Hahaha, Poor @michaelcj!
I am very excited to see his comment on this post. @neoxian I would suggest you to do some promotion on steemit. I mean many people still don't know about you. If @michaelcj knew that @neoxian bank exists then He definitely got contacted you instead of any other bank.
Let me also make a promotional post for you on my blog.
Hope for the best & Have a Great Day!
He has responded, but so far he is defending them. I guess he is ok with his secondhand loan.