It's unfortunate that you're having such a bad experience, but competition is a good thing! BitLendingClub is quickly growing and within a couple of months we're expecting to outpace BTCJam by volume. Our lending volume is more than 50% of the lending volume of BTCJam, and about 35% of the overall lending volume in the Bitcoin ecosystem. The result is that we can not only provide you with a better experience in terms of customer service, transparency and openness, but we also have the volume to be a true leader in the space. Hopefully you manage to resolve your issues, but there is no reason for you to stay there when there are better alternatives.