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I sent to him 0.003 btc to repay this monday, didnt pay me yet
He its saying, will pay yesterday, today, tomorrow,be careful community while not pay me
Ill inform community as soon as he pay

["Risky" Loan] borrower [marcotheminer] (https://bitcointalk.org/index.php?topic=5118210.0)

From the above thread he was already accused for taking risky loans so it looks like time to tag him now if he istill owe you.[/url]

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Just provide all the details clearly and add enough proof to accuse him as scammer.

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Profile link: https://bitcointalk.org/index.php?action=profile;u=147773 (marcotheminer (https://bitcointalk.org/index.php?action=profile;u=147773))

What is the latest last date of repayment he and you agreed on?

It's very risky at this point to lend him. Make sure you do a proper background check while lending. I am still not able to figure out why he is taking so much loans one after another. If he needs money for a long time he can just increase the duration.

Monday, past. I wouldn't call it risky but I can never be certain with my endeavours. I can only be sure that I will be within the deadline and in some stupid cases, a few days later with late fee. 

He said to pay on Monday (2 days ago), on Monday said cant and will do on Tuesday, on Tuesday said 1 day more or maximum Friday.
I think he will pay, but i alert community while not pay me

Good idea to alert people - as long as there is not major jump from "he's late a couple days with response" to "he's a scammer, get him".

OP, I have the lending section on ignore and thus would have missed a thread if you started one, and in which you lent marcotheminer bitcoin.  So my question is: did you get any collateral from him?

I've no idea whether or not he's going to repay or not, but it's at least somewhat reassuring that he's posting here.  On the other hand, sometimes people who have no intention of repaying a loan have been known to screw with the lenders like that, always saying they're going to pay the lender back and stringing them along before finally defaulting and going away for good.  That happened to me with TimSweat when I got scammed.  So hopefully he'll give you a hard date when he's going to pay you back--and stick to it.

make several loans at the same time and still can not plan the exact date that you will have money to pay... definitely does not sound good

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Just be sure to ask for collateral

Only the one loan.

Repayment today, pending transfer

Not collateral
I just trying to alert community and think its a way of help, say what its happening.
I didnt say its scammer... i just explained the true what its happening, that repaid was on Monday , monday said tuesday.....

Again today not pay, we will see tomorrow ((

Well, it hasn't been 24 hours yet since he wrote his last response, and I don't know if he's located in a different time zone than you, so it's quite possible that it's still "today" in his eyes.  I'm hoping for your sake that that's the case, because I know how much it sucks to get scammed.  Next time, you ought to insist on collateral regardless of a member's trust score.  I only had a brief foray into the world of lending, and I stopped doing it altogether after getting scammed.  It's very risky, which I'm sure you're well aware of.

Also his last online was around 8 hours ago, so I'm guessing he can be in sleeping now in his time zone

https://puu.sh/CZC0y/2ce7e007b1.png

OP. remember everyone has a different time zone here on the forum, let's see what happens "tomorrow".

It's incoming, I'm waiting on a final piece to come in place and we're good.

Sorry about this Roman :/ Never my intention to drag it on more than any deadline, it doesn't serve me any positive. The lateness is out of necessity.

Hopefully this will give a piece of mind for OP.

I was looking at marcotheminer loan history and he was able to pay a loan  URGENT] Loan 0.04/0.05 1 week (https://bitcointalk.org/index.php?topic=5115749.msg50112042#msg50112042), so I think he can pay this smaller loan.

Further, IMO since this is a loan, for late payment it's nice to give some extra amount to compensate the loss opportunity.

I'll be repaying around 0.05BTC. I'm 110% at fault for the lateness here. No worries, it's incoming. Lots of small fuckups on my end (and because my total worth is quite low it adds up and puts me behind, but I'm building that up over time and soon will only ask for serious 0.1+BTC loans (IF I need), with collateral or without).

This is a big red flag to me. It's not the first time (https://bitcointalk.org/index.php?topic=5118210.0) I see a topic about your loans, which I think I can call controversial. If you're building up to a bigger loan, the exit scam risk increases.

Absolutely right. Exit scam risk does increase. Only I know I won't do such a thing, but it's completely understandable/acceptable people have these thoughts/concerns. Can't stop that. :)

No one can say who will turn into scammer. But your recent activity isn't really trustworthy to me. You can take loan if need but if should always keep in touch with lender and you have to convince them why are you not able to repay them. Same thing I did with Darkstar_, I was not able to repay timely and I had extended loan duration although my loan was covered by collateral. So always try to keep yourself transparent. Why lenders need to open thread against you? Because you didn't contact or convince them or they had not got appropriate answer from you.

I am transparent to the loaner. He made this thread regardless of any extension (I have until end of today). That's normal, it's not a sign of anything including that I "didn't communicate" with him, etc.

This man not pay me, saying tomorrow , tomorrow..... last was friday for sure, but again didnt pay me

You forgot to leave a reference link in your feedback :(

It happened.

After Shasan opened a discussion for exposing his doubt about this user, i posted my opinion too: https://bitcointalk.org/index.php?topic=5118210.msg50070020#msg50070020

How is gone is under our eyes  :-X

You can't expect the alledged scammer to have a say in this.

Mind if I give you some unsolicited advice? Stop borrowing money! If you usually can pay back a week later, wait a week with whatever you need the loan for. You'll save a large percentage on interest, you don't damage your reputation, you don't make people worry about their money, and you can still do the same things - just a week later.

That's the risk I take for taking a loan that *could* net me money 1 week in advance. It's business and real life expenses, not some fairytale.

Honestly thanks for the advice, but I do it for a reason not just for the sake of taking a loan.

This looks like the best advice in the thread.

Bitcointalk has a weard rule, here negative tag is weighted more than a positive tag, so just avoid getting in such situations.

This is the purpose of the trust system, to put a red flag where is necessary.

You were expected to payback on one date and you kept to postpone it, day after day how do you think DT can trust this behavior?

I posted https://bitcointalk.org/index.php?topic=5118210.0 before this scam. And many people went against me. But finally, I am right. Though the community becomes save for that post. No one gave any loan to marco. If I didn't make that post then marco could be able to scam more money. I knew according to his behavior (increase loan amount), he must scam today or tomorrow.

@marcotheminer

This is just a tip if only you're still on bringing yourself up from the dumps, never abuse anybody who has given you help fron the time of your needing, don't make a loan that you can't even pay on time. Rascals are fond of doing scams, they don't think that the money they've stole is a money that the lender has worked on.

I once needed a help too, and thank goodness someone helped me even though it doesn't have any collateral. Already repaid it for the reason I might get another help from him again when emergency comes. I think you should think like that too. Abusing other people won't make you rich or something.

I don't consider marco as a borrower. I consider him/her as a scammer when I saw his lending and borrowing thread opened at the same time. And also I noticed s/he is trying to take multi-loan at the same time then I created a post against him/her on reputation board. And finally, s/he proved that s/he is a scammer.

Well, it's way past any deadline that was made public here--did he pay anything back yet?  I left him negative trust, and even if he pays back this loan, I'm thinking it's probably a good idea that marcotheminer has a warning to others on his trust page.  I get the feeling that no matter how many loans he takes and repays, eventually he'll scam on the last one, and that's based on how glib he is with his replies.  That tells me he doesn't give a shit about the lender's time, anxiety, or money.

He has not repaid AFAIK. If he could repay then s/he could update also OP could update. Marco posted on the 7th march that s/he might be able to repay on next day (archived) (https://archive.fo/fMGn8#selection-511.0-486.30) but still not. Actually, that was his/her highest scam attempt.

You just took the only incentive away which OP had.

Good job

Getting a negative trust shouldn't dissuade somebody from acting like a decent person, or doing the right thing.

It shouldn't, but is is worth noting the negative impact on the actual victim here just to fulfill the compulsive need to leave a little red mark by his name. IMO restorative justice > punitive justice

TECSHARE believes his memory is infallible, but most people need help remembering that a certain account did a certain thing in the past.

You keep leaving the warnings, for you are the future, and techy is the past.  :)

Defaulting on a loan is a pretty standard reason to receive a negative trust. It may be argued that it is one of the most objective of standards.

"Negative impact on the actual victim" = "little red mark by his name", does it not?

By giving negative trust to the borrower, cant help anything to the lender and can't make any loss to the borrower. But it can help the future lender or future trader who could be a loser in the near future. So giving negative trust to loan defaulter is a must.

You could give a bit more time.The borrower wouldn't participate in that thread if he wouldn't care about his account

Maybe. Or maybe he's planning a bigger exit scam:

Everyone please stop pretending you care about the borrower. You care about getting your little dopamine hit after leaving a red rating. There is no reason it can't be done later. It is always the same scorched Earth policy around here with very little thought given to the results or effects on the lender.

When "later"? How about the effects on the next lender marco fucks over? This is a classic case of your "standards" being applied - bunch of neutrals as warnings first, then reds upon a clear violation of a contract - and you're still bitching...

"Finally, I am are right".

No, not really - sorry to burst your bubble and don't confirm your scammer-finding-skills, shasan ::). You didn't do anything apart from bring more attention to me and my loan-taking, that's it.

Yeah, yeah, words are nice.  The real question you should answer is whether you're going to pay this loan back or keep stringing him along.  People can criticize anyone giving you a neg for this, but the truth is that you deserve it and people need to be warned about what you're doing.  Stop stringing OP along and just pay him, eh?  Then everyone can worry about how your feedback should be.

A scammer is always a scammer and a trustworthy man can stay trustworthy. A scammer can be proved by a single minute that s/he is a scammer and to proof, trustworthy may take a long time.
So, when there is a suspicious activity people should give neutral and if highly suspension or proved scammer then must tag negatively.

Last time you told I am responsible for negative trust or I only wanted to destroy your account. This time I have not posted before your being tagged.

You have already taken much time, several DT checked how you were delaying. One question: you are a legendary member and don't you know that creating multiple posts on the same row is policy violation?

You took too many times and latter no update on the forum so, all people can think you have defaulted the loan.

Are people who struggles ontime payment all instantly scammers or maybe just people who have difficulty in a good finance management ?

how can anyone know either the borrower struggling to repay on time?

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If you want to mention "marco" then check his last loan request if cant repays this small amount then how s/he could repay 0.33BTC. And on online if you can't repay on time why you will take from here? Why you are not taking from your known person? For a non-collateral loan, you should pay on time at least repay the interest and ask for an extension before getting a warning.

The fact is that nobody has any idea, based on what marcotheminer wrote here, what his intentions are.  I've seen scammers string their victims along just like this--in fact, I don't have to look any further for examples than the time I got scammed for 0.3BTC.  TimSweat said many of the same things to me, and in the end he just took off with the bitcoin and completely scammed me.  If marcotheminer does intend to pay OP back, he should be setting hard deadlines for doing so, and stick to those deadlines.  Instead he's just making vague promises and not paying anything back.

There's no way to know anybody's intentions.  The only thing we can see is someone's actions.  That's what we have to work with, and I've seen enough scamming on bitcointalk to view behaviors like this with extreme skepticism.  This is what everyone should be doing, IMO.  It's also why lenders should always get collateral from borrowers and not rely on someone's trust score or reputation.

Exactly.  But I think Thule is just trolling, as usual.

I really hope you'll prove me wrong!

@marcotheminer
I thought you would repay the loan of Roman1974 in time. I was waiting to change my feedback to positive one but after this, it's hard for me to stay in the thought I was.

I really hope you are trying your best to repay. Please repay the loan amount and take a step to restore the lost reputation. I am assuming you are going true hard time in your real life. If you do, then you need to learn how to balance things. And also don't take anything that you find hard to give back.

You may give any type of feedback. But base on the current situation giving positive will help to scam nothing else. Where did you see his/her good reputation? See his/her feedback there is no positive feedback for the transaction. Those positive feedback for running a campaign and I think those feedback sent by the people when they weren't DT. See DT's current feedback they usually do not give positive feedback to the manager. Giving payment to the participant and make good transaction aren't the same. There is a lot of difference. See the trust rating of zapo (https://bitcointalk.org/index.php?action=profile;u=2015835) and many more. Probably zapo (https://bitcointalk.org/index.php?action=profile;u=2015835) got negative trust when s/he asked a loan. Before asking the loan s/he has not received any negative trust and that person was giving payment on time. So, by this example, I think it is clear to you that sending payment to the participants and making good transaction can't be the same.

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Also, you are aware that marco tried to take another loan of 0.33BTC while there were two active non-collateral loans. Think of yourself what could happen if the loan could be filled.

I am well aware of what I am doing. It's hard to justify people and draw a boarder line. No one knows anyone here in personal life.

You are absolutely right. But in virtual life, we should consider anyone's behavior. How s/he is acting? After a long time Marco came back and from the time of his coming back his/her activity is very much suspicious, all of his activity is matching with scammers especially loan defaulters.

He repaid me with very good %, he repaid 0.05 btcs

Repaid.

what happened to this ?  

I don't know much about lending, but to me you are rather untrustworthy , repaying too late isn't much better than not paying at all , at least how i look at it, and given the fact this is not your first time, i am having a hard time believing that you are not planning for something bigger next time. and since most people do not read neutral feedback, i think one negative should at least stay there , so others know before hand when dealing with you.

i still would still want to hear other member's opinion on this case.

Typical scammer motto "I don't care what anyone thinks - I took care of my needs."

Maybe you should ask OP if it makes a diffrence.

I'm not a big fan of third chances so yeah.

In my experience with him, the true he always answer, he paid with delay, but with very good %
But perphas its a way of prepare a bigger scam, or just its a good man, that have some problems, so he delayed, who knows

Then why this thread???

im looking now how close it, paid me just some hours ago