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Post by carol167 on Feb 22, 2017 12:36:59 GMT
Note : Our account numbers have all changed, anyone making a bank transfer needs to change the reference. Thanks for this - hadn't noticed this at all in amongst all the Fisher Price changes so only realised this had changed just now when I read this thread (recently joined the forum so still catching up). Not great that this wasn't highlighted to us at the time. I had to whitelist Lendinvest for mail delivery as I noticed that quite a lot of their emails (but not all) were getting rejected at my ISP level - I forget the exact error.
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Post by carol167 on Feb 9, 2017 11:52:47 GMT
OOOOooo it's changed. Finally I can now select "Keep in wallet" from a pulldown. Thanks. :-) Happy me. Now if only you could give us the option to cancel pending withdrawals, my life would be complete. ;-) Ha - I can get those cancelled by Finance for you if you like?! We don't allow customers to cancel their end just in case they are cancelled while being processed by Finance. We can come up with something in the future but generally it's not a big issue. It's ok. I'll survive.... somehow. I'll just put back the micro amount afterwards. It's just going to sit there now until the rates go back to 5%+ anyway. Which could be aloooooong time now, given the ISA money dumping in. :-(
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Post by carol167 on Feb 8, 2017 16:50:24 GMT
If someone wanted to temporarily suspend automatic reinvestment (in their ISA account) because the rates dip.... do you force us to have to withdraw the capital as you do now with the ordinary account ? The implication being the withdrawn capital would loose it's ISA status. Can it be put back in without a problem - up to the years allowance ? Hi carol167 - you don't currently have to withdraw if you don't choose to reinvest. You can opt to leave repayments in your Wallet via your lending settings, where they'll be available to manage manually. If you do choose to withdraw repayments from your ISA (manually or automatically), adding them back at a later date would contribute towards your allowance. We will likely be offering a flexible ISA a bit later for this very reason. OOOOooo it's changed. Finally I can now select "Keep in wallet" from a pulldown. Thanks. :-) Happy me. Now if only you could give us the option to cancel pending withdrawals, my life would be complete. ;-)
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Post by carol167 on Feb 8, 2017 14:27:47 GMT
If someone wanted to temporarily suspend automatic reinvestment (in their ISA account) because the rates dip.... do you force us to have to withdraw the capital as you do now with the ordinary account ? The implication being the withdrawn capital would loose it's ISA status. Can it be put back in without a problem - up to the years allowance ?
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Post by carol167 on Jan 25, 2017 20:12:44 GMT
The obvious solution..... is for LendInvest to allow us to specify which rate bands we want to auto invest in like they do LTV values.
But will they though ?
I would have thought that that should have been there from the getgo with the new website.
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Post by carol167 on Jan 17, 2017 16:15:07 GMT
But the 1% over 5 years would make it more like 4.9%? Maybe a bit higher with some early repayments Yes, stupid me. You're right. Makes it not worth it then really. And anyway, I thought it was a supply and demand thing. Surely if they are in need of funds - the rate on offer should go up.
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Post by carol167 on Jan 17, 2017 15:51:49 GMT
Hi carol167 - hope you're well. Are you still seeing your old address or has this been fixed for you? Thanks Still seeing the old address. Not fixed yet then.
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Post by carol167 on Jan 17, 2017 15:49:31 GMT
I have to admit it's tempting.
Makes it 5.7 instead of the current 4.7 rate.
Hmmm....
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Post by carol167 on Jan 11, 2017 10:27:10 GMT
Please, please, please change the sort order so that it lists on Repaid Date. Trying to find anything is impossible!!
Better yet - give us, the users, the ability to choose which column we sort on.
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Post by carol167 on Dec 21, 2016 11:55:20 GMT
Deary me - as front images goes, their out of focus misty blue mountains really sucks. It's just nasty on the eyes. As a manager and post processor of a travel photographer's stock images - I can offer FS a decent front image. I'm sure we can come to some arrangement on rates. :-) It's pin sharp and the master is 5454x3555. Nepal. You can blur it for effect but it will still be a vast improvement on the live website one.
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Post by carol167 on Dec 16, 2016 16:41:26 GMT
Nice to see that it's grown up a bit now and has sensible options such as the ability to specify max LTV.
However, what it is desperately missing is the ability to specify minimum interest rate. As such, currently for me, it's useless.
And why restrict it to "Tranche A" or "A&B" only. What if someone wanted to only invest in B's ? (which we know have the better interest rates).
Still, an improvement on the retrograde step back with the switch to the new site though. Still needs work IMO.
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Post by carol167 on Dec 15, 2016 8:04:48 GMT
My strategy for LI is not to invest in anything above an LTV of 70% and nothing under 6%. So it's going to be natural drawdown for me and not because I don't like LI.
Drawing down in a couple of other places, still increasing in some more that are not yet at my self imposed happy limit, steady in the rest.
Ebbs and flows.
Total plarform exposure currently is 9.
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Post by carol167 on Dec 4, 2016 9:44:54 GMT
My last sell-able FC loan part was purchased from me overnight so I'm now officially "out" (apart from £500 or so stuck in Late/RBR and £800 of Bad Debt). Feels a little weird but I guess I'll get used to it! My last non-secured loan sold last night too. So I too am out except for property with a much reduced overall holding. Just too many failing - and often too soon after being loaned for my liking - making for unreliable regular monthly income (and I only ever did A+ & A). I've used the capital to bolster up some other p2p amounts to compensate = overall increase in %return and more stable....for now.
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Post by carol167 on Nov 28, 2016 15:48:59 GMT
They've reintroduced auto-withdrawal of interest (if over £100). Ooo - goodo. Let's hope it's just one single payment into the bank rather than a gazillion little ones, as it was before.
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Post by carol167 on Nov 27, 2016 16:02:31 GMT
And you're still showing my old address under "My Details" not my current one (details of which you do have).
Also, hiding the Statements away behind the "more" option on the dashboard's "Total Classic Account" panel does seem a bit obscure. Having once discovered it by accident, it then took me ages of hunting around to find it again and supposedly I knew where it was ;-). Can i have a pound everytime someone asks "where's the statements ?" please ?
Overall though a good lesson on how to properly upgrade a website (unlike Lend Invest's recent attempt). I like it. Clean, fresh & clearly geared towards smartphone and tablet usage. Mind you, I only do financial stuff on my PC... starting to feel old now :-)
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