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Author Topic: Loan Defaulted [Continuous]  (Read 207 times)
shasan
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April 14, 2021, 12:16:41 AM
Last edit: April 14, 2021, 12:40:15 AM by shasan
Merited by LoyceV (6), nutildah (2)
 #1

What happened:: Loan Defaulted

Scammers Profile Link: https://bitcointalk.org/index.php?action=profile;u=951567

Reference Link: https://bitcointalk.org/index.php?topic=5030169.msg52013334#msg52013334
Archive: https://archive.md/RN7DB#selection-4129.0-4461.98

Amount Scammed: 0.015BTC+0.001BTC per week from 24th may 2020.
Payment Method: Bitcoin
Proof of Payment: https://archive.fo/u4UVG#selection-4967.9-5263.21

Additional Notes: I approved loan request of Continuous July 31, 2019 loan amount was 0.025 and repayment amount was 0.0275BTC
Repayment date was 14th August. But on 15th august 2019 s/he want to repay 0.03BTC later at 17th  august s/he told the date is 18th august. On 18th august 2019 asked new extension. New repayment date was 21st august and repayment amount was 0.0325BTC. 22nd august 2019 wanted to repay 0.035BTC at 24th august. on 24th august told that s/he want to pay next day 0.036[BTC. 26th august told will repay that day 0.037BTC. 27th august told will repay that day 0.038BTC. On 29th august 2019 offered me 0.001BTC per day extension fee. On 2nd september 2019 told s/he will repay before it reaches to 0.05BTC. 9th september told me new repayment amount is 0.055 and will repay after 5 days. 0.005BTC repayed on 11th september. 18th september told me that s/he will repay 0.02BTC 2 days latter and rest on that week. On 22nd september told will repay partial on that day but again failed. On 26th september paid 0.011BTC and after that amount due was 0.052BTC. On 1st october told will repay 0.01BTC within 2-3 days. On 8th october paid 0.01BTC and after that due was 0.053BTC. On 27th october 2019 told that s/he will repay 0.02BTC next day but failed. On 30th october 2019 I wanted to create scam accusation but s/he promised that I will get full repayment within 2 months and each week s/he will send partial. on that week received 0.004BTC after that due was 0.081BTC. 10th November told that s/he will send 0.01BTC within 3-4 days but failed.  16th november sent 0.005BTC and rest due was 0.084BTC after that repayment. Also told next day will send more but failed. 28th november sent 0.006BTC, rest due was 0.09BTC and told will repay more on the weekend. 13th december 2019 told will repay next day 0.01+BTC but failed. 15th december 2019 promised 0.015BTC will be sent that week but failed. 15th december 2019 to 25th february 2020 stopped communication though in these time s/he was active on telgram. On 26th february 2020 s/he told he was ill. S/he told me that now s/he cant repay the full amount as it was too much for extension fee. Then I asked his/her offer.


New Agreement
March 09, 2020 s/he agreed to pay me 0.025BTCon 1st of April and 0.025 on the 1st of May totaling 0.05BTC. On 1st april 2020 told me that 0.03BTC will send next week and 0.02BTC on next month. So, this time also failed. Then I asked atleast 0.002BTC to be sure that s/he actually want to repay and received 0.002BTC on that day. On 10th april sent 0.012BTC. on 17th april sent 0.011BTC so totally paid 0.025BTC  by 17th april which s/he wanted to pay by 1st april. Now rest is 0.025 upon our agreement which should be repaid by 1st may 2020. on 2nd may 2020 told me that 0.0125BTC will be paid by 5 days and rest within few more days. 17th may 2020 I told to repay within 24th may or each week s/he should give 0.001BTC per week which was agreed by him/her. 18th may 2020 sent 0.01BTC. 22nd june 2020 told that s/he will repay rest 0.015BTC+extension fee next day but failed. 30th june 2020 asked 15 more days for the rest 0.015BTC+extension fee but failed.   2nd july 2020 told  he will be paid by next day. After that day there was no communication though I s/he was online on telegram. I messaged and called him many times but no response. 14th april 2021 messaged me on telegram. Gave me negative feedback on bitcointalk. Also recently woke up from a long period of inactivity on the forum and changed password.

Flag: https://bitcointalk.org/index.php?action=trust;flag=2701

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shasan
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April 14, 2021, 12:17:35 AM
 #2

may update more later

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April 14, 2021, 04:04:10 AM
 #3

I have read it and the moment that the second time that the defaulter promised to pay back, I know for a fact that they aren't going to pay back that loan, this is the biggest risk in loaning online, I hope that OP will get paid and if not then I wish that the karmic cycle will strike hard on this defaulter because they are hindering a business.

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April 14, 2021, 09:15:08 AM
Merited by nutildah (1), Little Mouse (1)
 #4

How much did you receive in total in return for this 0.025BTC loan (I don't want to add up the amounts myself)? Continuous' Sent feedback shows:
Quote
Repaid 0.076 BTC
Is that correct?

I told to repay within 24th may or each week s/he should give 0.001BTC per week which was agreed by him/her.
Even though this was agreed upon, and even though he's very late paying back, I don't think it's reasonable to expect another $3800 for the initial $240 loan.

To me, this looks like someone who tried very hard to pay you back, but couldn't afford it because the late-fees keep going up faster than he can repay you. If it's true you received (quote a lot) more than the principal amount, might I suggest to let this one go? I know it sucks, I know it's easy for me to say as it's not my money on the line, and I know it's largely caused by Bitcoin's very high bull run that makes loans in Bitcoin very risky, but at the rate this is going he won't ever be able to pay you the full amount (which increases by $60 per week).

0.015BTC+0.001BTC per week
Where I live, this is about 20 times more than the maximum interest anyone is allowed to ask. One of the reasons for this maximum is to limit exponential debt growth, because that would very quickly make debts impossible to repay.

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April 14, 2021, 09:44:38 AM
 #5

Is that correct?
It might be I have not counted total. I have added all according to our discussion.

Even though this was agreed upon, and even though he's very late paying back, I don't think it's reasonable to expect another $3800 for the initial $240 loan.
First of all I dislike extension. Those who have asked extension or took loan from multiple person defaulted loan (it happens atleast 40% time to me). The borrower took loan about 2 years ago. And all time extension fees offered by him. According to his/her offer the loan amount is many more than I mentioned. first time when the borrower stopped communication the due amount was about 0.09BTC or something like that. After few months s/he contact back with me and gave another two months where repayment should be 0.05BTC. So, the amount is too low than this borrower wanted to pay also took several months extension free. On that 0.05BTC s/he paid partial on several extension. And stopped communication while due was 0.015BTC+extension fee until then.


240$>3800$ didn't understand. I think you mean 0.025=240$. I cant remember how much the price on that time. And the repayment happened while price was low s/he never paid 3800$. If you count 0.076BTC then repayment happened about 3 times of innitial loan amount. But if the person didn't take loan from me or not asked extension from me then I may make many more than that amount. It is not a fact which I could or couldn't, the fact is that s/he defaulted loan by not repaying as well as stopping communication.

Note: I usually do not make any offer, I took offer from borrower. So, it is not my fault if the person offer more and then blame me.

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April 14, 2021, 09:56:45 AM
 #6

240$>3800$ didn't understand. I think you mean 0.025=240$.
Correct. The principal amount was about $240 at the time, and the total remaining (0.015+0.001*46) is about $3800 now.

Quote
the fact is that s/he defaulted loan by not repaying as well as stopping communication.
This seems correct, but I don't like supporting a Flag based on screenshots.

Quote
Note: I usually do not make any offer, I took offer from borrower. So, it is not my fault if the person offer more and then blame me.
I noticed that. It wasn't a smart move.

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April 14, 2021, 10:05:56 AM
Merited by LoyceV (2), nutildah (2)
 #7

and the total remaining (0.015+0.001*46) is about $3800 now.
If the borrower wanted to repay or contacted me back for negotiation then I may not asked for these amount. The borrower logged to provide me negative feedback(the feedback which s/he was given was removed by him/her and gave new feedback after the accusation and contacted with me to blame on telegram. Lets say something about this 3800$. If the price goes 3.5K$ which was gone before price up. Then it could be too low. And if any borrower take loan now and stop communication and come back while price go too below then what will happen?

I stopped creating scam accusation if the borrower stay offline, I just give negative feedback. But I have to create scam accusation while the defaulter come back and there is a chance to make loser other forum member.


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April 14, 2021, 12:12:03 PM
 #8

I would blame all these because of the skyrocketing price of bitcoin. I am also a victim of the same. And at this moment I am not continuing with my lending business too.

Sorry for your loss buddy.

0.015BTC+0.001BTC per week
Where I live, this is about 20 times more than the maximum interest anyone is allowed to ask. One of the reasons for this maximum is to limit exponential debt growth, because that would very quickly make debts impossible to repay.

When two party is in an agreement then it does not matter if this is too high or too low. Besides we are not considering the dollar value but the BTC amount.

Flag supported. @Continuous, if the issue resolved then please feel free to PM me. I will remove the support.

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April 14, 2021, 12:30:08 PM
 #9

Obviously, I should be on your side in this situation. However, there was a feeling that made me feel pitiful for that guy. You did the right thing in this situation, as you both reached an agreement and agreed to follow it. But in terms of profits, 0.001 per week is too big a fee for any loan I've ever known before. Even for illegal organizations where I live, 6% profit per week is very high.

Surely he was not able to fully repay this money, as it was beyond his ability. Personally, I see that he put in effort for a long time.

And again, I respect you for being silent when he was inactive. I appreciate it very much, as the money you received up to the moment he disappeared is far beyond the original amount. I also don't understand why that guy left you with a negative feedback instead of an apology  Roll Eyes Personally, if I were you, when I got the apology and the sincerity that he couldn't pay that money, I would probably ignore it.

Anyway, I think you got a good return based on the BTC price, you can be happy for it, right?

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April 14, 2021, 03:16:00 PM
 #10

what was the reason for the extension of loan repayment?
Asking for an extension every day or two sounds like from someone who has a gambling problem. also, the promise of high fees sounds desperate, you as an experienced lender should recognise that.
Did you ever calculate, what if he takes a regular loan with your regular interest rate, how much debt there would be at this point?

You have a right when you say "I usually do not make any offer, I took offer from borrower. So, it is not my fault if the person offer more and then blame me." although it does not act professionally. It will be interesting to see this loan with your usual interest rate. I saw on DarkStar_ very clear and orderly management of his loans.





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April 14, 2021, 04:08:18 PM
Merited by nutildah (1)
 #11

The flag has enough to mark the profile red.
This is very sad. You help someone when they are in need, and they stab you on your back. The user woke up recently which means the account is not even in the original hand. Maybe someone can ask him to sign an address.

I saw on DarkStar_ very clear and orderly management of his loans.
There is no guarantee that DarkStar_ do not get scammed. If I remember he also had some scam accusations against some users. The business to give money to others is a risky business after all.

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April 16, 2021, 12:59:45 PM
Merited by examplens (1)
 #12

240$>3800$ didn't understand. I think you mean 0.025=240$.
Correct. The principal amount was about $240 at the time, and the total remaining (0.015+0.001*46) is about $3800 now.

I don't think it's fair to convert amounts into dollar terms. Especially not in terms of the values they once had. 1 BTC will always equal to 1 BTC.
Had bitcoin continued to decline since 2019, this could also have gone in the opposite direction.

While I personally oppose such high interest rates, it is up to lenders and borrowers to come to an agreement.
I support the flag because I believe that Continuous has violated the contract. At the same time, despite numerous attempts to accommodate him, he leaves a retaliatory negative feedback to shasan.

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April 17, 2021, 08:18:24 PM
Merited by nutildah (2)
 #13

I'm on OP's side for this one.

The agreement was completely denominated in BTC with no mention of any fiats. As such, there should be no expectation on the borrower's side that the loan should be adjusted into fiat terms if BTC does climb significantly.

What if BTC prices went down instead of skyrocket? Then would the borrower be liable to pay the loss in fiat?

Although, if the borrower was willing to repay a lump sum and settle the loan altogether I think OP should be lenient and accept a discounted loan value. But that's not an obligation imo.

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