aju
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Post by aju on Feb 15, 2018 19:22:00 GMT
Okay so I checked and it had finished very quickly indeed My time window is as follows. 09/2 18:59 Email prompt that transfer will happen in 2 working days. 12/2 PM Lost all access to both Invest and ISA data. 15/2 15:30 Noticed access had returned, no email to the fact as yet though. So what happened under the hood (statements wise). In invest Zopa Classic Side 13/2 @09:54 772 loans are sold by "rapid return" 13/2 @10:54 All loans for transfer have been sold - @ approx 13 loans per minute. In ISA Zopa Classic side 13/2 @09:54:02 Loans start buying. 13/2 @10:53 all loans are bought up and fully invested. I'm guessing as I haven't got the email yet they are not fully finished as I cannot see any of these new loans in the Alltime csv but they are in the current csv. So the following is interesting - based on current.csv data The new overall interest rates are as follows: Average rate: 4.34% Highest rate: 10.88% lowest rate: 1.46%  I'm still trying to find a way to check the old side and the relevant rates will have to wait for the actual csv file to complete I think. Edit 26/2/2018: Updated incorrect dates in timelines for ISA side
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Post by wyndstryke on Feb 15, 2018 21:45:12 GMT
Crikey that was quick ...
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aju
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Post by aju on Feb 15, 2018 23:22:31 GMT
Crikey that was quick ... Yeah perhaps too quick still no email telling me its done and also as discussed here they do seem to have mangled some parameters in the receiving ISA side. Namely it seems that ISA Plus relend that was pointing at ISA Plus before the SG transfer is now pointed at ISA Core. I changed it quickly as I noticed it but it seems Mrs Aju has missed this for the last 14 or more days of relending. 
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aju
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Post by aju on Feb 17, 2018 14:08:02 GMT
OK so my email came today, 17th, some 2 days after it finished and was released back to visible online. There was a survey option of my impressions of the process. So I fedback to them about the obtuse decision to change all relend to point to Core. Wonder what that will throw up at least they asked me for my email address but I bet they don;t bother to check it out.
Mrs AJu has sent them a snotty email and asked them what they might be going to do to recompense her for the 9 loans that went to the wrong product before we noticed the issue. She only copied it to me before she sent it out so I did not see if she CC'd it to the relevant FCA office. I bet she did she's not been taking too many prisoners these days since she retired from being a PA. ;-)
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Post by misotu on Feb 18, 2018 10:00:31 GMT
Both Mr M and I have emailed to complain and have asked that a) the loans they purchased contrary to our instructions are sold immediately and our funds returned to holding and b) we are compensated for lost interest. We await their reply.
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Post by wyndstryke on Feb 19, 2018 16:32:08 GMT
Once mine completes (hasn't yet), I'd be curious to know how many originally came from AJU. Would give us a clue about the overall size of the pool. Is there any way to tell?
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aju
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Post by aju on Feb 19, 2018 19:51:16 GMT
Once mine completes (hasn't yet), I'd be curious to know how many originally came from AJU. Would give us a clue about the overall size of the pool. Is there any way to tell? Oh that would be interesting as I've not checked how many in my ISA side were actually from my original investment now that's a challenge and a half lining them up. I'm away for a few days with Mrs Aju so perhaps i'll have a look at that one when I return. Not sure whether we can swap lenders IDs or not I guess it's not the done thing. Since we are not even meant to discuss ID's here it seems that perhaps may not be cricket!. Does anyone know whether its not cricket to share book info.
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Post by wyndstryke on Feb 23, 2018 15:28:59 GMT
Mine is still locked, been obsessively checking it every hour or so for the last week ever since I saw yours was unlocked early.
On your timeline, you say the ISA loans were bought on the 18th, was that actually Jan or really Feb? If it was Feb, then it shows that your account was unlocked 3 days too early. If it was Jan, I guess it shows that they've prepared the transfer in advance ready for you.
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aju
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Post by aju on Feb 24, 2018 7:00:35 GMT
Probably a mistake in copy and paste in that I copied the timeline from Mrs aju's report last month, earlier in this thread, and forgot to change some dates. I'm on the road at moment will check when have better access to data. I'm pretty certain it was all on one date 13/2 and it was done on both sides when it was locked out. I think the loans are lined up before they actually start the process as Mrs Aju was done a month before mine even though they were applied for at same time. Hers is less mature than mine though.
Apologies for the bum steer. Mine did come out of lock down much earlier than email arriving and it seemed like there was no info on one one side I think I got distracted during creating the timeline waiting for the ISA side to report and forgot to go back and change. The email came a few days later, All a bit hit and miss for me but seemed to run much smoother for Mrs Aju.
Edit 26/2/2018: I've checked and it was a simple copy and paste error from Mrs Aju's timeline. The date was in fact 13/2 when the ISA side disbursed the sold funds
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Post by wyndstryke on Feb 26, 2018 12:12:48 GMT
... Edit 26/2/2018: I've checked and it was a simple copy and paste error from Mrs Aju's timeline. The date was in fact 13/2 when the ISA side disbursed the sold fundsMany thanks for checking :-) Mine's still in lockdown, and it's been in lockdown since the 14th. I guess it makes sense that mine would take longer than yours since the number of loans is higher & therefore there is more processing involved.
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aju
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Post by aju on Feb 26, 2018 15:16:57 GMT
No probs always glad to help idle Rich Barstewards  . If 10 working days is max then it should be coming out of the woods either tomorrow or wednesday - I'm guessing you are checking it regularly though and also bear in mind the email may be delayed by a couple of days too.
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Post by wyndstryke on Feb 26, 2018 16:59:09 GMT
No probs always glad to help idle Rich Barstewards . If 10 working days is max then it should be coming out of the woods either tomorrow or wednesday - I'm guessing you are checking it regularly though and also bear in mind the email may be delayed by a couple of days too. Every hour or two. Yours was 4 working days, so if my linear-to-loan-count theory is correct then I'd expect mine to be 8. We're on day 9 ...
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aju
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Post by aju on Feb 26, 2018 17:16:15 GMT
No probs always glad to help idle Rich Barstewards . If 10 working days is max then it should be coming out of the woods either tomorrow or wednesday - I'm guessing you are checking it regularly though and also bear in mind the email may be delayed by a couple of days too. Every hour or two. Yours was 4 working days, so if my linear-to-loan-count theory is correct then I'd expect mine to be 8. We're on day 9 ... I see what you mean but Mrs Aju's was 70% less loans than mine and hers took some 6 days. I don't think its that relevant to Nos of loans I think its to do with types, maturity, values, no_loans etc. Both of ours were within £100 of money investment so its probably not that either. Since Mrs Aju'2 was less loans then she probably had loans that were much higher value than mine. My average loan rate on the receiver side was in the region of £6.50, Mrs aju's was about £9.
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Post by wyndstryke on Feb 26, 2018 17:42:16 GMT
OK mine has now been unlocked, just had a scan through. The transfers all happened on the 23rd. and I'm happy with them. But the money from my ISA-to-ISA transfer which had been sat in holding with reinvestment turned off has been lent out in huge chunks (between 15th and 20th Feb). It looks like reinvestment was turned on shortly after my account went into lockdown.  At least it went into core instead of plus. |
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aju
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Post by aju on Feb 26, 2018 18:00:12 GMT
yeah I tracked my transfer a bit closer - I had noticed Mrs Aju's Plus had been moved to relend to Core and misotu had issues - for both of us we received an email last week I think suggesting that the investment paths need to be checked fortunately I noticed it on mine when I tracked the screens before and after.
Mrs Aju got an email a week or so back accepting that Zopa had lent money to the wrong product and they suggested a number of people had the issue which would be addressed accordingly.
I'd send a snotty complaint letter to zopa especially as it lent money when you did not want or expect it to. Thats got to be an FCA no no.
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