I'll address the events in a chronological order.
1. Date: 23rd December 2018
-> User with username "Zoel" asks for a loan of 0.04BTC on my thread: https://bitcointalk.org/index.php?topic=5087785.msg48830228#msg48830228.
2. Date: 23rd December 2018
-> I take his account into my control for collateral purposes, post this message from his account: https://bitcointalk.org/index.php?topic=5087785.msg48836695#msg48836695; and approve him the loan amount to his address: 1BLESS3J9JwB3RyqmgMq1RACu31BudX2RA via TXN f583f0a7d164016787b5f24fd4d32d63f896d20c8ace5c8cea3c9c0021af0de1.
-> I always ask everyone to repay loans to my address: 15T6z5fPcHEPVzudg7kC8Fcp5r9MqQPHcb.
-> The repayment amount is agreed to 0.046BTC to be repaid on 13th January 2019.
3. Date: 13th January 2019
-> On the day of repayment, I post this message: https://bitcointalk.org/index.php?topic=5087785.msg49211147#msg49211147, and also send this to him via PM.
4. Date: 16th-17th January 2019
-> I make the sales thread, as mentioned in the OP (http://archive.is/ANFQ7). I fix the price at 0.05BTC because the user had to pay 0.046BTC as of 13th Jan, and he did not, I somehow rounded up the interest to 0.01BTC over 0.04BTC and the price was set at 0.05BTC.
-> Soon, I receive messages from "ThePharmacist" and "Decrypted" to take down my threads as selling accounts is an activity heavily frowned upon. Being a member for over 5 years here, I too am among those who frowns upon such activity, but I was forced to sell the account as the user had defaulted on his loan.
5. Date: 17-18th January 2019
-> I empty the account sale threads so as to remove the content as mentioned and requested by other members.
-> Pretty soon, the user "rmccatch" (https://bitcointalk.org/index.php?action=profile;u=2130246) PMs me the following asking the final price. I tell him its 0.05BTC, and he agrees to pay.
He pays via the TXN: 09ed82d56050bbff86f19e00d09dc5f27e619a93d16a839afed1feead1a84235 and I send him the account credentials and ask him to change the credentials immediately.
-> From here on, the user "rmccatch" is also the owner of the "Zoel" account.
-> The user goes on to PM me this, and I do not respond to his query:
6. Seeing all this drama, I add this "NO BITCOINTALK ACCOUNTS as COLLATERAL" point in red into my rules.
-> I do not have a proof of this, but I'd greatly appreciate if any of the mods with the edit log access can post the proof for the fact that the thread https://bitcointalk.org/index.php?topic=5087785.0 was edited in order to make the relevant changes.
7. Date: 20th, 21st January 2019
-> The same user "rmccatch" posts a loan request on my thread asking for a loan of 0.05BTC for 2600 XLM as collateral (https://bitcointalk.org/index.php?topic=5087785.msg49323716#msg49323716). Since he offered me altcoin collateral, I agreed to loan him the amount.
-> He returns the loan the very next day (21st Jan 2019): https://bitcointalk.org/index.php?topic=5087785.msg49351867#msg49351867. I somehow feel that this was an attempt of trust-loaning.
8. Date: 23rd January 2019
-> He (rmccatch) further PMs me this (pic also includes my reply).
-> But, by that time, "Zoel" (owned by rmccatch) already has the post on zazarb's thread: https://bitcointalk.org/index.php?topic=1161170.msg49384324#msg49384324
1. Please note that I am not an account seller, nor do I encourage this act. Also, before the December of 2018, I've not been that active on the forum and I was not aware that accounts as collaterals have taken this serious a turn as my last lending service was back in 2015-16.
2. As soon as I came to know about this, I made relevant changes to my lending & collateral policy.
3. Regarding the ponzi, the thread is almost 5 years old, it was back in my very early days to bitcoin, and I do agree that it was quite a dick move.
1. Date: 23rd December 2018
-> User with username "Zoel" asks for a loan of 0.04BTC on my thread: https://bitcointalk.org/index.php?topic=5087785.msg48830228#msg48830228.
2. Date: 23rd December 2018
-> I take his account into my control for collateral purposes, post this message from his account: https://bitcointalk.org/index.php?topic=5087785.msg48836695#msg48836695; and approve him the loan amount to his address: 1BLESS3J9JwB3RyqmgMq1RACu31BudX2RA via TXN f583f0a7d164016787b5f24fd4d32d63f896d20c8ace5c8cea3c9c0021af0de1.
-> I always ask everyone to repay loans to my address: 15T6z5fPcHEPVzudg7kC8Fcp5r9MqQPHcb.
-> The repayment amount is agreed to 0.046BTC to be repaid on 13th January 2019.
3. Date: 13th January 2019
-> On the day of repayment, I post this message: https://bitcointalk.org/index.php?topic=5087785.msg49211147#msg49211147, and also send this to him via PM.
4. Date: 16th-17th January 2019
-> I make the sales thread, as mentioned in the OP (http://archive.is/ANFQ7). I fix the price at 0.05BTC because the user had to pay 0.046BTC as of 13th Jan, and he did not, I somehow rounded up the interest to 0.01BTC over 0.04BTC and the price was set at 0.05BTC.
-> Soon, I receive messages from "ThePharmacist" and "Decrypted" to take down my threads as selling accounts is an activity heavily frowned upon. Being a member for over 5 years here, I too am among those who frowns upon such activity, but I was forced to sell the account as the user had defaulted on his loan.
5. Date: 17-18th January 2019
-> I empty the account sale threads so as to remove the content as mentioned and requested by other members.
-> Pretty soon, the user "rmccatch" (https://bitcointalk.org/index.php?action=profile;u=2130246) PMs me the following asking the final price. I tell him its 0.05BTC, and he agrees to pay.
He pays via the TXN: 09ed82d56050bbff86f19e00d09dc5f27e619a93d16a839afed1feead1a84235 and I send him the account credentials and ask him to change the credentials immediately.
-> From here on, the user "rmccatch" is also the owner of the "Zoel" account.
-> The user goes on to PM me this, and I do not respond to his query:
6. Seeing all this drama, I add this "NO BITCOINTALK ACCOUNTS as COLLATERAL" point in red into my rules.
-> I do not have a proof of this, but I'd greatly appreciate if any of the mods with the edit log access can post the proof for the fact that the thread https://bitcointalk.org/index.php?topic=5087785.0 was edited in order to make the relevant changes.
7. Date: 20th, 21st January 2019
-> The same user "rmccatch" posts a loan request on my thread asking for a loan of 0.05BTC for 2600 XLM as collateral (https://bitcointalk.org/index.php?topic=5087785.msg49323716#msg49323716). Since he offered me altcoin collateral, I agreed to loan him the amount.
-> He returns the loan the very next day (21st Jan 2019): https://bitcointalk.org/index.php?topic=5087785.msg49351867#msg49351867. I somehow feel that this was an attempt of trust-loaning.
8. Date: 23rd January 2019
-> He (rmccatch) further PMs me this (pic also includes my reply).
-> But, by that time, "Zoel" (owned by rmccatch) already has the post on zazarb's thread: https://bitcointalk.org/index.php?topic=1161170.msg49384324#msg49384324
1. Please note that I am not an account seller, nor do I encourage this act. Also, before the December of 2018, I've not been that active on the forum and I was not aware that accounts as collaterals have taken this serious a turn as my last lending service was back in 2015-16.
2. As soon as I came to know about this, I made relevant changes to my lending & collateral policy.
3. Regarding the ponzi, the thread is almost 5 years old, it was back in my very early days to bitcoin, and I do agree that it was quite a dick move.