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Phantomesk
Ministry of War Amarr Empire
0
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Posted - 2015.05.01 04:26:22 -
[1] - Quote
So this is most definitely a long shot but I figured I would put up the loan request anyway.
I'm looking to buy a character and I need 30b to finish the buy.
I can give a wallet and transaction API key to anyone looking to supply the loan as I do have a steady source of income (I just don't have the full amount of isk for the sale I wish to purchase).
Please feel free to message me in game about this as well.
I have very little to give as collateral (somewhere around 3 to 5b worth of Items that I can use).
I plan to pay this loan back over the course of 6 months (probably sooner) at a payment of about 5-15b a month. With a 20% interest rate on the remaining amount at the end of every month.
Here's to hoping. |
Elizabeth Norn
Nornir Research
563
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Posted - 2015.05.01 11:51:34 -
[2] - Quote
Was there post in Crime & Punishment again or something?
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Lan Wang
Stillwater Corporation That Escalated Quickly.
477
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Posted - 2015.05.01 12:34:19 -
[3] - Quote
15b a month hmmm in 2 months you have 30b
EVEALON Creative - Logo Design & Branding | Digital Design
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Phantomesk
TheLostSoul
1
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Posted - 2015.05.01 12:49:09 -
[4] - Quote
Lan Wang wrote:15b a month hmmm in 2 months you have 30b
yeah, saddly the character I'm looking to buy, and the person agreed to hold for 30 days, wont be around in 2 months. That's why I'm asking. |
flakeys
Arkham Innovations
2883
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Posted - 2015.05.01 17:22:15 -
[5] - Quote
You got more chance finding a character for the same or a lower price then getting that isk on MD.
Uncollateralised loans are dead here , appart from the handfull that is on life support .
We are all born ignorant, but one must work hard to remain stupid.
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GankYou
Redshield Holding Company
214
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Posted - 2015.05.01 17:51:07 -
[6] - Quote
Try starting a thread for a request of a 25-27bn completely uncollateralised loan instead.
Hope that helps.
...And They All Crave One Thing - ISK.
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Phantomesk
TheLostSoul
1
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Posted - 2015.05.01 19:44:14 -
[7] - Quote
GankYou wrote:Try starting a thread for a request of a 25-27bn completely uncollateralised loan instead.
Hope that helps.
Thanks for the advice. I have since reduced the requested amount. |
GankYou
Redshield Holding Company
217
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Posted - 2015.05.01 20:15:05 -
[8] - Quote
Phantomesk wrote:GankYou wrote:Try starting a thread for a request of a 25-27bn completely uncollateralised loan instead.
Hope that helps. Thanks for the advice. I have since reduced the requested amount.
I recommend lowering it to 20 again, and trying once more.
Gÿá Gÿá Gÿá
Something tells me, that potential success lies along intersection of the collateral level and the requested sum.
You see, for such undercollateralised high risk loans, an interest rate of 50% is not out of the ordinary - payable on a weekly, if not a daily basis. However, interest alone won't do, that is, of course, where principal collection is in principle impossible to do and achieve in both theory, and in practice.
In a proper and Just universe, there are certain effective methods of persuasion, when it comes to pursuing debt collection, but alas in our dear Eve I know of no such ways.
Oh, how I wish for our Dearest Eve to be True in this respec of generating emergent player contentGäó. How. I. WIsh. It. So.
...And They All Crave One Thing - ISK.
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Phantomesk
TheLostSoul
1
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Posted - 2015.05.01 20:20:28 -
[9] - Quote
GankYou wrote:Phantomesk wrote:GankYou wrote:Try starting a thread for a request of a 25-27bn completely uncollateralised loan instead.
Hope that helps. Thanks for the advice. I have since reduced the requested amount. I recommend lowering it to 20 again, and trying once more. * * * Something tells me, that potential success lies along intersection of the collateral level and the requested sum. You see, for such undercollateralised high risk loans, an interest rate of 50% is not out of the ordinary - payable on a weekly, if not a daily basis. However, interest alone won't do, that is, of course, where principal collection is in principle impossible to do and achieve in both theory, and in practice. In a proper and Just universe, there are certain effective methods of persuasion, when it comes to pursuing debt collection, but alas in our dear Eve I know of no such ways.
Alright, I will lower it to 20b with a 40-50% interest rate (whichever the loan giver wants) paid on a weekly or bi-weekly basis (again, whichever the loan giver prefers) |
GankYou
Redshield Holding Company
218
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Posted - 2015.05.01 20:32:00 -
[10] - Quote
Phantomesk wrote:GankYou wrote:Phantomesk wrote:GankYou wrote:Try starting a thread for a request of a 25-27bn completely uncollateralised loan instead.
Hope that helps. Thanks for the advice. I have since reduced the requested amount. I recommend lowering it to 20 again, and trying once more. * * * Something tells me, that potential success lies along intersection of the collateral level and the requested sum. You see, for such undercollateralised high risk loans, an interest rate of 50% is not out of the ordinary - payable on a weekly, if not a daily basis. However, interest alone won't do, that is, of course, where principal collection is in principle impossible to do and achieve in both theory, and in practice. In a proper and Just universe, there are certain effective methods of persuasion, when it comes to pursuing debt collection, but alas in our dear Eve I know of no such ways. Alright, I will lower it to 20b with a 40-50% interest rate (whichever the loan giver wants) paid on a weekly or bi-weekly basis (again, whichever the loan giver prefers)
No, no, no. Please re-read the post with proper syntax and understanding.
I am afraid that any successful loan for the conditions that you've specified would put both parties at possible risk of potential future cincumvention of the by-laws as ordained in the world beyond the Eve Gate/Wormhole, should the debtor fail to repay the principal.
This is very serious, grievous business going on here.
I am just an Information Broker, and am providing this rather obvious concept for you to acknowledge - Free of charge.
Serious business indeed.
...And They All Crave One Thing - ISK.
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Phantomesk
TheLostSoul
1
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Posted - 2015.05.01 20:37:40 -
[11] - Quote
I do understand what you mean, but I'm really trying to get this loan and with how hard it is to get an unsecured loan, I'm trying to give myself the best possible chance to receive this loan. I'm not worried about making payments, because I have the ability to make payments weekly or even sooner, they may not be large payments but I have the ability to do so. The reason I'm asking for the loan is because I don't have the money for the purchase right now, but I will not have a hard time making the money over the next few months. |
GankYou
Redshield Holding Company
219
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Posted - 2015.05.01 20:43:40 -
[12] - Quote
Phantomesk wrote:I do understand what you mean, but I'm really trying to get this loan and with how hard it is to get an unsecured loan, I'm trying to give myself the best possible chance to receive this loan. I'm not worried about making payments, because I have the ability to make payments weekly or even sooner, they may not be large payments but I have the ability to do so. The reason I'm asking for the loan is because I don't have the money for the purchase right now, but I will not have a hard time making the money over the next few months.
Again, again, again.
There are no effective ways to make you repay the principal amount due in the universe of Eve, hence I recommended lowering the requested loan amount minus your available collateral to essentially equal a nice, round figure that you are asking the good people of MD to trust you with.
Thirty bil with 5 covered by collateral is the same as a naked 25 bil. Get it.
As real as may be, certain elaborate persuasion techniques do not work here with respect to practical debt collection in absence of a fully collateralised offer, regardless of however desperate the creditor becomes as a result of that.
...And They All Crave One Thing - ISK.
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Phantomesk
TheLostSoul
3
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Posted - 2015.05.01 20:49:02 -
[13] - Quote
GankYou wrote:Phantomesk wrote:I do understand what you mean, but I'm really trying to get this loan and with how hard it is to get an unsecured loan, I'm trying to give myself the best possible chance to receive this loan. I'm not worried about making payments, because I have the ability to make payments weekly or even sooner, they may not be large payments but I have the ability to do so. The reason I'm asking for the loan is because I don't have the money for the purchase right now, but I will not have a hard time making the money over the next few months. Again, again, again. There are no effective ways to make you repay the principal amount due in the universe of Eve, hence I recommended lowering the requested loan amount minus your available collateral to essentially equal a nice, round figure that you are asking the good people of MD to trust you with. Thirty bil with 5 covered by collateral is the same as a naked 25 bil. Get it. Sure, if you factor in your offer, your collateralisation just went up by a whopping 4%. From sixteen point six, six, six percent. As real as Eve may be, certain elaborate persuasion techniques do not work here with respect to practical debt collection in absence of a fully collateralised offer, regardless of however desperate the creditor becomes as a result of that.
well, unfortuantely a loan that size won't allow me to buy the character which therefore makes the loan itself invalid and will not help me accomplish anything. |
GankYou
Redshield Holding Company
221
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Posted - 2015.05.01 20:50:33 -
[14] - Quote
That is indeed unfortunate.
Characters come and go. The sun shineth in every system here.
...And They All Crave One Thing - ISK.
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Phantomesk
TheLostSoul
3
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Posted - 2015.05.01 21:01:23 -
[15] - Quote
I do thank you for trying to help though. |
GankYou
Redshield Holding Company
221
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Posted - 2015.05.01 21:04:26 -
[16] - Quote
You're welcome, I love threads like this - brings everyone closer together.
...And They All Crave One Thing - ISK.
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Phantomesk
TheLostSoul
3
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Posted - 2015.05.01 21:05:46 -
[17] - Quote
Now if only someone will give me a chance :P. |
GankYou
Redshield Holding Company
225
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Posted - 2015.05.01 21:07:29 -
[18] - Quote
That would be generous - you can always ask flakeys in private.
Good, heart-warming thread, I hope we reach page two.
...And They All Crave One Thing - ISK.
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Phantomesk
TheLostSoul
4
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Posted - 2015.05.01 21:09:07 -
[19] - Quote
Thanks for the contact link. Page two would be fun :P |
Myriad Blaze
Common Sense Ltd Nulli Secunda
356
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Posted - 2015.05.02 07:46:12 -
[20] - Quote
I can offer you an agreement of mutual benefit, where A) you get the character you want to buy, B) your cost is much lower than what you offer here (atm you're offering to pay 5b interest every two weeks), C) there's zero risk for me that you could scam me and D) that leaves me with some good profit for providing 30b ISK for six months (give or take).
So what's the catch? In case you missed it: There would be no way you you scam me (I'm not implying that you inteded to scam anyone), the character you intend to purchase needs to be worth what you say and you would need to put a little trust in me (check my history if you're insecure about trusting me and remember that it was you who came here asking for help).
Please reply here and send me an ingame mail if you're interested.
J'Poll:
EVE doesn't hand out cookies to you.
EVE kicks you down, steals your cookie and then laughs at you for bringing a cookie in the first place.
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Phantomesk
TheLostSoul
4
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Posted - 2015.05.02 08:35:53 -
[21] - Quote
I am quite interested in hearing your offer. I'll send you an in game mail and we can talk about it. |
GankYou
Redshield Holding Company
225
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Posted - 2015.05.02 15:03:54 -
[22] - Quote
Myriad Blaze wrote: So what's the catch? In case you missed it: There would be no way you you scam me (I'm not implying that you inteded to scam anyone), the character you intend to purchase needs to be worth what you say and you would need to put a little trust in me (check my history if you're insecure about trusting me and remember that it was you who came here asking for help).
Probably involves a holding account for the duration of the loan, which would provide no access for the debtor until full repayment.
If it is another scenario - I remind the respectable parties that account sharing is against the EULA.
...And They All Crave One Thing - ISK.
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Phantomesk
TheLostSoul
4
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Posted - 2015.05.02 18:25:27 -
[23] - Quote
Since now I only need 15b, if the offer involves holding the character I must respectfully decline. I am however more hopeful to receive a 15b loan since it isn't as high was what I originally was asking for. |
GankYou
Redshield Holding Company
226
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Posted - 2015.05.02 18:33:22 -
[24] - Quote
A 33% collateralisation is still 33% collateralisation. vOv
...And They All Crave One Thing - ISK.
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Elizabeth Norn
Nornir Research
564
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Posted - 2015.05.02 20:17:52 -
[25] - Quote
Phantomesk wrote:Since now I only need 15b, if the offer involves holding the character I must respectfully decline. I am however more hopeful to receive a 15b loan since it isn't as high was what I originally was asking for.
You should've asked for 100b initially, then you'd be hopeful for 50b now and you wouldn't have to do incursions.
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Phantomesk
TheLostSoul
4
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Posted - 2015.05.02 21:05:33 -
[26] - Quote
Elizabeth Norn wrote:Phantomesk wrote:Since now I only need 15b, if the offer involves holding the character I must respectfully decline. I am however more hopeful to receive a 15b loan since it isn't as high was what I originally was asking for. You should've asked for 100b initially, then you'd be hopeful for 50b now and you wouldn't have to do incursions.
Except I didn't and don't need 100b or even 50b. I only need 15b now, which is down from the original 30, because I was able to sell my skins on CS:GO and with that, buy plex using Steam and an alt connected to the steam account. I see no reason to ask for more than is needed because that's just being greedy. |
GankYou
Redshield Holding Company
226
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Posted - 2015.05.02 22:13:37 -
[27] - Quote
Phantomesk wrote:Elizabeth Norn wrote:Phantomesk wrote:Since now I only need 15b, if the offer involves holding the character I must respectfully decline. I am however more hopeful to receive a 15b loan since it isn't as high was what I originally was asking for. You should've asked for 100b initially, then you'd be hopeful for 50b now and you wouldn't have to do incursions. Except I didn't and don't need 100b or even 50b. I only need 15b now, which is down from the original 30, because I was able to sell my skins on CS:GO and with that, buy plex using Steam and an alt connected to the steam account.
Amen brother - Everything is Interconnected, truly!
Quote:I see no reason to ask for more than is needed because that's just being greedy.
Where can I obtain the skillbook for Advanced Naivety?
...And They All Crave One Thing - ISK.
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Phantomesk
TheLostSoul
4
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Posted - 2015.05.02 22:45:46 -
[28] - Quote
GankYou wrote:Where can I obtain the skillbook for Advanced Naivety?
There's naivety, and then there's only asking for just enough :p |
GankYou
Redshield Holding Company
227
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Posted - 2015.05.03 04:35:22 -
[29] - Quote
Phantomesk wrote:GankYou wrote:Where can I obtain the skillbook for Advanced Naivety? There's naivety, and then there's only asking for just enough :p
That's the same thing.
How is your request for 15bn any different from a naked 10bn one? Keep reducing till you reach your available collateral level.
...And They All Crave One Thing - ISK.
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Myriad Blaze
Common Sense Ltd Nulli Secunda
356
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Posted - 2015.05.03 07:07:17 -
[30] - Quote
GankYou wrote:Probably involves a holding account for the duration of the loan, which would provide no access for the debtor until full repayment. This is correct. According to the OP the main problem seemed to be time:
Phantomesk wrote:yeah, saddly the character I'm looking to buy, and the person agreed to hold for 30 days, wont be around in 2 months. That's why I'm asking. I was suggesting to hold that character for as long as it takes to get the ISK together for the purchase (that's why I said the character needs to be worth what the OP said). For a fee of course.
But as the OP already posted, he's not interested. And since there was no negotiation about my fee and considering that I offered to do my part for less than what he offered to pay for the loan, I have to believe that his main issue was either not trusting me (not unlikely but funny considering he's asking to trust him for 30b 25b 20b15b) or not liking the "can't scam you" part of my offer.
J'Poll:
EVE doesn't hand out cookies to you.
EVE kicks you down, steals your cookie and then laughs at you for bringing a cookie in the first place.
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