SynOps (OP)
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BitFi Services
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November 28, 2012, 09:57:37 AM Last edit: November 29, 2012, 06:01:13 AM by SynOps |
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How has anyone's experience been using this site. I know it is rather newer. I have been on it a bit, and had some defaulters, but most are paying. And I pay all my loans early.
What is your opinion on this site?
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Even in the event that an attacker gains more than 50% of the network's
computational power, only transactions sent by the attacker could be
reversed or double-spent. The network would not be destroyed.
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Advertised sites are not endorsed by the Bitcoin Forum. They may be unsafe, untrustworthy, or illegal in your jurisdiction.
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MPOE-PR
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November 28, 2012, 01:39:50 PM |
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Wait, you borrow and then lend?
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TheDarKnight
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November 28, 2012, 05:08:05 PM |
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It is a scam site.
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Please consider trading on bter.com via my referral link shown here, it's a great site for profit with a wide selection of currencies and low fees. https://bter.com/signup/1566Ziftrcoin tips please! ZZK4rj1yPRKjmZ26y9tvWq8oeEDUwiV31R
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rini17
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November 28, 2012, 09:21:53 PM |
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I am using it for short term business loan and must say the loan dashboard is utterly confusing and I opted to verify exact loan repayment terms with support. It's loan #517, will post more detailed explanation when i'll be on pc.
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SynOps (OP)
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November 29, 2012, 05:59:38 AM |
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Wait, you borrow and then lend?
No, I keep my Loan book and Lending book separate, or else it would cause me to default if others defaulted, that would be absolutely stupid to do, and be highly unproductive.
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sega01
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November 29, 2012, 06:39:07 AM |
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BTCJam is a great site, but you have to be very careful as an investor. I've lost a lot of Bitcoins to scammers. There are active, repeat scammers who are very creative. Others are just college students looking for handouts who don't intend on paying back. Look for only rated members with an identity that you can fall back on. Best bet is probably to invest in Lurk's many loans; they pay out well for how early he pays them off.
Interface is a little cluedgy in spots, but I think it's good on the whole. I've never asked for a loan on the site, so I can't say from that side of it. Developers are very responsive.
My two bitcents, Teran
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Seal
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December 01, 2012, 12:05:16 AM |
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It is a scam site.
Its not a scam site. It does however have scammers who operate on it, so be careful.
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SynOps (OP)
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December 02, 2012, 01:43:31 PM |
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It is a scam site.
Its not a scam site. It does however have scammers who operate on it, so be careful. I agree , it is NOT a scam site, however as any place, there are scammers present. So yes, be careful who you invest with. And never take out loans to pay other loans you owe on, you will end up with no investors. Keep your loan books and investment loans separate if you deal with both. I have been pretty good success lately on there, so I am happy so far.
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andrew12
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December 02, 2012, 08:47:04 PM |
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I really like the idea, but it seems difficult to get funds for anything unless you have a backup plan for everything.
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TheDarKnight
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December 03, 2012, 12:44:42 AM |
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It is a scam site.
Its not a scam site. It does however have scammers who operate on it, so be careful. So it's a scam site then. If it doesn't say it on the tin then what does it contain? Dummy.
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Please consider trading on bter.com via my referral link shown here, it's a great site for profit with a wide selection of currencies and low fees. https://bter.com/signup/1566Ziftrcoin tips please! ZZK4rj1yPRKjmZ26y9tvWq8oeEDUwiV31R
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Seal
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December 04, 2012, 10:20:16 PM |
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It is a scam site.
Its not a scam site. It does however have scammers who operate on it, so be careful. So it's a scam site then. If it doesn't say it on the tin then what does it contain? Dummy. ... scammers operate on this forum, so by your logic this forum is a scam forum? Learn what btcjam's product is before you criticise it.
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BR0KK
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December 04, 2012, 11:36:09 PM |
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tried it two times and both lenders defaulted .... Nice idea... but not a solution other to get ripped of your money very fast :!
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nobbynobbynoob
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December 04, 2012, 11:50:09 PM |
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I'm somewhat involved with BTCjam and have even done business with SynOps above, who's been shown to be very reliable and honest, from what I've witnessed/experienced. A couple of borrowers have sadly defaulted, although it could just be a late payment issue and they will repay at some point (especially seeing as their ID etc. is verified and they're interested in extending their credit line, which is impossible if you're late paying existing debt). If I wind up losing funds via this site, it will at least be an interesting experience. I could tell a tale in future if one BTC is worth millions of $$$, of how I lost "millions" on a lending site!
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TheDarKnight
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December 08, 2012, 05:04:55 AM |
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It is a scam site.
Its not a scam site. It does however have scammers who operate on it, so be careful. So it's a scam site then. If it doesn't say it on the tin then what does it contain? Dummy. ... scammers operate on this forum, so by your logic this forum is a scam forum? Learn what btcjam's product is before you criticise it. Yes, scammers do operate on this forum - but then I am not recommending people to go about using them and taking them for their word, am I? ? I'm sorry but whoever you are, you are encouraging people to put themselves in financial jeopardy on a site like that. I am testimony to the fact you will get 'don in' on that site as I am already owed at least 15 payments amounting to about half a dozen BTC. Thanks for contradicting me on this...
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Please consider trading on bter.com via my referral link shown here, it's a great site for profit with a wide selection of currencies and low fees. https://bter.com/signup/1566Ziftrcoin tips please! ZZK4rj1yPRKjmZ26y9tvWq8oeEDUwiV31R
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guruvan
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December 08, 2012, 06:19:16 AM |
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Yes, scammers do operate on this forum - but then I am not recommending people to go about using them and taking them for their word, am I? ? Neither is BTCjam, and neither is anyone else recommending to go about taking anyone for their word in finance. Obviously you've not read BTCjam's warnings which are very prevalent, here on this forum, if not on their site. I am seriously considering using BTCjam to raise some funds while raising some funds on Kickstarter (really, to pay for a highly successful kickstarter rewards package) - I prefer Kickstarter's reward model to the BTCjam loan model, but BTCjam's is much quicker to get in gear. Furthermore, it's not the case that every loan that you make will be repaid, but that doesn't make every default a scam. If you make a loan to a startup business, and the business fails, you will likely lose your money, but that doesn't mean you've been scammed. It means that, just like getting scammed, you likely failed to perform due diligence before investing.
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Seal
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December 08, 2012, 11:29:39 PM |
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It is a scam site.
Its not a scam site. It does however have scammers who operate on it, so be careful. So it's a scam site then. If it doesn't say it on the tin then what does it contain? Dummy. ... scammers operate on this forum, so by your logic this forum is a scam forum? Learn what btcjam's product is before you criticise it. Yes, scammers do operate on this forum - but then I am not recommending people to go about using them and taking them for their word, am I? ? I'm sorry but whoever you are, you are encouraging people to put themselves in financial jeopardy on a site like that. I am testimony to the fact you will get 'don in' on that site as I am already owed at least 15 payments amounting to about half a dozen BTC. Thanks for contradicting me on this... Have a re-read TheDarkNight... I have not made any statement 'encouraging people to put themselves in financial jeopardy', neither am i 'contradicting you' so no need to feel insulted. FYI for the record, I am also owed more in defaulted repayments then you are owed, way more than half a dozen BTC. What BTCjam does is called peer to peer lending, its a business model which is well proven and is not a scam which you claim. You sound very disgruntled at the fact you took the financial risk and lost out. Accept it and move on and see the site for what it is instead of labelling it because of your own misfortune. That is slander.
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mjc
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December 24, 2012, 08:41:20 PM |
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I lend there, I look for barrows with a credit rating of 8 and short term loans with good interest rates. So far the loans that have paid have covered the long shoots. Occassionally I will put a small amount on a long shoot. I'm learning all long shots are a waste of time.
There are a number of really good long term loan options as well.
+1 I have had a really good experience there thus far. It is not a scam site.
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felipelalli
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December 27, 2012, 02:55:29 PM Last edit: June 01, 2015, 11:01:40 PM by felipelalli |
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I lost some bitcoins there. It is a pitty. I ask to site send me the Facebook of the guy, but the site never replied my email.
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legitnick
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December 28, 2012, 09:52:02 AM |
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So far I've made every payment on time.
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zaj
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January 03, 2013, 12:44:30 AM |
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if i was you i wouldn't put any coins there. the operators refuse to do anything against scammers even when they have all the info they need. (the taxi company dude even put photos on the website to proof it was legit loan request)
lost 10 out of my 12 coins i put there after about 5 loans of wich 2 defaulted. and i'm not a retard to blindly invest in obvious scams... those are just people borrowing and not paying back because they know the site admins won't do shit either way
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Illimensky
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May 23, 2013, 01:12:14 AM |
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Has anybody every encountered any problems with the level of personal information this website wants?
It seems like you have to submit a considerable amount of information, like your credit score and passport, to get a decent "reputation score".
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Micromancer
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May 23, 2013, 08:51:43 AM |
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I have gotten 3 loans from the site, but i might not be able to pay back one in full... how will it affect my rating on the site if i dont manage to pay it back in full immediately?
but ive only taken a few loans but it has worked out awesome, but i think i may have been slightly too generous with the interest rate on the last loan =/
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Wattda
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November 19, 2014, 05:09:35 PM Last edit: November 19, 2014, 09:56:02 PM by Wattda |
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I have been on the site for a month and have loaned out .7 btc right now I am having a problem getting it to withdraw my funds? Here the message I am getting .... "Error executing transaction". I have sent emails for a few days and I am not sure if I am getting the blow off. I will keep everyone posted. Wattda
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canadian1969
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November 25, 2014, 02:05:22 PM |
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Wattda
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November 26, 2014, 11:39:11 PM |
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Ok guys my issue has been resolved and I am cool with the outcome. Now I only have to worry about the dead beets that won't pay back their loans. The joys of being a banker
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Jay_Pal
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November 27, 2014, 01:19:11 PM |
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Now I only have to worry about the dead beets that won't pay back their loans.
That, will never be solved. They request lot's of information and confirmations and blabla. But when it comes to people not paying back their loans, it is us who get's burned, not btcjam. At least, btcjam would pay us the initial investment and go after the person. In the current model, all that information is simply useless. BTCJam, you caught me once, you won't catch me again.
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Wattda
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December 06, 2014, 04:37:48 PM |
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I think I am going to stop investing until they (btcjam) can share the loses.
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BTC_ISTANBUL
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December 10, 2014, 08:16:58 AM |
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BTC Jam is a good and usefull site.Of course there are many abusers.
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Willisius
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I'm really quite sane!
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December 15, 2014, 08:07:24 AM |
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Now I only have to worry about the dead beets that won't pay back their loans.
That, will never be solved. They request lot's of information and confirmations and blabla. But when it comes to people not paying back their loans, it is us who get's burned, not btcjam. At least, btcjam would pay us the initial investment and go after the person. In the current model, all that information is simply useless. BTCJam, you caught me once, you won't catch me again. This can be solved by BTCjam collecting on the loans themselves instead of forcing the individual lenders collecting on them individually. The fact that lenders need to collect on defaulted loans means that collecting on defaulted loans is almost always not economical so lenders will not even attempt to do so
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bitcoinmining
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December 27, 2014, 08:45:59 PM |
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I think I am going to stop investing until they (btcjam) can share the loses.
What happened to your loses, isn't there any punishment for abusers on that site?
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sethminer14
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January 04, 2015, 12:50:17 AM |
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its a good site as long as you make sure you are dealing with reputable people. If not, be warned of extra extra scam.
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clementinal
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January 07, 2015, 10:15:57 AM |
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The amount of scammers is scary over there
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aniltarnal
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January 08, 2015, 03:15:52 PM |
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I had good dealers on this.
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dot.onion
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May 04, 2015, 08:04:56 PM |
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BTC JAM is nothing but the SCAM of the century . It is a company that colaborates a database of personal information Including PASSPORT / ID PHOTOS , FACEBOOK verification , LINKED IN VERIFICATION , Proof of adress , income , phone verification , BANK ACCOUNT VERIFICATION , PAYPAL SYNC in order to be approved for your bit coin loan. NEVER SEND THEM ANY INFO. BTC CAN DO WONDERS AGAINST YOU USING THE INFORMATION THEY COLLECT. don’t be stupid . nobody knows who these guys are . they can apply for credit cards with your information , open bank accounts , sell your identity to whoever. Actually im already forgoing a lawsuit against BTCJAM and during that procedure hope to have them federally investigated. If there is anybody else out there that has had a bad experience please contact my lawyer directly at aaronshlomo@consultant.com. and maybe your collaboration will help bring them down.
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Cinnob0n
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-Credits (CRE) Miner/Enthusiast
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May 06, 2015, 02:38:54 AM |
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It's a flip of a coin. Imagine it this way: by lending bitcoins to someone, you're trusting that they'll pay you back.
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JackRipper
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May 06, 2015, 07:39:35 PM |
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BTC JAM is nothing but the SCAM of the century . It is a company that colaborates a database of personal information Including PASSPORT / ID PHOTOS , FACEBOOK verification , LINKED IN VERIFICATION , Proof of adress , income , phone verification , BANK ACCOUNT VERIFICATION , PAYPAL SYNC in order to be approved for your bit coin loan. NEVER SEND THEM ANY INFO. BTC CAN DO WONDERS AGAINST YOU USING THE INFORMATION THEY COLLECT. don’t be stupid . nobody knows who these guys are . they can apply for credit cards with your information , open bank accounts , sell your identity to whoever. Actually im already forgoing a lawsuit against BTCJAM and during that procedure hope to have them federally investigated. If there is anybody else out there that has had a bad experience please contact my lawyer directly at aaronshlomo@consultant.com. and maybe your collaboration will help bring them down. I'm sure that you have some proof to back up your claim. Being a newbie, there is no reason for anybody to just take your word for it, so please share your sources.
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Jeremycoin
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𝓗𝓞𝓓𝓛
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May 07, 2015, 05:06:47 PM |
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My experience so far in BTC Jam is good, and I never get scam by somone. The bad experience maybe when the borrower late to pay the money, but it's okay it's not a bad thing.
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faucet used to be profitable
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Xialla
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/dev/null
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May 09, 2015, 04:48:05 PM |
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The amount of scammers is scary over there
like everywhere, where is possible to trade bitcoin:) actually, it is just nature of something without reverse charge and authority..
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Sourgummies
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May 18, 2015, 12:28:39 AM |
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Just joined hopefully its not as I have read,the community really needs a credit/loan system. Setting up a test loan,have to say they want a lot of details before signing up.
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spazzdla
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May 25, 2015, 07:27:06 PM |
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I've done quite well on that site, I like it.
I loan out money, I do not take loans.
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knowhow
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May 25, 2015, 10:24:20 PM |
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it were a good project to help people development on the real life,but no garante that will return,i lost a bit on it but my profit cover the loss,but the main problem is there is no collateral soo you never know if someone will really repay the loan soo better stay away or choose how much you can afford to loose because a loose will happen too many scamers over the internet
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Bitdonator
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May 27, 2015, 04:33:54 PM |
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Using BTCjam for about 3-4 months. NIce way to grow your Bitcoins
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jadefalke
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May 27, 2015, 06:06:25 PM |
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i invested in like 30 Loan's only A or B Reputation and still more then 10% of the Loan's are not paid back. If you want to used it spread your invest and avoid everything below B Score.
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hunkey600
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May 30, 2015, 06:29:46 AM |
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Well i was also looking for the reviews on BTCJam, so there are mixed feedback, i am still not sure whether it is a good option to go with or not.
Thanks
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sdmathis
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May 30, 2015, 10:52:38 PM |
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Well i was also looking for the reviews on BTCJam, so there are mixed feedback, i am still not sure whether it is a good option to go with or not.
Thanks
If you're willing to do your research and not just rely on the credit score that BTCJam gives, you can do very well. If you don't research potential investors very well and are too quick to lend your money out, you could easily lose money. I use BTCJam and other P2P lending sites as an investment and have done very well.
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waterpile
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June 02, 2015, 03:24:21 AM |
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Well i was also looking for the reviews on BTCJam, so there are mixed feedback, i am still not sure whether it is a good option to go with or not.
Thanks
If you're willing to do your research and not just rely on the credit score that BTCJam gives, you can do very well. If you don't research potential investors very well and are too quick to lend your money out, you could easily lose money. I use BTCJam and other P2P lending sites as an investment and have done very well. the problem is even if the person has good reputation and was able to pay their past loans they can still scam people.. I've already 8 pending payments to be collected and they were reputable members and they went AWOL
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hunkey600
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June 03, 2015, 05:30:10 AM |
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Well i was also looking for the reviews on BTCJam, so there are mixed feedback, i am still not sure whether it is a good option to go with or not.
Thanks
If you're willing to do your research and not just rely on the credit score that BTCJam gives, you can do very well. If you don't research potential investors very well and are too quick to lend your money out, you could easily lose money. I use BTCJam and other P2P lending sites as an investment and have done very well. Yeah finding good investors is the key here but those are very less i think and i'll try to not be quick in lending. Since you have been there would you suggest any trusted lenders where it is safe to invest. Thanks
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hunkey600
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June 03, 2015, 05:33:09 AM |
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Well i was also looking for the reviews on BTCJam, so there are mixed feedback, i am still not sure whether it is a good option to go with or not.
Thanks
If you're willing to do your research and not just rely on the credit score that BTCJam gives, you can do very well. If you don't research potential investors very well and are too quick to lend your money out, you could easily lose money. I use BTCJam and other P2P lending sites as an investment and have done very well. the problem is even if the person has good reputation and was able to pay their past loans they can still scam people.. I've already 8 pending payments to be collected and they were reputable members and they went AWOL Exactly first people build their reputation with small loans and then they apply for big loans and once it is funded they are gone. I mean this has happened many times, since i have reading people experiences.
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Amph
Legendary
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June 03, 2015, 06:10:36 AM |
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i invested in like 30 Loan's only A or B Reputation and still more then 10% of the Loan's are not paid back. If you want to used it spread your invest and avoid everything below B Score.
i was ghoing to invest but after this post, it is better to avoid it i think, also i did not find a low loan to invest in, they start from 0.5+, not really comfortable with an amount that is so great at first try Well i was also looking for the reviews on BTCJam, so there are mixed feedback, i am still not sure whether it is a good option to go with or not.
Thanks
If you're willing to do your research and not just rely on the credit score that BTCJam gives, you can do very well. If you don't research potential investors very well and are too quick to lend your money out, you could easily lose money. I use BTCJam and other P2P lending sites as an investment and have done very well. the problem is even if the person has good reputation and was able to pay their past loans they can still scam people.. I've already 8 pending payments to be collected and they were reputable members and they went AWOL could it be that their account are hacked or that those are fake trust build by the scammers itself, by having many account?
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hamburger
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June 03, 2015, 07:35:57 PM |
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I don't like their web service it is become expensive to get a loan with them Yea, been a member with them since forever and frequently took out loans for investments. They systematically changed their rating criteria causing my rating to drop to C+ - I refused to give them unnecessary information since they already had more than enough information in case I defaulted on any loan. Recently they changed their strategy and prevent borrowers to set their own terms and we were forced to accept their ridiculous higher interest rates. The final straw for me was a week ago, they changed their interest rate again and want me to pay 49.95% on a 0.70 BTC loan for 30 days. I'll rather sell my kidneys on the black market for money Bitcoin before I make a loan on their site again. H
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Datacoin : DHZ6H91fsDoBHbdqED3ysCJJ2TUh3zRMZD Krugercoin : Yz3A9sTMp2yh5QLuAL8YQyvS5PdjHRHkkf
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hunkey600
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June 04, 2015, 11:16:25 AM |
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I don't like their web service it is become expensive to get a loan with them Yea, been a member with them since forever and frequently took out loans for investments. They systematically changed their rating criteria causing my rating to drop to C+ - I refused to give them unnecessary information since they already had more than enough information in case I defaulted on any loan. Recently they changed their strategy and prevent borrowers to set their own terms and we were forced to accept their ridiculous higher interest rates. The final straw for me was a week ago, they changed their interest rate again and want me to pay 49.95% on a 0.70 BTC loan for 30 days. I'll rather sell my kidneys on the black market for money Bitcoin before I make a loan on their site again. H Well i think interest gets lower with the number of verification steps you complete with them. I think they done this so that you get your profile completely verified before request any loan to avoid on defaulters
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waterpile
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June 04, 2015, 01:10:23 PM |
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I quit, i've got 2 defaulted loans both were +A users.. seems like that you're going to lose your investments if you keep on investing
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alpesh102
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June 04, 2015, 03:22:32 PM |
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btcjam is very great platform for loan....its use helping for increase your business....and increase your investment portfoliyo.....
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MarkMJ
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June 05, 2015, 08:33:59 AM |
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BTCJam is not scam but unfortunately is full of scammers Is any other website like BTCJam? Because they don't accept any country and this is sad. Anyway BTCJam is OK.
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I'm RED and that's GOOD, i will never be GREEN and that's not BAD! there's no one i'd rather be than me. DEV for cryptocurrency but I HATE forks
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Xiaoxiao
Legendary
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Merit: 1000
The Golden Rule Rules
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June 05, 2015, 11:19:50 AM |
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Is there an official BTCJAM thread here?
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hamburger
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June 05, 2015, 04:10:55 PM |
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Is there an official BTCJAM thread here?
Yea, just search for loan shark and you will find it.
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Datacoin : DHZ6H91fsDoBHbdqED3ysCJJ2TUh3zRMZD Krugercoin : Yz3A9sTMp2yh5QLuAL8YQyvS5PdjHRHkkf
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ammy009
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June 13, 2015, 02:36:02 PM |
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I lost my 2 investments at btcjam.
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Sourgummies
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June 13, 2015, 04:04:00 PM |
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I got all the way to verifying address. Once they asked me to break my banking terms to verify my account I decided to just stop.
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