Absolutely nothing. We work with borrowers to get them back on track with their repayments, and 4 out of 5 borrowers who miss repayments will go on to repay their loan in full.
For the 1 out of 5 who can't pay back, we still actively work to recover your investment and pass on anything we do collect back to you.
On occasion, we may sell on unrecoverable debt to a third party collections agency. Investors with a stake in the loans sold get a share of the proceeds which will vary depending on the price we get for the debt as a whole.