Untouchable Dragon, I feel so sorry for you.
My daughter's account was frozen last December due to the chat boards. And, she like you, did nothing wrong. Her account was frozen because someone lied to the staff and reported that she was scamming. This same person was eventually frozen for filing too many false reports. So, it appears, that the staff relies on the person's report rather than reading what was actually written on the boards.
I wrote an email to two different staff members after my daughter's account was frozen. I got an email from William that basically confirmed my theory. The email said that because there are so many posts and so few staffers to read them, that the staff has to rely on the reports of the users in order to enforce Neopets's rules. The problem is that they do so, even if those people who are reporting do not know the rules--and, even more troubling, even if the staff person doesn't actually check the post to see what was written.
I suggest that you don't wait on a response from your frozen report, but send emails and maybe even a postage-stamp letter to the staff. I got my daughter's account back by using three arguments and I think this might help in your situation, also.
First, I pointed out that there was nothing in the rules that said that what my daughter was doing was against the rules (she was giving away presents). Same applies in your case. There is no rule against borrowing or lending items.
Second, I lurked on the boards from my account and found a number of people doing the same thing as my daughter. I printed out their posts. I then checked back to see if any of them mentioned getting warnings and checked their accounts later to see if any of them had been frozen. No one had. I collected over 40 names of people doing the same thing as my daughter. In my email, I listed their names, the title of their topic board, and the date and time the topic board was made. I then used the argument that, if what my daughter was doing was against the rules, it was unfair that the rules weren't being applied to everyone else who was breaking that same rule.
Third, I suggested the argument that perhaps the staff person who froze my daughter's account didn't check to read what she had written, but had instead relied solely on what the person who reported her had said.
My daughter's account was unfrozen the day after I sent the email.
I wrote a few long posts about frozen accounts (yes, typical Morningstar posts
) in the Help section. It is chocked full on suggestions on how to write a letter to the staff after you have been frozen. If you decide to write a letter or email to the staff, you might want to check it out:
http://www.pinkpt.com/forum/viewtopic.php?t=3298
PM me if you need any help, OK? And, I will cross my fingers for you.
Tested made this fabulous set for me!!! Isn't it great?