Creating A Funding Circle Account
I have just created a Funding Circle account, as I want to see how other peer-to-peer lending sites work.
As a Zopa user for many years, I could be considered biased, but although I got registered quickly, there are some things I liked and didn’t.
E-Mail Address Based Account
All accounts, should be based on e-mail addresses. They are in Funding Circle.
Passwords
Because of my gammy left hand, I don’t like passwords where case is important, as I often get it wrong, when I use the shift key. Funding Circle insists on at least one Capital letter and one number.
At least though they didn’t use the dreaded Captcha system beloved of so many sites.
Check Questions
They did have, who was my best friend at school as a check question. This is a question, that I don’t really have an answer to, because I had a bad time at school with personal relationships.
Addresses
Because I’ve only been at my current address for less than two years, I was asked to enter my previous address. I made a mistake and ended up with the wrong address in my profile. I was able to change it easily to the correct one.
Debit Cards
The first investment was by debit card, which brought up the dreaded Verified-by-Visa system. I would prefer to use a Direct Debit or a Bank Transfer. Especially as fake Verified-by-Visa e-mails are being used by fraudsters.
But I did successfully register my account and transfer £1,000 into the account.
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