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/mod hat off ..

I don't believe HMRC would have a problem with that, since you'd not KNOW (for sure) that later tax year would be at a lower rate (stuff happens) and anyway it is only avoidance, not evasion (pretty clean compared to the recent Paradise leaks).
You obviously can't claim it until/unless it is (by HMRC's reasonable definition) 'irrecoverable', and you might be on dodgy ground if you delayed doing the claim 'unreasonably' in order to shuffle it into a tax year of your choosing. However, this is not tax advice ... if you want some, that'll cost a lot more (and unless the amount under discussion is huge, probably won't be worth it).

And it no longer (if it ever did) shows on either of the two company websites linked to from the Lendy proposal page .. 'IOW .. Never heard of it!'. 8>.

You don't subscribe to the PT Barnum view then? ('One born every minute').
I do have a problem with 'P2P' where the decision making is all with the platform and no loan ever fails to get funding from the Ps on the sharp end (because the platform makes the decision). I call that 'banking', or something scarily close to it.

Nobody is obliged to tell me/us, no (like certain other activities), however stevio apparently believed it enough to post it (so either he's half-blown the secret, or there really isn't one to blow).

I should add that the 'we'd like then badged' was my thought on the matter, and is subject to discussion by the team .. I suspect it would really depend on what the relationship between 'Pro Club' and ABLRate actually is. Maybe we should ask the audience .. my opinion is that an 'opinion' posted by a Pro-club member might be read differently to an opinion from Joe Public, but maybe that's not the case.

Really? A quick scout round the premises here has so far failed to turn up any mods in ABLRate's Pro Club, but if you know different, please feel free to name them (by PM if you like) - ideally (for purposes of forum clarity) we'd like them to be badged as such, just as members of DDC are spelled out.

/mod hat off

I have similarly reduced for a variety of reasons .. too much spin, too many clearly dodgy borrowers (with equally dodgy VRs), attempted rate reduction to <=8% ('safer borrowers' .. yeah, pull the other one), 'Hotel California' SM (you can list DFL parts but new tranches will arrive faster than the queue moves .. and some arrive with cashback, which you can't compete with), 'splash' on Cowes rather than minding the knitting, new found loan statuses like 'suspended', and yea still the FCA haven't signed them off (hence no ISA). I will stick with what I've got which won't sell easily, and pray over the defaulted ones, but I'm not going to poke any more into the lobster pot.

I doubt the platform will sink any time soon (famous last words), but it isn't going to grow very fast in the current climate, and property WILL go into reverse at some point (probably starting with stupidly priced London pads, IMO). The current climate is almost certainly too negative, but then 12 months ago it was over the top in the other direction (with a lot more stuff seemingly hidden from view, it must be said). Don't invest what you can't afford to lose (or have tied up for years), diversify across loans, platforms, and asset classes, and don't fret .. 'worse things happen at sea'.

But doesn't that just show you about yourself?

I guess you might mean the 'members' tab, from which you can select a member and see (some) details about them. I think adding new items to the member display (like where they live) would require Admin to do something, if not proboards themselves .. and that still wouldn't help if a member was visiting a particular area other than their home.