Here's an encounter with Lizy that I had, and I've had many of them. Lizy never did anything that actually hurt my overall position in the game, but check this out:
1st:
I'm going to head to Castle Oztroja as my RNG to camp Mee Deggi The Punisher. I just got done camping Valkurm Emperor, where I first saw Lizy. I knew Lizy was a THF with TH2, so I ask Lizy if he wants to come along and help me get the claim and split the loot. He was just getting off the Ship to Mhaura and he agreed, but he had to go to Windurst and change his SJ to WAR.
As he was going to Windurst, I made my way up to Mee Deggi's spawn area. Lizy sends me a tell saying "If you get the drop while I'm in Windurst, you're still going to give me half the money right?" I took it as a joke and just kind of said "lol...right..." Lizy apparently wasn't joking because he said it takes time to go to Oztroja and that's time he could have spent doing other things. I said "Ok, I'll give you 10k for your effort of going to Windurst and changing your sub if I get the drop while you're not here" He wasn't satisfied with that arrangement. I finally said "How about you just get here, so we don't have to worry about that situation" I assume he had nothing to say to that. A 45 THF can't even kill Mee Deggi, and would probably have a rough time even killing the placeholders...
So at that point, I'm kind of like why the hell did I even bother, but I decide to give him another chance. He finally arrives in Oztroja and I send him an invite. Somehow, someway.. he wasn't able to accept it, so he sends ME the invite. Again, another red flag, but I accept it anyway. Lizy finally arrives at the NM camp.
A few placeholders later, Mee Deggi appears and I provoke it. The NM's name turns red to me, and Mee Deggi attacks me a few times. I finally start to engage it, and I get a message that says "Your target is already claimed" This all happened within a matter of maybe 2 seconds, but another camper was somehow able to provoke it while I had it claimed.
It was the infamous NM glitch, I suppose, but I politely start to ask the other camper that provoked it if I can have it back, her name was Almie I believe (A female elvaan), and before I can send a tell, Lizy is dropping the F-bomb like crazy on Almie and her friend. Great, there goes ANY chance I MAY have had of getting the NM back. Almie didn't take Lizy's reaction too well, and started getting kind of crappy toward me. Whether she would have gave me the claim back, I'll never know.. I didn't EXPECT her to because of a server glitch, but any chance I may have had was completely erased by Lizy's choice of words. This happened probably..2 months ago?
2nd:
The other day I was camping Valkurm Emperor and, of course, Lizy was there. Lizy sends me a tell asking if I wanted to team up. I said "No thanks, your reputation on this server isn't so good, you know?" I asked him why so many people disliked him and he said "None of the stuff that people say on the message boards is true. They think I'm a gil seller and that makes them mad. They make up stories about me to try to make me look bad." So basically anyone that posted any story about Lizy ripping them off is a liar in Lizy's eyes. I'm not in a position to determine whether or not it's true, but all I can say is: I know my story is true.