Flag supported, I don't understand his stupidity that he ruined his career for just 120$. he was accepted in Sinbad with this account and he could be accepted in other compaigns also but i think greed forced him to take a short cut. Now his both accounts tagged and he might learned lesson well. With
karmamiu he could earned 120$ in two weeks.
What will happen if this user now apologize and and repay the loan , will Negative change to neutrel (asking just for learning purpose)?
Sorry to say, some of the participants of sinbad aren't sure of their slots as Royse777 opens the campaign on weekly bases. Only the green zone and some good posters are sure of their slots while others whose post quality are below the manager's expectations are replaced. It will be nice you put this into consideration for subsequent loan decisions.
The loan was not big and if he was honest then it was not a difficult task for him repay on time but unfortunately he already planned to cheat. I think it will be much better to ask for trusted collateral for all those members who are not active for years.