Remind how to get rid of low interest loans on the rolling m

Initiate a RYI on the day *after* they have rolled, I think.

NB. Proceed with caution, as I have never tried it myself and therefore cannot guarantee it will work!

Below is a copy of a post I left on a similar thread a few weeks ago. I'm sure I should be able to link it but don't know how.....

"As has been said already "Last in first out" based on last Rollover date. BUT SEE BELOW. So as has been said wait for the loan you want to sell to roll then sell it THE NEXT DAY. Loans cannot be sold on the day they roll so you have to wait until the next day.

BUT.....
I (and friends) have noticed that (not surprisingly really) if you try to sell loan(s) which are at a rate below the current Rolling rate the system passes over that loan and sells the next one in the list of your renewals (It does not seem to "queue" your lower rate loan to sell at a later point when the market has moved, it says "you asked for £x so you're getting £x as quickly as possible"). I guess that's covered on the RS website when they say sales are subject to market demand so therefore if the Rate is 3% there is no demand, at that moment, for loans at 2.5% so we'll sell your 3.5%s instead....

A BUT TO THE BUT
In our experience this doesn't always seem to be the case for very small amounts (say £20) or if you sell a few low rates alongside higher rates. For example if you place an order to sell say £1000 of loans when your newest loans are £950 at 3.5% and £50 at 2.8% and the Rolling market is at 3% we have seen the market absorb all £1000. I THINK this may be RS providing liquidity, perhaps by using the 0.5% surpluses to "compensate" for the 0.2% shortfalls somehow. (As an aside if you sell a 3.5% loan when the market is at 3.0% does the buyer get 3.5%? I think not so where does that go.....)

And if lots of loans roll on the same date?
Seems to sell the highest rate loans. So you have £500 9% and £500 5% all of which rolled yesterday and you order £300 then "surprise surprise surprise" it seems to sell the 9%s. "

A little trick to add to the final point..... Try selling £10 first. IF it sells £10 of the 9%s that loan will now be dated today and not subject to a sale today. THEN sell £290 and it will sell the 5%.

Absolutely correct but as loans sometimes renew at irregular periods not always possible to avoid simultaneous rolls.

Of course if the low rate were to be sold first then just wait until tomorrow assuming that's possible personally / doesn't clash with other rolls.  (Even selling the "wrong" one still fulfills the basic aim which is to break the 2 loans apart achieving the objective you rightly highlight of not having loans on the same day where poss).

In my experience though they tend to sell the higher rate whenever they get the chance.....