RAR less than platform RAR from a spread of loans across all grades, but skewed to the better grades. Have only been going a few months and hoping that it will increase. But just had a write-off so RAR will be going down. Remaining amount written off a month after first/last payment. Not sure what that says about the borrower; Harmoney's assessment of the borrower; Harmoney's process of attempting to recover the money from the borrower.
It does seem to be consistent with my fear that Harmoney don't have any great incentive to try particularly hard to recover the loans in default.