|
Post by bonfemme on Apr 12, 2017 5:52:26 GMT
My FS Tax Statement is really exciting it shows that I lost £14 more than the interest I have earned. Not bad considering I have on average had a very significant five figure sum invested for the last year! I am well aware that many of the "losses" are likely to be recovered but that means I will be pilling up problems for the next tax year. My accountant is going to love this and no doubt will up my bill for all the extra work she will have to do. Huh, is that all? My losses were £89.43 more. That's a platform first for me in seven years of investing.
|
|
|
Post by bonfemme on Apr 1, 2017 5:28:21 GMT
Felt like I'd been given a lovely Easter egg but the box was empty. (can't remember the last time I fell for one of those)
|
|
|
Post by bonfemme on Mar 31, 2017 5:29:46 GMT
I'll raise that to six.
After only a year with FS, I now have 18 overdue and unredeemed loans. However, this figure still compares favourably with my history of RBRs and defaults on FC one year in.
Edit: That was back in 2012. I don't do FC anymore. (Don't want anyone to think I'm that stupid).
|
|
|
Post by bonfemme on Mar 19, 2017 7:08:18 GMT
I had to nudge them about my first referral, and subsequently received the reward. But I had to contact them three times about my second referral. Twice I was told the person referred didn't exist in their records. Frustrated and annoyed, I contacted them a third time giving them the full name, address and account number and eventually they paid up.
|
|
|
Post by bonfemme on Mar 13, 2017 10:32:06 GMT
|
|
|
Post by bonfemme on Mar 13, 2017 9:03:19 GMT
Admin Not sure where to post this, but the website link to SS on the home page has been broken for the last few days.
|
|
|
Post by bonfemme on Mar 7, 2017 6:47:15 GMT
About a year ago, when I was totally fed up with FC, I sold most of my juicy much-loved loan parts (3pc mark up of course), and sort of regret some of my pique. I'm sure I had an A+ at 15pc. For some reason (probably because they were in processing) I have a handful left that I hung onto. Got an A (8637) at 14.8.
|
|
|
Post by bonfemme on Mar 6, 2017 6:42:17 GMT
dan, it was L***** P****** S*****• Have you the loan number so I can enter it in the active and past loans page, thanks. Phil The loan number is 2198963072
|
|
|
Post by bonfemme on Feb 20, 2017 13:33:11 GMT
Have to hold my hands up here ..... the pre-populated withdrawal form had reverted to the details of a bank account I had used previously. Sorry Saving Stream.
|
|
|
Post by bonfemme on Feb 17, 2017 12:27:36 GMT
I made two withdrawals on Wednesday morning - about 7am - which still haven't been received. Other later withdrawals have been (same bank). Have queried it and awaiting their response. Did your 2 withdrawals on Wed morning happen to be for the same amount ? Hi lobsterNo.... one was for £200 and one was for £400. Both definitely before 8am about 30 minutes apart.
|
|
|
Post by bonfemme on Feb 17, 2017 11:26:03 GMT
I made two withdrawals on Wednesday morning - about 7am - which still haven't been received. Other later withdrawals have been (same bank).
Have queried it and awaiting their response.
|
|
|
Post by bonfemme on Feb 3, 2017 10:24:32 GMT
I'm really surprised that this poll hasn't been closed and a new one started. It's unrealistic to presume that votes cast 4 months ago by people who are possibly no longer active on this forum and unaware of current developments, can still be considered valid. Things have moved on, the situation changed, so may have their opinions. And that counts for both sides of the debate. GSV3MIaC - any thoughts on closing the poll and perhaps launching a new one? If you could somehow insert it / merge it into the "THE TIME HAS COME THREAD....", that would be handy. I've been wondering exactly the same thing. The votes supporting pre-funding have caught up quite a bit, and I think a new poll would show more in favour of pre-funding at the present time. Having said that, I have a feeling the decision will already have been made.
|
|
|
Post by bonfemme on Feb 2, 2017 6:49:01 GMT
Please keep things as they are. As someone with less than nimble fingers I was initially worried that I wouldn't get a look-in during a FFF free for all at 4.00 p.m., but on almost every loan it's been easy to pick up the amount I wanted. The secondary market I've found tricky around 4.00 p.m. (that's when fast fingers really do help), but I've managed to grab positions on the SM at various other times of the day or night, building up a £10K portfolio of loans in just three weeks in primary and secondary markets combined, so there's no reason why not being near a computer at 4.00 p.m. should be an insurmountable obstacle to acquiring loan parts. Lucky you. I'm lucky too at being able to log on at 4pm. But why should one group of people have an advantage over others when there is a very simple solution to ensure everyone is able to invest something, if not all, of what they would like. Building up a portfolio might not be "insurmountable", but there wouldn't be any obstacles to surmount if pre-funding was introduced. It seems obvious that those who are able to sit over their PCs at 4pm don't want their advantages taken away ....... but what about the factory workers, mums getting kids from school, pilots, doctors, nurses, lorry drivers, etc. etc, etc ......... Anyway, who wants to be constantly logging on and off at various times of the day or night in the hope of picking up the scraps here and there that the 4pm-ers regurgitate each time a new loan is launched.
|
|
|
Post by bonfemme on Jan 31, 2017 9:58:57 GMT
Suggest following amendments but basically keeping Things as they are; increase capacity of server remove bots as far as possible remove multiple accounts from same IP address and/or same bank details reduce bit size to ensure, as far as possible, a 2nd 24hr slot reduce bit size by 50% for second 24hr period. ps really pleased last loan had no connection with any previous loan, more of those please, and to all Things well done. I would be furious if I was banned from having an account simply because my partner has one. We are individuals with individual saving/investment plans, and not clones of each other. And yes, when he's at work and busy, I do put in a bid for him.
|
|
|
Post by bonfemme on Jan 31, 2017 7:21:31 GMT
I implore you not to change the system into an SS type of system where people can be running multiple accounts in the names of their children and dogs and Partners and set them all to prefund, go to sleep and snatch masses of the allocation and game the system to others disadvantage. I don't see how the current system makes it any harder for people to operate multiple accounts, given we all seem to be in favour of limits that make the loans available for a few hours at least. It is no real hardship for someone to log in with account A, place a bid, then log in with account B etc if the loan is available for several minutes and the server can handle the frenzy. So the only solution would be to set limits high enough that popular loans will fill in seconds so that those multiple account holders (if any exist) do not have time to place a bid from more than one account. But at the same time you are favouring those with the fastest internet connections and those who can get a technological advantage over others with bots. Neither the current system, nor any of the proposed pre-funding systems suffer this problem. You're never going to stop people from operating accounts in the name of others with their permission and cooperation. However, MT could make this a bit harder by verifying the registered bank account belongs to the individual named on the MT account before the first withdrawal to said bank account is permitted. On the subject of automated bots, prefunding is one of the solutions to that problem, if that is indeed a problem. What creates the problem is a system like the one we currently have. No bot can get an advantage if bids are placed in advance and the MT server allocates the parts based on those advanced bids. Those who are really concerned about bots would favour an AC-like system of prefunding for both primary and secondary markets, which would make the use of bots completely redundant. Totally agree with everything you say. The current 4pm feeding frenzy needs to end.
|
|