I am a mother of two sons residing in Newcastle. I placed my family’s life savings across different fixed period Auto‑Invest schemes with Kuflink. I... I am a mother of two sons residing in Newcastle. I placed my family’s life savings across different fixed period Auto‑Invest schemes with Kuflink. I did so on the basis of receiving guaranteed interest returns after the multi-year period had ended, just like one gets with a bank savings bond. Kuflink have suddenly enacted a series of abrupt, investor‑damaging T&C changes that have, for instance, effectively imprisoned nearly half of my funds in loans that are non-performing, in eternal default and highly toxic. Kuflink have enacted these changes to apply RETROSPECTIVELY! I am incredibly concerned for my Kuflink investments because all the signs point to a deliberate wind‑down of Kuflink's business, kicking retail lenders to the curb. When one of my Auto‑Invest investments matured a few days ago, Kuflink paid only about 55% of the capital and interest owed! Endless requests for explanation and resolution have gone unanswered. The departure of the previous Kuflink management, including around 25 other staff, and replacement with a new team has resulted in a new set-up at Kuflink. The new workers at Kuflink are highly disdainful of investors and uninterested in protecting lenders’ interests. In the last few weeks, different industry experts in British peer‑to‑peer investing have openly expressed astonishment at Kuflink’s sudden change of T&Cs and how they are treating their investors. I join the many online reviewers on the P2P Independent Forum, on Trustpilot and elsewhere who are appalled by the cumulative effect of recent policy changes on ordinary lenders. I find myself standing on the same sinking ship called HMS Kuflink as many other investors. As Kuflink are determined to take advantage of their retail lender base and throw their rights out of the window, and they do not bother to reply to e-mails and the like, I will be commencing legal proceedings to recover what is owed to my family and I. Prospective investors should avoid Kuflink like COVID-19, as they will be severely let down. Time to bail out! Read more Read less

Communication is largely good, but the website is still quite clunky (no option to temporarily 'reserve' loan parts (e.g. like a concert - 10 mins... Communication is largely good, but the website is still quite clunky (no option to temporarily 'reserve' loan parts (e.g. like a concert - 10 mins to complete payment before they are released), have to click into each loan to see updates). Borrowers frequently extend, but that is the nature of the product. App is even worse than the website - constantly logs me out, single sign on doesn't work with iphone, have given up and use their website. Returns however are very good and IFISA process was efficient so will continue to use them Read more Read less