Oh my! That's a really sad one. As a beneficiary of multiple loans from Neoxian, I am first appalled that anyone would act so badly and unethically. And I am gutted that STINC hadn't thought it necessary to carry out another layer of investigation before recovering the account. I hope with this post, and maybe a formal application/notification to them, they can review the process going forward. Meanwhile, count on the rest of us to keep doing the right thing. My solidarity, friend. Regards.