Cannot see the point of selling at this level. Much greater things to come. They are at a Conference this week and currently cannot buy any stock so looks like this is only the beginning of the rise.
High APRs are due to risk and the fact that a lot of people cannot get loans from a Bank due to credit history. Suggest you have a read of the Hardman report
Not sure why everyone is saying this is a P&D unless you didn't buy at the bottom. They raised cash at 2.25p and people were happy to pay that. Current price is 1.45p so good value. This is a company that is embracing the digital age and could easily be multiples of it's current valuation.