Worsen the situation? How can it get any worse? I'll get 3 negative points? they can give me -999 for all I care, this account is busted now.
This depends on your trust settings, to me you currently look:
lihuajkl recently posted a new repay address, did you talk to them? -> https://bitcointalksearch.org/topic/m.17447270
No, its according to the deal and not a scam. Defaults are part of the risks of lending. Thats why collateral is a thing.
-You not caring to give back the loan and getting your account back conveys you don't give a shit about your rep,so...