Refunding the agreed upon loan + interest if someone scams the loaner

[Wasloos]

This probably isn't a very well known issue for people who've never done a loaning company or something of the like, but I've started to observe a repeating pattern going on there.

 

When people sign a contract for a loan, they usually take the loan, head off with that character (maybe even namechange or character kill) and never pay back the loan + interest. You go on to report, guy obviously doesn't answer anything in the report, refund request gets accepted. Here's the thing tho, the refund request is ONLY for the amount loaned and not for the interest, basically killing the loaning business since there can't come any profit from it. Players who scam get away with a warning and lose the loaned amount, however they do not lose the interest as well.

 

This basically shows a risk/reward mentality, where people can make a shit ton of profit from the loan, just so they don't have to pay back the interest.

 

This is incredibly toxic and unproductive, so I suggest that players should lose both the initial loan + the interest agreed upon.

 

My own set of evidence:

 

 

 

Edited June 22, 2022 by Wasloos
typo

[squeezy]

yes please

[DLimit]

Ban these people as they're only seeking to transfer assets. People want to ban ideas and concepts instead of the actual players, these days, and I believe admins should be more stricter with punishments on these type of players. Treat these acts as "asset transferring".

On that note? I also support this suggestion.

[mj2002]

Devil's advocate. Isn't this exploitable? You could charge high interest rates and depend on the administration team to pay out.

[SuperPia]

+1

[Wasloos]

3 minutes ago, mj2002 said:

Devil's advocate. Isn't this exploitable? You could charge high interest rates and depend on the administration team to pay out.

Interest rates are always shown on the loaning contract (atleast in my company), so if someone doesn't wanna pay the interest rate, they shouldn't have taken the loan and signed the contract. 

[mj2002]

22 minutes ago, Wasloos said:

Interest rates are always shown on the loaning contract (atleast in my company), so if someone doesn't wanna pay the interest rate, they shouldn't have taken the loan and signed the contract. 

 

Sure, but lets say you have your 'not a friend' take out a sizable loan with a high interest rate, which they won't be able to pay back, then disappear. Now you ask for a refund, and the administrator team will grant you the entire sum back plus interest? 

[Xaleya]

7 minutes ago, mj2002 said:

 

Sure, but lets say you have your 'not a friend' take out a sizable loan with a high interest rate, which they won't be able to pay back, then disappear. Now you ask for a refund, and the administrator team will grant you the entire sum back plus interest? 

 

We don't have sort of rules talking about "Script money being secondary, rp first, bla bla bla"

This won't apply into play to win mentality being within the same borders of reality of your typical "/me checks every single pocket" /b gimme your gun or report from your friendly pf grinder

[Wasloos]

26 minutes ago, mj2002 said:

 

Sure, but lets say you have your 'not a friend' take out a sizable loan with a high interest rate, which they won't be able to pay back, then disappear. Now you ask for a refund, and the administrator team will grant you the entire sum back plus interest? 

Afaik the loan amount gets taken from the borrowers account by admins and added back to the loaner, so there’d be no space to abuse that system. Same thing would apply, but that time loan + interest gets taken from the borrower and given to the loaner.

[DLimit]

57 minutes ago, mj2002 said:

 

Sure, but lets say you have your 'not a friend' take out a sizable loan with a high interest rate, which they won't be able to pay back, then disappear. Now you ask for a refund, and the administrator team will grant you the entire sum back plus interest? 

These people should get banned for asset transferring, regardless as to whether it's a friend or not. Clearly, people are abusing loans to accumulate capital (on the receiver's end) by name-changing to keep said assets. They should be banned.