The OP themself said their *cough* business venture was an abject failure so the only achievement to their name is a hand full of merits and a history of overdue loans mostly taken out hours after they repaid the previous loans (an indication of a gambling habit and or living beyond their means if nothing else)
What is your obsession with smearing the reputation of this user? It's already cost you a good chunk of your own reputation, yet you continue to dig the hole deeper.
What they take loans for is none of your business. For everyone else reading this: this is a prime example of how
not to act on this forum. Nobody who has not broken any law or scammed anyone deserves to have their privacy invaded and their reputation smeared like this. Don't be a Timelord.