Topic: Restrict newbies from posting in the lending board? - page 4. (Read 1017 times)

Any non collateral loan request by Jr Memeber and Full Member should not be entertained by the lenders, that simple! I do not think they should be restricted. The might be some who will have the accepted collateral to apply for a loan.

As for newbies, indeed they have made a mess of the lending boards and should be restricted. If not then they would continue with the spam by creating new IDs on that board.

If restricting newbie to post in lending board is too harsh, it's better if the moderators to consider give a temporary ban like a week or two weeks due to spamming. Forum is too friendly for trolls and spammers.

Why should restricting on currency exchange section? I don't see any reason about it, the old or high rank user can ask the newbie to send first or using an escrow. Just be careful if you exchange with PayPal and such which the payment could be revert.

I don't see this matter is a difficult time and the suggestion isn't a difficult decision.

I would also add jr members as well as newbies being banned from posting in the lending section (and there would be a case to make for the currency exchange section being added to that list, too).

It should be like the Investigations board where you need to be at least "Member" rank or above or buy a copper membership to see the Lending board. Besides, most lenders have merit requirements which automatically exclude newbies and junior members anyway.

I'm not supporting this out of the reason to prevent mindless arguments on the Lending board, as much as because newbies are technically shadowbanned already from using the board for its intentional purpose (getting a loan). I feel differently about currency exchange board, because escrow is always possible, whereas the purpose of a loan precludes the use of an escrow in the first place.


In this case though, the only people who are flooding the lending board are not spammers, but rather ironically the demographic that theymos says will go through the trouble to join (scammers, get-rich-quickers, etc.), while it's true that not all scams will be stopped by hiding the Lending board, it will stop the majority of them.

Besides, a person should not join Bitcointalk solely for the purpose of getting a loan, and I'd imagine you'd agree with me on this one too.

Sometimes I find your response is predictable. When I saw this topic title, I thought if LoyceV commented on this post, He must mention theymos and his famous post about restricting newbies. Come on, LoyecV, Upgrade yourself and say something from your perspective (I know you do). I find it helpful to limit newbies from posting on the lending board. It's not like they will be restricted from participating in the forum and not allowed to share their opinion. I mean, I have a point as well. Don't you think so?

You didn't say that. Did you? Oh, I don't think you will say that when you see someone is going to send money to a newbie who doesn't have a good or no forum history. As you said, once in a while, you can't stop responding when you see a newbie want to buy 500000 Bitcoins. It would be best if you didn't stop yourself from responding in such a case as well 

• Laugh at random people less. 

It's only a pity if it turns out that some new users really have an honest initiative to get loans here at the end of their struggle, while we don't know that and can only generalize the assumption that all newbies are suspect. In the end (most cases) we just refuse and laugh it off if they doesn't comply with the default "no collateral, no loan" terms.

Of course I strongly support this proposal, but would this really prevent users from sending requests on other boards?

The fact that this platform gives her members the opportunity to get loan does not mean some people without much activities here would want to abuse or misuse the  it for nothing. Although I align with OP on this matter but I believe lenders should have their own requirements for a borrower meet before getting the loan they applied for.

As a matter of fact, no lender with his or her clear senses would take such risk giving out a loan to a new bie with no much activity and reputation. I termed that a suicide mission for the lender because they would not see anything back in return of the borrower runs away because they would have nothing to loss as the account is of no worth.

If anybody must apply for loan, atleast the person must have been able to attain some rank valid for loan as collateral otherwise nothing for them.

I think that any newbie after reading rules of engagement for loan application on this platform still ignores  and goes further to apply for loan as a new bie should have their account flagged as they have made us believe that they are possible scammers who wants to abscond with funds without much stress and collateral to show for.
It is am intentional act by these newbie account holders to request for loan which they know they are not qualified for.

The ingenuity of your recommendation is something commended and like other members I do align with your idea. Like how reasonable does it seem having someone join an organisation and starting up with a request for a loan from the organization without having contributed in anyway to the development of it. For it therefore entails that your obsession for a loan is what drove your membership interest and nothing more.

There are some other child boards that newbies are restricted from participating with the idea of avoid trolling, spams and the lending board shouldn't be exempted anymore.

It's true the forum wasn't created with the intention of restricting members from accessing certain areas of the forum but unanticipated issues may arise that demands such decision. Like the popular saying goes: difficult times demands difficult decisions.

Sorry to intrude into this matter, for lending I believe they have some specific rules and guidelines or even a regulations that will qualify a user to borrow money from any lending service provider and as I read those rules correctly I noticed it will be too hard for a newbie to apply for a loan as the case may be I don't think if they have a big chance to be approved for the loan if they applied. So is left alone for the lender to decides on whom to give or not although I support your opinion to limits those newbies.

Then for the lenders they should also include something like "Any account that recently changed password or email will not qualify for loan" because those hackers may hack the account and apply for a loan without the lender knowing isn't from the original owner., Or not even allowing an account that just Wake up 2 to 1 month ago to be accepted for a loan despite any amount of merits earned within that few days they shouldn't be accepted for a loan.

I don't see limiting newbies' ability to post in the lending board as having a big affect on the forum.  Certainly not in the way theymos' quoted comments suggests it might.  Real users who create new accounts aren't coming here for handouts, and their ability to ask pertinent questions and learn from the community aren't going to be hampered by the inability to post in the lending board.

As much as I agree with the intent and sentiment of theymos's comment (and I do tremendously,) I don't think this comment applicable to my suggestion.


I'm guilty also, and honestly I feel dirty every time I snap at one of these newbies with the same drivel that I've posted numerous times.  I certainly don't want to give the appearance that I'm spamming my signature all over the lending board, but I'm not so sure others have the same reservation.


I absolutely 100% agree with eddie13 here, but again how applicable is this to the trends of newbies in the lending board?  Most who post a loan request within their first few posts get red-tagged, and don't come back anyway.  Any who come here only for the loan aren't likely to participate in other discussions regardless, so there's nothing lost.  If a newbie comes here only to request a loan and finds that he's incapable of posting a loan request, one of two things are likely to happen: He'll contribute to the forum until he is capable of posting his loan request, or he'll hit the road and never come back.  If it's the former, that would actually help the forum and in the process the newbie might realize there's more to this forum than a potential hand-out.  If it's the latter, then end result is the same as if newbie got red-tagged then took off.  


My suggestion isn't about protecting lenders or preventing defaulted loans, the lenders are quite capable of taking care of themselves.  My suggestion is about reducing spam and trolling, and keeping the lending board a clean and practical place to conduct business.

Like mk4 said, this is a total no-brainer; +1 all day long.

I get that this runs afoul of theymos' mission to make the forum as free as possible, and that is a principle I largely agree with, but there's no universe in which this particular proposal would cause more harm than good.

I've recently come across some threads that were about asking on why some boards were being restricted on newbies, to say the fact it's not every board is a newbie expected to post on because they are just that newbie they were being called, in lending, you will discover many threads whereby a newly registered newbie is demanding for loan permit without even taking his time to read the loan requirements for application, will this type of newbie now finds it a thing to do in reading the forum's rules and regulations if they can even read the rules on the thread they are posting on? Restricting them will do more better in controlling spam and trollings.

I see the benefits but I think a newbie with a valid collateral deserves a loan, provided the lender double checks the validity and the value of the collateral and considers the risks involved to outweigh the benefit of the business.

If the "Guild of Bitcointalk Lenders" make it strict that they will not lend to a newbie without a collateral then I dont think this restriction is necessary. They can weed out these threads or put the pesky newbies on "Ignore" mode.

Usually you can spammed on all social media DMs if you are lender and have those handles. It shows then and there that the person is desperate for money and most of them are without collateral.

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With all due respect, I am pretty sure that all the lenders here would immediately jump in on a loan request from a newbie who provides a valid collateral, if that ever happens in real. I myself would, no shame in that, having a background of being a lender myself.

I support the suggestion. In the month of March, a newbie started a thread in the Beginners and Help board, I guess. He was complaining about how he could not get a loan from the bank after he offered to give them his university certificate as collateral, and he was thinking he could get a non coletaral loan here. Some members were suggesting he go through the lending board, but some members also specifically told him he could not get a loan here either, because he was just a newbie. So what I am trying to say is that some members here just think that any newbie could get a loan on the lending board, and when they make suggestions, they don't specify that a newbie cannot get a non-coletaral loan from the lending board, and it's those kinds of suggestions without warning that bring most of these newbies to the lending board.
 Some newbies are not smart enough to quickly discover the lending board on the first day they join the forum, they are able to do so with the help of some suggestions. it would be good if this your idea is being implemented.

+1 That would make sense because you're gonna need some trust to apply for a loan, it would prevent spamming and tagging which I think is the best thing to do. I mean no one would actually approve a loan of a newbie here for sure.


I guess having a certain number of posts would be great, like 300 post minimum so that they have some leverage to be able to post on the lending section.

This is such a no-brainer that I'm surprised you might be the first one who created this proposal. Agree with hugeblack that posting on the Lending board should be Member rank by default. Jr member rank is still too easy to attain.

+1 full support.

As much as I'd like to see more restrictions for Newbies, I think theymos has a point:

I'd say it's much better if people stop off-topic posts in response. There's no need to tell them they should try their bank because they don't have collateral, and there's no need to tell them they won't get a loan. Just ignore the topic.
The same goes for the Currency exchange board, and I'm guilty of it too. When a Newbie scammer asks to buy 500,000 Bitcoins in cash, once in a while I can't stop myself from responding. As long as scams aren't moderated, I'm with eddie13 on this:

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Look at it from a Newbie's perspective: he joins a forum, and sees all those people loaded with Bitcoin handing out money! "I want in on that!" is a natural reaction.
I think we should stop protecting people from taking risks: if they're dumb enough to send their money to a Newbie with no forum history, they're on their own.

I doubt the rule you want will be implemented. It's obvious that these users asking for no collateral loans have 0 intention to repay the loan they are asking for and it's just as easy for you to skip the thread. Not all newbies are broke either, some may just have the collateral needed for a loan.

I mean the possibility of newbies to lend

Newbies that are not worth borrowing money, nothing to lose. I finalize it as scam attempt. We all know that the possibility of scam is high from the newbies because they have nothing to lose. The reputed members see the posts as unworthy.

+1. Even though chances are slim as we know theymos doesn't like restricting newbies.

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Was there ever a case when newbie created lending topic and actually started lending the money to people in need?


This request has nothing to do with that.