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Post by p2plender on Aug 11, 2019 5:15:59 GMT
You decide.
As there's several threads about the tweaks I thought I'd create a poll to see the general consensus.
(RS say the constant tweaks is to make 'the whole experience simpler').
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jcb208
Member of DD Central
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Post by jcb208 on Aug 11, 2019 7:19:13 GMT
It has made it far more confusing .Ratesetter are trying to make you lend money at there rate by making it very hard to change the lending rate.I have still not managed to change my lending rate to loans already in a queue
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Post by p2plender on Aug 11, 2019 9:49:05 GMT
RS rep feel free to vote and feedback to your leader(s)..
This is your investors voting after all.
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Stonk
Stonking
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Post by Stonk on Aug 11, 2019 10:18:58 GMT
It's not so much "confusing"; more that it's different, inefficient and opaque compared to what I was used to.
All the functionality I need is still there. Much of it has moved -- and keeps moving from week to week! Some of it takes more clicks. I can see that certain operations would take a lot more clicks if one maintains a large number of orders (which at present I do not).
Certain interesting information has been removed, reducing transparency.
Overall, I am disappointed but not confused. I am also concerned that the direction is inexorably towards removing the ability to manually choose rates.
None of the options in the poll really fit me.
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Post by propman on Aug 11, 2019 10:35:38 GMT
Takes much longer for active investors and have to go through multiple screens to see everything I need to assess the market.
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coogaruk
Hello everyone! Anyone remember me?
Posts: 703
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Post by coogaruk on Aug 11, 2019 10:43:20 GMT
Are those who haven't really noticed much change actually logging in to their accounts?
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aju
Member of DD Central
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Post by aju on Aug 11, 2019 15:02:41 GMT
Are those who haven't really noticed much change actually logging in to their accounts? I'm guessing not. As I log in daily and then quite a bit on the weekend, assuming I have funds that are relending, and it seems to change almost everytime I come here over the last 2/3 weeks. Not a great gauge though in that I'm a relatively young whippersnapper on the RS platform compared to some of the contributors on here. I'm not a youngun by age though and I've only been here since November, RS I mean, and it seemed a breath of fresh air coming from the last 10 years on Zopa - I know Zopa and it's changes like the back of my hand - but sadly I think it's caught up and overtaken Zopa for what I would mostly call unnecessary tweaking masquerading under the guise of improvements that quite frankly are not much of an improvement as far as I can tell. I remember when I worked in engineering and in particular later on in website build and design that the old moto "if ain't broke don't fix it" was good adage to stick by. I guess the youngsters have never heard of this one!
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Post by oppsididitagain on Aug 12, 2019 11:09:27 GMT
People generally don't like change. Especially when its not even explained to their users !!
Im sure over time we will become used to the new layout/format but I don't want to keep calling customer services to ask how to navigate their website very poor by RS, no e mails, no explainations - Lost faith in RS now, moving to lendingworks
2 products 5% instant access. or 6.5% with a 0.5% early withdrawal fee
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r00lish67
Member of DD Central
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Post by r00lish67 on Aug 12, 2019 13:01:52 GMT
..Lost faith in RS now, moving to lendingworks 2 products 5% instant access. or 6.5% with a 0.5% early withdrawal fee I will gladly put up with a poor colour scheme and unintuitive AI for the sake of a stronger provision fund, any day of the week.
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ashtondav
Member of DD Central
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Post by ashtondav on Aug 12, 2019 15:27:44 GMT
So it takes me a couple of minutes to place my money at 6% or more. Bless. I've spent more than ten minutes applying for a cash ISA at 1.44% - the best instant access rate in the UK.
6%, in current times is well worth a couple of minutes and i got a decent chunk hoovered up at 6% just a few hours ago.
Do I like the site design? Not really.
Do I like 6% and a (more or less) functioning PF? You flippin' bet I do.
Keep it up RS - the more dumb money sucked in at 4% (still a bloody good rate compared to BS products) the more I'm likely to get my 6% every month or so, with the exception of the exceedingly dumb ISA season.
Of course were RS to "do a zopa" and stop me setting my rate, well that would get me deserting the good ship RS quicker than you could say "day-glo website". But until either then or PF depletion - yay RS!
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Post by Deleted on Aug 12, 2019 15:36:10 GMT
If it takes more clicks to perform the same action, it is no longer obvious how to perform those actions, and the contrast ratios between foreground and background don't meet industry standards, then that is simply terrible UI design.
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ashtondav
Member of DD Central
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Post by ashtondav on Aug 12, 2019 16:31:50 GMT
If it takes more clicks to perform the same action, it is no longer obvious how to perform those actions, and the contrast ratios between foreground and background don't meet industry standards, then that is simply terrible UI design. Yep, agreed. Although I don’t think it’s as bad as some folks. But I don’t give a damn if I can still get 6%.
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Post by Deleted on Aug 12, 2019 16:41:51 GMT
If it takes more clicks to perform the same action, it is no longer obvious how to perform those actions, and the contrast ratios between foreground and background don't meet industry standards, then that is simply terrible UI design. Yep, agreed. Although I don’t think it’s as bad as some folks. But I don’t give a damn if I can still get 6%. Maybe to you, it's a mere annoyance. To those with eyesight-related disabilities, it is not quite such a trivial matter.
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Post by p2plender on Aug 13, 2019 0:59:56 GMT
Ashtondav, set rates are coming, that's obvious. The whole purpose of all these tweaks is to steer money into the lowest rates possible, that is clear. Once that fails (may well be soon given many appear to be upping sticks) then they'll have no choice to offer set rates. RS isn't a profitable business - even in the good times. Close to ten years in and they appear to be going backwards. I think they've missed the boat with an IPO as well given the state of FC shares.
PS I think the RS rep may have voted.
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upland
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Post by upland on Aug 13, 2019 6:53:06 GMT
I never know where I am with it, the rules are so complicated.
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