I just found that this user tried to scam you by resetting password of both collateral accounts.
I got a loan request from this user via PM but it looks specious to me so I refused to give him that loan,offered him small one. It was your first official loan, you should more careful when lending money here,scammers always have great excuses.
Note: If you don't like my post here, just send me a PM, I will remove it.
In order to properly secure an account you need to change the password, remove any security question and change the email to an address that you are 100% sure they will not have access to. Failure to do any one of these steps will likely result in the account being stolen from you.
Edit: who was holding the accounts as escrow? Or were they being help by the lender?
Also what is the identity of the second account?