The guy claims he can get you a loan with NO FEES. False!! What they do, is promise a no up front fee loan. However, they ask for proprietory information, like User Name and Password to you Bank Account. Then, they send you a notice from Secure Trust Bank, UK. This is a lie. In the process of giving you hope that you will recieve a loan, the bank sends you an application to concur the bank information you gave to them. It is a fruad!! All they are looking for, is to get into your bank account and transfer money out. No loan and lies! Charles is the contact. He is a Sociopath.