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FAQs about safety/risks

What if Crowdstacker goes out of business?

In the event that Crowdstacker Limited is unable to trade, the firm has agreed a living will agreement with Resolution Compliance Limited to ensure that the firm is wound down in an orderly manner for both its peer to peer lending, bond, loan notes and equity crowdfunding business. 

Resolution Compliance Limited is authorised and regulated by the Financial Conduct Authority under FRN: 574048. They will then continue to administer the loan as normal and you would continue to receive interest payments until maturity, when your capital will be repaid.

Upon a decision to wind down the business, lenders who have active loans are unlikely to be able to withdraw their investments until borrowers have repaid.

I am finding the website difficult to use and/or information difficult to understand?

At Crowdstacker we want to ensure that you get the service that is right for you. We are at hand to help you understand any of the information on the website and we have many methods such as paper applications and printed brochures that may be easier and more suited to how you digest information.

Please feel free to contact us on 020 7118 7570.

What kind of security does Crowdstacker take?

Extensive due diligence is undertaken on every business. We may take security in the form of a debenture over a company’s assets, or security over specific assets ring-fenced for the benefit of investors.

What happens if a borrower misses a payment?

If a Borrower is late with a payment, Crowdstacker will take steps to collect the funds owed. The procedures for this are outlined in the Lender or Investor T&Cs

Note: If the investment has the benefit of security, the Security Trustee may be instructed to enforce the security on behalf of all investors.

How will Crowdstacker verify the identity of lenders?

During the lender application process, Crowdstacker are required to verify your identity to prevent Money Laundering. We ask you to provide basic details including your full name, address, and date of birth. In almost all cases verification can be done electronically. In certain circumstances, we may ask for further information, and may require a proof of address, proof of identity and bank statement to verify your identity details.

Is lending through Crowdstacker guaranteed by the Financial Services Compensation Scheme (FSCS)?

Your funds will be covered by the Financial Services Compensation Scheme (FSCS) while Crowdstacker holds your money, processes funds, and services your client account. Once your funds are lent to the borrower, the FSCS protection ends and the investment security package takes effect.