What Happen if bitcointalk member pass away?

[Sarah Azhari]

There is sad news in our local forum, a member who has active in long time ago died. ~ pandukelana2712 ~

I do not know exactly him even have read his post and his thread. so what makes me interested is, what happen with his lending, does he still have to pay?, give it up?.

I don't think so, because in my habit, if someone died, usually a lot of people on neighbors give it up,
but another financial company ask for heirs to pay it off.

Thanks alot.

[Z-tight]

Bitcointalk is not a financial company, so loans are between the lender and the loanee. If a person dies while having an active loan with someone in the forum, that should be the end of it because there is no way an heir or next of kin is going to pay back the loan, except the loanee is a kind of person that communicates to his family about any loan taken even from a forum like ours, and directs them to always pay back should anything happen to him, in that case if the member is that kind of person and his family have the password to his forum account, then the loan can be repaid.

[Strongkored]

The deceased had already entrusted funds to his partner to pay off his debts before he died I think it was the obligation of his colleague to pay them off immediately, and I read that his colleague also said that he would pay off even one of the reasons he created an account on this forum (if I am not mistaken) was to clear this matter, so nothing to be debated.

[tranthidung]

Your question is not clear.

What happen after a death of a forum member is related to what was done by that member in the forum: contributions, active loan must be repaid, scam accusations ...

Not all death cases will be reported and verified as many of us don't know other members in person. We just know them via the forum, the Internet and that's all we know about each other. To verify death cases, it requires more information, more contact in person and mostly we don't have it.

After a forum member passed away, if the member has great net-effect and contributions, the head admin (theymos/ Cyrus) can give some special treatments as follow

• A special badge like In Memoriam
• Lock that account permanently for security reason like what were done for accounts of satoshi and Lauda
• Investigate further like case of paraipan

Community members can keep investigation going with scammers who suddenly passed away or faked their deaths as well as flow of scam money.

Bitcointalk's Hall of fame

[Despairo]

It's similar like what Bitcointalk will do if someone got scammed, the forum didn't even do anything to the scammer and also with the victim, but DT members will put negative feedback and flag on the scammer account.

It's more correctly to say does pandukelana2712's wife/children/siblings/parents etc that has family connection with him is owe the money? I'd say it's yes, but I think his family doesn't know this forum.

[Charles-Tim]

The deceased had already entrusted funds to his partner to pay off his debts before he died I think it was the obligation of his colleague to pay them off immediately, and I read that his colleague also said that he would pay off even one of the reasons he created an account on this forum (if I am not mistaken) was to clear this matter, so nothing to be debated.

But there can be exceptional cases. Example is someone that is travelling and had a car accident and instantly died. It could be in a way he had no friend or family that will pay back the loan. Family is even what we can consider more because friends can know about it and do not do anything because only family can be concerned if they are capable of paying the loan. Even the deceased family may not know anything about bitcointalk, not to talk of knowing anything about the deceased having loan to pay back.

[noorman0]

-snip
does he still have to pay?, give it up?.

Of course, the lender expects that return regardless of the borrower's life status. Furthermore, it is up to the heirs or relatives of the deceased whether they believe the loan was ever made (this is a pseudo-anonymous forum) or even care about it. In this case the lender has only a glimmer of hope, but according to our belief, the dead should not leave debt unless the lender give it up.

[Findingnemo]

There is sad news in our local forum, a member who has active in long time ago died. ~ pandukelana2712 ~

I do not know exactly him even have read his post and his thread. so what makes me interested is, what happen with his lending, does he still have to pay?, give it up?.

I don't think so, because in my habit, if someone died, usually a lot of people on neighbors give it up,
but another financial company ask for heirs to pay it off.

Thanks alot.

This is bitcointalk not a banking community, we can't actually find who is the real user behind the name because bitcointalk never asked for KYC ( apart from April fool's day) while registering so we don't know them unless they expose their real idenitiy to community or someone in the community via personal message.

If someone died they can't pay anything because that is their end with banking sector they may have collateral so they can seize it and auction them to collect the loan value or other practices like legal heirs have to pay the remaining debt. Here, if someone died they can't login to anymore so obviously the red tag will be under their name forever.

[Fullcoinese]

in the case in general, the forum will not be responsible for it. The settlement will occur between the lender and the borrower. if the borrower has died, and still leaves an active loan. no one can solve it. If the family finds out, I think it can still be resolved.

in the case of Pandukelana2712, he has already given a will to his friends or relatives. it can be solved although it turns out to take quite a while to figure it all out.

[Panglima Perang]

There is sad news in our local forum, a member who has active in long time ago died. ~ pandukelana2712 ~

I do not know exactly him even have read his post and his thread. so what makes me interested is, what happen with his lending, does he still have to pay?, give it up?.

I don't think so, because in my habit, if someone died, usually a lot of people on neighbors give it up,
but another financial company ask for heirs to pay it off.

Thanks alot.

Do you have valid proof about pandukelana2712 have pass away? he has still loan and validate last weeks about he was pass away.

[yahoo62278]

Is this person's real full name known? Do we know 100% this isn't a scam where someone is trying to dodge repaying a debt? Can a death certificate be produced?

Ultimately, it's up to Darkstar as to whether he wants to pursue the colle ting of the debt and clear the account of any bad trust. From my understanding I thought the guy had left some money with someone to repay the debt? Maybe I misunderstood?

[NeuroticFish]

what happen with his lending, does he still have to pay?, give it up?.

I expect normally nobody pays that up. I expect normally nobody knows about such loans.
What can happen? The account will get negative trust rating and gets ruined? Since nobody else will use it (nor know) it doesn't matter much.

So imho for the lender there's not much of a difference whether the "customer" runs with the money or dies.
The amounts of money are usually small and the expense of getting after his family would be greater.

However, this kind of stuff doesn't happen much, so imho you're worrying for no use.

[dkbit98]

I do not know exactly him even have read his post and his thread. so what makes me interested is, what happen with his lending, does he still have to pay?, give it up?

He obviously can't pay for his lending anymore if he is dead, and it's up for the guy who lend him coins what he is going to do.
Some family members could probably pay this if they inherit his account with Bitcoin and will instructions, but I wouldn't count on that, and I don't like the idea of inheriting accounts.

But about the legality, their family, spouse or friend have no legal obligation the debt in most cases. It's different case if that person wish to keep asset which isn't fully paid yet or cosigned a loan with the deceased one.

Any debt is usually passed on spouse or other family members, but I have no idea how this would apply for coins someone borrowed in bitcointalk forum.
Legality of this is not cleat in many jurisdictions, and people could also remain private, not connecting bitcointalk account with their real identity.

Is this person's real full name known? Do we know 100% this isn't a scam where someone is trying to dodge repaying a debt? Can a death certificate be produced?

This sounds very much like deja vu case of Bruno aka Gleb Gamow aka Phinnaeus Gage   but I am certainly not expecting any death certificate will be produced here.

[Eternad]

The deceased had already entrusted funds to his partner to pay off his debts before he died I think it was the obligation of his colleague to pay them off immediately, and I read that his colleague also said that he would pay off even one of the reasons he created an account on this forum (if I am not mistaken) was to clear this matter, so nothing to be debated.

This not legally true since there is no written contract to enforce this kind of transfer of debt. All loans here in the forum is not legally binded by the law since the contract is just between the lender and the borrower. This is the risk that lender willing to risk by providing loans on anonymous borrower. Only trust is the one connecting both parties to this loan agreement.

The loan will die here if the user didn't respond for a long time or forfeit. Many user already defaulted on there loan and none of them is put on jail or being pursue by the law. This is loan default is same when the user passed away.

[Rikafip]

Is this person's real full name known?

roycilik should know that info since deceased relative contacted him, telling what happened.

Do we know 100% this isn't a scam where someone is trying to dodge repaying a debt?

I guess there's always a chance that this is a scam attempt, but what would be the benefit of faking your own death? Its not like you can reactivate your account or year or two later and just continue like it never happened and since his real identity was unknown, chances of lender finding him was slim to none.

[_BlackStar]

I do not know exactly him even have read his post and his thread. so what makes me interested is, what happen with his lending, does he still have to pay?, give it up?.

There is some info that I read about pandukelana loans, but can you confirm this information?

But the surprising thing is, Pandukelana2712 managed to leave some money with a relative to pay off the loan to DarkStar_ (before he died) but he failed to find the right person before communicating with roycilik.

This is a misunderstanding. He was actually responsible at the end of his life, by entrusting money to his relative/colleague to pay debts in this forum (because at that time he was seriously ill and given the mandate). However, for several logical reasons, this fact can only be conveyed several days ago, when 1000 days after his death.

Hopefully, with this, his good name will be clean again and there will be no more misunderstandings regarding the debt. And currently, the loan repayment seems to be in process.

The repayment will be handled by Pandu's friends, dewo_sat, and with the help of Roycilik. He will send the IDR amount of 0.064 BTC, and then Roycilik will send the bitcoin repayment to DarkStar_.

At least that is the current plan, he still needed a few days to collect the money.

In my opinion, because pandukelana has entrusted money to his friend to pay his debt to Darkstar_ then I think now his friend must be responsible for paying it off to the lender. But either way Darkstar_ may have an answer to your question and I don't think we ever know how it will be decided.

[Igebotz]

Is this person's real full name known? Do we know 100% this isn't a scam where someone is trying to dodge repaying a debt? Can a death certificate be produced?

Ultimately, it's up to Darkstar as to whether he wants to pursue the colle ting of the debt and clear the account of any bad trust. From my understanding I thought the guy had left some money with someone to repay the debt? Maybe I misunderstood?

The loan has been over 2 years now, clearly the user is a loan defaulter who had no intention of paying, and his account is already useless as we speak, so I don't understand why he would fake his own death over a loan he had no intention of paying.

Nobody is going to submit a death certificate because we don't have any leverage to demand it, and death announcements aren't something we should politicize. If his local community declares him dead, he is dead. Perhaps a good samaritan will pay off his forum debt and release his soul from the bonds of the other world.

[indah rezqi]

what happen with his lending, does he still have to pay?, give it up?

Instead of creating a thread I might suggest you PM Darkstar (if it's about pandukelana loan) or a lender for an accurate answer if it's about another user.

I don't know for sure if someone has ever written off a loan and forgotten it when someone out there had gotten the money to pay off the loan to the lender before death. In the pandukelana case, he had asked his friend to pay off the loan (in progress) so maybe it would be different from other cases.

[TelolettOm]

pandukelana2712

You put the wrong link. It is not a profile link of pandukelana2712 account, it is the link to a thread made by roycilik.
You should change it with the right link https://bitcointalk.org/index.php?action=profile;u=1304130.

I don't think so, because in my habit, if someone died, usually a lot of people on neighbors give it up,
but another financial company ask for heirs to pay it off.

In Pandukelana's case, he already gave the payment to his friend (@dewo_sat). So, the heirs have no responsibility to pay again. @dewo_sat is the person who must give the money to @ DarkStar_. But I don't get updated news of whether he already sent the payment to @DarkStar_ or not. Ideally, @dewo_sat must send the payment as soon as possible when Pandukelana gave it to him. But I don't know why @dewo_sat didn't do it, he just announced it to us now. I think it is a bit too late.

[Mr.right85]

I originally thought that your thread was concerned about what happens to a bitcointalk account after the users passes away but, it seems that is not the major concern here as it is instead focused on the possible scenario of a running loan.

Well, death is an unfortunate situation but if I may be a little sarcastic, I'll suggest those that are aware of when the would die to please pay up there loan. You know how some people would die on the forum and be alive in the real world, perhaps return with a different account.
Anyway, its important that one tries to pay up there debts so as not to discourage those offering these services. It's helping a few people on this platform.

Meanwhile, from my high school days, there is something called bad debt and its usually what was owed by a dead person which is often unrecoverable. For some though.