What rules apply in Lending?

[DarkStar_]

I currently run an 'altcoin collateral required' lending service in the Lending section, and was thinking of expanding and offering no collateral loans (again). I wanted to create a new thread for the 'no collateral required' service for better organization and clarity, but I can't figure out whether or not that would be against the forum rules.

There's this rule that only applies in Currency Exchange:

16. Do not have more than one active sales topic in the Currency exchange board. [3]

And this rule in the Gambling section could somewhat apply:
One thread per site ONLY

But as far as I know, there's no Lending section specific or forum wide rule that would disallow this.

Thoughts? Am I missing something?

[The Cryptovator]

Since you are offering different production/output that's why your thread will not under this rules (IMO). Your previous thread about collateral loan and you want to make none collateral lending thread. So both production is different. I don't think that rule applicable for your thread. Mods could clarify if I am wrong.

I believe a "no collateral" and "altcoin collateral" lending thread would probably be considered "reasonably similar" if you are the lender in both cases.

Is not "altcoin collateral" and "none collateral" converse each other ?

[PrimeNumber7]

I believe this rule would apply to you.

5. Reasonably similar* items must be listed together

*at moderator discretion

I believe a "no collateral" and "altcoin collateral" lending thread would probably be considered "reasonably similar" if you are the lender in both cases.

[DarkStar_]

I believe this rule would apply to you.

5. Reasonably similar* items must be listed together

*at moderator discretion

I believe a "no collateral" and "altcoin collateral" lending thread would probably be considered "reasonably similar" if you are the lender in both cases.

Thanks, that was the rule I was looking for but couldn't find. I think I might as well just put it all in one thread *just to be safe*.

[jackg]

I personally think putting them in separate threads is more desirable than having them in one thread. It just becomes confusing if you do that (to me at least)...

Although it does mean you have two threads to maintain, I doubt any mods would care too much about a secondary thread though.

It's up to the moderators so it might be better to wait for a response from them or maybe pm one?

[Steamtyme]

Odds are it is best to just place it in with your current thread. You'll just have to create another section to your OP explaining the format to apply for the different loans, and maybe some stipulations about the types of candidates you're looking for (if you're placing restrictions).

While it is a similar service there are differences, and I'd say there are enough you may be able to warrant a second topic. Have you considered a PM to Cyrus or Hilariousandco for their opinion.

Seeing as the quoted guideline does mention at moderator discretion. I tend to apply it towards the buying and selling of goods, not so much services being offered. That could be that I haven't seen it abused in that way yet.

[PrimeNumber7]

I believe a "no collateral" and "altcoin collateral" lending thread would probably be considered "reasonably similar" if you are the lender in both cases.

Is not "altcoin collateral" and "none collateral" converse each other ?

They would both be lending threads.

The single thread would be "collateral optional" with a note with the requirements to get a loan without collateral. 

[DarkStar_]

I personally think putting them in separate threads is more desirable than having them in one thread. It just becomes confusing if you do that (to me at least)...
Although it does mean you have two threads to maintain, I doubt any mods would care too much about a secondary thread though.
It's up to the moderators so it might be better to wait for a response from them or maybe pm one?

It would probably be annoying if every lender decided to make two threads for loans. Mods are probably busy enough as it is so I'll just put it into my current thread. Perhaps they'll read this thread and give a definite answer, but until then, I'm okay with one thread.

[eddie13]

Just do whatever you want.. You would prefer a separate thread for organization purposes right? Especially since it seem to be established that their is no rule against it..
The worst that's going to happen is some mod trashes your thread.. So what?

[Harlot]

I believe this rule would apply to you.

5. Reasonably similar* items must be listed together

*at moderator discretion

I believe a "no collateral" and "altcoin collateral" lending thread would probably be considered "reasonably similar" if you are the lender in both cases.

Thanks, that was the rule I was looking for but couldn't find. I think I might as well just put it all in one thread *just to be safe*.

This is a better solution the way you constructed your Loaning service should be different now since you'll be adding another option. The way I see it is for your thread to work you must separate it into two sections namely the "Collateral Qualified Loans" and "Collateral Required Loans" to be more straight forward with the loaning service you are offering.

[DireWolfM14]

I believe this rule would apply to you.

5. Reasonably similar* items must be listed together

*at moderator discretion

I believe a "no collateral" and "altcoin collateral" lending thread would probably be considered "reasonably similar" if you are the lender in both cases.

Thanks, that was the rule I was looking for but couldn't find. I think I might as well just put it all in one thread *just to be safe*.

Depending on your posting style, you are likely to find it more convenient to do all your business in the one thread.  Folks don't like reading too much, and tend miss relatively obvious stuff, like whether collateral is required or not.  I foresee a lot of misplaced posts if you have two threads.

[CryptopreneurBrainboss]

*at moderator discretion

Since it says "at moderators discretion" then maybe you contacting the moderator in charge of the board in question might grant you your request. As far i know there isn't an official rules of the forum. Moderators are free to interpret the rules in their understanding (unofficial). I don't welcome the idea of combining collateral loan with non collateral loan just sounds like merging a business with a charity.

[PrimeNumber7]

*at moderator discretion

Since it says "at moderators discretion" then maybe you contacting the moderator in charge of the board in question might grant you your request. As far i know there isn't an official rules of the forum. Moderators are free to interpret the rules in their understanding (unofficial). I don't welcome the idea of combining collateral loan with non collateral loan just sounds like merging a business with a charity.

I believe this is more in line with when there is a gray area if two threads belong in one.

An example might be if someone is selling a particular type of miner both on behalf of a third party and a different type of miner on a personal basis.

I think the OPs case is pretty clear cut.

[DireWolfM14]

*at moderator discretion

~

I would venture to guess that moderators prefer fewer threads overall, and their discretion would lean towards that preference. 

[CryptopreneurBrainboss]

There's no harm in trying if you don't want both thread linked together contact the mod in charge and if he's ok with it fine but if he's not, that's cool too. I have visited the lending board way back just to see how things are going over there and if you notice I have merited your thread although just (+1) but haven't merited others that because of how yours was structured.

I'll hate to see it get compromised with spam of members hurting for trust feedbacks with Non-collateral loans. But just seen you added that option, that's cool too since it's your decision to make.

[DarkStar_]

I ended up just putting it all into one thread and it turned out pretty good. I just wish titles could be longer (which was the main reason for wanting two threads - I can put more information inside the title for clarity)

[Distinctin]

Other lenders who offers both collateralize and non collateralize loan don't create other threads for their lending service, so that's find to include all information in one thread.

Knowing your interest which is lower compared to the average lenders here, I believe people will be transferring in your service once your non collateral lending will formally open.

Good luck, your decision is right to expand your business, more lenders now are looking for a non collateral loan.