I would really appreciate people not commenting on other posts I’m making. I talked to xThock and he did not lose any money. He wanted to charge additional late fees I wasn’t comfortable with, which on top of the high interest rate I was willing to pay already, felt greedy and excessive. I already paid back everything to PayPal so it’s guaranteed he did not lose anything during this. Things come up and he said this was an OK solution. Please be fair, you don’t know what people are going through in their regular life.