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.
let's use some simple logic, when you accepted the account as a collateral, you knew there were only 2 options ahead.
1- Loan is repaid, end of story.
2- User Default on Loan.
how were you planing to handle no 2 exactly? i am not aware of any other thing that can be done except for selling the account.
i'l give you the benefit of the doubt and say you gambled, you thought chances were the guy was going to pay back the loan but , things went south , you need your money back, you sold the account, so that you do not lose money.
but what about other people's money that you potentially put at risk? you sold a Hero ranked account to a newbie, what exactly did you think the newbie was planning to do with that account? post in the Ivory Tower board?