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12.15.2008

Indian doctors in US ; Fellowship and Practice in US

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Hi Guys,

I have seen lot of traffic on my blog searching for "Indian Doctors in US" of course which is the main theme for my Blog!
I started this blog just out of fancy keeping myself in mind who is obviously an Indian doctor.
I started my life searching here and there how to get into US medical system.Today I wanna post a blog what are our chances of getting into this system.

If you are a Medical student you can do electives here.In any branch you want and which is like doing our Internship/House surgency in India.but just doing only selective departmenmts which help in our chosen career.For e.g., if you want to pursue Internal Medicine...You can do any IM related i.e., Gastro or cardio "Elective" in any med school.These days getting electives are also getting tough.Some are paid and some are non-paid.Once you are done you will be having hands-on clinical experience which helps you in smooth transition into residency.But you wont get any degree here that you have done electives but,Some LORs(Letter Of Recommendations).

If you are a Physician ,have done Internship and got MBBS degree,you are not eligible to do electives in US.
OR
If you are a MD or MS Physician the fate is same but here comes the option of PRACTICE in US
Residency is what we call post graduate training in India or simply PG

In Order to practice in US u need to get state license which requires at least 2-3 yrs of "Accredited American Graduate medical education"(RESIDENCY) according to AMA(American Medical Education) found ...HERE

and if u r Board Certified it adds to authenticity and value ...!

Basically to practice in US one need NOT ! be BOARD CERTIFIED according to certiFACT

"Board certification is a voluntary process and over 80% of the physicians in the U.S. are board certified; however, a physician is licensed by the state to “practice medicine and surgery” and board certification is not a requirement for licensure. A licensed physician may practice in whatever area of medical interest they have and can legally hold themselves out to be practicing in that field of interest without necessarily having obtained a residency or fellowship providing advanced training in that area. Board certification, however, means that the physician’s skill and knowledge in the specialty/subspecialty has been examined and tested and meets standardized requirements"
"Most International Medical Graduates need to complete some required training in this country before they are able to take a particular board’s exam if all the postgraduate training was completed in another country. Exceptions are made and vary with each board. (Some boards may accept Canadian and/or United Kingdom residencies. Call the Member Board for further information on this.)"

also

"If a doctor is "licensed to practice medicine" does that mean he/she is certified?

No. Obtaining a medical license and being certified as a medical specialist by an ABMS Member Board are two different and separate processes. A license, legally required in order to treat patients, is issued and required by the state or territory in which a doctor practices medicine. A specialty certificate is issued by a medical specialty certifying board, which is valid nationwide. Although certification is not required for an individual physician to practice medicine, most hospitals and managed care organizations require that at least a certain percentage of their staff be, " board certified." Today, approximately 89% of licensed physicians are certified by one or more ABMS Member Boards."

You must have gone through atleast 3 years of residency training apart from CME credits and other requirements) and cleared the state specialty board examination.For e.g., ABIM (American Board of Internal Medicine) has to be cleared to be BOARD CERTIFIED in US in the case of IM

But I came to know that if you have done residency here,You can start practicing here as affiliated with a hospital called "HOSPITALIST" and you will be given 3yrs time to clear the board exam.
At the beginning of residency people apply for Initial Medical licnsure and its requirements vary by state and if you are an IMG
In order to get this initial licensure, you have to finish USMLE Step 3 and which in turn requires the clearance of step1,2(CK ,CS).
For clearing STEP3 the criteria vary by state.some require at least one year of residency training,where as some don't need any special requirements.
So in order to practice here,you need to finish all the USMLE steps includin Step3.

More info can be found here

This is what mentioned on FSMB(www.fsmb.org)

"In the United States and its territories, a license to practice medicine is a privilege granted only by the individual licensing authority (i.e., "state medical board") of the various jurisdictions. All decisions regarding acceptance of USMLE results and/or licensure eligibility are made by the individual state medical boards of the United States.

It is important to note that eligibility to sit for the USMLE Step 3 for a specific state medical board does not automatically signify your eligibility for medical licensure in that jurisdiction.

To obtain complete licensure information, you should contact the state medical board directly where you intend to seek your medical license. The FSMB provides a listing of all state medical boards and their contact information."


Here is a sample Licensure for Alabama state http://www.albme.org/Documents/540-X-3%20ER.pdf

and the website is http://www.albme.org/

If you don't wanna practice in US but want to do Fellowship (which is Superspeciality in India)
Most of them require the residency in US.So ,for them Indian PG is not valid.
But here is an exception for some fellowships like Ophthalmic Oncology and Emergency Care (i dont have the complete list and it will be on Individual hospital websites for how to get the list see below)where you can directly apply for them.you don't have to go through all the USMLE steps.Even you dont have to go through all the ERAS process.(For ERAS go through my other blogs).
Once you are done you can use that training in your home country but cannot practice herer.

For these list of programs,

1.go to http://www0.ama-assn.org/vapp/freida/srch/
2.select "Choose specialty"
3.select the "Subspecialty/fellowship" you are interested in
4.select the "Choose Location" select the states you wanted
5.Click on "Optional Criteria"
in National Resident Matching Program: select DO NOT PARTICIPATE IN NRMP
in ERAS drop down select DO NOT PARTICIPATE IN ERAS
These are the programs have their own criteria like "atleast 3 yrs of PG training back in home country"
Now you have to contact the individual programs.

Indian Doctors who came to US back in 70's 80's have done radiology and some competetive specialties.Now its real tough even to get into residency.

Those who want to do residency and then Fellowship...read my other blogs..

Hope this Helps
Pavan
_________________________________________________________________
*i've done background research for myself.It may be incomplete or may have some flaws but for most part its how the system in US is.If you have any doubts or comments post them.Once I start my residency I will know more abt the system!

134 comments

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Anonymous said...

http://www.IndianDoctorsInUs.com

you Can find list of all the doctors.

hope it may be help full for all.

Sharath said...

hi sir,
i am an indian house surgeon doing my internship at KGH vizag, after completing my mbbs course at a private college. what is the procedure to get into a residency program in internal medicine in the us? my email is sharath.alamuri@gmail.com. please walk me through the process.

Anonymous said...

Help! We have an intern (from India)in our Family Medicine Residency that is barely performing at a 3rd year medical student. WE might have to let him go. Is there a residency program in the US he could go to learn and practice dr/patient communication skills? Medical knowledge is not all bad, but he cannot put it together with a real patient.

the blog said...

Dear Sir

Sir I wanted to ask a question about my current situation , I have finished my medical school from AIMS( Amrita Institute of Medical Science) , Cochin , India in 2010.
I have done a research in oncology division , and have presented it in a conference.I have also worked with a few students from NYU for a collaborated research , which was recently presented in the Washington Breast cancer conference.
I am interested to do my residency in the US , I gave my step 1 on dec 2010 and got a score of 80. I want to join internal medicine and peruse my dream in oncology.
the reason why I am writing this mail is to ask your advise on how to get around this , as I understand with a low score my chances of matching in residency is reduced, but with a higher score on step 2 can I reverse the damage done?
I would be really great full if you could advise me on this.

Anonymous said...

Hello sir...i wanna do fellowship in usa...can u please help me with what is needed for it?

online doctor said...

Thanks for the information. Really a helpful post for people who are looking for doing medical certification in US. Keep posting more helpful posts like the same.

rohitg said...

Hi sir,
Iam planning to take mph course from us can i clear my steps doing mph course parallely.Is it anyway advantageous than b1/b2 visa.

rohitg said...

please let me know if there are any opportunities for mph in united states.

Anonymous said...

Hello doctor,
I am a Malaysian indian, however i am really interested to live and work in USA in future. So my parents decided to send me to American University of Antigua, where all the USMLE exams will be taught internally. So doctor, do you think I will get a job there, in USA after finishing my residency? Your respond is kindly appreciated. thank you so much.

-Bhaaharahtie-
devagani@gmail.com

Physiologist said...

Hi thanks for the information.I am currently doing my post graduation in MD Physiology and am planning to come to the United states on a L2 work visa? Do I need to clear any exams in order to be able to work there as an assistant professor or a research scientist? Your help would be greatly appreciated. Thank You

Ghanshyam Yadav said...

Hello Sir.. Im a med student from Mumbai... I had some doubts about USMLE Residency scenes. So could i have your email id so that you could help me... Thanks..Regards

Anonymous said...

Hello Sir,

I would like to know what are the chances of international students of getting residency in the states. I am studying to obtain the MBBS degree, however I would like to know whether my chances of getting residency are decreased or not? Sorry for the inconvenience. Hope to hear from you soon. Thank you!

Dr Pavan Kumar Bhamidipati said...

Hi,
It is not that extremely difficult to get into residency.TO that matter IM would be the most commonly preferred by IMGs and is the tough one to get into.You need to get good scores in Step ), CK and CS. also try to get some USCE and you will have chances.Remember I am also an Indian!

Carol* Rachel Shore said...

Hi Dr. Bhamidipati,
I haven't found your email, so I am posting here. I'm wondering, please, if you know any US board certified/eligible critical care medicine physicians who who might want to work in India for a very high salary. We have immediate and ongoing permanent (not locums) eICU positions in various cities.
Please email: carolrachelshore@gmail.com
Thank you.
Be Well,
Rachel

Anonymous said...

i have done md pediatrics nd have 1 yr experience.want to do neonatology ellowship in US.PLEASE GUIDE.how to go about it.my email is dvndrjdhv@yahoo.com

Dr Pavan Kumar Bhamidipati said...

Hi,
Fellowships in US most of the times need US residency. So, Is neonatology. i doubt if you can do neonatology without US Pediatrics residency.
pavan

Anonymous said...

Hi,
I am an Indian & have 5 years experience in surgical pathology.
Please let me know if there is a short course fellowship programme in U.S.

kiara said...

hello sir,
I have just cleared my 12th std from maharashtra state board with no mathematics in boards. I will soon get admission into some government college in vidharbha region. I wanted to know if there are any chances of getting into any medical colleges in the USA and how for both mbbs ug and pg courses. Please guide me further. Looking forward for your reply.

Dr Pavan Kumar Bhamidipati said...

Kiara,
Getting into medical school here is very expensive ( unless you are ready to spend atleast 1 crore rupees) here it costs $400,000 at an averege. You need to take MCAT and need to get good score in that. Because of the cost and inability to get into US schools, Most of teh American citizens finish med school in either caribbean schools ( west indies) or in India itself. i would suggest to finish MBBS there and apply for Residency. i also suggest you to go to a local medical college and talk to someone who is coming to US for residency.That would be helpful.Also look up on internet in various forums like studentdoctornetwork etc.,
Good luck

Anonymous said...

RESPECTED SIR,
I AM FROM INDIA.I HAVE DONE GRADUATION (M.D PHYSICIAN DEGREE)FROM CRIMEA STATE MEDICAL UNIVERSITY,UKRAINE IN 2007.LATER I CAME BACK TO INDIA AND CLEARED MCI(MEDICAL COUNCIL OF INDIA) SCREENING EXAM IN 2008.AFTER THAT I DID PG DIPLOMA IN EMERGENCY MEDICINE BY
ROYAL COLLEGE OF GENERAL PRACTIONERS,UK.PRESENTLY WORKING AT APOLLO HOSPITAL WHICH IS JCI ACCREDITED.I WANT TO MIGRATE TO USA FOR CONTINUING EMERGENCY MEDICINE.KINDLY HELP ME REGARDING THAT.

Anonymous said...

RESPECTED SIR,
I AM FROM INDIA.I HAVE DONE GRADUATION (M.D PHYSICIAN DEGREE)FROM CRIMEA STATE MEDICAL UNIVERSITY,UKRAINE IN 2007.LATER I CAME BACK TO INDIA AND CLEARED MCI(MEDICAL COUNCIL OF INDIA) SCREENING EXAM IN 2008.AFTER THAT I DID PG DIPLOMA IN EMERGENCY MEDICINE BY
ROYAL COLLEGE OF GENERAL PRACTIONERS,UK.PRESENTLY WORKING AT APOLLO HOSPITAL WHICH IS JCI ACCREDITED.I WANT TO MIGRATE TO USA FOR CONTINUING EMERGENCY MEDICINE.KINDLY HELP ME REGARDING THAT.MY E MAIL ID IS SUN58NY@YAHOO.CO.IN

JD said...

Hello sir,
I have done post graduation in ophthalmology from india and i have few questions like..
1.What is FICO exam and by passing that how much time we can do fellowship or observership in usa??
2.if we want to join short term fellowship in usa then what is the procedure for that?
Thanks

paeds_doctor said...

Hello sir i have done dch ( diploma in child health) from india and now i want to get migrated to US. i am also planning to clear USMLE but i just wanted to know that what are my chances if i score good in the exam as i dont have exyernship or even observership experience from there. Can i still apply for match and hope to get the reisdency there or what should i do. I know its too early but i wanted to be preinformed so that i can guide and prepare myself accordingly instead of get frustrated midway. Kindly guide me what and how tp do

Unknown said...
This comment has been removed by the author.
Unknown said...

Hi,
I live in Farmington Hills,MI and i am looking for a good psychiatrist in and around my place(preferably Telugu speaking). Can you please suggest me a good doctor?it would be great if you can suggest me from some places like farmington Hills, Novi,Wixom.

Vaishnavi Devi said...

respected sir,
I wanted to know something before i start my medical career.I'm an indain and wanted to know that if I completed my m.b.b.s in india , will i be able to pactise it in USA and if i do my mbbs in us then will i be allowed to practise it in india? Does american mbbs degree has more worth in india than indian mbbs degree?

Anonymous said...

Hello did u continue your pg in uk through direct admission or PLAB?

Unknown said...

we are a Reserach team ( North East Bioetch, New York, USA and BITS Pilani at Hyderabad , India). we are developing GROWTH METER to monitor child growth. We are looking for young doctors to help us with the medical part of the project. it will 2-3 months time to do the needed research on web. we will give authorship in the papers resulting of the work. If interested please contact Srin ivasa K. Rao, Ph.D, srao@iibt.in.

Unknown said...

NEED DOCTORS FOR A SHORT RESEARCH PROJECT.
We are a Research team (North East Biotech, New York, USA and BITS Pilani at Hyderabad ,India). we are developing GROWTH METER to monitor child growth and health. We are looking for young doctors to help us with the medical part of the project. It will take 2-3 months time to do the needed research on web. we will give authorship in the papers resulting of the work. If interested please contact Srin ivasa K. Rao, Ph.D, srao@iibt.in.

Debarun Sana's Blog said...

Hello Sir

I am here with some urgent queries.

I am now a third year student of MBBS from Kolkata .After completing my MBBS i will go for PG(In Medicine or Pediatric)from India.If I want to do job in USA after my PG then what are the steps do i need to do?
It will be helpful if you kindly reply me at my mail id in details.
(debarun.sana9@gmail.com)
Thanks and Regards

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Anonymous said...

Hi sir,
I happen to complete my internship in march 2014..fm gandhi med coll hyd.applied for electives...
Im very aspirant to take up surgical fields in my residency in us ppl say its tough there to get into..will dey not take in students based on merit of mle score....what shud b da score for surgical program??
If I do my pg here in surgery...what r da chances of getting into fellowship in us...pls give in ur opinion as in which is the best option.

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Doctors in India said...

The Doctors in India have done their reputation no harm of being the best in the business. Such is their evolution that they are not only recognized among the patients in the country but have been part of several international conferences on a regular basis. Even their contribution to the research domain in various medical domains are of the highest order.

JUHI MITTAL said...

hello sir...i am an indian currently doing 2 nd year of my mbbs from sms medical college rajasthan....i wanted to know what is the proceduce of doing pg from us.Do I nedd to prepare from now onwards.What would be the aproximate cost??Also do i nedd to dive any teat here in india prior to that??...thanks in advance!!

JUHI MITTAL said...

hello sir...i am an indian currently doing 2 nd year of my mbbs from sms medical college rajasthan....i wanted to know what is the proceduce of doing pg from us.Do I need to prepare from now onwards.What would be the aproximate cost??Also do i need to dive any test here in india prior to that??...thanks in advance!!

JUHI MITTAL said...

respected sir,also..could you do a post on mentioning your story of getting into US.Which exams you had to give and which Us hospital you did your residency from.

Anonymous said...

Hi sir, I'm doing diploma in Ophthalmology in India in a deemed university. Is it possible to do fellowships in Ophthalmology in US with this degree?

Kanchan said...

Hi I ve completed my MD obstetrics and gynaecology from govt medical college Nagpur Maharashtra . After that I immediately joined Maharashtra medical services and working as a gynaecologist since last 19years . I am planning to get married to us citizen in California ... What are the easy options available for me if I want to take up job in any medical and research related field . Thanks

jisa said...

hi sir,
I have completed MD Gen.Med from India.I would like to study Gasteroenterology in US.I dont wanna work there.Just to study.Could you suggest me some good colleges for that?

Malabar Institute of medical science said...

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Unknown said...

Sir
I am doing MBBS from crimea state unversity, ukraine,russia. I want to know that russian degree is valid in canada or not as i want to do master's in public health.

Ajay Kumar Garg Engineering College said...

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Anonymous said...

Hello sir...
I am doing my 3rd year from Karnataka... I want to do my post graduation from US in obg ... Sir can u suggest.. How should I get there and approx how much will be the cost...And is it better in India or abroad

reporter said...

Can someone help to understand the job scope in US with MD Physiology from India? Not interested in practicing, so hope USMLE is not required. What about the teaching jobs in US? or What are the jobs we can do with this degree in US?

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Aru said...

Hello Sir,

I am US citizen currently studying in India. I have got admission at Pravara Medical College in Maharastra. After my MBBS I want to pursue residency in USA. Does it matter from which college u do your MBBS. Does US looks for grads from particular college or really it doesn't matter as long as it MCI recognized.

Anonymous said...

Hello Sir..
I'm a medical graduate from India (done with MBBS 4 months ago) currently preparing for usmle..but have been having second thoughts since I'm interested in Dermatology and we all know getting into Dermat residency in US for an IMG is impossible. So I'm starting to consider masters programs..which courses will be suitable for me? I'm not interested in MAH. Thanks

soham said...

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As the name suggests, the central theme of this blog is to reflect upon and analyse certain aspects of the medical world aiming to find new and often 'out of the box' ideas. Accompanying these will be some enlivening, random talks and senses like humour and sarcasm.
Confident enough that it will make an interesting read for you, i earnestly invite you to join me in this venture by following my blog at www.freethinkingmedic.blogspot.com
With warm regards,
Dr.Soham D. Bhaduri.

Real Hero said...

hi sir, myself Dr Manjeet singh from India .i have completed my graduation from Tver State Medical Academy Tver,Russia in 2008 than i clear FMGexam in march 2009.after that i have done one year rotatory internship from Delhi since 201. i am working as a medical officer in vorious hospital of delhi govt,but since 2012 i have been selected for my state govt mwdical officer till date .i want your hepl to do further work in canada or in USA is it possible to help me. kindly reply me on my id;mankhwaishjapji@gmail.com

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Unknown said...

Hello sir.. I am Dr.Saketh completed M.S(ortho)in Andhra Pradesh,India. I want to do fellowship in Adult Reconstruction Surgery in U.S without going through the residency programme in U.S in orthopaedics. Kindly guide me to fetch me the fellowship in institutes where residency is not mandatory for getting into fellowship.

Unknown said...

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Anonymous said...

Hi sir,
I hav completed my ms in obg in India.I want to do fellowship in maternal fetal medicine in usa.can u please guide me.

Unknown said...

Thanks for the information.
Doctors in Danville VA

Dr Lokesh Gupta said...

Hi. I am Dr Lokesh Gupta.I am 43 years old. I have done my MBBS and DCH. Can I pursue any postgraduate fellowship in the USA . If so, which ones, and the procedure thereof?

Rahul M Joshi said...

Nice Post....

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Unknown said...

hi.. i have completed my MD RADIODIAGNOSIS, i am looking for a fellowship in pediatric radiology in USA, can i get a direct fellowship course or do i need to go through residency again?????

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Unknown said...

Hi sir
I hav graduated from a medical school in 2012 in india ...i now want to guve usmle but i hav an apprehension that i wont be eligible for electives and it wil effect to get a residency match..so is thr any way to deal with this ...if u cN help?sheebagoels@gmail.com

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Unknown said...

Hello sir ,
sir im going to take admission in phillipines for mbbs, i want to know that can i apply for USMLE after ug and is it very difficlt to clear???
Email- dubeybini2702@gmail.com
Plss help mw sir im vry confusd

Uzma said...

Nice blog !

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MBBS said...

How much does it cost to do MS In U.S. How it compares to doing MBBS In Philippines ?

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Anonymous said...

HELLO SIR
I'm 1st year mbbs student from India and really looking forward for USMLE
It would be really helpful if you can message me up on my email id
shahkashyap81d@gmail.com
thank you

livelovelaugh said...

Hi I want to settle in india finally. But I really wana do my residency in USA. I hv my step 1 coming . I wanted to ask what's the scope in india if I come back
1.after completing residency in IM in US
2.after residency and fellowship in IN in US

Am I gonna get enuf job opportunities in India if I come back(really wana cm back) since I don't hv the MD degree from india ?
And will I hv more oppurtunities in private sector ? And what will b d starting salary like ?

I hv been trying to knw this since a long time but nobody has given me a gud answer. Some say u won't b recognised here since Indian gov't sector doesn't recognise usmle..some say u will hv grt scope in private sector just after residency in US n starting salary will b like 1 lakh rs
approx

Plz give me some insight

Also lemme knw if it's better to cm back after residency only or both residency n fellowship
I m an ambitious n hard-working person but wana settle back in my own country after hvng d best training frm US.Plz lemme knw....thanks

Unknown said...

Hi sir my self Dr. Ashvini I'm a homeopathic doctor I completed BHMS in India now I m here on h4visa I want to do job here so do I need any exams or medical related course or any other option Plz help &reply me. thanks

sonalpriya said...

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This comment has been removed by a blog administrator.
Anonymous said...

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Anonymous said...

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Any doctor can take the 8 hour course to become a Bup. provider BUT are only able to have 150 patients by law. Entire counties only have 1 Bup provider and patient waiting lists can take years (if ever)to actually become a patient. Most Bup. providers have a cash only business and charge patients between $150 & $500 USD, per month.

Patients will stay because they're unable to function without the Bup. Accepting health insurance especially Medicare & Medicaid (Gov insurance)has endless rules, red tape & regulations. Accepting cash only, up front saves a doctor from the endless headaches.

These are mostly decent people who have become hooked because of an accident or chronic pain. Most are desperate to feel well enough to support their family and be productive citizens. Most are unable to travel 2 or 3 hours , one way to see a doctor who then requires additional travel for counseling and 'med checks'.

If you want to live in a rural area and be valued by your patients and community, we need you....desperately- in rural Pennsylvania, Northern New York State, etc. I'm willing to help a foreign doctor, who wants to relocate to a rural area of US, in any way possible. Cost of living is low. Housing is readily available. Schools are safe. Streets are safe to walk in any area. You probably won't become rich but it's a good life for those who seek to live in the countryside.

Unknown said...

Dear Doctors:

I am looking to connect with all those Doctors who came back to India after having completed their residency in the US. This is regardless of the year of completion.

Best,
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samirsrivas@gmail.com

Unknown said...
This comment has been removed by a blog administrator.
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Unknown said...

It really is teeming with scammers on the internet, really not normal. In one week I lost 1,750usd for payments. I had inquiries made ??at Dandy Cash.com and it came just disappointed. I would recommend anyone to advertise on the site. I've only tried it a different website, and when I had finally found someone who was still honest (Eminent Josh loans...joshloancompany@gmail.com) Because he asked me in advance, but doubted he could give evidence and so I took the risk anyway and I was able to borrow from him 75,000usd, please dont email anybody said to be a loan lender in this website because they are all scams,they disappoint me and run away with my 1,600usd, Mr Eminent Josh is the only one i trust because he gave me the loan i needed,please do not email anyone in this website because they are scams they pretend to be loan lenders they rip people of their hard earned money the USA Attorney General Of Police are searching for this guys in the internet right now so dont email this guys please they will rip you off like they did to me... If you want to get a loan contact Eminent Josh Loans on email at joshloancompany@gmail.com or better alternative you can text/call the company rep on 215-874-8060

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fear said...

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You Can Also Contact Him If You're Diagnosed With Any Of The Following Virus Below:
SICKLE CELL ANEMIA
HEPATOCELLULAR CARCINOMA
VARIOUS TYPE OF CANCER
HEPATITIS A, B & C
TYPE 2 DIABETES
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STROKE
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RADIATION DAMAGE

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Warm Regards,

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Director of General Operations .Director of General Operations .

Anonymous said...


Hi ,

My name is Ahana Enaney from Ireland.

If getting a legit loan online was that easy as stated in all this fabricated loan testimonies that i have been reading through online , then why were my husband and I turned down for a loan online twice after been scammed of about $16,000 United State Dollars ? We the loan seekers are the common regular victims of this fake loan stories simply because we are in dire needs we believe in their stories out of desperation to get a loan, but at the end of it all we find out that we have gained nothing but rather loosed the little we have into the hands of this online scammers who claim to be real lenders .the lenders told us to pay some few amount for insurance because they said that we were high risk!! How is that? I still don't understand how!! how can a lender be requesting several fees from a borrower ? if that borrower was having money would he or she have come along to ask for a loan ?? those lenders deceived my husband and i of getting a loan and we thought it was all real because we never believed that there was anytime as an online loan scam and they had all pay all we had to them and due to the way things were moving we had to close out our business over here in Ireland as we could not meet up with the customers needs any longer because we sold all most every single goods we had and we could not replace them as we thought that we could do so if we get our requested loan amount ... yes !! we were scammed by two different lenders online ! a customer who was also a closed friend to the family saw the way things were so bad and decided to introduce us to a loan company but we refused any further loan offer because we had concluded that all of them were scams but he insisted as he opened up of getting a loan from them but we believed him at a spot after he opened up because we knew him from the onset to be a man of unquestionable character who was always known for his words and we applied with this company that he called THE WINONA MILLARAY LOAN FOUNDATION but prior to our application with this email address :thewinonamillarayloancouncil@hotmail.com or you can check them out on this address too mrswinonamillarayloancouncil@gmail.com that he provided to us we quickly look up this loan company in Google so that we could be sure that they were legit .. yes !! it was to my own satisfaction and i applied but God was so kind that he lead us through and we got our loan .. Oh well, I'm just glad that we got our loan without been scammed or any stress . Ahana Enaney from Ireland and you can reach me on my official email address ahanaenaney@gmail.com

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Unknown said...

Good day to the whole wide world, with joy and happiness in my heart i want to share the wonderful healing i got from the great and powerful herbalist Called Dr James, i have been having this unbearable Diabetes disease in my body since i was ten years old,over the years of growing up i have tried several medication, but all my efforts was to no avail,but i was happy when i came in contact with this powerful man through the internet, various people have testified about him on how he has cured various persons disease, on his email address:drjamesspelltemple001@gmail.com when i contacted him i believed he was going to cure me of my Diabetes disease,he told me not to worry that once i receive his herbal medicine i will be totally cured, and just as he has promised me i was indeed cure when i start using his herbal medicine in 2 week, i went to the hospital and was confirm negative. so you can also contact him today,he is able to cure any type of disease, contact him on his mobile number:+2348107460527

Unknown said...

I want to say thanks to Doctor James Omoghene for helping me cure my diabetes type 2. Brethren, i have suffered diabetes for a long period of time, i have tried so many remedy, but known seems to work. But i had contact with a herbal doctor who i saw so many people testifying on how they were all cured of their various disease and viruses by this doctor. So i explained my entire problem to him, and he promised to cure me. So i gave him all benefit of doubt, and behold he prepared the herbal mixture, and send it to me in my country. Today, i am proud to say i am diabetes free, and my sugar level has been restored to normal. So in case you are out there suffering from diabetes and other disease and or virus, i want to tell you to quickly contact James Omoghene for your cure. His email is (drjamesspelltemple001@gmail.com) you can also call him on (call +2348107460527)

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Attention!!!

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Best Regards,

ARCHIE BISHOP ANTHONY
Archie bishop Anthony, PS, FRANCE - 11/2/2018 20:08:36 AM

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