Anyone actually moved their Classic to ISACore with SG cover

I did keep a bit of an eye on loan duplication when Mr M and I were both lending out in Core. It happened surprisingly infrequently in our case, and we don't have more than £20 lent out to any one borrower between us, so I was pretty sanguine about it. Hopefully that's the case with you and Mrs Aju.

Ouch!

Mind you, I was complaining like hell about Mr M's slow lending at the time, while my funds shot out of the door whether repayments or new money. And my return remained stubbornly 0.3% below par while his was 0.2% above, with the algorithm seeming extremely reluctant to match him to the low-return A* borrowers. So perhaps all those discrepancies benefited us a bit, duplication-wise.

Statistically, duplication shouldn't make any difference to the overall return given the microloan size and sums involved, as you know. It's just a bit unrewarding to have so many dupes after all the effort to keep the exposure to £10 per borrower! But I haven't bothered to do a proper analysis of dupes for Mr M and I, in the long run it won't matter.

Thanks for the information aju, this is very helpful.

So when did Mrs aju regain access to her account? From what you've said, she lost access on the 18th but all the loans were bought and sold on that same day, although the confirmation email didn't arrive for over a week. Did she get access back on the 19th or not until the date of the confirmation email?

misotu no you dont get any access until email arrives, she was checking every day religously. 

I agree with wyndstryke to a point. I think zopa probably ran them as separate processes and then ran checking routines that verified the actual loans were acceptable and fit all the relevant criteria.

Be interesting to see what happens on the Isa-isa transfer, thats what i plan to do as well later when the sg transfers are completed for me.  I must try to do them both staggered this time to reduce duplicate loans across our products.

Its got even curiouser as we delve more into Mrs Aju's ISA-Classic data. She seems to have a number of loans that at first glance look like they are duplicate entries but in fact they are separate loans to the same borrower made on the same day but with fractionally different lend amounts. Some look identical so I guess the transfer mechanism has in fact created 2 loans out of sequence with each other based on the rate and length match etc.

The thing is its made it very difficult to be able to see what loanbook entry is associated with what payments detail in the statements data at these duplicate loan levels. At this level it's not too much of an issue but there are loans across different products as well so splitting them out is also problematic. 

I was trying to develop a method using statements data and the "Closed" state in the loanbook to identify the closed date of any given loan. I was hoping to automate it but I guess I'll have to go back to the drawing board on that one for the moment - or badger Zopa again to provide the relevant closed date for a loan in the loanbook CSV, to be honest I can't see why they do not provide this other than so we can't see how a given loan really performed. 

These duplicate loans also look a bit odd in the online loanbook as there is little to distinguish them with the fields presented on screen. I have one loan that has 3 parts and onscreen it looks identical and more like a duplicate entries. Only when looking in the finer CSV detail can one see that this is not a duplicate. In one case though even at CSV the loan book looks like duplicate entrys. Only looking at the even finer statements level can one see there are 3 entries for disbursal and 3 capital/interest entries per chunk of the loan. Even then it were not for the three timestamped entries in the statements file 
it would look more like a duplication, in this instance the lender rates seem identical but perhaps there are slight rounding/dp anomalies making it impossible to consolidate them together.

As there are some duplicates across Core and ISA Classic as well I wonder if there are more instances than I realise. Its more of an issue in the Non SG covered stuff I guess.

#metoo!, yeah I got one of those emails as well. Hopefully I will be able to get copies of everything immediately before and afterwards this time. 

I've been checking out some stuff in Mrs Aju's process that completed last week. At the moment the statements do not seem to be recording that the money has gone from the Invest side to the ISA side. Its interesting as up to this point statements reflect money in - Disbursal sees this - but I can see when the Invest side loans were sold but the money leaving does not get recorded as far as I can tell.