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Re: ROBLOX-Operated User Debt Allowance

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ANTH0NY4686 is not online. ANTH0NY4686
Joined: 21 Aug 2011
Total Posts: 7117
17 Mar 2013 12:49 PM
Players should be able to get loans in the form of ROBUX and/or Tickets from ROBLOX.

There could be a banking system that handles this.
Rules of the system:

1) You are only allowed 3 loans per month
2) You may only take out 1 loan per day
3) The value of the loan may be no greater than 5% of your current R$ or Tix
- whichever you are taking a loan out for
4) If you do not spend the money that you were loaned by the end of the month you borrowed it in, the money is simply returned to the ROBOX Banking System.
5) If you spend the money that you borrow, you must pay the loan back
6) To ensure that the loan is paid back, you are not able to buy anything else until the loan has been repaid
7) In addition, if you do not pay the loan back within a month of taking it out, you receive a Warning or Administrative Action

This would help reduce the number of User-Operated loan transactions.
Consequently, it would also help reduce scamming.
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ZangooseSlash is not online. ZangooseSlash
Joined: 05 Feb 2011
Total Posts: 25902
17 Mar 2013 12:52 PM
No support.
Rule 3 is a bad rule. Only 5%? Makes the feature nearly useless.
Rule 7 is also a bad rule, loans should not be tied in with bans.
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EpicTinyroblox099 is not online. EpicTinyroblox099
Joined: 07 Jul 2010
Total Posts: 6170
17 Mar 2013 12:57 PM
Eh, no support.
ZangooseSlash makes an indeed, a very good point. You can't deny it.
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ANTH0NY4686 is not online. ANTH0NY4686
Joined: 21 Aug 2011
Total Posts: 7117
17 Mar 2013 01:00 PM
Too much and it would be exploited.
Supposed you have 25,000 R$

Then you could get up to 1,250 R$ in a loan.

If you still believe the loan amount is too small, then we can always raise it.
This is what the Suggestions and Ideas Forum is for - suggestions.
Thanks for yours.

Rule number 7 is to help ensure that the loans are paid back.
Again, the system would be exploited if there was no reason to pay the loan back.
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ANTH0NY4686 is not online. ANTH0NY4686
Joined: 21 Aug 2011
Total Posts: 7117
17 Mar 2013 01:04 PM
bump
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godzilla989 is not online. godzilla989
Joined: 07 Jan 2010
Total Posts: 2076
17 Mar 2013 01:05 PM
No support
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PositivelyEpic is not online. PositivelyEpic
Joined: 17 May 2011
Total Posts: 4503
17 Mar 2013 01:06 PM
that wouldnt be good

lets say u get a loan

and then u go on vaction for month+

then your banned
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joshmisawesome is not online. joshmisawesome
Joined: 05 Feb 2011
Total Posts: 13279
17 Mar 2013 01:06 PM
@zang

If people don't pay back loans, they should get a punishment... It's like having people steal your money and have no consequence

~~>jøટђʍΐટάώέટøʍέ<~~
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ANTH0NY4686 is not online. ANTH0NY4686
Joined: 21 Aug 2011
Total Posts: 7117
17 Mar 2013 01:06 PM
Why?

This is a work in progress.
Offer suggestions to help improve it
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ANTH0NY4686 is not online. ANTH0NY4686
Joined: 21 Aug 2011
Total Posts: 7117
17 Mar 2013 01:09 PM
@Positively

Then you should know you're going on vacation and not take a loan out that you can't repay before you go on your trip.

Also, it's not an automatic ban.
It could also issue you a Warning.

*Or send you a reminder via PM alerting you that you need to pay back your loan soon.
Again, nothing on this thread is finalized. It's a working idea.
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DailyValue is not online. DailyValue
Joined: 16 Apr 2011
Total Posts: 10159
17 Mar 2013 01:15 PM
Support my bby<3
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3kun is not online. 3kun
Joined: 07 May 2012
Total Posts: 4169
17 Mar 2013 01:17 PM
I support. It sounds pretty cool. But I think after 1 month if you don't pay the loan you should get banned 4 days, then the next month if it still isn't payed 8 days, and the next month 16 days and so on.
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ANTH0NY4686 is not online. ANTH0NY4686
Joined: 21 Aug 2011
Total Posts: 7117
17 Mar 2013 01:19 PM
Thanks for support and ideas are welcome
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TheDarkInvestor is not online. TheDarkInvestor
Joined: 30 Oct 2012
Total Posts: 6040
17 Mar 2013 01:21 PM
Support

Il put all my effort in winning an argument over you, but I wont try if I can't win.
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Silvu is not online. Silvu
Joined: 05 Mar 2011
Total Posts: 19434
17 Mar 2013 01:23 PM
Here's what would happen....

User A gets a loan from User B. The loan is 2000 R$ so that User A can buy a new gear.

User A gets the gear, but then has no idea how to pay back User B. So is he going to be punished for this? That would be completely unfair, as he didn't _mean_ to scam User B, he just can't pay them back. So does the debt pile up and grow larger? This would completely destroy User A's experience on Roblox, and then User B just ends up losing money. It's a lose lose lose situation. A loss for User A, a loss for User B, and a loss for Roblox.
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Silvu is not online. Silvu
Joined: 05 Mar 2011
Total Posts: 19434
17 Mar 2013 01:25 PM
And if the loan is from Roblox as I think your post says (it's not very clear to me), it is still a lose lose situation for User A & Roblox.
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BREIFMAN11 is not online. BREIFMAN11
Joined: 15 Aug 2011
Total Posts: 3178
17 Mar 2013 01:26 PM
[ Content Deleted ]
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SSBBMaker is not online. SSBBMaker
Joined: 31 Aug 2010
Total Posts: 6636
17 Mar 2013 01:28 PM
No, because you could loan an ass load of money, buy hats, then before getting banned/etc transfer

So no
makes scamming a hell of a lot easier
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gamer74197 is not online. gamer74197
Joined: 28 Jun 2009
Total Posts: 4842
17 Mar 2013 01:29 PM
support
lol i want roblox to turn into a loan shark xD
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ANTH0NY4686 is not online. ANTH0NY4686
Joined: 21 Aug 2011
Total Posts: 7117
17 Mar 2013 01:29 PM
That could be a way to help pay back your loan.
Your daily login automatically goes to repaying your loan

Plus, to avoid alt buying of main account T-shirts, maybe this could be a BC Only feature? I'm not a huge fan of BC Only options, but maybe this would help.
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ANTH0NY4686 is not online. ANTH0NY4686
Joined: 21 Aug 2011
Total Posts: 7117
17 Mar 2013 01:30 PM
@SSBB

There's a 5% maximum.
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SSBBMaker is not online. SSBBMaker
Joined: 31 Aug 2010
Total Posts: 6636
17 Mar 2013 01:31 PM
lol..
That doesnt help at all

I think getting a free 50k or 30k
or even 20k

is a heck of a deal for buying another BC for 5.95
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SSBBMaker is not online. SSBBMaker
Joined: 31 Aug 2010
Total Posts: 6636
17 Mar 2013 01:31 PM
@Anthony,

true, but no one would want that.
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ANTH0NY4686 is not online. ANTH0NY4686
Joined: 21 Aug 2011
Total Posts: 7117
17 Mar 2013 01:32 PM
@Silvu

You're misunderstanding the idea.
You do not receive loans from other users.

You receive them directly from ROBLOX.
A ROBLOX Banking System would provide the funds.

This idea would ideally cut down on what you just said.
It helps to avoid users asking users for loans.

It's intended to help those who need just a little bit more money quickly to buy the item that they want without having to borrow from other users.
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ANTH0NY4686 is not online. ANTH0NY4686
Joined: 21 Aug 2011
Total Posts: 7117
17 Mar 2013 01:34 PM
@SSBB

If you're getting 50k from 5% of your ROBUX or Tickets, you must have a ton of money.
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