star dust
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Post by star dust on May 13, 2015 12:37:01 GMT
Before I start let me just say that I think overall SS is a great site, but we and they know there are some glitches. I am sure they are aiming to make loads of improvements with the announced Platform Upgrade, but just in case they forget or haven’t thought of something I thought I’d start this thread. Below is my wish list in my preferential order: 1. Stuck loan sales/ over purchase glitch. 2. Interest split into paid and accruing (with optional total) 3. Sortable columns under each of the Loan and Dashboard tabs 4. New loan notifications/ temporary caps (controversial I know) 5. Platform capacity at times of high demand 6. Re-entering bank details for withdrawals 7. Email issues (don’t know if they can fix everything e.g the PlusNet one, but I used to get all emails and don’t anymore) 8. Consistent deposit / withdrawal timescales (don’t know if this is more bank than platform specific) 9. Downloadable Loan Books 10. Loan Update Tab with the latest information on loan status. 11. An FAQ or Guide to Lending on SS covering the typical newbie questions such as, where’s the SM, when is interest paid, how do I buy loan parts etc. 12. Second stage security for login 13. Test it to death before going ‘live’, and give us warning beforehand. Isn’t so long is it  . Feel free to add/ comment / discuss further. |
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SteveT
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Post by SteveT on May 13, 2015 13:43:30 GMT
I'd expand slightly on your 3rd suggestion
3. Sortable columns under each of the Loan and Dashboard tabs, with a check/ uncheck option to show total holdings by loan on the Dashboard (rather than multiple parts)
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ilmoro
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'Wondering which of the bu***rs to blame, and watching for pigs on the wing.' - Pink Floyd
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Post by ilmoro on May 13, 2015 14:09:44 GMT
Id add A Q&A for loans A clear 'contact us' on the financial site An updated T&C that reflects the changes in Lendy/SS operations Site stats Oh & no purple, whatever shade, anywhere in the colour scheme (pre-emptive just in case theyre considering it)  |
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locutus
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Post by locutus on May 13, 2015 14:57:54 GMT
A redesigned provision fund with plenty of clear information on how it works.
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Liz
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Post by Liz on May 13, 2015 15:09:35 GMT
Star Dust is voluntering to do a guide for no. 11.
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ilmoro
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'Wondering which of the bu***rs to blame, and watching for pigs on the wing.' - Pink Floyd
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Post by ilmoro on May 13, 2015 15:16:46 GMT
Star Dust is voluntering to do a guide for no. 11. Does/do he/she/it/they? know this? More importantly does George know?
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sqh
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Before P2P, savers put a guinea in a piggy bank, now they smash the banks to become guinea pigs.
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Post by sqh on May 13, 2015 15:59:34 GMT
I would recommend doing the bare minimum. KISS rules.
I wouldn't even fix the negative loan parts, just let them run until someone wants to sell. Keep it as liquid as a Dublin pub on St Patricks Day.
I would fix the problem where sold loan parts don't show up in available funds, and I would provide extra user connections for busy times..
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webwiz
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Post by webwiz on May 13, 2015 16:23:06 GMT
In terms of priorities in general I would not put the platform high on the list. It works pretty well and things like setting up a trust and a mechanism for the loans to be re-assigned to the lenders are far more important IMHO.
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Post by ajduk on May 13, 2015 16:42:59 GMT
Allow us time (say 24 or 48 hours) to do DD before a loan is released for funding. i.e. Release the details in advance. Not a problem until recently.
Whilst I know that we can buy then get out easily enough if we want, it's far from being an ideal way to do it.
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ramblin rose
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“Some people grumble that roses have thorns; I am grateful that thorns have roses.” — Alphonse Karr
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Post by ramblin rose on May 13, 2015 16:53:36 GMT
I would recommend doing the bare minimum. KISS rules. I wouldn't even fix the negative loan parts, just let them run until someone wants to sell. Keep it as liquid as a Dublin pub on St Patricks Day. I would fix the problem where sold loan parts don't show up in available funds, and I would provide extra user connections for busy times.. Apart from the fact that your third point is directly caused by your second point, so the negative loan parts have to be fixed if you want the funds from the sold ones to definitely show up in your account  But I agree - I've loved the simplicity of this platform from the start and I'm anticipating this new platform with a degree of trepidation.
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Post by Deleted on May 13, 2015 20:20:46 GMT
I write as just an average middle aged bloke.
1. I'm not brilliant with computers and technical stuff and navigating my way around complicated websites with umpteen buttons and pages. I have joined a few other P2P type platforms and not proceeded because I didn't understand very well how it all worked.
I love the fact the SS website is so simple to use and that even I can very quickly work my way around it all.
2. The glitch with selling loan parts etc as mentioned so much on here is the No.1 issue for me. That has to be sorted out.
3. The 3rd priority for me would be some kind of upgrading of the security on the website. It does seem a bit basic in terms of how quick and easy it is to log in to our accounts - compared with the Banks' online banking systems for example. So I think a bit more security at the logging in stage would be reassuring. Perhaps once we have logged in we have to enter the x y and z didgits from a PIN number or password that we are required to create - so there is a 2nd line of security at the log in stage.
So really I agree with those people who have suggested keeping it simple and not cluttering it up too much. Just my view.
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ramblin rose
Member of DD Central
“Some people grumble that roses have thorns; I am grateful that thorns have roses.” — Alphonse Karr
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Post by ramblin rose on May 13, 2015 20:41:13 GMT
I write as just an average middle aged bloke. 1. I'm not brilliant with computers and technical stuff and navigating my way around complicated websites with umpteen buttons and pages. I have joined a few other P2P type platforms and not proceeded because I didn't understand very well how it all worked. I love the fact the SS website is so simple to use and that even I can very quickly work my way around it all. 2. The glitch with selling loan parts etc as mentioned so much on here is the No.1 issue for me. That has to be sorted out. 3. The 3rd priority for me would be some kind of upgrading of the security on the website. It does seem a bit basic in terms of how quick and easy it is to log in to our accounts - compared with the Banks' online banking systems for example. So I think a bit more security at the logging in stage would be reassuring. Perhaps once we have logged in we have to enter the x y and z didgits from a PIN number or password that we are required to create - so there is a 2nd line of security at the log in stage. So really I agree with those people who have suggested keeping it simple and not cluttering it up too much. Just my view. Is your 2nd priority a secret? (Or is it to learn to count? - sorry, @interesthunter, couldn't resist!)
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Post by Deleted on May 13, 2015 20:52:08 GMT
It's been a long day ...
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mikes1531
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Post by mikes1531 on May 14, 2015 2:01:46 GMT
I wouldn't even fix the negative loan parts, just let them run until someone wants to sell. Something definitely has to be done because of the way things work now. If a loan goes £500 negative because two people both tried to buy the last £500 available, someone offering another £500 for sale doesn't fix things. The only thing that happens is that the negative entry goes away and the system repors that there's nothing available on the SM. Meanwhile, one lender has committed £500 to buy a part that someone else bought as well, and another lender is sitting with a £500 part for sale but they're the only one who knows it's for sale because the system says there's nothing for sale. If the system could be made smart enough to recognise this situation and sell the available part to the person who missed out, that would be brilliant. Hopefully the new system will be smart enough to do that. Or better still, smart enough to not allow two people to buy the same part in the first place. As for KISS, I'm not convinced that any of the OP's suggestions would violate that principle. Just because there are more options, doesn't mean you have to use them. And I certainly don't have a problem with turning the currently meaningless 'Accrued interest' into something useful. And while better security may require a bit more effort from us, I don't want a lax system that could be breached. There's a lot of money invested at SS and I'm sure nobody really wants to risk it disappearing through a security hole.
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star dust
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Post by star dust on May 14, 2015 8:55:36 GMT
Star Dust is voluntering to do a guide for no. 11. I'm sure SS don't need any help from me; but you could write a guide for Android users!
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. Feel free to add/ comment / discuss further.
But I agree - I've loved the simplicity of this platform from the start and I'm anticipating this new platform with a degree of trepidation.