Ehh, you kinda did, but I think Vod's rating was probably somewhat too harsh.  You inquired about the loan, while at the same time trying to sell that collateral.  That's exactly what scammers do.

I saw your question as more of a theoretical one, as opposed to an actual loan request, but you have to understand how many scammers this forum has and how they behave.  Vod is fair, so perhaps you should take some time, build up your rep, and then ask him to remove it down the line.  Hopefully whoever you try to do business with will see why Vod left you that rating.  And honestly, even scammers don't have trouble doing business here.  It's not the end of the world.  Just don't do it again.

Yeah, that's definitely not cool.  I can't stand when people just flat out lie on trust pages.