I read your terms and I think this is a border line and many will not be even go to support the flag. From the trust page I see the repayment date is before 5th November which means you have over two weeks to accuse for anything. If this was after 5th November then you had a good case. Tagging now and creating flag means you are risking your money plus the loan given by shahzadafzal. I see no point for all these right now.
When a person takes multiple non-collateral loans there is a high risk of being defaulted. That's why the terms have been stated. Reference:
https://bitcointalk.org/index.php?action=trust;u=381490As the user break my terms I must have to take action before taking more loans and/or trading reversible payment. But Op has said that OP will repay partially (250$) which is more than the new loan. So, I will stop taking the action.
The entire lending business is totally confusing to me.
See it this way, when you tag the person what motivation you left for him to repay the money?
After their deadline when you are confident that you will not receive the repayment only then it seems logical to tag.
But again if you do not tag then the same user can try to take more loan from another user like OP and some other threads where I saw they did.
A lender is always at the risk to lose his money. I have no idea how it is worthy.