A. A regular person is not permitted.
Q. What is the halachic conclusion regarding one who borrows an item without notifying the owner ?
A. He is a gazlon (thief ).
Q. We have a 3 way dispute in our Mishna between Beis Shamai , Beis Hillel & R. Akiva , who do we follow ?
A. It is a dispute -
Shmuel - R. Akiva
Rava - Beis Hillel
Q. So what should we follow ?
A. Rashi - follow Rava who is the latter Sage.
Q. If he said he was going to do shlichus yad is that considered as if he did it ?
A. Beis Shamai - yes.
Beis Hillel - no
Now may be a good time for a gem of Torah study.