Dear Jagex,
I believe you have made a mistake in banning me for rule 12 - real world trading. I had just gone through a period of financial hardship, and my friend was lending me some gold to get back on my feet. I thought Jagex was able to tell the difference between loans and real-world trades. 
Real world trading would never be my intention, I will never accept a loan again, 
Yours Sincerely