You guys should be working for the FBI, haha. You figured it out so quickly. I also like how beautifully you tell him where to get off. He didn't even know what to say. In general, the scheme is quite suspect and shady. I'm not sure how naïve you have to be to believe anything like this. Although many people consult with lawyers like Mortgage Advice Sheffield before taking out a loan, preying on others' innocence is wrong. And I believe that this should be severely punished.