Restrict newbies from posting in the lending board?

[MainIbem]

Sorry to intrude into this matter, for lending I believe they have some specific rules and guidelines or even a regulations that will qualify a user to borrow money from any lending service provider and as I read those rules correctly I noticed it will be too hard for a newbie to apply for a loan as the case may be I don't think if they have a big chance to be approved for the loan if they applied. So is left alone for the lender to decides on whom to give or not although I support your opinion to limits those newbies.

Then for the lenders they should also include something like "Any account that recently changed password or email will not qualify for loan" because those hackers may hack the account and apply for a loan without the lender knowing isn't from the original owner., Or not even allowing an account that just Wake up 2 to 1 month ago to be accepted for a loan despite any amount of merits earned within that few days they shouldn't be accepted for a loan.

[Lida93]

The ingenuity of your recommendation is something commended and like other members I do align with your idea. Like how reasonable does it seem having someone join an organisation and starting up with a request for a loan from the organization without having contributed in anyway to the development of it. For it therefore entails that your obsession for a loan is what drove your membership interest and nothing more.

There are some other child boards that newbies are restricted from participating with the idea of avoid trolling, spams and the lending board shouldn't be exempted anymore.

It's true the forum wasn't created with the intention of restricting members from accessing certain areas of the forum but unanticipated issues may arise that demands such decision. Like the popular saying goes: difficult times demands difficult decisions.

[CryptSafe]

The fact that this platform gives her members the opportunity to get loan does not mean some people without much activities here would want to abuse or misuse the  it for nothing. Although I align with OP on this matter but I believe lenders should have their own requirements for a borrower meet before getting the loan they applied for.

As a matter of fact, no lender with his or her clear senses would take such risk giving out a loan to a new bie with no much activity and reputation. I termed that a suicide mission for the lender because they would not see anything back in return of the borrower runs away because they would have nothing to loss as the account is of no worth.

If anybody must apply for loan, atleast the person must have been able to attain some rank valid for loan as collateral otherwise nothing for them.

I think that any newbie after reading rules of engagement for loan application on this platform still ignores  and goes further to apply for loan as a new bie should have their account flagged as they have made us believe that they are possible scammers who wants to abscond with funds without much stress and collateral to show for.
It is am intentional act by these newbie account holders to request for loan which they know they are not qualified for.

[rat03gopoh]

Benefits:
----

• Laugh at random people less. 

It's only a pity if it turns out that some new users really have an honest initiative to get loans here at the end of their struggle, while we don't know that and can only generalize the assumption that all newbies are suspect. In the end (most cases) we just refuse and laugh it off if they doesn't comply with the default "no collateral, no loan" terms.

Of course I strongly support this proposal, but would this really prevent users from sending requests on other boards?

[John Abraham]

As much as I'd like to see more restrictions for Newbies, I think theymos has a point:

Sometimes I find your response is predictable. When I saw this topic title, I thought if LoyceV commented on this post, He must mention theymos and his famous post about restricting newbies. Come on, LoyecV, Upgrade yourself and say something from your perspective (I know you do). I find it helpful to limit newbies from posting on the lending board. It's not like they will be restricted from participating in the forum and not allowed to share their opinion. I mean, I have a point as well. Don't you think so?

I think we should stop protecting people from taking risks: if they're dumb enough to send their money to a Newbie with no forum history, they're on their own.

You didn't say that. Did you? Oh, I don't think you will say that when you see someone is going to send money to a newbie who doesn't have a good or no forum history. As you said, once in a while, you can't stop responding when you see a newbie want to buy 500000 Bitcoins. It would be best if you didn't stop yourself from responding in such a case as well 

[NotATether]

+ 1, I support this proposal.
If all newbie members who apply for a loan end up with a negative trust, it is better to restrict posting to jrmember accounts, will greatly reduce spam.

If this is not possible, a warning message like what happens in the Investor-based games board will suffice.

It should be like the Investigations board where you need to be at least "Member" rank or above or buy a copper membership to see the Lending board. Besides, most lenders have merit requirements which automatically exclude newbies and junior members anyway.

I'm not supporting this out of the reason to prevent mindless arguments on the Lending board, as much as because newbies are technically shadowbanned already from using the board for its intentional purpose (getting a loan). I feel differently about currency exchange board, because escrow is always possible, whereas the purpose of a loan precludes the use of an escrow in the first place.

As much as I'd like to see more restrictions for Newbies, I think theymos has a point:

The things on the forum which encourage spam are allowed mainly because it's part of the forum's mission to be as free as possible.
~snip~

Limiting newbie participation is very harmful for a community. ~ When barriers to participation are too high, then the best people often just won't go to the trouble of joining, and the people who are willing to jump through the hoops are often people who aren't good for the community: people with nothing better to do, scammers, get-rick-quickers, etc. Having a permanent newbie jail policy would improve things a lot in the short-term, but would end up being a fatal poison to the community.

In this case though, the only people who are flooding the lending board are not spammers, but rather ironically the demographic that theymos says will go through the trouble to join (scammers, get-rich-quickers, etc.), while it's true that not all scams will be stopped by hiding the Lending board, it will stop the majority of them.

Besides, a person should not join Bitcointalk solely for the purpose of getting a loan, and I'd imagine you'd agree with me on this one too.

[Timelord2067]

I would also add jr members as well as newbies being banned from posting in the lending section (and there would be a case to make for the currency exchange section being added to that list, too).

[Solosanz]

If restricting newbie to post in lending board is too harsh, it's better if the moderators to consider give a temporary ban like a week or two weeks due to spamming. Forum is too friendly for trolls and spammers.

I would also add jr members as well as newbies being banned from posting in the lending section (and there would be a case to make for the currency exchange section being added to that list, too).

Why should restricting on currency exchange section? I don't see any reason about it, the old or high rank user can ask the newbie to send first or using an escrow. Just be careful if you exchange with PayPal and such which the payment could be revert.

Like the popular saying goes: difficult times demands difficult decisions.

I don't see this matter is a difficult time and the suggestion isn't a difficult decision.

[pakhitheboss]

Any non collateral loan request by Jr Memeber and Full Member should not be entertained by the lenders, that simple! I do not think they should be restricted. The might be some who will have the accepted collateral to apply for a loan.

As for newbies, indeed they have made a mess of the lending boards and should be restricted. If not then they would continue with the spam by creating new IDs on that board.

[Timelord2067]

As much as I'd like to see more restrictions for Newbies, I think theymos has a point:

Sometimes I find your response is predictable.

As do I.

The world not to mention scamming has changed a lot just in the last five years - given this thread is predominantly in favour of the restriction being implemented, then it should be responded to by whomever has the final say.

(we'll save the comments on the apparent transfer of ownership of the Forum for another day).

I would also add jr members as well as newbies being banned from posting in the lending section (and there would be a case to make for the currency exchange section being added to that list, too).

Why should restricting on currency exchange section? I don't see any reason about it, the old or high rank user can ask the newbie to send first or using an escrow. Just be careful if you exchange with PayPal and such which the payment could be revert.

PayPal is another area where scammers are preying on unsuspecting forum members yet neither the Admin/mods, LoyceV nor theymos seem interested in intervention to protect such forum members who have been scammed by their continued silence on the matter.

Too hard? Not really.  Just restrict access to newbies and Jr Members from those sections.

[Synchronice]

If we keep in mind that Moderators work well when you report a post, then it's not necessary to restrict newbies from posting in the lending or in other boards. Lending board isn't that spammed after all compared to Bitcoin Discussion and some other boards where people open meaningless threads and bunch of people post meaningless replies. And I think the more offer lenders get, the more beneficial for them. There is a chance that newbie comes to them with collateral loan request. So, statistically, even if one out of 100 newbie requests loan and offers collateral, it will be beneficial for lenders than zero offer from newbies.

[Hyphen(-)]

If we keep in mind that Moderators work well when you report a post, then it's not necessary to restrict newbies from posting in the lending or in other boards. Lending board isn't that spammed after all compared to Bitcoin Discussion and some other boards where people open meaningless threads and bunch of people post meaningless replies.

When it comes to spamming and meaningless replies, I believe the lending board is a confidential place in the forum to help forum users in need; there is no reason for the thread to be spammed because it is not a discussion thread like the Bitcoin Discussion you mentioned.

And I think the more offer lenders get, the more beneficial for them. There is a chance that newbie comes to them with collateral loan request. So, statistically, even if one out of 100 newbie requests loan and offers collateral, it will be beneficial for lenders than zero offer from newbies.

The lending board has its guidelines and rules, which have some clear restrictions, especially for newbies and junior members in the forum, but the newbies failed to read the rules and went straight to start spamming the thread, even though some newbies with collateral may be granted the loans, which is why the OP decided to create this thread to prevent them from spamming the thread.

[NotATether]

PayPal is another area where scammers are preying on unsuspecting forum members yet neither the Admin/mods, LoyceV nor theymos seem interested in intervention to protect such forum members who have been scammed by their continued silence on the matter.

LoyceV is not a staff member.

[Lida93]

.

Like the popular saying goes: difficult times demands difficult decisions.

I don't see this matter is a difficult time and the suggestion isn't a difficult decision.

Literally speaking, I didn't mean that the matter is quite a difficult one per say, but rather that the times are difficult to putting trust on people so easily as we don't even know who to trust nowadays and that preventive measures should be taken in all situations irrespective of what others may think. For the decision to restrict newbies from engaging in the lending board should be viewed as a necessary preventive measure.

[ChuckBuck]

LoyceV is not a staff member.

he's not saying that LoyceV is a staff, he's just listing them, mentioning them in a list  right? Somehow, I think he's right. Maybe the scammers are too many, they can't control everything, or maybe they're just too tired of it. I don't judge, just a passing thought, anyway, everything is fine, there are always other people protecting the victim.

[Sandra_hakeem]

I'll support the motion... Since they aren't gonna be given a consideration on any loan request (except they've got a good collateral to offer), YEAH?that's just unnecessary when they're found creating multiple threads in there - most times, they have an idea who's qualified for any loan, but they just feel if they could throw shits at the wall, maybe it'll stick.
Other times, it's difficult to know how effective the lending board is, since you'll only find some comparable nuisance in a cordon. How about if they're true newbies that are willing to be honest and follow the rules in there? With 'em ascertained collaterals too?? Isn't that gonna look like lending in here is limited and controlled by the forum which, I'm sure, that ain't supposed to be so??
Edit: what's this raucous of Loyce not being a staff and so on?

Sandra 🧑‍🦰

[rby]

[...]

Like mk4 said, this is a total no-brainer; +1 all day long.

I get that this runs afoul of theymos' mission to make the forum as free as possible, and that is a principle I largely agree with, but there's no universe in which this particular proposal would cause more harm than good.

It's kinda I arrived late but I still have to contribute to the ongoing topic in the following format;

• At first, you understood theymos mission of making the forum as free as possible.  This is nice. I have seen similar suggestions about newbies but theymos didn't act and all is well since the DT power is not in the hnads of the said newbies
• I don't think that there is any lender in the lending board who is willing to lend to any newbie without a collateral
• So, to avoid spam, such newbies should be ignored outrightly or be warned and if they persist, they'll be tagged and everyone moves on

Maybe I'm playing the odd role as I differ from the OP

[Timelord2067]

I don't think that there is any lender in the lending board who is willing to lend to any newbie without a collateral

Newbies concoct all kinds of sob stories and invariably someone (usualy another unsuspecting newbie) will "lend" them funds only to have the borrower not return.

A newbie who lends just enough often enough could then progress to member ...etc and become Legendary then carpet pull / exit scam with the Jackpot such as walking away with privkeys, or worse still the bag of the Forum itself having gained trust wholly through taking out loans.

Along the way hardcore scammers just ask for loans and walk away with the lender's funds.  We've seen it happen all to often - check out the scam accusation threads if you don't believe me.

[ChuckBuck]

I don't think that there is any lender in the lending board who is willing to lend to any newbie without a collateral[/li][/list]

oh, that's not it, I see, I remember shasan loaned a newbie some money 2 days ago, if i remember correctly, sometimes they still put their trust in the newbie, not all 

Along the way hardcore scammers just ask for loans and walk away with the lender's funds.  We've seen it happen all to often - check out the scam accusation threads if you don't believe me.

sure, what's easier than when you take money from a stranger and walk away, they don't even know who you are. And when your account gets a red flag, you throw it away, open another account, repeat the process, wait for someone else with great faith.

I really respect the people who are lending, they have a really great faith 

[Apocollapse]

• So, to avoid spam, such newbies should be ignored outrightly or be warned and if they persist, they'll be tagged and everyone moves on

It has been done like this, those newbies got tagged and warned, but sometime some users playing fun or joking about that. There's no standard and rules for any users to reply, so it's better for the moderators to lock the thread instead.

I'd say when a newbie asking a loan without collateral, it's similar like begging in a different way. As we know begging isn't allowed in this forum and the moderators will immediately delete those topic.

oh, that's not it, I see, I remember shasan loaned a newbie some money 2 days ago, if i remember correctly, sometimes they still put their trust in the newbie, not all  

Did you mean this thread I would like to get 0.005 BTC? you need to recheck the link he posted  

Accepted and sent. Transaction id 6d49dd0c2aeb6c927e1b472a4df872776b4d53be676790cd7b447b245bfd59 Please repay on or before the due date to 3LxcvPmXmXpSzXnyyo7TTJQDhB3z5QTw I have managed it with too much effort so please don't disappoint me.