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    Whilst what you say is true PW, normally you either take the banks fees out of the amount of the loan or add it to the loan, plus normal fees for this sort of thing are in the range of 1-3% (£3-9m) not 0.3% as the sum mentioned here.

    So this still begs the question, if his assertion is true, what is the money for and who is being paid it?

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