Loan system between players

[Christofo]

I think this will only work if it's through a company (faction - like a bank faction), otherwise you should just RP it as a contract that's been signed and just take a screenshot. 

[DLimit]

On 3/31/2021 at 1:36 PM, Angela said:

There would be a hassle if players take the money away from the bank or simply don't have any money to pay back. In real life banks take their fees automatically from your account, it shouldn't be different here. Banking roleplay and loan giving roleplay is currently non existent in the server.

Every player is not a banker. If you're loaning from a person? Sign a contract. If they don't pay? Handle it in court, much like the real world.

If my friend, John Smith, loans me $50,000, he cannot access my bank account and automatically deduct it from my account. Instead, he has to ensure that payments are made, with words, before resorting to filing a civil lawsuit to forcefully extract the wealth from the person.

[Angela]

7 minutes ago, DLimit said:

Every player is not a banker. If you're loaning from a person? Sign a contract. If they don't pay? Handle it in court, much like the real world.

If my friend, John Smith, loans me $50,000, he cannot access my bank account and automatically deduct it from my account. Instead, he has to ensure that payments are made, with words, before resorting to filing a civil lawsuit to forcefully extract the wealth from the person.

I never said that every person would have access to this. I added that you'd need a banking license, basically letting player ran banks to exist

[DLimit]

3 minutes ago, Angela said:

I never said that every person would have access to this. I added that you'd need a banking license, basically letting player ran banks to exist

The suggestion should vouch for player-regulated banking roles, then, to clear this up.

[i dont wanna od in LA]

Completely useless, no.

[effion]

On 3/31/2021 at 10:41 PM, .Pluto. said:

Complicated, micromanagement. Loan someone money, RP a contract, take a screenshot. If they don't pay? Sue them in civil court, simple as that.

 

[Yoak]

On 3/31/2021 at 6:11 PM, .Pluto. said:

Complicated, micromanagement. Loan someone money, RP a contract, take a screenshot. If they don't pay? Sue them in civil court, simple as that.

 

[JackThePsych]

Maybe an official agreement kind of thing or atleast similar or else players might RP writing a name on a mcdonald's receipt and scam. Then getaway with it saying it's an official loan contract cuz they RPed it as so.

[-MCV-]

No need for it to automatically withdraw money from the person loaning money. Considering you get your money back even if they get CKed (probably minus the interest), might as well roleplay it all the way. No need for script stuff. Maybe they're avoiding payment ICly on purpose.

Edited April 5, 2021 by -MCV-

[Entity]

1 hour ago, JackThePsych said:

Maybe an official agreement kind of thing or atleast similar or else players might RP writing a name on a mcdonald's receipt and scam. Then getaway with it saying it's an official loan contract cuz they RPed it as so.

You can already hire a lawyer to draft up an official legal-binding document that you can then use in court if the terms of the contract are not respected.

 

Realistically speaking, loans (and loan scams) are an extremely risky area. We shouldn't aim to artificially eliminate that risk just, it would be extremely unrealistic and unfair.