jo
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Post by jo on Aug 23, 2014 14:32:26 GMT
Thanks Stephen..yes I was.
The supplementary was simply to register my concern that my perhaps my emails were not getting through through to you.
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jo
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Post by jo on Aug 21, 2014 17:52:41 GMT
Hi Stephen
Sent Tue 19th at 13:42 to yourself & Dominic, Subject RE: Enquiry 2nd request.
Thanks
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jo
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Post by jo on Aug 20, 2014 16:39:58 GMT
Ok query answered by Stephen - thanks.
As an aside, I acknowledged this yesterday by email to both Stephen & Dominic with an additional comment and this email hasn't been picked-up either?
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jo
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Post by jo on Aug 18, 2014 17:33:39 GMT
Is the above email address being monitored?
I have sent two emails, a week apart, and there is no indication that they have been picked-up - ie no 'we have received' holding pingback.
Cheers
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jo
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Post by jo on Aug 12, 2014 9:19:48 GMT
May I repost a question from the 'Suggestions' thread?
'This might seem terribly lazy or unnecessary but it's a suggestions thread so what the heck....
On the Investment tab, re Available for Investment, could we have any (previously made) live bids shown, and in Aftermarket, could we have our (existing) units owned shown on the front - without having to click each individual loan?'
Thanks
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jo
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Post by jo on Aug 9, 2014 8:38:27 GMT
Sorry folks, I have gone for 5.9% to get my £10.09 repayment loaned out ahead of the pack. With the recent lending highs I am sure this cash will be absorbed over the next few weeks - come on RS time to break the £7m barrier. Reading the Zopa forum, I now suspect some of the cash is coming from over there, repayments are concentrated at the first of the month. With Zopa offering a fixed 5.2% I think the differential with RS at up to 6.4 was too much even for the diehards, although there remains a loyal stubborn few who cannot see the future. I'm still getting 6.0%, but the "wall of cash" is certainly more than I'd expected. The interesting thing about Zopa's 5.2% is that it isn't really fixed: it's a minimum. As my mother has discovered this week investing on both RS and Zopa, the actual rate you get on Zopa can be seriously higher. I'll document more in the comparison thread I started earlier this week when this evening's Zopa disbursements are in. I haven't invested in Zopa since Safeguard was introduced for all the reasons documented on this forum, but this week has set me wondering.... Your last paragraph got me checking. My last 100 matches have been at an average of 6.27% (ex-fee). I've been withdrawing monthly from Zopa and only investing shrapnel, so this covers the period back to June.
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jo
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Post by jo on Jul 29, 2014 13:39:47 GMT
This might seem terribly lazy or unnecessary but it's a suggestions thread so what the heck....
On the Investment tab, re Available for Investment, could we have any (previously made) live bids shown, and in Aftermarket, could we have our (existing) units owned shown on the front - without having to click each individual loan?
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jo
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Post by jo on Jul 3, 2014 10:51:34 GMT
I agree with most that it's pretty meaningless in raw form (I hinted as much in my original post).
I guess if I had any concerns, it would be at the distribution of recoveries. Mine are concentrated in maybe two borrowers who are making ad-hoc recovery payments (out of 15), the rest, nada.
I'd like FC to increase the data transparency of recoveries. I know the information is available but extracting it is laborious imo. An exportable .csv of recovery payments by Bad Debt borrowers should be a simple task for FC to facilitate.
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jo
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Post by jo on Jul 1, 2014 15:41:17 GMT
Interested in people's simple (ie unweighted) recovery rate from the All Time Earnings Summary (Recoveries/Bad Debt/ X 100). Mine is 3.6%.....I feel blessed!
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jo
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Post by jo on Jun 26, 2014 11:05:49 GMT
(In UK). I had similar problems a while back. Occasional sms issue. Turned out to be something to do with the format of the mobile number I had provided to Bondora. Can't remember exactly but think I gave them +447xxxxxxxxx - when changed to 07xxxxxxxxx it was ok (or vice versa!).
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jo
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Post by jo on May 30, 2014 14:32:42 GMT
Many thanks all.
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jo
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Post by jo on May 30, 2014 14:05:23 GMT
Before I start using GoCardless I'd like to check who my nominated bank is (I've forgotten and it'll be a pain if it comes out of the wrong one).
Can't seem to find the info on the website under 'My Account'.
Anyone help?
Thanks
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jo
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Post by jo on May 15, 2014 14:16:06 GMT
Ah, GVSM etc (what a handle! How is it derived?), a poster of your great experience should know by now that any suggestion in this forum that anyone is less than perfect is met with a reprimand, if not a ban. I am surprised you have not been threatened with legal action for defamation. I think I had better quit before I say anything offensive to the sensitive souls here. Offense can only be taken, not given.
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jo
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Post by jo on Apr 26, 2014 17:44:12 GMT
Thanks to all for the thoughts.
I must admit I'm surprised that all p2p companies don't have a more satisfactory procedure to handle this. Many lives ago I was involved in the unwinding of complex estates and the longer an unwind runs the more the lawyers and bankers win (as a rule of thumb).
I'd like to see (as suggested, above) a facility to donate to charity....... but also perhaps a secondary market to sell distressed loans. Price is the purest clearing mechanism, and at the right price, they'd sell.
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jo
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Post by jo on Apr 25, 2014 14:39:41 GMT
Apologies if this has been asked before - I can't find much on this.
Anyone got a view on how an lender's executor draws a line under P2P accounts with regards to lates/write-offs - in terms of distributing the estate?
It seem a bit unsatisfactory (and possibly expensive) to wait for arrangements/recoveries etc to unwind.
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