Example 1

https://bitcointalk.org/index.php?topic=5170230.0

Old newbie account, recently wakes up, changes email and heads almost straight on to ask for a loan.

Quote from: blink on July 30, 2019, 12:17:20 AM

Loan Amount: $8
Loan Purpose: To buy a domain for my dropshipping site.
Loan Repay Amount: $10
Loan Repay Date: 2 weeks after the loan date.
Type of Collateral: BIFI https://explorer.bitcoinfile.org/address/1Q39RkSApMe9wYk2kKDCvb7dVqzXoNofoW
Escrow profile Link: Any trusted member would do You can hold the bifi if you have a private key to your bitcoin address. No need to download a wallet.
Bitcoin Address:1MSwSEH1ecc3TLGRycbbvVGhWkHHSWMzqk

Does he provide collateral? Yes; but when a bit research is done...

Quote from: DireWolfM14 on July 30, 2019, 05:56:58 PM

I think you're going to have a hard time finding anyone willing to accept BIFI as collateral. Their are only two exchanges that list the coin, I've never heard of either, and the trade volume is pretty darn low as well.

Would I consider this high risk? Yes.

Some more "evidence"

Quote from: LoyceV on August 02, 2019, 11:08:46 AM

Add the fact that OP -snip- deleted his Chinese posts, posts generic spammy questions in threads, and has thousands of old Bitcoin private keys, it's pretty unlikely to be ever paid back.

So, based on that, and some other evidence provided by other users, I do now create a type 1 flag; as I believe that dealing with the user is high risk (yes, I'm pretty sure that you people here on Rep board already know that; but I want to leave nothing at random).

Link to the flag: https://bitcointalk.org/index.php?action=trust;flag=557

Example 2

Newbie asking for a loan with an invalid collateral.

Quote from: Dummyticketxo on August 01, 2019, 05:33:43 PM

Hello,

Loan Amount: 0.7 eth or equivalent in ETH
Reason for Taking out a Loan: I start some new project and I don't have way to pay my developer except from ETH
Amount to be repaid: 1 ETH ( i GET MY VISA THIS DATE AND ABLE TO BUY ETH)
Repayment Date: 10/08/2019
Type of Collateral: All files of my sites (Paid more than $1200 for developing this sophisticated site) - dummyticket.flights
eth address: 0x423D4DA7149b720D5C4Dd5E2DAFfe749271cd21A

He is told that his collateral is not valid due to various factors, and he replies telling how much it did cost to develop, yada yada....

Quote from: Dummyticketxo on August 01, 2019, 07:19:06 PM

Quote from: suchmoon on August 01, 2019, 05:53:20 PM

Quote from: Dummyticketxo on August 01, 2019, 05:33:43 PM

Type of Collateral: All files of my sites

That's not how collateral works. It needs to be something that you would forfeit if you default on the loan. Files can be easily copied so can't serve as a collateral.

It can be copied it's not just few files! there is an API and PDF tamplete this worth to develop in any US company at least $3000.

Quote from: harizen on August 01, 2019, 06:18:32 PM

Quote from: Dummyticketxo on August 01, 2019, 05:33:43 PM

Why not just wait for your chance to buy ETH so you won't pay interest?

It's just a few more days to go so I think your developer can patiently wait for that.

Unless.....

I can't delay immediate gratification my boy.

Quote from: suchmoon on August 01, 2019, 05:53:20 PM

Quote from: Dummyticketxo on August 01, 2019, 05:33:43 PM

Type of Collateral: All files of my sites

That's not how collateral works. It needs to be something that you would forfeit if you default on the loan. Files can be easily copied so can't serve as a collateral.

It can be in Flippa or any other site easily this not some jumk. You guys don't have clue in developing and how much systems like that cost do you

After that reply, user stops answering on the thread, a couple of other users say how likely he is to scam.... and suddenly and out of the blue, the OP gets edited

Quote from: Dummyticketxo on August 01, 2019, 05:33:43 PM

30

So back on topic; would I consider dealing with this user as high-risk? Definately

Link to the flag: https://bitcointalk.org/index.php?action=trust;flag=558