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Miles Uppercut
The Scope
Gallente Federation
#21 - 2013-10-15 19:29:40 UTC
Jax Zaden wrote:
Tavi Baldocchi wrote:
So really you guys are like a pawn shop?


Ultimately it's risk mitigation. In real life, a loan like this would be secured by collateral that could be collected and liquidated as a form of repayment. Since Eve has no mechanism to force someone to pay back the proceeds or surrender the collateral, the collateral must be in the possession of the person issuing the loan prior to funding to ensure a form of repayment. Once the loan is repaid in full, the collateral is released back to the player.

With all that said, someone who jumps to a 50% interest rate committment from 8.5% screams of either extreme desperation or a scam.

If a player needs 550M for a Plex that they could not earn in the previous month, how are they going to possibly earn 1.6B isk in a month's time (550M for the next month's plex + repayment of 1.5B isk - 450M in possible initial funding balance) given the somewhat limited skillset?

Hi, Im in desperation becuase i only have 8 days left on my trial so please help me out here just loan me 600mill and EVEmail me with your terms ill accsept all labor jobs ecsept low or null pvp. So please help me.

Fly safe
Eaphod
Science and Trade Institute
Caldari State
#22 - 2013-10-15 20:43:23 UTC
Miles Uppercut wrote:
Jax Zaden wrote:
Tavi Baldocchi wrote:
So really you guys are like a pawn shop?


Ultimately it's risk mitigation. In real life, a loan like this would be secured by collateral that could be collected and liquidated as a form of repayment. Since Eve has no mechanism to force someone to pay back the proceeds or surrender the collateral, the collateral must be in the possession of the person issuing the loan prior to funding to ensure a form of repayment. Once the loan is repaid in full, the collateral is released back to the player.

With all that said, someone who jumps to a 50% interest rate committment from 8.5% screams of either extreme desperation or a scam.

If a player needs 550M for a Plex that they could not earn in the previous month, how are they going to possibly earn 1.6B isk in a month's time (550M for the next month's plex + repayment of 1.5B isk - 450M in possible initial funding balance) given the somewhat limited skillset?

Hi, Im in desperation becuase i only have 8 days left on my trial so please help me out here just loan me 600mill and EVEmail me with your terms ill accsept all labor jobs ecsept low or null pvp. So please help me.

Fly safe


8 days left on your TRIAL? You are on a trial account and are wanting to get a 1 billion ISK loan with 50% interest over 20 days?

Can't tell if this is a fail scam or just a delusional request.
Miles Uppercut
The Scope
Gallente Federation
#23 - 2013-10-15 21:32:49 UTC
Hi, LITSEN im in some deep **** i can pay you back in labor or a full fitted mining bardge of your liking. mining barge or labor. every penny i make will go to pay you back in full. IN FULL! this isn't a friken scam this is a desperation call i need help and i will mine or pve your choice. Or i could be your persenal butler that gets everything you buy out of system for you or someone who refines your ore ore mines while your away. PLEASE i need this loan. if you want to send anytihng above 600 million ISK you name your intrest rate. EVEmail me your ideas or my labors. I need this loan so please help me out here. also if your gonna ask me to change my collateral NAME YOUR OWN. i will pay it i hate having to change my collaterl just to suit one person then they back out so i have to change it again. if you are woundering what im trained in. im a mining player and a small PvE pilot NOTHING MORE. if you want me to PvP you have to supplie me with the skills to get into a good fighting position. AGAIN i will labor in mining or PvE, if you want me to PVP you must supply me with the skills. also if you are a PVP corp that is tired of buying ships, set me up with soem blueprintes then i can build you your ****. FREE OF CHARGE.

Sorry if i have affended some of you but im pretty desprest here So please help me out.

Fly safe.
Claire Voyant
#24 - 2013-10-16 00:28:20 UTC
I read through this thread to find out why a 600M loan request with only 60M in offered collateral ever made it do a second page. I still don't know why. Must just be a slow day on MD.
Tavi Baldocchi
Smack Of All Trades
Absolute Glory
#25 - 2013-10-16 01:26:03 UTC
Bro I think you are a little delusional how can someone given you the same? And what the he'll do you mean change the collateral? Your going to buy new things to give for coveralls? If you can buy something to cover the collateral then you can buy a plex. I don't think you understand how this game works yet
Lucas Kell
Solitude Trading
S.N.O.T.
#26 - 2013-10-16 09:09:17 UTC
Miles Uppercut wrote:
Hi, LITSEN im in some deep **** i can pay you back in labor or a full fitted mining bardge of your liking. mining barge or labor. every penny i make will go to pay you back in full. IN FULL! this isn't a friken scam this is a desperation call i need help and i will mine or pve your choice. Or i could be your persenal butler that gets everything you buy out of system for you or someone who refines your ore ore mines while your away. PLEASE i need this loan. if you want to send anytihng above 600 million ISK you name your intrest rate. EVEmail me your ideas or my labors. I need this loan so please help me out here. also if your gonna ask me to change my collateral NAME YOUR OWN. i will pay it i hate having to change my collaterl just to suit one person then they back out so i have to change it again. if you are woundering what im trained in. im a mining player and a small PvE pilot NOTHING MORE. if you want me to PvP you have to supplie me with the skills to get into a good fighting position. AGAIN i will labor in mining or PvE, if you want me to PVP you must supply me with the skills. also if you are a PVP corp that is tired of buying ships, set me up with soem blueprintes then i can build you your ****. FREE OF CHARGE.

Sorry if i have affended some of you but im pretty desprest here So please help me out.

Fly safe.

OK, if you are serious I'll name collateral and rates.
As you are a new character with no reputation, collateral must be full.
I'll accept the following as collateral
[3x Hulk]

Or

[Any collection of standard* items located in continuous high sec valued at 600m+]


*Standard items are T1, T2, or meta items. Faction, officer or unique modules/ships are not accepted. Rigs fitted to ships are not counted towards total value.

I'll provide 600m isk at 2%/week non-compounded interest paid weekly. So if you keep this for 21 days, you pay back 12m every week, then the final interest payment + the 600m on the 3rd week, for a total of 636m.
So payments would be:
Week 1: 12m
Week 2: 12m
Week 3: 612m

The length of the loan will not be fixed. As long as you continue paying the interest, the loan can continue indefinitely (though if you were going to take longer than 50 weeks to repay, it would be in your best interest to default).

Please contract me the collateral with a "you will receive" value of 600m. Once I verify the value of the collateral, I'll accept and the loan will begin on that day with the first interest payment being due in 7 days from acceptance of the contract.

Interest will only be charged on full weeks. For example, if you return the loan 5 days into week 3, you will not be required to pay interest on the third week (so total repayment will be 624m). Days are counted starting from the downtime prior to accepting the loan.

Failure to pay interest with no prior contact with me 3 days after the interest payment is due will result in a default, where collateral will be sold off and the loan terms terminated.

Details of the loan status plus interest paid will be posted in this thread.

So there, that's a serious offer, and a pretty fair one (even if I do say so myself).

The Indecisive Noob - EVE fan blog.

Wholesale Trading - The new bulk trading mailing list.
Velicitia
XS Tech
#27 - 2013-10-16 11:01:34 UTC
Lucas Kell wrote:
(stuff)


confirming this is a good deal. Trouble is the dude is on a trial (according to him) and can't set up a contract, so you would likely need a trusted third party.

to the OP -> you're probably better off just going to CCP's store (or Shattered Crystal, or Battleclinic, or whoever else) and just purchasing a GTC --> 60 day time card you can split into 2 PLEX.

you'll get nearly all of that 600m you're looking for, and also have 30 days to play (or just sub up with a CC and sell both PLEX).

One of the bitter points of a good bittervet is the realisation that all those SP don't really do much, and that the newbie is having much more fun with what little he has. - Tippia
Elizabeth Norn
Nornir Research
Nornir Empire
#28 - 2013-10-16 12:06:33 UTC
I'm sure a trial who cannot afford a PLEX has three Hulks lying around Roll.

Free 3rd party services

Buddy link w/ bonus 250k SP, you keep the whole PLEX upon subscribing
Nanatoa
#29 - 2013-10-16 12:35:57 UTC  |  Edited by: Nanatoa
I'm very sorry Miles Uppercut, I wanted to send you 600M but I accidentally a bounty instead!
Oh dear, who placed those buttons so close to each other?


Edit: perhaps you can arrange for a friend of yours to pod you to claim the bounty, so you can get the money?

"Stay the course, we have done this many times before." - (CCP) Hilmar, June 2011
Lucas Kell
Solitude Trading
S.N.O.T.
#30 - 2013-10-16 12:40:53 UTC
Elizabeth Norn wrote:
I'm sure a trial who cannot afford a PLEX has three Hulks lying around Roll.

Probably not, but he same name the collateral, and you'd have to be mental to go for this loan with less than full collateral.
Besides, I don't believe for a moment that this is really a trial account :p
I mean for starters I don't think trial characters can post on the forums.
Secondly he has fitted retrievers, but his character would not be old enough to fly them, suggesting he has at least one alt more than 8 days old.

The Indecisive Noob - EVE fan blog.

Wholesale Trading - The new bulk trading mailing list.
Rhivre
TarNec
Invisible Exchequer
#31 - 2013-10-16 18:41:20 UTC  |  Edited by: Rhivre
Claire Voyant wrote:
I read through this thread to find out why a 600M loan request with only 60M in offered collateral ever made it do a second page. I still don't know why. Must just be a slow day on MD.



Entertainment value I think. We have many terrible threads, but once in a while a truly, Ghost Shark-(look it up)-esque thread comes along.


Lucas Kell wrote:
Secondly he has fitted retrievers, but his character would not be old enough to fly them, suggesting he has at least one alt more than 8 days old.


Trials cant train mining barges

Fluffy Bunny Pic!

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