I'm responsive to emails from borrowers, in fact I've just agreed to 2 loan modifications (Projects & user not on bitcointalk) and these should be repaid soon.
Quick note: Legal threats will not result in getting repaid faster, however if you would like to propose an alternate arrangement / settlement for your CL balance email me - I will agree if I believe this will benefit other CL creditors.
Idea: Give a 30 day window for CL users to log in and set up a payment address. Then, every Wednesday after Asicminer (or other investments) pays dividends, pay out to the addresses on file and decrement the amount from the CL balanace. That would give users an idea of the rate we gets paid back without diclosing all your investments. We would also feel much better about seeing something being returned. Also, send out an E-Mail letting users know this and anyone who doesn't provide a payment address in the allotted timeframe forfeits repayments until they do.