jrr, if you've read the lobby, you've seen my recent treatment by Prosper.
This is no longer peer to peer lending; it's unsecured lending to strangers over the internet through a company that will do absolutely nothing to protect you, enforce your rights, or otherwise do anything other than try to get your money in the door to repay ITS investors (not your loans).
Others have posted about Prosper's latest position that if it collects after the payoff date of the note, that's Prosper's money, not yours.
I'm no longer investing, and nothing would entice me to invest through this company again. Like Moth and many others, I'm watching Prosper do nothing to collect on my delinquent notes, and waiting for the end of the class action.