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Topic: Banning Newbies from requesting loans? (Read 1279 times)

legendary
Activity: 3136
Merit: 1233
July 17, 2016, 11:14:44 AM
#24
How do you want to enforce this? Give Mods more work?

Here is a radical suggestion. Ban all Bitcoin loans.
We're all (supposed to be) adults. And even if we're not adults, it's a good life lesson to learn with small mistakes before you make big mistakes.
If someone wants to give out a loan, that's entirely their own decision and risk. I've never loaned or borrowed Bitcoins and I don't plan to do so, but if someone else wants to, let them!

Plus, the loan-topics and Trust with it are great to read while eating popcorn!
There's already stickies in the loan section warning people about the dangers of loans. If they're too ignorant to read those or even consider the consequences, then let them be and lose the money. Hopefully then they'll learn from the experience and not be dinguses.
legendary
Activity: 3290
Merit: 16489
Thick-Skinned Gang Leader and Golden Feather 2021
July 17, 2016, 04:35:42 AM
#23
How do you want to enforce this? Give Mods more work?

Here is a radical suggestion. Ban all Bitcoin loans.
We're all (supposed to be) adults. And even if we're not adults, it's a good life lesson to learn with small mistakes before you make big mistakes.
If someone wants to give out a loan, that's entirely their own decision and risk. I've never loaned or borrowed Bitcoins and I don't plan to do so, but if someone else wants to, let them!

Plus, the loan-topics and Trust with it are great to read while eating popcorn!
legendary
Activity: 2744
Merit: 2462
https://JetCash.com
July 17, 2016, 04:21:49 AM
#22
Here is a radical suggestion. Ban all Bitcoin loans.

Toxic debt is destroying the fiat banking system, do we want the same to happen to Bitcoin? If you need a Bitcoin loan, then get a fiat loan, and buy the Bitcoin.
full member
Activity: 224
Merit: 100
July 17, 2016, 02:54:44 AM
#21
We know many people create new accounts just to scam others but I don't believe this is real problem. I have seen on several occasions people buying higher rank accounts and start soliciting for loans with them. I think this are the most dangerous people than the newbies because they will make you believe that they are trusted members yet they just bought the accounts.
sr. member
Activity: 257
Merit: 250
July 17, 2016, 02:36:40 AM
#20
No one is forcing anybody to give out loan,  if you don't want to give loan to newbies don't give,  and stop telling the forum to ban newbies from requesting for loan
legendary
Activity: 1232
Merit: 1030
give me your cryptos
July 17, 2016, 12:39:17 AM
#19
Very relevant and still a suggestion being discussed today.

Sorry for the necropost. Just thought this should be discussed upon more. Please delete this if I'm not allowed.
copper member
Activity: 2870
Merit: 2298
December 02, 2015, 01:28:51 AM
#18
The person who give the loan can decide whether to do or not do. Why everything in life have to be regulated by other people.
The main problem is that newbies were continuously asking for loan without (valid) collateral on this subsection and hence clogs it up. Almost all of the loans weren't approved but they just make a new account and come back. It doesn't matter so much anymore since it has mostly slowed down.

re:your piciture - if someone were to make a long request and someone who is inexperienced were to see the request prior to anyone giving any kind of warning then that person will be able to scam from that inexperienced person.

There are sometimes when I somewhat suspect that someone is making stupid loan requests so they are able to make a bunch of useless posts with their accounts with a paid signature as the number of useless posts (with paid signatures) in threads requesting loans that will never get filled is ridiculous
hero member
Activity: 784
Merit: 500
December 01, 2015, 08:20:12 PM
#17
I dont think this is good idea,
Sometimes people have bad intentions in doing something but in the end he was conscious and returned to the beaten path. #IMO
legendary
Activity: 1302
Merit: 1024
December 01, 2015, 08:11:49 PM
#16
The thing we can do with these newbie is to not allow them to have access on the lending section or even in the marketplace yet until they can reach jr. member or maybe eve better a member account. Banning each newbies that requests loan will take much effort than preventing them. Wink
hero member
Activity: 1036
Merit: 501
December 01, 2015, 07:28:53 PM
#15
The person who give the loan can decide whether to do or not do. Why everything in life have to be regulated by other people.
The main problem is that newbies were continuously asking for loan without (valid) collateral on this subsection and hence clogs it up. Almost all of the loans weren't approved but they just make a new account and come back. It doesn't matter so much anymore since it has mostly slowed down.

I understand there are to much request from account who just created. Maybe good solution if they made that part of the forum only visible if you fit the standards.  Will be much lesser  request for loan.
full member
Activity: 121
Merit: 100
November 30, 2015, 11:12:38 AM
#14
I am 30% in favour of this and 70% in no, reason being, trusted members here need much less often loans than as compared to newbies.
legendary
Activity: 3402
Merit: 1548
Get loan in just five minutes goo.gl/8WMW6n
November 30, 2015, 11:00:13 AM
#13
if newbie ask loan with valid collateral , that very high possibility that he not new "newbie" and it is needed just to fast build trust.
legendary
Activity: 1708
Merit: 1003
November 30, 2015, 09:59:19 AM
#12
Question has been answered and if you try to search further this question has been raised before on a different thread and the replies are same, newbies can post a loan request with a valid collateral. Let us not judge them that they will use their newbie forum account as collateral. You can lock teh thread now.
legendary
Activity: 3276
Merit: 3537
Nec Recisa Recedit
November 30, 2015, 09:23:35 AM
#11

What mean? If some one with high trust or ranking decide to scam Cheesy also a newbie can ask a loan without collateral?
I think that a collateral is a must in every loan transaction, even if "hero" or legendary ranking...
Some times ago I see a "hero" ask for 11 btc .... with collateral = none.
No one give him the loan!
Simply!

No, i don't think so. If someone would scamm you, he could be a brand new as a Legendary. I take two Neg trust for asking for loan in my first post (and i offer a sort of collateral yoo). A today i'm here, and two days ago i had my first loan  and repaid it.

Also in your third request you forget to add a valid collateral.
https://bitcointalksearch.org/topic/m.11346707
shorena told you!
And not have any value if you have repaid another one.... you can scam the same and without a collateral and 0 reputation Smiley


There are a lot of High ranked Member with defaulted Loan or other scamm accusation.
full member
Activity: 126
Merit: 100
Forex Account Manager
November 30, 2015, 07:55:26 AM
#10
No, i don't think so. If someone would scamm you, he could be a brand new as a Legendary. I take two Neg trust for asking for loan in my first post (and i offer a sort of collateral yoo). A today i'm here, and two days ago i had my first loan  and repaid it.

Also in your third request you forget to add a valid collateral.
https://bitcointalksearch.org/topic/m.11346707
shorena told you!
And not have any value if you have repaid another one.... you can scam the same and without a collateral and 0 reputation Smiley


There are a lot of High ranked Member with defaulted Loan or other scamm accusation.
legendary
Activity: 3276
Merit: 3537
Nec Recisa Recedit
November 30, 2015, 07:28:48 AM
#9
No, i don't think so. If someone would scamm you, he could be a brand new as a Legendary. I take two Neg trust for asking for loan in my first post (and i offer a sort of collateral yoo). A today i'm here, and two days ago i had my first loan  and repaid it.

Also in your third request you forget to add a valid collateral.
https://bitcointalksearch.org/topic/m.11346707
shorena told you!
And not have any value if you have repaid another one.... you can scam the same and without a collateral and 0 reputation Smiley


I think this would be a good idea. The loan potential of a Newbie is really rock bottom. Most newbies don't get a loan, although most loan requests are from newbies. Most are just ridiculous loans w/out collateral and any rep whatsoever.

If someone really wants a loan, they can wait three weeks and have a little more trustability.

I think that a newbie can ask a loan, with the right collateral.
It sounds really strange when some one come here and the first topic open, is about a loan request!
They don't know anything about btc and world around this coin, and first action is asking a loan?
I think this type of scammer are pretty stupid, and no one will give a loan, also "experienced" user give a negative trust and all users are informed promptly. 
legendary
Activity: 2954
Merit: 4158
November 30, 2015, 07:24:12 AM
#8
The person who give the loan can decide whether to do or not do. Why everything in life have to be regulated by other people.
The main problem is that newbies were continuously asking for loan without (valid) collateral on this subsection and hence clogs it up. Almost all of the loans weren't approved but they just make a new account and come back. It doesn't matter so much anymore since it has mostly slowed down.
hero member
Activity: 1036
Merit: 501
November 30, 2015, 07:21:34 AM
#7
The person who give the loan can decide whether to do or not do. Why everything in life have to be regulated by other people.
legendary
Activity: 3122
Merit: 1398
For support ➡️ help.bc.game
November 30, 2015, 07:10:20 AM
#6
Well Im disagree with this.

We all don't know the capability of Newbies rank here. Newbies can't be considered as newbies by their forum rank here.

There's no problem if they can show some valid collateral or any factors that lenders requested to get their loans.


legendary
Activity: 952
Merit: 1003
--Signature Designs-- http://bit.ly/1Pjbx77
November 30, 2015, 07:07:31 AM
#5
I think newbies should be allowed to request loans if they provide collateral. I know a lot of newbies don't, then they won't get a loan. It's up to the lenders to accept newbie loans, not the forum to ban newbie loans. The forum has a policy of not intervening with potential scams, such a hyip and ponzi, they certainly would ban small time newbie accounts for requesting loans.
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