Topic: 60 BTC loan - page 2. (Read 7973 times)

Taking advantage you say? No just using the terms you gave to me when we agreed. And I care about my pockets more than humans? Funny story here. I respect those who deserve to be respected. You have created some type of online identity for yourself with a calm and respectful tone, but you are rather the opposite. You have showed us who you really are in this thread, and if you are worried about my rep going down, no problem, I guess I am the dick here, but hey, getting my name out every few hours at the top of lending because you post a new excuse or extension to the argument? Fine with me.

Oh and I'd like to drop these off here for those who care. Just read the hard facts.

http://gyazo.com/082f2cd63d3b09543552965ae65888b8
--Should take less than a week. Yeah, right. Nearing 2 weeks now.

http://gyazo.com/110b1a846cc9c60045050c24fd4a9215
http://gyazo.com/0cc2214d3d5c59ec175003954dc6116e
--There's no sympathy in business, but I took you in man.
--Oh and that's his situation for those wondering.

http://gyazo.com/8685f6b7b1e48b664176d3d2d436dae5
--So there you go, I responded, giving him a better offer than the rates he gave. From 21% to 10% and 15%.

http://gyazo.com/66363b2cbc25892939175f0df6df17bb
--Then he goes MIA for a bit, getting me worried. But then here he comes, offering me a "no worries" like its nothing.

http://gyazo.com/b3be66e92bb436356ec89bac6af0e645
--Confirmed.

Since then I have been waiting. Hope it turns up someday. I took some of the advice of members here and decided to give him a break and ask for the rest of the interest on the money he owed me to the day he paid the 60.54. That came out to 13 some coins. He is now at 36% on those 13 coins instead of 36% on the 60BTC that we originally agreed on. Just me with my greedy character, eh?

He seemingly accepted my request only to later find out he gave me a whole day. How generous.  I couldn't, there was no possible way with the BTC price increase for me to have it by that date, unless he, you know, gave me a fair payable interest rate.

No place for emotion in business?  Whatever you say, I tend to do business with humans that show human like emotions.  Empathy and compasssion for example.  He's still getting his insane amount of interest paid to him, I really don't see him complaining, so why are you?

That's right, you asked. It's a request. He denied your request. That means you stick to the terms outlined by the original contract. You didn't.

Somehow, he's the person in the wrong? There is no place for emotions in business.

No, my argument is that I was found in a situation after receiving the loan, asked to change the loan terms only to receive a false sense of empathy. Lender replies as if he will be understanding to my scenario only to realize he only gave me an extra day to deposit money which takes half a week. So now here I am, 40 in dwolla, 500 on its way and an ever increasing interest rate because I couldn't get the money to transfer instantly as nckrazze wanted. Am I saying "fuck this guy, I'm not going to pay him"? No, but due to the fact he couldn't change the interest rate as he said he would do, I need much more money which subsequently takes much more time to get.

He's taking advantage of someone who was in a hole in order to further increase his profit margins. Good for him, he cares more about his pockets than helping human beings.  Am I still going to pay him? Yes, but I'll be damn sure to never do business with him again.

Maged, I've thought about that but I really don't care about money that much. Others will see nckrazze's greedy character and karma will always have the last say in the end.

dank, I'd just like to remind you that you can always try to refinance the loan with someone else if you don't like nckrazze's terms. The only problem would be finding someone willing to offer better terms...

Basically your argument is, "Fuck this guy, he is wealthy, so I'll just completely screw over the terms outlined by our contract and keep his coins for an additional few days. My momma died!!!", right?

So, due to the fact that you do not understand my situation, you're going to assume it's some nonexistent issue.  The only clear picture you see is the one you create in your head, forget the fact that you don't know the slightest bit of what happened to me.  I'm sure nckrazze needs his loan to be paid so bad, disregard his statement of having plenty of BTC.

You must be a fanominal therapist to take the time and understand your clients problems so thoroughly.

I'm siding with Scott J. If you don't know what happened, kindly fuck off.  If its that important to you, I will send you a pm detailing my personal life so you can at least know what you're talking about.

Andy, looking back at what you said, I'll give you a refund when you decide to admit you're accusations we're wrong.  You lost it when you said I am not a man of my word and called me a scammer.  Admit that you were the one whom failed to respond, which I've proven over and over again.

Oh, you lost your mother and your arm.  Now I get it.  You must've paid for the funeral services and the hospital bill by yourself, and had a close friend/relative bring your laptop to the hospital for you so that you can be the honorable person that you are and make sure that you informed us about this 'hard situation' even though you're finding it difficult to press the keys, grab some tissues to wipe your tears, and push the morphine button all with one hand.

Really, you're going to go to that level?  Now, if this was actually the case, clearly we wouldn't have been hearing from you all this time.  Actually, I'm very sensitive to those in need, particularly nckrazze who is in need of his loan being repaid.  Actually, I offer a therapy service on this forum for those in need with a 100% satisfaction guarantee (no payment necessary for any reason as stated by the client) that I take very, very seriously.  Now of course, if you actually did lose your mother or an arm in the past two weeks, I'd be extremely sympathetic to your situation.  But, toss in some common sense and add a few peripheral testimonies and evidence from other forum members and we start to see a clearer picture. 


Ohhhhhhh burn.

@nckrazze What's the status on this now? Is dank paying on X date Y?

Maybe this guy has been hounded enough considering he's stated he's going to pay?

The comments about taking personal responsibility when receiving a loan are valid, but I see no reason to continue to argue the point if he's going to pay when he says he will.

Dank - I would just pay your debts as soon as you can and stop arguing with your creditors; it doesn't help you and it doesn't help them.

Dank, you asked for 10% i gave it. I then gave you 15% because 10% didn't work for you. No go on that either, now you have all the time you need.

Of course I didn't make it on time, you gave me a day.  You do realize I was asking for time above anything else, right?  Don't tell someone you'll help them out if your not going to do anything that helps them.

Surely a couple of bitcoins aren't a huge problem for an up-and-coming billionaire?

Your deposit times are not my problem, you should have planned ahead. And yes, I let you off with 10%, but you didn't make it on time, then 15%, and neither did you there.

This is why I prefer to do business with you.

The joint, you must be one of the most insensitive people on these forums.  Your mom died? Too bad, should have thought of that possibility.  Lose an arm?  Not an excuse.

Your character says much about you, another person I will avoid doing business with.

Nckrazze, you let me off a few times?  You gave me an extra day to deposit money. What part of it takes 3-4 days to deposit money do you not understand?

this is what IBB is there for, you could have requested loan from IBB, I had 10 to 15 BTC available, not much but it helps.

"interest free banking in YOUR interest"

Dank I already told you, I am only going off of the terms that YOU agreed on initially for the loan. I let you off a few times, but you were unable to make it in time for the lower rates, so now I am the bad guy here? As the joint said, a loan is a loan, and in this loan, specifically, you should be glad that I have not increased the rate for your tardiness (almost a week now). I've also offered the rate to be compounded now on the money you owe me, about 15+BTC now, but I'll calculate it when you're ready, if ever. You are at 36% now, compounded.

Seriously

Witnessed.

I wish you would have said something sooner.

Here's an example (bolded emphasis mine):


Mt. Gox locked your money up?  You didn't consider this possibility in advance?

A "hard situation?"  Life's tough, get a helmet.

BTC price raise made paying impossible?  BTC has never been volatile in the past?

And then you defer your responsibility onto nckrazze by claiming his choices (as opposed to yours) are the root cause of subsequent delays?

Look dude, when you agree to a loan, you should make sure you have your bases covered.  In the thread where you are requesting a 1-10 mil loan (which is outright laughable), you claim that you 'manage your finances responsibly' or something to that effect.  You can't even 'manage' to pay back a 60 BTC loan in a timely manner, and when YOU, DANK, FAIL to honor your word, you blame your situation on commonplace events and act as though you're a victim of circumstance. 

No, you're a victim of your own financial incompetence.  Read what I said about getting defensive.