In both cases I wrote:Glad to hear your app status get restored, Please share what did you write in your appeal which gets approved, it will help other users facing the same issue. Thank you.
The app does not "modify, replace, or update itself using any method other than Google Play's update mechanism" in any way. Also, searching in Google for "Loan Download SDK" brings zero results, so I'd appreciate a clarification and more information from your side.
I use a platform called Appyet to create the app and the developers are puzzled and asked for clarification.
Both used AppYet and both had very similar structure (I can't think of any difference, actually). So the result depends on who reads the complaint unfortunately.
I resubmitted my app. Will let you know if it actually gets reinstated.