This is ludicrous if you ask me.

Why should VOD be the dictator of when someone gets to ask for a loan ?

Say if his father has an accident next day and exhausts his savings / insurance and asking for a loan on Jam is the ONLY choice he is left with, VOD can come in and label him as a scammer, like WTF ?

Its like appointing VOD the authority from where Save has to get 'Permission' before asking for a loan (here or anywhere).

Yes I ve been here for a while and I have seen how much scammers have tormented the people on this forum and on Jam. But what the hell ? Why are people gonna get a rating BEFORE a scam happens ?

This shit is so Minority Report...