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Post by charlata on Oct 21, 2017 18:47:52 GMT
Mmm.
I will never again leave my laptop switched on when my little mischievious b******d of a nephew is lurking around the house 
/mod hat on Yes, I'd really be more careful, since too much colourful language will result in a posting holiday .. or was that what you were trying to discover 'how much gratuitous rubbish can I spout before I get banned'?? p.s. you can't spell mischievous either. I hope this isn't gratuitous rubbish, but unless my dictionary is brooken, 'mischievious' is a perfectly acceptable spelling of mischievous.
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guff
Posts: 730 
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Post by guff on Oct 21, 2017 19:05:33 GMT
jonno Why would you describe yourself as such?  Mmm.
I will never again leave my laptop switched on when my little mischievious b******* of a nephew is lurking around the house
Is his sister there as well?
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Post by martin44 on Oct 21, 2017 19:14:53 GMT
Mmm.
I will never again leave my laptop switched on when my little mischievious b******* of a nephew is lurking around the house
Is his sister there as well? Hope she doesn't brook his laptop. 
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littleoldlady
Member of DD Central
Running down all platforms due to age
Posts: 3,045
Likes: 1,862
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Post by littleoldlady on Oct 21, 2017 19:19:40 GMT
I am worried that word is getting out that there are platforms prepared to lend other peoples' money without doing a fraction of the checks that traditional lenders would do. I expect to see more loans which would be greeted with derision by High Street Banks. A QS friend of mine says that the AC reports are badly lacking in detail and responsibility, and they are IMO the best of any platform that I have used. We are given so little information and no means of checking the little that is given and no individual lender, even a BH, could justify the cost of employing his own QS, and the platforms don't bother.
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guff
Posts: 730
Likes: 707
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Post by guff on Oct 21, 2017 19:23:43 GMT
I am worried that word is getting out that there are platforms prepared to lend other peoples' money without doing a fraction of the checks that traditional lenders would do. I expect to see more loans which would be greeted with derision by High Street Banks. A QS friend of mine says that the AC reports are badly lacking in detail and responsibility, and they are IMO the best of any platform that I have used. We are given so little information and no means of checking the little that is given and no individual lender, even a BH, could justify the cost of employing his own QS, and the platforms don't bother. Col have said they are about to employ an experienced one.
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Steerpike
Member of DD Central
Posts: 1,977
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Post by Steerpike on Oct 21, 2017 19:57:18 GMT
I am worried that word is getting out that there are platforms prepared to lend other peoples' money without doing a fraction of the checks that traditional lenders would do. I expect to see more loans which would be greeted with derision by High Street Banks. A QS friend of mine says that the AC reports are badly lacking in detail and responsibility, and they are IMO the best of any platform that I have used. We are given so little information and no means of checking the little that is given and no individual lender, even a BH, could justify the cost of employing his own QS, and the platforms don't bother. I think that Assetz do a pretty good job, but Invest & Fund issue the best reports that I have seen in P2P.
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oldgrumpy
Member of DD Central
Posts: 5,087
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Post by oldgrumpy on Oct 21, 2017 20:24:23 GMT
/mod hat on Yes, I'd really be more careful, since too much colourful language will result in a posting holiday .. or was that what you were trying to discover 'how much gratuitous rubbish can I spout before I get banned'?? p.s. you can't spell mischievous either. I hope this isn't gratuitous rubbish, but unless my dictionary is brooken, 'mischievious' is a perfectly acceptable spelling of mischievous. It was a "variant" centuries ago, probably due to less standardisation of spelling, and pronunciation. People now who think mischievious is correct probably do not speak the word mischievous in the current standard accepted way themselves, therefore the added "i" will have its purpose especially when writing direct speech. Buy the weigh, witch dictionary are you using? Even Dr Samuel Johnson spells it "mischievous" by 1756.  (..and yes, he did omit "sausage"  )
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ben
Posts: 2,020
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Post by ben on Oct 21, 2017 21:33:30 GMT
Before any smart a*se says “you invested £3k in an arcane MT loan this week let me make it clear that the £3k is “parked” there awaiting better opportunities elsewhere and will be out of said loan before the end of this month. Caveat Emptor.  So basically you are hoping a bigger idiot comes along to take the junk of you that you did not even want in the first place, and yet people complain that some borrowers are a bit dodgy.
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Post by martin44 on Oct 21, 2017 21:43:39 GMT
Before any smart a*se says “you invested £3k in an arcane MT loan this week let me make it clear that the £3k is “parked” there awaiting better opportunities elsewhere and will be out of said loan before the end of this month. Caveat Emptor. So basically you are hoping a bigger idiot comes along to take the junk of you that you did not even want in the first place, and yet people complain that some borrowers are a bit dodgy. Erm.. No ben not idiot's , there are investors that will see this as a good investment, and when spectra wants to offload , the buyers will buy it, if and only if they see it as good buy. Otherwise he will be stuck with it.
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ilmoro
Member of DD Central
'Wondering which of the bu***rs to blame, and watching for pigs on the wing.' - Pink Floyd
Posts: 11,330
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Post by ilmoro on Oct 21, 2017 23:11:27 GMT
I hope this isn't gratuitous rubbish, but unless my dictionary is brooken, 'mischievious' is a perfectly acceptable spelling of mischievous. It was a "variant" centuries ago, probably due to less standardisation of spelling, and pronunciation. People now who think mischievious is correct probably do not speak the word mischievous in the current standard accepted way themselves, therefore the added "i" will have its purpose especially when writing direct speech. Buy the weigh, witch dictionary are you using? Even Dr Samuel Johnson spells it "mischievous" by 1756. (..and yes, he did forget "sausage" ) Crikey spelling seems have moved on since my day 'brooken' 'buy the weigh' 'witch' :-D
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Post by charlata on Oct 22, 2017 7:06:33 GMT
I hope this isn't gratuitous rubbish, but unless my dictionary is brooken, 'mischievious' is a perfectly acceptable spelling of mischievous. It was a "variant" centuries ago, probably due to less standardisation of spelling, and pronunciation. People now who think mischievious is correct probably do not speak the word mischievous in the current standard accepted way themselves, therefore the added "i" will have its purpose especially when writing direct speech. Buy the weigh, witch dictionary are you using? Even Dr Samuel Johnson spells it "mischievous" by 1756. (..and yes, he did forget "sausage" ) I use the dictionary of usage carries all else before it. This suggests 50:50, but I suspect the sample size is small (probably 34). I say or spell mischievous with an "i" when I want to be mischievious: a naughty 'mischievous'  .
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m2btj
Member of DD Central
Posts: 632
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Post by m2btj on Oct 22, 2017 9:32:09 GMT
I can live with the fact that risk is a part of high return but I find it unacceptable that some platforms deliberately mislead or manipulate loan offerings. Misleading VR's & a deliberate omission of facts borders on fraud & sooner or later an investor(s) is going to challenge a platform in court. Caveat emptor it is, but I would add platforms beware, you are sailing close to the wind!
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ben
Posts: 2,020
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Post by ben on Oct 22, 2017 10:03:13 GMT
So basically you are hoping a bigger idiot comes along to take the junk of you that you did not even want in the first place, and yet people complain that some borrowers are a bit dodgy. Erm.. No ben not idiot's , there are investors that will see this as a good investment, and when spectra wants to offload , the buyers will buy it, if and only if they see it as good buy. Otherwise he will be stuck with it. He has assessed it as junk as he does not want it and is not willing to hold it, bit like me trying to sell my car once I know its falling to bits, hoping that someone either desperate or does not know what they are doing comes along to buy it. He already knows it is not a good investment. When you look at the Lendy part of the forum it is full of people complaining that the secondary market is not instant like it used to be. People that buy more with the intention of selling it later are not investing they are gambling and trying to play the market some people do very well and like gambling plenty of people do not.
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ozboy
Member of DD Central
Mine's a Large One! (Snigger, snigger .......)
Posts: 3,168
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Post by ozboy on Oct 22, 2017 13:24:26 GMT
I can live with the fact that risk is a part of high return but I find it unacceptable that some platforms deliberately mislead or manipulate loan offerings. Misleading VR's & a deliberate omission of facts borders on fraud & sooner or later an investor(s) is going to challenge a platform in court. Caveat emptor it is, but I would add platforms beware, you are sailing close to the wind!Couldn't agree more! And some are already tacking.
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Post by biscuitbri on Oct 22, 2017 14:41:19 GMT
Or is that tacky?
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(..and yes, he did omit "sausage" 
)
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