Cash Flow Report, Lifetime net return aspects

Good questions James

I was assuming 'current' meant 'Green' up to date loans, and debt meant 'Orange' or 'Red' loans

If debt indeed means actual amounts owing, my figures are very optimistic.

I wonder if this assumes the percentages only towards the future scheduled payments or the whole outstanding debt principal? (Debt seems to include overdue + defaulted I suppose)

In other words, if by schedule there's €10 left and the actual outstanding amount is €50, will it consider 70% of that €50 being recovered when calculating the dashboard values or only the €10?

Imho all the cool estimates etc are pretty much useless, because there's no information whatsoever, what they actually do and I cba to waste my time trying to figure it out. I'll just continue on the exit path.

Judging by past experience, one shouldn't really take any values shown too seriously, unless it's clear how they're calculated (take a loan, pay fees for that loan and see how your profit just increased by that amount, anyone?).

I don't think you can base your forecast on past recovery, because Bondora allocates all default payments to capital until that is fully repaid and only then starts to collect any interest.   You can only really guess what success they will have with collections, because there is no way of knowing that.

I have overdue income and late charges of 7,105.38€  and I am hoping that in a few years I may begin to get some of it.   Of course it will only be for loans where the principal has already been recovered.   Quite how the DCA charges will be treated remains a mystery but presumably they will have to be accounted for because they still show the following on their web site:

They do not have full authorisation yet so I would think they still have many changes to make before they meet all the requirements.   Presumably they have made the necessary application.

So only future payments in the schedule? As in, if I have a loan A that defaulted today, then only the payments that are scheduled since today onwards are deducted with that percentage and any previous ones are ignored (fully deducted already previously)?

What if I receive enough principal payments to cover the entire principal debt, but initial schedule still has future payments planned. Will those payments disappear from the planned principal row or does this calculation still expect to get something from that?

What if that same loan has defaulted 3 years ago before all principal is repaid and it begins paying interest. Will future interest payments only consider and reduce the future planned payments according to the original schedule (which is entirely random amount, considering that the loan defaulted and payments were made in totally different amounts and dates and thus accrued interest should be totally different from the amounts specified in schedule)? Or will it deduct from the entire unpaid interest amount that should be paid and that couldn't be paid anyway before all principal was repaid?

From your pasted description, I'd say it is the first case of using those random irrelevant figures?

To be honest, sounds like a relatively random and useless logic for in debt loans if it's looking at scheduled future payments to do this deduction. Not sure what it's supposed to achieve if repayments are made without considering the schedule and predictions are based on schedule, not actual situation.

Or maybe I didn't really understand that explanation...