http://dictionary.cambridge.org/dictionary/english/collateral
Secondly you ask a loan without reading the stickies? Yes.
https://bitcointalksearch.org/topic/edu-the-rule-of-no-collateral-no-loan-ignore-at-your-own-risk-577765
Finally you will persuade Lauda to remove or even change her feedback about you? No.
Sorry but there is a lot of referrences about this!
where you see i ask loan without collateral
this threads not is for loan requested
and lauda is only donkey what give negative to 80% off member bitcointalk
You asked for a loan without valid collateral on https://bitcointalksearch.org/topic/need-loan-001-btc-2182744 .
So where Lauda feedback stand is valid. You proven you bought the account. He only stated "Account sales encourage different types of shady behavior (scams, spam, account farming, et al.)." which you pretty much proven you tried to do by asking for a loan using this account you have in your possession as collateral, asking for a loan for the amount you claimed you paid for.