❈ Fish's Bitcoin Micro Loaning Service ❈ [0.05 BTC AVAILABLE]

[Fishbones78]

Hello,
So I've decided to start myself a loaning service. I have recently only just become active on the forum again, a post proving this account has not been sold is here:
https://bitcointalk.org/index.php?topic=1389278.msg14114439#msg14114439
Currently Available To Loan:
BTC0.05
What Is Valid Collateral?
Currently Accepted Collateral:
- Bitcoin Forum Accounts (Minimum of Full Member status - I take no responsibility if you are kicked from sig. campaigns for inactivity)
- Valid Alt Coins (Coins that have value and are stable)
- BitGold
- Suggest Something!
Terms & Conditions of Loans
The value of the collateral you provide is at my discretion, collateral for me is what I say it is worth. By providing me with collateral, your understand the collateral becomes my property until the loan is repaid. If you do not repay within the specified time frame, your provided collateral becomes permanently my property and will be sold without your permission, it belongs to me. I do not use Escrow, only at your cost and request. Time extensions for the loan can be applied for, but this must be before your repayment time expires. Repayments to the wrong Bitcoin address will result in collateral being sold, unless another payment of the full repayment amount is given to the correct address. I will assume you have defaulted on the loan if no contact has been made (and no repayment) by the repayment date, do not expect me to still have your collateral if you contact me after your repayment date. Although I don't require it, it is preferable for you to have an alt. account if I need to contact you about a repayment time extension or anything else.
Interest Rates
Interest rates are below, I offer "discounts" on interest the more you borrow.[/b]
BTC0-0.049 - 12%
BTC0.05-0.99 - 11%
BTC0.1-0.5 - 10%    <------- Currently not lend-able, I don't even have that in my personal wallet (non-lending wallet)!
A 10% compound late fee is applied for each week of repayment extension, added at the first day of each week late. For loans over two weeks, there is also a compound interest rate of 5% each week, added at the start of each week.
Application
Remember - NO collateral, NO loan.
I will usually reply to any loan requests within a few hours, but please give me a maximum of 24 hours!
Please ensure you only apply in this thread, do not PM me please.

Application form (please copy and paste, then fill out):

Code:

Requested Loan Amount:
Collateral To Be Provided:
Proposed Repayment Date:
Reason For Loan:
Amount To Be Repaid:

ALL USERS - LOANS WILL ONLY EVER BE ASKED TO BE REPAID TO THE FOLLOWING ADDRESS:
1FTua17f5hJvF2kTBbzUE2NsYo1eEQ3wFg
Loans
#1 CoinHopper/hophoper (alt.) - Loaned: BTC0.02 - Repayment: BTC0.025 - Payment Due: 15th March 2016 - Status: Paid Early!
#2 excword/excwordalt (alt.) - Loaned: BTC0.015 - Repayment: BTC0.019 - Payment Due: 21st March 2016 - Status: Defaulted - Collateral Sold For 0.0201
#3 txbtc/txbtc2 (alt.) - Loaned: BTC0.02 - Repayment: BTC0.024 - Payment Due: 31st March 2016 - Status: Defaulted - Collateral Sold For 0.0201
Defaulted User hasn't made an extension request in the time frame and has not repaid.
Late [Weeks Late] - Loan repayment is still in progress as the user has requested a time extension, but a late charge is now in progress.
Accepted - Loan has been sent and collateral has been taken, awaiting repayment
Paid - User has paid back the loan in full. Collateral has been given back.

[iwasneverhere]

interesting. in any case how much would my account be worth as collateral.

[Fishbones78]

interesting. in any case how much would my account be worth as collateral.

I would provide you with a loan up to 0.04 BTC for this account, judged on post quality and activity. I will consider negotiation if you were looking for a higher loan that 0.04 BTC. Please fill an application if this is sufficient, or quote this post if you would like to negotiate. I would prefer to negotiate outside of private messages in order to keep a public record.
Thank you for the interest.

[CoinHopper]

Loan amount: 0.02BTC
Collateral: my account
Repayment date: March 15
Reason: Buy credit phone
Bitcoin address: 1HYNFzrX64pRsnft4ekm5ZBRD52Rg3J933

[Fishbones78]

Loan amount: 0.02BTC
Collateral: my account
Repayment date: March 15
Reason: Buy credit phone
Bitcoin address: 1HYNFzrX64pRsnft4ekm5ZBRD52Rg3J933

ACCEPTED
Would you like an escrow? If not, please PM me account details and to outline repayment amount.

[Fishbones78]

I have access to the account "CoinHopper". Before I take control and change the email and password, please assure me you can repay the requested 0.025 BTC (0.005 BTC loan fee). If so, please confirm in this thread. The repayment address is: 1FTua17f5hJvF2kTBbzUE2NsYo1eEQ3wFg
Remember, only repay to this address, no others. Once the loan is repaid, I will give you the account back with the password you gave me and the email address that was originally on it. Please change the password when you receive it back.

Thank you

Edit: CoinHopper account is now in my possession. User confirmed fees through PM with alt account "hophoper". Loan sent.
https://blockchain.info/tx-index/25f8895c1e09f879f37a8c04798ef4967cecb8c430e2303e2614908a6aa54826

[whizz94]

2008 caught out the $ banks because they had one department lending out willy nilly to anyone in order to prop up the economy while their investment banking department collected 'proof' that nobody ever defaulted on the 98th % slice of mortgage backed securities.  Please don't do anything like that with bitcoin-bond collections, as our avoidance of usary is one of the advantages of bitcoin over fictional reserve banking.  If you can collect either ounces of silver or comparable collateral then that would be less suss than BTC for forum accounts as collateral.  And hopefully you'll collect enough bullion from defaulters to not knock a hole in the wall.

[Fishbones78]

2008 caught out the $ banks because they had one department lending out willy nilly to anyone in order to prop up the economy while their investment banking department collected 'proof' that nobody ever defaulted on the 98th % slice of mortgage backed securities.  Please don't do anything like that with bitcoin-bond collections, as our avoidance of usary is one of the advantages of bitcoin over fictional reserve banking.  If you can collect either ounces of silver or comparable collateral then that would be less suss than BTC for forum accounts as collateral.  And hopefully you'll collect enough bullion from defaulters to not knock a hole in the wall.

Thank you for the warning. I do feel I should have declined the first loan I gave out because I'm having second thoughts on the collateral, but if the user defaults then I should be able to get the 0.02 BTC, but no profit (or little profit anyway). I put these funds aside for loans knowing I might lose them. All of the funds I loan are from my "active wallet". Currently my sig. campaign pays into my savings wallet, that I hope to build without spending over time.

Thank you for the concern.

[Fishbones78]

Still open to lend. I have updated a couple of details of the campaign, mostly terms and conditions.
I now require a minimum of a potential full member account as collateral, and I also now require a valid reason for a loan.

I now also accept any collateral other than the suggested collateral, but I can deny it if it is reversible!

[Hophoper]

Repayed!
https://blockchain.info/tx/d0797be1f4a8957e4186e97a1505ffdc92daf09ad7cb8536754b25b88d1d58c9

I do not know about the repayment will be 0.025BTC. My mistake do not see about that. But i have repay the loan with that such amount.
Really suck service!!!!
I think you post in main thread that the loan fee is 0.005BTC

Please change the password and email return or send me new password

[Fishbones78]

Repayed!
https://blockchain.info/tx/d0797be1f4a8957e4186e97a1505ffdc92daf09ad7cb8536754b25b88d1d58c9

I do not know about the repayment will be 0.025BTC. My mistake do not see about that. But i have repay the loan with that such amount.
Really suck service!!!!
I think you post in main thread that the loan fee is 0.005BTC

Please change the password and email return or send me new password

I am very sorry about the fee, you can see in a post further up the page and in the open loans area is asked a 0.025 repayment. I also messaged you this and you replied saying you understood?

Thank you for repaying, I will send you over the details now. As a result of the feedback, I have made it much more clear in the post that I charge interest.

[Fishbones78]

hi,
can you please check my thread if I am able to get small loan
https://bitcointalk.org/index.php?topic=1369703.0

DENIED
No collateral no loan. Thank you for the request but this is stated in my terms and conditions in this post. I will not accept a domain name and reputation on other websites doesn't really mean much around here.
I will accept your loan if you can give me valid collateral. Please also use the form in future.
Thank you for the interest.

[Fishbones78]

Hello,
I have more BTC to lend out now that my previous loan has been repaid. Please fill out an application if you require a loan!
Thanks

[excword]

I am looking for a loan as stated here - https://bitcointalk.org/index.php?topic=1398248.0

Posting it here for you to better understand.

Loan Amount : 0.018 btc [ I would like to have more amount than this, if you're ok to offer more]
Interest : 10%
Repayment Date : 7 days from the date of loan
Collateral : Bitcointalk Account. But I want to join in signature campaigns once I turn into Full Member rank. I could see a week's earning potential is 0.03 btc plus.

Bitcoin Address :  1P894W3FCSJ2pqBWWMkEtT34h55vCrUjt5

[Fishbones78]

I am looking for a loan as stated here - https://bitcointalk.org/index.php?topic=1398248.0

Posting it here for you to better understand.

Loan Amount : 0.018 btc [ I would like to have more amount than this, if you're ok to offer more]
Interest : 10%
Repayment Date : 7 days from the date of loan
Collateral : Bitcointalk Account. But I want to join in signature campaigns once I turn into Full Member rank. I could see a week's earning potential is 0.03 btc plus.

Bitcoin Address :  1P894W3FCSJ2pqBWWMkEtT34h55vCrUjt5

Hi,
Thank you for your loan request. What is the reason for your loan? I am reviewing your account now.
Thanks

[excword]

I am looking for a loan as stated here - https://bitcointalk.org/index.php?topic=1398248.0

Posting it here for you to better understand.

Loan Amount : 0.018 btc [ I would like to have more amount than this, if you're ok to offer more]
Interest : 10%
Repayment Date : 7 days from the date of loan
Collateral : Bitcointalk Account. But I want to join in signature campaigns once I turn into Full Member rank. I could see a week's earning potential is 0.03 btc plus.

Bitcoin Address :  1P894W3FCSJ2pqBWWMkEtT34h55vCrUjt5

Hi,
Thank you for your loan request. What is the reason for your loan? I am reviewing your account now.
Thanks

Nice. I need some funds to pay for the bills.

[whizz94]

so is that the puff-the-greensmoke bills, or the whiskey bills when the whiskeyman goes whirring around your neighbourhood on his whiskeyfloat, or some other bills ?

[Fishbones78]

I am looking for a loan as stated here - https://bitcointalk.org/index.php?topic=1398248.0

Posting it here for you to better understand.

Loan Amount : 0.018 btc [ I would like to have more amount than this, if you're ok to offer more]
Interest : 10%
Repayment Date : 7 days from the date of loan
Collateral : Bitcointalk Account. But I want to join in signature campaigns once I turn into Full Member rank. I could see a week's earning potential is 0.03 btc plus.

Bitcoin Address :  1P894W3FCSJ2pqBWWMkEtT34h55vCrUjt5

Hi,
Thank you for your loan request. What is the reason for your loan? I am reviewing your account now.
Thanks

Nice. I need some funds to pay for the bills.

Hi,
After reviewing your account, I can offer you 0.015 BTC with a payback of 0.019 BTC. However If you are giving me the account you are posting on now as collateral, how will you earn "0.03 btc plus" from signature campaigns per week to pay me back? Also, what bills cost around $7?
If you wish to accept the offer, please read through my terms and conditions and then reply in this thread.
Thank you

[excword]

I am looking for a loan as stated here - https://bitcointalk.org/index.php?topic=1398248.0

Posting it here for you to better understand.

Loan Amount : 0.018 btc [ I would like to have more amount than this, if you're ok to offer more]
Interest : 10%
Repayment Date : 7 days from the date of loan
Collateral : Bitcointalk Account. But I want to join in signature campaigns once I turn into Full Member rank. I could see a week's earning potential is 0.03 btc plus.

Bitcoin Address :  1P894W3FCSJ2pqBWWMkEtT34h55vCrUjt5

Hi,
Thank you for your loan request. What is the reason for your loan? I am reviewing your account now.
Thanks

Nice. I need some funds to pay for the bills.

Hi,
After reviewing your account, I can offer you 0.015 BTC with a payback of 0.019 BTC. However If you are giving me the account you are posting on now as collateral, how will you earn "0.03 btc plus" from signature campaigns per week to pay me back? Also, what bills cost around $7?
If you wish to accept the offer, please read through my terms and conditions and then reply in this thread.
Thank you

I said once I turn into Full Member I can apply for signature campaigns which may get 0.03 btc plus per week. I will do once I repay my loan and get back my account. I'm in short of few dollars to meet my bills. Your offer is small, anyhow I need to accept it now. Thanks. Let us proceed with the deal.

[Fishbones78]

I am looking for a loan as stated here - https://bitcointalk.org/index.php?topic=1398248.0

Posting it here for you to better understand.

Loan Amount : 0.018 btc [ I would like to have more amount than this, if you're ok to offer more]
Interest : 10%
Repayment Date : 7 days from the date of loan
Collateral : Bitcointalk Account. But I want to join in signature campaigns once I turn into Full Member rank. I could see a week's earning potential is 0.03 btc plus.

Bitcoin Address :  1P894W3FCSJ2pqBWWMkEtT34h55vCrUjt5

Hi,
Thank you for your loan request. What is the reason for your loan? I am reviewing your account now.
Thanks

Nice. I need some funds to pay for the bills.

Hi,
After reviewing your account, I can offer you 0.015 BTC with a payback of 0.019 BTC. However If you are giving me the account you are posting on now as collateral, how will you earn "0.03 btc plus" from signature campaigns per week to pay me back? Also, what bills cost around $7?
If you wish to accept the offer, please read through my terms and conditions and then reply in this thread.
Thank you

I said once I turn into Full Member I can apply for signature campaigns which may get 0.03 btc plus per week. I will do once I repay my loan and get back my account. I'm in short of few dollars to meet my bills. Your offer is small, anyhow I need to accept it now. Thanks. Let us proceed with the deal.

Okay. Do you have an alt account I can communicate with? I asked how you will get the funds to pay me back too? Otherwise, I will have to change the account details and then send you the BTC with no communication. Also, as a part of the terms and conditions, would you like to use Escrow?