So It seems I've proven this to be true, unfortunately..

0. Newbies, NEVER DO BUSINESS WITH OTHER NEWBIES, EVER. There are plenty of veteran members to do business with and ALWAYS use escrow. If you're a newbie and you're doing business with another newbie, there's a 100% chance

I was looking for a loan so I can further my new business, and pay some unexpected fees.

https://bitcointalk.org/index.php?action=profile;u=259837

The gist of it: Talked for a couple hours on the phone over the course of 24h. and via email. Filled out terms we agreed on.. Sent deposit in the form of BTC. I expected to receive the money that night. Was in contact until about midnight that night, we had decided it seemed that for both of us it would be better to finish the deal the next day. No contact since.

https://blockchain.info/tx-index/86210f48a51e7aefb912b2b6293415343f7b46cf0df60ca746cec2465c393170

The money ends up here:
https://blockchain.info/address/12QrYdvJWAzJTXwa6PBdBJXNWw7VKvkZHB

Another 1.2 BTC in there, hope he didn't fuck someone else too There goes the rest...