aju
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Post by aju on Sept 21, 2019 10:33:27 GMT
Yes I agree but one needs to be very careful here in clicking on the edit pen's and looking at the screen of the current settings without actually making any changes - Clicking the "Edit Order" button will result in immediately applying the unchanged order. Thus moving the order to the back of the queue even though the user didn't make any changes! . Anyone coming here from the old methods may not realise there is not a final "are you sure" screen or worse that there order is at the back of the queue unless they see that the order time has changed on the previous screen - it's too late then though. This for me is just waiting for the unwary to hit the wrong button. I know that "Cancel" sounds the right option but if one has made no changes at all the edit order button should not even be live. Really bad flow design in IMHO and frankly it just one more thing that RS designers are showing how unstructured the changes are. I think that the testers should be made to commit their own money in some of these things it might make them more focused and committed to getting this stuff right. "There's nothing like good QA, and this is nothing like good QA" Edit: Actually having checked again I realise that the CANCEL button is not obviously cancel changes it could even be construed to be Cancel the order!. I'm starting to think I need to be way more careful than I already am. Lets hope P2P design skills fair better in the banking sides when they start. For me this is schoolboy error stuff - I guess they pay peanuts for these people these days. Good structured design costs good money and so it should. Mind you I can still remember how much we used to pay for Oracle consultants and it was way more than we got as the workers but to be honest they weren't that great and certainly weren't very clued into how we we using their products they did take our ideas and the like and then use them themselves so I guess all was not lost there ... Edit2: I have sent a feedback item on this very odd situation and possible implications of users making errors here. Not sure if they will respond back though I'm guessing the so called support is not top of the RS agenda but that seems to be recurring theme among the bigger players I feel.
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Stonk
Stonking
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Post by Stonk on Sept 21, 2019 20:10:38 GMT
Yes I agree but one needs to be very careful here in clicking on the edit pen's and looking at the screen of the current settings without actually making any changes - Clicking the "Edit Order" button will result in immediately applying the unchanged order. Thus moving the order to the back of the queue even though the user didn't make any changes!
Is that definitely true? While I was looking at the new design the same thought struck me and I suspected it might behave as you suggest, but since I can no longer see my position in the queue I couldn't tell.
It would be a matter of utter simplicity for them to disable the button if no real change had been input. Or have the back end silently do nothing if a user "edited" an order without actually changing it (maybe it is already doing this?).
Your comments about good design and QA are spot on. RS's website is a now a paradigm of bad design and bad QA. It feels like they are inflicting on their end users individual changes that are part of a larger whole and which should be held back until the whole is ready to release -- at which point the UI may actually be good again. The recent rash of part-way stages on the journey have been a shoddy mess, and we are doing their QA.
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benaj
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Post by benaj on Sept 21, 2019 20:46:31 GMT
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aju
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Post by aju on Sept 21, 2019 22:03:16 GMT
Yes I agree but one needs to be very careful here in clicking on the edit pen's and looking at the screen of the current settings without actually making any changes - Clicking the "Edit Order" button will result in immediately applying the unchanged order. Thus moving the order to the back of the queue even though the user didn't make any changes!
Is that definitely true? While I was looking at the new design the same thought struck me and I suspected it might behave as you suggest, but since I can no longer see my position in the queue I couldn't tell.
It would be a matter of utter simplicity for them to disable the button if no real change had been input. Or have the back end silently do nothing if a user "edited" an order without actually changing it (maybe it is already doing this?).
Your comments about good design and QA are spot on. RS's website is a now a paradigm of bad design and bad QA. It feels like they are inflicting on their end users individual changes that are part of a larger whole and which should be held back until the whole is ready to release -- at which point the UI may actually be good again. The recent rash of part-way stages on the journey have been a shoddy mess, and we are doing their QA.
It most definitely is true unless they have read my support feedback (Bottom right corner of every page - I think) which according to auto email response I got won't get looked at until maybe wed next week. I had already made a quick change to an order using the new interface and clicked on the button expecting a second accept change screen - thats what happened earlier in the week - and there was none it just changed it straight away and the screen said the order was 3 sec old so I knew it was changed. Then later on I went back and checked what I had set it at and checked the head room of lenders on the order I changed nothing but clicking on the Edit order it reset the start timer showing that it had been pushed back to the start of the queue again. If this was a state I was in and it had been nearer the lend part of the queue I would have been well hacked off. Perhaps we'll see what they have to say next week I guess. One hopes that whoever is playing the RateSetter person this week is watching what we are commenting on.
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Post by carol167 on Sept 24, 2019 10:13:47 GMT
<vent> I'm getting sooooooooo hacked off with all the constant little website interface changes. It's driving me nuts. </vent>
I sit 1k at 6.0% and I like to check how far that is in the Q every morning.
Can I now ? no. Can I find where it's moved to ? no Do I assume that feature has been removed ? probably. Arghhh.
Feedback from RS to my query :- "It was a business decision to remove this function.
However, due to the feedback that has been received since the change, the feature will be reintroduced."
Good.
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Post by Ace on Sept 24, 2019 10:31:17 GMT
Interesting that they took a business decision to hide ones exact place in the queue. Speaks volumes about their long term intentions.
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Post by Deleted on Sept 24, 2019 11:19:53 GMT
<vent> I'm getting sooooooooo hacked off with all the constant little website interface changes. It's driving me nuts. </vent>
I sit 1k at 6.0% and I like to check how far that is in the Q every morning.
Can I now ? no. Can I find where it's moved to ? no Do I assume that feature has been removed ? probably. Arghhh.
Feedback from RS to my query :- "It was a business decision to remove this function.
However, due to the feedback that has been received since the change, the feature will be reintroduced."
Good.
I received the same reply to a similar complaint that I made.
I shall wait and see. Until then I am still withdrawing repayments.
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aju
Member of DD Central
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Post by aju on Sept 24, 2019 17:11:53 GMT
Just got this when logging in not sure if its a new item but Mrs Aju did not get it when she logged in about 15 minutes ago. Not sure I like it that much though!.
I notice ratesetter has been on the forums in the last 2 hours - I did suggest there was a comprehensive thread running here in an email complaint to them so perhaps they thought it might be wise to let people know they were changing things. Might be more useful to let people know what has changed as well. IMHO that is.
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gg
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Post by gg on Sept 25, 2019 7:29:52 GMT
It would seem that RS is going the same way as Zopa.
The ‘business decision’ will have been designed to reduce rates.it appears to be working.
Reducing rates may not be great but if rates are too high, borrower reliability will suffer. I preferred the Zopa A*, A, B, C and Y markets and had most of my money in A*. I still prefer RS but the constant tweaks to what was a perfectly acceptable website are frustrating. I just want to manage MY money.
gg
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Post by propman on Sept 25, 2019 7:45:53 GMT
I believe that the drop in 5 year rates is due to allocating more loans to the rolling market as the overall lending is similar to recently, but the maount taken from the 5 year queue much reduced.
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robski
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Post by robski on Sept 25, 2019 8:50:12 GMT
I believe that the drop in 5 year rates is due to allocating more loans to the rolling market as the overall lending is similar to recently, but the maount taken from the 5 year queue much reduced. Its not really, its down, not massively but its down over last month or so. May(ish) there were some strong weeks which we saw a notable reduction of the backlog that was built up after ISA season, but since July the lowest (bar new year) 2 lending weeks of Sept 18-Sept 19 both took place. I cant be bothered to work out the average lending over this year, but visibly its £15m or probably a smidge over. Two weeks both in the £12.3M range within a few months means there is a load more cash available if there is no change in flows to/from the platform. I think we are seeing that immediate liquidity impact rates, we saw it ISA season, and seeing it now, already the MR dropped to 5.5% and with £2.3M or so at 5.5% anyone wanting to lend fairly quickly will go to 5.4%, it wont be long before 5.4% is the MR I bet, unless there is a significant uptick in lending. How they decide to channel the monies to the markets is unknown, I suspect some is automated and some manual (large amounts manual is my guess as will happen post checking) and as such its possible they will be taking a slightly different approach, and may have tweaked the auto matching ones. But rolling is also matching lower so they cant have switched most there or it would likely be going up and its pretty steadily been coming down.
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aju
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Post by aju on Sept 25, 2019 10:04:19 GMT
Is that definitely true? While I was looking at the new design the same thought struck me and I suspected it might behave as you suggest, but since I can no longer see my position in the queue I couldn't tell.
It would be a matter of utter simplicity for them to disable the button if no real change had been input. Or have the back end silently do nothing if a user "edited" an order without actually changing it (maybe it is already doing this?).
Your comments about good design and QA are spot on. RS's website is a now a paradigm of bad design and bad QA. It feels like they are inflicting on their end users individual changes that are part of a larger whole and which should be held back until the whole is ready to release -- at which point the UI may actually be good again. The recent rash of part-way stages on the journey have been a shoddy mess, and we are doing their QA.
It most definitely is true unless they have read my support feedback (Bottom right corner of every page - I think) which according to auto email response I got won't get looked at until maybe wed next week. I had already made a quick change to an order using the new interface and clicked on the button expecting a second accept change screen - thats what happened earlier in the week - and there was none it just changed it straight away and the screen said the order was 3 sec old so I knew it was changed. Then later on I went back and checked what I had set it at and checked the head room of lenders on the order I changed nothing but clicking on the Edit order it reset the start timer showing that it had been pushed back to the start of the queue again. If this was a state I was in and it had been nearer the lend part of the queue I would have been well hacked off. Perhaps we'll see what they have to say next week I guess. One hopes that whoever is playing the RateSetter person this week is watching what we are commenting on. So I got a response to my support feedback as follows. I guess that's final and we agree to disagree so I then queried the benaj comment regarding the current FAQ's and got this from the same person in CS. As an ex developer/designer of some while back, the last sentence speaks volumes if RS is considering documentation after the fact when in fact it's usually the first part of any changes or designs that should be created even in the Agile Technique I was trained in as well. The design docs always used to lead onto the user documentation but its clear to me they are potentially doing these things on the fly and not in a recognised QA way IMHO of course as always. The recent issues deeper in the bowels of the system maybe the reason for this lack of good QA as well.
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Post by propman on Sept 25, 2019 14:34:50 GMT
I believe that the drop in 5 year rates is due to allocating more loans to the rolling market as the overall lending is similar to recently, but the maount taken from the 5 year queue much reduced. Its not really, its down, not massively but its down over last month or so. May(ish) there were some strong weeks which we saw a notable reduction of the backlog that was built up after ISA season, but since July the lowest (bar new year) 2 lending weeks of Sept 18-Sept 19 both took place. I cant be bothered to work out the average lending over this year, but visibly its £15m or probably a smidge over. Two weeks both in the £12.3M range within a few months means there is a load more cash available if there is no change in flows to/from the platform. I think we are seeing that immediate liquidity impact rates, we saw it ISA season, and seeing it now, already the MR dropped to 5.5% and with £2.3M or so at 5.5% anyone wanting to lend fairly quickly will go to 5.4%, it wont be long before 5.4% is the MR I bet, unless there is a significant uptick in lending. How they decide to channel the monies to the markets is unknown, I suspect some is automated and some manual (large amounts manual is my guess as will happen post checking) and as such its possible they will be taking a slightly different approach, and may have tweaked the auto matching ones. But rolling is also matching lower so they cant have switched most there or it would likely be going up and its pretty steadily been coming down. The unlent MR money dates from w/e 14/9 onwards NOT the low lending weeks. I agree that the lending is not quite as high as some, but is consistent with many recent weeks when some money was lent at 6%. MR has declined from a high of around £20m sometime in the last couple of months (I don't record this) to <£6m and now < amount on 5 yr queue.
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Post by dan1 on Sept 25, 2019 15:56:35 GMT
"We are currently undergoing maintenance."
I can't recall prior notification, is this normal?
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r00lish67
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Post by r00lish67 on Sept 25, 2019 15:58:29 GMT
"We are currently undergoing maintenance." I can't recall prior notification, is this normal? Working ok for me. Possibly related to ongoing tweaks being made?
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