Going to lock the thread. I got some friends' help.
I understand everyone's point about the 96 days delay and not gonna argue. Having said that is also important to note that it was not my first loan with the same lender and I was always in contact with him for the entire time and, of course, repaid in full.
I'm kinda interested to give you a loan with the said physical collaterals but I'm not from the Netherlands. Maybe a reputable forum escrow from the Netherlands can hold those collaterals, do you know any?
Appreciate it. But, like I said, it is no longer needed.
Thanks for the responses anyway.