Onnz423 currently has an open loan with me, I am holding his account as collateral. He has shown to redeem his previously loans, but if his account is rendered worthless that may not be the case again.
Lauda will probably tag if it he doesn't repay.
It's still much too early to think he has defaulted, he repaid zazarb and aventhe over a month after the payment was due. I personally think he'll stick to his word, otherwise he wouldn't have bothered asking me for an extension.