Why not have a rule that will make newbies account that requested for a loan

[Charles-Tim]

Why not have a rule that will make newbies account that requested for a loan to be reported and deleted?

Many newbies are creating account which is used to post a loan request. I think some of the people creating such topic may not even be new on this forum. Probably some people may be bored and just want to do something funny or they just want to troll on the forum.

Here is an example: Whale Loan
Take a look at his username.

I know a newbie can decide to start a loan service. I mean to be lending people coins. It may even be a member that does not want to disclose his real account probably because some people may know him in real life or he or she just do not want to disclose his real account and start a loan service. This one is better.


So for this reason, why not just include it in your rules that newbies are not allowed to request for a loan. At least, someone should be a junior member or even a full member before he can request for a loan. Newbies that has no post before can not be trusted, no one will give such a person a loan. Such topics are unwanted, and that makes them to be spam. Spam should be deleted. Should be reported and be deleted.

Edit:
Those newbies with loan service threads will not be among those that will not be able to post.

[Hazink]

I don’t think such rules are necessary. The loan provider should be the one to decide the qualifications of who they can give a loan to, and not the forum itself. I know it looks scammy to see a brand new account ask for a loan, especially a non-collateral loan, but how about if, like you said, a member creates a new account and offers a valid collateral in exchange for a loan? With such rules, they can’t be allowed to access such a service.

[Charles-Tim]

know it looks scammy to see a brand new account ask for a loan, especially a non-collateral loan, but how about if, like you said, a member creates a new account and offers a valid collateral in exchange for a loan? With such rules, they can’t be allowed to access such a service.

This is true. I have not seen newbies account creating such post and offer a valid collateral before. All I read are still coming from people that have been given numerous negative feedbacks before. This does not make it come to my mind but you are right about it. It can be included in the rules that newbies with valid collateral are not part of the people that their posts will be deleted. Just those with no collateral posts will be deleted. But maybe the trolls will begin to offer invalid collaterals.

[lovesmayfamilis]

How many newbies have you seen who strictly follow all the rules? Why do you think these rules will be heard by them? No one in their right mind will give credit to a newbie, so it's their problem, and it's either the time that they spend on creating an account and posting that nonsense that outraged you. Nothing in the world is perfect; idiots were, are, and will be. Just let them show their stupidity, and once again hear about their stupidity from other people.

[Obim34]

Including the rule won't stop them from going on with their intention.

Newbies don't care to read rules, even if they do it doesn't stop them from breaking those rules since their intention is to exit scam.

No one has been paying attention to their loan application, not even the biggest loan service in the forum accepts their application, whether or not the rules is set those applications are often ignored, you also can't control how many times they submit the same application, if deleting will be all.

[JeromeTash]

It's probably just a couple of trolls doings so. Creating new accounts and requesting for loan every other time they are bored. My guess is it is either 16xypjnxlrew or ps34
Very common trolls in the lending board.

They won't be able to scam anyone anyway so they are just wasting time

[notocactus]

Why not have a rule that will make newbies account that requested for a loan to be reported and deleted?

Just no more newbie jails that is a theymos' vision and the reality of the forum.

With this post, if theymos' vision does not change, the newbie jail will never return but human always can change, who knows.

Limiting newbie participation is very harmful for a community. Newbie jail will never return: I consider the newbie-jail period to have been extremely damaging to the forum. 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.

The low signal-to-noise is a real issue which seriously annoys me and is often on my mind. But as you mention, fixing it non-destructively is difficult.

Scam with loan from newbie, I believe that there is no newbie with loan service here so with experienced users and loan providers, they will not accept any newbie loan request. No chance for newbies to scam experienced loan service providers.

[Charles-Tim]

Just no more newbie jails that is a theymos' vision and the reality of the forum.

This is not newbie jail.

Ranks lower than junior members or members or so can not post in serious discussion board while you have to become full member before you can post in watch tower. Is that newbie jail? This one, newbies are still allowed to post on the lending board.

What I am proposing is not newbie jail that can harm the forum. And not that newbies will not be able to post, but those that have just come should not request for loan. Newbies that wants to start loan thread can still do. Those with valid collateral also can still do.

But I do not think this request is necessary anymore because I believe the trolls will start with invalid collateral loan requests.

[Alpha Marine]

Loan people should have the privilege of giving out loans to whoever they see fit. If the person is a newbie and has collateral that is valuable enough to the loan provider, then it's fine by me, but most loan services I've seen here don't give loans to newbies anyway.

Here is an example: Whale Loan
Take a look at his username.

That's by the way, anyway, this particular post should have been deleted. I assumed you reported it. I just did too. Posts like these should be deleted and the account red-tagged. When you ban people like these, they will just create another account and continue from where they stopped. Giving him multiple red trust is the best solution for me. Nobody will give him a loan with an account like that, and no sane person will do business with an account like that. 

[Btcdeybodi]

I think there are people who offer collateral loans even though i don't know what collateral they require but if a newbie meets up the criteria for borrowing, the lender can decide to give a loan to them at his own risks. However, ordinarily, a newbie ought to understand that they cannot be given a loan since they haven't build up trust or have a signature campaign they are earning from that will guarantee a possibility for a repayment of a loan. Placing restrictions or rules on newbies is not advisable even for cogent reasons. I see many newbies accounts that tries to get a non-collateral loan being red tagged, is it enough justification for a red tag? Perhaps, they are just alleged scams, a neutral would have seem like a kind of warning to them so that they don't try such in the future. However, being an established member is not even enough, some can still default a loan so newbies should only be cautioned but not condemned.

[Charles-Tim]

Perhaps, they are just alleged scams, a neutral would have seem like a kind of warning to them so that they don't try such in the future. However, being an established member is not even enough, some can still default a loan so newbies should only be cautioned but not condemned.

Both red and neutral feedbacks are better. But in most cases, the users have nothing good to render on this forum. That makes both the red tag and the neutral tag not worth it but at least, the red tag is enough for people to know that they are scammers. If you send them money, consider your money gone.

I give anyone that wants to attempt scam a red feedback.