It's been almost over a year since the TheRealRazick came here to claim ownership of the account. Where were you for all that long?

I am not sure if you will be able to recover the account, but if there is proof that the owner defaulted the loan then the best thing to do is to create flags and leave some negative feedback on the profile

As of today accounts are not considered as collateral which means you might be granted the rights of ownership of the account