I like Zilon's suggestion, but yeah, the mods are up to their elbows already, I don't think asking to pile on any more reports is the right way to handle it.  If the mods are expected to automatically delete any newbie's request for an unsecured loan, then it just shouldn't be allowed in the first place.

Which give me an idea: @thymose, is there a way to add a splash page for low-ranked accounts before they can make a post in certain boards?  Maybe just a little warning that low-ranked accounts asking for unsecured loans can be damaging to the account's health.  A link to the sticky board discussing collateral would also be helpful.  Maybe that would be enough to dissuade the legit newbies from doing something dumb, and any that get through have been sufficiently warned.



There have been a few over the years that I've been here and active in the lending board.  Most have tapered off their activity, but there is one recent newbie lender who's currently active.  To me it looks like he's harvesting other people's KYC docs, but the jury is still out on that one.