosscheck with financial institutions.
    particolor
    21st Jun 2016
    2:37pm
    2 Million fits Easily into a Cushion Cove !! Good Luck :-) :-)

    Dear Centrelink... Bad Luck :-(
    niemakawa
    21st Jun 2016
    4:38pm
    But it is possible that the money is used to buy a home, which would not be included as an asset unless it was an investment property.
    Greg
    21st Jun 2016
    7:37pm
    particolor - all cash transactions $10,000 and over are reported by the bank.

    niemakawa - Yep your own home is not included in the assets test so that's one way to get around it - but you don't have access to the cash, all tied up in the home.
    niemakawa
    21st Jun 2016
    7:42pm
    Greg, yes reported to AUSTRAC. However banks or any other financial institution, can report any amount if they believe a transaction to be suspicious.
    Anonymous
    22nd Jun 2016
    7:45pm
    jackey, jackey, how dumb can one gets.
    Anonymous
    22nd Jun 2016
    7:45pm
    jackey, jackey, how dumb can one gets.
    particolor
    13th Sep 2016
    8:19pm
    Greg ! I know That :-) :-)
    Blossom
    15th Nov 2016
    6:03pm
    By law Banks have to notify ATO if you transfer $10,000.00 from one person to another even if there is no connection with a person on Centrelink.
    Old Man
    21st Jun 2016
    9:31pm
    Now, just to make it abundantly clear, if I won the lottery I would declare it immediately and accept Centrelink's ruling. However, if I was not as honest as that I would take my kids down to a bank, (not the one I currently use) and get them to open a cheque account in their names with an authority to allow me to operate on the account. A cheque account draws no interest so will not be reported to the ATO.
    Nan Norma
    21st Jun 2016
    9:48pm
    What really concerns me is that next year the taper rate will increase from $1.50 a fortnight for each $1000 if you are asset tested, to $3 for each $1000. Savings are not earning the deeming rate which means, with inflation, our saving are actually losing money. To then lose $3 for assets that are necessary, like a car, life insurance, household goods etc, that earn nothing and actually cost money to upkeep, is an absolute rip off by the government. This will spell disaster for some pensioners.
    Anonymous
    22nd Jun 2016
    8:45pm
    nan, who told you that story, has union organizer and labor stooge and labor troll mick blown into your ear, time to make up your own mind and don't believe those laborites, who are trying to make you forget the absolute slaughter labor brought to Australia, during the rudd's and gillard.s regime,, a no debt went to billions of dollars lost, money's paid to people overseas who had been death for years, the insulation of the houses resulting in the death of several young blokes,who were happy to have a job, the amount of houses burning down, yet you and so many others believe the sun shines out of shorties backside, his greatest achievement during his working life? stabbing rudd, gillard in the back while accepting thousands of dollars to improve his union's financial state yet it did not do any good to their union members, as a matter of fact, left those members in a worst situation!
    By the way shorty is not game enough to front the voluntary fire brigades in victoria, the ones his mate the labor premier of victoria, andrews, has sold out to the unions as a reward for their assistance in helping, door knocking, handing labor leaflets out in full uniforms and had their trucks at the polling booths during the state elections.
    Nan, all I can say to you, if you sell this country, Australia, out for the sake of $0.50 cents, you have to live with that for the rest of your life, hope you have no grand children who will have to pick up the slack of their grand parents, who are more interested into their own welfare than that of their offspring.
    niemakawa
    22nd Jun 2016
    9:07pm
    Labor ( Shorten) has already stated that it cannot and will not reverse this decision made by the Liberals on the taper rate. I trust not Turnbull or Shorten and neither Liberal nor Labor will get my direct vote on 2 July 2016.
    particolor
    15th Nov 2016
    8:08pm
    Neither of them have had My Vote for 20 Years now !! :-)
    Janny
    13th Sep 2016
    1:35pm
    We are aged pensioners and have a property in a country town which we are trying to sell. The value of it falls inside the guidelines of the pensioner asset test. It is on 1/2 acre of land and is proving difficult to sell because people do not want such a big yard. We told daughter and son in law if they paid for the subdivision they could have the back block as an investment. The cost of the subdivision was over $45 and the back block is valued at about $50. Could that be seen as payment for the block or will it be regarded as gifting and affect pension?
    Nan Norma
    15th Nov 2016
    8:38pm
    It would be gifting as you would be selling it for less than its worth. hope you got some advice.
    Libby
    21st Sep 2016
    12:37am
    If I won the lottery why would I continue with pension and nosy Centrelink? I'd say goodbye to it and my life will stay private from their prying eyes! Give it to other pensioners who really need it and don't be greedy.

    Politicians should be made to live on our pension (freeze their pay except the pension amount) and see how they can afford to pay all the bills etc. And worse of all Newstart!

    They just don't know how to look after their elderly folks and they can afford to put them in very expensive nursing homes including themselves!
    particolor
    21st Sep 2016
    8:17pm
    That Newstart is Disgusting !! :-( :-( Any wonder we have to Lock Everything Up around here now !! :-( :-(
    Blossom
    15th Nov 2016
    6:27pm
    You are right about Newstart they get less than the Aged Pension yet they have to pay for transport to Employment agencies and job interviews. They have to report in person to the Employment Agency on a regular basis. It is/was every 3 weeks. In some areas there is no public transport at all, in some areas an hour wait...if that bus turns up.

    Doing casual work for a couple of days if you are young with a young family including a newborn, your unemployment benefit is cut to the extent that you actually clear more money if you don't work at all. It gives you a reference that you have at least worked the couple of days you were offered by somebody you know.
    Blossom
    15th Nov 2016
    6:35pm
    Re nursing homes if you have been in hospital and your relative hasn't been able find one quickly because they had to wait for a copy of the ACAT (I had to ring up and ask for the one that was done for my Mum after 10 days wait). Sometimes the Govt, finds one and transfers the patient to one. It may be a long way for responsible relatives or other person to travel to the patient. I know a lady who travelled almost an hour each way to visit her Mum who had a severe stroke. Eventually she found a vacancy nearer to her home and had her transfered.
    What is known as High care costs considerably more than the pension, even though they get a Govt. subsidy.
    Harry
    23rd Nov 2016
    12:48pm
    lets say.... my friend lol was gifted 100,000 what do i do if i wanted to bank that now ?
    tito
    25th May 2017
    3:33pm
    Hi
    I am on disability pension. If say I wanted to give and I repeat give NOT receive give $30000 to a charity organization, would this affect my pension even though im giving it?
    particolor
    25th May 2017
    3:39pm
    Yes !! The Charity will probably want MORE !!
    ElainePope
    9th Nov 2017
    7:44am
    Hi, I would like to share my experience with you guys on how I got a loan to pay the duty tax of my bank draft and to start up a new business. I was at the verge of loosing all my belongings due to the bank draft I took to offset some bills and some personal needs. I became so desperate and began to seek for funds at all means. Luckily for me I heard a colleague of mine talking about this company, I got interested. Although I was scared of being scammed, I was compelled by my situation and then I began to look online and ran into their email at: ( r_nelsonfinanceltd@yahoo.com ) where I was given a loan within 72hrs without knowing what it feels like to be scammed. So I promised myself that I was going to make this known to as many that are in financial stress to contact them and not fall victim of online scam in the name of getting a loan.


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