mikeb
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Post by mikeb on Oct 2, 2015 8:24:38 GMT
When I go to "Money On Loan" "Loan Contract Details", I see all the details for my latest loan -- but the link that used to say "View" that delivered a PDF of the contract is gone. This also seems to apply to all historic loans too, not just current. westonkevRS is this a policy change (to no longer provide/remove this info), a website improvement that has accidentally rendered part of the page invisible (purple on purple  , or other ... ? |
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mikeb
Posts: 1,052
Likes: 463
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Post by mikeb on Oct 8, 2015 19:31:32 GMT
westonkevRS: Today's (8th) update from Ratesetter, explaining the un-announced loss of PDF contracts, and changes to terms and conditions, back-dated to 1st October.
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Post by bobthebuilder on Oct 9, 2015 0:33:17 GMT
Yes, I noticed that too. Unfortunately the loss of pdf contracts means that as far as I am aware there is nowhere where I can see my true rate of return on a loan. For example a three year loan with a headline rate of 6.0% is actually a true return of 5.85%. My Maths skills are up to working this out for myself, but I'm not sure that applies to all lenders.
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mikeb
Posts: 1,052
Likes: 463
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Post by mikeb on Oct 9, 2015 18:41:46 GMT
Also: "the contracts for some are not concluded electronically."
And yet somehow they end up borrowing our electronic money and show up on our electronic statements.
(?)
I save the PDFs per-loan, and file them with the statement snapshots monthly, as an audit trail. It also provides a backup for making sure I've correctly captured each loan into my P2P spreadsheet -- if the end-of-month totals are off, the PDFs let me find which contract I missed.
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, or other ... ?