p40l0m4r
Member of DD Central
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Post by p40l0m4r on Apr 7, 2017 8:38:42 GMT
Hi, can that section be updated with new p2p sites that are growing in those months?
I'm thinking at least viainvest, fellow finance, lendix. The structure of that section is old.
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Post by nesako on Apr 7, 2017 8:41:16 GMT
Hi, can that section be updated with new p2p sites that are growing in those months? I'm thinking at least viainvest, fellow finance, lendix. The structure of that section is old. I agree, but would wait for the poll results on the most used platforms to make a decision on who exactly should be listed there.
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Post by buttchopf23 on Apr 7, 2017 8:50:52 GMT
I guess the admin can see which threads are frequented the most. I really would like to see the euro part grow
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kulerucket
Member of DD Central
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Post by kulerucket on Apr 7, 2017 9:01:10 GMT
It would also be nice to see how many people use the EUR forums from the poll. There are the usual supects who post but there maybe be a lot more people who just read but might like to contribute to the poll. I think that ViaInvest is a bit underused at the moment and it's popularity will grow due to the reliability of short-term 12% loans and having a larger company behind.
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Post by nesako on Apr 7, 2017 10:10:28 GMT
It would also be nice to see how many people use the EUR forums from the poll. There are the usual supects who post but there maybe be a lot more people who just read but might like to contribute to the poll. I think that ViaInvest is a bit underused at the moment and it's popularity will grow due to the reliability of short-term 12% loans and having a larger company behind. The only thing I do not like about ViaInvest is that they are withholding Tax, I was told I need to provide UK Tax certificate for each country I am planning to invest in, so a big pain is the ass...
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Post by thep2pinvestor on Apr 9, 2017 6:05:34 GMT
This seems like the typical chicken and egg dilemma ? I am a EUR based investor. Of course I would love to have more interactions and discussions on EUR based investments here. But i assume that most Forum participants here are UK and £ based and I can understand that they focus more on UK and £ investments. This being said, there is a forum dealing with P2P lending in France (and in EUR). It is of course in french. www.crowdlending.frAnd then there is of course the Forum of Claus (Wiseclerk here). This Forum is very active and interventions are often of high quality. It is in German but it happens that discussions take place in English. www.p2p-kredite.com/diskussion/
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p40l0m4r
Member of DD Central
Posts: 63
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Post by p40l0m4r on Apr 9, 2017 9:32:46 GMT
Thank you for the links p2pinvestor, it will be quite hard for a non french or german speaking to interact correctly, but they are interesting sources. Yes you're right now in this forum most of the partecipants are UK based, but i really don't see any reason to not update the EUR section, it will take 2-3 minuts from a mod, but it could help to attract new users. I think the problem is simply that noone has asked before .
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Post by buttchopf23 on Apr 9, 2017 10:26:40 GMT
Thank you for the links p2pinvestor, it will be quite hard for a non french or german speaking to interact correctly, but they are interesting sources. Yes you're right now in this forum most of the partecipants are UK based, but i really don't see any reason to not update the EUR section, it will take 2-3 minuts from a mod, but it could help to attract new users. I think the problem is simply that noone has asked before . Nothing to add +1
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Post by wiseclerk on Apr 11, 2017 9:41:39 GMT
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Post by mrclondon on Apr 11, 2017 11:50:20 GMT
During the quarterly review of the forum boards / structure (late Feb / May / Aug / Nov ) we look at all the general boards to identify any platforms that merit a sub board of their own based on evidence of interest in the platform (c. 100 posts since the last quarterly review). The most recent quarterly stats are available here. None of the current moderators invest in EUR loans so our focus does tend to be elsewhere, so feel free to prod us when a specific platform is attracting 100+ posts over a 3 month period, and we will create a sub-board at the next quarterly review. The forum is primarily targetted at UK residents/citizens, and depending on how the UK/EU passporting issue is resolved, it is possible that some / many / all of the platforms currently offering EUR loans to UK residents may have to cease such offers; either as a consequence of new UK/EU trade in services rules, or the ability of the FCA to block these companies once the passporting arrangement comes to an end on investor protection grounds.
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Sr. Lobo
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Post by Sr. Lobo on Apr 11, 2017 14:00:09 GMT
The forum is primarily targetted at UK residents/citizens, and depending on how the UK/EU passporting issue is resolved, it is possible that some / many / all of the platforms currently offering EUR loans to UK residents may have to cease such offers; either as a consequence of new UK/EU trade in services rules, or the ability of the FCA to block these companies once the passporting arrangement comes to an end on investor protection grounds. I don't think things won't be that way. There is no restriction a Brazilian, for instance, can invest in an European or British platform. Maybe I will need a visa for visiting London or a retired Brit insurance for medical care living in Spain, but I don't thing there is a reason to forbid investing in a different country. That's no brexit but isolationism.
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Post by mrclondon on Apr 11, 2017 14:31:28 GMT
The forum is primarily targetted at UK residents/citizens, and depending on how the UK/EU passporting issue is resolved, it is possible that some / many / all of the platforms currently offering EUR loans to UK residents may have to cease such offers; either as a consequence of new UK/EU trade in services rules, or the ability of the FCA to block these companies once the passporting arrangement comes to an end on investor protection grounds. I don't think things won't be that way. There is no restriction a Brazilian, for instance, can invest in an European or British platform. Maybe I will need a visa for visiting London or a retired Brit insurance for medical care living in Spain, but I don't thing there is a reason to forbid investing in a different country. That's no brexit but isolationism. Yes, but there is a distinction between a platform in country A accepting an unsolicitated investment from an individual in country B, and a platform in country A making a financial promotion in country B (to solicitate investments from individuals in country B) "In its warnings, the FCA stated almost all companies and individuals offering, promoting or selling financial services or products in the UK have to be authorised by the regulator. " from link , however my understanding is that a financial services firm in the EU only has to show they are authorised by their own regulator under the EU financial services passporting arrangements to operate in other EU markets without further authorisation. The FCA does not regard the use of social media by financial services companies as being exempt from the requirements of their financial promotions regulations. My understanding is that all p2p platforms domiciled outside the UK, will post brexit, have to be directly authorised by the FCA to be permitted to promote their loans to UK residents ( including on this forum). Unless, of course, a new financial services passporting deal is part of the new UK/EU trade agreement.
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Post by extremis on Apr 11, 2017 15:32:39 GMT
What about the other way round? Will there be any change (after Brexit) for European investors currently investing, or planning to invest in UK based p2p platforms?
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Sr. Lobo
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Post by Sr. Lobo on Apr 11, 2017 16:25:34 GMT
So, FCA will forbid that we, individuals, share experiences in a forum about no UK platforms or just to platforms representatives or only if they promote their loans. I'm surprised about this.
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Post by mrclondon on Apr 11, 2017 16:46:49 GMT
Also of relevance for post brexit UK/EU investing, is this article from the FT last November, Google FT EU reconsiders financial market access rules and click on the obvious link (to bypass paywall)
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