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Until he shows a signed message or a non-manipulative proof that the account is his, he should not be given the ownership of the account.
Even with the signed message the lender will take the loss because someone hacked an account and the owner just didnt reported to anyone?
Soo i got hacked and let someone use my account,with a good reputation,get a loan and then i come back saying someone took my account ? This is why take accounts as colateral is getting risk ,and the negative feedback just made the account worth be almost nothing,but well someone had adviced to avoid the loan as tryed to scam others ...