Loan tracking system

[BluIceCube]

I think there should be a formal loan tracking system.
By this, I mean that all loan users making loan requests over PM should be punished or banned (reported by the people giving loans like me). I think all threads on loans and investments should just be a place of advertisement for the service, and where to find information about what the OP has to offer.

As for the actual loan taking place I think there should be a system where there is a list of the user's offering loans and just like the form for contests and give aways, there should be a form for this said loan area where the information about wanting a loan is entered - details like how much you're looking for, ROI, payback date.
This may sound pointless already but the reason for this that i'm thinking is that it could reduce exit scam as user's are only allowed to take out one loan at a time and based on how long the user has been a member on this forum, reactions and vouches can be taken into account to give them a limit on how much they can request. Hopefully this would reduce exit scamming like I said because I just got scammed as I accepted a loan request over PM while somebody else accepted a loan request over PM from the same member and none of us knew that the user had another loan as well, if we did we probably wouldn't have given the money but the idea of this system is to reduce the amount of scam as multiple loans can't be taken out at once.

Sorry if this post was long and I was repeating myself, might have been a little bit confusing too.

 

[Fire]

The forum has to have some freedom. If someone wants to exit scam, they will do anyway. Its up to the person who is loaning the money to be careful, and only loan to people that they are sure can pay back. Ive been there, ive been scammed by someone I gave a loan too, no I’m more careful.

Doing what you said, would make the forum a more automated affair. As for having reputation limits, that shouldn’t be a thing. People should be able to request and give loans at any amount of posts and reactions. What matters is vouches more than anything, its up to the person doing to loan to be sure that they will pay back.

Like anything, giving a loan out is a risk, but that’s the ways things are, you can make money by giving loans out, but there is always the risk of losing some too.

 

[BluIceCube]

Whistleblower policy, just snitch on people who ask for loans through pm.

 

[Fire]

Whistleblower policy, just snitch on people who ask for loans through pm.

We are a forum full of Minecraft players, not undercover officers, looking to catch people out.

 

[JJDAHM]

Whistleblower policy, just snitch on people who ask for loans through pm.

Some people's jobs require them to be paid under the table...

 

[BluIceCube]

Some people's jobs require them to be paid under the table...

What do you mean ?

All I was trying to point out is that this forum needs a clear way of seeing when a loan has been issued by a member. What is stopping me from going to about 10-20 different loaners on here and asking for $5 ? I'm sure i would get $5 but i doubt they would know i got loans off about another 20 people too, thats $100, exit scam and that would be it. Everything is currently going under the radar, there needs to be something that helps reduce scam.[DOUBLEPOST=1467816822][/DOUBLEPOST]

We are a forum full of Minecraft players, not undercover officers, looking to catch people out.

I didn't mean luring people in to get them punished, i meant it's being a good citizen, but on the forum. It's like if you saw someone getting pick pocketed or attacked, im sure you'd go and help them and do the right thing, it's similar in a way.

 

[Mumzel]

The forum has to have some freedom. If someone wants to exit scam, they will do anyway. Its up to the person who is loaning the money to be careful, and only loan to people that they are sure can pay back. Ive been there, ive been scammed by someone I gave a loan too, no I’m more careful.

Doing what you said, would make the forum a more automated affair. As for having reputation limits, that shouldn’t be a thing. People should be able to request and give loans at any amount of posts and reactions. What matters is vouches more than anything, its up to the person doing to loan to be sure that they will pay back.

Like anything, giving a loan out is a risk, but that’s the ways things are, you can make money by giving loans out, but there is always the risk of losing some too.

can't you just send through goods and services and if they DONT repay u chargeback and file a scam report?

 

[Fire]

can't you just send through goods and services and if they DONT repay u chargeback and file a scam report?

PayPal fees

 

[Mumzel]

PayPal fees

If you refund, the fees are removed I believe? Either way you are only losing a bit of money. And if you get your money back, it should cover the fee from the start

 

[BluIceCube]

If you refund, the fees are removed I believe? Either way you are only losing a bit of money. And if you get your money back, it should cover the fee from the start

PayPal fees

can't you just send through goods and services and if they DONT repay u chargeback and file a scam report?

Thanks, i've learn to do good and services now. Even though there is a small charge at least I would be getting something back.

It'd be way to much to keep up with.

I'd reccomend just making your own system and have it on your own site.

loans.yourwebsite.com (or it would be loans.brad.sx is my case)

Also SSenile, i like your idea, i want to look into making a system to do that.

Thanks to all that replied.

User Banned.
Report Closed.