English is not my first language. But from what I understand from this is that
Original owner = User B
The one being gifted = User A
if I sent the mme to user "A" before the final stage. Then User A will be getting the items. Then user B wouldn't have the items since it was given to user A.
Then in case if User "A" returns the MME BEFORE the final stage then user "B" would be the one getting all the items.
I might be wrong. Try asking other users/ckers?