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Question: Should we limit the number of active loans per user?
No. As long as he is paying.
Yes, max 1 active loan per user.
Yes, max 2 active loans per user.
Yes, max 3 active loans per user.
Yes, max 5 active loans per user.

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Author Topic: [ANN] BTCJam - Peer to Peer Bitcoin Lending  (Read 204968 times)
Tulkas (OP)
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October 31, 2012, 03:46:33 PM
 #241

It looks as though it drops the rating of people with outstanding loans, possibly to show that they are more of a risk than someone who currently owes nothing?

Lurk, i've sent you a PM, yes the credit rating drop reflects the number of open listings/credit lines you have.

This is not a scammer tag!

BTCJAM - Peer to Peer Bitcoin Lending
https://btcjam.com
Tulkas (OP)
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October 31, 2012, 03:49:54 PM
 #242

is the site down? i deposited some bitcoins to pay off 2 loans and make early payments on another.  I keep getting a message the were sorry something went wrong?
    thanks

Same error here when I try to see the list of payments

PM'd

BTCJAM - Peer to Peer Bitcoin Lending
https://btcjam.com
phantitox
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October 31, 2012, 04:02:12 PM
 #243

so whats your politic about scammer, i mean you guy release info about a user who is scamming ?  im asking this cause i invest and that user got good rating then suddendly he got drop to 0 rate the guy stop paying the due and scamm a few ones, my question is that in some point he got good  rate and that info is in btcjam so if the investor request the info you guys release it?
creativex
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October 31, 2012, 04:41:20 PM
 #244

Good question. At what point does someone's formerly good name get appropriately smeared? Is there a set threshold? Is it a judgement call...and if so who's?

Tulkas (OP)
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November 01, 2012, 02:07:39 AM
 #245



New feature/service!

Users with linked bitcointalk accounts will be tagged scammers here if they default on BTCJam.


BTCJAM - Peer to Peer Bitcoin Lending
https://btcjam.com
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November 01, 2012, 11:12:57 AM
 #246


New feature/service!

Users with linked bitcointalk accounts will be tagged scammers here if they default on BTCJam.


The integration between financial reputation and broader social reputation is fascinating to watch. Imagine if you had to wear a bright orange hat if you went to a pub where you owed loads of people.

Serious reputation models are one of *the* big game-changers coming out of the side of Bitcoin, imho.

blocknois.es Bitcoin music label. ~ New release: This Is Art

Read: Bitcoin Life | Wear: FUTUREECONOMY
phantitox
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November 01, 2012, 03:02:44 PM
 #247



New feature/service!

Users with linked bitcointalk accounts will be tagged scammers here if they default on BTCJam.



still dont solve the issue, ONCES the user run the scamm can you provide the info the that user upload to btcjam? in order to start an investigation, i mean if you guys at least verify the phone number, facebook, and even ID, are you guys willing to release the info in case that the scammed investor ask for it?
Lurk
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November 01, 2012, 05:12:06 PM
 #248

im not scamming and i want to pay my loans.....the site will not let me...im frustrated...that is all
SaintDevil
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November 01, 2012, 05:23:33 PM
 #249

It looks as though it drops the rating of people with outstanding loans, possibly to show that they are more of a risk than someone who currently owes nothing?

Lurk, i've sent you a PM, yes the credit rating drop reflects the number of open listings/credit lines you have.

This is not a scammer tag!

Hm, but that sounds silly. If the person can still pay even if they have a lot of loans and payments are made on the due date then they shouldn't have rating lowered.
On the other hand you could add like a credit score to it, like in real life and reflect that with that.
You look at the person and then you see they have many loans repaid and then you wonder why their rating is so low.

im not scamming and i want to pay my loans.....the site will not let me...im frustrated...that is all
Hey if your username is the same as on btcjam I got a payment from you.
Don't know if that makes a difference with any other loans.

Join pyraming and let someone else host the equipment http://pyramining.com/referral/934khztg6
Only if it's legal where you are: Legal Bud
PM if you need to translate to Russian or the other way around.
Lurk
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November 01, 2012, 05:26:59 PM
 #250

it is the same....but i have i long term loan i owe 4btc on due today....and 2 short term that i want to pay early...to get me all caught up....i dont want my score to drop because of a site malfunction...whenever i click to view info or make payment ...it just says       

    sorry theres been a problem
ercolinux
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November 01, 2012, 05:53:42 PM
 #251

it is the same....but i have i long term loan i owe 4btc on due today....and 2 short term that i want to pay early...to get me all caught up....i dont want my score to drop because of a site malfunction...whenever i click to view info or make payment ...it just says       

    sorry theres been a problem

Same error here since 3 days Sad

Bitrated user: ercolinux.
Lurk
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November 01, 2012, 05:55:25 PM
 #252

i wonder why its only us....youd think it would be a site wide problem if there was something wrong
Tulkas (OP)
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November 01, 2012, 06:34:40 PM
 #253

It looks as though it drops the rating of people with outstanding loans, possibly to show that they are more of a risk than someone who currently owes nothing?

Lurk, i've sent you a PM, yes the credit rating drop reflects the number of open listings/credit lines you have.

This is not a scammer tag!

Hm, but that sounds silly. If the person can still pay even if they have a lot of loans and payments are made on the due date then they shouldn't have rating lowered.
On the other hand you could add like a credit score to it, like in real life and reflect that with that.
You look at the person and then you see they have many loans repaid and then you wonder why their rating is so low.

im not scamming and i want to pay my loans.....the site will not let me...im frustrated...that is all
Hey if your username is the same as on btcjam I got a payment from you.
Don't know if that makes a difference with any other loans.

The total unpaid balance also counts.


BTCJAM - Peer to Peer Bitcoin Lending
https://btcjam.com
Tulkas (OP)
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November 01, 2012, 06:42:43 PM
 #254

i wonder why its only us....youd think it would be a site wide problem if there was something wrong

There was a problem with one investment made by ercolinux to one of your loans.

The problem was the ercolinux investment had 9 decimal places (the underlying bitcoin infrastructure handles 8 digits, not 9) we do the payment splitting with double precision to avoid problems with loans with dozens of investors (or even hundreds). The investment page will be corrected to handle this.

Ercolinux, your investment will be manualy corrected to 8 decimal places and the problem will go away.


BTCJAM - Peer to Peer Bitcoin Lending
https://btcjam.com
Lurk
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November 01, 2012, 06:44:52 PM
 #255

thanks a lot tulkas....i didnt know what was going on
creativex
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November 01, 2012, 07:20:23 PM
 #256

Ah that makes sense.

Appreciate the work you're putting into this Tulkas, despite the rough spots, it's a great project.

Lloyd
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November 01, 2012, 08:41:55 PM
 #257

Tulkas, for the purposes of knowing when a payment is about to be overdue, what timezone do your clocks go by? I thought I read somewhere that your organization is based in São Paulo. Based on Wikipedia, São Paulo's timezone is UTC-3 (DST: UTC-2). Is this is the same timezone you are using? TIA
Lurk
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November 01, 2012, 08:44:19 PM
 #258

he has everything about fixed....im just not seeing an activate button on one of my loans thats funded 100%
Lurk
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November 01, 2012, 09:17:00 PM
 #259

the only bad thing is under my scheduled repayments its showing that i have to pay on loan listing 354....but it was never activated and there isnt an activate button...it just says funding in progress.

  I would like tulkas to cancel this loan and send the investors their money back.......this loan seems to be where the glitch started
Lurk
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November 01, 2012, 09:29:41 PM
 #260

ive never recieved payments for the loan i just tried to activate.....there is another loan that says funding in progress but its showing up under my repayment tab.....

 CANCEL ALL OF MY LOAN REQUESTS    I DO NOT WANT THESE LOANS UNTIL THE BUGS ARE WORKED OUT....I WILL RELIST A LOAN REQUEST WHEN THESE OTHER LOANS ARE DELETED.
   
   PLEASE DO NOT ACTIVATE ANY OF THESE LOANS ONTO MY ACCOUNT... PLEASE CANCEL AND REIMBURSE INVESTORS!!!
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