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Old 06-28-2006, 02:39 PM   #1
Peaches
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:stop Hey, p1impdogg (drama)

Stop knocking down good interest rates

I had a great one at 28 and you've gotten it down to 15 and I won't bid anymore - bastid
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Old 06-28-2006, 02:41 PM   #2
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What are you talking about? lol
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Old 06-28-2006, 02:43 PM   #3
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prosper?
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Old 06-28-2006, 02:43 PM   #4
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What are you talking about? lol
He knows And it was a DAMN good 28 too. And now a 15. ARGH!!

(prosper.com )
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Old 06-28-2006, 02:44 PM   #5
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Originally Posted by triumph
prosper?

That would be my guess, since Peaches has posted about that site before, and pimpdogg did the other day.
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Old 06-28-2006, 02:45 PM   #6
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haha

im trying to get in on some good rates too! everyone is outbidding me.. all these 23-26 rates are getting knocked down to 24-27% it sucks!
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Old 06-28-2006, 02:47 PM   #7
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lol... Trey is all over this shit right now
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Old 06-28-2006, 02:48 PM   #8
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here we go...
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Old 06-28-2006, 02:49 PM   #9
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Aww prosper, ok. You guys lending $ or borrowing?
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Old 06-28-2006, 02:49 PM   #10
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what happens if people dont pay
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Old 06-28-2006, 02:49 PM   #11
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Quote:
Originally Posted by p1mpdogg
haha

im trying to get in on some good rates too! everyone is outbidding me.. all these 23-26 rates are getting knocked down to 24-27% it sucks!
Some things I do:

I pull up the loans by when they are going to end, see if there are any close to ending that are either funded or close to funding and if the interest rate is good, I hit them.

Also pull up the auto funding ones with high interest rates - they end as soon as they are funded even if there's a week left on them so if there's $X left with a high rate and you're willing to close it down, you can.

But damn, that was a GOOD 28 - no current lates!!!
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Old 06-28-2006, 02:51 PM   #12
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Quote:
Originally Posted by xlogger
Aww prosper ok. You guys lending $ or borrowing?
I'm lending.

If people don't pay, they have a collection agency that goes after them. The concept is that you're spreading the liability over a large number of people. So you could have a $50 loaned out on a $10K loan instead of a $10K loan to someone.

You bid down the interest rates.

I always say it's just like Vegas but without the free drinks and smoke
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Old 06-28-2006, 02:56 PM   #13
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So subtly do they spam.
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Old 06-28-2006, 02:57 PM   #14
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Here's one you could close out - Dude scares me and lives in GA so I'm not touching it, lol!

https://www.prosper.com/public/lend/...istingID=20549
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Old 06-28-2006, 02:59 PM   #15
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27%, jesus thats nuts..
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Old 06-28-2006, 03:12 PM   #16
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27%, jesus thats nuts..
A lot of these are covering for payday loans which are in the 100%+ range. People can lower their monthly payments by hundreds of dollars by going "down" to 27%.

Now if we were REALLY smart, we'd open a payday loan store
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Old 06-28-2006, 03:12 PM   #17
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Damn, that site looks pretty cool...

Thanks for that link....

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Old 06-28-2006, 03:32 PM   #18
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what are they saying about me on prosper? quote me some stuff
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Old 06-28-2006, 03:43 PM   #19
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so if it goes to a collection agency.. will you ever get any of your money back if that collection agency collects?
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Old 06-28-2006, 03:45 PM   #20
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Payday loan places can compound interest here DAILY, which roughly works out to about 300% interest per year... a fucking killer racket... they are trying to get restrictions put on the payday loan market here...

A $300 loan needs $100 paid off in less than 2 weeks to eliminate the interest and filing fees for just that 2 week period... + late fees n shit like that... your loan ends up being a severe ass raping..
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Old 06-28-2006, 03:51 PM   #21
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Originally Posted by Alky
so if it goes to a collection agency.. will you ever get any of your money back if that collection agency collects?
Each collection agency charges a percentage of the loan. The one I picked is 20%. IMO, if someone doesn't pay, I'm writing it off. I don't usually bid more than $50-100. I have a couple for $300-400 but nothing higher than that. It will be an interesting experience. I'm not putting more than I can say goodbye too. It's purely a gambling thing to me.

P1imp - This is one of the funnier ones Someone put this loan up: http://www.prosper.com/public/lend/l...istingID=21613 and it's obviously fake. Someone on the boards said " Wonder who the brother is? PimpDog?" LOL!! You're famous (or infamous )
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Old 06-28-2006, 03:57 PM   #22
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Originally Posted by media
Payday loan places can compound interest here DAILY, which roughly works out to about 300% interest per year... a fucking killer racket... they are trying to get restrictions put on the payday loan market here...

A $300 loan needs $100 paid off in less than 2 weeks to eliminate the interest and filing fees for just that 2 week period... + late fees n shit like that... your loan ends up being a severe ass raping..
Yeah, I put in a high bid for a low interest rate for a USAF guy who was having payday loan problems. Sometimes I bid with my heart and not my wallet.
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Old 06-28-2006, 04:10 PM   #23
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I wish there was a UK version of the site or they would allow people with non-usa addresses to lend.
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Old 06-28-2006, 06:28 PM   #24
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Originally Posted by sarah_webinc
I wish there was a UK version of the site or they would allow people with non-usa addresses to lend.
I think they will eventually. It's SO new right now.

I also wish they had an affiliate program, lol
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Old 06-28-2006, 06:32 PM   #25
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Thats really cool. I will give it a try myself.
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Old 06-28-2006, 06:34 PM   #26
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Just a bit of warning: it takes FOREVER to get a transfer there. At least 5 business days minimum. It's like someone's walking it over there from my bank here in GA........
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Old 06-28-2006, 06:47 PM   #27
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what a great site.
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Old 06-28-2006, 07:12 PM   #28
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Quote:
Originally Posted by Peaches
Each collection agency charges a percentage of the loan. The one I picked is 20%. IMO, if someone doesn't pay, I'm writing it off. I don't usually bid more than $50-100. I have a couple for $300-400 but nothing higher than that. It will be an interesting experience. I'm not putting more than I can say goodbye too. It's purely a gambling thing to me.

P1imp - This is one of the funnier ones Someone put this loan up: http://www.prosper.com/public/lend/l...istingID=21613 and it's obviously fake. Someone on the boards said " Wonder who the brother is? PimpDog?" LOL!! You're famous (or infamous )
definitely fake, those pics are stuff we shot for one of our sites, she's a pornstar.
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Old 06-28-2006, 08:19 PM   #29
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what are they saying about me on prosper? quote me some stuff
Really can't quote but on the lenders forum, I laughed when they were asking about one browers listing, and a poster said it must be pimpdog sister.
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Old 06-28-2006, 08:25 PM   #30
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Originally Posted by SureFire
Really can't quote but on the lenders forum, I laughed when they were asking about one browers listing, and a poster said it must be pimpdog sister.

well atleast i made a name formyself over there. haha
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Old 06-28-2006, 08:28 PM   #31
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Quote:
Originally Posted by SureFire
Really can't quote but on the lenders forum, I laughed when they were asking about one browers listing, and a poster said it must be pimpdog sister.
I think that's the same one I was talking about, lol. Now that we know she's content, it makes it even funnier
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Old 06-28-2006, 08:28 PM   #32
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good deal
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Old 06-28-2006, 08:52 PM   #33
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ive locked up 4k worth of loans now.. 6k togo.. im getting sick of getting outbid
im just going to low ball everyone to piss them off and make all the money myself.

i suggested to prosper that theyneed to allow lenderes to sell the loans they secure to other lenders like banbks do..

makes sense to me.....
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Old 06-28-2006, 10:27 PM   #34
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Quote:
Originally Posted by p1mpdogg
ive locked up 4k worth of loans now.. 6k togo.. im getting sick of getting outbid
im just going to low ball everyone to piss them off and make all the money myself.

i suggested to prosper that theyneed to allow lenderes to sell the loans they secure to other lenders like banbks do..

makes sense to me.....

You guys should keep your mouths shut. I never knew about that site and i think it rocks... like legal gambling. holy shit this is going to be fun. Watch out here I come. i am making a screen name ILendoutLOW LOL
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Old 06-28-2006, 10:41 PM   #35
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i just out bid this dude epiccash on like 20 offers.
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Old 06-28-2006, 10:49 PM   #36
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Trey, 15% ???? man why would you borrow at such a high rate. you can't make a return on that. oh wait you borrowing money for something non income producing.... 10x worse. 15% ?
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Old 06-28-2006, 10:57 PM   #37
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Trey, 15% ???? man why would you borrow at such a high rate. you can't make a return on that. oh wait you borrowing money for something non income producing.... 10x worse. 15% ?

the loan wont even fund. thats why i asked for 25k. im testing the site out seeing how things work.. as you can see there are only a few hrs left with 15k togo

my credit is great, i just wanted to attract some bidders with the 15%
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Old 06-28-2006, 11:29 PM   #38
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the loan wont even fund. thats why i asked for 25k. im testing the site out seeing how things work.. as you can see there are only a few hrs left with 15k togo

my credit is great, i just wanted to attract some bidders with the 15%

oh ic. i was about to loan the rest of it too... good thing i didn't if you are not serious.

but i had one stipulation i wanted a free ride and I am not talking about the car lol.
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Old 06-28-2006, 11:36 PM   #39
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oh ic. i was about to loan the rest of it too... good thing i didn't if you are not serious.

but i had one stipulation i wanted a free ride and I am not talking about the car lol.

ill rent her out for 2k a day

she could make that in vegas in an hr easy

that pussy is good
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Old 06-28-2006, 11:49 PM   #40
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Why dont those people just go to a bank?
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Old 06-29-2006, 01:09 AM   #41
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Why dont those people just go to a bank?
Most won't qualify for a loan from a bank because of credit issues. Others find it easier to and less intimidating to do it all behind the pc rather than risk rejection from someone in person.
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Old 06-29-2006, 02:31 AM   #42
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Quote:
Originally Posted by Peaches
I'm lending.

If people don't pay, they have a collection agency that goes after them. The concept is that you're spreading the liability over a large number of people. So you could have a $50 loaned out on a $10K loan instead of a $10K loan to someone.

You bid down the interest rates.

I always say it's just like Vegas but without the free drinks and smoke
interesting concept
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Old 06-29-2006, 02:53 AM   #43
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definitely fake, those pics are stuff we shot for one of our sites, she's a pornstar.
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i wanna play on prosper too
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Old 06-29-2006, 03:00 AM   #44
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There is a company that was charging so much interest here on payday loans that the Attorney General came in and shut their asses down.

Last edited by kilotoons; 06-29-2006 at 03:02 AM..
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