DT please tag him elmanchez [RESOLVED]

[irfan_pak10]

Please tag elmanchez, He is defaulting at loan borrowed from me.

Reference: https://bitcointalk.org/index.php?topic=981979.msg54145772#msg54145772

Profile: https://bitcointalk.org/index.php?action=profile;u=2553198

04 April 2020, 00:43:27

Issue resolved. He paid

Reference: https://bitcointalk.org/index.php?topic=5237656.msg54152024#msg54152024

Thanks, DireWolf for being escrow.

I request DT to please remove feedback.

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[Avirunes]

Archived here: http://archive.is/ctH8a and will leave a rating in a bit.

Let me know if he repays back the loan amount. Will change my rating.

[irfan_pak10]

Archived here: http://archive.is/ctH8a and will leave a rating in a bit.

Let me know if he repays back the loan amount. Will change my rating.

Sure, Thanks

[Yatsan]

Already tagged

Damn man, I see your lending thread. I want to advice that as much as possible you should just let Sr and above to take a loan or those high merit earners. Sorry for your lose mate.

[irfan_pak10]

Already tagged

Damn man, I see your lending thread. I want to advice that as much as possible you should just let Sr and above to take a loan or those high merit earners. Sorry for your lose mate.

Thanks, man, Really thanks for the advice. I just did this for some reasons, I know he'll pay someday.

[shasan]

Please tag elmanchez, He is defaulting at loan borrowed from me.

Reference: https://bitcointalk.org/index.php?topic=981979.msg54145772#msg54145772

Profile: https://bitcointalk.org/index.php?action=profile;u=2553198

Please create a flag too. Tagged. Also, it should be on the scam accusation board.

[elmanchez]

Got money today, ready to pay with %

I contacted him then I get lost my work and said for every extra week i gonna pay 120k.
Sorry For that

[DireWolfM14]

Before you guys get too aggressive against elmanchez, give him a couple of days.  He informed me that he'll be earning some BTC in the next day or so, and his priority is to pay back his loan to irfan_pak10.  I've been in communication with him, and he's in a tight spot.  He's a bit concerned because he's not working right now, but his rent is paid.  These are unprecedented times, and it's worth being extra generous to those who need help.

[shasan]

Before you guys get too aggressive against elmanchez, give him a couple of days.  He informed me that he'll be earning some BTC in the next day or so, and his priority is to pay back his loan to irfan_pak10.  I've been in communication with him, and he's in a tight spot.  He's a bit concerned because he's not working right now, but his rent is paid.  These are unprecedented times, and it's worth being extra generous to those who need help.

Before this post, the person wanted to pay back. If really payback % than we should remove tag otherwise not. It is not the first time when a defaulter told like this. They may tell this to get a few more dollars from the signature campaign.

[elmanchez]

Thank you for lending me money. It is very nice.
Throughout all the time I was in touch with him and was not going to run away, I just asked to extend the loan.
All the blame lies with me.

[DireWolfM14]

Before you guys get too aggressive against elmanchez, give him a couple of days.  He informed me that he'll be earning some BTC in the next day or so, and his priority is to pay back his loan to irfan_pak10.  I've been in communication with him, and he's in a tight spot.  He's a bit concerned because he's not working right now, but his rent is paid.  These are unprecedented times, and it's worth being extra generous to those who need help.

Before this post, the person wanted to pay back. If really payback % than we should remove tag otherwise not. It is not the first time when a defaulter told like this. They may tell this to get a few more dollars from the signature campaign.

I get it, the negative marks are valid for now.  To elmanchez's credit he's been in communication with irfan_pak10, but I guess irfan_pak10 got tired of giving extensions.  I totally understand irfan_pak10's position as well.  I wouldn't be sticking up for some one who behaves the way elmanchez has been if it wasn't for the plague that's affecting our entire planet.

[shasan]

Before you guys get too aggressive against elmanchez, give him a couple of days.  He informed me that he'll be earning some BTC in the next day or so, and his priority is to pay back his loan to irfan_pak10.  I've been in communication with him, and he's in a tight spot.  He's a bit concerned because he's not working right now, but his rent is paid.  These are unprecedented times, and it's worth being extra generous to those who need help.

Before this post, the person wanted to pay back. If really payback % than we should remove tag otherwise not. It is not the first time when a defaulter told like this. They may tell this to get a few more dollars from the signature campaign.

I get it, the negative marks are valid for now.  To elmanchez's credit he's been in communication with irfan_pak10, but I guess irfan_pak10 got tired of giving extensions.  I totally understand irfan_pak10's position as well.  I wouldn't be sticking up for some one who behaves the way elmanchez has been if it wasn't for the plague that's affecting our entire planet.

Bro, if this person repays that is a bonus point. Usually, as a member rank person, if get such a loan there is 90% chance to have defaulted.

[khaled0111]

Before you guys get too aggressive against elmanchez, give him a couple of days.  He informed me that he'll be earning some BTC in the next day or so, and his priority is to pay back his loan to irfan_pak10.

I'll take your word for it and change the neg feedback to neutral, for the moment.

They may tell this to get a few more dollars from the signature campaign.

If he is going to use that money to repay his loan, then why not! let's give him a chance and see if he is going to be true to his word.

Let's see if irfan is willing to give him a second chance and extend the repayment date.

[shasan]

If he is going to use that money to repay his loan, then why not! let's give him a chance and see if he is going to be true to his word.

When anyone default a loan then tell like this and after getting the payment goes away.

[irfan_pak10]

Before you guys get too aggressive against elmanchez, give him a couple of days.  He informed me that he'll be earning some BTC in the next day or so, and his priority is to pay back his loan to irfan_pak10.  I've been in communication with him, and he's in a tight spot.  He's a bit concerned because he's not working right now, but his rent is paid.  These are unprecedented times, and it's worth being extra generous to those who need help.

I asked you guys to give negative to prevent further suspicious  activity by elmanchez. Will remove feedback once he’ll pay. He seems good guy but life is tough on him as he says. One can not say what is going on with him, that's why I extended repayment dates few times. But at the end decided to put an end and temporarily give him negative.

Please tag elmanchez, He is defaulting at loan borrowed from me.

Reference: https://bitcointalk.org/index.php?topic=981979.msg54145772#msg54145772

Profile: https://bitcointalk.org/index.php?action=profile;u=2553198

Please create a flag too. Tagged. Also, it should be on the scam accusation board.

I agree, but not yet. I'm giving him few more days. After that will create a flag.

[elmanchez]

Before you guys get too aggressive against elmanchez, give him a couple of days.  He informed me that he'll be earning some BTC in the next day or so, and his priority is to pay back his loan to irfan_pak10.  I've been in communication with him, and he's in a tight spot.  He's a bit concerned because he's not working right now, but his rent is paid.  These are unprecedented times, and it's worth being extra generous to those who need help.

I asked you guys to give negative to prevent further suspicious  activity by elmanchez. Will remove feedback once he’ll pay. He seems good guy but life is tough on him as he says. One can not say what is going on with him, that's why I extended repayment dates few times. But at the end decided to put an end and temporarily give him negative.

Please tag elmanchez, He is defaulting at loan borrowed from me.

Reference: https://bitcointalk.org/index.php?topic=981979.msg54145772#msg54145772

Profile: https://bitcointalk.org/index.php?action=profile;u=2553198

Please create a flag too. Tagged. Also, it should be on the scam accusation board.

I agree, but not yet. I'm giving him few more days. After that will create a flag.

Can You send adress in my telegram, sorry again for delay

[elmanchez]

 Thank you to all the guys who responded to this topic, I was not able to pay the debt on time and I am to blame for this.
But I had no intention of deceiving anyone, because God is watching us. Irfan was a very kind and understanding person.
Thanks to DireWolf for helping me figure it out and even putting in a few good words for me, it's very heartwarming.

Thank to shasan and other DT users for responding to this situation.

I tried to repay the debt and even more, but Irfan refused to take more than what I borrowed from him.


Loan repaid.

Tx: https://blockchair.com/bitcoin/transaction/46a004c62bcf4b348a9cf668cdcdb752cf7bc4fbcdfedd4a2d9b5737acaa1613

[khaled0111]

irfan, can you confirm this (1DVHT7RE25W1hDFkn9CBb2qVZhFqi2SxZA) is the repayment address you agreed on?

[irfan_pak10]

Thank you to all the guys who responded to this topic, I was not able to pay the debt on time and I am to blame for this.
But I had no intention of deceiving anyone, because God is watching us. Irfan was a very kind and understanding person.
Thanks to DireWolf for helping me figure it out and even putting in a few good words for me, it's very heartwarming.

Thank to shasan and other DT users for responding to this situation.

I tried to repay the debt and even more, but Irfan refused to take more than what I borrowed from him.


Loan repaid.

Tx: https://blockchair.com/bitcoin/transaction/46a004c62bcf4b348a9cf668cdcdb752cf7bc4fbcdfedd4a2d9b5737acaa1613

Received. Thanks .

[elmanchez]

Isn't elmanchez one of the founders of the "Bullion Coin" CBX??  I vaguely recall the name, but I haven't seen it around the forum for a while now.

My bad - I didn't notice the UID was well over the 2M mark https://bitcointalk.org/index.php?action=profile;u=2553198 It's a very similar profile name to the CBX guy.  Will have to have a look for the other prifile name...

Perhaps this user in the OP is an imposter using a similar profile name??

Was the coin scam?
And you immediately thought of me?
I hurt 😅
No, unfortunately I do not have experience with any ICO.

[khaled0111]

Now you repaid irfan because of the community pressure, no one should trust you with a loan. Thereby my neg will not be removed as you are a loan defaulter.

[elmanchez]

Now you repaid irfan because of the community pressure, no one should trust you with a loan. Thereby my neg will be removed as you are a loan defaulter.

There was no pressure.
If I wanted, I would leave with his money.
But your choice is fair. I delayed the loan, and was ready to give it back with a percentage.
I respect each DT members and agree with any of his opiniona

[yahoo62278]

Now you repaid irfan because of the community pressure, no one should trust you with a loan. Thereby my neg will be not removed as you are a loan defaulter.

If he had stopped communication and disappeared I may agree with you, but he kept communicating the whole time.

He's still in debt to DireWolfM14 who was willing to help him out and take on the wait time instead of Irfan.

You're feedback is yours to do as you wish but you might consider changing it to a neutral and link it to this topic. Your decision of course, just giving my 2 cents.

[DireWolfM14]

Now you repaid irfan because of the community pressure, no one should trust you with a loan. Thereby my neg will be not removed as you are a loan defaulter.

I think this is a bit harsh.  It's your tag, your choice, but since irfan_pak10 removed his tag, I don't see why anyone else would leave their's.  And it's not like elmanchez ran off, he was in communication with irfan_pak10, just requesting an extension that wasn't granted.

irfan_pak10, please correct me if I'm wrong, but you posted this:

I asked you guys to give negative to prevent further suspicious  activity by elmanchez. Will remove feedback once he’ll pay.

This seems to me like you were asking DT members to tag elmachez preemptively.  Which I think is also harsh, but whatever.  That's my opinion, and I'm entitled to it.

He's still in debt to DireWolfM14 who was willing to help him out and take on the wait time instead of Irfan.

Just want to correct this, elmanchez doesn't owe me anything.  I offered to help him out this morning, but he refused because he had money coming in.  He then asked me to provide him an escrow account to hold on to his earnings, and to pay back irfan_pak10.  As a matter of fact, I owe him.  I have ~0.03 of elmanchez's bitcoin in my possession at the moment.

[khaled0111]

Afaik elmanchez does not owe anything to direwolf.

I was one of the first who asked to give him a second chance and yahoo refused. What am doing wrong here?

I'll always edit my feedback based on the community oppinion

Let us elaborate more: direwolf as a lender: if this user comes to you and ask for a loan with no collateral, what would be you response?

[DireWolfM14]

I'll always edit my feedback based on the community oppinion

Don't do that.  Make up your own opinion and leave tags the way you see fit.  As I see it, this wasn't about a loan default, this was about the borrower wanting an extension, and lender refusing.  I personally don't see any reason for a red-tag in this scenario.

[elmanchez]

Afaik elmanchez does not owe anything to direwolf.

I was one of the first who asked to give him a second chance and yahoo refused. What am doing wrong here?

I'll always edit my feedback based on the community oppinion

Let us elaborate more: direwolf as a lender: if this user comes to you and ask for a loan with no collateral, what would be you response?

I completely agree with DireWolfM14, remain unconvinced, I will not die if I walk with a red tag, but I will continue to sit on this forum.
If you think that I should be on a par with people who simply cheated without repaying the debt.

[khaled0111]

I'll always edit my feedback based on the community oppinion

Don't do that.

I won't. I meant if the majority agree that am wrong then most definitely probably am wrong. I edited my prevous reply, please answer my question

[DireWolfM14]

please answer my question

I mentioned above that this morning I offered to help him out.  The offer was to lend him 0.01BTC, but he refused.

ETA:
Another thing I mentioned above is that these are unprecedented times.  Things aren't business as usual IRL, and therefore we shouldn't expect them to be in our digital lives either.  My reaction to the borrower wanting an extension and the lender refusing needs to be taken within the context of our situation; a pandemic that is leaving many lives altered.

[Yatsan]

I change my tag to neutral, hoping other DT will change it too, or delete it.

irfan_pak10 asked for the red tag but it's resolve and elmanchez has pad his loan, no damage on both side should be give since this issue is resolve, no one got scammed and that's good for community.

The one requested for the red tag say this:

I asked you guys to give negative to prevent further suspicious  activity by elmanchez. Will remove feedback once he’ll pay.

elmanchez pay, so we should remove the red tag, easy as that.

[Avirunes]

I reviewed my rating and changed it to neutral after reading DireWolf's post yesterday and changed it. It is hard to come by users who are willing to pay and are good in communication with the lender despite paying nothing against the loan and requesting for extensions. Most of the guys would run away here but he didn't. There are too much plus points here with elmanchez (as I think) and hence I think we should be a bit relaxed in this case.

However @khaled0111 also has a good point that he should not run away with it but I think negative is a bit harsh. Point of negative feedback is when a lender gets scammed but he didn't, instead he was late. Being late should be highlighted as "neutral" IMO and not "negative" as :- "he didn't scammed, he was late".

[hacker1001101001]

I don't even think that it is legit to damage elmanchez further trades with not only red but those alarming neutrals too. As DireWolfM14 said in the faith of the current pandemic and economic instability everywhere it's wise to expect a delay even from an honest and faithful person. Although there are no such previous experiences of high risk with the user.

[o_e_l_e_o]

I agree that a neutral is more appropriate than a negative here. See below:

Forgiveness and de-escalation are key to getting Trust working smoothly:
 - Forgiveness: Often people make fairly small mistakes, but then they seemingly get red-trusted for life. This isn't really fair, and it discourages participation due to paranoia: if you think that you have a 1% chance of running afoul of some unwritten rule and getting red-trusted for life, you might just avoid the marketplace altogether. Red trust should mostly be based on an evaluation of what the person is likely to do in the future moreso than a punishment/mark-of-shame.

I would call being a few days late a fairly small mistake, especially when the user in question did pay up in full and also kept in contact throughout.

Whether or not you think elmanchez is likely to scam someone in future is up to individual users. If you think he is, based on simply being a few days late here, then a red trust would be warranted, but I would argue that being a few days late is not an indicator of being likely to scam in the future.

[LoyceV]

Now you repaid irfan because of the community pressure, no one should trust you with a loan. Thereby my neg will not be removed as you are a loan defaulter.

From what I read, elmanchez said he was working on repaying before this topic was opened. The red tag was meant as a warning so that others wouldn't give another loan before this gets resolved, and the tags have served their purpose.

If red tags can't be removed after users do the right thing, I think it becomes more likely users just abandon their account at the first tag. Mistakes were made, mistakes were fixed, so I suggest to turn your negative into neutral.

Another thing I mentioned above is that these are unprecedented times.  Things aren't business as usual IRL, and therefore we shouldn't expect them to be in our digital lives either.  My reaction to the borrower wanting an extension and the lender refusing needs to be taken within the context of our situation; a pandemic that is leaving many lives altered.

I couldn't agree more! Good people with good intentions can also have their life/income turned upside down out of the blue nowadays.

Whether or not you think elmanchez is likely to scam someone in future is up to individual users. If you think he is, based on simply being a few days late here, then a red trust would be warranted, but I would argue that being a few days late is not an indicator of being likely to scam in the future.

What I see here is a Member who paid back $160 in Bitcoin, even after being tagged. That's far more than the "resell value" of his account, so I think he deserves at least the benefit of the doubt.

[khaled0111]

Changed my tag to neutral to serve as a warning for othersin case he asks for a new loan / something like credit score.

These are tough times for all of us and anyone may find himself unable to repay a loan in time for one reason or another.
I appreciate that elmanchez repayed his loan after all. Hence, I'll give him the benefit of the doubt.

Happy to see this case resolved.

[irfan_pak10]

I always knew that he is a good guy and will repay me someday. That's why I gave him a loan in the first place, and also I sent him a few $ extra donations to his free banner designing services. The repayment date was 16 March, and later he asked me to extend for two weeks, which I gave him without asking any question. After this, he asked me a few more days, and I waited for 3 April, and meanwhile, I gave him warnings. It means we were in the continuous discussion he used to ping me at telegram. At the end of 3 April, I decided to red tag him asked other DT members just to prevent other members if in any case if he asks for another loan. We both agreed with a red label, As I told him at telegram that I'm going to red tag you until you repay, and he said sure, and he also posted in my lending thread that he is ok with a red tag. I know he is going through difficult times, and life is tough on him, and also I'm obligated to let people know about him to prevent further suspicious activity. This is all about I'm obligated to do it, nothing to do with elmanchez. As I mentioned before, I knew he was going to pay. That's it.

Thank you, everyone, for showing interest here and helping out here.

Regards

[elmanchez]

I always knew that he is a good guy and will repay me someday. That's why I gave him a loan in the first place, and also I sent him a few $ extra donations to his free banner designing services. The repayment date was 16 March, and later he asked me to extend for two weeks, which I gave him without asking any question. After this, he asked me a few more days, and I waited for 3 April, and meanwhile, I gave him warnings. It means we were in the continuous discussion he used to ping me at telegram. At the end of 3 April, I decided to red tag him asked other DT members just to prevent other members if in any case if he asks for another loan. We both agreed with a red label, As I told him at telegram that I'm going to red tag you until you repay, and he said sure, and he also posted in my lending thread that he is ok with a red tag. I know he is going through difficult times, and life is tough on him, and also I'm obligated to let people know about him to prevent further suspicious activity. This is all about I'm obligated to do it, nothing to do with elmanchez. As I mentioned before, I knew he was going to pay. That's it.

Thank you, everyone, for showing interest here and helping out here.

Regards

Agree, it was all that way.
I myself am to blame for my neutral reviews that will clearly follow and remind myself while I am.

Only me is to blame, and no one else.

I think you can close this topic.

[sujonali1819]

So, After reading the history I think elmanchez has not any motive to not pay the loan. For that, he was continuously contacted with irfanpk. Actually we are all human and all of us face some problems in real life. And I think elmanchez was also passing hard time in real life.

BTW irfanpk believed that the guy will pay him soon or later. And this thread was a warning so that elmanchez start to more care of the loan and repay it soon. Since it all resolved and now all should remove/change their feedback even DT/Non-DT. And elmanchez should have repaid the loan in the first extended time.

[Railai]

I know elmanchez for arround 1 month, maybe 2. He is definetly a nice and cool guy and had some serious problems, he was good and got over them. Even the neutral feedbacks should be in place, he was most of the time here, active saying that he is late, speaking of his circumstances (being able to login only from a phone), he did an extraordinary effort to pay it. I also helped him with some small bucks at a moment and I am sure he will be able to build back and start having the life normal.

There is no reason even for benefit of the doubt, he was active, he said he is going to be late as things happen. I saw arround 5 years members defaulting and dissapearing over 50 bucks. This guy that's relative new here was online and repaid those ~160$.

That neutral trust is not welcomed and it shouldn't be there from the first place. It demages a lot in his maybe future deals through the forum.