You laugh at people's request for a valid collateral? Your account is nothing special, you are nothing special. We are all equals here and you can't expect people to loan you 0.15 Btc if you're so uncompromising given the history of this sub-forum.
Well yes I laugh at people who come to a thread, which is for a loan titled "NO COLLATERAL". If I was interested in offering collateral, I would have stated as much to begin with. If people do not like the tersm, they are not under any obligation to invest. If the post was titled "possible collateral" or "collateral negotiable" that would be different. But in my title I posted: "Re: Loan needed 0.15 btc - 10 days - No collateral "
No collateral, means no collateral. Is that so hard for people to understand?
My problem right now isn't the collateral. It's that your account password was recently reset which leads us to suspect you are not the rightful owner of this account.
I can understand that. But you are not supposed to leave a negative feedback for mere suspicion.
You should be giving a neutral trust warning future lenders, which should be removed after the loan has been paid.
Negative - You were scammed or you strongly believe that this person is a scammer.
Refusing escrow does not amount to scamming. I have lend 0.28
BTC to wardick and much more without collateral. And no escrow. There can be various reasons for declining escrow, of which onee can be scamming, but there are other reasons too, like not trusting the escrows here due to previous experiences, delays, or potential denial of signature payment due to inactivity.