So in short you wants to do some Collateral scam. Gaining so much knowledge about how things on bitcointalk work within a day of registration ?
Why don't you reveal your main I'd and show us you who are ?
All I can see you have is 0.04 btc which is not a good amount to start a lending service
collateral is to be holded by escrow. I read this forum daily and thought of lending so what is your problem ??
My problem is the Newbies unexpected behaviours
If are really reading this forum everyday then where have you been for so many days ? You just registered yesterday and thats the reason which made me suspect on you