dawn
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Post by dawn on May 3, 2020 8:52:44 GMT
chris chrisHi Chris, 1) Is there a way of switching off the boxes and pie chart and graph at the top of the dashboard page? - I'm not interested in seeing those, just in my different accounts which are now hidden at the bottom of the page - lots of scrolling. Or allow us to configure that page so we can choose what we see first at the top. Fixed - thanks to iRobot2) on the dashboard - for my manual account I used to be able to easily see how much was invested and how much I had left to invest - now I have to hover over a tiny question mark to find out how much I have to invest and do some mental arithmetic to work out how is currently invested (as opposed to the total in the account which is what is displayed) - I prefer the old display which gave more useful information. 3) Downloads - please can the download as csv buttons also be at the top of each page (eg when downloading statements I have to scroll to the bottom of the page to find it). I don't mind if they are at the bottom and the top, but definitely prefer to have a button at the top to reduce loads and loads of scrolling. 4) downloaded files - once they have downloaded I have 2 problems a) file names - now the statements are all named as statement(1), statement(2), etc whereas before they had the name of the account - Cash, QAA etc. Ideally the name should also include the date and time of the download. Live loans download as live(1), repaid loans as repaid(1). More helpful file names would be appreciated.
b) date and time in the new statement downloads - column B - now has a T between the date and the time - Excel is struggling to read this as a date - please can the T be removed - it didn't use to be there and I don't see that it has any use.
Other than that the new site looks pretty enough and I can do most things I need to - once I've worked out where things are.
Thanks
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dawn
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Post by dawn on Mar 18, 2020 8:27:00 GMT
All cash account withdrawals have been processed and paid out yesterday and will continue to be be so. All Access Account investments that were withdrawn to your Cash Account prior to last Thursday are also available for withdrawal or already sent to you if requested. Access Account investments requested to be withdrawn since then are in a queue. Just for clarity so I know - does money in an access account earn that accounts interest rate up to the point that it actually moves or up to the point that it was expected to move (in the past these have been the same thing but not now). I'm sure it is the former but just thought I'd check. For example I have a withdrawal pending from the 30 day access account to the MLA (where it normally gets swept in the QAA). I put in the withdrawal request 31 days ago so it should have come out yesterday (17th). It is in a queue for now and that isn't a problem for me, but will I get 5.1% just for the 30 days or will it be 5.1% for 31 or 32 or 33 days (etc) until the money actually moves? I expect it is the latter as I believe the interest is calculated on the amount actually in the account at specific times.
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dawn
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Post by dawn on Feb 25, 2020 8:06:11 GMT
Mod Hat Not Quite on YET...../ supernumerary , whilst I admire your enthusiasm and persistence, 35 posts in this one thread alone is bordering on spam. You have already been asked to ‘give it a rest’ supernumerary Give it a rest. Adding another couple of £k to reach the nominal £75k target isn't going to change anything much, and your repetitive badgering could end up being counterproductive. and still you continue ….maybe sometime late Thursday afternoon, early evening, BUT that will depend on how things go... I might do it every two or three hours. Please don’t, or we might have to put a sock in it for you. Please don't do that. The posts may not be to everyone's taste, but I am glad they are there and I appreciate what supernumeray is doing.
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dawn
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Post by dawn on Oct 31, 2019 10:09:41 GMT
I have an MT non-ISA account and an ISA account. I can easily transfer money from my ISA account into the non-ISA account and then withdraw it from there with no charge. Towards the end of the year I can transfer the money back by the reverse route (or direct into the ISA). Currently the money moving is new money from this year that went in back in April. However once that has all transferred out then I also have money from a previous year which will be able to move in the same way. The only criteria for it to retain its tax-free status is that it has to be back in the MT ISA account by close of play on 5th April 2020. Are you sure you have to move it out through the non-ISA? You can withdraw from the ISA, too, and some may not be having both. That is just the way I do it as it works for me and keeps it simpler on my spreadsheets (other spreadsheets are available that may work differently). The main point I was making was that there is no charge for doing this (either direct from the ISA or via the non-ISA account). The only charge appears to be when you want to transfer your ISA funds to another ISA. I often have repayments into both accounts so tend to amalgamate them into one lump in the Non-ISA to do just one withdrawal.
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dawn
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Post by dawn on Oct 29, 2019 23:09:39 GMT
I have an MT non-ISA account and an ISA account. I can easily transfer money from my ISA account into the non-ISA account and then withdraw it from there with no charge. Towards the end of the year I can transfer the money back by the reverse route (or direct into the ISA). Currently the money moving is new money from this year that went in back in April. However once that has all transferred out then I also have money from a previous year which will be able to move in the same way. The only criteria for it to retain its tax-free status is that it has to be back in the MT ISA account by close of play on 5th April 2020.
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dawn
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Post by dawn on Oct 15, 2019 6:45:18 GMT
Hang in there seb8072. She cannot possibly ignore one of her own constitutes on such an important matter as this one. She might just be snowed under. Give it a while longer then another courtesy email Good luck. We are all in it together "She cannot possibly..."? I think you'll find she can. My own MP has completely ignored my letter (apart from the autoreply which confirmed it had reached her office), about 2 weeks ago. Let's just say that some MPs are a lot more assiduous about their constituency work than others. In some cases, not all, this may be correlated to the size of their majority. Sadly, in my case, my MP is both useless and in possession of a big one, so I'm not expecting a whole lot, though it did make me feel better trying. I sent my original email on Aug 12th and only had an automatic reply. Due to other issues at home it wasn't until Sep 25th that I chased it with a request for when I might get a full answer to my original email. A letter arrived 2 days later from my MP, apologising for not replying sooner and saying he had passed it to the FCA (who have since contacted me for consent to talk to my MP). Sometimes your MP may just be snowed under with stuff and things slip through the cracks. It is worth writing to them again if you have not had a reply.
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dawn
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Post by dawn on Oct 11, 2019 10:46:45 GMT
Latest email from FC (which annoyingly got my hopes up that my loans had sold) covers off the selling process - also confirmed they've "paused" the 120 day rule:
Question: did every FC lender receive that email, or only those who have a sale request in the queue? I received it, and I am queueing.
If the former, this is surely going to alert the mass of lenders who have up until now been oblivious to the problem.
I do not have a sale request in at the moment (very little left that can sell) and have not received the email.
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dawn
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Post by dawn on Oct 3, 2019 14:42:41 GMT
Email received from FCA this afternoon:
I am writing in relation to a complaint brought to the FCA on your behalf from the Office of *** *** MP. For us to discuss matters relating to the complaint with *** *** MP’s Office, we need your explicit consent to be able to do so.
Please therefore confirm by reply (either by email or in writing) if you are prepared to provide your consent. If I could have your response by close of business 10 October 2019, that would be much appreciated.
I've given consent. It seems they are taking notice.
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dawn
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Post by dawn on Sept 28, 2019 9:29:53 GMT
Would be interested in how many people get real replies. I sent mine to my MP a month ago - only had an automatic reply so far. Will be chasing shortly. I sent my original email on 12th August and received only an automated reply so I on Wednesday this week (25th) I asked for an update on when I might receive a proper reply. A letter dated 26th has just arrived saying 'I sincerely apologise for the delay in replying to your email sent on August 12th, regarding the conduct of the Financial Conduct Authority (FCA). I am sorry to hear of the distress and financial loss you are experiencing. I have raised your concerns with the Chief Executive of the FCA, Mr Andrew Bailey, enclosing a copy of your correspondence. Once I have received a response from the FCA, I will of course update you". So if your MP has been slow to respond prodding them again might work.
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dawn
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Post by dawn on Sept 19, 2019 6:54:31 GMT
Just checked mine and I do have a payment on 29th May. Also checked that there are no missed payments - they are mostly on time but March 2019 didn't pay out until early April. So this problem doesn't seem to have affected everyone which is a bit odd.
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dawn
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Post by dawn on Sept 12, 2019 20:53:08 GMT
Would be interested in how many people get real replies. I sent mine to my MP a month ago - only had an automatic reply so far. Will be chasing shortly.
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dawn
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Post by dawn on Jul 26, 2019 22:19:28 GMT
Yes, i Think it is a bit suspicious. Should it come in handy friends, I have a copy of the original email asking us to choose. I've copied a small chunk below: 'When you log in from next Monday (April 23rd) you will be presented with a pop-up notification inviting you to categorise yourself, using one of the following FCA investor definitions:
- Restricted (a retail customer)
- High Net Worth (a more sophisticated investor)
- Sophisticated investor (typically independently certified)
- Self-certified sophisticated (made personal declaration)'I've also got a follow up email providing the results of people's choosing. Again, a chunk copied/pasted below: 'So far, we’ve had a good response, with the following split:
- 14.15% - restricted
- 4.86% - high net worth
- 0.29% - sophisticated investor
- 3.51% - self-certified sophisticated
If you’re still to respond, can we please ask that you complete the short exercise by the end of April.'I'll hang onto the emails (and off-site backup them naturally ;-) ) just in case they can help us in the future. I also have copies of these emails sent out on April 19th 2018, saying exactly the same.
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dawn
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Post by dawn on Jul 17, 2019 11:29:42 GMT
It was Lendy (may have been other platforms as well?) - I remember finding a way around answering the question but I can't remember quite when it was - last year some time I think.
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dawn
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Post by dawn on Jul 17, 2019 6:44:22 GMT
There was indeed a contradiction but in late 2018 that bit of the policy was changed to just say as per t&C's. No. The page linked a few posts ago still includes the policy that lender bonus ranks above lendy's cut, so the contradiction with the official T&C document remains.
In other words lendy.co.uk/bonus-accrual can either be taken as the conditions that will be used when buying (or declining to sell) a loan part with a bonus attached, or represents a clear case of mis-selling (for which I'd expect to claim against Lendy). Either way, it seems to me that any amount that Lendy has taken in preference to lenders who were owed a bonus should form part of our claim against Lendy and against any parties who extracted profits from Lendy. Thank you both for your replies - not sure whether I should be relieved that I was right to be confused.
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dawn
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Post by dawn on Jul 16, 2019 15:57:53 GMT
Am I misunderstanding something? This seems to imply that the repayment waterfall goes capital then interest then bonus then Lendy's fees. Elsewhere it says Lendy's fees first. There seems to be a contradiction somewhere (it may be in my understanding)? Can someone clarify in simple terms please (as my head seems to be struggling at the moment).
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