If he/she is not a DT member, you may not very worried about it except if they spamming with red trust , admin will remove all negative rating that giving to you
The user is on DT2, so this is irrelevant.
@OP, you clearly did not know how to request a loan properly. Talk with the user who tagged you, don't be stupid, and they might give you a second chance after a set amount of time.
Hope I don't have to spoon feed you what you did wrong.