Hello again, Sorry to bring the shitstorm here, but I got a few private messages asking about it. I wrote this post to explain a bit more about what happened. I posted this first on PCF (Planet Calypso Forum) which was locked and deleted. Then I posted on Cyrene Forum where it was locked but not deleted. Here is the Cyrene Forum link: https://cyreneforum.com/threads/divinitys-little-scam.8092/ Here are the facts as I see them: 1. I had a good deal at PA bank. I was pawning a Corrosive XIII FEN edition chip for up to 2 months which gave me plenty of time to remember to refinance my loan. Plenty of time was very important for me so I could avoid expiration on an item just sitting around getting dusty in storage. 1a) Later on I spoke with Divinity and he convinced me that Twin Peaks bank was a better deal. 1b) The deal was that if the loan expired, Divinity would keep it aside. 2. In order to REFINANCE you need to get the item out of the bank and put it back. There is no other way to do it, PERIOD. 3. Money was never my problem, EVER, PERIOD 4. I made a deal with Divinity and Twin Peaks bank for only that one item (Corrosive XIII FEN). The deal wasn't for me in general only for that item. There is no room for excuses or misinterpretation. 4. I had 2 options. I could place the item in the Twin Peaks bank or give it directly to Divinity. I chose to put the item in Twin Peaks bank for the simple reason that I need the item sometimes and could get it back at any time from the bank automatically. 4a) The item was placed in the bank: 2019-03-17 13:03:25 [FROM: DDU] its already set @ bank m8 4b) I wanted to use it from time to time, I cant have an item locked to someone who I have to meet with just to use the item. I wanted the item back at my discretion. 4c) I had the item for sale and I wanted a price that wasn't much up for negotiation so I knew it would take some time to sell. The sale thread started at 06-18-2019, 01:23 link here: https://www.planetcalypsoforum.com/forums/showthread.php?310984-Selling&highlight= 4d) If the pawned item is up for sale someone may want to try it, so I would need it right away. (or I need to check tier rates or screenshot the item etc) 5. No excuses. "I forgot" and "ok just let me know if it's about to expire..." I told him from the start money is not an issue. Convenience is an issue. Losing the item is an issue. If all I need from him is to keep it when I forget than how is "tell me if it is about to expire" helpful? From time to time I take the item out and put it back in as mentioned above. However it's always the SAME ITEM, so I thought he would check with me if it did expire unexpectedly. 6. Why would I use Twin peaks bank instead of continuing to use PA bank? Yes, Twin Peaks is cheaper, however the main reason I chose Twin Peaks bank was for the agreed upon safety net in case I forgot to renew the loan in time. That gave me peace of mind. 7. Here is the story Divinity told me: "The day i return from vacation is when i find the chip is unpaid. I also saw that the bank was low on funds as all the funds were loaned out to people ( We get notifications when people try taking loans and the fund is not there in the bank). I contacted 3 resellers ....... the third ( morey ) who is also a partner in the fund that runs the bank agreed to do a favorable deal ( discounted price on the chip). The deal was struck and the funds were collected to put in the bank." "A couple hours later the individual in question leaves messages while i was offline and again when i was online" "He mentioned how i was cheating him and that i had promised him to look after the chip. I explained to him that I had looked after it and he had already taken it out back then." "If he again puts the chip back the least he could have done is inform me of the same. I handle a lot of loans with various items and it is impossible for me to keep track of items indefinitely." "I had no news from him for the next 10-12 days and then I see his post on pcf claiming I had scammed him and him spreading the same news everywhere ingame. Needless to say I was extremely pissed at his behaviour of blaming without even trying to get my help to sort it out. I later found out that he did not speak to morey for roughly 7-8 days after me asking him to and when he did he was extremely rude and called him off without even trying to salvage a deal." --- end of Divinity's messages --- 7a) I logged in just over 2 hours after 00:00 expiration time. So the logic is you were online from 00:00 to no later than 02:30 and your bank was low on funds and you had just returned from vacation so you sold the chip in this time window? 7b) Divinity sold the chip to morey, but morey is actually a investment partner in Twin Peaks bank and also liable and active in keeping the float supplied. My chip wasn't actually sold to a separate entity but someone who is still part of the bank. 7c) He points out I took the chip out of the bank at least 1 time and put it back in. He claims taking the chip out 1 time nullified the deal to keep it safe. I took the chip out to refinance it. We had talked about 1 month vs 2 month loans To me, it seemed obvious a 2 month loan would require "taking it out 1 time" under 1 month system. So it didn't occur to me that refinancing the item could possibly nullify the deal to keep it safe. 7d) He says I should have informed him the chip was being refinanced. How should I now a rule that wasn't stated? I think he should have informed me of the need to inform. He could argue "I told you to warn me it would expire." but on refinance an item NEVER expires. 7e) With his initial explanation Divinity was telling me morey is now the owner of the chip and that it was somehow now my responsibility to get my chip back from morey (morey is a partner of Divinity and more importantly part of Twin Peaks bank) Divinity's view on this matter is clarified with his later complaint about my PCF post "... blaming without even trying to get my help to sort it out. ..." I informed Divinity my chip was expired and missing. How is that not asking for help? I feel it was Divinity's responsibility to follow through on the deal we made. I feel Divinity had every opportunity to make things right and chose not to. Mechanically in the Entropia rules: Every trade is final. I think we just need to remember that is how Divinity feels he should conduct business. 8) This is what morey had to say: 2019-08-08 05:25:36 [FROM: AMK] I dunno anything about ur details with bank 2019-08-08 05:26:01 [FROM: AMK] or the agrement u guys had If morey is a partner of the bank who propped up the float in a troublesome time, don't you think Divinity should have possibly included him in the deal? It's possible morey wouldn't want to give back the chip at cost, but isn't that between morey and Divinity? Why should I have to suffer losing my item to the "fair market" when I own it? I gave Divinity and morey plenty of time to talk among themselves and fix the problem. They are partners after all and both owners of Twin Peaks bank so I thought this should be an easy problem to sort out. When I saw that Divinity didn't lift a finger to help me, I acted accordingly. I did speak with Divinity before creating the first PCF thread. 9) More recently Divinity fought back with these words: "A little more backdrop about the individual. He is the same guy I had asked the fund to payout on an event where he used techniques which were giving him an unfair advantage. We paid out 5k+ to him despite the fact that we could have just banned him and not paid. He was as a matter of fact not paid by the other LA event he was participating in using the same advantage." So Divinity wants to drag up the past. Perhaps he should have pointed out he doesn't like me before making a deal with me. In the land area event he asked me repeatedly how I got so many globals. Finally I told him. At which point he changed the rules mid-event. After that I lost my advantage and interest in hunting his land areas. Heres my secret: If you increase decay, you tend toward larger returns. For the same creatures, larger returns tend to trip the global limit more often. I used a weapon with horrible decay (swine deluxe). I did win 3568 PED from Divinity and partners. OK, so should I feel scammed is the question?