It's not that I am curious but I assume that they are two different people. In fact, I've had conversation to both of them; the way how they compose their messages, how they reply to my queries, their tones and personal background are distinctive.

I am not sure though, maybe @finaleshot2016 could clarify this. Anyhow, what is the status of this defaulted loan? I haven't heard from TYM in almost 5 months now