Yeah... I mean I could have asked any of the other lenders the same thing but this was simply the first one I opened... is BTCJAM ill reputed or something? I use it for microloans and my returns have been fine...
Some people prefer using forum loans; BTCJam is pretty packed with scammers and the such.
jupp we have a lot of scammers here too, but i think this is the better place.