registerme
Member of DD Central
Posts: 6,224
Likes: 6,029
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Post by registerme on Apr 8, 2016 10:12:07 GMT
I have to say I was pleasantly surprised. I think that's the first p2p newsletter that I found interesting and useful (including the interview with AE) . Nice work .
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SteveT
Member of DD Central
Posts: 6,873
Likes: 7,918
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Post by SteveT on Apr 8, 2016 10:16:05 GMT
Yup, good newsletter. Honest and informative!
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littleoldlady
Member of DD Central
Running down all platforms due to age
Posts: 3,017
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Post by littleoldlady on Apr 8, 2016 10:33:46 GMT
No more than we have come to expect from the out and out leader in the communications stakes.
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Investboy
Member of DD Central
Trying to recover from P2P revolution
Posts: 564
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Post by Investboy on Apr 8, 2016 10:56:41 GMT
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Post by SophieThing on Apr 8, 2016 11:03:20 GMT
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Investboy
Member of DD Central
Trying to recover from P2P revolution
Posts: 564
Likes: 201
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Post by Investboy on Apr 8, 2016 12:19:44 GMT
Would be nice to have all the newsletters on the website. I'm guessing your software should have some sort of 'archive' where old emails can be seen... Not urgent but nice to have
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duck
Member of DD Central
Posts: 2,594
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Post by duck on Apr 8, 2016 12:55:10 GMT
Full credit for the interview with AE, I now have a better feel for the business, something that you just can't get from the 'normal' DD.
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jonbvn
Member of DD Central
Posts: 326
Likes: 95
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Post by jonbvn on Apr 8, 2016 20:22:45 GMT
Would be nice to have all the newsletters on the website. I'm guessing your software should have some sort of 'archive' where old emails can be seen... Not urgent but nice to have At present, and IMHO this forum is the primary means of communication between MT and lenders. Therefore, I would say that the numerous communications from MT on this forum has to be archived. The same can be said for some other P2P platforms. As lending volume and lenders increase, the current ad-hoc arrangement surely has to become more formal? In short we surely cannot rely on third party websites? (even if they are good)
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Post by mrclondon on Apr 8, 2016 20:51:22 GMT
jonbvn - the forum moderation / admin team recognises that as the p2p sector matures, the current "ad-hoc" arrangement as you put it may not be the best medium term solution. To that end, discussions with all the major platforms currently posting on the forum will be taking place over the next few months, and a position paper is currently being drafted in advance of these discussions.
There are regulatory considerations for platforms hosting user generated social content themselves, and the guidance the FCA published in February 2015 with regard to the p2p sector touched on this. The long term implications of such regulatory considerations for this forum are, as yet, unclear but are being considered in the wider context of p2p platform communication strategies.
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jonbvn
Member of DD Central
Posts: 326
Likes: 95
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Post by jonbvn on Apr 9, 2016 10:26:50 GMT
jonbvn - the forum moderation / admin team recognises that as the p2p sector matures, the current "ad-hoc" arrangement as you put it may not be the best medium term solution. To that end, discussions with all the major platforms currently posting on the forum will be taking place over the next few months, and a position paper is currently being drafted in advance of these discussions.
There are regulatory considerations for platforms hosting user generated social content themselves, and the guidance the FCA published in February 2015 with regard to the p2p sector touched on this. The long term implications of such regulatory considerations for this forum are, as yet, unclear but are being considered in the wider context of p2p platform communication strategies.
It would be excellent if there was a more formal arrangement. I would also hope that you are are duly compensated, given the vital part this board now plays in the communication strategy of many P2P platforms.
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james
Posts: 2,205
Likes: 955
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Post by james on Apr 11, 2016 21:33:02 GMT
There are regulatory considerations for platforms hosting user generated social content themselves, and the guidance the FCA published in February 2015 with regard to the p2p sector touched on this. The long term implications of such regulatory considerations for this forum are, as yet, unclear but are being considered in the wider context of p2p platform communication strategies. The broad strokes of those regulatory requirements are clear enough: 1. For the platforms it makes no major difference the the communications are here except perhaps to the extent that the place might become unavailable to some customers. If a platform says it here it's bound by it just as if it was an email to customers. 2. This place receives no revenue from platforms so it is not treated as a reseller and hence not subject to regulation as a reseller. Should this place be funded by platforms there would then be a major position change to a regulated reseller status, particularly if payment was through such things as referral commissions. Appropriate FCA approval as a reseller would be required, including such things as having a person experienced with regulatory issues to take personal criminal and civil responsibility for breaches of the FCA's rules by this place. Fortunately none of this applies when the forum is not remunerated by platforms because that removes the money making aspect that is a critical component of the perimeter guidance between regulated and unregulated. For an example of the latter, consider the site stoozing.com which used to list what it considered the best card deals as well as general comparison tables as well as a forum. The FCA decided that the money making aspect required it to be regulated and in response pending possibly seeking approval all of those guides and their referral links were removed from the site.
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james
Posts: 2,205
Likes: 955
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Post by james on Apr 11, 2016 21:37:47 GMT
I would also hope that you are are duly compensated, given the vital part this board now plays in the communication strategy of many P2P platforms. Not being compensated is the key fact that removes this place itself and its moderators from the scope of FCA regulation. The moment that changes the site requires authorisation, most likely as a reseller. Fortunately there's no need for change because volunteers routinely run places like this, benefiting personally from the discussions and just the personal gratification of helping others.
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jimc99
Member of DD Central
Posts: 284
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Post by jimc99 on Apr 11, 2016 23:33:32 GMT
Is it my imagination or is the newsletter backdrop a casino and is the lady top right dealing cards?
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jonbvn
Member of DD Central
Posts: 326
Likes: 95
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Post by jonbvn on Apr 12, 2016 10:09:24 GMT
I would also hope that you are are duly compensated, given the vital part this board now plays in the communication strategy of many P2P platforms. Not being compensated is the key fact that removes this place itself and its moderators from the scope of FCA regulation. The moment that changes the site requires authorisation, most likely as a reseller. Fortunately there's no need for change because volunteers routinely run places like this, benefiting personally from the discussions and just the personal gratification of helping others. Point noted. However, as P2P grows the hosting costs for a forum with possibly 100's of thousands (millions?) of users may be significant.
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Post by Deleted on Apr 12, 2016 12:09:31 GMT
I hope we can avoid getting into the frightfully poor communications offered say by FC or AC ON THEIR OWN SITE, which struggles to be either use or ornament. To be specific, they lack 1) Communication skills 2) English language training 3) Ability to answer a question ("is there anything else I can't help you with") At least on P2P independent forum, we generally manage to work out the answer ourselves or with a little help from senior people in some P2P organisation. Thankfully Ed's team is one of the few portals I would trust to run their own forum.
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