Opinions on the word "Vouch"

[Helena Yu]

No offense, if you trust the person, why you didn't lend your money? I feel like if you didn't want to lend your money, it means you're not completely trust the person. Yeah you could argue if you don't have enough money due to your needs or the amount is too big, but the point is you can lend the money you currently have, not necessary to lend when you have full amounts.

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. 

Are you sure? I'm not, @OP is one of among users that has a privilege.

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[BitcoinGirl.Club]

If you didn't trust a person to repay, why would you "vouch" for them?

I saw people to vouch for others but then asked to do the due diligence for any scam or unexpected result, the voucher is not liable.

I can not mention the specific threads but if my memory is working properly I saw it many times. However I do not see anything wrong in it. Not everyone of us is using words in proper manners. It may be different for native English speakers though.

[robelneo]

Suppose I vouch for someone I have experienced that the person's character is accurate based on what I'm vouching for him, but that does not mean that the information about the guy is correct or accurate. which is why, I never vouch or guarantee anyone when it comes to a loan, If I didn't trust the guy would repay a loan I would not vouch for him because my decision to vouch for him leading to getting a loan would backfire in my reputation.

You can vouch for anyone but that does not mean your vouch is accurate on the character of the individual so you have to make it clear that it is based on your experience of how trustworthy the guy is and not what the real character of the guy is.

[The Sceptical Chymist]

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.

I wouldn't go that far unless it was explicitly stated that the person who vouched for the borrower would be responsible for the debt in case of a default.  What I would say for certain is that the reputation of the person who vouched for the borrower might be called into question if the borrower turned out to be a scammer.

That word "vouch" can mean different things in different circles of people--in some, it can mean your life if you vouch for the wrong person while in others it might mean far less.  So I'd say there's really no concrete answer to your question, yahoo62278.  If you're strictly talking about forum matters, I'm going to stick with what I said in the first paragraph, i.e., that it's a reputational risk one takes when vouching for another member unless other terms are stated outright.

[pakhitheboss]

The first question that comes to my mind when I hear the word "vouch". Why would anyone vouch for someone who is anonymous in the forum as the question was asked here. The next question that will come to my mind is that the person who has vouched is related to that person in any ways. If that is the case then it is the person who vouched has to take all the burden of the loan borrowed incase that person is unable to pay the loan.

[hg_away]

In my personal transactions, the word “Vouch” means that you guarantee that the borrower has sufficient assets to repay that loan or has family/friends/acquaintances who can repay that loan. Therefore, if a problem occurs and the loan is not repaid, you can force him to sell those assets or talk to others to repay the debt for him.

In short, it is your responsibility to make him pay the debt, whether directly or in installments.

[Upgrade00]

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.

Being a guarantor for anyone at all is risky. Knowing someone physically, and even living with them does not guarantee you can predict their actions. Online communications, some of the time can give off more about a person than a physical encounter would and guide how you relate with them. But do not vouch for people casually, if you can "vouch" for more than 2 people you know (both online and off), I'll consider that to be a little too much.

Only trust yourself at all times.
Trust yourself to trust others dependent on the situation.

[AbuBhakar]

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.

Definitely, vouching for someone especially for the purpose of loan is already equivalent of being a co-maker of the loan which the person you vouch make because that person will not get the loan without your vouch.

This crucial here in the forum since we are all anonymous and our reputation is the product of our action here. It’s important to not vouch to someone here because you will never know what he will do because he will surely dragged your own reputation. Yogg is the best example here, he is very reputable and probably people that deal with him can easily vouch for him before he commit the massive scam on his cards. This is a disaster if someone vouch for when he take a huge loan then later on commit the scam.

[aioc]

I once become a guarantor or a vouch for one guy from his loan, its a legal loan coming from a company and they need a guarantor for that kind of deal, I vouch for the guy because I believe he has the capability to pay the loan and we've been together for a long time that I know he has a good character and he will not put me at risk or his reputation,

If you are going to vouch then you believe that the guy will repay the loan, you should not vouch someone who you think will not repay the loan, you partake responsibility when it comes to taking loan,so be careful who you vouch.

[GeorgeJohn]

Being a guarantor for anyone at all is risky. Knowing someone physically, and even living with them does not guarantee you can predict their actions.

You can be guarantor to someone you know very well, like your good friend and your siblings, if that is last opportunity for your siblings for them to start up their journey of richness you will sacrifice to vouch for them because you know from home, saying vouching for someone is risk it depends on the individual difference.

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.

It's the worst I can do, to vouch for someone online, online relationship is just a mere relationship that doesn't hold water strong, what we needed to do before we guarantee anyone...

First: we have to know the person physically not only online

Second: we have to know home and house number of the person and also know joints or bars or sports activities where the person normally enjoys he or her life, because we endorse our signatures as a guarantor.

Third : you also have to know three or two persons that someone you want to be guarantor for, if you have the person information of this three categories, you can guarantor the person because you have a backup...at this point it's not longer a much risk.

[BabyBandit]

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.

I would say it depends. But if you say like this below the answer is very simple. Yes! 

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?

If you say a person is trustworthy to take a loan and he get granted the loan because of that it's up to you to solve the problem if he don't pay back himself period.
It's the same as to be a creditor to a friend/family member if they don't have a good credit you can help them to be a creditor when they gonna apply for a loan if they fail to pay back it will in the end land on you.

But also in the end, if the person pay back that loan and what he does after that should not affect you but it should be some kind of communication also.
You cant be responsible for a individuals actions for the rest of your life, everyone and everything changes with time.

[YOSHIE]

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?

Here a conclusion can be drawn.
Guarantee, Reputation is at stake and don't believe it.

Here there are three different understandings, Guarantee which I know is responsible for the user concerned financially that is the basic point, if the person concerned does not keep the promise, Of course the guarantor is responsible for everything, which is certain that he has staked his reputation on the user.
Now you don't believe it, why is he guaranteeing it? In fact, this point of view, if interpreted broadly, can be viewed from pity, consideration and remembering, here tolerance is born between people, not the basis for believing it, That's where it appears again and applies to guarantors considering the value or property, in other words, the guarantor looks at and carefully examines the limits of the user's loan history, In other words, the guarantor's issuance does not exceed the risk to the guarantor and the guarantor may also hope for the agreed reward, for this reason, if the right occurs, the guarantor does not look at it from the perspective of trusting it, but from the perspective of the reward from the guaranteed user in the future.

The same as guaranteeing, but there is a reward agreed to the user concerned, not a basis for trust.

[Lucius]

I have noticed this word more often when it comes to boards like Digital goods where members sell digital things, and in order to "start a business" they often give a "vouch copy" to a few high ranked members who then have to write an honest review. I've always thought it was a very slippery slope, because for just a few $ I would never guarantee that other buyers would also get what they paid for - especially if the seller has products that range from a few $ to several hundred $.

When it comes to publicly expressing our trust in someone that they will do something that is expected of them, and if that doesn't happen, we can certainly feel somehow responsible if it doesn't happen. I could do such a thing for several members of the forum that I trust, and I would have no problem being financially responsible in case something goes wrong.

[LoyceV]

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.

In my proxyban topic, a "vouch" basically means: "I think this guy is not a shitposting spammer".

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?

In Dutch, that would be "garant staan", which Google Translate turns into "guarantee". "Vouch" is "instaan" in Dutch, which boils down to the same thing. I looked up the Dutch meaning to see if there would be subtle differences.

So I think you're right: vouching for someone means it becomes your personal obligation to make sure whatever he does gets paid. But I also think the word "vouch" is being used lightly online.
That being said, I would never vouch for anyone Money can destroy friendships and family parties. I'd vouch for my kids though, if they fuck up I'm liable anyway.

if you trust the person, why you didn't lend your money? I feel like if you didn't want to lend your money, it means you're not completely trust the person.

Good point. Who would vouch for me if I take a $1000 loan? It's pointless: if you'd vouch for me, you could just as well give me the loan yourself. At least that way you'll earn the profit that comes with the risk.

[ineedhelpplease]

I have always used the word “vouch” for when they have been trustworthy with something for me. The trust level can change in the future however, but the vouch stays for their legitimacy, since you trusted them with something and they went through with whatever it was

It feels different however if you’re asking around looking for people to vouch to back up the persons trustworthiness because if I said someone was trusted, and then they scam(without me knowing their intent ofc) then I would feel guilty.

[m2017]

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?

Of course, he puts his reputation on the line, and even more so, his wallet. By vouching for a creditor, you agree to bear the burden of responsibility for his debts. Therefore, if you take on this obligation, it would be good to have some leverage over the lender. Of course, if you don't want to engage in charity and pay other people's bills.

In fact, the bank only needs a guarantor as a backup option from which it can extract debts for the creditor.

[Die_empty]

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.

I can vouch for someone based on our past dealings and the person might have changed his behavior over time. But there is a difference between serving as a guarantor for a loan and to vouch for someone. If you guarantee that someone will repay a loan, you are liable if he defaults but you are not responsible if you just vouched that the person will repay the loan.

No offense, if you trust the person, why you didn't lend your money? I feel like if you didn't want to lend your money, it means you're not completely trust the person. Yeah you could argue if you don't have enough money due to your needs or the amount is too big, but the point is you can lend the money you currently have, not necessary to lend when you have full amounts.

Apart from not having the funds to lend to a friend, why would I have to lend money to someone when some people or organizations offer such a service? Don't also forget that lending money to a friend or relative also has some repercussions. Your relative or friend might not willingly pay back a debt because of a close relationship. They might be trustworthy but the closeness might mark them default because they know that there will be no penalty and you will always consider them. It is ideal for your relative only funds you can afford to forgo.

[LTU_btc]

If you're vouching for someone, you you should accept responsibility for your own words. Be man of his words. I don't like when people when people talking without thinking about consequences of their words. If you behave in this way, your vouching is just worthless and you're just ruining your own reputation.
And after all, we are talking about vouching people who you never saw face to face and communicated just online. Maybe you shouldn't hurry with vouching something and you should do that with people that you REALLY trust and you're ready to accept responsibility if something goes wrong.

[SatoPrincess]

I agree with Hhampuz, people change. You can’t really predict what can happen in an online community like this, circumstances can cause a person to do things that are out of character. We trust people based on their previous actions and expect that their future decisions will be in line with what they have done in the past. I was still new to the forum then but I remember this thread quite well as it was a huge discussion:
Bitcointalk Charity and it’s funds

[notblox1]

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?

Yes they are are putting their reputation on the line, but they cant be responsible for everything that happens with person they vouched for.
I cant guarantee that someone wont run away with money if they have some emergency, or that something could happen to them in real life and they never return to forum.
Better think good before vouching for anyone you consider to be your virtual friend.