So this deal - Gunthar obviously thought I was lying, and made two pretty extreme requests for poof and said he would "recover my account back to (me) if I dont want to repay the loan"- and I provided back the exact proof he requested.

According to his own terms, I should get the account back. Anything else is disingenuous.  I did not take out a loan.  I posted here as soon as I discovered this.  I met his terms, and now the account is hostage.