Harmoney

[icyfire]

I'm not playing, I'm investing!

Some of what you come up with is just not thought through enough for me to be bothered to address/argue. Sorry...not playing...

I'm not sure you understood what I meant by saying "Play the ball, not the player". It's a saying when playing soccer. What I meant is: argue your point but don't go on a personal attack.

[myles]

I'm not sure you understood what I meant by saying "Play the ball, not the player". It's a saying when playing soccer. What I meant is: argue your point but don't go on a personal attack.

Understood perfectly. Seriously? My comment was an observation...

[icyfire]

Understood perfectly. Seriously? My comment was an observation...

Yes, seriously. Perhaps you are used to making personal attacks on social media , however, this is not the appropriate forum for it.

[myles]

Yes, seriously. Perhaps you are used to making personal attacks on social media , however, this is not the appropriate forum for it.

The appropriate thing to do is to report the post if you have an issue with it...I don't do social media

[Investor]

ASB made $1,000,000,000 last year. You really think banks like them offer a better deal?! At least P2P is transparent and they don't create money.

This is one of the more short-sighted statements posted in this topic as of late. ASB offer far more than just unsecured lending.

[Saamee]

This is one of the more short-sighted statements posted in this topic as of late. ASB offer far more than just unsecured lending.

Surely Everyone is entitled to "Their Own Opinion" and be able to Voice it here.....

We are all different, all hold differing views and also have different levels of experience - Never forget that!

I'm getting fed up reading the 'Sarky Comments' here


PS: Yes I could go away.... If everyone else does the same... What's left!

Maybe the Mods here should start to Moderate using the same rules enforced over a Whale Oil???

[joker]

Surely Everyone is entitled to "Their Own Opinion" and be able to Voice it here.....

We are all different, all hold differing views and also have different levels of experience - Never forget that!

I'm getting fed up reading the 'Sarky Comments' here


PS: Yes I could go away.... If everyone else does the same... What's left!

Maybe the Mods here should start to Moderate using the same rules enforced over a Whale Oil???

Yes, I'm with Saamee on this one. I'm looking for constructive info and experience from other users - not wanting to read their tiffs.

If you want to get personal, please do it thru the personal messaging facility - leave the rest of us out of it.

[RMJH]

This is one of the more short-sighted statements posted in this topic as of late. ASB offer far more than just unsecured lending.

The point is they are very highly profitable by world banking standards. If you are happy with this status quo then all good. I wonder how many customers they have? Heck of a lot of net profit per customers no doubt....

[Investor]

Yes, I'm with Saamee on this one. I'm looking for constructive info and experience from other users - not wanting to read their tiffs.

If you want to get personal, please do it thru the personal messaging facility - leave the rest of us out of it.

The problem is that generalizations are being continually posted.

Edit:

If someone posts an extremely 'wide' statement which represents false or misleading information, you should expect people to respond to it. I am not here to argue.

[myles]

I'd never looked hard enough at LC and Squirrel to find their Borrower Platform/Establishment fees - somewhat more 'hidden' than Harmoney's - if it does go south with the Courts all P2P lenders will be affected:

Squirrel:

"Borrowers are required to pay an Establishment Fee deducted from the initial advance of the Loan in the amount of NZ$250 for unsecured Loans and NZ$500 for secured Loans."

Lending Crowd:

Amount	Platform fee
$2,000 - $5,000	$250
$5,000 - $15,000	$350
$15,000 - $50,000	$450
$50,000 - $100,000	$950
$100,000 - $200,000	$1450

It would be particularly bad for LC's bigger loans!