Quote Originally Posted by Zab View Post
I just have to figure out a way to freeze the users points, or whatever he earns goes back to the person he borrowed points from FIRST
Every user has a new field, "bad loans outstanding (BLO)". This account is credited for the lender as the borrower's account is debited during a default. When the defaulted borrower's "BLO" has a negative number, any earned points decrement this negative value before their available points balance goes positive. The newly earned points transfer to the lender and his BLO account is reduced. Additionally the BLO account would list the bad loans and borrower's making up the balance.