shimself
Member of DD Central
Posts: 2,560 
Likes: 1,169
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Post by shimself on Jun 2, 2015 6:32:52 GMT
If you want some info about French P2P I can help you to not waste time and money . Pret d'union is indeed too low to consider, unilend i've read on my French forum about it, and the capital default is higher than the interest perceived for many people with zero hope of any recovery,risk of default getting higher each year of course . ....
What french forum please (sorry mods don't be too jealous...)?
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Post by penguinz on Jun 2, 2015 7:02:29 GMT
I've looked into the French and German P2P services( they are the only languages other than English I am comfortable with) but the ROI is low and several do not accept deposits from foreign bank-accounts or foreign residents. It appears we are stuck with Bondora for the time being, but there is definitely scope for a competitor.
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jay
Posts: 46
Likes: 18
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Post by jay on Jun 2, 2015 13:55:00 GMT
If you want some info about French P2P I can help you to not waste time and money . Pret d'union is indeed too low to consider, unilend i've read on my French forum about it, and the capital default is higher than the interest perceived for many people with zero hope of any recovery,risk of default getting higher each year of course . ....
What french forum please (sorry mods don't be too jealous...)? For sure, here's where unilend is discussed: www.devenir-rentier.fr/viewtopic.php?id=6382 Theres other topics about P2p , I remember yesterday I found an april 2014 post from a guy telling us the return of bondora weren't that good. Wish I had read it before.Not good is quite the understatement anyway, nothing could have prepared me to the disaster it is. So stuck with bondora indeed, withdrawing when I can and aggravating my ulcer each time I look at my "investements".
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Post by elljay on Jun 2, 2015 17:10:46 GMT
What french forum please (sorry mods don't be too jealous...)? We won't be jealous! 
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Post by reeknralf on Jun 2, 2015 17:45:19 GMT
So stuck with bondora indeed, withdrawing when I can and aggravating my ulcer each time I look at my "investements".
No your not. Mintos, for instance, has been mentioned twice. There are others, but I won't interrupt the Bondora-bashing by mentioning them. The returns on pret d'union are 3-6% not 3-4%. Exactly in line with the UK equivalents, apart from the UK sites lock your money in, whereas with pret d'union you can withdraw it when you want.
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jay
Posts: 46
Likes: 18
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Post by jay on Jun 2, 2015 18:48:49 GMT
So stuck with bondora indeed, withdrawing when I can and aggravating my ulcer each time I look at my "investements".
No your not. Mintos, for instance, has been mentioned twice. There are others, but I won't interrupt the Bondora-bashing by mentioning them. The returns on pret d'union are 3-6% not 3-4%. Exactly in line with the UK equivalents, apart from the UK sites lock your money in, whereas with pret d'union you can withdraw it when you want. 3-6% with capital risk i am afraid i'dtake 3.85% without any capital risks instead on a life insurance. That may seems better but its does not seems worth the trouble to me .Ill keep mintos in mind , feel free to interupt the bondora bashing, even the good things have to pause sometimes. I have plenty of time to do more of that later. When i read on their blog about this investor's utopia that is slovakia :https://www.bondora.com/blog/isepankur-loans-in-slovakia/ and the results is pretty much everything defaulted, they are giving me the stick to bash them.
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shimself
Member of DD Central
Posts: 2,560
Likes: 1,169
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Post by shimself on Jun 3, 2015 18:45:13 GMT
...... unilend i've read on my French forum about it, and the capital default is higher than the interest perceived for many people with zero hope of any recovery,risk of default getting higher each year of course . .... I've been on Unliend statistics page
Incidents de remboursement : repayment incidents as at 30 Apr 2015
Nombre de projets avec incidents de remboursement à date : number of loans with problems 3 out of 127 financed
3 projets sur 127 projets financés
Taux d'incidents de remboursement à date : 1,01 % Principal repayments late 1.01% of total funds lent
(Somme du capital présentant un retard de remboursement à date / Somme du capital restant dû de l'ensemble des prêts sur Unilend)
Taux d'incidents de remboursement à 2 mois : 0,16 % Principal repayments late by over 2 months 0.16% of total funds lent
(Somme du capital présentant une échéance impayée depuis plus de 2 mois / Somme du capital restant dû de l'ensemble des prêts sur Unilend)
If it's true it's certainly acceptable Steve
(Dernière mise à jour : 30/04/2015)
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shimself
Member of DD Central
Posts: 2,560
Likes: 1,169
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Post by shimself on Jun 5, 2015 12:39:36 GMT
Try Trustbuddy. Easy to use, decent returns for Euro investments. In fact they are withdrawing back into Nordic countries only (Altfi reports), so no Euros in future
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