Banning Newbies from requesting loans?

swogerino

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Quote from: LoyceV on July 17, 2016, 03:35:42 AM

How do you want to enforce this? Give Mods more work?

Quote from: Jet Cash on July 17, 2016, 03:21:49 AM

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.

LoyceV

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How do you want to enforce this? Give Mods more work?

Quote from: Jet Cash on July 17, 2016, 03:21:49 AM

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!

Jet Cash

legendary

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https://JetCash.com

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.

Daneric

full member

Activity: 224

Merit: 100

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.

ezehy2014

sr. member

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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

Decoded

legendary

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give me your cryptos

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.

Quickseller

copper member

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Merit: 2374

Quote from: ranochigo on November 30, 2015, 06:24:12 AM

Quote from: onlinedragon on November 30, 2015, 06:21:34 AM

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

sirohige

hero member

Activity: 784

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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

jacee

legendary

Activity: 1302

Merit: 1025

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

onlinedragon

hero member

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Merit: 501

Quote from: ranochigo on November 30, 2015, 06:24:12 AM

Quote from: onlinedragon on November 30, 2015, 06:21:34 AM

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.

healer

full member

Activity: 121

Merit: 100

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.

zazarb

legendary

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Get loan in just five minutes goo.gl/8WMW6n

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.

lemipawa

legendary

Activity: 1708

Merit: 1006

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.

bitbollo

legendary

Activity: 3276

Merit: 3537

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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!

Quote from: PCos on November 30, 2015, 06:55:26 AM

Quote from: bitbollo on November 30, 2015, 06:28:48 AM

Quote from: PCos on November 30, 2015, 05:27:57 AM

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

There are a lot of High ranked Member with defaulted Loan or other scamm accusation.

PCos

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Quote from: bitbollo on November 30, 2015, 06:28:48 AM

Quote from: PCos on November 30, 2015, 05:27:57 AM

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

There are a lot of High ranked Member with defaulted Loan or other scamm accusation.

bitbollo

legendary

Activity: 3276

Merit: 3537

Nec Recisa Recedit

Quote from: PCos on November 30, 2015, 05:27:57 AM

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

Quote from: Decoded on November 30, 2015, 05:00:59 AM

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.

ranochigo

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Quote from: onlinedragon on November 30, 2015, 06:21:34 AM

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.

onlinedragon

hero member

Activity: 1036

Merit: 501

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.

harizen

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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.

medUSA

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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.

Topic: Banning Newbies from requesting loans? (Read 1320 times)