There are a few glaring items from this thread.
Firstly, just because they're higher than a Newbie doesn't mean that you should allow no collateral. For most people requesting a loan without collateral, you should consider any loan you give them a donation.
Secondly, you should ask a trusted escrow member (e.g. monbux, Quickseller, SebastianJu, etc.) to hold collaterals for you.
Good luck!
Ok , if the bad item would I change
Is my offer violates the rules here ?
If yes I will remove , but give an explanation