Re: Recovery program beginning in January for PB Mining customers.
Might try bitcoin lending at BTCJam next, but then who's to say they're any better. 
Now that people are finally beginning to wake up to the reality of cloudmining, perhaps I should focus my attention on the next looming disaster: lending bitcoins. Here is what I wrote in another thread:
Lending bitcoins is generally an even worse idea than (cloud) mining. Its hard to see why a legitimate borrower would want to borrow bitcoins, considering its volatility. Most investments and costs are still fiat denominated, so the exchange risk is enormous for a borrower, he might see his debt double or triple in mere months. The sad reality is that most of these borrowers will end up using the BTC for (cloudmining) ponzi's and will default on their loans when said ponzi collapses, for gambling (same thing, you might as well gamble yourself), as a way to short sell bitcoin (probably resulting in a default if BTC price goes up significantly) or plain old scamming the lenders by taking out ever bigger loans, increasing their credibility rating each time, until one day, they run. Cloudmining is usually a bad idea, lending out BTC an even worse one.
As for 'investing'; there is pretty much nothing you should even consider investing BTC in. Out of 100's or 1000's of IPO and scheme's Ive seen over the years, I can name precisely ONE that actually returned substantially more to its investors than it collected (asicminer). There are plenty of BTC related companies I would like to be able to invest in (bitpay to name just one), but none of them raise capital through BTC, for the same reasons explained above.
In the end, bitcoin itself is your investment. Dont try to 'grow' it, you dont do that with an investment in gold or silver either. Put it in a cold wallet and hang on to it. Thats the only truly sensible thing you can do with it, besides using it for buying stuff.
I thought about taking a loan to get a truck for my business, but then decided against it and vowed not to lend money either when breaking it down. if the price of bitcoin stays the same, everyone would be happy. If the price goes down I could get the truck for much less than taking out an auto loan, and that would work for me, but not that great for the lender. If the price goes up there is no way I could pay the loan off, and I'm not enough of an asshole to run with the debt, so I didn't even look.
And that boils down to why it's dumb to lend bitcoins. If the price goes down you get back your worthless coins, if the price goes up you are probably fucked because if someone actually needs the loan they aren't going to be able to pay you back if there is a spike.