another point is, that you are offering physical collateral, which is not comfortable for anybody. maybe you should reconsider collateral or add additional one (like your bct acc)
Where on ebay is it sold for 85USD? Are you talking about the one with the busted lens?
uhh nope, for example: http://www.ebay.com/itm/JVC-Everio-GZ-MS230-Camcorder-Free-Shipping-/321805150686?pt=LH_DefaultDomain_0&hash=item4aed14e9de and this one is with free shipping.
+ (and I mentioned it earlier), is not comfortable at all provide physical collateral. you should really reconsider this, if you want to get loan here.
I've already gotten the loan btw. And there is def something wrong with that camera if he has it for that much.