I will add to the recommendations you received a few other warnings and recommendantions:
If you are loaning, you want to have FULLSCREEN screenshots in high quality uploaded to a site like imgur and keep backups. Make sure to take screenshots of everything (from experience, it's better to take too many than to say, "This won't be useful if I get scammed" and then say, "Oh... I should've taken a screenshot of that precise thing".
Make sure you communicate with the person you are loaning too through either the toribash game of the toribash forums. Stay away from: Irc, Skype, etc. Anything that there is a possiblity that the person you are talking too could say, "That isn't me", you must avoid!
Make sure the person you are loaning too doesn't have a bad market history and that you establish every terms of the contract with him (deadline, interest, etc.) and make sure to take screenshots of it all and NOT cropping the image.
If you make sure to have HD FULLSCREEN screenshots of ALL the terms of the contract and him ACCEPTING to those terms, that every contact was made through Toribash (game or forum) and that the terms where clear, you should be in a very good position if you ever get scammed.