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| Author |
Thread Statistics | Show CCP posts - 1 post(s) |
josh parker
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Posted - 2009.09.24 15:35:00 -
[901]
Hello Ebank. My main has a loan through your corp. I have made the decision, although not an easy one. That i will not be paying the loan back for at least the next year, maybe even the next two. Also i must ignore any interest i would be paying you over these next two years.
Basically, the company we were working on creating, has how can i say, fallen on hard times, and basically its not in our best interest to honor any former agreements with you as our banker. I know this may be unfortunate for ebamk, however i am sorry. I will get back with you in 6-12 months, and inform you if we are able to pay back the loan interest free. Once again i am sorry, but this is the options we give you, it is in the best interest of our company as a whole. - josh |
Amarr Citizen 155
Tleilex Developments
Mostly Harmless
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Posted - 2009.09.24 21:44:00 -
[902]
 Originally by: josh parker
Hello Ebank. My main has a loan through your corp. I have made the decision, although not an easy one. That i will not be paying the loan back for at least the next year, maybe even the next two. Also i must ignore any interest i would be paying you over these next two years.
Basically, the company we were working on creating, has how can i say, fallen on hard times, and basically its not in our best interest to honor any former agreements with you as our banker. I know this may be unfortunate for ebamk, however i am sorry. I will get back with you in 6-12 months, and inform you if we are able to pay back the loan interest free. Once again i am sorry, but this is the options we give you, it is in the best interest of our company as a whole. - josh
0/10. Unfortunately, you are late to the party and your joke isn't original. Maybe next time?
<Amarr's signature> |
Lexander Morinex
Caldari
LDD Investments
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Posted - 2009.09.24 21:52:00 -
[903]
Originally by: Amarr Citizen 155
Originally by: josh parker
Hello Ebank. My main has a loan through your corp. I have made the decision, although not an easy one. That i will not be paying the loan back for at least the next year, maybe even the next two. Also i must ignore any interest i would be paying you over these next two years.
Basically, the company we were working on creating, has how can i say, fallen on hard times, and basically its not in our best interest to honor any former agreements with you as our banker. I know this may be unfortunate for ebamk, however i am sorry. I will get back with you in 6-12 months, and inform you if we are able to pay back the loan interest free. Once again i am sorry, but this is the options we give you, it is in the best interest of our company as a whole. - josh
0/10. Unfortunately, you are late to the party and your joke isn't original. Maybe next time?
Gallows humor may not be original but it does express a very real issue.
It may not be original but it is basically what EBANK has done. Refusing to repay depositors or pay interest would normally be considered defaulting on your debt.
- Lexander Morinex
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Morton Subotnik
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Posted - 2009.09.24 22:29:00 -
[904]
Originally by: Amarr Citizen 155
Originally by: josh parker
Hello Ebank. My main has a loan through your corp. I have made the decision, although not an easy one. That i will not be paying the loan back for at least the next year, maybe even the next two. Also i must ignore any interest i would be paying you over these next two years.
Basically, the company we were working on creating, has how can i say, fallen on hard times, and basically its not in our best interest to honor any former agreements with you as our banker. I know this may be unfortunate for ebamk, however i am sorry. I will get back with you in 6-12 months, and inform you if we are able to pay back the loan interest free. Once again i am sorry, but this is the options we give you, it is in the best interest of our company as a whole. - josh
0/10. Unfortunately, you are late to the party and your joke isn't original. Maybe next time?
0? really 0?
Don't sweat it Amarr Citizen, I thought it was pretty funny. Of course, eve is full of spiteful and bitter people who will try to put anyone else down swiftly.
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Drab Cane
Carbenadium Industries
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Posted - 2009.09.25 01:04:00 -
[905]
Originally by: Morton Subotnik
Originally by: Amarr Citizen 155
0/10. Unfortunately, you are late to the party and your joke isn't original. Maybe next time?
0? really 0?
Don't sweat it Amarr Citizen, I thought it was pretty funny. Of course, eve is full of spiteful and bitter people who will try to put anyone else down swiftly.
Alas, gallows humor can be quite funny, but the guy being hung may not think so. 
-----------------------------------------------
- Who Dares, Wins
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JIta Bob
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Posted - 2009.09.25 06:03:00 -
[906]
Wow.
I just heard about this mess. I didn't even know there was a player run bank in EVE. The very concept makes my head hurt.
How stupid can you people be!!!? You don't give away money to people in EVE unless you plan on never seeing it again. That is Rule One! Do any of you morons have the slightest clue how this game is played?
Truly, the depths of your stupidity are both abyssal and crushing.
Incidently, I have a few shares of a station in Jita that I'd be willing to sell you . . . |
Dzil
Caldari
Sausage Banking
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Posted - 2009.09.25 06:14:00 -
[907]
Originally by: Amarr Citizen 155
Originally by: josh parker
Hello Ebank. My main has a loan through your corp. I have made the decision, although not an easy one. That i will not be paying the loan back for at least the next year, maybe even the next two. Also i must ignore any interest i would be paying you over these next two years.
Basically, the company we were working on creating, has how can i say, fallen on hard times, and basically its not in our best interest to honor any former agreements with you as our banker. I know this may be unfortunate for ebamk, however i am sorry. I will get back with you in 6-12 months, and inform you if we are able to pay back the loan interest free. Once again i am sorry, but this is the options we give you, it is in the best interest of our company as a whole. - josh
0/10. Unfortunately, you are late to the party and your joke isn't original. Maybe next time?
The x/10 dismissal meme. Way to beat unoriginality with a stale cliche :P
Dzil's Corp Sales - 200m |
Biggi Raeubertochter
Minmatar
Pator Tech School
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Posted - 2009.09.25 08:16:00 -
[908]
Originally by: Sophie Daigneau
Originally by: Ray McCormack
And how would we decide who lost out?
Easy, you liquidate all assets, then distribute the isk that's remaining to depositors as a percentage of what they are owed. If you wind up with 1T worth of isk and owe depositors 2T, then each person gets half of what they're owed. Its not ideal, but its probably the best course of action for the depositors at this time to preserve as much of their money as possible.
they could. but why should they? if i had all those huge amounts of iskies hanging around in my wallet, i wouldnt give it back either. Especially if i could secretly transfer it to my main account.
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Biggi Raeubertochter
Minmatar
Pator Tech School
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Posted - 2009.09.25 08:22:00 -
[909]
Originally by: Miss CutieTrader
basicly you give ppl no chooice, it looks like for me basicly like a kidnapping of ppls isk.
You could in my eyes made a much bether PR solution.
a example:
give ppl the chance to vote...between getting % of their investment back right away....said A) 60-70% of their isk back
or b) do as u did.
if they had ever intended to give anyone their money back they would have probably done it that way.
Just forget about your money, people. you will never ever see it again.
Now everybody move along, nothing to see here anymore.
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Amarr Citizen 155
Tleilex Developments
Mostly Harmless
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Posted - 2009.09.25 14:49:00 -
[910]
Thanks everyone for explaining what gallows humor is, color me enlightened. /sarcasm
If it weren't for the fact that I've seen 30+ different variations of that "humor" I might think it was funny. Actually I think I did chuckle at the first 5-10 versions of that joke or the first 3-5 fake IPO/New Bank threads.
Obviously some of you missed the humor in my reply while trying to explain to me the humor in his post.
<Amarr's signature> |
Renarri
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Posted - 2009.09.25 18:16:00 -
[911]
Could you post links to all of your collateral sales and what not. That wyvern contract is tempting.
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Ray McCormack
Kisoken Innovations
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Posted - 2009.09.25 18:27:00 -
[912]
The Wyvern component auction is currently the only sale going on. The next sales will be for the Titan blueprint copies and **** face's pathetically fitted Navy Raven.
Some people call me the space cowboy, yeah |
Solisk
Gallente
HyperFang Aquisitions And Logistics
New Eden Retail Federation
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Posted - 2009.09.25 21:16:00 -
[913]
Originally by: JIta Bob
Wow.
I just heard about this mess. I didn't even know there was a player run bank in EVE. The very concept makes my head hurt.
How stupid can you people be!!!? You don't give away money to people in EVE unless you plan on never seeing it again. That is Rule One! Do any of you morons have the slightest clue how this game is played?
Truly, the depths of your stupidity are both abyssal and crushing.
Incidently, I have a few shares of a station in Jita that I'd be willing to sell you . . .
You're wrong.
Rule 1. Don't fly what you can't afford to lose and don't invest what you can't afford to lose.
Are you just stupid or have you never been exposed to Eve's player-driven market?
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Tarinara
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Posted - 2009.09.26 14:22:00 -
[914]
Originally by: Ray McCormack
<snip> **** face's pathetically fitted Navy Raven.
This catches my eye - since y'all at E-Bank have decided to hang on to my main's 'CNR Fund' - interested in removing about 700mil in account debt for a pathetically fitted CNR?
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Orexis Kirhal
Amarr
24th Imperial Crusade
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Posted - 2009.09.26 19:00:00 -
[915]
Originally by: Tarinara
Originally by: Ray McCormack
<snip> **** face's pathetically fitted Navy Raven.
This catches my eye - since y'all at E-Bank have decided to hang on to my main's 'CNR Fund' - interested in removing about 700mil in account debt for a pathetically fitted CNR?
Right... cause your debt is more important to repay first over everyone else's.
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Tarinara
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Posted - 2009.09.27 06:43:00 -
[916]
Originally by: Orexis Kirhal
Right... cause your debt is more important to repay first over everyone else's.
It wasn't a statement about whether my debt is more important than anyone elses. Looks more like an opportunity for them to unload what is by their own definition, a crappy liability in exchange for wiping out a little over 700mil in liability.
But please do continue casting your trolling net about...
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Bluebeard
Minmatar
LoneStar Industries
Veritas Immortalis
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Posted - 2009.09.27 18:50:00 -
[917]
Originally by: Tarinara
Originally by: Orexis Kirhal
Right... cause your debt is more important to repay first over everyone else's.
It wasn't a statement about whether my debt is more important than anyone elses. Looks more like an opportunity for them to unload what is by their own definition, a crappy liability in exchange for wiping out a little over 700mil in liability.
But please do continue casting your trolling net about...
The problem is, that currently, your isk is worth about 40% of your Ebank balance.
I'll show how this is a problem:
a) You have a balance of 700mil and ask Ebank to liquidate your assets now (they won't, but assume they will). You get 280mil back to your wallet.
b) You ask Ebank to swap your 700mil balance for a Navy Raven. You now have an asset that you can immediately sell for 670mil on contract. You have now recovered about 96% of your 700mil deposit..
Now do you see why other depositers might be unhappy with this deal ?
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Tarinara
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Posted - 2009.09.27 20:24:00 -
[918]
Originally by: Bluebeard
The problem is, that currently, your isk is worth about 40% of your Ebank balance.<snip>
Actually my ISK right now is worth nothing. Because E-Bank has stolen it. And as for your option 'B' - a base CNR hull is only worth about 600mil yesterday. And one stuffed full of CCC rigs or some of the other combinations I've seen are still worth only 600mil. And with Ray's assesment of the fit, I doubt there are modules on it to fill in the other 100.
And as for E-Bank itself: I don't really expect to see 0.01 ISK out of 'em. While I've heard they don't get an 'I WIN' button out of this scam, they will remain Liars, Scammers and Thieves IMO until they pay up on my account. And they can rest assured they'll never see any more of my interwebz spaceshipz money again... 
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Bluebeard
Minmatar
LoneStar Industries
Veritas Immortalis
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Posted - 2009.09.27 21:30:00 -
[919]
Originally by: Tarinara
Originally by: Bluebeard
The problem is, that currently, your isk is worth about 40% of your Ebank balance.<snip>
Actually my ISK right now is worth nothing. Because E-Bank has stolen it. And as for your option 'B' - a base CNR hull is only worth about 600mil yesterday. And one stuffed full of CCC rigs or some of the other combinations I've seen are still worth only 600mil. And with Ray's assesment of the fit, I doubt there are modules on it to fill in the other 100.
You are now making your case look even worse, as by valueing *your* isk at 0, you are also valueing *my* isk at 0 (hint: I have deposits as well) and you are asking to become a preferential creditor, recovering about 90% of your deposits, while the rest of us get nothing.
Scream about Ebank all you want, but try to place yourself ahead of the other depositors and you will feel their wrath.
(Make a deal for all of us, on equal terms, or wait patiently in line)
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Leneerra
Minmatar
Sebiestor tribe
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Posted - 2009.09.27 21:54:00 -
[920]
I am surprised by the anger that is directed at fellow accountholders that just try to get their isk back (even ebank proclaims the isk they hold hostage belongs to the account holders).
People that are trying to get creative in getting their own isk back arent keeping your isk hostage.
I would be very pleased if an offer to liquidate at 40% was availeble (or 35 or even 30%).
With such an offer availeble I and every other accountholder would suddenly be able to choose and effectively they would be in control of their own isk again.
I understand many feel a need to pacify those people that hold your isk hostage in some vain hope to get at last something back from what you entrusted to ebank.
But try to keep in mind who is actually harmimng you. I nor anyone else that is complaining has taken a single isk from you.
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Dzil
Caldari
Sausage Banking
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Posted - 2009.09.27 22:09:00 -
[921]
Originally by: Leneerra
I am surprised by the anger that is directed at fellow accountholders that just try to get their isk back (even ebank proclaims the isk they hold hostage belongs to the account holders).
..
I understand many feel a need to pacify those people that hold your isk hostage in some vain hope to get at last something back from what you entrusted to ebank.
But try to keep in mind who is actually harmimng you. .
It's similar to cutting in line. If everyone is expecting the early payout to be around 40%, and you manage to get 90% on your balance, it's only reasonable to see that everyone else is getting a little bit less then. If you're in the party of waiting the year for a 100% return, ebank has that much less capital to start with to reach that goal: again, a losing proposition for you.
Granted, I don't think you owe other ebank account holders anything: you got robbed, and you're trying to make the best of that situation. It's a moral grey area. But I see where other's are coming from.
Dzil's Corp Sales - 200m |
Debonair Dan
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Posted - 2009.09.27 22:37:00 -
[922]
Goodness me, this mess seems to be getting worse. I truly am sorry for everyone who lost money in this. i came incredibly close to depositing money in evebank myself..and i would have too, were it not for the fact i had some incredibly cynical friends.
to have trust in someone is not a crime. good luck guys, i hope you get as much of your money back as is possible o/
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Far Wanderer
Gallente
Dominium Brotherhood
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Posted - 2009.09.28 05:36:00 -
[923]
Originally by: JIta Bob
Do any of you morons have the slightest clue how this game is played?
Silly Troll.
While neither myself nor any of my corpmates have ISK tied up in ebank, that hasn't stopped us from learning what we can about their mistakes (and their successes) and applying this information to our own internal corp banking system.
Try and fail. Try and succeed. Either way there's useful information to be gleaned from the great ebank experiment.
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Dethraedi
Gallente
Exploratory Technologies
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Posted - 2009.09.28 06:46:00 -
[924]
i lost over 5 bill to this
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Leneerra
Minmatar
Sebiestor tribe
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Posted - 2009.09.28 08:32:00 -
[925]
Dzil,
I see it differently. I do not begrudge anyone getting their isk out of ebank any way they manage. Even if it means my ebank isk become worth even less. You can be very sure I will take any such option if availeble to me (all within the spirit of eve).
As you describe it we should envy or be angry at the people that got 100% out just (weeks, days, hours) before the freeze was published.
I only hold ebank responsible for my losses, and may finetune this to the indeviduals that caused it and/or those that were originally responsible for preventing just this. should ebank ever publishes information that allows me to do so (wich I do not expect).
The ebank BoD have made quite clear that they, and they alone, run ebank. We only got the agreed percentage on our deposits, no extra's should the bank do well. Which is logical as we were not investors.
And now that well though of institution they called ebank has has finally published they managed to lose so much isk from the deposits made that they can only cover roughy 40% of our current account values.
We never signed on for that risk, we never got compensated for that risk. untill the very day they published the managed to lose 60% of the isk in their accounts they assured us verything was well.
Whatever was intended upon the creation of ebank, effectively it became an elaborate ponzi scheme with us left holding the bag.
Us being te current account holders and the current ebank BoD, except they may someday actually get compensated for their effort provided they make ebank healty again.
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Minerva Vulcan
Caldari
Groove Inc
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Posted - 2009.09.29 17:35:00 -
[926]
Interesting.
Seems I've missed a lot in my nearly a year away.
I was aware of what happened with Ric those months ago. Just got a email to restart my account for a day and thought about coming back to see what's changed since it's been so long. Was gonna grab some ISK from my Ebank account and saw about the freeze and problems. What awful timing I have.
Guess I have some reading to do, judging by the 30+ pages of this thread. I'm disappointed I have to say because in my time here previous I'd come to trust EBank with a portion of my funds, but I'm not exactly frothing at the mouth in anger over it all. It was always a risk, like with anything, that I wouldn't see that 3.5B again.
Will be interesting to see what comes of all this.
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Leon Dalmasca
Gallente
Dot.Inc
Phobos Alliance
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Posted - 2009.09.30 00:17:00 -
[927]
Goes to show u that the safest place to keep ur isk is under the seat of ur pops cocpit XD
DO NOT click! |
Le Skunk
Low Sec Liberators
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Posted - 2009.10.01 17:42:00 -
[928]
Edited by: Le Skunk on 01/10/2009 17:45:51
Originally by: Bluebeard
a) You have a balance of 700mil and ask Ebank to liquidate your assets now (they won't, but assume they will). You get 280mil back to your wallet.
Where do we vote for option A? On the website? I think most people would take 40%, a lesson learned, and a line drawn under the whole affair.
Given that 280 mill, the player could probably make his 700 mill back in a couple of weeks, rather then waiting 2 years for someone else to make it back for him (if they don't **** it up again)
SIGNED
DISGRUNTLED FROM KANSAS
(o)
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SetrakDark
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Posted - 2009.10.01 17:52:00 -
[929]
Originally by: Le Skunk
Where do we vote for option A? On the website? I think most people would take 40%, a lesson learned, and a line drawn under the whole affair.
Given that 280 mill, the player could probably make his 700 mill back in a couple of weeks, rather then waiting 2 years for someone else to make it back for him (if they don't **** it up again)
EBank is suggesting there will be some type of cash-out option in their next announcement, or at least that's what I've interpreted from various statements.
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cosmoray
Cosmoray Construction
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Posted - 2009.10.01 20:32:00 -
[930]
Originally by: SetrakDark
Originally by: Le Skunk
Where do we vote for option A? On the website? I think most people would take 40%, a lesson learned, and a line drawn under the whole affair.
Given that 280 mill, the player could probably make his 700 mill back in a couple of weeks, rather then waiting 2 years for someone else to make it back for him (if they don't **** it up again)
EBank is suggesting there will be some type of cash-out option in their next announcement, or at least that's what I've interpreted from various statements.
I think they are going to suggest a mechanism that the market buys out accounts.
A look at the balance sheet shows that they have about 780B in assets or around 39% of all accounts balances.
If someone will buy accounts they will not do so at asset value and leave it with someone else to earn money. All offers will probably be at a discount to asset value (under 39%), or you could just buy assets off the market at face value and not have any security issues.
IMO best case scenario is about 30% on account balance maximum, unless there is a major change in EBANK's balance sheet.
Either way expect market offers to be at least 20% under current asset value.
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