God-Father, The depths to which Prosper is willing to sink never cease to amaze me.
I don't know if you've followed my saga about Prosper failing to file a claim in bankruptcy on one of my notes? In case you haven't, Prosper failed to file a claim. About a year or two after the note went into bk, and nothing had changed, I asked Prosper about the status. The person I contacted did some research and reported that Prosper had not filed a claim, but because the bankrupt borrower was on a five-year schedule to repay 100% of her debts, Prosper would pay the lenders on that extended schedule.
Over the past 15 months, I've had to remind Prosper to pay the note at least half a dozen times. Most recently, JUST THIS MONTH, Prosper told me it wasn't going to pay on the note any more, and I should just file a claim in bankruptcy myself. (How can I do that, when the time to file claims was MISSED BY PROSPER years ago, and when I don't know the borrower's name?)
It took emailing my correspondence with Chris Larsen to Prosper to get Prosper to make this month's payment, and the payment has got to be less than $300/month. I've asked Prosper time and again just to pay this off, but I guess they're hurting enough that they're hoping they won't need to do so. So, I'll continue to watch for my payment on this loan every month, and will continue to email Prosper when it misses payments in the future.
So yes, I unfortunately have to continue dealing with Prosper, and unfortunately its business ethics have not improved one bit.