Is this person's real full name known?
roycilik should know that info since deceased relative contacted him, telling what happened.
Do we know 100% this isn't a scam where someone is trying to dodge repaying a debt?
I guess there's always a chance that this is a scam attempt, but what would be the benefit of faking your own death? Its not like you can reactivate your account or year or two later and just continue like it never happened and since his real identity was unknown, chances of lender finding him was slim to none.