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Loan Request Canceled
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Phantomesk
Contra Ratio
GameTheory
#1 - 2015-05-01 04:26:22 UTC  |  Edited by: Phantomesk
So this is most definitely a long shot but I figured I would put up the loan request anyway.

I'm looking to buy a character and I now only need 15b (reduced from 30b) to finish the buy.

I can give a wallet and transaction API key to anyone looking to supply the loan as I do have a steady source of income (I just don't have the full amount of isk for the sale I wish to purchase).

Please feel free to message me in game about this as well.

I have very little to give as collateral (somewhere around 3 to 5b worth of Items that I can use).

I plan to pay this loan back over the course of 3 months (probably sooner), paid weekly or bi-weekly with a 20% interest rate (or whatever the loan giver prefers) on the remaining amount at the end of every month.

Here's to hoping.


Due to the seller of the character now asking for much more than I feel the character is worth, I no longer need this loan to buy the character as I will not be purchasing them. Thank you all for your help.
Elizabeth Norn
Nornir Research
Nornir Empire
#2 - 2015-05-01 11:51:34 UTC
Lan Wang
Princess Aiko Hold My Hand
Safety. Net
#3 - 2015-05-01 12:34:19 UTC
15b a month hmmm in 2 months you have 30b Big smile

Domination Nephilim - Angel Cartel

Calm down miner. As you pointed out, people think they can get away with stuff they would not in rl... Like for example illegal mining... - Ima Wreckyou*
Phantomesk
Contra Ratio
GameTheory
#4 - 2015-05-01 12:49:09 UTC
Lan Wang wrote:
15b a month hmmm in 2 months you have 30b Big smile


yeah, saddly the character I'm looking to buy, and the person agreed to hold for 30 days, wont be around in 2 months. That's why I'm asking.
flakeys
Doomheim
#5 - 2015-05-01 17:22:15 UTC  |  Edited by: flakeys
You got more chance finding a character for the same or a lower price then getting that isk on MD.


Uncollateralised loans are dead here , appart from the handfull that is on life support .And sooner or later , probably sooner , those will die off too.

We are all born ignorant, but one must work hard to remain stupid.
GankYou
9B30FF Labs
#6 - 2015-05-01 17:51:07 UTC
Try starting a thread for a request of a 25-27bn completely uncollateralised loan instead.

Hope that helps.

...And they all crave one thing - ISK. ¤

[WTS] ME10 / TE20 BPOs from Battleships/Cruisers to Fighters, Carriers, Triage/Siege, XL modules & Cap Components
Phantomesk
Contra Ratio
GameTheory
#7 - 2015-05-01 19:44:14 UTC
GankYou wrote:
Try starting a thread for a request of a 25-27bn completely uncollateralised loan instead.

Hope that helps.


Thanks for the advice. I have since reduced the requested amount.
GankYou
9B30FF Labs
#8 - 2015-05-01 20:15:05 UTC  |  Edited by: GankYou
Phantomesk wrote:
GankYou wrote:
Try starting a thread for a request of a 25-27bn completely uncollateralised loan instead.

Hope that helps.


Thanks for the advice. I have since reduced the requested amount.


I recommend lowering it to 20 again, and trying once more.


☠ ☠ ☠



Something tells me, that potential success lies along intersection of the collateral level and the requested sum. Smile

You see, for such undercollateralised high risk loans, an interest rate of 50% is not out of the ordinary - payable on a weekly, if not a daily basis. However, interest alone won't do, that is, of course, where principal collection is in principle impossible to do and achieve in both theory, and in practice.

In a proper and Just universe, there are certain effective methods of persuasion, when it comes to pursuing debt collection, but alas in our dear Eve I know of no such ways. Smile

Oh, how I wish for our Dearest Eve to be true in this respect of generating emergent player content™. How. I. WIsh. It. So. Smile

...And they all crave one thing - ISK. ¤

[WTS] ME10 / TE20 BPOs from Battleships/Cruisers to Fighters, Carriers, Triage/Siege, XL modules & Cap Components
Phantomesk
Contra Ratio
GameTheory
#9 - 2015-05-01 20:20:28 UTC
GankYou wrote:
Phantomesk wrote:
GankYou wrote:
Try starting a thread for a request of a 25-27bn completely uncollateralised loan instead.

Hope that helps.


Thanks for the advice. I have since reduced the requested amount.


I recommend lowering it to 20 again, and trying once more.


* * *



Something tells me, that potential success lies along intersection of the collateral level and the requested sum. Smile

You see, for such undercollateralised high risk loans, an interest rate of 50% is not out of the ordinary - payable on a weekly, if not a daily basis. However, interest alone won't do, that is, of course, where principal collection is in principle impossible to do and achieve in both theory, and in practice.

In a proper and Just universe, there are certain effective methods of persuasion, when it comes to pursuing debt collection, but alas in our dear Eve I know of no such ways. Smile



Alright, I will lower it to 20b with a 40-50% interest rate (whichever the loan giver wants) paid on a weekly or bi-weekly basis (again, whichever the loan giver prefers)
GankYou
9B30FF Labs
#10 - 2015-05-01 20:32:00 UTC  |  Edited by: GankYou
Phantomesk wrote:
GankYou wrote:
Phantomesk wrote:
GankYou wrote:
Try starting a thread for a request of a 25-27bn completely uncollateralised loan instead.

Hope that helps.


Thanks for the advice. I have since reduced the requested amount.


I recommend lowering it to 20 again, and trying once more.


☠ ☠ ☠



Something tells me, that potential success lies along intersection of the collateral level and the requested sum. Smile

You see, for such undercollateralised high risk loans, an interest rate of 50% is not out of the ordinary - payable on a weekly, if not a daily basis. However, interest alone won't do, that is, of course, where principal collection is in principle impossible to do and achieve in both theory, and in practice.

In a proper and Just universe, there are certain effective methods of persuasion, when it comes to pursuing debt collection, but alas in our dear Eve I know of no such ways. Smile



Alright, I will lower it to 20b with a 40-50% interest rate (whichever the loan giver wants) paid on a weekly or bi-weekly basis (again, whichever the loan giver prefers)


No, no, no. Please re-read the post with proper syntax and understanding. Smile

I am afraid that any successful loan for the conditions that you've specified would put both parties at possible risk of potential future cincumvention of the by-laws as ordained in the world beyond the Eve Gate/Wormhole, should the debtor fail to repay the principal.

This is very serious, grievous business going on here. Smile

I am just an Information Broker, and am providing this rather obvious concept for you to acknowledge - Free of charge.

Serious business indeed. Smile

...And they all crave one thing - ISK. ¤

[WTS] ME10 / TE20 BPOs from Battleships/Cruisers to Fighters, Carriers, Triage/Siege, XL modules & Cap Components
Phantomesk
Contra Ratio
GameTheory
#11 - 2015-05-01 20:37:40 UTC
I do understand what you mean, but I'm really trying to get this loan and with how hard it is to get an unsecured loan, I'm trying to give myself the best possible chance to receive this loan. I'm not worried about making payments, because I have the ability to make payments weekly or even sooner, they may not be large payments but I have the ability to do so. The reason I'm asking for the loan is because I don't have the money for the purchase right now, but I will not have a hard time making the money over the next few months.
GankYou
9B30FF Labs
#12 - 2015-05-01 20:43:40 UTC  |  Edited by: GankYou
Phantomesk wrote:
I do understand what you mean, but I'm really trying to get this loan and with how hard it is to get an unsecured loan, I'm trying to give myself the best possible chance to receive this loan. I'm not worried about making payments, because I have the ability to make payments weekly or even sooner, they may not be large payments but I have the ability to do so. The reason I'm asking for the loan is because I don't have the money for the purchase right now, but I will not have a hard time making the money over the next few months.


Again, again, again.


There are no effective ways to make you repay the principal amount due in the universe of Eve, hence I recommended lowering the requested loan amount minus your available collateral to essentially equal a nice, round figure that you are asking the good people of MD to trust you with. Sad

Thirty bil with 5 covered by collateral is the same as a naked 25 bil. Get it. Sure, if you factor in your offer, your collateralisation just went up by a whopping 4%. From sixteen point six, six, six percent. Smile

As real as Eve may be, certain elaborate persuasion techniques do not work here with respect to practical debt collection in absence of a fully collateralised offer, regardless of however desperate the creditor becomes as a result of this. Smile

...And they all crave one thing - ISK. ¤

[WTS] ME10 / TE20 BPOs from Battleships/Cruisers to Fighters, Carriers, Triage/Siege, XL modules & Cap Components
Phantomesk
Contra Ratio
GameTheory
#13 - 2015-05-01 20:49:02 UTC
GankYou wrote:
Phantomesk wrote:
I do understand what you mean, but I'm really trying to get this loan and with how hard it is to get an unsecured loan, I'm trying to give myself the best possible chance to receive this loan. I'm not worried about making payments, because I have the ability to make payments weekly or even sooner, they may not be large payments but I have the ability to do so. The reason I'm asking for the loan is because I don't have the money for the purchase right now, but I will not have a hard time making the money over the next few months.


Again, again, again.

There are no effective ways to make you repay the principal amount due in the universe of Eve, hence I recommended lowering the requested loan amount minus your available collateral to essentially equal a nice, round figure that you are asking the good people of MD to trust you with. Sad

Thirty bil with 5 covered by collateral is the same as a naked 25 bil. Get it. Sure, if you factor in your offer, your collateralisation just went up by a whopping 4%. From sixteen point six, six, six percent. Smile

As real as Eve may be, certain elaborate persuasion techniques do not work here with respect to practical debt collection in absence of a fully collateralised offer, regardless of however desperate the creditor becomes as a result of that. Smile


well, unfortuantely a loan that size won't allow me to buy the character which therefore makes the loan itself invalid and will not help me accomplish anything.
GankYou
9B30FF Labs
#14 - 2015-05-01 20:50:33 UTC  |  Edited by: GankYou
That is indeed unfortunate. Sad

Characters come and go. Smile

The suns shineth in every system in our most beautiful world. Smile

...And they all crave one thing - ISK. ¤

[WTS] ME10 / TE20 BPOs from Battleships/Cruisers to Fighters, Carriers, Triage/Siege, XL modules & Cap Components
Phantomesk
Contra Ratio
GameTheory
#15 - 2015-05-01 21:01:23 UTC
I do thank you for trying to help though.
GankYou
9B30FF Labs
#16 - 2015-05-01 21:04:26 UTC
You're welcome, I love threads like this - brings everyone closer together. Smile

...And they all crave one thing - ISK. ¤

[WTS] ME10 / TE20 BPOs from Battleships/Cruisers to Fighters, Carriers, Triage/Siege, XL modules & Cap Components
Phantomesk
Contra Ratio
GameTheory
#17 - 2015-05-01 21:05:46 UTC
Now if only someone will give me a chance :P.
GankYou
9B30FF Labs
#18 - 2015-05-01 21:07:29 UTC
That would be generous - you can always ask flakeys in private. Smile

Good, heart-warming thread, I hope we reach page two. Smile

...And they all crave one thing - ISK. ¤

[WTS] ME10 / TE20 BPOs from Battleships/Cruisers to Fighters, Carriers, Triage/Siege, XL modules & Cap Components
Phantomesk
Contra Ratio
GameTheory
#19 - 2015-05-01 21:09:07 UTC
Thanks for the contact link. Page two would be fun :P
Myriad Blaze
Common Sense Ltd
Nulli Secunda
#20 - 2015-05-02 07:46:12 UTC
I can offer you an agreement of mutual benefit, where A) you get the character you want to buy, B) your cost is much lower than what you offer here (atm you're offering to pay 5b interest every two weeks), C) there's zero risk for me that you could scam me and D) that leaves me with some good profit for providing 30b ISK for six months (give or take).

So what's the catch? In case you missed it: There would be no way you you scam me (I'm not implying that you inteded to scam anyone), the character you intend to purchase needs to be worth what you say and you would need to put a little trust in me (check my history if you're insecure about trusting me and remember that it was you who came here asking for help).

Please reply here and send me an ingame mail if you're interested.
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