It's been a while, but wanted to put this out there, since I see that the oscarftw account was recently used on July 15, 2015 (though no posts have been made since January).  I am willing to forgive any late penalty if the borrower would like to repay the original 0.3BTC loan amount.  This provides an opportunity to "save" their senior level account and re-enter the forum with a fresh start.  Repayment addy is in my sig.  Call it a gesture of good faith, for what it's worth.