zappa

Registration Date: 21-04-2018 Date of Birth: Not Specified Local Time: 14-05-2021 at 08:12 AM Status: Offline

zappa's Forum Info Joined: 21-04-2018 Last Visit: 03-07-2020, 10:28 AM Total Posts: 622 (0.56 posts per day | 3.45 percent of total posts) (Find All Posts) Total Threads: 47 (0.04 threads per day | 5.04 percent of total threads) (Find All Threads) Time Spent Online: 5 Months, 2 Weeks, 4 Days Members Referred: 0 Total Likes Received: 671 (0.6 per day | 7.22 percent of total 9292) (Find All Threads Liked For — Find All Posts Liked For) Total Likes Given: 494 (0.44 per day | 5.31 percent of total 9295) (Find All Liked Threads — Find All Liked Posts) Additional Info About zappa Platforms: Ablrate BridgeCrowd Collateral Lendy Funding Secure MoneyThing Please select the group that best describes you: P2P Investor & Observers Sex: Undisclosed zappa's Signature pfka new2p2p    zappa's awards. 27-08-2018 at 04:01 PM Tested Frank 2.0 There was no reason specified. zappa's Most Liked Post Post Subject Numbers of Likes RE: Statistics 12 Thread Subject Forum Name Statistics Discussion (Funding Secure) Post Message Talking of stats ... Part of the FCA recent announcement on Policy Change will impact the way platforms define Defaulted loans or not.  The FCA have amended its' mandated COBS definition of defaults as follows: (3) (in relation to an operator of an electronic system in relation to lending) an event where:   (a) in respect of a P2P agreement that is not secured on property, the borrower is past the contractual   payment due date by more than 90 days; or   (b) in respect of a P2P agreement that is secured on property, the borrower is past the contractual   payment due date by more than 180 days.  The impact on FS will be quite marked.  Whereas before they have (wrongly, IMO) decided they'd adopt a taxation guidance note and wouldn't declare a loan as defaulted if they thought there was a good chance of it coming good, there is now something a whole lot more rigid, which I don't think they'll be able to avoid?  The new FCA Policy has to be adopted no later 9th of December.  So how would the stats compare if it were that day tomorrow? The data: [Image: https://i.imgur.com/LrQlJOe.png] Charts by loan numbers: [Image: https://i.imgur.com/SkmV9zQ.png] Charts by loan values [Image: https://i.imgur.com/H22W09V.png]