We applied for a SWIFT to Guarantee UK. We met Philippe Sinclair. He stressed that banks gave loans on projects not on guarantees. Our broker who arranged the meeting assured us Sinclair was wrong, Said that all we needed was a bank guarantee. Sinclair gave us a contract to deliver a guarantee which he said that all we needed was a bank guarantee. Sinclair gave us a contract to deliver a guarantee which he did and was paid for.we did not get the loan. We reported the matter to the police. It was thoroughly investigated and found that Sinclair had done exactly what his contract said that we had no complaint with him. I just wish that I had listened to him. Sinclairs words still ringing in my head. Banks lend on projects not guarantees. Thomas Hartden