littonowl
Member of DD Central
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Post by littonowl on Jan 24, 2018 16:36:34 GMT
Well I see that the former test site, aka the purle horror, is now live. How fortunate that I can run my account virtually hands off - or should that be eyes off. I suppose the problem is basically mine as no one else seems to be too bothered by the horrible, garish, puke indicing, headache causing, mood changing (for the worse), eye stinging colour of this damn site. I signed on for the first lime in a long time to look into creating an ISA. Well as you can imagine I did not get very far before hitting the 'log off' button in disgust. To add to all of that, its now nigh on impossible to navigate round too. The old site was basic, but at least it was (relatively) user friendly. To think someone got paid (and no doubt handsomely!) for this 'improvement' is beyond belief.
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littonowl
Member of DD Central
Posts: 398
Likes: 355
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Post by littonowl on Jan 12, 2018 10:36:36 GMT
The same old (borrower) faces keep cropping up with depressing regularity on various platforms. Disillusioned with both Coll and P2P in general at the moment...
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littonowl
Member of DD Central
Posts: 398
Likes: 355
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Post by littonowl on Jan 11, 2018 10:07:20 GMT
I've known it be much quicker. With barely £100 available per loan, you're only talking 4 bids @ £25. The fact I even got one was a pleasant surprise.
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littonowl
Member of DD Central
Posts: 398
Likes: 355
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Post by littonowl on Jan 10, 2018 12:11:40 GMT
Yep. Also had my first referral fee, which incidentally follows approx. 14 days after the referred customer receives their fee (think it was in the original offer T&C's), in case anyone is interested.
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littonowl
Member of DD Central
Posts: 398
Likes: 355
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Post by littonowl on Dec 21, 2017 13:45:31 GMT
Thanks guys. Coincidentally, its just landed in my account!
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littonowl
Member of DD Central
Posts: 398
Likes: 355
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Post by littonowl on Dec 21, 2017 12:22:57 GMT
How quick does it take for withdrawn funds to land in your bank from Huddle? Did my first withdrawal yesterday afternoon, and despite their 'same day credit' notice re: fastpay, no sign as yet...? I can't even find on the site anywhere to check if my bank details are correct, though presumably it is returned to the source bank? TIA.
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littonowl
Member of DD Central
Posts: 398
Likes: 355
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Assetz Capital (AC)
IFISA
Dec 20, 2017 12:05:37 GMT
Post by littonowl on Dec 20, 2017 12:05:37 GMT
chris Can you please advise if it’s possible to do a transfer of a proportion of my cash balance from a S&S ISA (cash is from previous years contributions). I would like to move across c.50% of my S&S cash balance. Many thanks. I believe so but best speak to our customer service team who will be able to offer proper guidance. Thanks chris , just checked with Ben now and you can...
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littonowl
Member of DD Central
Posts: 398
Likes: 355
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Assetz Capital (AC)
IFISA
Dec 20, 2017 10:58:55 GMT
Post by littonowl on Dec 20, 2017 10:58:55 GMT
chris Can you please advise if it’s possible to do a transfer of a proportion of my cash balance from a S&S ISA (cash is from previous years contributions). I would like to move across c.50% of my S&S cash balance. Many thanks.
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littonowl
Member of DD Central
Posts: 398
Likes: 355
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Assetz Capital (AC)
IFISA
Dec 19, 2017 14:28:12 GMT
n likes this
Post by littonowl on Dec 19, 2017 14:28:12 GMT
I opened mine as soon as I saw the email. I read through the T&C during the sign up process. I wanted to refer back to it because there is nothing on the site to kick off a transfer-in procedure (eg download a form) and I couldn't remember exactly what the T&C said about that. Now I can find no way to see the T&C again unless I am missing something (not the general terms from the link at the very bottom of each page). So, if someone has not registered for their IFISA yet please could they copy & past the terms into notepad then post it here, or PM me please. (And save a copy for yourself!) edit: I sent them an email but no reply yet. They might be a bit busy for some reason. There's a 'Manage Funds' Tab in the top right hand corner of the IFISA part of the site, with drop down options including a 'Transfer ISA' tab. Pressing this brings up an online form to fill out.
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littonowl
Member of DD Central
Posts: 398
Likes: 355
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Post by littonowl on Dec 7, 2017 14:22:45 GMT
Well there's a lot of spare cash looking for a home floating around at the moment so if loans can't get away now then something's amiss. Perhaps too many very high-risk loans with rates that don't match that risk trying to compensate with a small amount of 'cashback'. Investments in this loan under £5k get just 0.25% cashback and I notice the majority of investments are under £1000. If the BHs aren't attracted by an extra 4% then not too surprising that 0.25% or so for the minnows isn't doing it either. Seems many have cottoned on that an extra pound or two for being locked into a loan for six months, or far longer, with the double whammy of being paid no interest while they attempt to sell, possibly for months, possibly throughout the term, isn't much of a deal. Cashback offers for unattractive loans may now be seen as a negative by as many peeps as they encourage. Collateral may need a rethink. For me, that rethink would include the odd bit of bling, every now and again.
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littonowl
Member of DD Central
Posts: 398
Likes: 355
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Post by littonowl on Nov 29, 2017 19:25:24 GMT
I signed up through the Quidco offer last May but emailed Kuflink at the same time to be sure. Kuflink credited my large amount of cashback quickly and directly with no fuss. I never even found out whether the Quidco tracking had actually worked. I did similar but via TCB and contacted kuflink the same day, as I suspected it hadn't tracked properly. Hari and Danny were superb and offered to pay up directly, which they did as promised. As it happens my TCB never tracked either, but as I was new to them, wondered if it'd been something I'd done wrong...seems not, if so many are experiencing it.
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littonowl
Member of DD Central
Posts: 398
Likes: 355
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Post by littonowl on Nov 16, 2017 14:34:18 GMT
You would presume so, dermot , after all the referral email will have been offering £50 at that time, so you would expect Unbolted to honour that. It certainly wouldn't leave a good first impression to any new investor, were they to find only 50% of their advertised new customer reward had been paid. I've just been credited £25 though the email stated £50 for me. Hopefully it's automatic and they'll honour the extra... I've sent them an email, will report back That's poor and disappointing to hear, I would've hoped for better from Unb. If you're getting no joy via email, you could put them on the spot via online chat. Was there an end date to the offer on the T&C's? Without one, you'd think its bordering on false advertising if they aren't prepared to honour the figure sent out in incentive emails.
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littonowl
Member of DD Central
Posts: 398
Likes: 355
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Post by littonowl on Nov 10, 2017 10:38:44 GMT
The silence is deafening here... collateral could you please advise? (even if it might not be what most of us want to hear!) As it stands I'm just withdrawing any cash that accumulates, on the presumption that you're no longer interested in operating in this field, as I'm already bloated with property loans and am craving some diversification. Seems to me Unbolted is the only player in town these days and it has too many lenders as it is already...
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littonowl
Member of DD Central
Posts: 398
Likes: 355
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Post by littonowl on Nov 6, 2017 11:16:55 GMT
I squeaked in and received my £50 on Oct 31st, Presumably the new rate applies for new introductions going forward, not retrospectively as I'm hoping for another payment for a colleague who joined a few weeks back? You would presume so, dermot , after all the referral email will have been offering £50 at that time, so you would expect Unbolted to honour that. It certainly wouldn't leave a good first impression to any new investor, were they to find only 50% of their advertised new customer reward had been paid.
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littonowl
Member of DD Central
Posts: 398
Likes: 355
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Post by littonowl on Nov 1, 2017 14:53:56 GMT
This one looks a little more complicated than most Kuflink loans I've seen to date, so perhaps worthy of its own thread. Basics: Loan purpose: "to assist with the professional and associated fees for the current running and enhanced planning of the security property". Open market valuation £2,830,00090 day valuation £2,264,000Borrowers loan amount £862,500 (full facility £1,002,500)Security: 1st legal chargeKuflink 20% guarantee £172,500 (rising to £200,500 full facility).LTV 35.42% Borrower Repayment History : Two unsatisfied CCJ's.
Olivia kuflink , a few initial questions: 1) The valuation report indicates a Residual Valuation methodology, which I'm by default wary of. I can't see any detail in the VR as to how this value has actually been calculated. Can any further detail be given on that? 2) The property appears to be on the market currently for offers over £2.5m with T***r Estates. If this listing does comprise the full extent of the property (?) would perhaps 80-90% of this not be a more appropriate indicator of true current market value as opposed to using RV? 3) Relating to the purpose of the loan, What is the nature of the enhanced planning that is being sought and requires such a large amount? 4) Is the borrower intending to develop the property, or sell on with the sought enhanced planning? IMV currently, it feels like 6.5% is too light for the risk given the complexity/borrower, although to be fair the security should still cover the loan fairly amply. Though the original email advertised it as 6.5% loan, I note its (now?) being offered at 7.0% on the website...
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