Adding Lone Shark response in other thread here for completeness-
-snip-
Lone Shark my response is simple, you lent your BTC out under an agreement. Those BTC are the borrowers. You cant change the agreement as you see fit. You gave your borrowers an option to repay early and receive an interest discount. That was fine. It is up to your borrowers to take up that option on their choice, NOT YOURS. If they do not choose that option, you don't have a Fuking leg to stand on and demand they pay you both coins.
And you are WRONG about the fork. You have no idea what you're talking about.
Then we agree to disagree. End of talk. Again, you are not my borrower and thus not privy to any of my contracts. You do not have any say in my deals. If my borrowers have a problem then they can take it up with me.