Call Customer Services? What for?

I don't think that the XIRR will decline as a result of running down. It may well decline, but as a result of more loans defaulting, which would cause it to decline regardless of whether you were running down. The point of XIRR is that it takes account of the capital invested, so will only fall as a result of worsening percentage returns.

I'm running my Zopa account down too. My one year experiment with Zopa came to an end a few days ago and I switched off relending and started withdrawing repayments. The XIRR was 5.53% at that time. It's down from a high point of 6.07% due to recent defaults. Having experimented with 25 platforms I decided that I needed to reduce the number. I've decided that Lendy, Zopa and RS will be the first to go. Lendy for obvious reasons (though I have made a decent return from my very small investment/gamble). Zopa due to falling returns which are already too low for the risk involved and I expect to fall further. RS because it's too much hassle to chase rates that can usually be bettered elsewhere and can't be bothered to keep up with their ever changing terms. I'm also withdrawing from the non-ISA side of my FC account as it's performed badly and I need to free up some capital for the upcoming ISA season.

I finally got around to checking my Invest statements page, especially as this is the first month my invest account produced a negative return for the month, and lo and behold It didn't even deem it necessary to appear - not sure if my investment is performing that well its down on last year but not that badly.

It seems that Zopa is selectively picking some people to have different extra capabilities although I tend to agree with you about what they can do about it apart from make their loan decision AI work better and stop picking bad loans to lend to - especially those that never pay a penny which seem to be consistently increasing. 

Okay so we've just flipped over to the new month and it seems to have come back up to a reasonable rate so I was obviously measuring it for the current month incorrectly. I'm not actually measuring it monthly just the current XIRR so far since apr 1st, I usually keep track of data relative to the tax year, or as close as each months statement data will allow the tax year running from 6th to 5th.

I have my XIRR's section triggering each month line to show XIRR based on the activate field date (i.e current month). I guess the fact that at the moment I am assuming all withdrawn money is done on the start of the month but it increases as I log it each week when I am looking on any day its affecting the Xirr in some way. I am using NPV to double check but perhaps its a quirk of my data at the intervals.

I was assuming the drawdown will reduce the interest received as the invested amount reduces and this would show in the XIRR but the switch from Feb to Mar has just pulled the XIRR back up as there is no defunding as yet well in fact no data for March. Invest is showing as a healthy 5.08% for the last 11 months but the whole year estimate is currently projecting 4.73% but there is obviously no data for Mar as yet. It's clear that the funding data is causing this rather weird effect and as I say is probably due to me not dating each daily reduction in funding.

For interest all our Invest XIRR's with drawdown of funds have corrected today so I guess it's a slight anomaly in XIRR although NPV checks are not showing an obvious error in XIRR.

I think we've probably done this to death now but at least I now understand my XIRR anomaly a bit better.

I see you mentioned comparing savings accounts. I still think P2P amortizing loans are more akin to regular savers than say Marcus lend a lump sum and get a compounding interest rate for it. So 5% in a NW regsaver is different rate of return than say 5% in NW current account. One get just over half the return on the former in a given year than the current account version. So I keep a spreadsheet that allows me to clearly see the real return on a given account and thus can choose more accurately across types of rates. (I'm sure that statement will throw up more questions than putting them to bed, all I can say is it works for me to understand where my returns are best in hard cash terms not in the way that each ave rate is defined and then worked out.) All these AER/APR etc are okay but I like to be sure of my returns on a given investment where I can also bearing in mind what defaults might bring in more risky products etc. 

I haven't either but I certainly did have a fruitful experience in calling them last year, monetarily wise that is, they were very receptive to my complaints but to be fair they were kinda making some big gaffs, selling off SG incorrectly and then making a "pigs ear" of the fixes to correct it was one big issue fo us. 

My experience with Zopa was always a positive one they listened and wanted to make good at the service front end but were sometime heavily constrained by the dev teams putting the spanner in the works of much stuff that needed either fixing or reworking. Zopa was having to pay out a lot of times on silly mistakes so much so it became almost 2nd nature to them to make a payment, well it seemed that way to a serial complainer like me. To their credit at no time were their payments made with a gagging clause though - not sure if that was a mistake or not. One issue I had was how many people may never have actually realised the problems they were being subjected too and I guess Zopa never came publicly clean to reduce the payouts they had to make so it probably cut in in real terms for them.

I even got to speak to some of their top people who again listened and agreed in a lot of cases but nothing much really changed as far as I can tell so it was probably a case of lets placate him and hopefully he'll accept or at worst move on. Sadly we have moved on in terms of the Invest account we are slowly moving over to RS as the rates seem better and there is a PF in place, mind you it remains to be seen for us how useful that one may be. We still have a lot SG covered loans in Zopa and the performance is still standing up for us so far, although Mrs AJu's ISA does look a little less on XIRR front last check was down to 3.28%. We do though consider it in the whole and that's still good for our needs..