Collections agent (Small)

[William one eye]

Basically this is a bounty system for bankers
That recovers some of their lost investment.

A banker who has outalstanding unpaid debt can place a marker on that player to share X % collection of that debt
With the collection agent.
X is set by the bank.

A player who would like to collect debts for the bank,
Visits the collections page to look for players with a marker on them.

The player can buy the marker from the bank.
Bank sets fee if any.
Markers have a set duration.
a player holding a collection marker gets X % of the recovery when they hunt the player in default.

Markers will be set by the bank and the bank will choose the share they get vs the share the collection agent gets X%.
Bank sets the total amount they seek to recover.
This amount cannot exceed the total debt owed by the offending player.

When the hunter that has accepted a marker attacks the offender they get they X% of the plunder offered to them by the bank. The bank gets the remaing plunder.
If a ship is plundered it is immediately sold to the shipwright at 100% value. Attacker gets X% of the sale amount, bank gets the rest. Attacker gets credit for a ship plunder


Why would a player choose to collect for a bank instead of just raiding for themselves and keeping the entire plunder.

Suggesting a player collecting for a bank gets 50% turn usage and 50% danger inccured for every attack on the offending player. No in nation hostillity inccurment.
You get honor points with the nation the bank belongs to.


If the collection has not recovered the minimal ammount set by the bank within the time frame specified by the bank the marker is revoked and reposted. The initial agent cannot take the marker again for 30 days.

[DezNutz]

Interesting.

[Meliva]

huge +1 from me. I would also like to see more banker based additions to make banking more profitable and safe. One I think would also be good is for there to be a universal blacklist-for example if I went and defaulted on a loan and never paid it off, that bank could put my name on that list, and other banks can see it and choose whether or not to do business with me.

[PhoenixKnight]

I have been advocating for something similar where we can lend against assets that can be seized if loans are delinquent

[DezNutz]

huge +1 from me. I would also like to see more banker based additions to make banking more profitable and safe. One I think would also be good is for there to be a universal blacklist-for example if I went and defaulted on a loan and never paid it off, that bank could put my name on that list, and other banks can see it and choose whether or not to do business with me.

I've made a suggestion that sorta has that. Instead of being a blacklist, it provides a "credit report".

[William one eye]

huge +1 from me. I would also like to see more banker based additions to make banking more profitable and safe. One I think would also be good is for there to be a universal blacklist-for example if I went and defaulted on a loan and never paid it off, that bank could put my name on that list, and other banks can see it and choose whether or not to do business with me.

How about this

A player must have a standing unpaid debt over say 14 days old. If this happens a banker can flag the player high risk and they get a bad credit rating.
If you have a bad credit rating your loan requests show up in events in red.

If this was imposed i would suggest banks could flag players that had succesfully paid off loans with good credit ratings and loan requests would show up in green.