A letter to Elrington from the law offices of Glenn D. Godfrey and Company, dated August 26, 2004, however, said that Elrington had only been given a secured loan of $360,000. ?We are further instructed to confirm that the Society has not granted to you any loan in the sum of $763,000,? said the letter. Elrington told Amandala that he got the loan in 1999, and it had nothing to do with the Social Security Board. ?St. James Building Society was simply offering better rates at that time,? said Elrington.