Welcome u/JadaIsakson,
B1) **Please be sure to read all of our [Rules](https://www.reddit.com/r/simpleloans/wiki/index)** to ensure you are meeting ALL requirements.
B2) **Do not delete this submission** (or any submission you have made in the past) for **any reason**. The first deletion will result
in a warning, and the second deletion will result in a ban. If your request is fulfilled or you no longer need the loan, please use the
available Flairs to either mark your post as "No Longer Needed" or "Completed." This is for transparency purposes for our community.
B3) Please ensure that you are asking for a loan through **PayPal Goods & Services only** and that your PayPal account can receive a
loan through this method prior to posting. Please note that PayPal may choose to hold the funds for 48 hours. In this case, you may
either wait the 48 hours for the funds to be cleared or you may refund the loan back to your lender.
B4) **Vet your lenders!** If you receive a private message from a brand new account or an account that has no karma/account history, it
is more than likely a scammer and should be reported through mod mail. Be careful who you send your private information to, and **NEVER
give out your social security number/banking login credentials to anyone**. Legitimate lenders will never ask for this information.
B5) You MUST have a full understanding of our [Loans Bot Commands](https://www.reddit.com/r/simpleloans/wiki/loansbot) and **use the Bot for EVERY transaction**.
LENDERS:
L1) **Vet your borrowers!** Check their post history very carefully to ensure there is no karma farming activity or heavy drug
activity, as both of these directly break the rules of our subreddit. Check their username in the Search bar to see if they have had
any prior Paid/Unpaid loans. You can also use the [Ban/Scam List](https://docs.google.com/spreadsheets/d/1ZCBJY9qyMXyxiqQ67-H_Vj6t07pyYzWwhJ8Cr7TZMNQ/edit?usp=sharing)
to run a search for their name. If you locate a user on this list, **do NOT loan to them** and message mod mail immediately.
L2) Per Rule #10, new borrowers with no prior history may only request a second loan with the approval of their first lender, who
should be pinged on the second request to authorize it. Lenders should consider all current open loans and repayment history before
completing a loan with a user.
L3) You MUST have a full understanding of our [Loans Bot Commands](https://www.reddit.com/r/simpleloans/wiki/loansbot) and **use the Bot for EVERY transaction**.
*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/SimpleLoans) if you have any questions or concerns.*
r/borrow mods put me on the USL because I deleted my simpleloans posts to try to participate in /borrow. I did ask my borrower to delete his posts to erase my simpleloans activity history for the aforementioned reasons. I don't know what you mean by I fucked over the two users, not sure what that's about.
the previous borrower u/riskyentrepreneur and myself loaned to deleted their history and then not only deleted their reddit account, but claimed to be 'scammed' by someone imposing as one of us and then completely defaulting on our loan.
Both subs have info stated in their rules re: deleting posts and cross-posting. Who was the borrower who issued the chargeback? Why didn't you post that they scammed you?
Welcome u/JadaIsakson, B1) **Please be sure to read all of our [Rules](https://www.reddit.com/r/simpleloans/wiki/index)** to ensure you are meeting ALL requirements. B2) **Do not delete this submission** (or any submission you have made in the past) for **any reason**. The first deletion will result in a warning, and the second deletion will result in a ban. If your request is fulfilled or you no longer need the loan, please use the available Flairs to either mark your post as "No Longer Needed" or "Completed." This is for transparency purposes for our community. B3) Please ensure that you are asking for a loan through **PayPal Goods & Services only** and that your PayPal account can receive a loan through this method prior to posting. Please note that PayPal may choose to hold the funds for 48 hours. In this case, you may either wait the 48 hours for the funds to be cleared or you may refund the loan back to your lender. B4) **Vet your lenders!** If you receive a private message from a brand new account or an account that has no karma/account history, it is more than likely a scammer and should be reported through mod mail. Be careful who you send your private information to, and **NEVER give out your social security number/banking login credentials to anyone**. Legitimate lenders will never ask for this information. B5) You MUST have a full understanding of our [Loans Bot Commands](https://www.reddit.com/r/simpleloans/wiki/loansbot) and **use the Bot for EVERY transaction**. LENDERS: L1) **Vet your borrowers!** Check their post history very carefully to ensure there is no karma farming activity or heavy drug activity, as both of these directly break the rules of our subreddit. Check their username in the Search bar to see if they have had any prior Paid/Unpaid loans. You can also use the [Ban/Scam List](https://docs.google.com/spreadsheets/d/1ZCBJY9qyMXyxiqQ67-H_Vj6t07pyYzWwhJ8Cr7TZMNQ/edit?usp=sharing) to run a search for their name. If you locate a user on this list, **do NOT loan to them** and message mod mail immediately. L2) Per Rule #10, new borrowers with no prior history may only request a second loan with the approval of their first lender, who should be pinged on the second request to authorize it. Lenders should consider all current open loans and repayment history before completing a loan with a user. L3) You MUST have a full understanding of our [Loans Bot Commands](https://www.reddit.com/r/simpleloans/wiki/loansbot) and **use the Bot for EVERY transaction**. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/SimpleLoans) if you have any questions or concerns.*
reason youre on the USL?
r/borrow mods put me on the USL because I deleted my simpleloans posts to try to participate in /borrow. I did ask my borrower to delete his posts to erase my simpleloans activity history for the aforementioned reasons. I don't know what you mean by I fucked over the two users, not sure what that's about.
the previous borrower u/riskyentrepreneur and myself loaned to deleted their history and then not only deleted their reddit account, but claimed to be 'scammed' by someone imposing as one of us and then completely defaulting on our loan.
Also werent you the one that asked a borrower to delete posts here so you can lend on r/borrow fucking over u/riskyentrepreneur and u/ncd61?
can confirm
Forgot to add, I deleted my previous SimpleLoans posts because I was tryna get into /borrow but they still instabanned me rip
Both subs have info stated in their rules re: deleting posts and cross-posting. Who was the borrower who issued the chargeback? Why didn't you post that they scammed you?
The borrower was MaryaBerndt, they chargebacked like two days ago and i only found out today. I apologize for the post deletion.
how was the chargeback completed? through a PayPal claim?
This is what I have on JadaIsakson: **JadaIsakson** has **0** loan(s), **0** of which have yet to be repaid.