mary
Member of DD Central
Posts: 698 
Likes: 711
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Post by mary on Sept 20, 2017 18:26:53 GMT
I wanted to personalise the invitation, to selected individuals based on their questions. As you have been told, many times, Just Don't!
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Post by samford71 on Sept 20, 2017 18:47:05 GMT
.... I've written to the FCA asking for regulation of this forum because I've noticed an increasing number of minority shareholders, trolling competing platforms. I suspect your 'complaint' was from a user with a vested interest in supporting other platforms and hurting mine. I told myself I wouldn't post anymore but I just have to ask the question: Do you really believe that someone supporting another platform is trying to undermine you? Let's look at the cold hard numbers. Rebs has originated £11.7mm in loans since they started in 2013. So just £11.7mm in almost 5 years. In that time some many platforms have originated £100mm+, some £1bn+. This year Rebs has originated <£1m in loans, the square root of nothing. Most other platforms originated more than that each week, some exceed that daily. Yet you want us to believe that there is some Machiavellian scheme to undermine Rebs. Why would anybody bother? To capture your negligible market share? This reeks of a silly conspiracy theory to deflect attention from the real issues: an inability to maintain even very modest volumes of origination. Of course this might just be correlated with the 20.8% default rate on the 2015 loan cohort and the 17.9% default rate on the 2016 cohort, with little to show in crystallized recoveries. As for thinking this forum is a "price comparison site". That is just ludicrous. It's a forum. Like say the "LemonFool" or any of many AIM forums. None are regulated, nor should they be. It beggars belief that you want a forum FCA regulated when a few P2P platforms are still yet to be regulated and many of the directors/staff are still awating regulation. Mr Rajkumar stop blaming this forum. Nobody is undermining Rebs because there is no rational need to do that. Rebs has done this all by itself, without any outside interference at all.
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agent69
Member of DD Central
Posts: 6,030 
Likes: 4,431
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Post by agent69 on Sept 20, 2017 19:13:28 GMT
.... I've written to the FCA asking for regulation of this forum because I've noticed an increasing number of minority shareholders, trolling competing platforms. I suspect your 'complaint' was from a user with a vested interest in supporting other platforms and hurting mine. I told myself I wouldn't post anymore but I just have to ask the question: Do you really believe that someone supporting another platform is trying to undermine you? Let's look at the cold hard numbers. Rebs has originated £11.7mm in loans since they started in 2013. So just £11.7mm in almost 5 years. In that time some many platforms have originated £100mm+, some £1bn+. This year Rebs has originated <£1m in loans, the square root of nothing. Most other platforms originated more than that each week, some exceed that daily. Yet you want us to believe that there is some Machiavellian scheme to undermine Rebs. Why would anybody bother? To capture your negligible market share? This reeks of a silly conspiracy theory to deflect attention from the real issues: an inability to maintain even very modest volumes of origination. Of course this might just be correlated with the 20.8% default rate on the 2015 loan cohort and the 17.9% default rate on the 2016 cohort, with little to show in crystallized recoveries. As for thinking this forum is a "price comparison site". That is just ludicrous. It's a forum. Like say the "LemonFool" or any of many AIM forums. None are regulated, nor should they be. It beggars belief that you want a forum FCA regulated when a few P2P platforms are still yet to be regulated and many of the directors/staff are still awating regulation. Mr Rajkumar stop blaming this forum. Nobody is undermining Rebs because there is no rational need to do that. Rebs has done this all by itself, without any outside interference at all. I hate it when people pull their punches. Man up and tell us what you really think.
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macq
Member of DD Central
Posts: 1,934
Likes: 1,199
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Post by macq on Sept 20, 2017 22:18:08 GMT
Bien sûr. As per my post on Sept 1st, I apologise to any recipients who didn't appreciate my message. I'd also like to express my gratitude to those who did appreciate my private message and proceeded to communicate with me. It's not publically clear as to who does and who does not appreciate private messages, so how does one reach the grateful recipients while avoiding the ones who don't? the answer to who appreciates a PM may be covered by your terms & conditions page which says you only contact people with info & to do market research with consent.So its not ok with an email but is with a PM? While i have no problem with getting a PM from a company as it can be binned or deleted the same as any junk mail like most people unsolicited contact is irritating so may even be costing you customers. I know you say that people asking a general "where else can i invest" have solicited an answer in your eyes but if you were out for a meal and asked a question of someone you are with and the person at the next table starts giving you advice would you regard it as solicited or annoying and unsolicited? As regards the FCA they will also need to monitor sites like MSE,Trustnet,Citywire and all the other hundreds of sites.While i have no knowledge of what was in the PMs referred to i would guess any PMs would have to walk a fine line that they did not stray into financial advice which the FCA would be interested in so not sure its worth a companies time anyway
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Post by martin44 on Sept 20, 2017 23:14:50 GMT
Bien sûr. As per my post on Sept 1st, I apologise to any recipients who didn't appreciate my message. I'd also like to express my gratitude to those who did appreciate my private message and proceeded to communicate with me. It's not publically clear as to who does and who does not appreciate private messages, so how does one reach the grateful recipients while avoiding the ones who don't?Open your door for members to contact you by making an open post "inviting them" to engage in a conversation with you should they wish to, just ask them to drop you a line with their questions and queries. It's hardly rocket science, and i doubt very much that it flaunts any rules, be it forum or FCA My thoughts exactly. danraj Just open a thread with your approach clearly outlined, and then invite investors to discuss on the open forum. Edit... You can simply add. "I am open to further discussion via Pm" and any interested parties will then Pm you.
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JamesFrance
Member of DD Central
Port Grimaud 1974
Posts: 1,323
Likes: 897
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Post by JamesFrance on Sept 21, 2017 7:39:29 GMT
The old saying which comes to mind is "When in a hole stop digging".
What I have read here makes me sure that I won't be considering Rebs as one of my platforms.
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Post by danraj on Sept 21, 2017 13:40:07 GMT
Those purporting to be 'Independent' should be regulated, as with IFAs.
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gb007
Member of DD Central
Posts: 131
Likes: 74
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Post by gb007 on Sept 21, 2017 13:57:54 GMT
Dan, have you been attending the Michael O'Leary school of marketing again?  |
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locutus
Member of DD Central
Posts: 1,059
Likes: 1,622
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Post by locutus on Sept 21, 2017 13:58:47 GMT
Now I realise why there is no "dislike" button on this forum. danraj your lack of good grace is likely putting off people from investing in your platform and outweighing what little business you managed to generate via PMs. |
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