I see that the inevitable neg-rep has been sent to you. Unfortunately, that happened because you didn't know about how the forum worked.
I don't like neg repping people, but it's just too easy to create a new account and ask for a loan. We need to keep track of the accounts that do this
somehow...
In this case, I don't think this account will be back on this forum again.
Yes, and I'm not saying that I disagree with how you do it. I completely agree that that is probably the best way to do it; it's just that it's unfortunate that this practice catches innocent fish in the net as well.