TC is very fair from what I have seen and I tend to trust his opinion.
I looked at the refrence and it looks like you scammed $10 from someone. You would really need to get that claim resolved in order to get your negative trust removed.
The reason why someone will generally repay their no collateral loan is to protect their reputation however already having negative trust your reputation is already ruined therefore you would have little reason to repay anything you are lent
Exactly , i respect him and devthedev the most here, i accept his negative feedback too
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Anyways i hope someone can fulfill this loan.