Sr. Lobo
Member of DD Central
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Post by Sr. Lobo on May 17, 2017 17:20:25 GMT
I saw dozens of 12% PG loans with 5+month period yesterday and picked up a few myself, but yeah there are none at the moment. What time did you see them? Anyway, autoinvest is not picking anything and I have it set at 12% with a maximum of 24 months... Idle cash is piling up. There was lots of loans but 10% not 12%. Another important reason autoinvest set at 12% did not work.
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Sr. Lobo
Member of DD Central
Posts: 63
Likes: 17
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Post by Sr. Lobo on May 16, 2017 18:09:09 GMT
You can set priorities. Just set the "Minimum Funds in Account" for each portfolio in the desired order with an ascending quantity. This option has been removed. You can now only set a minimum across all portfolios. That's an horrible update and a unilateral change of signed portfolio conditions. Even Twino respected previous fixed values when removing that option. Now I will have to stop and start portfolios and look for a different platform for my money. I've sent a complaint, I can't trust a firm that unilaterally change signed conditions and without any previous notice.
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Sr. Lobo
Member of DD Central
Posts: 63
Likes: 17
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Post by Sr. Lobo on May 12, 2017 14:14:43 GMT
You can set priorities. Just set the "Minimum Funds in Account" for each portfolio in the desired order with an ascending quantity.
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Sr. Lobo
Member of DD Central
Posts: 63
Likes: 17
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Post by Sr. Lobo on Apr 27, 2017 6:36:52 GMT
I've just received the daily transaction summary email to discover a new "feature": negative interests.
That's the summary:
Received payments € 170.57 - Principal repayment € 174.94 - Repaid interest € - 4.37
I've checked yesterday account movements and it's not a mistake in the email. I have received several negative interest amounts.
A new reason to leave that platform. Folks, check your accounts I think I won't be the only one having this issue.
Best regards.
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Sr. Lobo
Member of DD Central
Posts: 63
Likes: 17
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Post by Sr. Lobo on Apr 11, 2017 16:25:34 GMT
So, FCA will forbid that we, individuals, share experiences in a forum about no UK platforms or just to platforms representatives or only if they promote their loans. I'm surprised about this.
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Sr. Lobo
Member of DD Central
Posts: 63
Likes: 17
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Post by Sr. Lobo on Apr 11, 2017 14:00:09 GMT
The forum is primarily targetted at UK residents/citizens, and depending on how the UK/EU passporting issue is resolved, it is possible that some / many / all of the platforms currently offering EUR loans to UK residents may have to cease such offers; either as a consequence of new UK/EU trade in services rules, or the ability of the FCA to block these companies once the passporting arrangement comes to an end on investor protection grounds. I don't think things won't be that way. There is no restriction a Brazilian, for instance, can invest in an European or British platform. Maybe I will need a visa for visiting London or a retired Brit insurance for medical care living in Spain, but I don't thing there is a reason to forbid investing in a different country. That's no brexit but isolationism.
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Sr. Lobo
Member of DD Central
Posts: 63
Likes: 17
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Post by Sr. Lobo on Apr 8, 2017 22:32:08 GMT
Twino is blocking web access from my iPad. They redirect me to an app designed for the iPhone. Hey Twino, i don't want to use a f****d app for every site I use. i don't want to be forced to use an outdated app that don't show PG investments and force me to use my iPad in the wrong direction, not been able to rotate. please don't force me to use that , I wont do it. If I'm unable to access my data I will send my money to a less intrusive site. a/a jevgenijs
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Sr. Lobo
Member of DD Central
Posts: 63
Likes: 17
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Post by Sr. Lobo on Mar 30, 2017 11:07:01 GMT
I'll try these loans as I do with every new loan originator in Mintos. After a while I can evaluate results and modify AI. I have already excluded one of the originators for my AI rules. Mintos offers great variety of options and let you select the one you want. Competition in the platform for lenders money is another guarantee originators should try to do a good job. Which loan originator did you exclude? I don't like Capitalia, more 60+ & defaults than competitors for same kind of loans, although is not really bad. So I've opted out to exclude it from my AI, not including more Capitalia loans in my portfolio.
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Sr. Lobo
Member of DD Central
Posts: 63
Likes: 17
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Post by Sr. Lobo on Mar 30, 2017 8:24:02 GMT
I'll try these loans as I do with every new loan originator in Mintos. After a while I can evaluate results and modify AI. I have already excluded one of the originators for my AI rules.
Mintos offers great variety of options and let you select the one you want. Competition in the platform for lenders money is another guarantee originators should try to do a good job.
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Sr. Lobo
Member of DD Central
Posts: 63
Likes: 17
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Post by Sr. Lobo on Mar 30, 2017 7:05:22 GMT
You have to set an autoinvest profile or buy loans in the PM. This is not Bondora.
You are confusing Bondora's fault with Spaniards attitude. That's offensive for 45 M people, included me.
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Sr. Lobo
Member of DD Central
Posts: 63
Likes: 17
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Post by Sr. Lobo on Mar 26, 2017 7:07:59 GMT
I created an auto invest to put money into the pawnbroking loans. This was yesterday. When I clicked the activate button it said €220 had been invested. Looking at my individual investments a bit later only €20 was a pawnbroking loan and the other €200 was in Georgian personal loans! Anyone else had this happen? Not 100% sure I did the auto invest correctly. I'm sure you didn't . Select the loan type, that loan originator offers both kind of loans. Take care of buyback guaranty as there are both with similar interest rates. HTH
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Sr. Lobo
Member of DD Central
Posts: 63
Likes: 17
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Post by Sr. Lobo on Jan 3, 2017 21:42:08 GMT
Not much to talk about bondora. Just running down my portfolio, selling defaults for a great discount. Try to get out asap not loosing money. Starting to sell the good assets too.
Not interested anymore in a company that ignores costumers and lies about loans. P2P requires trust and I know I can't trust bondora.
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Sr. Lobo
Member of DD Central
Posts: 63
Likes: 17
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Post by Sr. Lobo on Dec 27, 2016 15:16:50 GMT
I think Mintos should add some information in faqs, withdrawl about account verification, I'd renewal, valid ID documents, and so on. clandestino52 I think you will have no problems changing fiscal address, Mintos will get notified when you upload a new doc . So they have now given you a temporary solution, and after that you'll have ten years before next ID renewal. Some things must be improved and communicate before ID expires and give some time for receiving a new one or a different document but I thing the reason is ID renewals are probably easier in Latvia than we suffer in Spain.
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Sr. Lobo
Member of DD Central
Posts: 63
Likes: 17
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Post by Sr. Lobo on Dec 27, 2016 9:40:25 GMT
Have you tried uploading a diferent id document, like passport or driving license? Time ago it was usual in Spain waiting for months for the new ID card, now it's no so slow but you can wait for a long time for an appointment to renew, specially in the summer time and end of year because of passports being renewed.
There is no point Mintos not having a grace period for uploading a new ID card or a different document while allowing to operate. After all is not first time you're sending the ID prove, just renewing.
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Sr. Lobo
Member of DD Central
Posts: 63
Likes: 17
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Post by Sr. Lobo on Nov 15, 2016 18:27:51 GMT
Maybe you have already invested 10 € in the available loans.
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