Quote from: Lauda on March 20, 2019, 09:23:29 AM

This thread wouldn't exist without those new negatives that you've gotten. Nothing is broken, sort-of.

Correct, the debacle is what prompted me to make this post. Does that mean all is fine? No..

Quote from: LFC_Bitcoin on March 20, 2019, 09:30:13 AM

If you consistently repay loans late then you have to accept that the neutral ratings are fair. Potential lenders might not be happy getting paid late & I doubt you tell them before the loan ‘I’ll probably repay late’. If you did it might determine wether they’re willing to lend to you or not so absolutely the neutral ratings are fair.

The negative ratings are determined by who has given them, I can see why some have left you red trust but I deemed neutral as enough for now.

Just stop repaying loans late & you won’t have to worry.

Where are you getting "consistently" from? I've repaid 2 late loans in full with additional interest. Late repayments HAPPEN believe it or not.

And see? More assumptions.. "I doubt you tell them": of course I fucking tell them, I'm the borrower I have some expectations and even more so if I don't see myself being able to repay on time.

Quote from: The Pharmacist on March 20, 2019, 01:59:00 PM

Quote from: marcotheminer on March 20, 2019, 08:37:24 AM

Just expressing my thoughts, trying to NOT come from a biased point of view (though currently, I am victim of these problems too).

Oh, come on. Your opinion and your creation of this thread is completely biased, and the only reason you're saying anything is because of the red trust you recently got.

The problem in this case isn't the trust system, though there are certainly problems with it. The problem here is that members finally called bullshit on your late loan repayment practices and lousy attitude toward both the lender and the community, which I've already addressed in at least one other thread that dealt with the incident. You can't expect to hold someone's money hostage with excuses and delays and not pay a penalty for that. The problem is you in this case, not the trust system.

That said, I may consider revision of my feedback at a later date, just as I do with anyone who has learned from their mistakes. I'm not sure you realize where you went wrong, however.

I repaid TWO loans late. Both in the VERY recent past. If you need a novel on which circumstances/events led to having to extend repayment AND give extra: sorry you won't be getting that for at least a couple more years.

Lousy attitude to lender? I like to think they would both disagree. As for lousy attitude towards community: there's a reason for my attitude to be perceived that way by the negative trust places Roll Eyes

.

Not pay a penalty? The penalty is already late interest.

I realize exactly where I went wrong: I asked for too many loans (frowned upon) and I asked for too much at once (frowned upon by non-trusting members, which is completely fine). Then, following the accusations/scammer tagging that followed: I didn't reply as nicely as I should have (in some people's minds, so I apologise to those I offended..). Should those things render my account into a scammer's? I don't think so.

Quote from: OgNasty on March 20, 2019, 05:04:17 PM

There's just a few bad eggs in the default trust system. It's functioning mostly as expected. In time I am sure we will see more improvements.

I agree that it does function "mostly as expected" but it still relies heavily on personal opinions (and often un-involved ones).

Quote from: Harlot on March 20, 2019, 05:19:19 PM

I wouldn't say its broken as we have the Reputation board ( and Scam accusation) to talk about the negative trust that has been given to you. I have been hanging out on those threads for a while now and to tell you the truth a lot of negative trust that has been given wrongly to members has been either removed or changed to neutral. Mostly misunderstandings as well as the problem being fixed is the most common way you get your negative trust be removed in your trust summary.

I think that the current situation IS a misunderstanding, made worse by me trying to explain myself (people see that as "weaselling" out and "making excuses" but no - I'm just stating facts, and exactly what happened between my lenders and I).

Here's another good example:

Quote from: marcotheminer on March 21, 2019, 09:39:54 AM

Quote from: photobook on February 05, 2019, 03:16:04 AM

Hello! I am new here, but I can provide multiple social media accounts for verification. I have a decent following so I'm not someone who can just disappear with your coins. Wink

Loan Amount: 0.2 BTC
Loan Purpose: Our furnace needs to be replaced and being an adult sucks. [/b]
Loan Repay Amount: 0.25
Loan Repay Date: 3/10/19
Type of Collateral: um I have 3 cats, a 6 month old baby and a massive collection of Star Trek memorabilia. (100% true) But also, whatever you need to feel confident I can probably do!
Escrow profile Link:
Bitcoin Address: 3KVqfqHMcUVrTxPkGyJNuQ9NFBVcnsXdUt

For everyone's information: I loaned this user and all was settled - fully repaid. LFC_Bitcoin: please remove your negative trust.

Photobook was tagged as a scammer for asking for this loan. I loaned her (we chatted outside of bitcointalk, agreed on a loan amount/repayment date/repayment amount and I let her provide all the verification she was ready to provide) and she repaid fully as agreed.

This was the trust placed (not an attack of any kind against the placer - some would argue it was semi-understandable at the time, though I would call it too hastily placed):

It's an example of prematurely/hastily placed negative trust.