Too many outstanding payments and chargebacks. No/ very little information on how to deal with Wowwo and other defaulting lenders. Lower interest rates than other platforms. I've been with mintos for years and everything used to work fine. Loans were paid back in time, so that one could estimate what money will be available again and when. In the meantime, over 75% of the loans are clearly too late and some are being recovered.

So if you are diversified across 1,000 loans at Mintos and all have a buyback guarantee from one loan originator, is it reasonable to view it as an investment in ONE single company, from the risk perspective? (the loan originator)