Spiral Knights - Lending! To Let People Borrow From You or Not!

Lending! To Let People Borrow From You or Not!

24 replies [Last post]

Sat, 07/05/2014 - 23:16

Lsdakfjlkfdajlkads

I have this pet peeve of mine which developed throughout playing MMOs. You probably already know what it is, but I'm going to say it anyways. People don't pay me back when I let them borrow my money (crowns in this case). I get irritated when people don't pay me back and now I hesitate when people ask to borrow from me now. This is mostly caused by a few bad experiences with borrowing here in spiral knights.

The first one is letting someone from my guild borrow from me. He borrowed 200 CE. This was during the times when 100 CE was around 9000 crowns and also spiral knights was still using their mist system. The guild member said he would pay me back right away. He did not of course. I notified him each week and waited one month, but he did not pay me back. He even left the guild. So I gave up on that CE.

Another experience is with someone whom I used to talk to a lot. He wanted to borrow 100,000 crowns to get some wings. Things changed when I lent him the crowns. He didn't seem concerned about paying me back and it seemed that he didn't want to play spiral knights anymore. After that point, I knew I was not going to get the crowns back so I decided to remove him from my friend's list.

The reason why I brought this up is because I wanted to know other people's opinions on this subject since an incident came up when some random on my friend's list needed Energy and he wanted to borrow it from me. He said he needed it for the sparks of life and that he is currently dead right now. He seemed desperate but he has requested to borrow from me before many times for orbs of alchemy, for some random auction, and wanted some freebie as well. I decided not to lend him anything, but it seemed sort of sad since he said he was in a shadow lair. (I'm a cruel person muahahahah)

Well my questions to you guys is that would you lend people anything and who would you lend it to?

Sat, 07/05/2014 - 23:18

Dibsville

Here's how I deal with this:

Don't lend money.
Ever.

Sat, 07/05/2014 - 23:24

Pandafishie

I'd say lending is fine if you have a WELL established trust with the person. (aka, have known them for a very, very long time) How does one trust this "trust", you have their Steam or whatever so you can har... I mean, talk to them about paying you back ALL the time if needed.. I MEANN... just to hang out and play other games with or something.. Is that what cool kids do these days ?
I'm not a cool kid so I wouldn't know :(

Sun, 07/06/2014 - 00:50

Batabii

Neither a borrower nor a lender be;
For loan oft loses both itself and friend,
And borrowing dulls the edge of husbandry.

Sun, 07/06/2014 - 02:18

Mtax-Forum

In Poland theres one proverb; Good habit - Don't borrow.

Sun, 07/06/2014 - 02:26

Zenje

If a good friend of mine is

If a good friend of mine is really needing something, they can borrow whatever they want.

Sometimes I tell them to keep what they owe me if I'm feeling nice.

Sun, 07/06/2014 - 02:31

Pugmon

Well there's your problem!

Don't you know everybody on the internet is a common criminal?
BECAUSE SOCIETY!

Sun, 07/06/2014 - 07:55

Skepticraven

↓

If I do end up lending something to someone, I take some form of collateral.
If I do not take collateral, I call it a gift.

Sun, 07/06/2014 - 09:08

Holy-Nightmare

SK does not have a lending

SK does not have a lending system, back when I played Runescape there was a system that allowed you to rent out weapons and armor for a fee that you set for a time that you set. (example: I rent out this 2-handed rune longsword for 10000 gold and in 5 days this automatically returns to my inventory, this weapon cannot be sold and if you die while holding it, it returns to your bank)

The best thing you can do is just give out 2star sets to noob players you see potential in. Rather than getting worried about money you can give out stuff to those whom you want to (tip: don't give to beggars, or borrowers rather help them gather their own CR)

Sun, 07/06/2014 - 09:44

Krakob

I let close friends borrow cash and if they're close enough, I don't really care about them paying back.

Sun, 07/06/2014 - 12:06

#10

Skyguarder

I don't lend anything to anybody except for really trustworthy people that I actually know. End of story.

Sun, 07/06/2014 - 15:57

#11

Autofire

You are experiencing a PICNIC ERROR!

I lend in small amounts, particularly to those of whom I do not know. If it's a good friend of which I have trust in, I might lend 2-3k more than I would otherwise.

I do occasionally borrow, but I always make sure to repay my debts in the same day. I don't really borrow lately, since the mist system is out. However, recently I did borrow because I as like...100 crowns short of creating my new weapon and was impatient. I had already been vendoring a ton of mats. (It's complicated.)

Sun, 07/06/2014 - 16:28

#12

Whimsicality

Don't give away what you aren't already willing to lose. That money could have gone to a proper username.

Sun, 07/06/2014 - 20:26

#13

Batabii

@whimsicality wow I never noticed how bad it was.

Sun, 07/06/2014 - 20:38

#14

Terrifying-Pancake

Pretty sure borrowing without

Pretty sure borrowing without repaying is also known as theft.

Theft is similar to scamming©, stealing, and other things.

OOO is very good at spanking scammers. I suggest that if you ever loan, either
1) take collateral
2) take screenshots of their chat or whatever they say. Especially screenshot of them saying they will repay you.
3) video would be even better
4) Make sure they are a well known person or forum vendor (I am 99.69% sure that people like the Hippo Bros. (Thoranhippo and Hellohippo) wouldn't ever scam, as well as Darkarkangel, Aandy, El-Springer, Silversray, Poetry, and other well known bazaar dwellers). They are not scamming type.

Scammers would usually be fake noobs, and are usually not well known. If you are unable to meet the numbers 1 and 4 above, then do 2 and 3 and then loan at your own risk.

Again, I am pretty sure OOO is great at spanking scammers, so with enough proof, you should technically always be safe.

Sun, 07/06/2014 - 21:28

#15

Fehzor

Usually whenever I let one of the humans borrow from me I take their home address and gather a list of places where they congregate, so as to enforce the return of all that was borrowed along with interest and anything else required.

Mon, 07/07/2014 - 00:25

#16

Iapnez

Normally when I let a friend

Normally when I let a friend borrow from me I tell them to pay me back when/how/if they want to. I like helping my friends get the stuff they want. After all, I already have just about everything I could want in this game... at least fashion-wise.

Mon, 07/07/2014 - 07:21

#17

Miss-Matryoshka

If it's a close friend or somebody I know well, then I will let them borrow what they need. Of course, this is all dependent on what they're asking for. If it's something small, I may just give it away, but, it's something very expensive, I'd be less inclined to let them borrow it, let alone keep it. As for strangers borrowing things, it just doesn't seem like a good idea to trust somebody that you barely know with returning your things, especially if they are quite pricey and you have no way of finding the individual in question again.

Mon, 07/07/2014 - 14:28

#18

Chocobo-Knight

i don't loan crowns to anybody. i did once for a person i'd been running clockworks with for a while; they kept promising to repay. they paid some of it back, but not all. that was the first and last time. people are responsible for themselves. earn your own crowns, bring your own sparks, etc.

Mon, 07/07/2014 - 14:42

#19

Dragon-Mute

I once bought the guardians armour pack just when they made OCH available via ce again and on of my guildies who i played with a lot at the time rlly wanted it so i lent him the ce for it and told him to give it back at his own pace, sometime later he done some grinding and payed half of it back at once, then a month later or so he sold all his equipment and gave all the crowns he got to me even though he owed me a lot less (im kinda sad he quit though)

Nowadays i only lend stuff to guildies of member rank or higher, how much depends on how well i know them and how much i have at the time, since only trustworthy people even get to member in my guild it works quite well

Mon, 07/07/2014 - 15:10

#20

Dimbreath

I remember one guy lend me

I remember one guy lend me 600,000 crowns. It took me a while to pay him. And i'm still missing 100,000 crowns. But that's because I barely play.

Mon, 07/07/2014 - 15:30

#21

Blazzberry

SCP-96

Last time someone lent something to me they came back and said some guy named "Don" needed a favor.

Then he said some things and handed me a black bag. It was heavy and smelled like something foul. After that he said he needed it to "disappear".

Tue, 07/08/2014 - 09:53

#22

Addy

I generally don't lend

I generally don't lend anything out unless I'm really good friends with somebody, though that even recently blew up in my face with a friend quitting before he paid me back. :T SO, idk. As it's been mentioned here, don't lend more than you can afford to lose, and consider it a gift with a chance of getting it back later on.

I also hate borrowing, my memory can be pretty terrible sometimes and I don't MEAN to but I can forget to repay sometimes. If I don't have the money I generally just don't get it.

Tue, 07/08/2014 - 11:29

#23

Corewalker

I do not lend to anyone.

If I cannot afford to give it away, I do not.

If I can, I call it a gift and do not ask for it back.

"can I borrow" is just a euphemism for "can I have", and it's better for both parties if the one in the position to lend has sharp eyes about that.

Wed, 07/09/2014 - 11:32

#24

Sir-Greenlink

Are you willing to take a bullet for the person? If not, you probably shouldn't be lending money to them.

I've learned that trust is something you gain over a very long period of time. If it's not like that, you're likely going to run into problems eventually.

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Lending! To Let People Borrow From You or Not!