Help!!! Loan repaid but trust ratings not removed

[hilariousandco]

It doesnt really work like that. It took you almost a year to pay back a loan. Looks to me like you've only paid it back because you've realised your account is worth more than what you scammed.

Since he has paid the loan, the negative trust is invalid and it can be changed to neutral. He must have had issues earlier but that makes him untrustworthy but not a scammer. If the negative feedback isn't removed even after paying back the loan, all loan defaulters would giveaway their account instead of paying back their loan. Is this what we want?

No it's not. He took a loan out and promised to pay back a week later but only decides to pay it back a year later when it suits him because it's in his interest to. It's still a scam because he likely had no intention of paying it back and negative can remain because he's untrustworthy.

[KWH]

IRL, you default, your credit takes a hit are are subject to fines, collections and possibly a court case. Even paid back in full, your credit carries the ding for quite some time.
Now for BTC related defaults. There is no real recourse (except the negatives) to collect the defaulted loan. Yes, it's a good thing to finally get repayment but it was done so on the defaulters terms, not the contractual terms agreed to. Is this what we really want? Defaulters deciding to just pop back up years later (maybe wanting to sell the account or it is hacked) when it suits them and to offer repayment to reinstate their Trust? Kind of like paying a penalty to reinstate an account to good standing, although it falsely shows the account in a positive light. If so, forget the contract between creditor and debtor, just roll the dice and see if they may want to pay not not. Lenders should stop lending because the defaulters now arbitrarily dictate the rules of the contract, changing as it suits them.
As far as any negatives, that should be up to the one that left it and the future (although now very suspect) actions of the defaulter.

[Muhammed Zakir]

I know my feedback does nothing, so consider it as a bonus. I forgot to leave a feedback for you but you reminded me by opening this thread. Thank you for that!

[GWGoods]

IRL, you default, your credit takes a hit are are subject to fines, collections and possibly a court case. Even paid back in full, your credit carries the ding for quite some time.
Now for BTC related defaults. There is no real recourse (except the negatives) to collect the defaulted loan. Yes, it's a good thing to finally get repayment but it was done so on the defaulters terms, not the contractual terms agreed to. Is this what we really want? Defaulters deciding to just pop back up years later (maybe wanting to sell the account or it is hacked) when it suits them and to offer repayment to reinstate their Trust? Kind of like paying a penalty to reinstate an account to good standing, although it falsely shows the account in a positive light. If so, forget the contract between creditor and debtor, just roll the dice and see if they may want to pay not not. Lenders should stop lending because the defaulters now arbitrarily dictate the rules of the contract, changing as it suits them.
As far as any negatives, that should be up to the one that left it and the future (although now very suspect) actions of the defaulter.

Not quite true,

IRL if you have difficulties you let the lender know, which he did. They usually help you, give you extra time to pay, set up a payment plan, give you time to speak to charities/citizens advice and usually put a settled statement on your credit file once settled (neutral statement)

On here, if that happens, you get no help, just negative trust and it doesn't ever go to neutral and you get abused by idiots.

Most people or lenders wouldn't even give a shit for such a small amount of money anyway and usually would just write it off. Maybe people on here should show some mercy/trust once in a while. not everyone is perfect and not everyone who has money problems is a scammer.

I am not saying in this case this guy isn't a scammer, looks probable. but in general not everyone.

[--Encrypted--]

Not quite true,

IRL if you have difficulties you let the lender know, which he did. They usually help you, give you extra time to pay, set up a payment plan, give you time to speak to charities/citizens advice and usually put a settled statement on your credit file once settled (neutral statement)

On here, if that happens, you get no help, just negative trust and it doesn't ever go to neutral and you get abused by idiots.

Most people or lenders wouldn't even give a shit for such a small amount of money anyway and usually would just write it off. Maybe people on here should show some mercy/trust once in a while. not everyone is perfect and not everyone who has money problems is a scammer.

I am not saying in this case this guy isn't a scammer, looks probable. but in general not everyone.

IRL you can see the guy's face

added after the response below
alright, maybe not always. but at least they know a lot of informations that you can't fake easily on the internet.
btw, they always know what you looks like.

[OrangeSeller]

Hmmm if you only want it to be remove to join sig campaign then you can join yo bit, bit mixer or fasts lot because they accept a red trust user

[GWGoods]

Not quite true,

IRL if you have difficulties you let the lender know, which he did. They usually help you, give you extra time to pay, set up a payment plan, give you time to speak to charities/citizens advice and usually put a settled statement on your credit file once settled (neutral statement)

On here, if that happens, you get no help, just negative trust and it doesn't ever go to neutral and you get abused by idiots.

Most people or lenders wouldn't even give a shit for such a small amount of money anyway and usually would just write it off. Maybe people on here should show some mercy/trust once in a while. not everyone is perfect and not everyone who has money problems is a scammer.

I am not saying in this case this guy isn't a scammer, looks probable. but in general not everyone.

IRL you can see the guy's face

Not true,

Most loans I have taken out have been online using my bank... Even setting up the bank account was online... infact I have never even been into my bank and have borrowed over £20,000 (thats 126.5 BTC to you guys) and bank with them every month... They have no idea what I look like.

[abacus]

I know my feedback does nothing, so consider it as a bonus. I forgot to leave a feedback for you but you reminded me by opening this thread. Thank you for that!

Well done, I'd have done the same if my feedback had more weight.

It's a bit surprising that only few members — you, hilariousandco and KWH — have recognized here what is IMHO clear enough: a patetic attempt from OP to reset his trust after what he did long time ago.

I hope that Tomatocage will never remove his shining red feedback.

[Digital_Lord]

you should get more..... and erm, the address you got the loan with, it was also used to scam 0.01 a year or so back
https://bitcointalk.org/index.php?topic=592817.msg6575863#msg6575863
https://bitcointalk.org/index.php?action=profile;u=176735

you dont have to thank me guys, just thank me

[chennan]

If OP pay many times than the  original loan amount, he deserve to  get his negative feedback removed! He means to stay here with his original account and rebuild his trust! What is the point to create another account? It is encouaging opening new accounts once his account faces some trustworthy issues. But it is still the same owner.
I suggest OP first discuss with the loaners and get him confirm you paid the loan publicly! You need to provide the tx for the loan repayment and sign a message from the sending address to prove yourself!   

[KWH]

If OP pay many times than the  original loan amount, he deserve to  get his negative feedback removed! He means to stay here with his original account and rebuild his trust! What is the point to create another account? It is encouaging opening new accounts once his account faces some trustworthy issues. But it is still the same owner.
I suggest OP first discuss with the loaners and get him confirm you paid the loan publicly! You need to provide the tx for the loan repayment and sign a message from the sending address to prove yourself!   

So, as long as you pay a penalty, you can erase your negatives? Essentially, you are buying Trust (making it completely worthless) and you are ok with that?

[ibminer]

It doesnt really work like that. It took you almost a year to pay back a loan. Looks to me like you've only paid it back because you've realised your account is worth more than what you scammed.

i was not much active on bitcointalk during this time, and had no money to repay, after i got some money i decided to repay my debt
i want to be active on forum again and want to keep this account  and join signature campaigns

my account is member and i repaid 0.005btc, I also promised to donate extra 0.01btc to any non profit org. that accepts bitcoin donation as soon as i get my first payment from signature campaign

i am just asking for second chance to be a good member of bitcointalk

It is a great day when a scammer is convinced to send the coins back to his victim, even a small amount, but unfortunately its based on his own self-motivated interests. The account has age to it, which adds value, and gives the scammer the potential to increase his activity count easier, skipping up through the ranks to likely scam for a larger amount.

Nevertheless, this repayment doesn't erase the 11 months that it was defaulted with no communication. You clearly had no intention to send the coins back until you realized your account could be used to make much more money than the loan amount, the *promise* of a donation on top of your loan repayment is to gain sympathy, but until your *potential* giveaways start equalling the value of the account, I can't take you seriously. Not to mention, your word/promise at this point means nothing.
All of this makes you extremely untrustworthy.

And on a personal note, I would rather not have an old scammer account posting crap to increase activity and trying to get $$ for a signature campaign. But that's just me. 


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BTW, Post history of accounts should be able to see the 'last edited' date....
https://bitcointalk.org/index.php?action=profile;u=259899;sa=showPosts;start=20
this post history appears like he actually repaid the loan back in 2014... when in fact, we all know that post was edited recently (June 16th, 2015). Just seems like something that should show up in the post history 

[Digital_Lord]

Op did try to scam with an alt about a month or 2 before he did scam
https://bitcointalk.org/index.php?topic=592817.msg6575863#msg6575863

im digging up more dirt on this

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edit: ponzi, scammer https://bitcointalk.org/index.php?topic=488479.0

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edit: descovered another alt: https://bitcointalk.org/index.php?topic=589256.msg6546034#msg6546034
                                        https://bitcointalk.org/index.php?topic=1090571.msg11628611#msg11628611
                                        https://bitcointalk.org/index.php?topic=254871.msg11372943#msg11372943
                                         
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direct link https://bitcointalk.org/index.php?topic=500697.msg5522174#msg5522174


another edit: ok, im finished, cant find anything else, skip that, found another address
ok im done
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More alts found on fanbitcoin.com
another alt? https://bitcointalk.org/index.php?action=profile;u=254843
yet another alt? https://bitcointalk.org/index.php?action=profile;u=265431