As far as delinquent borrowers go,
"Here?s the really clever bit. An individual lender doesn't lend to an individual borrower because that?s too risky. Instead a lender lends their money across at least fifty Zopa borrowers, and similarly a borrower borrows from a group of Zopa lenders. So the risk is well and truly spread."
Great idea: I'd rather lose 1% of my return than be the 1 person in 100 that doesn't recover ANYTHING.
