Sorry, but why no signed message and no collateral? Have you deal in past with this user?
He somehow convinced me that he was reliable so i lent it to him. Anyway this was my mistake, which i will not be doing again.
I even told Atomicat that if he has any issue repaying he must pm me before the expiry time, he contacted my 1 day after expiry!
Anyway i have given out quite a few loans on my lending thread with no issues, this seems to be one of my first ones so far.
From now on i will require collateral at all time unless an exceptional case can be made, e.g. a legendary user requesting a no collateral loan.
Thanks everyone i hope it gets sorted out soon.
Bye
Altcoin4life