Good luck getting money out of RateSetter. I've been waiting since July and have a complaint in with the FOS over the new 1.25% transfer fee.
I have been a bit relaxed and not followed whats happening. Going back 3-4 years ago I had 30k in Lendy (saving stream) Got that out just in time. Just requested withdrawal of 5k split from Zopa and Ratesetter.
And still have £300 in money thing default loan been dragging on for 12 months.