Are you comfortable with Zopa?

I'm happy with the non-plus offering.  I've always been cautious about the higher-risk offerings, I only have about 10% in Z+.

Has their sign up process resumed I applied some months ago but still have not heard anything since?

Going back to the original question, no I'm not comfortable with my Z+ holding and I sold most of it in order to invest in their ISA Core offering. I have bitten the bullet though and have put £3k out of my £20k ISA money into the 'new' Z+ just to add a bit of spice.  There are far fewer D/E loans in my portfolio now and those loans were my main concern in my original holding, so I hope to get the advertised rate tax-free.  I have said elsewhere that the old Z+ was relatively unstable (despite the nice video on the website explaining why there were so many defaults).  The new offering is very different though and worth a small % of your portfolio.  I would probably recommend £5k in Z+ and £15k in Core for anyone investing the full amount into the ISA.  As a footnote, I should add that I already have some 'Collections' in my ISA as I started it in June - the first default will come along soon, I'm sure - so it's still not for the faint-hearted. 

Hello,

I am leaving Zopa now the provision fund has stopped.  Slowly taking my money out every week but not sure where to put it.

Well, it was going to be with AC but they have announced that the GBBA account is closed, so I will have to think again. 

I think we chatted about earlier either on this thread - I had been told then I could get better rates but I was surprised that it was a little more hit and miss than I was comfortable with. I think at the time I looked at RS it was fluctuating between 6% and just above 4%. Now I understand it a bit better I prefer to be lending with a lot of diversification these days unless it's in SG which is no more on Zopa.

I thought at the time that RS lent much larger sums into any given loan. If I've got it wrong then I apologise but it seemed that I might get 6% and I might get 4% but the only thing that seemed predictable was that as much lending that was needed for given loan would be applied from my investment. Whilst I don't mind that if the PF holds up but for me it felt a bit too much like I was betting my shirt rather than my socks and if the PF fund failed I'd be far more exposed than the small loans I try to get in Zopa outside the SG. 

I do get it though that the more experienced RSer can probably get the rates they want but I could not see it was anymore than a punt on the lending queue positions. Perhaps when things die down on Zopa, for me anyway, I'll break off £100 to get a feel for it. Mind you if it really is based on HMRC bad debt changes then surely RS PF will be on the way out too perhaps.
  

I escaped from zopa nil loss; would never go back