I don't think that there is any lender in the lending board who is willing to lend to any newbie without a collateral
Newbies concoct all kinds of sob stories and invariably someone (usualy another unsuspecting newbie) will "lend" them funds only to have the borrower not return.
Oops! If this happens, it calls for a serious attention and maybe moderators step up to delete such posts as soon as possible before the post will have a prey.
SEE it from the other side, if newbies are totally restricted from the lending board, how about (usually another unsuspecting newbie) who is a lender with good intentions, he will be affected also.
Well, a serious newbie lender should be able to afford copper membership.
Along the way hardcore scammers just ask for loans and walk away with the lender's funds. We've seen it happen all to often - check out the scam accusation threads if you don't believe me.
I believe you, and I have seen so many times but I most times don't believe newbies (brand news) who accuse others or companies for scam. In the end, it is often discovered that they were the ones trying to cheat.
- So, to avoid spam, such newbies should be ignored outrightly or be warned and if they persist, they'll be tagged and everyone moves on
It has been done like this, those newbies got tagged and warned, but sometime some users playing fun or joking about that. There's no standard and rules for any users to reply, so it's better for the moderators to lock the thread instead.
I have seen this scenario alot of time where high rank members try to pull a fun on a particular thread and when the newbies reply steadily, it will gradually turn a troll threads.
I'd say when a newbie asking a loan without collateral, it's similar like begging in a different way. As we know begging isn't allowed in this forum and the moderators will immediately delete those topic.
If newbies asking for non collateral loan is called begging, could also an established member asking for non collateral loan be called begging? Maybe No!
Not begging per say but there are some tones used by some of this suspecting newbies which tries to play with emotion of the lenders. I quietly chuckle when I see such posts.