Client side text handling

I have a text/excel file on client machines. user ( at client side) will be uploading it to Oracle database tables on the server using a client side procedure. I have Oracle client 8.0 loaded on the user/client machines. How can this be achieved. Need something like utl_file. (I am not using oracle Forms or reports so I cannot use text_io)Will SQL Loader not do it? If necessary, you could load into a temporary table and then process in PL/SQL.|||No , It will not serve the purpose as I have to modify & add some contents of the file after some validation. Only then I'll be attaching & sending the same through my client email.