Zopa the future laughing my F***** arse off as they say. Typical wishfull thinking from lefty Guardian writer shocker.....nice idea and check out their website but going to fund mortgages, er, no just a few vaguely socislist metropolitans Tuscany holiday for the kudos value. Shit, the co-op bank has been around for years, advertsing loads during the credit crunch and great 'left' credentials....it has an almost innsignicant share of the current account market. No siree, like it or not the big bag banks will be financing the majority of our credit and supplying us with financial services for the forseeable future.