Admin Notice: Policy Changed

[Markus_Janus]

Can I earnestly suggest that this policy effect only those loans given following this announcement?

A lot of loans were issued under the idea that there was a measure of security behind it. Much like tech change rules being changed without warning under our feet this change is coming in such a way as to compromise ongoing decisions in the name of making future efforts easier.

^^ This.

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Samura Omotai Zaibatsu.

[Anonymous User]

what about scammed loans which were reported before this notice?

there are 2 scammed loans... i reported... days before you decided to post this.

total 350m credits.


/edit: no more loans anymore...

sorry newbs. cant help ya.

since too many dun pay back.


/edit2: way to be sure you wont be scammed? only way i see make it posible to get ships for warranty.

something like a "movechar" which transfers the ship to the loaner but dun let him fly it...

and yes that idea sounds stupid... but there is no other way.

loaning will simply die

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]

[Cannon]

You can assume that most reported scammed loans will be processed eventually. For the record there have been 21 loan scam reports in the last 3 months. This is a significant percentage of the total number of loans made on the forum.

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Proud member of "the most paranoid group of people in the community"

Old Avatar #2 | Old Avatar #3

[dodike]

loaning will simply die

Irresponsible loaning will.

Even now if I walked into a bank and asked for 8 million euros no bank will lend me that money. Few thousand, yes. But not an insane amount to a person with a low credibility. It's not a risk-free business.

And I don't believe that handing 800 million to newbie for a brand new battleship helps anybody. If you want to help them to set up, lease them a middle sized transport.

[Anonymous User]

You can assume that most reported scammed loans will be processed eventually. For the record there have been 21 loan scam reports in the last 3 months. This is a significant percentage of the total number of loans made on the forum.

i had a few as well.

i mainy gave loans to give newer players a good start here.

i know how boring is was when i started here to get some credits with the low start money.

thats why i just had a interes of 5% per week... thats nothing.

so for me (not saying is so in general) the loanees are the problem.

maybe instead of this - scammers should be sanctioned harder.

not only draw the cash they scammed... give them banns and such stuff.


/edit:

And I don't believe that handing 800 million to newbie for a brand new battleship helps anybody. If you want to help them to set up, lease them a middle sized transport.

not a good idea to do so. ye.

loans for newbies shouldn't be higher than 250m (for a 5k with equiptment)

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[AeternusDoleo]

There's a simple solution to preventing loan scams.

Don't loan out to people you do not know anything about. Real world: Banks will query your credit history, or demand proof of a stable income before loaning out large sums. No trust? No credit. Taking the risk anyway? Expect to get scammed every now and then.

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Wide awake in a world that sleeps, enduring thoughts, enduring scenes. The knowledge of what is yet to come.
From a time when all seems lost, from a dead man to a world, without restraint, unafraid and free.

Mostly retired Discovery member. May still visit from time to time.

[Anonymous User]

idea against scammers.

wont protect against pep who take a loan and leave disco then...


quite simple.

if anyone scams he gets a permabann on everything with the notice in his sancshun thread:

"tell us 1 trader/miner char which will be unbanned. the rest of your chars will be unbanned when the loan is payd back."

and maybe only make little loans (200mil or less) protected by this.

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[Doc Holliday]

loaning will simply die

No, people will be smarter about loaning. I get people in server asking me for loans all the time. I here things like, "I hear Admins give money to start" or "I hear that TAZ loans money." If I've never heard of someone, I'm not giving a loan.

Not to sound mean but there are a lot of people who have their generosity taken advantage of.

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[MFE]Med Force One | Tales of Recovery|Med Force Enterprises

[Anonymous User]

well... I even cannot give loans to pep with some stuff which could be taken... cause i cannot take the stuff myself

a way to be "saver" could be:

-gimme your cap - you get a X cred loan

-you get the ship back when loan is payd back completly


problem here.

how to RP that I have a LNS for example till a loan is payd back? -.-

damn ooRPish

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[VoluptaBox]

I gave loans and I got stung...hard. But I still think this is a good idea, less useless paperwork for the admins.

Possible solutions: only give away small loans. Or, for larger ones ask someone, such as an official faction, to act as a warranty.