Comunicado de Wisefund

Recuerdo del primer mensaje :

Lo dicho.

Creo que es la que mejor esta gestionando la crisis al menos a nivel informativo

Dear Investor, We live in an unprecedented time in our history. The COVID-19 pandemic is having an impact on the health of our loved ones, the businesses we rely upon, the health of the global economy, and the way we live our daily lives. As we all continue to navigate through these unique and evolving challenges, we want you to know that Wisefund is here for you and what we hope and trust the most, you are here for us and businesses we all together support. With this update we're calling on people like you across the financial ecosystem to come together to help the most vulnerable during this crisis. We all need to support our employees and our families. We must jointly look for ways to help businesses that create the ecosystem around us navigate the uncertainties. Governments are showing support, sports stars are donating for local support, many today are stepping up to help, because no one business can do it alone. Crowdfunding is not an exception, we are part of a larger business ecosystem. [size=34]Coming together as a community supporting businesses [/size] Lately, we launched a campaign and information about that was published on news portals FintechBaltic | EU-Startups | Fintechnews We’ve already received first applications and look forward to presenting them one-by-one to you once our review team goes through necessary analysis and checks. What we’re doing is: taking priority review, taking no commission on review, offering lower commissions for successfully funded applications, listing as project for support with additional marketing and promotion on the projects, loan for 18 months at a fixed rate 10-13%, no fee early repayment option. The main incentive here is to filter out businesses that in other conditions were working flawlessly and being a good part of the economy, and now are going to struggle, but have a clear path to recovery with bridge financial support. Lenders will be offered the following: fixed rates of return 10-13%, full transparency of the business, security in the form of commercial pledges, mortgages, personal guarantees (depending on each case), and, most importantly, possibility to support our own economy, support SMEs who are the heart of what we do (activity based businesses), where we spend time (places, restaurants, leisure spots), what we use (utility stores, apps, family owned businesses) etc. We will be assessing how the businesses were operating prior to the current crisis and evaluating the strength of the supply chains and the time in business prior to the current crisis to understand how inherently robust the applying business is and how quickly it can revert to "Business as Usual" status once restrictions are lifted.   Currently, we’re not asking to throw funds in and wait for lucrative interest earnings. Instead, firstly take care of your savings and keep what you need in case crisis reaches you as well. But if you have something to spare, wait for the offers to come, and see which business you are ready to support. Because in addition to earned interest you earn much more as this is a time of mutual support. We kindly ask you to share any of the above linked articles with your friends, co-workers, social friends etc. – maybe someone’s there owning a business in trouble, and they should know where to reach out to! [size=34]Open opportunities you might be interested in [/size] Currently, there are still two open loan offers available to fund. Both are Estonian businesses, one involved in trading and other one looking to develop a local brand. Support Estonian business and future of perspective brand development - mere € 52 144 remain available for investment with an annual interest of 17.5%. Secured by commercial pledge, controlling share in the business and personal guarantees it's a nice investment offering regular monthly returns. Another Estonian business supported already by 207 investors - 51% of its funding target is met, offering an annual interest of 17.8% with constant monthly repayments.  Only 15 days have left until the funding deadline. We encourage you to support the borrower in reaching the target amount within the set target funding time. Browse open listings [size=34]Delayed loan repayment [/size] As some of you have seen, there’s been a case of first delay of the loan repayment, and as we can see it does not come as a surprise among investors. Currently, a borrower has missed the last payment in the schedule, including interest repayment and full principal amount repayment of 125 000 EUR. Though, it comes at a time when many of you are afraid of losing your investments, let us highlight things from the collection process. Our processes of approaching the borrower and imposing requests to fulfill contractual obligations stays unchanged. There are no laws or restrictions that may restrict us from turning towards the borrower with further claims as per our procedures. We do hope the delay is not going to last long, and these are short term difficulties for the borrower that until now has paid all payments timely and in good manner. For your information, regarding the state of emergency Estonian government has declared, imposed restrictions on movement of people and on businesses (mostly retail, travel and leisure): there are no restrictions on creditors filing for debtor insolvency. There have been talks of forcing banks to grant payment leaves, etc. but nothing has been imposed yet. The situation develops by the hour so we will keep you updated if any creditor rights are curbed. Until then, we are moving forward with debt recovery process as per internal procedures. You can follow updates on the project page visible to those invested in the project. As Wisefund is an Estonian crowdfunding platform, and all agreements are regulated by Estonian law, you can follow COVID-19 development in Estonia on this site (updated daily with official data) https://koroonakaart.ee/en [size=34]Update on expected late interest payments [/size] With regret we have to admit there may to be other delays from borrowers which businesses gets impacted during this time. All project pages will be updated with status updates before the interest payment date, especially those missing repayments. Please follow those updates closely. We will try to provide as much information as possible and overloading our inbox will not get more answers than the update page. Some might be concerned borrowing businesses begin reflecting on force majeure events as impact on their business and thus an excuse for delay in the payment. Yes, this is possible, but force majeure is also regulated by law, and it is not so simple to evade away from obligations. Even in extremes, when force majeure ends, the monetary obligations are still due and enforceable in most cases. To quote law firm Sorainen in their publication:  Force majeure. The declaration of emergency does not imply that circumstances of force majeure will automatically apply. The emergency must impact performance of a specific obligation or contract. Thus, if the coronavirus outbreak causes non-performance, it could be regarded as force majeure so that non-performance of the contract would be excused, and the liability of the obligor lifted (except for monetary obligations). Estonian law regards force majeure as a situation and circumstances which are beyond the control of the obligor and could not reasonably have been expected, taken into account, avoided or overcome. The general existence of a force majeure situation is not enough, but the event must impact the performance of a specific obligation or contract. Thus, if the coronavirus outbreak causes non-performance, it could be regarded as force majeure and thus non-performance of the contract would be excused and the liability of the obligor removed. If the obligation is monetary (e.g. payment of a sum of money), the situation requires more detailed analysis. Under Estonian law, the obligee may require performance of the obligation to pay the money regardless of force majeure. However, if force majeure prevents the other party from performing the obligation for which the payment is due, the party obligated to pay is entitled to withhold the payment. This means, in case of force majeure events (and pandemics and emergency state can be one of those) all cases of delays or inability to perform under contract have to be viewed case by case, and borrower has to provide information how the coronavirus outbreak causes non-performance. If a business will be able to prove force majeure, it will be hard to compensate accrued interest on delayed payments. In other cases you may expect compensation of each day of the delay. [size=34]Project closed and fully repaid [/size] One of the projects though got repaid month and a half ahead of its time. All investors received full repayment with outstanding interest accrued.  All withdraw requests were processed immediately. Also, thank you to those who opted in to reinvest and support open loan offers. We are happy to see there’s trust from our customers even in these uncertain times. How else can we help? We want to stress out the above-mentioned sharing of the articles where Wisefund support incentive is presented. Please spare some time to share, and we hope to see you among supporters as well. We know lenders/investors and businesses of all sizes are under stress and that some of you are facing significant hardship. We are working to keep with the changing situation and be your partner of choice for a long term, find new ways to meet your expectations and will draw on our resources to make a difference for you and for businesses.

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Pues, en la ficha de cada proyecto, todo sigue igual...No se refleja calendario de pagos modificado.
La última actualización es a 31 de Marzo donde en algunos dicen que todo OK y en otros pues que ha haido retrasos en los intereses a pagar en esa fecha

En mi DASHBOARD, en el calendario previsto de pagos futuros, siguen apareciendo fechas pasadas y el importe que debí haber cobrado de algunos proyectos...

Supongo que, para estos proyectos es que aún no han alcanzado calendario de pagos. Pero vamos, que ya podían, en la ficha de cada proyecto, actualizar un poco el asunto...

Debemos confiar en que los están negociando o empezar a preocuparnos? Alguien ha contactado con Atencion al Cliente de Wisefund?

Bueno han tardado un mes en contestar, pero lo han hecho

Básicamente lo que dicen es que a finales de JULIO empezaremos a cobrar o bien ellos ejecutaran las acciones oportunas para cobrar.

The current payment plan is to start receiving payments from borrowers before the end of July so that we can stick to the schedule on your profile.
We're expecting to receive and publish updates for investors regarding struggles, recovery plans, further projections of repayment capacity till the end of this month. If these obligations for update provision will not be met, we will cancel the relief period and request immediate payment. If those are met, and update is sufficient, well-grounded, and shows the borrower has a clear picture of dealing with their obligations, the freeze period will be kept till the end of July as scheduled and we'll stick to the schedule.
Currently, some projects are getting updates already, and we're sending updates to everybody invested immediately. As well as adding them to blog and project pages.
Best regards,
Wisefund Support

Bueno, entiendo que, poco a poco, irán actualizando los cronogramas de las oportunidades, para poder hacer un seguimiento de las mismas...

Ahora es imposible. Los cronogramas siguen siendo los originales, computan pagos qe ni se han hecho...y así es imposible tener la más mínima idea de como están.

En fin, poco a poco vamos volviendo a la normalidad....espero que nos de tiempo a prepararnos para el otoño, por si acaso, toca otro palo más....

Dia de pago de dividendos, 

La buena noticia es que hay un segundo proyecto que ha empezado a pagar, la mala noticia es que solo hay dos proyectos que pagan intereses de momento.

en el resto, suele estar un comentario como este, no me importa la carencia de un par de meses mas , siempre y cuando esto tire "pa lante"

July 31, 2020
Payments are delayed. Further information will follow in updates


Sin embargo no es bueno para el negocio este retraso, por que los nuevos proyectos no se estan financiando.

Pues normal...si la peña va a invertir y ve que casi ningún proyecto paga nada a estas alturas...pues te esperas...y si encima pasan de actualizar los calendarios de pagos en la web pues ni te planteas invertir poquito.

Ayer ordene el retiro de los intereses y hoy ya lo tengo en mi cuenta bancaria... El problema es el resto de proyectos que no han pagado intereses... Y con apenas información de lo que pasa... Muy poco transparentes

DGC escribió:

Ayer ordene el retiro de los intereses y hoy ya lo tengo en mi cuenta bancaria... El problema es el resto de proyectos que no han pagado intereses... Y con apenas información de lo que pasa... Muy poco transparentes

mi banco, es mas listo, se ha guardado 70 horas los 8 euros cobrados....  por el fin de semana.

Hola, alguien ha recibido alguna respuesta de Wisefund de cuando se sabrá por el estado de los proyectos retrasados? o en definitiva que pasa con nuestro dinero invertido??

Porque esta ocurriendo lo mismo que en otras plataformas que han quebrado y no veo que haya comentarios de preocupación en los Foros, que pasa con wisefund?? es también una estafa??

Admin escribió:

DGC escribió:

Ayer ordene el retiro de los intereses y hoy ya lo tengo en mi cuenta bancaria... El problema es el resto de proyectos que no han pagado intereses... Y con apenas información de lo que pasa... Muy poco transparentes

mi banco, es mas listo, se ha guardado 70 horas los 8 euros cobrados....  por el fin de semana.

Pues no se yo, porque en el BCE le cobran intereses por el dinero que depositan cada noche en las cuentas, de hecho en Alemania algunos bancos ya te cobran intereses por el saldo en cuenta.

DGC escribió:

Hola, alguien ha recibido alguna respuesta de Wisefund de cuando se sabrá por el estado de los proyectos retrasados? o en definitiva que pasa con nuestro dinero invertido??

Porque esta ocurriendo lo mismo que en otras plataformas que han quebrado y no veo que haya comentarios de preocupación en los Foros, que pasa con wisefund?? es también una estafa??

Pues cero noticias!!!!

No sé cuál es el plan de esta peña...pero seguir en el negocio pinta que no...Han cancelado los proyectos que tenían para financiar...

La gente ya no confía en ellos así que no les veo futuro alguno. Pinta que han arrojado la toalla...Ni actualizan los proyectos, ni informan de nada....

Solo queda esperar que los que tienen el dinero prestado no se den cuenta y tengan intención de devolver los préstamos...Porque si no, ellos también arrojarán la toalla de intentar devolverlos.

Bueno pues he obtenido respuesta a mi pregunta después de unos días. Usar el traductor de Google si es necesario..tocara esperar a ver que pasa con los proyectos retrasados, sin saber realmente si es verdad que están retrasados...la sensación es que hay muy poca transparencia

On Tue, 25 Aug at 3:45 PM , XXXXXX wrote:
Good afternoon,

 when will information on delayed projects be known? They were supposed to give him 3 months of grace and then they were going to pay, but we continue the same.

Hi XXXXXX,

Unfortunately, delays occur and we're dealing with the situation.
All cases without proper solution on payment from borrowing side will be brought to debt recovery company able to deal with international cases (full-service law firm influential in the practices of international dispute resolution, debt restructuring, debt recovery, and if needed, insolvency procedures), and following debt recovery procedures Wisefund will put as much effort as possible to secure return of the funded loans.
Best regards,
Wisefund Support

En este caso creo son proyectos reales pero están superados por los incumplimientos de contrato de las empresas que eligieron para financiar...

Pues nada, otra que acabará en bancarrota.

Pues hoy me han pagado intereses,  que he retirado esta mañana y al cabo de una hora ya los tenia en mi banco...eso si no todos los proyectos están pagando según el calendario de pagos, hay unos cuantos con retraso.

Si he visto que otro proyecto paga, es una cuestión de paciencia.

Bueno se ha recibido, el correo comunicando que al menos 6 proyectos tienen muy mala pinta.

Vamos a esperar que sean solo estos, he actualizado en los mismos., el resto de momento hay un par que pagan y el de los demas se estan renegociando.

Ayer les escribí a las 13:00 hrs. para preguntarles acerca del proyecto "Operating Cash for Dutch Flower Exporter" y no me han respondido aún. El último update fue el 31 de julio pasado. El asunto es que piden disculpas, pero no aportan ninguna información concreta y han cancelado sus últimos 3 proyectos. Pintan bastos...

Pues sí...la mayoría de las oportunidades que tienen van a acabar en Bancarrota por lo que han dicho....
La cosa es el incumplimiento de contrato porque garantizaban la inversión....Pero claro, ponte a demandarles por, en mi caso, 200€ (o 300€) en cada oportunidad en la que incumplan....

En fin, el crowdlending  era muy bonito hasta que llegó el COVID y una crisis económica de narices...salvo el dinero en una cuenta corriente o en el colchón, el resto a asumir grandes pérdidas....como cualquier autónomo de este país o del resto de Europa...

Pues menos mal que aquí fui cauto y entré con gaseosa, tengo solo 53.26 de los que 2.85 son barbecho

Buenas noches.

¿Alguno ha ordenado últimamente alguna micro retirada de esta plataforma? Yo solicité la retirada de los mini intereses acumulados durante diciembre y enero el 1 de febrero y aún está en estado pendiente.

Curiosamente, tampoco aparecen los movimientos de pago de intereses que hubo a finales de enero. Imagino que estarán relacionados ambas cosas...

De todas formas, esta plataforma la considero prácticamente muerta...

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28.01.2021	Withdraw - Pending			- €2.47

Pues tienes razon , ni me acordaba , al ser de tan bajo importe no la habia seguido.

otra mala señal, se están cerrando como las tortugas...

Si es que tampoco aparecen los movimientos de pago de intereses que hubo en enero....Lógico que tenga la retirada pendiente, si resulta que el dinero que he intentado sacar no lo he recibido....


Pobres los que invirtieron en los últimos dos proyectos que han sacado, porque nosostros pagamos la novatada pero los que han invertidoahora saben de los problemas de la plataforma...

Pues nada....ni me han respondido al mail consultando el motivo del pending de la micro retirada y, de paso, preguntarles si siguen funcionando como Empresa....

Ni mú....habrá alguien por aquí de los que invirtieron en los últimos proyectos?

yo tampoco he tenido respuesta. Y eso que fui políticamente correcto.