The truth is I used to share that account with several close friends, one of which is responsible for taking those loans out, since then that friend has since vanished and I have no means to recover the debt. As far as I'm concerned I am not responsible for paying these loans, as I simply did not take these loans out myself.
Now THAT is an excuse that is up there in terms of ridiculousness. I'm glad the forum is done with you, although your kind just keeps comin' back. *waves fingers*