Thank you for the tip, I've already read it, I am a business owner and usually have to check myself contracts, on one post there is something interesting:

1) to buy real world products - thats a red flag for me because if they can't get FIAT loan from a bank/friend or family then a stranger shouldn't trust them either.
NO
2) their loan wont be used to make money, but to purchase objects - second red flag as you have to ask yourself if they cant buy it themselves how will they repay.
NO, it is to make more money
3) just like number 1, but for sob stories such as hospital bills, car maintenance
NO
4) they hide their real life info and have dodgy pseudonyms like nefarious and pirate.
There's a lot of my info on btcjam, if you have a questions just ask me.
5) their use of bitcoins has nothing linked to the community to make it a better place. but request a personal loan as appose to a community growing business loan.
Well, sorry it's not for bitcoins.
6) they don't seem interested in bitcoin's future growth. they just want money.
I see the potential of bitcoin as an easier way for people to avoid giving banks more money
7) they don't want to use a middle man like a respected community member or a service like BTCJAM
I'm using btcjam

I don't mind comments, but I was not asking a direct no-collateral loan, I used BTCJAM as a service, so I think it was rude to someone to just go do that, as I wasn't posting a foolish, no-collateral direct loan (Nobody should invest in that one). As I say I'll remove the bad trust from him, once I repay the loan.