Flag supported, though it is difficult at this stage to determine why the email address linked to the accused account was changed. Only the Croatian local members might be able to dig up more info regarding this.

Anyway its my first time seeing the lender defend the defaulter. Maybe they made an inside deal to pay back later, but I know from my experience that few of such defaulters are honest enough to pay back maybe a year or two later while others just leave it to their karma.

I like this versatility of the flags to be able to be withdrawn or made inactive in future.