Urgently wanted loan to pay Education Fees

marlboroza

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Quote from: DarkStar_ on June 18, 2019, 04:06:47 PM

Quote from: Csmiami on June 18, 2019, 04:05:04 PM

Not sure at all it can be seen as "High-Risk"

I believe the positive trust left here is both counter--productive and a bit childish, it simply makes no sense and makes less sense after this

Quote

I personally wouldn't lend to him either

lemipawa borrowed 0.05BTC from shasan a while back. I wouldn't have lent to them either, but I'm not going to leave a negative trust for that.

Shasan has been scammed several times already. For example, this hero member scammed him for 3+ times lower amount, or, 0.015BTC. It was also no collateral loan so I wouldn't say 0.05BTC is "borderline".

Difference between lemipawa and OP here is that lemipawa has trading experience and they signed message which they used in 2015, in my opinion risk is a way lower but still exist.

edited link.

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Quote from: DarkStar_ on June 18, 2019, 04:16:31 PM

Ehh, I deleted my counter. I still think LFC_Bitcoin's trust feedback is overkill though.

edit: I would consider this moderate risk - not enough for a 'high risk' tag, but not enough for me a leave a 'this user is not a scammer' tag.

I can't help but agree with DarkStar and LFC in this case. LFC is entitled to leave feedback as he sees fit, and I agree this seems like a higher risk loan than I would feel comfortable with. Having said that, the feedback is a bit over the top, and I would not have left it.

I think most lenders accepting no collateral loans here understand the inherent risk, and just like anything else in the crypto world risk only what you can afford to lose.

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Quote from: DarkStar_ on June 18, 2019, 04:16:31 PM

Ehh, I deleted my counter. I still think LFC_Bitcoin's trust feedback is overkill though.

And so do I, but he is the only one who can change that. From the 3 of us he is (I believe) the least active in the Lending board, so I'd ask him again to reconsider leaving a neutral trust rather than neg, but again, that is only up to him.

Now, let's let this thread die (OP please lock it to prevent further damage).

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Ehh, I deleted my counter. I still think LFC_Bitcoin's trust feedback is overkill though.

edit: I would consider this moderate risk - not enough for a 'high risk' tag, but not enough for me a leave a 'this user is not a scammer' tag.

LFC_Bitcoin

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Quote from: DarkStar_ on June 18, 2019, 04:06:47 PM

Quote from: Csmiami on June 18, 2019, 04:05:04 PM

Not sure at all it can be seen as "High-Risk"

I believe the positive trust left here is both counter--productive and a bit childish, it simply makes no sense and makes less sense after this

Quote

I personally wouldn't lend to him either

lemipawa borrowed 0.05BTC from shasan a while back. I wouldn't have lent to them either, but I'm not going to leave a negative trust for that.

Hypothetically, how many out of 10, 0.05BTC no collateral loans from accounts without positive trust & trading history would probably get paid back?
I’d say there’s a high % some wouldn’t so my reasoning for the neg is to warn potential lenders.

This has been done to death now though, I’m not posting in this thread again now.

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Quote from: DarkStar_ on June 18, 2019, 04:06:47 PM

lemipawa borrowed 0.05BTC from shasan a while back. I wouldn't have lent to them either, but I'm not going to leave a negative trust for that.

I'm not saying you would, I'm just saying that the positive trust here is completely absurd, and that the negative trust is a bit overkill.

DarkStar_

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Quote from: Csmiami on June 18, 2019, 04:05:04 PM

Not sure at all it can be seen as "High-Risk"

I believe the positive trust left here is both counter--productive and a bit childish, it simply makes no sense and makes less sense after this

Quote

I personally wouldn't lend to him either

lemipawa borrowed 0.05BTC from shasan a while back. I wouldn't have lent to them either, but I'm not going to leave a negative trust for that.

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Quote from: LFC_Bitcoin on June 18, 2019, 03:50:55 PM

Edited -

Legit neg imo -

Not sure at all it can be seen as "High-Risk"

I believe the positive trust left here is both counter--productive and a bit childish, it simply makes no sense and makes less sense after this

Quote

I personally wouldn't lend to him either

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Quote from: susila_bai on June 18, 2019, 12:45:18 PM

This is not fair I just decently asking loan and nothing and I am getting negative tag.

Life is not fair.

It won't be removed simply because you complain. Try being proactive.

For the next month or so, engage other members asking for no collateral loans, and explain why it's usually a scam. If you can be remorseful, you may get a second chance.

DarkStar_

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Quote from: LFC_Bitcoin on June 18, 2019, 03:50:55 PM

Quote from: DarkStar_ on June 18, 2019, 03:41:24 PM

Quote from: LFC_Bitcoin on June 18, 2019, 03:31:49 PM

Potential lenders can choose to ignore my neg. As a DT member it’s my job to warn others about potentially shady users. This loan request is imo untrustworthy.

I haven’t done a flag.

No, it's your job to leave accurate trust ratings and add people with accurate trust ratings/good judgement onto your trust list.
I left a counter. I think negative trust should be used when the request is entirely unreasonable, and 0.05BTC is *maybe* borderline.

I believe that a no collateral loan request leaves a high % chance of a loan default hence my negative trust rating.
This guy has no trade history & I definitely wouldn’t trust him.

I could see why you’d leave him a neutral rating but you’ve left a positive rating, even if it is a counter I don’t agree with it, sorry.

I think your negative is unfair so thus it's a positive to cancel out the negative. I personally wouldn't lend to him either, but I don't think that it's such an outlandish amount so that it immediately screams 'scam'. You're free to believe what you want to believe, and I'm free to believe what I want to believe.

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Quote from: DarkStar_ on June 18, 2019, 03:41:24 PM

Quote from: LFC_Bitcoin on June 18, 2019, 03:31:49 PM

Potential lenders can choose to ignore my neg. As a DT member it’s my job to warn others about potentially shady users. This loan request is imo untrustworthy.

I haven’t done a flag.

No, it's your job to leave accurate trust ratings and add people with accurate trust ratings/good judgement onto your trust list.
I left a counter. I think negative trust should be used when the request is entirely unreasonable, and 0.05BTC is *maybe* borderline.

I believe that a no collateral loan request leaves a high % chance of a loan default hence my negative trust rating.
This guy has no trade history & I definitely wouldn’t trust him.

You’ve left a positive rating, even if it is a counter I don’t agree with it, sorry.

Edited -

Legit neg imo -

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Quote from: Quickseller on June 18, 2019, 03:34:00 PM

Quote

Every lender has the right to put his/her/their terms. It's up to them if the no collateral loan is worth the risk of getting scammed, rather than trust-farming (what I believe you are suggesting here).

Right, lenders have the right to lend on their own terms as they wish.

The point I was making is that the OPs loan request is not automatically a scam attempt on its face. If someone lends to him, the OP may not repay the loan. But it is not a foregone conclusion that he will run away with whatever money he receives.

Thought you were talking about Darkstar there for given no collateral loans :/

Quote from: LFC_Bitcoin on June 18, 2019, 03:31:49 PM

Potential lenders can choose to ignore my neg. As a DT member it’s my job to warn others about potentially shady users. This loan request is imo untrustworthy.
I haven’t done a flag.

Agreed, potential lenders can ignore the whole trading/trust history, but I don't think being part of DT forces you to go around the forum as a "vigilante" tagging possible scams. Examples:

This is 99.9% scam and should be tagged as so:

Quote from: heshamfx on June 17, 2019, 01:01:51 PM

Hello, and sorry for bothering you all.

I need money to make a surgery I don't know what should I do, I believe that maybe no one will believing me but I am honest and will return the money
in time with profit if this is not urgently I will not ask. I will work to give the money back this is the last place I can go to get a loan because no one

will give me money.

Thanks

This may be a scam, but it's reasonable enough to consider it.

Quote from: susila_bai on June 18, 2019, 07:14:39 AM

Request For a No Collateral Loan

Required BTC Amount: 0.05btc
Reason: Education Loan
Estimated Loan Duration: 15 days
BTC Address: 1Jx7LFDLnehLiZKux1wHEhgWDdtAEzmE2q

Signed Message:

---Address---
1Jx7LFDLnehLiZKux1wHEhgWDdtAEzmE2q

---Message---
This is susila_bai from bitcointalk, applying for a 0.05 BTC loan.Today is 18th of June 2019

---Signature---
IHFZpBvZgleeByCAR6zo5t9EHa4SpkMDVUEcFSU+VT4Ie1T9UrKzlgzLSfvAib93iX/U60UrD31TlOmAveBlGBQ=

In the event of tagging it, a neutral tag stating your thought would be more appropriate here (in my opinion), because like Darkstar says, this is rather "borderline"

This thread should be locked, as it's starting to derail and go off-topic

DarkStar_

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Quote from: LFC_Bitcoin on June 18, 2019, 03:31:49 PM

Potential lenders can choose to ignore my neg. As a DT member it’s my job to warn others about potentially shady users. This loan request is imo untrustworthy.

I haven’t done a flag.

No, it's your job to leave accurate trust ratings and add people with accurate trust ratings/good judgement onto your trust list.
I left a counter. I think negative trust should be used when the request is entirely unreasonable, and 0.05BTC is *maybe* borderline.

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Quote

Every lender has the right to put his/her/their terms. It's up to them if the no collateral loan is worth the risk of getting scammed, rather than trust-farming (what I believe you are suggesting here).

Right, lenders have the right to lend on their own terms as they wish.

The point I was making is that the OPs loan request is not automatically a scam attempt on its face. If someone lends to him, the OP may not repay the loan. But it is not a foregone conclusion that he will run away with whatever money he receives.

LFC_Bitcoin

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Quote from: Quickseller on June 18, 2019, 03:21:19 PM

Quote from: LFC_Bitcoin on June 18, 2019, 03:19:21 PM

Get back in your cave QS, default trust decisions don’t concern you any more.

here is another example from another lender
https://bitcointalksearch.org/topic/m.51396967

There are plenty of examples of people in similar situations as the OP repaying loans similar to what the OP is asking for.

This is in no way an appropriate use of the trust system. The changes to the trust system results in your abuse not having the same impact as before, but this is still abuse.

Potential lenders can choose to ignore my neg. As a DT member it’s my job to warn others about potentially shady users. This loan request is imo untrustworthy.

I haven’t done a flag.

Csmiami

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Quote from: LFC_Bitcoin on June 18, 2019, 03:19:21 PM

Get back in your cave QS, default trust decisions don’t concern you any more.

I'm gonna go with QS here, this is not about DT, but about a no collateral loan.

Quote from: Quickseller on June 18, 2019, 03:21:19 PM

Quote from: LFC_Bitcoin on June 18, 2019, 03:19:21 PM

Get back in your cave QS, default trust decisions don’t concern you any more.

here is another example from another lender
https://bitcointalksearch.org/topic/m.51396967

There are plenty of examples of people in similar situations as the OP repaying loans similar to what the OP is asking for.

This is in no way an appropriate use of the trust system. The changes to the trust system results in your abuse not having the same impact as before, but this is still abuse.

And here I'm gonna go against QS.

Every lender has the right to put his/her/their terms. It's up to them if the no collateral loan is worth the risk of getting scammed, rather than trust-farming (what I believe you are suggesting here).

Please, leave the trust drama for other boards

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Quote from: LFC_Bitcoin on June 18, 2019, 03:19:21 PM

Get back in your cave QS, default trust decisions don’t concern you any more.

here is another example from another lender
https://bitcointalksearch.org/topic/m.51396967

There are plenty of examples of people in similar situations as the OP repaying loans similar to what the OP is asking for.

This is in no way an appropriate use of the trust system. The changes to the trust system results in your abuse not having the same impact as before, but this is still abuse.

LFC_Bitcoin

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Get back in your cave QS, default trust decisions don’t concern you any more.

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Quote from: ?? on ??

Quote from: Quickseller on June 18, 2019, 02:06:40 PM

Quote from: LFC_Bitcoin on June 18, 2019, 09:39:58 AM

I don’t care if it’s a Hero Member, I’m tagging it. If anything it’s more likely somebody will loan him the money because he’s a Hero so as DT1 I owe it to the community to make them aware.

No collateral loan request = Scam potential.

A loan request is not automatically a scam attempt. The scam attempts that are frequently seen here are those made by throwaway accounts.

It may or may not be a good idea to lend to the OP, that is up to potential lenders. There are plenty of people who have received no collateral loans recently.

Also, in general, people asking for loans that warrant a negative rating are typically given the opportunity to first close their thread or offer collateral, or provide a reason why they are not attempting to scam.

I’ll change it to neutral if he locks the thread. He has no positive trust & it’s not a highly respected account so I fail to see why he thinks he can get a loan with no collateral.

Here is an example of someone receiving a loan with nearly zero trading history

Quote from: asu on June 14, 2019, 09:41:01 AM

Quote from: asu on June 07, 2019, 10:27:31 AM

Quote from: DireWolfM14 on June 07, 2019, 09:00:21 AM

Quote from: asu on June 07, 2019, 03:09:59 AM

Hi DireWolfM14!

Username: Asu
Loan Amount: 0.07 BTC
Purpose: Trading
Collateral: None
Repayment date: July 7, 2019
Repayment Amount: 0.075 BTC
Funding Address: ~~1Asu1mGNkLctuTmCebzwPpdRfMemZzobWA~~

change to my binance address: 1McxEqfUwGNXzLRhewqG96aqr5HzEYFknJ

Hi asu,
Thanks for the loan request, I just sent the funds to your binance address. Thanks for signed message you sent via PM, that helps.

Please send your payment to this address: 3MiRqZZ3y1dNqWqi4e1jkSYYPprTzns41b

TxId: 89199ebe401d8162bc2ddf6332eb5498d582a18b4f2a4f5afc04edbb5c063879

Received it!

Thank you DireWolfM14!

Paying my loan today!
As discussed via PM you granted me to have 1% interest if I paid today for a week loan.

Txid:
795daecfe5a20d64bd5961cea8abc57dc4dc72498f5efd523f467bf849cfc47c

Until my next loan again Dire! Thank yah Kiss

The loan was repaid. I wouldn’t personally have lent to either this person or the OP, but I am more conservative as to who I am willing to trust.

It would be insane to trust someone because they are “respected”.

Another example https://bitcointalksearch.org/topic/m.51454283

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Quote from: LFC_Bitcoin on June 18, 2019, 09:39:58 AM

I don’t care if it’s a Hero Member, I’m tagging it. If anything it’s more likely somebody will loan him the money because he’s a Hero so as DT1 I owe it to the community to make them aware.

No collateral loan request = Scam potential.

A loan request is not automatically a scam attempt. The scam attempts that are frequently seen here are those made by throwaway accounts.

It may or may not be a good idea to lend to the OP, that is up to potential lenders. There are plenty of people who have received no collateral loans recently.

Also, in general, people asking for loans that warrant a negative rating are typically given the opportunity to first close their thread or offer collateral, or provide a reason why they are not attempting to scam.

Topic: Urgently wanted loan to pay Education Fees (Read 631 times)