Tuesday, 8 August 2017

Do not invest in Bondora | P2P lending

P2P lending
https://veg-buildlog.blogspot.com/2016/09/p2p-lending-risks-and-rewards.html
https://veg-buildlog.blogspot.com/2017/04/just-invested-few-tenners-in-primestox.html
https://veg-buildlog.blogspot.com/2017/08/p2p-lending-risks-and-rewards-bondora.html 

Bondora review: do not invest in Bondora
http://p2pindependentforum.com/thread/4853/invest-bondora

Fintech awards: Bondora (ex Isepankur)

Glad that not many of my loans turned-out like Bondora loans, with worse returns than Funding Circle a few years ago or early Zopa personal loans. Worse than Bitbond. I could be wrong, but my Bondora login screen writes my account as worth €4,160 except that I can't withdraw it. The amount I can withdraw is €0 (worth €4,160 in Bondora money). If I click "sell loans", a high figure for salable loans appears sometimes, and then with a few clicks corrects itself to zero, so I can't withdraw Bondora money and I can't sell Bondora money, and I can't eat it or live in it or anything else either.

While Bondora write €4,160 on the account, profit is minus €834 (suggesting 8% or 9% bondora returns with the Bondora portfolio manager). Meanwhile they are happy to take card payments and pay commission for referrals. I imagine that a lot of people borrow on their credit cards to lend, and for some reason, nobody has written articles about what a scam the whole thing has become after a promising start before the firm tried to expand very quickly into new lending markets like Spain and relied more and more on equity finance companies to buy them out.

http://p2pindependentforum.com/thread/4853/invest-bondora has dozens of Bondora trading reviews from people who have lost money on the site, but for some reason there are no search results saying the same thing from newspapers and website claims look impossible to justify. There is another thread for the technically-minded showing just results: None of the technically-minded people look pleased.
http://p2pindependentforum.com/thread/4340/general-bondora-statistics

I don't see ads from Bondora so I can't forward them to the UK advertising standards authority - they do a lot of web and PR stuff and those Trustpilot reviews you can get done, but I'm surprised that it isn't sombody's job in some country to get the claims changed or just stop Bondora taking-on new loans. There are loads of very good euro P2P lending sites that loose trust because of their neighbour.

If you would like to nominate Bondora and their equity finance backers (who don't invest in the loans themselves I think) for the Fintech awards, please add a note saying "not seriously".

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