63$ Loan defaulted by [Rohan Kotkar]

[CYBER_COWBOY]

What happened: 25th April 2023 did i lend out  $55 to Rohan. He also asked me first if he could borrow $100 but I refused and said that $55 is what I can do.
Reference Link: https://bitcointalk.org/index.php?topic=5445759.msg62144289#msg62144289
Amount Scammed: $63
Payment Method: BTC
Proof of Payment: https://bitcointalk.org/index.php?topic=5445759.msg62144289#msg62144289
PM/Chat Logs: PICTURE IN THE MESSAGE
Additional Notes:FLAG https://bitcointalk.org/index.php?action=trust;flag=3179



FLAG https://bitcointalk.org/index.php?action=trust;flag=3179

25th April 2023 did i lend out  $55 to Rohan Kotkar https://bitcointalk.org/index.php?action=profile;u=2690537
He also asked me first if he could borrow $100 but I refused and said that $55 is what I can do. (Why just $55? Because I only dealt with money I could afford to lose)
Here is proof: https://bitcointalk.org/index.php?topic=5445759.msg62144289#msg62144289

He promised to pay back $61.38 not later then 10/05/2023.
When it was time to pay back i had to message him like "Hello you gonna pay back??", the day after he told me he need more time to pay back and wanted to extend the loan, i said ok no problem you can get two weeks more and then the new amount was $63.38.

...Then when it was time to pay back $63.38 he was in silence and I had to spam him on TG to get a reply that was

"I'm really sorry for being irresponsible. There are some things which came out of nowhere and my salary went like nothing. Please be assured, I will payback the amount no matter what.
You can also add up the interest until & unless I pay the whole amount.
Once again, I'm really sorry for the inconvenience"

And that´s okay.. but then I have see he is online on TG and ignoring me, he also have zero interest in solve this.. he not reply to me or coming up with any kind of solution.

I also offered to him that he could pay back like $20 monthly or something like that, but no reply.

I am pretty sure I will never see this money again, and that´s fine its not an big amount.
But now are everyone else warned to not deal with this user at all! (at least for the moment)


Why did I lend out money to a person that just had come back and been inactive?
Yeah I know I did take a risk, but I did not think you could be such a loser so you fooled anyone for $55 (excuse my language) when you had a good standing account that has been around for many years.
But I was wrong!

Please if you gonna reply like "How stupid could you bo lend him money? Blame yourself blabla" don´t reply.
I know its my fault, i know the risk i took. and I hope he will change his mind and pay back. but as it looks now, he has ignored me!
But it would be wrong of me if i did not warn the other people on the forum.

ROHAN IF YOU PAY BACK OF COURSE I REMOVE THIS AND REMOVE THE NEGATIVE FEEDBACK

[1714203452]

1714203452

[Solosanz]

He promise to repay the loan on the last month, I think you're already giving an extra month is good, but yeah he seems want to avoid respond into your chat.

Received.
Will repay on or before 09/05/2023.

I suggest you should create flag type 2 or 3 because you're the victim, I will support it. I'm going to leave a negative feedback to him.

According to feedback on his profile and what he done in this forum, he seems to be a good guy and I expect he should able to pay the loan.

[acroman08]

I suggest following the scam accusation format to properly lay out your reference links, proof of payment, payment method, etc... I also suggest following what Solosanz suggested to you.

the fact that he is online on telegram and is ignoring you shows he has no commitment to resolving the issue.

Code:

[b][color=black]What happened:: [/color][/b]

[b][color=black]Scammers Profile Link: [/color][/b]

[b][color=black]Reference Link: [/color][/b]
[b][color=black]Amount Scammed: [/color][/b]
[b][color=black]Payment Method: [/color][/b]
[b][color=black]Proof of Payment: [/color][/b]
[b][color=black]PM/Chat Logs: [/color][/b]
[b][color=black]Additional Notes: [/color][/b]

[CYBER_COWBOY]

He promise to repay the loan on the last month, I think you're already giving an extra month is good, but yeah he seems want to avoid respond into your chat.

Received.
Will repay on or before 09/05/2023.

I suggest you should create flag type 2 or 3 because you're the victim, I will support it. I'm going to leave a negative feedback to him.

According to feedback on his profile and what he done in this forum, he seems to be a good guy and I expect he should able to pay the loan.

Thank you I will look into it how it works later, I am still a bit new here and never done that.

I suggest following the scam accusation format to properly lay out your reference links, proof of payment, payment method, etc... I also suggest following what Solosanz suggested to you.

the fact that he is online on telegram and is ignoring you shows he has no commitment to resolving the issue.

Code:

[b][color=black]What happened:: [/color][/b]

[b][color=black]Scammers Profile Link: [/color][/b]

[b][color=black]Reference Link: [/color][/b]
[b][color=black]Amount Scammed: [/color][/b]
[b][color=black]Payment Method: [/color][/b]
[b][color=black]Proof of Payment: [/color][/b]
[b][color=black]PM/Chat Logs: [/color][/b]
[b][color=black]Additional Notes: [/color][/b]

Amazing. Thanks!
I will use that if this would happening again.

[steve5946]

He promise to repay the loan on the last month, I think you're already giving an extra month is good, but yeah he seems want to avoid respond into your chat.

Received.
Will repay on or before 09/05/2023.

I suggest you should create flag type 2 or 3 because you're the victim, I will support it. I'm going to leave a negative feedback to him.

According to feedback on his profile and what he done in this forum, he seems to be a good guy and I expect he should able to pay the loan.

Thank you I will look into it how it works later, I am still a bit new here and never done that.

I suggest following the scam accusation format to properly lay out your reference links, proof of payment, payment method, etc... I also suggest following what Solosanz suggested to you.

the fact that he is online on telegram and is ignoring you shows he has no commitment to resolving the issue.

Code:

[b][color=black]What happened:: [/color][/b]

[b][color=black]Scammers Profile Link: [/color][/b]

[b][color=black]Reference Link: [/color][/b]
[b][color=black]Amount Scammed: [/color][/b]
[b][color=black]Payment Method: [/color][/b]
[b][color=black]Proof of Payment: [/color][/b]
[b][color=black]PM/Chat Logs: [/color][/b]
[b][color=black]Additional Notes: [/color][/b]

Amazing. Thanks!
I will use that if this would happening again.

Well, his messages sounds sincere but the fact that he’s not trying to pay little by little as you suggested is weird.


And it seems he’s ignoring your messages on the last part. Maybe tag his profile here, in hope that he sees this thread.

[UserU]

Well, his messages sounds sincere but the fact that he’s not trying to pay little by little as you suggested is weird.

And it seems he’s ignoring your messages on the last part. Maybe tag his profile here, in hope that he sees this thread.

There were senior and trusted members that absconded with public funds when it came to donations, so can't always trust someone even if they sounded sincere.

[steve5946]

Well, his messages sounds sincere but the fact that he’s not trying to pay little by little as you suggested is weird.

And it seems he’s ignoring your messages on the last part. Maybe tag his profile here, in hope that he sees this thread.

There were senior and trusted members that absconded with public funds when it came to donations, so can't always trust someone even if they sounded sincere.

You are right. Most scammers are operating with a higher level accounts and to them it serves as a good cover to scam people.

[shasan]

I am sorry to see such a loss of you. Be careful next time before lending to anyone. Anyway, as it is a pure scam and as you created the scam accusation better create a flag type 3 so that it can be shown as "Trade with the user extreme caution" It will make aware others. I am tagging negatively the user.
You should add the direct reference link instead of the reference page. The reference link is this.

[JeromeTash]

People here scam for even just $5-10, Never take any chances even if the account is of high rank but has been inactive and just woke up or has no reputation at all. Some accounts are hacked into so the thief won't care about the aftermath.

[examplens]

I left them a negative tag. OP, mention me here in case there is a repayment or positive solving of this case so that I can remove the negative tag.

@CYBER_COWBOY, I am sorry for this most likely loss of yours, I think that you will not get your money back. But consider that this is a very useful experience for you, costs you only $55.
I looked at the history of Rohan Kotkar posts, he was almost desperately looking for a loan. His request was ignored by the more experienced members, and that should have been a directive to you as well. He is also almost aggressive towards others when they ask him about collateral, and all this is a red flag for loan approval.

Why lend for such small gains? 6.2$ ?
You can make that with staking on an exchange

In an ideal case: Invested $55 and get a profit of more than 10% in just 15 days. I don't think any regular exchange offers such a profit from staking. How much do you think is realistic to expect for the initial $55?

[coin-investor]

This is where the right use of tag comes in he deserves a red tag for ignoring your request to pay, based on his post history he is planning to take a loan and leave this account for good.

It's good that you decline his request for a big amount but you should have asked for collateral even if it's a small amount,
I guess because it's not a higher rank and he cannot use it to participate in the signature campaign so planned to scam through taking a loan, I hope you'll get that amount back in other ways.

[BitcoinGirl.Club]

25th April 2023 did i lend out  $55 to Rohan Kotkar https://bitcointalk.org/index.php?action=profile;u=2690537
He also asked me first if he could borrow $100 but I refused and said that $55 is what I can do. (Why just $55? Because I only dealt with money I could afford to lose)
Here is proof: https://bitcointalk.org/index.php?topic=5445759.20 (scroll down)

A member account and most importantly a spammers account does not worth $55 so he is not going to give your money back. I am sorry for your lose. Why did you even trust him?

Why lend for such small gains? 6.2$ ?
You can make that with staking on an exchange

Which exchange is going to give you 6.2$ for staking $55? It seems too good to be truth.

Anyway, I left a negative feedback.

I don't see a flag created by you yet. I will suggest to create a flag too.

[PX-Z]

Is this first time you lend money? I suggest not always to be kind, always do background check. A member account without regular source of income, no signature campaign, no offered service or business is a big red flag.

[aioc]

Is this first time you lend money? I suggest not always to be kind, always do background check. A member account without regular source of income, no signature campaign, no offered service or business is a big red flag.

He cannot sell his member account so he resorts to scamming, you should know who to trust you did not even offer collateral he is a scammer waiting to scam anyone based on his posts history, if you are going to offer again I urge you to ask for collateral and do not easily trust if he does not have something to offer like an ongoing business here in Bitcointalk.
Lending is a risky business you should know the business of lending even a long-term lender got scammed so protect your business, it's okay to say no.

[Poker Player]

Why did I lend out money to a person that just had come back and been inactive?

Other than that, the flaw I see is that the borrower did not participate in any signature campaign. He was a member, i.e. lower rank but the loan was low as well. If he came from a time of inactivity it is another red flag, but if he had at least managed to participate in a paid campaign when he asked for the loan, he could have been making $40 or $50 a week, so it would make more sense to pay back the loan in order to continue earning money on the forum. And yet, there are times like that when people scam.

Anyway, I am tagging him too.

[CYBER_COWBOY]

Hi everyone & thanks for all replies!  

Sadly I did not think anyone would cheat somebody for $55. That´s not how my parents teach me how life works when I did grow up.
But of course I  know nothing is 100% & he did talk me over at Telegram and also I think a 5 years old account was not worth leaving behind for $55.
(I did not know so much about merit, rankings & signature campaings at the start)

I was wrong and I have learned a lesson for next time, as I am new here its impossible to know everything from the start, I learn with time and take this as a experience.
I am glad I did deny him when he asked for $100! I see the positive things out of this that it "only" costed me $55 to learn the lesson and not more.  

Its awful that people using honest people to get some money instead of actually do honest work, but but... Also as I said I was thinking if I was gonna do this accusing, I was pretty sure it would make me never see the money again, but IF I did not do it and he scammed somebody else, it would not feel good at all for me!

Wish you all a great day and thanks for all tips and inputs! Its very good information for me for the future.

THANK YOU ALL!

FLAG https://bitcointalk.org/index.php?action=trust;u=2690537;page=iflags


& Thanks Sashan for showing me how I link direct to the message, how is it possible to link direct to a specific message on a site instead of just to the site for the future?
I bee searching for this long but can´t find how to do it

[Helena Yu]

Sadly I did not think anyone would cheat somebody for $55. That´s not how my parents teach me how life works when I did grow up.
But of course I  know nothing is 100% but he did talk me over at Telegram and also I think a 5 years old account was not worth leaving behind for $55.
(I did not know so much about merit, rankings & signature campaings at the start)

I'd say how long the account has been in this forum can't used to trust someone.

But you're not wrong for trusting him because he have 2 positive feedback before, I think other user would also think the user could be trusted for $55. So you're just in bad luck, there's always a risk someone will scam even though they have many positive feedback, participate in signature campaign or have a good reputation.

Don't be surprised, a newbie account could cheat you as low as $1.

[avp2306]

Sadly I did not think anyone would cheat somebody for $55. That´s not how my parents teach me how life works when I did grow up.
But of course I  know nothing is 100% but he did talk me over at Telegram and also I think a 5 years old account was not worth leaving behind for $55.
(I did not know so much about merit, rankings & signature campaings at the start)

I'd say how long the account has been in this forum can't used to trust someone.

But you're not wrong for trusting him because he have 2 positive feedback before, I think other user would also think the user could be trusted for $55. So you're just in bad luck, there's always a risk someone will scam even though they have many positive feedback, participate in signature campaign or have a good reputation.

Don't be surprised, a newbie account could cheat you as low as $1.

Sometimes other people look at the trust score as valid points for them to trust these people and if you look at the defaulters feedback it somehow shows that he pay on his past loans. Maybe he see OP as good target to do his loan and quit scheme. For sure he will never go back here as he do this dumb action.

This is another unfortunate incident happen to a lender and I guess if many like this will happen for sure it can affect the trust of other low rank member to get a loan. Since for sure lenders will doubt to approve their loan due this cases.

[holydarkness]

[...]
& Thanks Sashan for showing me how I link direct to the message, how is it possible to link direct to a specific message on a site instead of just to the site for the future?
I bee searching for this long but can´t find how to do it

If I may jump in, you can get a "direct link" to the message by clicking the top right side of the post you want to be referenced. For example, if I want to use your post as a reference link, I'll right-click that "#16" --marked in green box-- and copy the link.



I hope you didn't have to get to this in the future, but suppose you lend another money to another user and they got defaulted again, or suppose you're raising a flag against someone for whatever reason --not only loan default--, you can ask for support or opposition here. Examplens has done it for you for this case

[CYBER_COWBOY]

[...]
& Thanks Sashan for showing me how I link direct to the message, how is it possible to link direct to a specific message on a site instead of just to the site for the future?
I bee searching for this long but can´t find how to do it

If I may jump in, you can get a "direct link" to the message by clicking the top right side of the post you want to be referenced. For example, if I want to use your post as a reference link, I'll right-click that "#16" --marked in green box-- and copy the link.



I hope you didn't have to get to this in the future, but suppose you lend another money to another user and they got defaulted again, or suppose you're raising a flag against someone for whatever reason --not only loan default--, you can ask for support or opposition here. Examplens has done it for you for this case

Thank you a lot!