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Author Topic: Goose20 outstanding Loan  (Read 603 times)
zazarb
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February 14, 2018, 09:48:12 PM
 #41

All i am saying is that there has been NO dishonesty here. There has been NO scamming here.





And your feedback would be more appropriate and accurate if it was neutral and said "has not fully repaid a loan yet...", as I have not gone dark.

Cheers



Pathetic, because you are doing it right now,
and the saying that you will be able to repay, when btc price fail to $1000, same as saying that you never paid back.

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February 15, 2018, 12:09:34 AM
 #42

This is very similar to what happened to dank several years ago. Borrow a couple hundred dollars worth of bitcoin for something, it doesn't work out, repaid many times (in terms of USD) the amount borrowed, only to not make a dent in the BTC amount of the loan. Dank eventually stopped trying to repay his debt.

Zazarb - I am not sure how much fiat currency you have, however what I have advised you do for longer term loans, and loans in which the borrower is running late, is when the BTC price is skyrocketing, offer to convert the loan into a USD (or other fiat currency) based loan for a fee, and if they agree, buy an equivalent amount of bitcoin on an exchange (when the borrower repays the loan, you can sell the bitcoin the repay you, so you end up with the same amount of USD and BTC). I am not saying you are wrong (I don't think you are wrong), however this would substantially increase your chances of getting repaid when BTC goes through the roof.

I would repeat what KWH said upthread, you both should try to reach a settlement agreement so that goose20 can make a payment that will satisfy the loan. Being that the payment is ~9 months late, repayment is doubtful otherwise

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February 15, 2018, 12:22:17 AM
 #43

All i am saying is that there has been NO dishonesty here. There has been NO scamming here.





And your feedback would be more appropriate and accurate if it was neutral and said "has not fully repaid a loan yet...", as I have not gone dark.

Cheers



Pathetic, because you are doing it right now,
and the saying that you will be able to repay, when btc price fail to $1000, same as saying that you never paid back.


That is 2 times now you've called me pathetic, along with calling me a scammer. You may want to keep in mind the saying 'you catch more flies with honey than you do with vinegar'. I don't respond to bullying and heavy-handed tactics. I've always communicated with you with courtesy. I remind you that i haven't scammed you and i have never lied to you.

And your second sentence above - you've misunderstood what i said because you've not taken it in the context i said it in.

Finally, i have not gone 'dark'. Dark would mean somebody who is regularly on here suddenly disappears. Either stops coming on regularly or starts a new account. I haven't started a new account. And in the 6-18 months prior to this, i came on here rarely anyways compared to my first 2-3years.

Cheers



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February 15, 2018, 03:21:25 AM
 #44

That is 2 times now you've called me pathetic, along with calling me a scammer. You may want to keep in mind the saying 'you catch more flies with honey than you do with vinegar'. I don't respond to bullying and heavy-handed tactics. I've always communicated with you with courtesy. I remind you that i haven't scammed you and i have never lied to you.

And your second sentence above - you've misunderstood what i said because you've not taken it in the context i said it in.

Finally, i have not gone 'dark'. Dark would mean somebody who is regularly on here suddenly disappears. Either stops coming on regularly or starts a new account. I haven't started a new account. And in the 6-18 months prior to this, i came on here rarely anyways compared to my first 2-3years.

Cheers

That is very pathetic of you goose20 to say that - very pathetic indeed.

What a pathetic notion.

(Do I win a prize for calling you pathetic three times?)

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February 15, 2018, 05:47:52 AM
 #45

Archived for future reference: http://archive.is/CwR1E#selection-1477.0-1479.15

This is very similar to what happened to dank several years ago. Borrow a couple hundred dollars worth of bitcoin for something, it doesn't work out, repaid many times (in terms of USD) the amount borrowed, only to not make a dent in the BTC amount of the loan. Dank eventually stopped trying to repay his debt.

So firstly we have Dank:

Code:
Name: dank u=21728 http://archive.is/NgdcW
Posts: 5017
Activity: 1134
Merit: 1001
Position: Legendary
Date Registered: 11 June 2011, 14:05:41
Last Active: 26 May 2015, 06:26:56

Who started a thread: Am about to go homeless, could use some help https://bitcointalk.org/index.php?topic=646166.0 http://archive.is/FsQjU

It was started on 10 June 2014, 10:36:29 (three years to the day since Dank was created) and just perusing the first page, Dank and Vod butt heads immediately.

Gazing into my crystal ball we have such UID's as these created shortly there after.

04 June 2014, 04:44:54 last actual active    mexxer u=64650 http://archive.is/bxwkV
08 June 2014, 07:17:11 Date Registered:    qiwoman2   u=340890   http://archive.is/rPl1o

11 June 2014, 02:50:25 Date Registered:    mexxer-2  u=341982 http://archive.is/GtNKT
16 June 2014, 03:27:23 Date Registered:        BiPolarBob u=343899 http://archive.is/Z6led
16 June 2014, 01:03:39 Date Registered:     iflewtoday32 u=343767
16 June 2014, 06:27:07 Date Registered:    michaeladair
20 June 2014, 17:57:06 Date Registered:    bublik750 u=346080 http://archive.is/1v7Fr
21 June 2014, 19:13:39 Last Active:    ra1nb0wdash u=249569  http://archive.is/hOVHf
02 July 2014, 22:49:48 Date Registered:    allah u=351062 http://archive.is/66GDa
09 July 2014, 00:45:43 Last Active:       mexxer u=64650 http://archive.is/bxwkV
09 July 2014, 19:57:28 Date Registered:    chronicsky u=353680 http://archive.is/fGawr
19 July 2014, 08:35:22 Last Active:    allah u=351062 http://archive.is/66GDa
19 July 2014, 08:42:05 Date Registered:    z3r0coin u=357026 http://archive.is/GpA5U
20 July 2014, 05:29:56 Date Registered:    ACCTseller u=357263
20 July 2014, 06:40:20 Date Registered:    deluxeCITY u=357282
21 July 2014, 01:31:08 Date Registered:    Panthers52 u=357487
22 July 2014, 15:51:40 Date Registered:    Quickseller u=358020
31 July 2014, 08:38:11 Last Active:    z3r0coin u=357026 http://archive.is/GpA5U
01 August 2014, 18:39:15 Date Registered:    twister u=361475


Amongst a plethora of other uid's all created in this same window.  Some proven to be connected to quickseller , others alleged and hence not accepted by the wider community.



So now we need to cast our minds back to June of 2011.

16 May 2011, 17:55:02 Date Registered:        Disposition ( mesmer ) u=12833 http://archive.is/IHE7m
01 June 2011, 22:50:03 Date Registered:    PolymorphicAssasin u=16946
05 June 2011, 04:49:49 AM Date Registered:    NO_SLAVE u=18392
05 June 2011, 12:07:33 Date Registered:    nyteo u=18346 http://archive.is/mrQ9T
05 June 2011, 19:47:59 Date Registered:    triplex u=18467 http://archive.is/PcuBm
09 June 2011, 06:16:06 Date Registered:    CoinMonster u=20242
11 June 2011, 14:05:41 Date Registered:    dank u=21728 http://archive.is/NgdcW
14 June 2011, 06:14:03 Date Registered:    bogidu u=23280 http://archive.is/SsKRv
16 June 2011, 04:42:54 Date Registered:    twobits u=24185 http://archive.is/vzCNy
21 June 2011, 20:28:55 Date Registered:    Mobius u=27950 http://archive.is/B1cSa
27 June 2011, 06:01:17 Date Registered:        ajareselde u=29959 http://archive.is/c4G5F
14 July 2011, 15:57:55 Last Active:    triplex u=18467 http://archive.is/PcuBm
06 August 2011, 09:53:52 PM Date Registered:    TomatoCage u=37522




Dank was last actual active on the 29 November 2014, 13:28:47 How to get into heaven for free - no cost, 100% free https://bitcointalk.org/index.php?topic=877083.0 as given merit by Vod http://archive.is/MeX7u#selection-483.0-489.4

Reminder: zazarb was previously scammed by james.lent

13 November 2014 07:04 TomatoCage PGP Key-ID: 4880D85C Fingerprint: E6FDAF651D9A43A87351D58A8E707E554880D85C created with inbuilt four year life span.
13 November 2014 TomatoCage gives deluxeCITY glowing positive trust: "Good to see new users actually contributing toward the forum community with relevant and useful posts. +1 "
20 November 2014, 13:25:01 Date Registered:    james.lent u=396480 http://archive.is/8fgcA
20 November 2014, 16:24:40 Last Actual Active:    Bitcoin-Police u=380696 http://archive.is/oQTwf#selection-323.5-323.35
28 November 2014, 00:32:54 last actual post beegatewood u=154225 http://archive.is/9OkjU#selection-389.5-389.36
04 December 2014 08:33 quickseller PGP Key-ID: F0BEB516 Fingerprint: F364AB336F009BA4736C7F69532DD290F0BEB516 created with inbuilt four year life span.
06 December 2014, 14:27:26 Date Registered:    mrsalve u=400666 http://archive.is/H30AI
16 December 2014, 10:29:11 deluxeCITY discusses self-destructing PGP encrypted messages http://archive.is/9ceZQ#selection-2111.0-2139.134




Dank was Last Active:    26 May 2015, 06:26:56

02 May 2015, 01:01:04 Last Active:    ACCTVendor u=509119 http://archive.is/1rgdR
04 May 2015, 15:19:44 Date Registered:       bobyhodob   u=510702
06 May 2015, 21:43:57 Last Active:    temp_superstar777 u=486882 http://archive.is/NGzbn
11 May 2015, 23:06:22 Date Registered:    AccTraderALT u=512520 http://archive.is/XPdNk
12 May 2015, 03:33:28 Last actual post of     devvienuis http://archive.is/KMEWR#selection-421.5-431.52
13 May 2015, 02:42:41 Last Active:    AcctSllr u=425098 http://archive.is/f9uJp
15 May 2015, 19:20:40 Last Active:    pagalwana u=379178 http://archive.is/D1wQB
17 May 2015, 22:14:29 Date Registered:       memii      u=514135   http://archive.is/xqk0E
26 May 2015, 04:56:20 Last Active:    Ray E. Gallo u=302827 http://archive.is/04QlG

26 May 2015, 07:55:38 Last Active:    phalabrak
26 May 2015 11:21:40 The OP post (10 March 2014) was last edited by pawnco.in
27 May 2015, 06:51:24 Last Active:        extraKrispy http://archive.is/cCDAn
27 May 2015, 17:30:43 Date Registered:       kamvreto   u=516369   http://archive.is/dUuRP
28 May 2015, 06:51:24 Date Registered:    Coinonomous u=516722
28 May 2015, 16:08:33 Last Active:    pawnco.in u=265418
29 May 2015, 01:55:25 Date Registered:        V.Lace u=516939
30 May 2015, 01:36:22 Date Registered:    Tomatocage1 u=517424
01 June 2015, 04:18:04 Last Active:    Tomatocage1 u=517424
01 June 2015, 07:33:36 Last Active:    RiverBoatBTC u=261927 http://archive.is/ypu1n
06 June 2015, 09:11:23 Date Registered:        vasyaname u=520137 http://archive.is/3Ar3j
06 June 2015, 09:17:25 Shadow_Runner u=198207 UID placed on the market https://bitcointalk.org/index.php?topic=1081808.0 http://archive.is/P1QUi by vasyaname u=520137
27 June 2015, 22:35:35 Date Registered:    2012      u=526226   http://archive.is/iUIN5


Crucially, this is the narrow three days where TomatoCage's ePawnCoin coin scam comes undone:

26 May 2015 09:00:43 ePawnCoin thread deleted / last modified - all posts removed
26 May 2015 11:21:40 PawnCoin [IPCO] (10 March 2014) thread last edited by pawnco.in - first ten  days of pasts are removed.
27 May 2015, 06:51:24 Last Active:        extraKrispy http://archive.is/cCDAn
28 May 2015, 16:08:33 Last Active:    pawnco.in u=265418 http://archive.is/7o28G



To within one day of Dank creating a look how poor I am thread mexxer-2 is created, the later now having been proven to scam.

Dank is last actual active when tomatocage/quickseller are creating PGP keys and nine days after another loan taker (james.lent) is created.

BiPolarBob came out of retirement to get a loan with quickseller giving glowing praise and merit to make the deal appear to be above board, most, if not all here saw through it.

Just this week we have quickseller boasting that tomatocage has manipulated the trust system.

I directly connected quickseller to master-p as alts of each-other was deleted by bitcointalk staff: read archived version here:

I also call tomatocage out and he went offline returning only sporadically.  Later I connect mesmer (who is banned) / mexxer/mexxer-2 to tomatocage

quickseller is well known for throwing up smoke screens by throwing a previous alt under the bus, in this case Dank, (and master-p and mesmer/mexxer/tomatocage etc etc) the connections are there, it's up to you to decide if you want to accept them.

It's pretty obvious Dank is an alt of quickseller.

Sadly, none of this connects goose20 to anyone (not the ones listed above at any rate) - sorry zazarb.  Embarrassed  Undecided  Cry



Archived for future reference: http://archive.is/jIvgm#selection-19859.0-19861.15

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February 15, 2018, 06:01:00 AM
 #46

It's pretty obvious Dank is an alt of quickseller.

You'd have to be on whatever dank was on to seriously believe this  Roll Eyes
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February 15, 2018, 06:16:24 AM
 #47

It's pretty obvious Dank is an alt of quickseller.

You'd have to be on whatever dank was on to seriously believe this  Roll Eyes
lol.

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February 15, 2018, 10:53:43 AM
 #48

All i am saying is that there has been NO dishonesty here. There has been NO scamming here.





And your feedback would be more appropriate and accurate if it was neutral and said "has not fully repaid a loan yet...", as I have not gone dark.

Cheers



Pathetic, because you are doing it right now,
and the saying that you will be able to repay, when btc price fail to $1000, same as saying that you never paid back.


That is 2 times now you've called me pathetic, along with calling me a scammer. You may want to keep in mind the saying 'you catch more flies with honey than you do with vinegar'. I don't respond to bullying and heavy-handed tactics. I've always communicated with you with courtesy. I remind you that i haven't scammed you and i have never lied to you.

And your second sentence above - you've misunderstood what i said because you've not taken it in the context i said it in.

Finally, i have not gone 'dark'. Dark would mean somebody who is regularly on here suddenly disappears. Either stops coming on regularly or starts a new account. I haven't started a new account. And in the 6-18 months prior to this, i came on here rarely anyways compared to my first 2-3years.

Cheers




Pathetic -this is not an offense,
"Scammer"- I never said so, except OP, when I used standard report format.
I do not care how much "flies I catch", even if it is a threat (not paid) , from your side.

Quote
i have not gone 'dark'.
- How do I know it? you come out of the discussion has not made any decision of solving problem.

here full sentence, and what other can means it ?
Quote
Next week it could fall to $1000 again and all of this drama was for nothing as i could then afford to repay

The only positive thing that happened here, You recognized that you owe money, via pm you tried to prove otherwise.



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February 15, 2018, 12:58:23 PM
 #49

All i am saying is that there has been NO dishonesty here. There has been NO scamming here.





And your feedback would be more appropriate and accurate if it was neutral and said "has not fully repaid a loan yet...", as I have not gone dark.

Cheers



Pathetic, because you are doing it right now,
and the saying that you will be able to repay, when btc price fail to $1000, same as saying that you never paid back.


That is 2 times now you've called me pathetic, along with calling me a scammer. You may want to keep in mind the saying 'you catch more flies with honey than you do with vinegar'. I don't respond to bullying and heavy-handed tactics. I've always communicated with you with courtesy. I remind you that i haven't scammed you and i have never lied to you.

And your second sentence above - you've misunderstood what i said because you've not taken it in the context i said it in.

Finally, i have not gone 'dark'. Dark would mean somebody who is regularly on here suddenly disappears. Either stops coming on regularly or starts a new account. I haven't started a new account. And in the 6-18 months prior to this, i came on here rarely anyways compared to my first 2-3years.

Cheers




Pathetic -this is not an offense,
"Scammer"- I never said so, except OP, when I used standard report format.
I do not care how much "flies I catch", even if it is a threat (not paid) , from your side.

Quote
i have not gone 'dark'.
- How do I know it? you come out of the discussion has not made any decision of solving problem.

here full sentence, and what other can means it ?
Quote
Next week it could fall to $1000 again and all of this drama was for nothing as i could then afford to repay

The only positive thing that happened here, You recognized that you owe money, via pm you tried to prove otherwise.




Quote
Pathetic -this is not an offense,
No it's not an offence, just not something to call someone you are wanting a positive resolution from. At least not in my opinion.



Quote
"Scammer"- I never said so, except OP, when I used standard report format.
What the hell?? - that has been my point - that you know i have NOT scammed you. This 'Scam Accusations' sub-forum is NOT the place for this matter. People come to this section without reading and just jump to conclusions - there have only been 3 or so people in this thread who seem to have actually read the thread and said something helpful - the others not so much.



Quote
here full sentence, and what other can means it ?
Quote
Next week it could fall to $1000 again and all of this drama was for nothing as i could then afford to repay

How about we look at the whole paragraph for the context:

Quote
Why even say 'he could have sold the btc for a nice profit'? That just proves what i am saying - the reality is EVERYTHING btc related is referenced back to $$'s. And currently i cannot afford the $$ to buy the btc because it is much higher than when the loan was taken out. Next week it could fall to $1000 again and all of this drama was for nothing as i could then afford to repay.
I said $1,000 again, because that what is was roughly when this all started. Not because it has to fall to that amount for me to repay. I was saying the only reason for any of this has been the btc price going 10x - 20x, nothing else.



Quote
The only positive thing that happened here, You recognized that you owe money, via pm you tried to prove otherwise.
No i have not. It the PM you are referring to, i was placing this matter in context overall, just like i have stated in posts in this thread. I have always acknowledged i have not paid the debt in full in btc terms. But from a fiat perspective, and from an overall dealings perspective between us, up to 20 deals, you are in front and this is 1 deal in many that hasn't been resolved. You've had many months to offer a solution to the on-going and ever-increasing repayments i have had to make, that's May 2017 to Feb 2018, but nothing this whole time. Its as if you said to yourself 'well since he is making part payments, I'll just let him struggle and continue to pay'. But as soon as i say i cant afford it at the moment due to x and y - you immediately open a scam accusation.

From my perspective that's really shitty man. I communicated with you the whole time how stressed i was about the repayments owed, yet i continued making them for months. Then you just do this to me.
You are in the business of lending. And because no borrower can be perfect all the time, you protect yourself by charging interest. And you've continued to charge me interest to this day.
I understand this is frustrating for you as it is for me. But the way you turned so suddenly, i'm like what the hell.

Cheers




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February 15, 2018, 01:36:47 PM
Merited by Timelord2067 (1)
 #50

Total outsider here, but goose20 you are in the wrong..

A few things that you should of done differently due to your situation, as BTC was rising and you knew you could not keep up with the payments you should of made full disclosure to the lender explaining that you had cashed out the BTC to USD and would therefore be purchasing BTC to honor the debt. Then you should of asked to re negotiate the terms, IE - if BTC is less than $X then you repay as normal if BTC goes above $Y then the loan will need to be switched to pair against USD, by not doing that and just rolling your debt over and only paying the VIG you were effectively gambling against a massive bull run. Not sating zazarb would have to do that, but I am sure he would prefer to have something back other than a load of empty air.. if you wanted a USD loan I do not understand why you didn't go to a bank?


Another option would of been to ask the lender to freeze interest as you were struggling to fulfill the loan, I cannot see this was requested either. zazarb is a lender but it is known he is a reasonable guy.. bottom line is you still owe him the full amount and he deserves full repayment, at this point you need to stop "hoping" btc goes down to $1K and start thinking that BTC will hit $100K and start acting accordingly. 


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goose20
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February 15, 2018, 01:45:22 PM
 #51

Total outsider here, but goose20 you are in the wrong..

A few things that you should of done differently due to your situation, as BTC was rising and you knew you could not keep up with the payments you should of made full disclosure to the lender explaining that you had cashed out the BTC to USD and would therefore be purchasing BTC to honor the debt. Then you should of asked to re negotiate the terms, IE - if BTC is less than $X then you repay as normal if BTC goes above $Y then the loan will need to be switched to pair against USD, by not doing that and just rolling your debt over and only paying the VIG you were effectively gambling against a massive bull run. Not sating zazarb would have to do that, but I am sure he would prefer to have something back other than a load of empty air.. if you wanted a USD loan I do not understand why you didn't go to a bank?


Another option would of been to ask the lender to freeze interest as you were struggling to fulfill the loan, I cannot see this was requested either. zazarb is a lender but it is known he is a reasonable guy.. bottom line is you still owe him the full amount and he deserves full repayment, at this point you need to stop "hoping" btc goes down to $1K and start thinking that BTC will hit $100K and start acting accordingly.  



Hi TMAN,

Thanks for contributing and for your advice as to what should have been done. Hindsight is a great thing afterall.

Any advice at all as to what you recommend to resolve this from this point going forward?

Cheers

TMAN
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February 15, 2018, 01:52:32 PM
 #52

Total outsider here, but goose20 you are in the wrong..

A few things that you should of done differently due to your situation, as BTC was rising and you knew you could not keep up with the payments you should of made full disclosure to the lender explaining that you had cashed out the BTC to USD and would therefore be purchasing BTC to honor the debt. Then you should of asked to re negotiate the terms, IE - if BTC is less than $X then you repay as normal if BTC goes above $Y then the loan will need to be switched to pair against USD, by not doing that and just rolling your debt over and only paying the VIG you were effectively gambling against a massive bull run. Not sating zazarb would have to do that, but I am sure he would prefer to have something back other than a load of empty air.. if you wanted a USD loan I do not understand why you didn't go to a bank?


Another option would of been to ask the lender to freeze interest as you were struggling to fulfill the loan, I cannot see this was requested either. zazarb is a lender but it is known he is a reasonable guy.. bottom line is you still owe him the full amount and he deserves full repayment, at this point you need to stop "hoping" btc goes down to $1K and start thinking that BTC will hit $100K and start acting accordingly.  



Hi TMAN,

Thanks for contributing and for your advice as to what should have been done. Hindsight is a great thing afterall.

Any advice at all as to what you recommend to resolve this from this point going forward?

Cheers



hands on knees - say you are sorry and ask the man what options are available.. he may be willing to peg against USD now he may not, but seeing as you are here and wanting to sort it out I think he may listen to some reasonable requests.

1st of all though you do need to apologize and get his buy in of how to resolve it fella.

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goose20
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February 15, 2018, 01:59:01 PM
 #53

Total outsider here, but goose20 you are in the wrong..

A few things that you should of done differently due to your situation, as BTC was rising and you knew you could not keep up with the payments you should of made full disclosure to the lender explaining that you had cashed out the BTC to USD and would therefore be purchasing BTC to honor the debt. Then you should of asked to re negotiate the terms, IE - if BTC is less than $X then you repay as normal if BTC goes above $Y then the loan will need to be switched to pair against USD, by not doing that and just rolling your debt over and only paying the VIG you were effectively gambling against a massive bull run. Not sating zazarb would have to do that, but I am sure he would prefer to have something back other than a load of empty air.. if you wanted a USD loan I do not understand why you didn't go to a bank?


Another option would of been to ask the lender to freeze interest as you were struggling to fulfill the loan, I cannot see this was requested either. zazarb is a lender but it is known he is a reasonable guy.. bottom line is you still owe him the full amount and he deserves full repayment, at this point you need to stop "hoping" btc goes down to $1K and start thinking that BTC will hit $100K and start acting accordingly.  



Hi TMAN,

Thanks for contributing and for your advice as to what should have been done. Hindsight is a great thing afterall.

Any advice at all as to what you recommend to resolve this from this point going forward?

Cheers



hands on knees - say you are sorry and ask the man what options are available.. he may be willing to peg against USD now he may not, but seeing as you are here and wanting to sort it out I think he may listen to some reasonable requests.

1st of all though you do need to apologize and get his buy in of how to resolve it fella.



Thanks TMAN.

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February 15, 2018, 02:02:51 PM
 #54

snip--


Quote
The only positive thing that happened here, You recognized that you owe money, via pm you tried to prove otherwise.
No i have not. It the PM you are referring to, i was placing this matter in context overall, just like i have stated in posts in this thread. I have always acknowledged i have not paid the debt in full in btc terms. But from a fiat perspective, and from an overall dealings perspective between us, up to 20 deals, you are in front and this is 1 deal in many that hasn't been resolved. You've had many months to offer a solution to the on-going and ever-increasing repayments i have had to make, that's May 2017 to Feb 2018, but nothing this whole time. Its as if you said to yourself 'well since he is making part payments, I'll just let him struggle and continue to pay'. But as soon as i say i cant afford it at the moment due to x and y - you immediately open a scam accusation.

From my perspective that's really shitty man. I communicated with you the whole time how stressed i was about the repayments owed, yet i continued making them for months. Then you just do this to me.
You are in the business of lending. And because no borrower can be perfect all the time, you protect yourself by charging interest. And you've continued to charge me interest to this day.
I understand this is frustrating for you as it is for me. But the way you turned so suddenly, i'm like what the hell.

Cheers






#then I was wrong, because I had better opinions about you.
#what terms do you expect,  if our agreements signed specifically for such!
# this thread about this one deal , and stop to finally related it to fiat or previous deals.
# "immediately"- I wait since Nov. until Feb., and maybe yourself have always acknowledged that  not paid me, but I do not see it in your answer(after 2.5 months of silence):

snip-



hello, already passed januar, but not hear anything from you side...

Hi Zazarb,

Come on mate, what do you expect me to do - the price of BTC is higher than before.

What would you do in my situation? What is actually fair here? You charged a high interest rate in your business for the risk you took. You've made a lot of btc from it. My situation is only because the price of btc skyrocketed not because i choose it. I did a lot of business with you with paypal and btc and always paid you good interest.

And you know and can see that everything has changed with high price of btc, you've been on the forum a long time like i have - Mt Gox trustee only paying out $$ value at time of debt not btc amount; here on forum people denominating things in $$'s not btc anymore; primedice doing giveaways in $$'s not btc; people asking for $$ loans not btc loans, and a whole lot more etc etc.

You said you offered your service not as a business but as a service to the community - then you should be happy you made btc from me and are not behind.
- The last loan i borrowed was worth $750, and I've repaid $1830 (that's 250%).
- From the last 10 loans i did with you, you gave me a total of 5.745BTC and I've repaid a total of 5.930BTC (see table below) -> an extra 0.185BTC in total = You are in front with my business. Not to mention even earlier loans we've done together. I've done my best with you and you know i always was honest and communicated with you.

   Btc Loaned   Btc Repaid
Apr-17   0.620   0.455
Mar-17   0.650   0.690
Feb-17   0.650   0.680
Jan-17   0.700   0.730
Dec-16   0.550   0.585
Nov-16   0.575   0.615
Oct-16   0.565   0.600
Sep-16   0.560   0.600
Aug-16   0.475   0.515
Jul-16   0.400   0.460
            5.745   5.930
      
   Btc Interest Paid   +0.185BTC
   % Interest                     3.2%
      

You are in front here. Be a fair person and look at it as good karma for you. I have repaid more than i borrowed from you. I cannot pay any more.

Good luck old friend.
Cheers
Goose20





P.S.
We can talking about freezing  interest(or even reducing) but first you need repaid principle amount what you borrowed.

Unichange.me

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February 16, 2018, 08:15:25 AM
 #55

I agree with TMAN completely. Ask zazarb to freeze interest, and lock the loan in USD or AUD, if you're from Australia and is worried about any forex frisks.

Zazarb agreed to even reducing interest, at this point. I think that he would be more than happy for you to repay a lesser amount, even though the contract in the beginning may state otherwise. Obviously you'll have to work it out with him.

At least by doing this you have a target to work towards... Otherwise if BTC continues its way up you'll just have to keep paying more and more. But next time fix the loan in USD first, take this as a lesson. I know you're not the kind to want to go through all this, but this is your mistake. Do better next time and everything would be fine...

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February 23, 2018, 12:30:53 PM
 #56

I have read the whole thread and this is my opinion on this:

goose20 defense is based on the fact that he is entitled to default the loan because BTC has increased in value from the time that he had taken the loan:


...

You state “You are talking about things (BTC skyrocketing) that were not in the original agreement. This has no bearing on the loan repayment.” Well of course it does. BTC went up 10x – 20x so I could no longer afford the payments – that definitely has a bearing.

...



This position has no real world backup.

The fact is that goose20 took the loan in BTC and now is in default. A few years ago, the banks were giving loans in Swiss Francs for everything ranging from personal loans to mortgage loans (you can search on the web to see in which country). In the meantime, the Swiss Franc had increased in value so the rate payments had become extremely large in the national currency compared to when the loan was granted. People had complained to the government, and all the government could do in order to help was to talk with the banks to grant some extensions and this was it. Many people had lost their houses and are still in debt.

In conclusion, my point of view is that goose20 defense it's just an absurder excuse in order to default the loan: in his own words, it says that the increase of BTC value has a bearing on the loan repayment, when in fact it doesn't.

zazarb is entitled to the loan repayment as agreed in the original terms, if the loan was in BTC, then he is entitled to receive the payment in BTC also, if it doesn't specify otherwise in the original terms.

I really think that goose20 wasn't trying to scam, but his approach on this (with inventing excuses) doesn't show a trustworthy behaviour, so, for now, I will leave negative feedback to goose20 in order to warn others until this situation is resolved.

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