I have to make mention to this because of how it appears - but, I have not gotten a response from StarBucksShop as of yet.
There might be an explanation - I just don't have one yet.

I made this loan based on the previous repayment history to myself and other lenders.
I asked for collateral, as extra assurance and really wasn't a prerequisite of this loan.

With that being said, I was sent gift card codes for $786 worth of starbucks credit on July 31.
I never took possession of the credits (transferring the credits to a card that only I controlled)
But on Aug 1, the credits were drained down to nothing, which effectively killed any assurance collateral I held.

He still has a week to pay me back - but, the credits were part of the deal.
They were no longer his to use, which he obviously did use without giving me any kind of notification.