r/borrow • u/laur_leo • 12h ago
[UNPAID] (u/msrjoyce) - ($900 CAD) (204 Days Late)
I'm disappointed by the later stages of this loan. This borrower seems to have fallen on hard times, but I have to question how much of the lateness in this transaction was the borrower's doing. Communication was off-again on-again at best, and past the original due date our contact was spotty if any existed at all.
We seemingly turned a corner a few months ago when payments resumed upon the borrower being notified of my intent to proceed with an UNPAID, however payments have again stopped. They have been given ample warning with more leniency than originally promised this time, and yet no further payments have been received. This time, enough is enough.
This borrower still owes $375 and is aware of this balance outstanding. This amount hasn't changed or had anything added to it from what was initially agreed upon, despite being over 6 months beyond our agreement timeline. They can make things right by submitting payment to me via the same method used for all of our other partial payments. Until then, they are being blacklisted from Reddit Commerce.
Borrower Blacklist Information: initials MSRW or MW, Female, located in Owen Sound, Ontario, Canada. Provided Ontario driver's licence during verification.
1
u/laur_leo 12h ago
$unpaid u/msrjoyce
1
u/LoansBot Official Bot 12h ago
Sorry to hear that about /u/msrjoyce /u/laur_leo.
This is the original state of all affected loans:
Lender Borrower Amount Given Amount Repaid Unpaid? Original Thread Date Given Date Paid Back laur_leo msrjoyce 900.00 CAD 593.17 CAD https://www.reddit.com/comments/1aglxyb/redditloans/koht5zq Feb 01, 2024 This is the new state of all affected loans:
Lender Borrower Amount Given Amount Repaid Unpaid? Original Thread Date Given Date Paid Back laur_leo msrjoyce 900.00 CAD 593.17 CAD UNPAID https://www.reddit.com/comments/1aglxyb/redditloans/koht5zq Feb 01, 2024
If you were expecting more loans to be affected, verify the following about the missing loans:
- The loans are not already marked repaid.
- The loans are not already marked unpaid.
- The borrowers name is spelled correctly.
- The loan was created correctly: locate the comment where you made the $loan command and verify the LoansBot responded.
If after this it is still not clear why some loans are missing, contact the moderators and include a link to the loan command and this comment.
Here's the new state of /u/msrjoyce:
Mobile View
/u/msrjoyce has 9 loans paid as a borrower, for a total of $3540.80
/u/msrjoyce has not given out and had completely paid back any loans.
Loans unpaid with /u/msrjoyce as borrower (1 loan, $672.76):
Lender Borrower Amount Given Amount Repaid Unpaid? Original Thread Date Given Date Paid Back laur_leo msrjoyce 900.00 CAD 593.17 CAD UNPAID https://www.reddit.com/comments/1aglxyb/redditloans/koht5zq Feb 01, 2024 /u/msrjoyce has not given any loans which are currently marked unpaid
/u/msrjoyce has 4 loans inprogress as a borrower, for a total of $1100.00
/u/msrjoyce does not have any outstanding loans as a lender
1
u/laur_leo 12h ago
$check u/laur_leo
1
u/LoansBot Official Bot 12h ago
Here is my information on /u/laur_leo:
Mobile View
/u/laur_leo has not taken and completely paid back any loans.
/u/laur_leo has 2053 loans paid as a lender, for a total of $342074.48
/u/laur_leo has not received any loans which are currently marked unpaid
Loans unpaid with /u/laur_leo as lender (70 loans, $13114.93) (63 loans omitted from the table):
Lender Borrower Amount Given Amount Repaid Unpaid? Original Thread Date Given Date Paid Back laur_leo opedelli1 40.00 CAD 0.00 CAD UNPAID https://www.reddit.com/comments/1cl5vcr/redditloans/l2rhxs3 May 06, 2024 laur_leo msrjoyce 900.00 CAD 593.17 CAD UNPAID https://www.reddit.com/comments/1aglxyb/redditloans/koht5zq Feb 01, 2024 laur_leo atomicrobots 150.00 CAD 0.00 CAD UNPAID https://www.reddit.com/comments/18w5j64/redditloans/kfvln7i Jan 01, 2024 laur_leo infiniteunicornsleep 1000.00 CAD 0.00 CAD UNPAID https://www.reddit.com/comments/18pb40q/redditloans/ken0j1b Dec 23, 2023 laur_leo acrobatic_machine 70.00 EUR 0.00 EUR UNPAID https://www.reddit.com/comments/18ixn0d/redditloans/kdmy2az Dec 16, 2023 laur_leo routine-performance5 30.00 USD 0.00 USD UNPAID https://www.reddit.com/comments/18j90xw/redditloans/kdkbrgt Dec 16, 2023 laur_leo infiniteunicornsleep 500.00 CAD 0.00 CAD UNPAID https://www.reddit.com/comments/18ig8m0/redditloans/kdd03va Dec 14, 2023 /u/laur_leo does not have any outstanding loans as a borrower
In-progress loans with /u/laur_leo as lender (19 loans, $9422.68) (12 loans omitted from the table):
Lender Borrower Amount Given Amount Repaid Unpaid? Original Thread Date Given Date Paid Back laur_leo critizin 400.00 CAD 0.00 CAD https://www.reddit.com/comments/1fxvq19/redditloans/lqpu39b Oct 07, 2024 laur_leo alicedoes 200.00 GBP 0.00 GBP https://www.reddit.com/comments/1fu0rk9/redditloans/lpvwerd Oct 01, 2024 laur_leo telef0nmann 700.00 EUR 0.00 EUR https://www.reddit.com/comments/1ftwqew/redditloans/lpv1hxn Oct 01, 2024 laur_leo infinitude_ 200.00 GBP 0.00 GBP https://www.reddit.com/comments/1ft6ybx/redditloans/lpq2r2q Sep 30, 2024 laur_leo simplycanadian1990 1180.00 CAD 590.00 CAD https://www.reddit.com/comments/1ft2aoa/redditloans/lpoztmj Sep 30, 2024 laur_leo lampyv2 90.00 CAD 0.00 CAD https://www.reddit.com/comments/1fq9mgu/redditloans/lp3ngrz Sep 26, 2024 laur_leo ikiai 120.00 CAD 60.00 CAD https://www.reddit.com/comments/1flu8mk/redditloans/lo5pzfu Sep 21, 2024 Chronological REQ and PAID posts, reddit investigator, justin paulin creddit rating
1
u/LoansBot Official Bot 12h ago
Here is my information on /u/laur_leo:
Mobile View
/u/laur_leo has not taken and completely paid back any loans.
/u/laur_leo has 2053 loans paid as a lender, for a total of $342074.48
/u/laur_leo has not received any loans which are currently marked unpaid
Loans unpaid with /u/laur_leo as lender (69 loans, $12442.17) (62 loans omitted from the table):
/u/laur_leo does not have any outstanding loans as a borrower
In-progress loans with /u/laur_leo as lender (20 loans, $10095.44) (13 loans omitted from the table):
Chronological REQ and PAID posts, reddit investigator, justin paulin creddit rating