It was a phone conversation. She was very clear that she charged, but we did not discuss services over the phone. When I got there I put the money on the dresser. She kept asking me what I wanted to do, I kept dodging. I asked to touch her breasts, she said she was a bit nervous because it was her first time and she was in from Toronto. I looked around the room and they had it set up like a typical travelling girls room. There was a suit case, the room was slightly messy, there were condoms and lube on the bed stand. She was basically wearing a bra and shorts, so I bought her story and I fell for it. Stupid me. My advice, if your spider sense is tingling, listen to it.