If you have forgotten your username or password, you can request to have your username emailed to you and to reset your password. When you fill in your registered email address, you will be sent instructions on how to reset your password.
The rules are clear. No matter what subscriptions you have purchased if you drop below -5 reps you are banned without refund, this is all explained in the help desk and forum rules. I have mercifully reset your reps to 1 and re-instated you to premium. Please read through what the subscriptions all include.