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Topic: Restrict newbies from posting in the lending board? - page 5. (Read 1075 times)

legendary
Activity: 1708
Merit: 1187
but then how would the forum would know who to restrict at the get-go? do newbies need to be restricted as a default and would only be exempted once someone, a mod or a staff verified that the newbie was in that board to actually post a lending thread?
If we refer to restrictions on serious discussion and ivory tower boards, the restrictions apply to all newbie accounts and there's no exception even the newbie had 10 positive feedback, become D1 member etc. But this restriction is lighter since they only need to buy a copper membership to post an offer on lending board.

Although someone who bought a copper membership rank aren't always legit, but this might reduce troll because someone can create a new account without pay anything and immediately post a crazy request.
legendary
Activity: 2436
Merit: 1104
If someone registers an account just to request a no-collateral loan then he's not contributing to the forum, he's detracting from it.  If he has collateral, then he can afford to buy a copper membership and post a request for a collateralized loan, or send a specific lender a PM requesting a collateralized loan.  Or, god forbid, he can create an account to actually read, ask questions, learn, and contribute, which may cause him to earn a merit or two.  Then ask for a loan if needed.  
  • Borrowers
    • Should be restricted with some 'not too hard' conditions to be posted in Lending board, I agree with you.
    • Like those Rules for Serious Discussion and Ivory Tower]
    • Quote
      - You must be at least a Jr Member to post in Serious Discussion, and a Full Member to post in Ivory Tower.
  • Lenders
    • Should not be restricted, even they are newbies
but then how would the forum would know who to restrict at the get-go? do newbies need to be restricted as a default and would only be exempted once someone, a mod or a staff verified that the newbie was in that board to actually post a lending thread?
legendary
Activity: 1512
Merit: 4795
Leading Crypto Sports Betting & Casino Platform
Anyone can come to this forum to lend (I do not mean borrow). Very possible that no lenders are newbies, but there is possibility that a newbie can lend to people in need. If this request is granted, this kind of people will be affected.

The second thing is that scam is not moderated. This can make admin and moderators to neglect this request.
hero member
Activity: 1064
Merit: 843
I understand if the moderators don't want to delete the lending post in order to become an evidence if the user ever ask for a loan, but it doesn't make sense how the moderators didn't taking any action when someone ask a loan for 3 times with a different time frame, another solution is lock the topic and the thread will start to down.

Hello i need 0.03 btc loan
Need 0.04 btc
Hello as possible loan 0.03 btc

Asking member to buy a copper membership will make them to spend more money, it's not really good for the borrower.

I can't vote yes or no regarding this matter because I have never lend any single dollar to newbie account. I think we need to wait few veteran lenders if they have experienced to lend a money to newbie account and the newbie pay back the money based on the previous agreement.
sr. member
Activity: 854
Merit: 424
I stand with Ukraine!
If someone registers an account just to request a no-collateral loan then he's not contributing to the forum, he's detracting from it.  If he has collateral, then he can afford to buy a copper membership and post a request for a collateralized loan, or send a specific lender a PM requesting a collateralized loan.  Or, god forbid, he can create an account to actually read, ask questions, learn, and contribute, which may cause him to earn a merit or two.  Then ask for a loan if needed.  
  • Borrowers
    • Should be restricted with some 'not too hard' conditions to be posted in Lending board, I agree with you.
    • Like those Rules for Serious Discussion and Ivory Tower]
    • Quote
      - You must be at least a Jr Member to post in Serious Discussion, and a Full Member to post in Ivory Tower.
  • Lenders
    • Should not be restricted, even they are newbies
hero member
Activity: 1372
Merit: 783
better everyday ♥
I don't know how keen theymos would be to implement this suggestion, but it would be nice if newbies weren't allowed to post in the lending board.  Recently there's been a rash of trolling and spam in the lending board all because (at least one) newbies are refusing to accept reasonable advice or take "no" for an answer.  I'm of the opinion that it's all due to one troll with multiple alts, but that's irrelevant.
+1 for this point, I was thinking of a small case, if the newbie is someone who is willing to lend to make a profit, even though its rate is very low. But if he already has money to lend to others, he can totally afford to put down a small amount of money to become a co-member. So, it is very reasonable to limit newbies in participating in the loan table  Wink

But technically I'm not sure the admin is willing to do it, this forum wasn't originally designed to restrict users to any boards, this requires him to change the code a bit and maybe it's more complicated than we thought  Roll Eyes
hero member
Activity: 700
Merit: 541
Bitcoin Casino Est. 2013
I, too, am in support of this.

Tagging newbie accounts that are looking for a non-collateral loan is pointless because they can easily create another one and continue being a nuisance; restricting them would save DT and lenders a lot of stress.

Just only on the first page you'll see so many newbie with less than 30 posts already looking for loans, take this user for example, he/she has made up to 257 posts in the lending board according to ninjastic.space and the posting still continues even after been tagged he still insist on asking for his £500 loan.
legendary
Activity: 2646
Merit: 3911
+ 1, I support this proposal.
If all newbie members who apply for a loan end up with a negative trust, it is better to restrict posting to jrmember accounts, will greatly reduce spam.

If this is not possible, a warning message like what happens in the Investor-based games board will suffice.
copper member
Activity: 2296
Merit: 4460
Join the world-leading crypto sportsbook NOW!
I don't know how keen theymos would be to implement this suggestion, but it would be nice if newbies weren't allowed to post in the lending board.  Recently there's been a rash of trolling and spam in the lending board all because (at least one) newbies are refusing to accept reasonable advice or take "no" for an answer.  I'm of the opinion that it's all due to one troll with multiple alts, but that's irrelevant.

If someone registers an account just to request a no-collateral loan then he's not contributing to the forum, he's detracting from it.  If he has collateral, then he can afford to buy a copper membership and post a request for a collateralized loan, or send a specific lender a PM requesting a collateralized loan.  Or, god forbid, he can create an account to actually read, ask questions, learn, and contribute, which may cause him to earn a merit or two.  Then ask for a loan if needed.  

Not to mention all the ponzi scammers posing as "businesses" asking for stupid sums, promising stupider returns.

No lenders are giving out loans to these accounts, and I'm guessing most wouldn't miss them from spamming their threads.

Benefits:
  • Less trolling and spam in the lending board
  • Fewer repetitive posts
  • No impact on legitimate lending operations
  • Possible reduction in scams
  • Instant reduction in feeble scam attempts
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