I have done nothing seriously wrong.
I didn't understand rep loans, so I did it w/o knowing.
That's debatable. We could base on
Ignorantia legis non excusat.
But the fact that both my accounts, both chat and exchange account, are spammed with negatives, it's not cool.''
I will always be marked now, even though I am legit, because of the nasty negative feedback "community" here.
You wont. As feedbacks are added, they are removed also, when given enough reason.
But the way you act right now doesn't really support the removal of your feedbacks.