Forum > Borrower Questions > account termination Forum Guidelines

  • Martin Karanja
    Kikuyu, Kenya

    May 5, 2018

    how do i terminate my account?


    • Joost
      Noord Brabant, Netherlands

      May 5, 2018

      That’s not possible yet. You first have to repay or cancel your current loan. After that has been done you can create a support ticket using the help menu (goyimei.info/borrower/help) and ask the Zidisha staff to terminate your account.


      Kusi Obodum and Christiana Aleke like this.
    • Volunteer Mentor
      Kusi Obodum
      Kumasi, Ghana

      May 7, 2018

      Martin you can decide not to accept the loan and cancelled it when the amount is disbursement
      Thanks!!!



  • May 6, 2018

    Hello Martin, you are having a loan pending disbursement, so it's not possible to only post comment here that you want termination of your account. However you can cancel your your loan contract your self or log ticket at using the help menu, otherwise your loan would be disburse to you.


  • Daniel Muema
    Mombasa, Kenya

    May 6, 2018

    I have no any loan. Please I longer need this membership. Please terminate my account


    Samwel Nyangi likes this.
    • Country Liaison
      Laurie
      United States

      May 6, 2018

      This type of inquiry is supposed to be handled on a Support Ticket, not in the Forum (and also not on any borrower Discussion page).

      --> The Forum is for general comments and questions which do *not* require anyone on staff to assist a borrower with his or her *specific* account.

      --> Support Tickets are for comments and questions (for the Staff) which *are* about a borrower's *specific* account.

      --> Discussion pages on the borrower's account also are *not* for any comments or questions for the Staff. Those pages are for communications between the borrower and the lenders (about their businesses and their lives). Those pages also are for Volunteer Mentors to leave notes for the borrower and/or for the lenders; however, a caveat is that no one is supposed to post any sensitive information (id. number, image of any id. card, account number, phone number, email address, etc.) on those PUBLIC pages.

      All borrower-account-specific comments and inquiries (and all sensitive information) always should be communicated by Volunteer Mentors and other borrowers via a Support Ticket (or via email if the Support-Ticket system is down), and should be communicated by lenders via email to "[email protected]". Thank you.

      (Note: Your post above shouldn't have been approved for publication in the Forum and, behind the scenes, you should have been directed to send in a Support Ticket. This is true of any other similar posts you see in the Forum, too. Unfortunately, only the Director is able to delete inappropriate posts from the Forum [and from borrower Discussion pages, too] and obviously she does not have time to do that. Apologies for any confusion caused by newer staff members who may not yet know the rules.)


  • Volunteer Mentor
    Fitri Fauziyah
    Kota Surabaya, Indonesia

    May 6, 2018

    You know Laurie, this thing will always happen. Ticket option only consist of :
    1. technical problem; 2. Fraudulent activity; 3. Intent to be a VM; 4 uncredited payment report; 5. disbursment fund not received yet; 6. MLF refund request; 7. Other.

    Other ticket ask us to make a thread in forum. This thread can be classified as other ticket or the borrower understanding that if it not on the ticket category then the forum is the place to ask.

    Why not put "other " ticket have function like the others 6 ticket? that if the borrower think his problem doesn't match with the other 6 category of the ticket, then it is belong to other ticket. So, they can ask help for their problem to the staff. How about make it 8 ticket? number 7. others issue/ problem and number 8 is about forum function. I think "other" ticket will get famous soon.

    So, the one who able to erased message on discussion page only the director? Her radar are strong.
    The borrower able to edit, and erased their thread here. I'm sure you can too, not like at the old forum. Btw, the old forum link doesn't work at all since 3/4 days ago.

    Translated by Google     Show original

    You know Laurie, this thing will always happen. Ticket option only consist of :
    1. technical problem; 2. Fraudulent activity; 3. Intent to be a VM; 4 uncredited payment report; 5. disbursment fund not received yet; 6. MLF refund request; 7. Other.

    Other ticket ask us to make a thread in forum. This thread can be classified as other ticket or the borrower understanding that if it not on the ticket category then the forum is the place to ask.

    Why not put "other " ticket have function like the others 6 ticket? that if the borrower think his problem doesn't match with the other 6 category of the ticket, then it is belong to other ticket. So, they can ask help for their problem to the staff. How about make it 8 ticket? number 7. others issue/ problem and number 8 is about forum function. I think "other" ticket will get famous soon.

    So, the one who able to erased message on discussion page only the director? Her radar are strong.
    The borrower able to edit, and erased their thread here. I'm sure you can too, not like at the old forum. Btw, the old forum link doesn't work at all since 3/4 days ago.


  • Country Liaison
    Laurie
    United States

    May 10, 2018

    I apologize that I didn't yet know that, about the "Other" option in the support-ticket system (which, as you know, is a new system, replacing email). On our end, when we log in to our lender/staff account, we don't see all of what the borrower sees (only some things). Anyway, I thought borrowers could select "Other" and then fill out the Support Ticket with whatever the account-specific issue is (obviously you know that's what I thought). :) So, based on what you've just said, then when I come back on a regular basis again, I'll ask the developers if they would consider making that possible, since so many inquiries are not generalities but rather are asking the Staff for assistance with a particular borrower account (which the Forum Guidelines state is *not* allowed in the Forum). Thank you for the input, Fitri! :))

    Regarding deleting posts, we can only delete our own. We cannot delete others' posts as we on staff used to be able to do in the old Forum. Currently, only the Director can delete other people's posts here in the new forum (she can edit what we post, too, as it states in the Guidelines, although I haven't ever noticed her doing that yet). As mentioned, though, and as I'm sure you can imagine, she wouldn't often have time to delete posts with comments and inquiries that should have been sent in on a support ticket.

    And, okay, I'll let the web-development team know that the old Forum is inaccessible again, unless Dave or anyone else gets to that before I do. (Even so, though, a lot still won't work over there anymore, even when it comes back online. Although our developers can get it to come up again, they unfortunately can't fix the technical bugs preventing us from removing or changing our photo, etc., etc., because it's hosted on a third-party platform and I'm told that they no longer reply to requests for technical help.) :(

    P.S.: Sorry, I forgot to address your comment about borrower Discussion pages. It's the same thing, yes: currently, only the Director can delete comments from any borrower's Discussion page - except, of course, a borrower can delete one of his/her own comments from his or her own Discussion page, but not from anyone else's.

    • Country Liaison
      Laurie
      United States

      May 18, 2018

      The old Xenforo-hosted public Zidisha Forum is back online! :)

      Thanks, again, Fitri, for noticing it was down!
      Thanks to Rodrigo for remedying the problem. :))


      Fitri Fauziyah likes this.

  • Volunteer Mentor
    Fitri Fauziyah
    Kota Surabaya, Indonesia

    May 10, 2018

    Oh ya, our account menu are different.
    Yes, I've read the guidelines. But doesn't the old forum like this forum? I mean the topic and the question. I think many still think that post message their spesific problem (technical problem about their repayment schedule, missing menu on their account etc) in their discussion mean the staff will help them fix the problems. It's good thing we have Joost now as he help the staff checking the comments so he usually give them advice what they should do (Thanks a lot Joost). Well I did saw Mallika, Sikha and you coming up to anyone discussion before too; told them where they should ask the staff help, thanks a lot for that. Unfortunately what Joost wrote doesn't always show all the message on Indonesian if the borrowers only check the translate edition, Bahasa Indonesia version; if they read the original message, they will find the full content of the message. While the others, even though I think they know that for now the ticket is place to ask Zidisha help, they will post here for reassurance and fast response from the staff. Some lucky get their problem sort from here. So why not try it. Who knows you are not active at that time. Hehehe ;-)

    I wish the old forum link still active. No, I'm not asking to fix the problem there, just let the link still accessable when someone check it. Many Zidisha history there. I know that little will check it as this is the new forum. I finally understand what you mean that you corrected some error. But, if it have to be closed, well who am I to argue.

    Well, the director is the ruler, of course she have the most ability. ;-)

    P.S.:Borrower able to erase and edit any message on their discussion page and on others discussion page too. Delete button still on 100% and always working perfectly.

    Translated by Google     Show original

    Oh ya, our account menu are different.
    Yes, I've read the guidelines. But doesn't the old forum like this forum? I mean the topic and the question. I think many still think that post message their spesific problem (technical problem about their repayment schedule, missing menu on their account etc) in their discussion mean the staff will help them fix the problems. It's good thing we have Joost now as he help the staff checking the comments so he usually give them advice what they should do (Thanks a lot Joost). Well I did saw Mallika, Sikha and you coming up to anyone discussion before too; told them where they should ask the staff help, thanks a lot for that. Unfortunately what Joost wrote doesn't always show all the message on Indonesian if the borrowers only check the translate edition, Bahasa Indonesia version; if they read the original message, they will find the full content of the message. While the others, even though I think they know that for now the ticket is place to ask Zidisha help, they will post here for reassurance and fast response from the staff. Some lucky get their problem sort from here. So why not try it. Who knows you are not active at that time. Hehehe ;-)

    I wish the old forum link still active. No, I'm not asking to fix the problem there, just let the link still accessable when someone check it. Many Zidisha history there. I know that little will check it as this is the new forum. I finally understand what you mean that you corrected some error. But, if it have to be closed, well who am I to argue.

    Well, the director is the ruler, of course she have the most ability. ;-)

    P.S.:Borrower able to erase and edit any message on their discussion page and on others discussion page too. Delete button still on 100% and always working perfectly.


    Mimin Munawaroh and Joost like this.
    • Country Liaison
      Laurie
      United States

      May 11, 2018

      Yes, like Joost, I also used to spend considerable time helping on Discussion pages, because I also noticed so many borrowers posting in the wrong place for help (at that time, the correct place was via email, and now it is support tickets). That was before I joined as a country liaison, at which point I no longer had enough time to help on Discussion pages very often (lately, not at all anymore). It's not an assigned duty, so unless someone takes the initiative to do what I and a few others used to do there, and that Joost does now (and sometimes Mallika, as you mentioned), then it won't get done. Also, there are pages and pages and pages of messages that come through on the "Moderate Loan Comments" feed every day, which is how anyone on Staff can see what's posted on borrower Discussion pages in real-time (or can go back even thousands of pages to see what was posted on other dates), and there just is no way for just one or two people to respond to all (unless that's all they do here each day, in which case sometimes they may be able to, depending on the daily number of inquiries posted there that should have gone on a support ticket for the country-liaison teams to handle). If borrowers would ask on support tickets, then Joost (and others so inclined) could spend more time loan-quality reviewing to correct photos and loan titles (that also is not an assigned task and is left to others' initiative). I always feel so embarrassed whenever I see photos on the "Browse Projects" pages that need to be rotated and/or cropped (or that need to be reported as inappropriate and removed from there, in some cases), and when I see titles that need to be corrected, too. Others have said the same thing to me in the past, so I know I'm not alone in that. (The descriptions we are supposed to leave alone because the Director wants that to be entirely in the borrower's "voice".)

      And, yes, as you said, the Director is the boss! :)

      Loan-profile reviewing for the "Browse Projects" pages also is a job that needs more volunteers working on that, on a daily basis.

      "Why not try it?" Hmm, well, it would be better if they would send in a support ticket because there are teams of people working there, not usually just one or two people. Normally, it's very unlikely to get a response on a Discussion page to an inquiry meant for the Staff (unless, as I said, there's someone like me or Joost taking that initiative, but maybe we shouldn't have done that, because it causes confusion about where to ask the Staff for help). That's another reason why I stopped responding there.

      I agree with you about the old Forum. I would like to see it entirely repaired, but the third-party host isn't responsive anymore to requests for technical help. However, as you said, at least to let it still appear would be good, because, as you also said, there's a lot of interesting information over there. The last time it was down, I reported it to Rodrigo and Julia and asked if it was intentional (like you, I thought it might have been), but they said it was not intentional and they restored it again within 24 hours of when I notified them about it. Let's see if it's the same now, too. I'll report it the next time I log onto our web-development board, if someone else hasn't already done so. (I apologize that I'm very short on time for Zidisha these days. I'll be back on a regular basis again starting tomorrow night [the 11th - it still is the 10th where I am], but for a while, I'll have time only for the minimum required ten hours per week, which I'll be doing mainly just on Fridays and/or Saturdays and/or Sundays (U.S. Eastern Time-Zone.)

      P.S.: I think you mean that borrowers can delete their own posts from their own Discussion pages and their own posts from other borrowers' Discussion pages. Lenders can, too, whether on Staff or not. Everyone can delete his or her own posts, from anywhere (except the old Forum, only because that's one of the many technical glitches that has been plaguing us over there since sometime in June 2016). However, I don't think borrowers can delete *other* people's posts from Discussion pages or from anywhere else, correct? If they can, that's surely a technical bug, so please let us know! ;)

      P.P.S.: Thanks for the screenshot. I wish there were a way to enlarge the image, though. I'll try to remember to suggest a way for us to be able to do that, too, the next time I log onto our web-development board. :)

      As always, thanks for your post, Fitri, and for all of your help in the Forum, too!

      You're amazing! :))

    • Volunteer Mentor
      Fitri Fauziyah
      Kota Surabaya, Indonesia

      May 11, 2018

      re "Why not try it?" Hmm, well, it would be better if they would send in a support ticket because there are teams of people working there, not usually just one or two people. Normally, it's very unlikely to get a response on a Discussion page to an inquiry meant for the Staff (unless, as I said, there's someone like me or Joost taking that initiative, but maybe we shouldn't have done that, because it causes confusion about where to ask the Staff for help). That's another reason why I stopped responding there. "

      There is pro and con about it.
      Pro : If the borrower have a VM then after they post on their discussion without any help, they will try to reach their VM. Ask the VM input or try to search information from Facebook grup, or in this forum. Then they will post another thread here with the repeated question. Maybe the technical team have to make anyone who come to this page will have to read the guidelines first.
      Some cases are need fast response asap (in my opinion), like on the beginning introduction of partial fund loan. Many borrowers who choose partial funded loan having error payment schedule. Installment amount change automatically that makes the loan will fully repay in 2 weeks time not like when the borrowers loan fundrising before. Ofcourse if they are lucky that when they post their thread here, Dave are active and checking the forum.
      Con: because they got no answer or any help, This what I find:
      1. They stop paying their installment after posting that their payment still uncredited and won't pay anymore until it fix, without even try to find out how to fix it :( . Especially when bug coming around october-November 2017. Some even said that their ticket got no response and then the ticket become expired. hm, I don't understand what they mean, will our ticket got expired? Some of ticket answer in Indonesia translation can be different with the staff mean, or the reader have their own version perception of the answer. Usually if I find borrowers saying this, I ask them to show the english version of the ticket to find out what the staff answer. Follow up ticket process takes time, and patience are quite expensive at the moment.
      2. Hold their payment because their repayment schedule got a bug that make it move to 2025 for their next installment. even after I replied her comment how to fix it. There is no respon from her as the last of her comment around November 2017.

      re- " I'll be back on a regular basis again starting tomorrow night [the 11th - it still is the 10th where I am], but for a while, I'll have time only for the minimum required ten hours per week, which I'll be doing mainly just on Fridays and/or Saturdays and/or Sundays (U.S. Eastern Time-Zone.) "

      Oh, no, we have to carefully post a thread in forum atleast on friday-sunday US time, hehehe. ;-)
      Welcome back auntie Laurie. I'll be away until at the end of month. I Hope you are succesfull on your away time. :-)
      I wish we able to influence Joshi or other lenders to help Joost or able to influence them to be a CL. I know there a lot to be checked there, I know this from Joost information somewhere. Sometimes I checked English translation from Indonesian borrowers, as the translation manytimes are funny, too funny manytimes. Especially on borrowers name. Usually on my mentee page if I have time.
      I'll try to repost the ticket screenshot. Hm, the result still not clear. and I can't delete this post just so I can erased the screenshot and repost this message again, weird.

      Yes, I hope the old Forum link active again, and you are corect about Borrowers only ability to erase their own message in their discussion or other discussion. As in the old forum, I think I able to edit or erased my comment, maybe because my name is Fitri. ;-)

      re - You're amazing! :))
      Thanks. I know so. ;-) , so are Julia, Rodrigo, Abdel, Aisha, Alíz, Betsy, Dave, Dustin, Francesca, Jamal, Jessica, Joost, Jyoti, Kavitha, Krisna, Laurie, Lenka, Mai, Mallika, Paige, Prayush, Sara, Yujie and the other Incredible volunteers , all Lenders and all borrowers here. We all are amazing in our way, still survive in this world until now. :-)

      Translated by Google     Show original

      re "Why not try it?" Hmm, well, it would be better if they would send in a support ticket because there are teams of people working there, not usually just one or two people. Normally, it's very unlikely to get a response on a Discussion page to an inquiry meant for the Staff (unless, as I said, there's someone like me or Joost taking that initiative, but maybe we shouldn't have done that, because it causes confusion about where to ask the Staff for help). That's another reason why I stopped responding there. "

      There is pro and con about it.
      Pro : If the borrower have a VM then after they post on their discussion without any help, they will try to reach their VM. Ask the VM input or try to search information from Facebook grup, or in this forum. Then they will post another thread here with the repeated question. Maybe the technical team have to make anyone who come to this page will have to read the guidelines first.
      Some cases are need fast response asap (in my opinion), like on the beginning introduction of partial fund loan. Many borrowers who choose partial funded loan having error payment schedule. Installment amount change automatically that makes the loan will fully repay in 2 weeks time not like when the borrowers loan fundrising before. Ofcourse if they are lucky that when they post their thread here, Dave are active and checking the forum.
      Con: because they got no answer or any help, This what I find:
      1. They stop paying their installment after posting that their payment still uncredited and won't pay anymore until it fix, without even try to find out how to fix it :( . Especially when bug coming around october-November 2017. Some even said that their ticket got no response and then the ticket become expired. hm, I don't understand what they mean, will our ticket got expired? Some of ticket answer in Indonesia translation can be different with the staff mean, or the reader have their own version perception of the answer. Usually if I find borrowers saying this, I ask them to show the english version of the ticket to find out what the staff answer. Follow up ticket process takes time, and patience are quite expensive at the moment.
      2. Hold their payment because their repayment schedule got a bug that make it move to 2025 for their next installment. even after I replied her comment how to fix it. There is no respon from her as the last of her comment around November 2017.

      re- " I'll be back on a regular basis again starting tomorrow night [the 11th - it still is the 10th where I am], but for a while, I'll have time only for the minimum required ten hours per week, which I'll be doing mainly just on Fridays and/or Saturdays and/or Sundays (U.S. Eastern Time-Zone.) "

      Oh, no, we have to carefully post a thread in forum atleast on friday-sunday US time, hehehe. ;-)
      Welcome back auntie Laurie. I'll be away until at the end of month. I Hope you are succesfull on your away time. :-)
      I wish we able to influence Joshi or other lenders to help Joost or able to influence them to be a CL. I know there a lot to be checked there, I know this from Joost information somewhere. Sometimes I checked English translation from Indonesian borrowers, as the translation manytimes are funny, too funny manytimes. Especially on borrowers name. Usually on my mentee page if I have time.
      I'll try to repost the ticket screenshot. Hm, the result still not clear. and I can't delete this post just so I can erased the screenshot and repost this message again, weird.

      Yes, I hope the old Forum link active again, and you are corect about Borrowers only ability to erase their own message in their discussion or other discussion. As in the old forum, I think I able to edit or erased my comment, maybe because my name is Fitri. ;-)

      re - You're amazing! :))
      Thanks. I know so. ;-) , so are Julia, Rodrigo, Abdel, Aisha, Alíz, Betsy, Dave, Dustin, Francesca, Jamal, Jessica, Joost, Jyoti, Kavitha, Krisna, Laurie, Lenka, Mai, Mallika, Paige, Prayush, Sara, Yujie and the other Incredible volunteers , all Lenders and all borrowers here. We all are amazing in our way, still survive in this world until now. :-)


      Laurie, Mimin Munawaroh and Joost like this.
      • Country Liaison
        Laurie
        United States

        May 18, 2018

        All good points...
        See you next month. :)

        Btw, for a while, during the time that I'll be working here (for only ten hours per week, for the time being - on Fridays, Saturdays and/or Sundays), it will be mostly behind the scenes, not much at all in the public Forum.

        Dave and Joost are handling most of the inquiries in the public Forum these days. ;)
        See: goyimei.info/forum-threa...
        (thread 2246, comment 8016)



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