Loan sales still very slow

That'll do me, the 24 degrees bit,  is my invite in the post!  .  My sons on/off partner is Portuguese and it was quite hairy by all accounts near her village, she's safe now though.
Yeah, I've wondered that one for a while but at the moment I'm not selling anything. I'm hoping this doesn't affect me when selling my loans for transfer of Classic to ISA with SG cover. The cynic in me says that now Zopa is nearly a bank then they will be factoring in the tax free nature of the ISA as well, lets hope I'm wrong.
I've been investing more of late into ISA, keeping the Plus stuff to a very small 10%. At the moment I'm not sure all my current returns rates are not because of long time relend. I'm happy with our just over 5% over the last 2 years with this year (last 12 months) looking like 4.7% ish. The overall return rate is slipping slight over the last 3 years. Just glad I've got early adopter to bolster it as well. 

On the house front you could wait until the bottom inevitably falls out of the markets here and in EU and hopefully pick up a bargain. Mind you the best way to get a bargain is downsize from an expensive area to a more rural, sedate and cheaper area. We were very fortunate we nearly tripled our house size and halved our cost 3 years ago. Mind you we did have the luxury of Chinese Investors at that time wanting properties in Cambridge where we lived. Sadly most of that has apparently dried up of late.

I think we may have drifted a bit from loans chat, but brace yourself the flights are booked, get the kettle on. All I need now are the satnav co-ords .

Not sure I should openly agree with your sentiments on what seems to have been the topic of conversation for the last year or so but for my sins I do. Its starting to make question time a bit boring as these days way too much of the political point scoring blah blah blah makes me think of my days in the real world the term JFDI springs to mind.

We moved to mostly rainy Wiltshire about 3 years ago now. We took a good 18 months searching to find our place. We needed to be on good rail links to london as can't be missing the shows and the shopping - oops don't tell Mrs Aju. Our little ones (not so little these days but still on short elastic it seems) are spread out a bit so we had to be roughly half way between the smoke (London) and Plymouth. We are also near enough to the plains to be able to hear shell fire practice on the plains of of a summers evening.

This rural stuff is bit dog sh*tey everywhere but we are really settled now and for us old codgers - well to be honest not that old but definitely very fortunate - we have never been happier than here. Lanzarote seems to have become a bit of a second home for a week or so every so often. We thought about a HH but after careful consideration decided that for the cost of one we could go on a serious lot of trips to different places across the planet and there was no worry of issues down the line as we'll just spend it all before we pop so to speak.

I would normally agree that voice is better but sometimes - certainly in my experience with Zopa so far and especially with the volume of change at the moment - it can be very useful to have a paper trail. My last 4/5 queries have resulted in them answering inconsistently at the front end and subsequently they have had to go down the s/w tree a bit more to get more accurate answers. 

I personally am not asking them many simple questions most are related to the oddities in the data of the CSV's ( i've given up moaning about the online loanbook, its searching capability is very limited to text fields only). It took me along time to realise that changes in back end processes can mean that the statements.csv alone keeps changing, potentially for all the statements right back to the start of my investment - in my case 2006. Its not new, I first realised when Zopa cocked up the Fees change over in 2015 almost the whole years statements were updated as a result of the fix to make the numbers accurate.

Most of those types of things are quite complicated and many of the things that are brought to their attention change this stuff quite a bit. The comments field alone in the Loanbook csv they change quite a bit but it's less important in the loanbook csvs as they are more a complete entity. Of course there aren't too many people querying this stuff bu all the same a paper trail when one is dealing with 5 figure sums is very important in my eyes.

I'm not sure of your predicament but since the EU forced the rules on roaming recently then all UK mobile contracts should enable free calls (sort of free it comes out of your contract minutes) from EU countries to the Uk. Worked for us in Lanzarote last October with Tesco's anyway. Just a thought, it may well be that you are currently not allowed to have a UK sim depending on your residential status. 

That was very quick. Shame it took them so long to come clean and even worse I wonder how many others were affected...

That's a good PAYG deal, I haven't had one them for a while. In the days we did have one it always seemed that if we didn't make 1 call at least every so often in a designated period they would just suck up the rest of the payg amount and park the sim. You would then have to jump through hoops to get the sim re-activated. It was always hit and miss whether you would get your lost unused payment reinstated though.