Morris Ray is a complete 1000% scam. I needed a business loan for my company, and he told me the fee would only be $550. I paid the fee, and he emailed me Monday that the bank told him I had to pay $1,450 to get the loan transfer. First banks don't say that a fee has to be paid it is suppose to be his lending bank account, but he is a FRAUD
Anyone who has lost money with this scammer should contact the authorities and report him