To make sure you get the loot, go in block, hit one time and although it will give you experience, probally about 10 points maybe, if that, atleast you 100% sure you get the loot unless someone else joins obviously.
I didnt realise a player can disband a group while a fight is going? Ive always gotten the message that group can not be dispanded because a member of the party is in a fight.
However, it is a fact that if your naked hunting and make no damage your chance of drop is NOT guaranteed