[untog]

I would sum him as fat, retarded, wannabe hacker chav

I was with you up until this point. None of those things are relevant to whether he engages in criminal behaviour.

[shellox]

I agree with your point, but would you really trust sensible data to such a person, which is known as a liar? I think the risk is too high. Lying to customers can also be fraud in some cases.