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+--- Thread: Admin Notice: Policy Changed (/showthread.php?tid=57055)
Admin Notice: Policy Changed - Talesin - 03-21-2011
Duh quite alot to read.
' Wrote:i mainy gave loans to give newer players a good start here.
thats why i just had a interes of 5% per week... thats nothing.
Ye mainly that, though i used to take 3% a week at any loan.
' Wrote:Saying you have to be more careful loaning out just sounds silly... How am i suppose to know these guy is safe or not...
That. I had people showing links to multiple loans which they already took and which were repayed properly, and still some of those scammed.
You can never be sure that you don't get scammed.
' Wrote:Now suddenly I am being punished because I tried to be a decent guy. It's not the pixels, I could live without 10x the amount I loaned out.
Yarp, that as well.
I got around 3,5 billions and still it would be annoying suddenly to loose that ~1 billion i loaned out at the moment, if my loanees should decide to scam, now that the policy is changed.
' Wrote:Seriously, the previous anti-loan-scam-policy should not have been put in effect in the first place because it reduced risk to zero. And we all know - from Discovery's beloved commodity system - what happens when risk doesn't equal profit.
When people scammed money, only the initial loaned money was restored.
So alot of forum and ingame work for no profit, i'd call that a risk.
' Wrote:Just like the Admins don't care if a weapon dealer gets scammed, they shouldn't care if a loan lender gets scammed either.
So i wonder if they still care about ship sale scams.
Anyway, i hope that sudden change of policy doesn't affect older loans.
Regards,
Talesin
Admin Notice: Policy Changed - casero - 03-21-2011
Mwerte, if you want to be a nice guy and help people giving them money.
Keep doing it, but don't expect anyone protecting you if those guys don't pay you back.
Sounds familiar? Yes, 4.84 was like that, no one complained about a damn loan scam back then.
On my first 2 days on the server I got 10 million for free from another spanish speaker player, he gave it for free.
6 months later, I got a free dreagnought just to keep an eye on it until that guys returned... 1.5 years later, he came back, and I gave him the Dread. 1.5 years free dreadtime for me.
It's easy to be a nice guy giving money that you know they will re-pay because admins are kicking out people.
I bet my hat that better players come after they learned the hard way about trading, pirates, lawfuls, laws, etc, from small ships, to huge transports.
But loans are not bad at all, just be sure, that person Role Play the loan, make sure they give you references god damn it! It's the third time I said it... get references! So, new players won't get a loan right away? SO WHAT! Can't they wait a month until make some relationships? If they can't, then why the hell someone would care about them, if interacting with other players is everything here, make them work to GET a loan, not to RE-PAY it.
Shees...
But you have a point.... zoner theory says: Q_Q hard enough, and you will get things the way you want. Or at least you are gonna make everyone as suffered as you.
Admin Notice: Policy Changed - ryoken - 03-21-2011
Bla. I have loaned out 5billion or so over the years,and just said give back what they can,when they can.(maybe i am just nice)
I have also given away 3-4 bil over the years. Sometimes in NY i just start dumping 5-10 mil on starflee's. And call it "love from the junkers" or "support a ship grant" Makes friends,and help new players. Personally i never give more then 100mil out. Someone wants to start a trade ship NP. You want 800mil for a dread? to dam bad,earn it like everyone else.
Those who hand out money should never do so,if they cannot afford/handle loosing it.
I have lost money sure. Had people change names,or just stop playing.(who really knows) Shrug it off,and move on. No need to cry to admins some pixles were stolen from you.
Admin Notice: Policy Changed - Ceoran - 03-22-2011
How about giving loan protection only to official trading factions to make those more attractive to players (since it raises player interaction with those)? And yes, that's a partially biased suggestion.
Admin Notice: Policy Changed - Decerebrated.Individual - 03-22-2011
' Wrote:This notice serves to inform people that the LOAN SCAM policy as documented here http://discoverygc.com/forums/index.php?showtopic=62574 has been revoked.
The reason for this is that players are making loans to people without a role play history here and then expecting the admin team to guarantee the loan. In the worst cases, people have repeatedly loaned money to a person who scammed them previously.
We will, at our discretion, sanction players for bad behaviour using under rule 1.2. For those of you considering scamming people, we will catch you.
I cant believe you were willing to play money collector for people in the first place.
So... people gave loans with high interest rates to any noob who they didnt know, and you collected the money, leaving 0 risk or need for confidence?
That was... crazy.
I must have lent over 500 mil total to around 20 people, and I got cheated 0 times, because I judge the people I give dough to carefully, I didnt even know an admin would bother if I got cheated..
Who ever you were collecting the money for... they were abusing you.
Admin Notice: Policy Changed - Talesin - 03-23-2011
' Wrote:So... people gave loans with high interest rates to any noob who they didnt know, and you collected the money, leaving 0 risk or need for confidence?
Well it seems as if you are quite uninformed.
I for example do ask for 3% interest a week, which i wouldn't consider much.
Also "any noob" isn't entirely true, cause i do look after post count or / and references like earlier repayed loans and / or the roleplay used.
Also - i wouldn't call the risk of lending out money with 0 profit for several weeks and some forum / ingame work "0 risk".
Regards,
Talesin
Admin Notice: Policy Changed - Decerebrated.Individual - 03-23-2011
' Wrote:Well it seems as if you are quite uninformed.
I for example do ask for 3% interest a week, which i wouldn't consider much.
Also "any noob" isn't entirely true, cause i do look after post count or / and references like earlier repayed loans and / or the roleplay used.
Also - i wouldn't call the risk of lending out money with 0 profit for several weeks and some forum / ingame work "0 risk".
Regards,
Talesin
Well if you can relly on admins to get your money back, yeah it is 0 risk, and you can give your money to anyone even if you dont trust him.
You can even give your money with huge interest rates to people who you know are going to say "yes" and then try to cheat you and not pay back your huge interest rate. Admins will get it for you. You know, but the guy who you are duping and who thought he would be able to dupe you doesnt know.
Not saying you did, just saying that it would be possible if admins play money collector for people.
Admin Notice: Policy Changed - Talesin - 03-23-2011
Greetings.
' Wrote:Well if you can relly on admins to get your money back, yeah it is 0 risk, and you can give your money to anyone even if you dont trust him.
You can even give your money with huge interest rates to people who you know are going to say "yes" and then try to cheat you and not pay back your huge interest rate. Admins will get it for you. You know, but the guy who you are duping and who thought he would be able to dupe you doesnt know.
Not saying you did, just saying that it would be possible if admins play money collector for people.
That's actually not correct. The Admins didn't get any "huge interest rates", they only thing that was restored was the initial sum of money which you loaned, without any interest.
Not being able to have access to my money for several weeks without any interest is something i would still call a risk, or loss.
Regards,
Talesin
Admin Notice: Policy Changed - VoluptaBox - 03-23-2011
I was about to say something, but Casero said more and better than I was about to.
That's the solution, imo.
Admin Notice: Policy Changed - Anomander - 03-23-2011
' Wrote:If somebody can think of a game mechanic or/and role play way of enforcing loan collection, I'm happy to listen to your ideas.
An alternative way might be to sanction people for loan scams but not refund the money. This might provide a better risk/reward balance.
This is how it works in RL, IF somebody loan a cash from usurer/some person - he give or something value as a deposit, or "bill of exchange" - if He do not pay back in time, then usurer send a enforcer or bailiff to remind about payments and or take the money or some goods or just broke some bones.
And now back to FL, since it will be hard to create something like "bill of exchange" in game mechanics,
There is posibility to "send a enforcer" as bounty on loan holder (the bounty hunters will be enforcers and recive some % from loan payback) or by Schrödinger's Cat who will kill loan holder everyday until loan holder will payback.
Or option with 'deposit' - create some code, similar to movechar, witch is working like this:
- loan holder set "loan deposit" code of one of ships, this action block /movechar and /givecash options for this ship.
- creditor activates "loan deposit" code and set time cash refund
- when times up, creditor or deactivates "loan deposit" (if cash are bive back) or use /movechar code
until the end of the period time set in time cash refund, creditor cannot use /movechar for ship with is set as deposit
Delete the character who own some money = pernament ban becouse violation of 0.0
this is my proposal, hovewer I belive that option with "enforcers" is easier to make.