ganymede
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Post by ganymede on Jul 12, 2022 18:09:55 GMT
A few days late, but interest has been paid today.
The funds arrived in my current account today 15/7/2022. forgot to say I did the withdrawal request the same day as interest paid.
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ganymede
Member of DD Central
Posts: 299
Likes: 207
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Post by ganymede on Jul 5, 2022 13:59:43 GMT
I had a look at mine and it's the highest amount ever, that's going back to Jun 2018.
I also downloaded the transactions as CSV file, put into spreadsheet,
sum on date ranges for the interest column, while 7p out in Jun compared to number in the tax statement, that could be down to rounding errors. There is 1p in bank interest that doesn't explain the 7p difference.
I look for negative in the interest column. Looking at all the transactions I don't have a single negative in the interest column
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ganymede
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Post by ganymede on Jul 5, 2022 10:15:43 GMT
There is no 2nd Loan to compare against or I can't see one, viewing the loan information, show an active loan, but the loan numbers are the same the loan refers to itself. There would have to be two active loans listed.
I did get my top up deposit and have bought a little more, leaving some cash for other loans.
The new loan *****A9CC links to Asset Pool 8. The repaid loans *****8CEC, ****8CDF and *****8CD7 (and possibly others that I wasn’t lending to) all link to Asset Pool 2, which has an identical contents list (including watch reference numbers) to Asset Pool 8. So it's clearly a refinance of the same assets. It seems very odd that the new loan isn't directly linked to the repaid loans as being to the same borrower. Perhaps a new borrower has taken over the business of the old borrower (pure speculation). *****8CEC, ****8CDF and *****8CD7 I was only looking at loan information of *****A9CC, checking on those loan they might be the same assets, those loans are marked as default in my records of 30 Jun 2022, they now show as repaid on 4 Jul 2022. I wasn't in any of these loans, so didn't see any repayments, maybe I missed buying into these at the time. I would agree with a new borrower, that might have settled the loans in defaults as part of the take over, all speculation.
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ganymede
Member of DD Central
Posts: 299
Likes: 207
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Post by ganymede on Jul 4, 2022 18:45:29 GMT
I looked and this appears to be a new loan / borrower it's taken all off my spare cash already, correct the cash balance is zero, it could be there are delays in adding all the loan information, I can't recall that happening before.
I have done a bank transfer to top up, but doubt it will be processed until tomorrow. It's not clear, but I'm pretty sure it's a renewal. The asset pools for both loans look to be the same from a quick scan There is no 2nd Loan to compare against or I can't see one, viewing the loan information, show an active loan, but the loan numbers are the same the loan refers to itself. There would have to be two active loans listed.
I did get my top up deposit and have bought a little more, leaving some cash for other loans.
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ganymede
Member of DD Central
Posts: 299
Likes: 207
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Post by ganymede on Jul 4, 2022 16:39:28 GMT
Lots of availability (£68k) to manually invest in a working capital loan right now. This is a loan that's just renewed. For those who aren't familiar with the mechanics, it can be a bit confusing. Notice of, and auto allocations to, the new loan happened earlier in the day. If you looked at your account then you may well have seen a zero cash balance and thought you were fully invested. However, later in the day the previous loan repays, which can then increase your cash balance without any further notification. This has now happened, so it's worth logging in now to see if you want to increase your allocation manually to the new loan. I looked and this appears to be a new loan / borrower it's taken all off my spare cash already, correct the cash balance is zero, it could be there are delays in adding all the loan information, I can't recall that happening before.
I have done a bank transfer to top up, but doubt it will be processed until tomorrow.
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ganymede
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Post by ganymede on Mar 28, 2022 11:01:36 GMT
You may need to login first for link to work...
I've had to added to funds twice during March so far, had been considering adding a third amount. I did some graphs to see...
Was spell Aug/Sep 2021 when there were no gold loans. Graph bit rushed...
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ganymede
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Post by ganymede on Mar 27, 2022 21:09:25 GMT
You may need to login first for link to work...
I've had to added to funds twice during March so far, had been considering adding a third amount.
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ganymede
Member of DD Central
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Post by ganymede on Mar 14, 2022 11:40:41 GMT
Hi. I’m doing some digging into the wider Huddle Entity and the people who set it up. I see that there was a loan to a company called something like ‘Brought Club/Night Club. Does anyone know this loan, and if so what was the full company name (and if you have it registration number) of the borrower? Thank you. You could search the forum, your find 1000057 - 'B***** N***** with the various comments, the final one being repaid.
The way to get details is become a DD member then go to the General DD Discussion Forum, your see Huddle, sub-forum, then under that is the Huddle Loan Book with links. To use the links, first login to your Huddle account then, click on the link, for Loan 1000057, should still be able to see the various documents, repayments, works for myself.
Details aren't put on this public forum, moderators are likely to remove them, DD forums are private, and for active forum members for exchange details.
Your need to add a security except for huddle as their certificate has expired.
Not sure why your asking either, as said the Loan has been repaid, as such any matter concerning P2P are no longer relevant, you could speak to Huddle directly to obtain information.
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ganymede
Member of DD Central
Posts: 299
Likes: 207
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Post by ganymede on Mar 9, 2022 13:26:01 GMT
Just got email, money now in account Ditto here, and now directed to my bank. Then to be set to work again. Likewise, no temptation to even look at asmx. New Tax year is not far away S&S ISA, and Pensions to fund.
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ganymede
Member of DD Central
Posts: 299
Likes: 207
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Post by ganymede on Mar 2, 2022 13:17:17 GMT
Looks like there login page is no longer secure which is a bit worrying ? Has been for a long time, 11 months iirc. I think this is because they didn't renew the certificate, but I'm not sure. I still login to make withdrawals. I get the following
The previous expired certificate was renewed, after quite a long period as I recall, we are getting on towards 3months without any action.
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ganymede
Member of DD Central
Posts: 299
Likes: 207
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Post by ganymede on Mar 1, 2022 11:43:36 GMT
Another good example of AC maximising their returns whilst lenders suffer. #528 recently repaid leaving lenders with a small capital loss - £80k on £1.8M on a loan with a 46% LTGDV and PGs for 10%; however lenders also had a loss of interest of £400k whilst AC recovered c£100k in monitoring fees + a £36k arrangement fee. I've just looked and have result of #528 in my cash account today. I've made the withdrawal ASAP, leaves me less than £25 in AC down from at one point over £30k. Can't be too concerned about the losses overall getting out capital is the first priority, then with something to show for the years of using AC. Still hope to see something back from what's remaining. Main thing, got out well ahead with a trifle left behind, and little intention of returning to AC in it's current state.
New month and my £25, has reduced to just under £10.50, there is this £87 accrued interest, and the £14 withdrawal request has been made, I like being able to select other reasons, this time it "Lost Faith in Assetz Capital".
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ganymede
Member of DD Central
Posts: 299
Likes: 207
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Post by ganymede on Feb 10, 2022 15:44:55 GMT
Another good example of AC maximising their returns whilst lenders suffer. #528 recently repaid leaving lenders with a small capital loss - £80k on £1.8M on a loan with a 46% LTGDV and PGs for 10%; however lenders also had a loss of interest of £400k whilst AC recovered c£100k in monitoring fees + a £36k arrangement fee. I've just looked and have result of #528 in my cash account today. I've made the withdrawal ASAP, leaves me less than £25 in AC down from at one point over £30k. Can't be too concerned about the losses overall getting out capital is the first priority, then with something to show for the years of using AC. Still hope to see something back from what's remaining. Main thing, got out well ahead with a trifle left behind, and little intention of returning to AC in it's current state.
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ganymede
Member of DD Central
Posts: 299
Likes: 207
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Post by ganymede on Feb 10, 2022 14:33:40 GMT
Article in P2P Finance news
It's not the journalists at P2P Finance News that need reassurance. Shouldn't leaders get that reassurance directly and not have to read about it. I still use unbolted, and for the small amounts you can lend via unbolted.
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ganymede
Member of DD Central
Posts: 299
Likes: 207
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Post by ganymede on Feb 10, 2022 13:57:06 GMT
Some interest has appeared in my account. Made the monthly withdrawal request.
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ganymede
Member of DD Central
Posts: 299
Likes: 207
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Post by ganymede on May 2, 2021 20:47:31 GMT
I would like to be added to your list, and sent a PM. please. Thank you for your efforts.
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