borrower id's trashed in latest loanbook (fixed now)

Also noticed that using the mangled borrower id in loanbook in the search field results in no data being returned whilst using the name from a statements entry does. Not sure what reasoning this might be for. No answer yet from zioa.

I did wonder about whether it might be FCA thing or something similar.

i'm still seeing old id's in statements data so not sure what you mean about it not being there. I can take that old ID data and use it to search for the mangled entry in the loanbook screen. If you meant there is no field with id in then there never has been to my knowledge I'm using the ID in the description field and processing the name into my own id field to use as a linkage. In reality most of what I use statements for is monthly over views but I am also able to see when a last payment has been made and i can produce a payments table for any give lender id. Its slow but it does add more depth to the Comments in the main loanbook. Most people will be unaware that when a small enough payment is declared in the comments field it may not appear in everyone's statement as there may not be enough to go round. Zopa carries this status forward into the next payment to ensure every one gets a fair share across the default.

The thing about anonymity is no one can tell who the loan is for most of them these days and even in old data I can't see how one might identify anyone unless they use a similar id elsewhere in social media perhaps. Even without the ID there are ways to get back to join the loans and statements data together at present.

I don't even mind if they change (obfuscate) the id's persee but at least make it across all the data peices. My only issue would be that this should be a big bang thing across the piece not bit by bit. I can still identify the loans from old data if i wanted to by creating joins to tables on other data in my excel tables - there may be some non unique links but at the moment but I'm reluctant to do that as it may not be necessary depending on why this has happened and the shear amount of data in my statements file is making excel very slow. I'm optimising it as I go but the best i can do is to reduce the processor's it uses to 3 rather than 4 so it doesn't completely take over my pc for 5/10 mins at a time. Adding in extra checks that would be quite complex to get uniqueness would just make it unworkable I think.

I'm only on zopa for P2p so i can't see how this all works on other platforms. Are they similarly affected or is the level of visibilty lower on them. anyway.

The other problem I have is that I have a number of defaults I want to be able to see what state they are at any one point - that would be affected if the granularity was reduced. There are many areas where Zopa is struggling to supply basic info on defaults, bad debt outstanding, early adopter bonus etc. The only place one can see much of this is in statements data.

So I pushed back at Zopa's lack of notification and mismatched changes not reflected across the piece in my response to their comments above. It seems they are listening as shown by this email response to my arguments they were not exactly making these changes in a useful way at least.


Very positive and useful approach in my opinion lets hope they keep to this when any changes occur later in the year I guess.