Hi kiwical. I've been investing with Zagga for 4 years among other P2P options (LC was one) with 2-4 investments open at any one time. I've only encountered one default on my investments which was handled very well with prompt notification followed by regular open and transparent updates. All was returned along with full interest in arrears right up to date of final closure. It was also settled pretty much as quickly as the turning of the legal wheels and statutory notices periods etc allow. I've never had any issues with their customer service and various queries I've had either so I rate them pretty highly. Chalk and cheese compared to that other mob...