I vote for 3).matteni said:3) You are a troll and are in need of a hobby / life the way a crack addict needs a hit.
Way too many inconsistencies in his story.
The latest one: He called the bank, and they had to do a breakdown to figure out the original loan amount. WTF? What kind of a moronic bank is this? They don't have the loan amount handy, they have to do calculations from the monthly payments? Give me a break.
He strikes me as someone who has never gone through the process of getting a loan, that is why the story is full of holes.
He has also been extremely vague and evasive when asked specific questions.