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However, there is no site rule saying you are not allowed to post a loan without offering any collateral that "rule" is just a stickied post made by people to help users avoid scams...
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The same thing applies to negative trust on your account. You are not banned from the forum, your account is marked as a warning
to help users to avoid scams.
Honestly, I am not sure why you are complaining. It is obvious that you have read the loan request rules in the sticky post, but you have deliberately chosen to ignore them.