Bondster.com レビュー 135

Bondster.com からの回答

2024年9月11日

Hello,
We would like to assure you that we are still in the process of intensive negotiations with loan providers who are in breach of the contractual terms of the platform and are not fulfilling the buyback guarantee. We are taking all necessary steps to satisfy the claims of the affected investors and we regularly publish updates about the development of the situation on the platform’s website https://bondster.com/en/about-investing/providers-in-arrears/?cp_page=1&status=1 .
Despite the current problems affecting certain providers, the Bondster platform offers a number of interesting investment opportunities. Loans secured by real estate provide a higher level of security and attractive returns. You can view the current offer of these loans after logging into your investor account. Should you have any further questions or need more information, feel free to contact our customer support department https://bondster.com/en/about-us/contact/ .

Bondster.com からの回答

2024年9月5日

Hola,

El cumplimiento de la garantía de recompra es, de hecho, responsabilidad del prestamista. Una situación en la que el prestamista incumple los términos del contrato y no respeta esta garantía es muy desafortunada para nosotros, ya que perjudica nuestra reputación. Si se produce una situación de este tipo, perseguimos activamente las reclamaciones resultantes en nombre de los inversores. Utilizamos todos los medios disponibles, desde acuerdos extrajudiciales de reconocimiento de deuda hasta procedimientos legales.

Si prefiere un mayor nivel de seguridad para sus inversiones, nuestra plataforma ofrece una gama de préstamos respaldados por bienes inmuebles. A diferencia de los préstamos no garantizados, el prestatario ofrece un bien inmueble de valor como garantía. En caso de impago del préstamo, esta garantía se liquida y el producto obtenido se utiliza para satisfacer las reclamaciones de los inversores. En menor medida, también hay préstamos garantizados por otros bienes tangibles, como vehículos, representados en la plataforma.

Bondster.com からの回答

2024年8月26日

Guten Tag,
wir möchten Ihnen versichern, dass wir die Forderungen der betroffenen Anleger bei Kreditgebern mit Nachdruck eintreiben, die derzeit mit der Rückkaufgarantie in Verzug sind. Dabei nutzen wir alle zur Verfügung stehenden Möglichkeiten, von außergerichtlichen Vereinbarungen bis hin zu rechtlichen Schritten und gerichtlichen Lösungen. In der Vergangenheit konnten wir zum Beispiel ausstehende Investitionen vom Kreditgeber RapiCredit erfolgreich zurückgewinnen. Die Anleger erhielten das gesamte geschuldete Kapital zurück, einschließlich der Zinsen für den gesamten Zeitraum des Verzugs.

Wenn Sie mehr gesicherte Anlagen bevorzugen, empfehlen wir Ihnen, einen Blick auf das Angebot an Krediten zu werfen, die durch Immobilien oder andere Sachwerte abgesichert sind. Bei einem Ausfall des Kredits wird das Pfand verwertet und die Erlöse zur Befriedigung der Anlegeransprüche verwendet.

Es tut uns leid, dass Sie mit unserer Kommunikation nicht zufrieden waren. Wir haben Ihr Feedback zur Kenntnis genommen und bereits Maßnahmen ergriffen, um die Kommunikation zu beschleunigen.

Bondster.com からの回答

2024年7月26日 に更新

Dear Vico,
Protecting investors on the BONDSTER platform is our top priority. To be able to successfully prevent fraud and unauthorised withdrawals, investors need to prove their identity and confirm the ownership of a bank account. We do this to ensure that the money is paid to the correct beneficiary.
If we do not receive proof of identity and confirmation of account ownership from an investor, withdrawals from their Bondster account are blocked. Once their bank account has been successfully authorised, withdrawals from the Bondster account in question will be resumed. Please contact our customer service who will be happy to assist you in resolving your request.

UPDATE: We have reviewed your email communication with our customer support department and informed you on 15 July 2024 that the documents you had provided had been verified and that all your account functions had been resumed. According to our records, you have already transferred the funds from your Bondster investment account to your personal bank account.

Bondster.com からの回答

2024年7月17日 に更新

Hello,
What you are describing was likely a corrective transaction on an investor account. In the past, a technical error at one of the providers resulted in an incorrect interest payment being accrued due to which some investors were paid more interest than they were entitled to. As soon as we identified the discrepancy, we rectified the situation and debited the incorrectly posted funds from the concerned investors' accounts.

Certain providers offer investors a buyback guarantee and are also responsible for fulfilling that guarantee. If the provider fails to honour the guarantee, BONDSTER steps in and initiates the debt recovery process on behalf of all affected investors by all available means. We keep investors updated about the status of the debt recovery on our website https://bondster.com/cz/o-investovani/poskytovatele-v-prodleni/?cp_page=1&status=1

Bondster.com からの回答

2024年6月4日 に更新

Hello,
The buyback guarantee is given directly by the lender, who is also directly responsible for the performance of the guarantee. If the lender fails to fulfil its obligation, this is a breach of contract. In this case, Bondster will immediately enter into negotiations with the lender and pursue all available means to recover the full principal and interest payments due in the legitimate interest of the investors. As soon as the lender sends funds to settle the investors' claims, the funds are immediately credited to the investors' accounts.
Bondster

Bondster.com からの回答

2024年6月4日 に更新

We greatly value our investors, as they trust us with their funds, and we have a duty (both legal and moral) to ensure the security of these assets. We regularly check transactions in our system for potential fraud and other irregularities. When detected, we investigate the issue using all available means. In very rare cases, when we are unable to resolve the situation to the satisfaction of all parties, we refer the case to AML, Police, or other relevant authorities. This is our policy, we mean it, and in the interest of our clients, we enforce it. You can be assured that we care about this.

For obvious reasons, we cannot discuss specific cases or disclose unproven accusations. In such cases, the disputed assets are frozen untill investigation by the relevant authorities is finished. As soon as we can clarify the suspicion based on the findings of the official investigation, we immediately release the assets. Anyone who may be affected has been contacted by the relevant authority or will be contacted in short time. Upon request by the relevant party (and unless prohibited by specific regulations), we will provide the name and address of the investigating authority and the case number.
Bondster

Bondster.com からの回答

2024年7月1日

Hello,
According to the terms and conditions, Bondster charges a fee of 1% of the amount invested annually for investments in CZK. This fee is calculated daily on the amount currently invested and is charged monthly on the last day of the following month. The fee is also charged throughout the period of active recovery against a lender that has not complied with a buyback guarantee given to investors (note: if the lender has provided such a guarantee for the receivables) and for loans without a buyback guarantee where the recovery process is ongoing. Thus, it may be the case that a fee is charged on the amount invested annually on a defaulted loan until the recovery process is completed (i.e. the full amount owed is paid by the provider or the court proceedings are concluded and a final decision is given).
We object to the false claim that the Bondster platform charges investors extra fees in euros. In the case you mentioned, it was probably a corrective transaction on an investor account. In the past, due to a technical error at one of the providers, an interest payment was booked at an incorrect amount. Some investors were paid more interest than they were entitled to. Upon discovery of this discrepancy, we agreed to correct the situation and the erroneous funds were debited from the investor account.

Bondster.com からの回答

2024年5月17日

Hello,

The buyback guarantee is given directly by the lender and the lender is also responsible for the performance of the guarantee. If the lender fails to fulfil its obligation, this is a breach of contract. In this case, Bondster will immediately enter into negotiations with the lender and pursue all available means to recover the full principal and interest payments due in the legitimate interest of the investors.

If you are recording outstanding redemptions and the recovery process is still ongoing, this does not mean that your investment is lost. If successful, you will recover the principal and interest due. Recently, thanks to intensive negotiations, we were able to recover all the funds owed from, for example, the lender RapiCredit.

To minimize the credit risk of the lender, we recommend all Bondster users to spread their invested funds over many loans from multiple lenders. Broad diversification is also possible thanks to the fact that it is possible to invest in individual loans on Bondster from as little as EUR 5.

Bondster

Bondster.com からの回答

2024年2月20日

Dear Ivan,
It is a loan provider's responsibility to fulfil the buyback guarantee on investments offered on the platform Bondster. In the event the provider fails to meet the obligation of the buyback guarantee, Bondster actively negotiates with the provider to recover any money owed to investors. This process can take some time and therefore delay the process of making buybacks by the provider. To mitigate the risks associated with investing in loans, we recommend users of our platform to diversify their portfolios broadly.
We post new information about loan providers that are currently in arrears with making buybacks on our blog in the Regular Updates on Loan Originators article. If you have other questions related to investing in loans, you can contact us by email at info@bondster.cz.

Bondster.com からの回答

2024年1月4日

Dear Stefano,
We publish new information regarding the development of the situation with Speedcash on our blog in the article Regular updates on loan originators. At the moment, Speedcash is still undergoing restructuring proceedings. Unfortunately, we are unable to influence the speed of the proceedings from our position. As the proceedings are still ongoing and the investment has not formally ended, it is not possible to write it off for tax purposes. Once the investment ends, it will be possible to write it off.

Bondster.com からの回答

2024年1月4日

Dear Gordon and Andrea,
We would like to inform you that RapiCredit made the last outstanding buybacks in October 2023. Thanks to Bondster's long-term negotiations, investors were able to recover the entire principal owed, including interest for the entire period of delay. Investors have been informed about the repayment in the article RapiCredit has repaid all its liabilities to investors on our blog.

Regarding the company Lime, we are working hard to negotiate the best possible conditions for investors. Unfortunately, the loan provider is based in the Russian Federation, which makes communication with it very difficult at the moment (due to the sanctions following the invasion of Russian troops into Ukraine). We publish up-to-date information about this provider on our blog in the article Regular updates on loan originators.

Bondster.com からの回答

2024年1月4日

Dear Night Rider,
Unfortunately, a problem with sending funds to the Czech Republic occurred on DanaRupiah’s part in July 2023. The situation was resolved with the bank, and after receiving payment from the provider, the money was credited to the affected investors' accounts. If you have not received your funds invested in DanaRupiah loans, please contact our customer support. They will be happy to examine your case individually.

All loan investments on Bondster have their respective interest rate indicated in annual terms (p.a.). When calculating the return, it is necessary to take into account the actual holding period of the investment. For example, if a buyback is activated and the investment is repaid early, the return will be lower than the expected amount.