Topic: Lending service from newbie (Read 1078 times)

I think he's trying to troll you. If he really wanted to repay the loan, he should have done it by now.

Ok, can you proceed?

Almost 24 hours later and still nothing in the address lol - https://mempool.space/address/1EgbC1EHjqRFYqAiSh1EdNrPQzeSE4cyD6

I have a feeling you have other alts, but we shall get to know them too. it's just a matter of time.

Well, what are you waiting for?

I am back and ready to repay the loan

Hello your lending of newbie ?
What a garanti needed ?

This qualifies for a Type 3 flag.

This is the board you will post the accusation in - https://bitcointalk.org/index.php?board=83.0
This is the format you can use to create the scam accusation - https://bitcointalksearch.org/topic/scam-report-format-use-it-to-make-scam-reports-properly-260073

On papundekli22 trust profile, you can leave him negative feedback using the link of the scam accusation topic as reference. This is the link to his trust profile - https://bitcointalk.org/index.php?action=trust;u=830783

Link to create type 2 flag - https://bitcointalk.org/index.php?action=trust;addflag=830783

The "wife" communicated to me in private what you later read in this thread.

I'm learning and this helps me, next thing to learn: how do you make a scam accusation?

Since the deadline has now passed. Create a scam accusation which you will use to create trust flags (type 1 and Type 2), I will support them. I believe other members will do the same.
Have they communicated to you since the dramatic post they made yesterday?

I haven't received any money back from @papundekli22.

That he is waiting for the deadline, which I think is about a day away.

But it really doesn't matter. With the stupid ass excuse, Papundekli22's "wife" made toward the deadline. That money is gone.  I will be damned if OP gets back even half of that money from Papundekli22

Maybe it about time not to take such earlier warnings and feedback for granted.

Even now the OP still hasn't posted any kind of trust feedback.

I think you are right.
Anaway, wait a moment, until the deadline, then the community can use my 100$ to mark him as a scammer.

I'm afraid you have little choice.  If I were you I would wright off that $100 as an educational expense.  You're unlikely to see a penny returned from that user.  I have little doubt that the account is nothing but a throw-away sockpuppet created to scam some peanuts from an unwitting lender.  The excuse is as flimsy as it gets, and the only reason for logging on and posting was to troll all the neigh-sayers.

Well, this movie just keeps getting more and more interesting 
All eyes on the screen! Don't scratch your eyes even for a second or you will miss a lot

I have some more popcorn here, anybody?

Another sad default story being built up.. cyber cow and g.com new to the loan business thus they got targeted easily. Hope you both recover later.

So your husband is arrested and the first thing he was thinking about was to give you he's login information here so you could inform the kind @gordonics.com that you won't be able to pay back the loan right now?

How was he even able to give out this information to you? Since he is arrested, and specially in the beginning you can't contact anyone, you have one arrive call and that's it, I doubt the first thing that came up in his mind was to tell you to log on here and inform about it.   I been arrested my self a couple of times, not proud of it, opposite, but I really doubt this would be his main focus.

But hey what do I know? I am just another dumb fuck, maybe "your husband" is an honest angel that thinks of everyone else then himself.  '


@gordonics.com : if i was you I should not start a lending business here, it will only give you a lot of headache.

I quote a person who said something very good and true:
And it's so true, I was thinking about this earlier, it's not worth it, save yourself some headache and money instead.  
Even @Sashan is minus to lend out money here, and he is the best lender here without any doubt.

But this forum has so much more things then just lending, a lot of smart people here with a lof of knowledge, if it's something we don't know we can always learn it here, but this lending part is better to stay away from at least that's my opinion.

Cheers buddie, you seems to be a straight up good guy and I don't want to see you lose any money.

I can't accept your terms.

At most I can extend the $100 loan as long as you pay the $35 interest now.
In this case we can consider the $100 as a new 1 month loan with the usual interest.

The repayment address is: 1EgbC1EHjqRFYqAiSh1EdNrPQzeSE4cyD6

Reason>
Hello!
I am writting from my husband´s account. ( We are in trouble. He was arrested.)
But this situation does not change the thing about the loan.
We offer 15% more (150$) => (0.00509791 BTC)


=> Loan Amount : 0,0032855375237955055 BTC (100$)
=> My address : 3AaCZHvhu4FZAkVh3t9wPnpqJuktx345yq
=> repayment amount : 0,004435475657123933 BTC (135$)
=> date for repayment : 28.07.2023
=> link of you profile : https://bitcointalk.org/index.php?
action=profile;u=%20830783
=> Your collateral [/b]: If it possible I choose no collateral option if not then i have NFT collections as collateral or my profile i can use like collateral


=> new date for repayment with :23.08.2023 15%(150$)(0.00509791 BTC)

I hope, that I have been using the correct form of the Loan Request. The payment date is fix:23.08.2023(My pay-day is 22.08.2023then i will exchange money at BTC ATM)

=> Please give the repayment address in PM
=> New date for repayment with :23.08.2023 15%(150$)(0.00509791 BTC)


Thanks for all.

Have a nice day.

Best Regards Papundekli22 wife.

That sounds very good, or maybe Bitcoin Forum could maybe operate its own Exchange given time.

Yes, there'd be the need to limit what is available and to whom, but it could solve a lot of problems like bickering and bad feelings:

Person A asks for a maximum of x in Bitcoins

Person B says 'okay, put your PayPal or Debit Card Payment in your Exchange area and lock it' - that means only the payment/FIAT put in can be taken out and nothing else.

Person A then says 'okay, the payment is active' and presses the 'Exchange for Bitcoins' button.

Person B then presses the 'Exchange for Cash/PayPal/etc.' button.

The exchange is timed to take no longer than an hour, with both parties receiving points which will go towards their credibility and respectability as buyers and sellers - the better the rating, the more trustworthy the person.

Just a thought...

Lol, I referred to myself as cranky, and yes I'm still a cranky Yankee but this's par for the course.  I wouldn't say I've had any tantrums, at least not since 1984 or so.  But it's true, that particular newbie's stubborn ignorance did get me a bit more cranky than usual.  His giddiness at watching the OP shoot himself in the foot isn't elevating my image of him, either.

As you can see, I'm not in the habit of tagging every newbie that asks for an unsecured loan, usually they have to be exceptionally dense to get me motivated enough for that.  Hell, even petulantscumbag34 only just recently got his first tag from me after a year of being an entitled loud-mouthed brat.


Great idea, maybe a thread in meta were we can discuss certain questionable behavior and how to respond in a unified manner.

Don't worry.
You didn't disturb me, on the contrary, I didn't want to waste your time and those who ask me for money.

If you have enough Solana, I think it will be easy to find a loan.

Terribly terribly sorry to the OP for this. Didn't bother reading the entire thread except for page 1.

I apologize sincerely

I haven't started a loan service.
On this thread I'm just gaining experience on this topic.

You have to ask other users in their loan service threads.

Does this mean your still having your temper tantrum (or whatever it was you called it) that you apologised for in another thread?

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Let's show some unity when monitoring potential scams, carpet pulls or deception being undertaken in the lending section.

Show some respect dude, wtf is wrong with people like you.

=> Loan Amount : 0,0016 BTC ($50)
=> My address : bc1qwv2jt5gj3sfu8yqtgmhjudjtn4srt0mkwg9ky2
=> repayment amount : 0,002 BTC ($61)
=> date for repayment : 09.07.2023
=> link of you profile : https://bitcointalksearch.org/user/itdex-2806397
=> Your collateral [/b]: I'd like to request a loan without a collateral if that's okay, if not. I've got SOLANA tokens I'm able to put up as Collateral, and if that's not enough then i'm able to put up my NFTs as collateral ( https://opensea.io/0xAttacker )

hedgefx  explain me this then

why you are asking for soo many loans here

loan after loan

I’m totally agree with you.
I try to ignore him, but is impossibile!
Every time I wrote something or I get a loan, timelord spam my post with his accusations.

Still no word from the "borrower," and now even the lender is too ashamed to log on.  He was in such a hurry to hide in shame that he forgot to post a repayment address.

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Obviously nobody with half a brain wants to test out if your a real borrower with good intentions.  Don't make me regret removing that red-tag, I can very easily replace it with another and you're skating on thin ice as it is.

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@Timelord2067 and @HedgeFx,
You two really need to leave this bickering out of the lending board.  I'm tempted to tell you to get a room, but the reputation board would be suitable as well.

You are wrong , from all your side.
Stop spamming other users post with irrational accusations against me.

i'm not going to send through mail  if you want to see it  tell me your discord/telegram in pm

But you just made a public loan request, shouldn't the collateral also be made public for transparency's sake?

If you really have a valid collateral then I am sure you wouldn't have any problem posting about it here unless if it's not there, or it's something very illegal 
Here is my email, send me the proof and I see [email protected]

if someone needs to shutup it's hedge  
your a guy who lives from loan to loan

yet shasan gives them out free it seems to him

i wonder why  

also direwolf you don't know me you didn't even talk to me yet

so if i say proof  and you say  you don't  how do you know?

i dare you to contact me   give me your contact details

and i will send you the proof you need ...

I'd take any worldly advice from HedgeFx with a healthy dose of salts given HedgeFx repaid two loans yesterday then has immediately taken out yet another loan for the same amount with the same lender barely 200 minutes later.

The amount of their loans and their frequency together with the short intervals of hours or just minutes between repaying then reapplying is indicative of a serious gambling habit.

Hopefully the OP doesn't fall for any more sob story applications.

I agree with HedgeFx, and I warn the OP from sending any kind of loan to the user. The OP has done a mistake previously by sending a loan to a low rank user and if this time he somehow makes the same mistake then his money will be gone forever. I recommend OP to be careful while sending loans, and it's very risky to send loans to low level users because they can run away with your money. You must have to learn about lending better before accepting loan requests, otherwise you will end up losing your money.

This is a shady way for ask loan.

You started your juorney on Bitcointalk asking a 0.025 Bitcoin loan (https://bitcointalksearch.org/topic/m.62454389)  Just wondering how no on tagged you yet!

I'm going to tag you, and suggest DT member to so the same

Hi,

I want to test out if you are a real lender with good intentions.

Let me know what I have to do.

Contact me somehow.
Skype: live:.cid.5f5381fd5f144096

I can not send you PM´s. You disabled it.

If you need BTC you buy BTC with your own money.

What´s the catch?

Imagine I need $100 in BTC.
And then?

How do you proceed? Step by step?

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[moderator's note: consecutive posts merged]

No you don't, but it doesn't matter.  Post a "public loan request form" and you might get it, lol.  

gordonics.com   can you  give me a 500 € loan  i have collateral contact me

i have proof

That's an understatement.

Did you bother looking at the trust page of the borrower?  Did you bother looking up his post history?  No, you say?  It shows.  He's made a total of 16 posts so far this year (with that throwaway account anyway,) four of which were loan requests.  Three got denied, lol. 

It's been nearly 42 hours since you've sent the money, and this worthless account has yet to log on to confirm that he's received your generous gift loan.

I wouldn't hold my breath on that one.

By rights I should have used negative on that one asking for non-collateral loans. No doubt others will too.

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Ive recommended it to Shasan and he seems to be doing it.

@papundekli22 was in my PM's and begged for a loan earlier!
I really hope he pays back this loan to you, it should be enough to get his negative feedback removed from other users maybe..

It's not required, but certainly worth doing.  It helps notify the rest of the community that the member already has an open loan.

Is the tag on a member of the request of a loan in the feedback a task required to the lender?

Do you mean like your two simultaneous loans?


The second loan is now due.

@DireWolfM14
Go tag the borrower so at least people know he has an active loan 

Just my 2 cents: I think you were in too much of a hurry to grant this loan.
I hope I screw up, but the guy had a neg trust released by shasan .
Furthermore, if you go to check the subject's latest activities, you will see that he has received very few merits, which means that  it is an account that is worth little or nothing. I hope I'm wrong and I wish you all the best.

Money sent. This is my first loan, so I'm still a bit slow.
Also, re-check the amount received.

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Some clarifications on this thread: I have not started a loan service, so don't ask me for money, I must first understand how this simple loan will go.
This is still just an experiment to understand the dynamics of the system.

the public loan request form is

=> Loan Amount : 0,0032855375237955055 BTC (100$)
=> My address : 3AaCZHvhu4FZAkVh3t9wPnpqJuktx345yq
=> repayment amount : 0,004435475657123933 BTC (135$)
=> date for repayment : 28.07.2023
=> link of you profile : https://bitcointalk.org/index.php?action=profile;u=%20830783
=> Your collateral [/b]: If it possible i choose no collateral option if not then i have NFT collections as collateral or my profile i can use like collateral

Thans a lot i waiting for transaction
Waiting for your reply have a nice day


Best Regards Papundekli22

I think you doing 100% right, im gonna try follow what you do, sit back and observe and learn until I feel I can walk myself. 

I don't need a loan. I offer money.
But I'm not in hurry with this project. I can wait and learn here.

Whilst I welcome and appreciate Timelord's concerns about safety, I will do any trade on my terms (if I decide to go down that road) and it's up to people interested to accept the terms or not - respect has to be mutual and the understanding has to be there too as well as trust.

At least that way I retain control whilst also allowing the person I deal with the freedom to have a loan accepted.

timelord don't you get tired of those false accusations? because i am ! 

your telling lies  without backing this up with ANY proof
shame  really

What could go wrong? 🤔

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*edit* Misread

You've already been scammed Your "mate" was scammed and you haven't been on the Forum for a week.

PS34, I certainly will if I can send messages (as a newbie, I'm not sure that I have those privileges at the moment..)

If I can then we'll have a chat and arrange something.

GH2022 talk with me if your going to do a loan service   give me your contact details so we can discuss have collateral if needed thanks !

Sounds good.

I had been thinking of doing something similar one day soon - a smaller loan service with Crypto with collateral up to £50.

Hope your idea takes off!

If you're bullish on Bitcoin, i.e. you don't want to sell your stash but you need some $USD right now, it's a good way to leverage your bitcoin.  Many lenders have started to offer stablecoin loans, so that may prompt someone to ask for a loan secured by bitcoin as collateral.  Conversely, if you own and are bullish on an alt-coin, but need some bitcoin you could do the same with ETH (for example) as collateral, and borrow BTC.

As you've likely noticed, most of the borrowers who are granted loans are well established members who are granted relatively small loans without collateral.

If you escrow money then why do you need a loan?

I believe an escrow is the only way to secure me and my counterpart for a newbie account.

If a member has been inactive for a significant amount of time, it can raise concerns as to whether they are the original owner of the account or if they are using a disposable alt account, particularly in the case of newbie accounts.


Sure, it's definitely possible to start a lending service as a newbie without a reputation, but you gotta think about it from the borrower's perspective. Why would they choose to borrow from you and risk their collateral when they have more established lenders to choose from? And if you offer a service without collateral, how will you protect yourself from potential scammers? It's important to consider these factors before starting a lending service.

No one cares about the age, activity, or rank of your account if you are the one taking the risks.  Just don't be a creep, and you'll be able to conduct business without issue.  Look at the other "newbies" offering loans recently; many of them are suspected of pretend to give loans to themselves to feign activity and trust.  It's obvious and untrustworthy.

Non-secured loans (without collateral) are all up to you, make sure to only give those out to trusted individuals that are unlikely to abscond with your money.  If you want to offer secured loans, make sure to contract with a trusted escrow provider.  Obviously you need to trust the escrow agent, and so does the borrower.  If you expect people to send their collateral directly to you, that makes you look like a scammer waiting for an opportunity.  This will change as you gain rank and activity, and the community starts to trust you.  But you must be patient, it's not going to happen over-night, or even within a few months.  It may take years.

Yes, I've been a member for a long time, but for other reasons.

I "woke up" with this idea only recently and I'm trying to understand if it's possible.

Insert sound effects of car skidding then crashing through the "road ends" sign followed by a whistling sound as Wile E. Coyote hurtles to a cataclysmic crash below.






You've just spent the last day or two berating others now you want to offer up your services as a lender?  What's the catch?


I'm just going to place this here for future reference:

When you are lending to someone you need them to get back to you and pay the debt. It's an unknown place, if they never come back then have no option to chase them. For a newbie, not just newbie an old member but does not have much earning (reputation and contribution) from the community has no lose if they never log back to the account after taking your money. As a lender ultimately you lose your money.

I have been in lending business and I can assure you that this is not a profitable business at all. One or two bad borrower will take everything from you that you were able to make (profit) from the entire year. Even you will lose money from your principal too.

Without a collateral never think of a lending business.

I think it is very difficult to start a lending business here without a credible account.
I've been thinking about doing something like this for a long time.
I suppose the idea of offering small loans without guarantees (they are small amounts) to users with good credibility is the only way.


Not to newbies in any case ...




To be clear: I haven't started any loan services in this thread.