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First of all what are cookies ? These are small text files containing a small piece of data. This may be a real piece of information such as name=easteregg or a pointer to something held within a database such as id=123456789 which is meaningless unless you can cross reference the source.
So lets look at the P2P companies in the UK, and see what they have done.
Zopa has a comprehensive statement on cookies and how to delete them clearly linked from the home page, and this document explains what each cookie does. I wasn't prompted with anything asking for my consent. Marks 4/5.
Funding Circle has a statement on cookies in their terms and conditions and this is now clearly linked from the home page. This document explains what each cookie does and how to delete them. Marks 4/5.
RateSetter also has a statement on cookies and how to delete them clearly linked from the home page, but does not explain what each cookie does. Marks 3/5.
For the other companies ThinCats and YES-secure there were no obvious references to cookies. Marks 0/5.