Topic: Be careful of asking Non collateral loans outside the local (Read 509 times)
which is totoo naman ung ibang nag cocomment dun sa thread na yon na prone talaga sa scam ang non collateral loans, pero hindi fair ung pagbibigay sa kanya ng negative trust, pwede naman nila un idecline or ireject bakit need pa bigyan ng neg trust,
Asking no collateral will not be approve ny the lenders for sure because they don't have any things that they can use incase the loaner not pay. If you are have previous experience in loaning with successfully paid maybe even you ask without collateral they can approve your loan. Just be careful for asking loan and choose loan thread you want to loan to not cause any problems.
With collateral it's considered a non risky loan and lenders can make easy money with this.
There's still an element of risk, for example the altcoin could drop 30% or whatever overnight and fall below the original lent amount. It's less risky, but not risk free.
Correct, kahit saan may risk, kahit man nag sell ng coins may risk parin na malugi depende kung anong klaseng coin yun kasi hindi natin alam ang magiging takbo ng market may chance bumaba or tumaas ang presyo kaya hindi mawawala ang risk nayun kaya mainan na pag isipan mabuti at pag aralan kung saan ung hindi masyado malaki ang lugi mo.
Most of the time, wala naman ng sumasali sa bounty campaigns or bumibili ng altcoins to serve as collateral
Hmm, depende siguro sa alt. Kung ang alt offered is eth or other stable alts then probably pwede ito but it was a shittycoin then hindi talaga ito pwede because its value easily vanish in the long run especially kung natapos na ang dump stage ng nasabing coin. Negative trust is given for those who use their account for scamming, cheating at iba pa. It's unfair to the OP na nagrequest lang for a non-collateral loan at nagkaroon agad ng neg trust.
Indeed, though the bad possibilities are there we can't judge unless the violation was already committed. Anyway, di na ba talaga pwede ang non collateral loan? How about Darkstar's services?Depende kasi yan sa nagse-service pero ang magrequest ng non-collateral loan ay bawal na ata.
I don't think the negative trust was really necessary. This is one reason why some users are fighting the trust system.
I agree with this statement (reply) on that thread:
In this industry, if you want to be stay away from getting negative trust, you should be involved in money making communication. Eventhough he is a hero member, DT prevented him to get loan. Why? Because loan without collateral is too risky.I agree with this statement (reply) on that thread:
Quote
A loan request is not automatically a scam attempt. The scam attempts that are frequently seen here are those made by throwaway accounts.
We cannot say that a scammer is not a hero member because many people are scamming using higher accounts. That is why trusts is created.
Most of the time, wala naman ng sumasali sa bounty campaigns or bumibili ng altcoins to serve as collateral
Hmm, depende siguro sa alt. Kung ang alt offered is eth or other stable alts then probably pwede ito but it was a shittycoin then hindi talaga ito pwede because its value easily vanish in the long run especially kung natapos na ang dump stage ng nasabing coin. Negative trust is given for those who use their account for scamming, cheating at iba pa. It's unfair to the OP na nagrequest lang for a non-collateral loan at nagkaroon agad ng neg trust.
Indeed, though the bad possibilities are there we can't judge unless the violation was already committed. Anyway, di na ba talaga pwede ang non collateral loan? How about Darkstar's services? 
It's kinda unfair naman kung bibigyan siya ng Negative trust regarding that post.
It's a request, that's mean kung may kumuha, then it should be granted/funded. Kung wala naman, better luck next time nalang or maghintay hanggang sa may good samaritan na magpapahiram ng pera. Most of the time, wala naman ng sumasali sa bounty campaigns or bumibili ng altcoins to serve as collateral kaya mahirap talagang makapag-loan with collateral especially doon sa
Negative trust is given for those who use their account for scamming, cheating at iba pa. It's unfair to the OP na nagrequest lang for a non-collateral loan at nagkaroon agad ng neg trust. Kasi dati pwede naman talaga ang non-collateral kaso risky because of scammers, ngayon madedefine mo naman kung legit yung account at magkakatiwala through his trust ratings and received merits. Instead of giving him neg trust, pwede namang i-report sa moderator or ask the OP to lock the topic kasi nga hindi na allowed ang non-collateral loan.
It's a request, that's mean kung may kumuha, then it should be granted/funded. Kung wala naman, better luck next time nalang or maghintay hanggang sa may good samaritan na magpapahiram ng pera. Most of the time, wala naman ng sumasali sa bounty campaigns or bumibili ng altcoins to serve as collateral kaya mahirap talagang makapag-loan with collateral especially doon sa
Negative trust is given for those who use their account for scamming, cheating at iba pa. It's unfair to the OP na nagrequest lang for a non-collateral loan at nagkaroon agad ng neg trust. Kasi dati pwede naman talaga ang non-collateral kaso risky because of scammers, ngayon madedefine mo naman kung legit yung account at magkakatiwala through his trust ratings and received merits. Instead of giving him neg trust, pwede namang i-report sa moderator or ask the OP to lock the topic kasi nga hindi na allowed ang non-collateral loan.
Ang problema kasi, maraming mga member dito ang advance mag-isip. They jump into conclusion na mang-iiscam agad ang gumawa ng thread if they ask for a loan na walang collateral. I believe yung mga taong ganitong klase loves to exercise their authority to the point na nawawala na ang sense of reasoning nila. At once they got the authority/power for example, being on DT, eh it boost their ego to exercise it and tagging "possible" scammers na wala pa namang valid evidence. Anyway, just to avoid the drama, need talaga nating iwasan ang mga ganitong situation wherein we ask for a non-collateral loan outside this board.
It's kinda unfair naman kung bibigyan siya ng Negative trust regarding that post.
It's a request, that's mean kung may kumuha, then it should be granted/funded. Kung wala naman, better luck next time nalang or maghintay hanggang sa may good samaritan na magpapahiram ng pera. Most of the time, wala naman ng sumasali sa bounty campaigns or bumibili ng altcoins to serve as collateral kaya mahirap talagang makapag-loan with collateral especially doon sa
Negative trust is given for those who use their account for scamming, cheating at iba pa. It's unfair to the OP na nagrequest lang for a non-collateral loan at nagkaroon agad ng neg trust. Kasi dati pwede naman talaga ang non-collateral kaso risky because of scammers, ngayon madedefine mo naman kung legit yung account at magkakatiwala through his trust ratings and received merits. Instead of giving him neg trust, pwede namang i-report sa moderator or ask the OP to lock the topic kasi nga hindi na allowed ang non-collateral loan.
It's a request, that's mean kung may kumuha, then it should be granted/funded. Kung wala naman, better luck next time nalang or maghintay hanggang sa may good samaritan na magpapahiram ng pera. Most of the time, wala naman ng sumasali sa bounty campaigns or bumibili ng altcoins to serve as collateral kaya mahirap talagang makapag-loan with collateral especially doon sa
Negative trust is given for those who use their account for scamming, cheating at iba pa. It's unfair to the OP na nagrequest lang for a non-collateral loan at nagkaroon agad ng neg trust. Kasi dati pwede naman talaga ang non-collateral kaso risky because of scammers, ngayon madedefine mo naman kung legit yung account at magkakatiwala through his trust ratings and received merits. Instead of giving him neg trust, pwede namang i-report sa moderator or ask the OP to lock the topic kasi nga hindi na allowed ang non-collateral loan.
Kung magloloan make sure talaga na may collateral kang ibibigay doon sa uutangan mo para walang problema. Depende rin kasi kung gaano ka trust yung account mo na kahit wala kang collateral ay mapapautang ka dahil may feedback ka na mapagkakatiwalaan kang tao. Marami rin ang nagloloan ng walang collateral pero nakakakuha sila depende na lang talaga yan sa tao.
Tama, magsisilbing security din yun kung sakalaing ang mag loan ay tatakbo sa kanyang responsibilidad, hindi naman sa nanghuhusga pero madalas kasi mangyari ang ganyan na maghihiram nag walang collateral tapos kakalimitan nlng ang loan, so mas mainam talaga na may collateral para hindi ka mahirapan sakaling tumakbo man ang ng loan sayo.
Kung ako rin naman ang magpapautang e kung wala akong hawak ang magpapautang ng isang bagay na may halaga magkakaroon siya ng doubt. Depende na lang talaga sa tao yan kung magpapautang siya kahit wala ng collateral depende rin kasi sa account mo kung trusted ba ito at nakapagloan kana at nabayaran mo na ito kahit hindi ka nakapag bigay ng collateral. Ingat na lang tayo mga kabayan sa pag aask ng loan.
With collateral it's considered a non risky loan and lenders can make easy money with this.
There's still an element of risk, for example the altcoin could drop 30% or whatever overnight and fall below the original lent amount. It's less risky, but not risk free.
Thanks for the correction, of course you know better as you are in the business and you have experience on what you are sharing.
Yeah, that's less risky that's why the interest is also lower compared to non collateral loan but I would still take a non collateral loan as it's more challenging and lenders will know if you can really be trusted, while we gain trust here, we have a privilege to borrow money easily and that helps when we are in times that we need money.
With collateral it's considered a non risky loan and lenders can make easy money with this.
There's still an element of risk, for example the altcoin could drop 30% or whatever overnight and fall below the original lent amount. It's less risky, but not risk free.
Kung magloloan make sure talaga na may collateral kang ibibigay doon sa uutangan mo para walang problema. Depende rin kasi kung gaano ka trust yung account mo na kahit wala kang collateral ay mapapautang ka dahil may feedback ka na mapagkakatiwalaan kang tao. Marami rin ang nagloloan ng walang collateral pero nakakakuha sila depende na lang talaga yan sa tao.
The real thing here is most of the borrowers wants a non collateral loan, the reason to borrow is they need money, if I have a collateral, I would not take a loan, instead just sell my coins. With collateral it's considered a non risky loan and lenders can make easy money with this.
Actually this is my first time to see a DT tagged a high rank (clean account) for asking a non collateral loan.
He has no trade history but he ranked up to hero member and that requires a long period to do it, and in that long period he has no bad record.
Kung magloloan make sure talaga na may collateral kang ibibigay doon sa uutangan mo para walang problema. Depende rin kasi kung gaano ka trust yung account mo na kahit wala kang collateral ay mapapautang ka dahil may feedback ka na mapagkakatiwalaan kang tao. Marami rin ang nagloloan ng walang collateral pero nakakakuha sila depende na lang talaga yan sa tao.
Actually, multi-factorial since madami ka pwede munang i-consider before making a non-collateral loan. Firstly, check the post history of the person if he/she is active on the forum. Also, tignan niyo din kung sakaling kasali siya sa isang signature campaign since baka dito niya kunin yung ipang-loan niyang pera. In addition, tignan din yung trust-rating nito.
Kung balak mo naman mag-lend sa isang non-collateral loan, make sure yung amount na iririsk niyo ay relatively hindi ganung kalake JUST IN CASE may mangyari mang pang-scam.
Kung balak mo naman mag-lend sa isang non-collateral loan, make sure yung amount na iririsk niyo ay relatively hindi ganung kalake JUST IN CASE may mangyari mang pang-scam.
Well, as far as I've seen within that section, they have already concluded that someone who is yet unknown, and no trust feedback requesting for non collateral loan for the reason of education, medical needs, project needs and others that isnt related to bitcoin,... It is considered as a scam attempt.
If I haven't been in Meta for some quite time and stayed with my low rank, I, too might be given a Red Tag, I almost hardly get one before then even though I reached FM. Just glad that shasan took the risk and lent me some money for my bills.
I can't possibly say that LFC was wrong, in fact, he has a valid reason to do that. Let's just consider that section, to be highly supervised by DTs and Lenders.
If I haven't been in Meta for some quite time and stayed with my low rank, I, too might be given a Red Tag, I almost hardly get one before then even though I reached FM. Just glad that shasan took the risk and lent me some money for my bills.
I can't possibly say that LFC was wrong, in fact, he has a valid reason to do that. Let's just consider that section, to be highly supervised by DTs and Lenders.
At first place, it is a mistake by the OP to apply a loan without any collateral. The OP isn't trusted enough to apply for a non collateral loan.
I don't see any mistake here, this is a loan application and this is not an attempt of scamming.
If only non DT member would tagged him, he would not mind it, but LFC is a DT, that affects a lot to the account as people think DT are always right.
I'm neutral against the negative trust that LFC left to him since both the OP and the DT both did mistakes. OP applying a non collateral loan and the DT who left a neg trust which I think very unfair.
I have to respect LFC as well, we can't dictate a person on what to do but If I'm a DT, I would not tagged it.
Now, if those who trusted LFC think that the trust system has been abuse by him, they can just distrust him so he'll be out in the DT circle (just not sure if the trust system still works that way).
At first place, it is a mistake by the OP to apply a loan without any collateral. The OP isn't trusted enough to apply for a non collateral loan.
I'm neutral against the negative trust that LFC left to him since both the OP and the DT both did mistakes. OP applying a non collateral loan and the DT who left a neg trust which I think very unfair.
I'm neutral against the negative trust that LFC left to him since both the OP and the DT both did mistakes. OP applying a non collateral loan and the DT who left a neg trust which I think very unfair.
Hindi pa ko nagtry magloan at maingat din ako at hindi ako nag-aask sa labas dahil masyadong risky. Pero kung may collateral ka naman ay wala naman sigurong magiging problema doon. May mga lending na hindi na kailangan ng collateral gaya dito sa local thread natin kahit no collateral makakapagloan ang isang miyembro depende rin sa account nila kung magkano ang pwede nilang maloan.
~snip
Just to be safe, request a loan from a lending thread that specify they will accept no collateral loan, like our lending thread here in the forum, and other example from outside lender are threads from shasan,zazarb, darkstar, and direwolf, at least they'll the only one who will judge.
I once took a loan back then (my first loan), Senior member rank that time if I'm not mistaken, without collateral, without any lending history and presto, the loan was filled in just a few minutes.
Not necessary talaga for me na lagyan ng negative trust ang isang user for a no-collateral loan (except newcomers at obvious sh*t).
Sa case dyan sa taas, ang nangyari kasi is "exceptional" dahil na rin siguro sa current status ng account nung borrower, for let's say, ok lang sya mag default since wala rin mawawala sa account. Kumbaga pabenta na. Unlike in my case, kasali ako sa signature campaign that time and talagang active na parang non-sense if sasayangin ko ang account for BTC0.05 (disregarding the rates back then compare today).
Ok lang naman magtry ng no-collateral loan. Minsan may gipit talaga e. Nasa lender naman ang final decision kasi magkakaroon naman ng background check. Mali kasi nitong isa, masyadong mataas ang hinihinging loan and talagang candidate na puwede sya mag default.
Not necessary talaga for me na lagyan ng negative trust ang isang user for a no-collateral loan (except newcomers at obvious sh*t).
Sa case dyan sa taas, ang nangyari kasi is "exceptional" dahil na rin siguro sa current status ng account nung borrower, for let's say, ok lang sya mag default since wala rin mawawala sa account. Kumbaga pabenta na. Unlike in my case, kasali ako sa signature campaign that time and talagang active na parang non-sense if sasayangin ko ang account for BTC0.05 (disregarding the rates back then compare today).
Ok lang naman magtry ng no-collateral loan. Minsan may gipit talaga e. Nasa lender naman ang final decision kasi magkakaroon naman ng background check. Mali kasi nitong isa, masyadong mataas ang hinihinging loan and talagang candidate na puwede sya mag default.
Nakakatakot naman yung ganito, when you are just asking for a loan though I understand naman why he tagged him pero sana matanggal yun once na maging ok naman yung transactions nila. Marami naman kase ang nagloloan ng walang collateral, kaya lang gumawa kase sya ng sarili nyang thread which is open for everyone.
Asking for non collateral loan is allowed in this forum, but giving a negative feedback is also based on the discretion of the user, he can do it based on his judgement of a certain situation. If this negative feedback will allow his chance in signature campaign in the future, that's really bad for him but I guess that is not worse compared to the past rating system and I also think that signature campaign rules has to be revise to in line with the current trust system.
Ang ma advise ko lang lalo na't baguhan na sumubok mag loan kahit dito sa forum try niyo kaya PM yung lender kung papayag ba siya na walang collateral bago mo lapag application sa thread ng lender.
Pero kapag walang cridibiltity talaga yung account niyo mag loan without collateral mas mabuti huwag nalang subokan.
I remember when I was a full member sinubokan ko mag loan ni mdayonliner through asking in telegram account tapos sinabihan lang ako not worth it ang account ko magloan, eh kung padalosdalos pa ako lapag agad application probably may red tag din ako kasi ang alam ko very complicated and mag ask ng loan sa forum lalo na't walang collateral.
Pero kapag walang cridibiltity talaga yung account niyo mag loan without collateral mas mabuti huwag nalang subokan.
I remember when I was a full member sinubokan ko mag loan ni mdayonliner through asking in telegram account tapos sinabihan lang ako not worth it ang account ko magloan, eh kung padalosdalos pa ako lapag agad application probably may red tag din ako kasi ang alam ko very complicated and mag ask ng loan sa forum lalo na't walang collateral.
Wag kasi mag attempt mag loan pag walang collateral. Kung hindi gagawin ng banco de oro, wag ka na rin sumubok mag apply dito.
Correct po! 
Wag kasi mag attempt mag loan pag walang collateral. Kung hindi gagawin ng banco de oro, wag ka na rin sumubok mag apply dito.
Ang usual nga sa aten, pag gusto mo ng payday loan, aken na ang ATM card mo and PIN number diba.. plus kung ano ano pang other requirements.
Ang usual nga sa aten, pag gusto mo ng payday loan, aken na ang ATM card mo and PIN number diba.. plus kung ano ano pang other requirements.
Tama si sir Dabs bakit kapa mangungutang kung wala ka naman palang collateral na maipapakita syempre anung iisipin ng magpapautang sayo wala kang kakayahan magbayad at saka basic rules na ito sa pag loloan. Kaya tama lang din naging decision dun ng DT wag nalang kasi mangutang kung hindi namab importante.
Wag kasi mag attempt mag loan pag walang collateral.
That’s the basic rules at ewan ko ba kung bakit hindi nila maintindihan. Unless trusted ka or may previous loan ka na successful. Then, it’s worth a shot and naka depende na lang sa mga lenders if consider nila.
Edit: Just seen it right now
After a lucky page surf, here's what I've found:
Sorry, without collateral I can’t help, also check your btc address- it’s not btc.
If you can provide a valid collateral I can fill your loan request, I can't grant you no collateral loan because of your account status, sorry. Let me know if you have collateral to offer.
Two previous loan requests from two months prior.
First Time applying for loan due to some personal problem
Loan Amount: 0.03 btc
Reason : Personal
Repayment Amount: 0.036 btc
Repayment Time: 15 days
Collateral : None
BTC address: 0x931d262FB923630A65e3DCfFEF03f2B3d6b72271
Please can i know the status of my Loan Application whether i am eligible for this loan, if yes then i will put the sign message from the walletLoan Amount: 0.03 btc
Reason : Personal
Repayment Amount: 0.036 btc
Repayment Time: 15 days
Collateral : None
BTC address: 0x931d262FB923630A65e3DCfFEF03f2B3d6b72271
Loan Amount: 0.03 btc
Loan Repayment Amount: 0.036 btc
Loan Repayment Date: 15 days
Collateral: none
Bitcoin Address: 1Jx7LFDLnehLiZKux1wHEhgWDdtAEzmE2q
Due to personal problem applying for loan
HI, can i know the status of my loan application,Loan Repayment Amount: 0.036 btc
Loan Repayment Date: 15 days
Collateral: none
Bitcoin Address: 1Jx7LFDLnehLiZKux1wHEhgWDdtAEzmE2q
Due to personal problem applying for loan
Two previous loan requests from two months prior.
It’s definitely a high risk para sa mga lender.
Wag kasi mag attempt mag loan pag walang collateral. Kung hindi gagawin ng banco de oro, wag ka na rin sumubok mag apply dito.
Ang usual nga sa aten, pag gusto mo ng payday loan, aken na ang ATM card mo and PIN number diba.. plus kung ano ano pang other requirements.
Ang usual nga sa aten, pag gusto mo ng payday loan, aken na ang ATM card mo and PIN number diba.. plus kung ano ano pang other requirements.
Hindi fair ang pag kakareceive nya ng negative trust since si LFC bagohang DT member lang magiging isa nanamn ito sa DT abuser.
Nope.
Quote
New feedback
Type:
Type:
- Positive - You think that this person is unlikely to scam anyone.
- Neutral - Other comments.
- Negative - You think that trading with this person is high-risk. You might also be able to add a flag.
For me nag based lang si LFC_Bitcoin sa pagbabago ngayon ng trust system, which is na for me ay wala naman mali and hindi nga lang appropriate or komplikado pa yung bagong trust system, which is na ina-apply pa lang din nila as a pagiging DT member.
Walang mali dahil sinusubukan pa lang natin lahat na intindihin yung new trust system.
Ang intention niya lang naman is maging aware yung mga lender dahil sa pananaw niya na malaki yung pontential na pwedeng maging scam/default yung loan.
I don't think the negative trust was really necessary.
Heavily agree. While probably 95-99%(don't quote me) of the people attempting to make non-collateralized loans are scammer, there's probably still a few that are actually legitimate and that are planning on paying back. While I personally probably wouldn't trust such loans as it's a huge scam potential like LFC_Bitcoin said, automatically tagging a user(especially a decently helpful one) is just making bad assumptions and coming to conclusions a bit too quickly.
Hindi fair ang pag kakareceive nya ng negative trust since si LFC bagohang DT member lang magiging isa nanamn ito sa DT abuser.
Kaya nga binago ang trust system dahil para ma prevent ang mga negative abuser pero ngayon meron nanaman lumabas which is hindi pa napatunayan kung ang nag aask ng loan at mang iiscam talaga.
Hindi ako umaagree sa negative na yun ang dapat na ibigay sa kanya ay neutral lang para iwarn ang ibang mga user at lalo na pag nilagyan ng flag yan abuse na yan.
Dapat hindi pinapasok ang mga bagohan lang tulad nitong si LFC kasi hindi fair mag bigay ng trust feedback.
Kaya nga binago ang trust system dahil para ma prevent ang mga negative abuser pero ngayon meron nanaman lumabas which is hindi pa napatunayan kung ang nag aask ng loan at mang iiscam talaga.
Hindi ako umaagree sa negative na yun ang dapat na ibigay sa kanya ay neutral lang para iwarn ang ibang mga user at lalo na pag nilagyan ng flag yan abuse na yan.
Dapat hindi pinapasok ang mga bagohan lang tulad nitong si LFC kasi hindi fair mag bigay ng trust feedback.
I don't think the negative trust was really necessary. This is one reason why some users are fighting the trust system.
I agree with this statement (reply) on that thread:
I agree with this statement (reply) on that thread:
Quote
A loan request is not automatically a scam attempt. The scam attempts that are frequently seen here are those made by throwaway accounts.
That was the statement of Darkstar I guess and I also agree with that, it's too harsh to neg tagged someone only asking a loan, that is just an application and lender has the option to deny the application. Regardless of the rank, I guess they have evaluate carefully before making a judgement as it would take away the benefits I've mentioned in my first post.
I don't think the negative trust was really necessary. This is one reason why some users are fighting the trust system.
I agree with this statement (reply) on that thread:
I agree with this statement (reply) on that thread:
Quote
A loan request is not automatically a scam attempt. The scam attempts that are frequently seen here are those made by throwaway accounts.
Was Checking the lending section and I saw this thread - Urgently wanted loan to pay Education Fees where the OP susila_bai a Hero Member was neg tagged by a DT for a non collateral loan request.
I know our accounts is very important as we can use it to trade and join signature campaign, so if this negged tag will be on it, it will decrease our opportunity to have successful trade and join a signature campaign.
I'm bringing it up here so you guys will know the possible scenario if you do the same.
I know our accounts is very important as we can use it to trade and join signature campaign, so if this negged tag will be on it, it will decrease our opportunity to have successful trade and join a signature campaign.
I'm bringing it up here so you guys will know the possible scenario if you do the same.
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