post proof that you got the loan, provided the collateral, and then paid the lender back.
https://bitcointalk.org/index.php?topic=5086002.msg48935009#msg48935009@MS69 You have -ve probably because you have tried to use worthless tokens as collateral and to be honest you previously tried to sell CRGO tokens
http://archive.li/hrhqyI didn't go deep into this ICO, I can only say team is selling tokens for $1 each and collateral might worth much more than 400$.
At the moment your collateral equals 0$, so lender is aware of the risk and they accepted it because they have their own reason. That is all I will say here, if you want to discuss this do it privately with Vod or create thread in reputation.
Sorry for off topic.