When you invest, the funds are ‘committed’ to a loan. Your funds do not leave your account until the loan starts or commences and is held in our client account which is protected under the Financial Services Compensation Scheme (FSCS).
If a loan does not go ahead for any reason, it is shown as repaid in your investment stack online, however it will not show on your statements as the funds have never left your account. In these cases, your available balance is simply updated ready for you to invest elsewhere.
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