According to the library, I had some CDs long overdue and we kept going round in circles saying that I returned them and them saying I didn't. But I finally gave in and went to pay what the library said I owed. When they went to look up the account, they could not find it and I didn't have to pay. I was then able to get a new library card.
As for loaning readers, I do feel that a Kindle is a poor choice until Overdrive is up and running with Kindle eBooks for loan. I belong to two different local library systems. Both have eBooks. But if one was loaning readers, the other would still have eBooks and none would work with a Kindle until Overdrive had the Kindle loaning up and running.
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