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Kate Darieux
New Dawn Corp
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Posted - 2006.12.17 18:56:00 -
[1]
Just finished some testing with the loan contracts (loaned 1m isk from another char for a period of 24 hours) and after the time expired the contract just updated to "overdue", and i didn't get the money out of my wallet. The other guy got an option "Fail", but after he clicked it he didn't get any money back.
So, are loans just another type of contract that have to be based on trust, much like freeform? It could have been so much more... *sigh*
And by the way, isn't the whole "loaning items" thing a bit retarded? You have to put a collateral for the value of the items to keep the guy from running off with it, but if he has to pay the collateral prior to taking the items, then why the hell won't he just buy them? WTF! 
 Originally by: JeanPierre
You need to examine Minmatar ships bro.
No kidding, I tried to Salvage one last night. Took me 20 cycles before the pilot convoed me and told me to stop it.
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Martosh Toma
Gallente
Fraction Investment
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Posted - 2006.12.17 19:18:00 -
[2]
My thoughts exactly
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Gone'Postal
Minmatar
LuthorCorp Combat Division
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Posted - 2006.12.17 19:51:00 -
[3]
A contract is a contract is a contract, or in the eyes of the guy that came up with this idea...
Sounds good, Useless in practice..... And the CCP staff say.. Signed add it in and we'll call it a feature!! Cuz while there docked trying to figger out just how drunk we were when we agreed to add this ingame.. they won't be posting on the forums about just how bad TQ is of late and hopefully won't notice that we can't program for **** and just like to shove more hardware at things in hope that it fixes issues were unable to but keep telling the players that we have!.
The man without a face... Still.
The Company without a clue...Still.
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Letouk Mernel
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Posted - 2006.12.17 20:04:00 -
[4]
Would have been nice if the loans behaved like RL loans, i.e. you borrow 100 million and put a battleship in for collateral, and then you can pay daily or weekly or monthly bills at 10 million or whatever till you repay the loan.
As for borrowing items (with collateral) instead of just buying them, is there ever the case that you cannot sell something for the same price that you bought it at? I guess let's say you want a battleship, and over the month that you'll use it, trit and pyerite prices will halve... If you borrow it with a contract, when the contract expires you'll get your money back. If you buy the battleship and then sell it a month from now... you may not be able to sell it for as much.
But I agree with you, a myriad of options that are pointless, and only one or two that are useful, doesn't make a system "complex" or "good" or "full of choices".
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Atius Tirawa
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Posted - 2006.12.17 20:20:00 -
[5]
well, its more an 'in between friends' sort of thing. . .but then again, if you trust your friend, then simply loan the thing, if you don't then sell it. In the end, your argument, or confustion about the mechanics of loaning is spot on. I always take a 'wait and see how they will make this useful' attitude towards stuff like this.
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Sswiftstrike
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Posted - 2006.12.17 20:24:00 -
[6]
They could have it to where they get an agression timer or something until they pay off the contract...
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Kumu Honua
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Posted - 2006.12.17 20:48:00 -
[7]
Send out Guide and Nunzio to break some legs...
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Lucio
Gallente
UK Corp
Lotka Volterra
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Posted - 2006.12.17 21:16:00 -
[8]
The point is that contract history is viewable, so if someone has even one fail, their honesty becomes suspect. If they have no contract history, they become suspect.
If they're suspect then you're a fool to loan them money :)
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Yes, I know I have a negative sec. status but I'm not a pirate damnit! |
Kate Darieux
New Dawn Corp
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Posted - 2006.12.17 21:28:00 -
[9]
Originally by: Lucio
The point is that contract history is viewable, so if someone has even one fail, their honesty becomes suspect. If they have no contract history, they become suspect.
If they're suspect then you're a fool to loan them money :)
Contract history is all fine and stuff, but that doesn't really make it foolproof. Even a guy that had loads of honest deals can suddenly walk out with that 2billion loan you just made. So even with a clean record it really isn't smart to loan out money to anyone you don't know in RL.
I understand that forcing loan contracts to complete would lead to a whole new range of exploits (like loaning money to an alt, getting the alt to empty his wallet and then force the end of contract, leaving the alt with negative wallet and effectively spawning isk out of nowhere), but there has to be a way to make things work, right?
Originally by: Sswiftstrike
They could have it to where they get an agression timer or something until they pay off the contract...
I love the idea! 
Originally by: JeanPierre
You need to examine Minmatar ships bro.
No kidding, I tried to Salvage one last night. Took me 20 cycles before the pilot convoed me and told me to stop it.
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G'Kar Nomad
Minmatar
Republic Military School
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Posted - 2006.12.17 22:12:00 -
[10]
Originally by: Kate Darieux
Just finished some testing with the loan contracts (loaned 1m isk from another char for a period of 24 hours) and after the time expired the contract just updated to "overdue", and i didn't get the money out of my wallet. The other guy got an option "Fail", but after he clicked it he didn't get any money back.
So, are loans just another type of contract that have to be based on trust, much like freeform? It could have been so much more... *sigh*
Whether the Devs meant for it to happen or not, loan contracts are yet another griefing tool for anti-social and/or dishonest players. Don't count on the Devs to change it for the better, because the Community Manager has made it clear that CCP loves griefing, and they want to see lots of players griefing players in EVE.
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Hoshi
DAB
RAZOR Alliance
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Posted - 2006.12.17 22:28:00 -
[11]
Lots of contract types like loan and freeform are designed to be used within a corp. These things where done before contracts but now it's easier to get some structure.
Look at it as an addition to the corp tool set not to escrow.
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A Guide to Scan Probing in Revelations |
Morhon
Amarr
Aegis Starship Enterprises
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Posted - 2006.12.17 22:56:00 -
[12]
lmao, I wondered how it meant you would ever get your isk back, and clearly it doesn't provide for that.
I guess the only way to do it so that you have some sort of chance of being a "loan shark" would be way to complicated; with repayment installments, some sort of fixed interest rate and somthing to discourage the person from not paying up, not a secured loan because that would be pointless, but maby the isk comes out of their wallet every day/week/month regardless of if the debtor wants to make the payment. If they run out of money and can't pay they get fined and still have to pay back.
Ofc this means that the person lending the isk should be able to chose if they want to acccept the loan applicant or there will be alot of noobs and alts making loan applications thus scamming.
Does my bum look big in this cape? |
Kerushi
Caldari
BIG
R i s e
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Posted - 2006.12.17 23:05:00 -
[13]
if player A has a CNR worth 1,000m and needs cash temporarly, he can get the money pritty quick for a small % without selling his CNR
say he needs it for 2 weeks:
collateral CNR (1,000m)
interrest 1% p/w (10m p/w)
when done, who ever gave the loan gets their 1b back +20m interrest, the CNR pilot gets his ship back and isk removed from his wallet
if he fails, he losses his CNR+interrest
just took the 1b for easy calculating but works with any price 
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