John's community profile page - Smart Money People

Write a review

Go to business site

Viewing profile for,

John

Total reviews written

Helpful marks given to their reviews

Times reviews seen

All reviews (4)

Review of the Barclays, Business Banking:

View on product page

I run a hairdressers and we have been using Barclays...

I run a hairdressers and we have been using Barclays business banking for eight years. Customer service is generally alright, though on has to wait a long time on the telephone when ringing in. Fees are reasonable. Reviewed on: 6th February 2026

Review of the Kuflink, P2P Property Lending:

View on product page

Kuflink has gone done the pan. Do not invest!

Kuflink has gone from a company I once trusted to one I actively warn people away from. They unliterally and retrospectively changed their terms and conditions without any consideration for existing investors. Following an audit by the FCA, they dug up a lot of skeleton's in Kuflink's closet and now Kuflink are now prohibited from onboarding new customers as well as other significant operating restrictions. See the warnings on the FCA website and elsewhere. The regulatory issues alone should be a massive red flag! Actually getting access to your own funds is an exercise in frustration. Standard withdrawals drag on for well over a month if an ISA, despite customer service insisting it takes less time. I have personally been waiting over four weeks for my money, with nothing but vague reassurances and zero action despite repeated follow-ups. The promises mean nothing. Trying to sell investments on the secondary market is equally nightmarish. Kuflink takes approximately two weeks merely to review your sale request. This is your own investment portfolio, yet you are forced to wait weeks for them to process basic transactions. Want to transfer your ISA elsewhere? Expect that to take over a month. I am withdrawing everything I can from Kuflink as it becomes available, but the obstacles they place in your path are extraordinary. The combination of withdrawal delays, secondary market friction, and broken promises has completely destroyed any confidence I once had. What was once a solid platform has become utterly dysfunctional. I cannot in good conscience recommend Kuflink to anyone anymore. Stay well away. Reviewed on: 6th February 2026

Review of the CrowdProperty, Peer to Business Lending:

View on product page

Don't invest with Crowdproperty: gargantuan losses!

I've been investing with Crowdproperty in my ISA for five years and the experience has been tremendously disappointing. I currently have money tied up in 124 active projects, and the situation is frankly appalling: only 16 of those 124 projects are actually on schedule. That means 108 projects are in default, many by years. Some of the loans that were supposed to mature back in 2021 are still outstanding! We're now in 2026. That's five years of my capital being locked away with no access to it whatsoever. The returns I was promised have simply not materialised, and my money remains trapped in project after project that drags on indefinitely. What makes this even worse is that Crowdproperty appears to deliberately extend these loans, often for many years beyond the original term. This allows them and their recovery partners to rack up substantial fees for supposedly 'recovering' the loans. Meanwhile, investors like myself see nothing but endless delays whilst others profit from the extensions. Yes, Crowdproperty does seem to be working on completing some of these overdue projects eventually, but the track record speaks for itself: 108 out of 124 projects overdue is utterly unacceptable. Don't be seduced by the advertised returns of 8% or more. In reality, you will not see those returns, and your money will be locked away for an indeterminate period, possibly years longer than you were told. You will also painfully lose a very large ratio of your principal, because, of the few loans that do eventually pay back, it is not uncommon for you to only receive 25%-66% of what you invested. No interest of course. I'm now withdrawing whatever funds I can access as soon as they become available, but given how few projects are actually completing, that's proving to be a painfully slow process. Based on my experience, I would strongly urge anyone considering Crowdproperty to look elsewhere. The gap between what they promise and what they deliver is enormous! Reviewed on: 6th February 2026

Review of the CapitalStackers, Peer to Business Lending:

View on product page

Lost a lot of my money to Capitalstackers!

I invested a sizeable portion of my family's life savings with Capitalstackers and it has been an absolute disaster. After several years of holding out hope, I have finally had to accept the grim reality: most of my investments have now been officially written off by Capitalstackers. They have admitted there is no prospect of recovering either the principal or the interest owed to me. The financial damage has been catastrophic. I have lost a colossal ratio of the original principal which I transferred to Capitalstackers. To make matters worse, I have not received any interest on the vast majority of projects I backed. Many of my loans I transferred the money to Capitalstackers over four years ago now even though Capitalstackers stated the loan term was typically 18-24 months. There is no resolution in sight for those not yet written off. Capitalstackers' handling of these defaults has been woefully inadequate. Their approach appears to overwhelmingly favour borrowers at the expense of lenders like myself. They seem to have specialised in funding exceptionally dubious borrowers and fourth-rate development projects that were never viable and were rejected by other lending platforms. When these projects inevitably failed, Capitalstackers showed little serious effort to pursue defaulting borrowers or secure proper compensation for lenders. Instead, they just kept extending loan terms, year after year, while my money remained locked away and rendered worthless. Their statistics page is heavily biased to make Capitalstackers look as good as possible. However, the figures there tell the story clearly: most of their loan book sits in overdue and in long-term default. Millions of pounds have been lost by investors. The warning signs are there for anyone willing to look. My experience has been nothing short of devastating. Years of my life spent waiting patiently, hoping Capitalstackers would turn things around and recover my funds. That patience has been rewarded with official write-offs and massive losses. A significant chunk of my family's life savings has disappeared into the ether and the distress has been unbearable, with Capitalstackers showing no sympathy or support whatsoever. I cannot stress strongly enough how negative my experience has been. If you are considering investing through Capitalstackers, do not do so. Based on my experience, their ability or willingness to protect lenders' interests is virtually non-existent. Reviewed on: 6th February 2026

We are helping 1000s to make smarter financial decisions

We use the power of consumer reviews to help increase trust and transparency in financial services and to deliver industry leading insight and events.