First my suggestion was that the defaulted borrower's account goes debit but never mentioned that the lender be credited at that point, hence PO is not not "in the same place we were". In the entire post it was never suggested that PO back anything.
Second, you have used an example of 10,000 points which is 10x the limits in the example of 600-1000 points. So I do get the point that hanky panky could occur but somewhat blown out of proportion.
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Thread: Marketplace Upgrade
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09-01-2011, 02:56 PM #1
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09-01-2011, 02:58 PM #2"And Shepherds we shall be. For thee, my Lord, for thee.
Power hath descended forth from Thy hand. Our feet may swiftly carry out Thy commands.
So we shall flow a river forth to Thee And teeming with souls shall it ever be.
In Nomeni Patri Et Fili Spiritus Sancti."
http://www.youtube.com/watch?v=7_AtUXdXA_s
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09-01-2011, 03:22 PM #3
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Every user has a new field, "bad loans outstanding (BLO)". This account is credited for the lender as the borrower's account is debited during a default. When the defaulted borrower's "BLO" has a negative number, any earned points decrement this negative value before their available points balance goes positive. The newly earned points transfer to the lender and his BLO account is reduced. Additionally the BLO account would list the bad loans and borrower's making up the balance.