OP, be prepared for this sort of bullshit if you're going to be in the lending business. You're going to be owning lots of accounts.
I already own 3 accounts from defaulted loans, now me and some other lenders are making loans with account as collateral a bit harder, I am a beginner and made the mistake of thinking Member rank accounts are dear to their owners.
Why I say what finishedgrey did is a scam is because he was taking the loan with the intention to default (which I discovered a bit too late) and he is not answering any of my PMs, proving this was his plan to "sell" me the 2 accounts he put as collateral.