toast
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Post by toast on Aug 3, 2018 9:30:51 GMT
Am I wrong in thinking that all ifas's are cash when you transfer them? Yeah, that's correct. There will be no other platform that has the same loans for you to invest in. There's no possibility to do an in-specie transfer as for S&S ISAs.
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toast
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Post by toast on Aug 3, 2018 9:14:44 GMT
Not done the transfer yet as I have to wait till the 5th April and the new ISA year, however Santander will take a transfer from an IFISA to a cash ISA and they do offer stocks and shares ISA's so worth contacting them. At a Push you could just go for a cash ISA with Santander and then move it to a stocks and shares ISA with any provider. Why? Possibly they wanted to do a partial transfer of current-year contributions and needed to wait until the end of the tax year so that the current-year subscription became classed as a previous year subscription. Current-year subscription cannot be split, but previous years can.
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toast
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Post by toast on Aug 2, 2018 22:29:34 GMT
I wanted to do one to Coventry BS but their on-line system only gave options of Cash and S&S, so I messaged them and they replied that I could, but they then told me how to download a transfer form which I did but it turned out to be a cash Isa form. Frankly I don't think that most of the workers in Banks and BSs have ever heard of a IFISA. Were you able to use that cash ISA transfer form to initiate the IFISA transfer or did you give up at that point?
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toast
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Post by toast on Aug 2, 2018 21:16:00 GMT
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toast
Member of DD Central
Posts: 158
Likes: 90
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Post by toast on Jul 26, 2018 12:15:13 GMT
My bid yeilded the following error message along with the car crash image... ... but the bid does show up under the "Bids on New Loans" tab, so seems like it succeeded anyway.
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toast
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Post by toast on Jul 25, 2018 19:33:22 GMT
Could we at least pretend we are going to do some DD? Could we at least have some time to do DD? Whilst the borrower might already be known, I could do with some time to evaluate the security.
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toast
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Post by toast on Jul 16, 2018 17:45:43 GMT
1000039 paid out interest on 13th July and has repaid capital in full today. I don't see an interest payment for the period July 13-16th. Is that correct?
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toast
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Post by toast on Jul 11, 2018 15:23:06 GMT
I transferred a “current-year” IFISA from FS to Ablrate in 17-18. All available cash should transfer immediately. Anything tied up in selling / suspended / defaulted loans should follow on later, once encashed. That's a weird way of doing it. Say you had £100 tied up in FS, then changed your mind about Ablrate, did another current-year transfer from Alrate to AC and closed the Ablrate account. What are FS going to do with the £100 if they manage to release it? They can't send it to Ablrate because you have no account there and they've no idea that you later moved to AC. Maybe the £100 gets send from FS to Abl and then forwarded onto AC? Seems like a fragile process!
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toast
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Post by toast on Jun 29, 2018 9:41:41 GMT
I think these femto-pence wouldn't amount to anything worthwhile even when pooled.
At the same time I'm worried that the fractions of a penny left in my non-IFISA account will one day yield a penny of interest that I fail to declare to HMRC. So I'd like some way to zero them out, just for peace of mind.
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toast
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Post by toast on Jun 27, 2018 9:00:58 GMT
Odd purchase pattern on MTAQ634N again. Looks like same person repeatedly bought £10 at ~55s intervals:
Investor Amount Date p***r £10.00 27/06/2018 02:54:18 p***r £10.00 27/06/2018 02:53:22 p***r £10.00 27/06/2018 02:52:25 p***r £10.00 27/06/2018 02:51:29 p***r £10.00 27/06/2018 02:50:33 p***r £10.00 27/06/2018 02:49:32 p***r £10.00 27/06/2018 02:48:37 p***r £10.00 27/06/2018 02:47:41 p***r £10.00 27/06/2018 02:46:46 p***r £10.00 27/06/2018 02:45:50
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toast
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Post by toast on Jun 24, 2018 12:28:22 GMT
Can't see this filling. Can't see cashback helping. I'm happy to be proved wrong!
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toast
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Post by toast on Jun 3, 2018 9:33:52 GMT
You might have picked up some older loan-parts at lower rates from other lenders who were selling them. In such cases you will receive a payment from the selling lender to compensate you for the lower rate. See Matthew's post here: p2pindependentforum.com/post/264537/thread
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toast
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Post by toast on May 25, 2018 16:35:15 GMT
Can't see this filling. Can't see cashback helping.
MT might need to switch the URLs of this and the W********h loan and let the bots auto-gobble it up!
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toast
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Post by toast on May 20, 2018 5:25:37 GMT
When it was explained that all IFISA purchases would be reported as i***1, I thought "odd, but ok." It now strikes me that we could never spot "suspicious activity" by any bot-weilding IFISA account, nor any regular account with a name of the format i***1. MoneyThing do you think it worthwhile to change the display name for IFISA purchases to match that of regular accounts? You could keep the same i***1 ID internally if you need it for tracking purposes and just change what appears in the UI perhaps? Or maybe each user could have a new, unique "purchaser ID" that could be displayed on all their purchases so we'd have a unique but really anonymous way to spot strange patterns. I guess an alternative would be for the MT system to spot patterns like userX loading certain pages really frequently over extended periods, but a hide-and-seek arms-race with bot authors isn't much fun. Just thinking out loud...
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toast
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Posts: 158
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Post by toast on May 19, 2018 21:56:40 GMT
Afternoon. We have just restricted the user's account. Regards, Ed. Is this a different a***3 in action on same loan? a***3 £800.00 19/05/2018 22:50:14 a***3 £80.00 19/05/2018 19:28:47
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