Hardly a hunch.

Anyone can look at your BTCJam history and see you took out a number of small loans and promptly repaid them to build reputation.  Then you took a $2,000 loan, then a $2,500 loan.  You haven't repaid those, and now you're asking for another $5,000 loan.  (you've cancelled that $5,000 loan and now asked for a $3,000 one instead)

Obvious is obvious, but we will know for sure when your 20% loans come due in a week.   

https://btcjam.com/users/9705