Collateral scams aren't a new thing, I've seen it many times.
There is no way to scam. The user is not asking for collateral here and the OP is trying to send collateral to OP. If you think the collateral might be something that has forked and Op is trying to send the previous token then that might be a different case.
Excuse me? I did ask for a collateral loan, not a non-collateral loan, because I can't access my BTC at the moment
You have told me you will not take any loan. That means you will to take any loan whether that is collateral loan or non-collateral loan.