Recently woke up asking for a loan

[GxSTxV]

I won't say that it's a 100% or definitely scam attempt, but it seems so suspicious. Someone who has been gone for over two years, and his first post today after returning is a request for an $800 loan. I believe everyone should be careful and caution when dealing with this user regardless of how much trust he had before or his history. It's also possible that the account has been sold or hacked.



User profile: ~Money~
Last post before the come back : May 02, 2021

The post where he asked for a loan (archived)

Loan Amount: 800 USDT
Loan Purpose: personal
Loan Repay Amount: 900 USDT
Loan Repay Date: 1 month
Type of Collateral: None
USDT Address TRC20: TKQ7ySZVKjdG5AkTegL6J9f26zRDYgKFRJ

One more thing I noticed is that the USDT TRC20 address he provided for the loan has never been used by him before.

[Oshosondy]

I won't say that it's a 100% or definitely scam attempt, but it seems so suspicious.

It is 100% scam.

He has no merit in the last 120 days and he has no campaign.

Thank you for this. Some of them can put on signature and avatar of a campaign to deceive, but I expected loaners will first look at the spreadsheet of the campaign before borrowing anyone loan.

The only reason a loaner can borrow him the money is if he has collateral like altcoins. People can easily convert altcoins now and not likely what would happen.

[_BlackStar]

I won't say that it's a 100% or definitely scam attempt, but it seems so suspicious. Someone who has been gone for over two years, and his first post today after returning is a request for an $800 loan. I believe everyone should be careful and caution when dealing with this user regardless of how much trust he had before or his history.

shasan had rejected his loan request - it was a good decision.

Loan Amount: 800 USDT
Loan Purpose: personal
Loan Repay Amount: 900 USDT
Loan Repay Date: 1 month
Type of Collateral: None
USDT Address TRC20: TKQ7ySZVKjdG5AkTegL6J9f26zRDYgKFRJ

Rejected, sorry.

It's also possible that the account has been sold or hacked.

That's just a possibility that hasn't been proven yet - it might take some reason and evidence to accuse it of being hacked or sold. According to bpip - the account has not changed its password recently, so I don't believe the account has been sold. While making a loan request after being inactive for too long is something that deserves suspicion.

[JeromeTash]

The account keeps waking up periodically, funny that this time it woke up after a good two years and 5 months of inactivity to just request for a loan. What are the chances that if they got the loan, they will never log in again? Almost 100%!

With his past activity history, I don't think he would even get a 50 USDT no collateral loan. At least any responsible lender should be able to see red flags regarding the said account.

[shasan]

shasan had rejected his loan request - it was a good decision.

Before accepting a loan I see a few things about them:
#Trust
# recent merit
# recent post
# Signature campaign.
But the user has failed all of these as the user woke up recently. Who knows if the account has been sold or not?  However, the possibility of being hacked is too low as the user had not created any post regarding the hack.

[TheUltraElite]

It is possible that the account may have been hacked, but there has not been any password change on that account.

Best way for them to prove ownership would be to sign a message from their address posted on the profile page. However that is not a staked address as per what I found on their page at ninjastic - https://ninjastic.space/user/id/122968?addresses

A number of other accounts with the username "money" in it have been listed there.

For now, lenders should ask for collateral or deny the loan.

[Husires]

Best way for them to prove ownership would be to sign a message from their address posted on the profile page. However that is not a staked address as per what I found on their page at ninjastic - https://ninjastic.space/user/id/122968?addresses

A number of other accounts with the username "money" in it have been listed there.

If the account is sold or hackers access personal data, they may be able to obtain the private key for that address. The best solution is to track the difference in language style, so they rarely write a post after the account is hacked or purchased, or they delete old posts, such as posts in local boards.

For now, lenders should ask for collateral or deny the loan.

If he asked for a loan of $100, perhaps someone would believe him, but with $800, he would definitely not repay it.

[yhiaali3]

Thank you for this effort. Good note. Yes, this is suspicious, as a member comes after an absence of two years without any activity and then asks for a loan of $800!!! It is good that the loan application was rejected because it will certainly cause a lot of problems when repaying, of course, if the loan is repaid in the first place.

The loan service is full of problems. Although the members who provide these services have great experience, unfortunately they are exposed to a lot of problems because some people lack honesty, so they have to be very careful when approving any loan application.

[EarnOnVictor]

I won't say that it's a 100% or definitely scam attempt, but it seems so suspicious.

It is 100% scam.

He has no merit in the last 120 days and he has no campaign.

I wouldn't blame this guy if he ever got the loan, I would rather blame the loaner.

Although the forum is an informal place where people don't have to know each other personally or with IDs before transacting, still, there are limits to what should be wisely accepted. And as you iterated above, the account is such that is not in a campaign or has any merit in the last 120 days, I wonder who would take such a joker seriously.

[yahoo62278]

This is where I would send the user a pm and ask them to sign a message and prove ownership of the account. Some may even consider a neutral/Neg tag until some answers are provided. Pretty sure lenders with half a brain would make the users verify himself in some way before considering a loan though. Shasan isn't a dummy and neither are the rest of the regular lenders.

Most likely a sold or hacked account though. Guy asked for a loan and logged out 20 mins later or so. Prob won't see them again for another 2 years.

[The Sceptical Chymist]

Some of them can put on signature and avatar of a campaign to deceive

Have people actually done that in the past, to get a loan or for any other reason?  I can't say I've ever heard of someone putting advertising in their signature space to deceive.  Plus in this case the loan request was for $800 and that would take a number of weeks to pay off even if someone in one of the highest-paying campaigns were to use the proceeds to do it.

Never heard of ~Money~ but looks like they've been a member here for 10 years.  This is one of the reasons why it's a bad thing when accounts change hands.  I'm not 100% certain that's what's happened here, but unless that member really did wake up and decide they needed a loan, it's entirely possible the account was sold or hacked.

[_BlackStar]

-snip-

Before accepting a loan I see a few things about them:
#Trust
# recent merit
# recent post
# Signature campaign.
But the user has failed all of these as the user woke up recently. Who knows if the account has been sold or not?  However, the possibility of being hacked is too low as the user had not created any post regarding the hack.

I know you have quite a lot of experience in handling cases like this - so I have never doubted how you have provided such services over the years. I also noticed you are making some efforts to prevent borrowers from getting the loan amount they want - especially when they make the request the first time, regardless of long-time users or users who have generally made their rank in the last few months.

I don't know for sure whether the user has changed hands, been hacked or has been sold - but from the way he makes loan requests I think he is suspect. After all we don't know what his main motive was - I mean I'm not sure he wanted to ruin his reputation by make a loan request that actually had very little chance of being approved.


shasan - is it possible to assume that the user mentioned above wants to get your positive feedback by applying loan from you?
I think some users do it for that reason - but I hope that's not true, although I suspect some users do.

[Dunamisx]

Though when i checked his profile i found out that he was an Hero Member which makes him qualify only by rank, but I wonder if he take time in reading the requirements for taking a loan on lending board by any services offering such, one has to be an active member of this forum, be at least in a campaign to show that you have an access to lay back your loan through the weekly earnings you get from a signature campaign, I don't know what he's up to that makes him think applying for loan is the next action to take after long time inactivities.

[reagansimms]

Nobody would ever get caught in a drama like this, $800 was a huge amount to entrust to someone who had just woken up from a long sleep. When he returned to the forum, he immediately applied for a loan without further ado with a history of other posts since the last time he made one before sleeping for a long time.
Now he is not using any signature in his profile, how can lenders trust this kind of person. Lenders are not kids who are easily tempted by the $100 included in the Loan Repay Amount.

[_BlackStar]

Now he is not using any signature in his profile, how can lenders trust this kind of person. Lenders are not kids who are easily tempted by the $100 included in the Loan Repay Amount.

Users who have signature and earn weekly payment also have the potential to defraud lenders - even if the user doesn't appear likely to defraud, but there's no 100% guarantee that they don't want to defraud.

You don't have to completely trust my opinion - but check shasan's trust page, I think you'll find some users have committed fraud even though they were in one of the signature campaign. Being part of a signature campaign is not the reason why lenders feel safe - something to consider as it is always difficult to trust someone when dealing with money. Remember - there are always risks with these services.

[shasan]

Users who have signature and earn weekly payment also have the potential to defraud lenders - even if the user doesn't appear likely to defraud, but there's no 100% guarantee that they don't want to defraud.

I have seen several users who were in the signature campaign even the bounty manager who could earn a lot then the loan amount but defaulted on the loan. It might happen for various reasons which I could not identify till now. Even a user took 1000$ loan which has been paid with interest. Then again took 1000$ but defaulted that time.

[Little Mouse]

It's also possible that the account has been sold or hacked.

Unless this is what happened, there's nothing much suspicious. I know this user from another forum where he is a moderator for a long time now and have never scammed anyone.

Never heard of ~Money~ but looks like they've been a member here for 10 years.  This is one of the reasons why it's a bad thing when accounts change hands.  I'm not 100% certain that's what's happened here, but unless that member really did wake up and decide they needed a loan, it's entirely possible the account was sold or hacked.

He is a member in another forum since 2009 and still active there. I will send him a PM now to make sure what actually happened.

Edit-
He just told me that it's not his account. That's quite suspicious lol. I used to know this account belongs to that person.

[Razmirraz]

Users who have signature and earn weekly payment also have the potential to defraud lenders - even if the user doesn't appear likely to defraud, but there's no 100% guarantee that they don't want to defraud.

I have seen several users who were in the signature campaign even the bounty manager who could earn a lot then the loan amount but defaulted on the loan. It might happen for various reasons which I could not identify till now. Even a user took 1000$ loan which has been paid with interest. Then again took 1000$ but defaulted that time.

An evil plan in disguise, that's how I judge people who fail to pay their loans after paying off their loans in the first period. They deliberately apply for a second loan with the intention of not paying back the loan.
Not all users who participate in signature campaigns can be trusted, they only think about personal gain by getting money instantly but don't care about the losses to the lender and the reputation of their account. Actions like this are inexcusable.

[zasad@]

I'm not a fraud specialist, but it seems to me that such an account, which was registered in 2013, has a value of more than $800.
But if a user participates in a subscription campaign and has an additional bonus of 300-400 dollars per month, then why would he cheat on this forum for 800 dollars?

[bittraffic]

I'm not a fraud specialist, but it seems to me that such an account, which was registered in 2013, has a value of more than $800.
But if a user participates in a subscription campaign and has an additional bonus of 300-400 dollars per month, then why would he cheat on this forum for 800 dollars?

It wouldn't make sense but it would take ~Money~ to join a campaign to be able to get a loan which he likely needed now.

Asking for a loan while the account recently just woke is not good for their business. They will scrutinize the account for good and may want to sign a message of their old wallet to see if it is still him. Because definitely as it happened before accounts could change hands.