ReBS (enhance?) their Publicly Declared Performance Figures.

It's interesting how some people's attitudes have changed over the past couple of years.

I seem to remember a certain person insisting that any criticism of peer-to-peer lending was automatically wrong-headed and even verging on the criminal.

What changed?

More to the point, are you now more open to taking the following difficulties seriously?

- 'investors' using borrowed money
- risk being spread through the use of 'depositor guarantee schemes' such that there's effectively no difference between high and low risk choices
- serious problems with notions like 'personal guarantee' or 'second/third charge'
- the risk, after a certain number of defaults, of 'investors' being hit by the downfall of a platform, irrespective of their individual picks
- the artificial nature of people chasing yield primarily because their ISAs/bonds are worth less than zero when corrected for inflation



Or you could just have this dissenting opinion censored, but that would be hypocritical in light of the now demonstrably and consistently highly bearish sentiment.