Opinions on the word "Vouch"

[yahoo62278]

Throughout my whole life I have always thought that if you "vouch" for someone, then you are telling people that you trust that person. You also agree to take responsibility for that persons actions.

Now to my question. If you "vouch" for someone that they are trustworthy and they take a loan, is the person who vouched putting their reputation on the line? If you didn't trust a person to repay, why would you "vouch" for them?

Curious to see what others say about this.

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[icopress]

Let's put it this way... if someone from my inner circle asked me to vouch for him (let's say, if it was an unsecured loan).

And if I did this, it would imply that if the debt was not paid, the debt would automatically become mine.

[Mr.suevie]

Let's put it this way... if someone from my inner circle asked me to vouch for him (let's say, if it was an unsecured loan).

And if I did this, it would imply that if the debt was not paid, the debt would automatically become mine.

Very short and probably the most simplest way to put this and am quite sure that's the sole reason people don't always feel comfortable vouching on someone behalf and not on the note that the person can't pay but sometimes life has it up's and downs and you can never know what's going to happen next so it's better to know the journey you are taking by vouching for someone when it's involves a matter of loan.

[Coyster]

I can vouch that a particular user is trustworthy, maybe in one of my posts, or in their trust page, if that user goes on to take a loan and defaults, then it is not on me. But if a user is about to take a loan and i am called upon or i decide on my own to vouch on their trustworthiness in repaying the loan, if the loanee defaults, then i have plenty of the blame on me.

[SatoPrincess]

Now to my question. If you "vouch" for someone that they are trustworthy and they take a loan, is the person who vouched putting their reputation on the line? If you didn't trust a person to repay, why would you "vouch" for them?

IMO vouching for someone is like being a surety for that person. Like the word “surety” implies you have to be sure of that person you’re vouching for. You don’t just vouch for anyone, you cannot really know a person until you have had financial dealings with them. In most cases where a guarantor or reference is needed, it means the person doesn’t have credibility to access thr loan, so the reputation of the guarantor will be the currency with which the person is purchasing the loan.

I don’t think the debt automatically become yours should the person default. However you are required to provide the whereabouts of the person who took the loan. If you can’t do that, then people may start to think you also had a part to play in the scheme.

[SamReomo]

Now to my question. If you "vouch" for someone that they are trustworthy and they take a loan, is the person who vouched putting their reputation on the line?

Yes, if you are vouching for someone then you will be responsible for the dealings. Let say if you vouched for someone that he's a trustworthy person and he pays loans on time, and after your vouch a lender agrees to give that person a loan.

That person has got the loan because you vouched for him and the lender trust you not that person, if he somehow doesn't pay the loan back then the one who vouched will be responsible. And, there is big chance that the one who vouched may end up paying the loan if other party run away.

On this forum we can see so many members run away after taking loans, Sashan's lending thread is a good example for us to see such people. I believe one should try his/her best to not vouch for someone else because if the other person doesn't pay the loan then it can impact the reputation of the one who vouched for that person.

[Nerdy doctor]

You’re mainly right. If you vouch for a person, then you’re letting people know you trust that person and can attest to their actions. It doesn’t necessarily mean you agree to take on the responsibility for the actions of that person.

If you vouch for someone, you also put your reputation on the line as that person would not ordinarily be taken serious without your word. And if the person takes a loan with the help of your influence and doesn’t pay back, you won’t be held liable to repay the loan. Unless of course you initially agreed to pay if the debtor doesn’t pay.

You could also offer to willingly pay back the loan in order to protect your reputation cause when next you’re vouching for someone, People may not be that willing to accept just your word.

[Stalker22]

Throughout my whole life I have always thought that if you "vouch" for someone, then you are telling people that you trust that person. You also agree to take responsibility for that persons actions.

Now to my question. If you "vouch" for someone that they are trustworthy and they take a loan, is the person who vouched putting their reputation on the line? If you didn't trust a person to repay, why would you "vouch" for them?

Curious to see what others say about this.

You make a fair point.  Vouching for someone means putting your own reputation on the line to speak to their character or credibility.  However, it does not equal blanket endorsement of everything they might ever do.  The scope matters.  For instance, I could vouch that someone is honest in a particular situation without claiming they will never tell a lie.  Its circumstantial and  Im sticking my neck out based on what I know of them in that moment or context.

Even honest people sometimes fail their own standards.  So vouching is not a lifelong guarantee as much as staking my belief in who they are, right then and there.

[Dr.Bitcoin_Strange]

Now to my question. If you "vouch" for someone that they are trustworthy and they take a loan, is the person who vouched putting their reputation on the line? If you didn't trust a person to repay, why would you "vouch" for them?

Curious to see what others say about this.

For example, if user "A" votes for user "B" during a loan collection, it directly means that user "A" will take full responsibility to repay the loan if it is defaulted by user "B.". Vouching for anyone anywhere means that the person vouching has agreed that they trust the person, and they must also be made to agree to face full responsibility for whatever the person they vouched for commits. 

In some local villages of my country, during loan collection, the borrower usually visits the lender with one or two witnesses who stand as guarantors to vouch for the borrower. If the borrower fails to repay the loan, those guarantors will take the responsibility because they vouch for the him during the loan collection.

[Timelord2067]

I can vouch for the disingenuous question the O.P. is asking.

[Synchronice]

What does the word vouch mean? To support certain evidence. Vouch for someone means to say that that person is good, honest and trustworthy. It will be good if people don't use word vouch. Even if they use, no one should expect to receive anything from them if they get financial or other kind of damage from the person that they vouched.
I think that no one thinks about guarantor when they hear word vouch. Anyways, it will be good if no one uses words lightly.

[examplens]

Yap, a vouch for someone means that you are ready to take on their obligations. With that act alone, you enter your reputation, and, logically, your reputation will be conditioned by the final result of such a deal.

I have bad experiences with those things, so I wouldn't dare to vouch for someone in a financial deal, loan or whatever. Very careful in real life, but not at all online.

[_BlackStar]

I have bad experiences with those things, so I wouldn't dare to vouch for someone in a financial deal, loan or whatever. Very careful in real life, but not at all online.

When someone risks their reputation to guarantee someone in a financial deal ^{[for example in the case of a loan]} - then the most important thing is that the worst consequences should not be ignored.

Someone who is honest and trustworthy with us will not necessarily behave the same way when dealing with other people. In the real world - someone I trust because of his honesty will not be guaranteed to be honest when I recommend him to someone managing a business. Maybe a disclaimer is needed - he is trustworthy to me, but giving him a loan or something like that is at your own risk.

[examplens]

Someone who is honest and trustworthy with us will not necessarily behave the same way when dealing with other people. In the real world - someone I trust because of his honesty will not be guaranteed to be honest when I recommend him to someone managing a business. Maybe a disclaimer is needed - he is trustworthy to me, but giving him a loan or something like that is at your own risk.

In that case, it cannot be called a vouch.
The OP asked about "vouch", and I understood that word as an unconditional guarantee. No additional footnotes, disclaimer etc... such as he is trustworthy to me, but giving him a loan or something like that is at your own risk.

[Hhampuz]

Things change, people change. You can be a highly respected and trusted member of any community and everyone would vouch for you and your behaviour up to that point, which is valid. If you then do the complete opposite I would not hold the people who vouched for you accountable at all, unless they knew nefarious or malicious things were going to take place.

[logfiles]

Now to my question. If you "vouch" for someone that they are trustworthy and they take a loan, is the person who vouched putting their reputation on the line? If you didn't trust a person to repay, why would you "vouch" for them?

I wouldn't vouch for any service I haven't used in the past or haven't grown to trust over time, otherwise I would look at it as shilling. I don't see any point of vouching for them if I don't trust them at all, unless if there is some hidden deal/interest I am not talking about. By vouching for them, yet I have never used their service or loaned them any money, should anything go wrong, my reputation should be under fire as well.

[yahoo62278]

I can vouch for the disingenuous question the O.P. is asking.

I got curious and took you off unignore for a second. It's pretty sad that you have lowered yourself basically to the level of an internet troll here on the forum. You ruined yourself and now just troll users for what reason? I'm sorry you fell you are more important than you are, you may as well just go hang out in a local board cause nobody here really gives a damn about you these days. The way you act lately because of your own actions knocking you down, is pitiful. Such a waste!!

[Marvelman]

Absolutely, if you say someone's good for a loan and they end up not paying it back, that makes YOU look bad.  Your name and reputation are on the line.  It's like you promised everyone "Trust me on this dude" and then dude flakes out and leaves you high and dry.  Not a good look. 

So why even vouch for somebody if youre not positive they're responsible enough to repay on time? Doesn't make much sense to put your own credibility at risk for some random buddy you hardly know and  you gotta have faith the person will handle it right or there's no point sticking your neck out.  Really, you should only vouch for people you truly believe in and feel confident will do the right thing.

[Riginac111]

According my cultural traditions, before you vouch for someone for loan neither the person is your bosom friend or your relative, and you know the person character too well even it hideout, so for you to vouch for the person you have decided to repay the loan if the person in question is unable to its debt, so it's either you repay the debt or you look for the person that collected the loan and present him to the person or organisation he collected the loan from,

Else you will be the person to pay the loan since the person you vouch for is not were to be found, so we take much of our time to decide who we will vouch for, and something of this nature is applicable to your friend  come to borrow money from you, neither you declined to lend your friend the money he wants to borrow or you give him give him any money in your possession if you don't want you guys to separate because the money you lend him. In all if someone that lend money is unavailable the person that vouched for him shall hold responsible.

[lovesmayfamilis]

Being a guarantor on the Internet for a person with whom you communicate only online, without knowing his whole life outside the Internet, is very risky for me. We know thousands of stories where people have gained trust for quite a long time, creating the impression of a very decent person, but one day there is an explosion and you see his real personality.
For me, there is a big difference in the definitions of the words “trust” and "vouch." I can trust a person; I can trust something personal that is not related to others; but I will be careful to be responsible for the actions of another person