No one gives away 2,500 points for the heck of it that I know of.. unless they just won a shitload and feeling super generous..but even then thats alot.. I'm just saying there is no discussion of a loan nor is it stated that it is a gift. And I don't know either of the 2 involved in the dispute, so as a neutral party, my opinion is that if you are going to loan out that amount of points you make it clear that it is a loan and agree on the terms and then to make certain you are repaid, you make sure it is set up through the loan shark.