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Mel

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Review of the Kuflink, P2P Property Lending:

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Kuflink have abruptly change their T & Cs!

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! Reviewed on: 25th October 2025

Review of the CrowdProperty, Peer to Business Lending:

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CrowdProperty Lost My Children's Inheritance!

I am a dedicated wife and a mother of two teenage sons, working previously in the finance industry. I decided to invest my pension into CrowdProperty's peer-to-peer lending opportunities because they advertised the platform as a safe and secure home for investments, with asset-backed investments. I spread our funds across 41 loans to diversify and minimise risks. What a grave mistake my decision to invest via Crowdproperty turned out to be. The overwhelming majority of these loans have defaulted, most overdue for more than 24 months! It has left us in financial ruin. Capital losses are gigantic, losing up to 85% of one's capital on investments. CrowdProperty's 'Recoveries Team' is a complete farce, hands down the most incompetent in the UK's P2P landscape, with no real action or accountability. They twiddle their thumbs and sit on their hands, incapable to getting funds returned from borrowers. The updates about loans in default from Crowdproperty are vague and almost non-existent, with investors fobbed off with a few words once every several months. The previous CEO, Mike Bristow, was a master blagger and misled everyone. He ran Crowdproperty into the ground and led to it having THE WORST RATINGS AND REVIEWS OF ANY P-2-P LENDING PLATFORM IN THE UK, hence got booted out of his job by his Crowdproperty colleagues, but the new CEO is even worse if that was possible. It's evident Crowdproperty have all but deserted their retail investors like me, funneling their efforts toward getting funds from institutional investors instead. To any potential institutional lender reading this: do not give your money to CrowdProperty. They've betrayed hundreds of retail investors, and you'll face the same fate, total loss of your investments! The emotional toll is indescribable. My life savings have vanished, and along with them, the inheritance I intended for my children. I am consumed by guilt and despair, feeling utterly terrible for failing to protect what mattered most. This company has destroyed lives; please, learn from me and my family's heartbreak and stay away. Reviewed on: 17th August 2025

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