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Originally posted by Matt Hall
Come on, guys, is this ver going to be fixed? I cannot believe this bug. Last online game (and I do mean the last-- until you fix this bug), I had 20 loans randomly taken over a 3 year period (all with 1500+ ducats sitting in treasury already).

The latest patch was supposed to solve this, have you installed it? (1.09)
 
I have 1.09 and have the same problem, I have over 500 ducats and it still took out a loan several times over 2 yrs. It even took a loan out for me when I had 191 ducats. Couldn't they only make it so you have the choice to take the loan, and if you go to a negative amount, without taking a loan, backruptcy, or disbanding army, navy or manufactories would take place automatically until a positive amount is again reached.

just some ideas mac
 
This is known. The next Patch is being internally tested at the moment. There are a lot of fixes in this patch but we will have to wait and see what they are. However I do know that Johan is particularly keen to get the multiplayer working properly.......