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Post by newlender on May 2, 2018 8:27:42 GMT
My ISA Earnings box ( I clicked on the little ? mark) is showing an increase in defaults of about £9 overnight. Thing is that neither my Statements nor my Loan Book show this default and I've no idea where it's come from. Has anyone else experienced this? I expect it will appear in due course, but it's a bit strange that defaults can't be seen immediately in Statements or Loan Book, just on the Summary page. Similar to the disparity between Summary and Statement totals - mine's always about £10 out.
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benaj
Member of DD Central
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Post by benaj on May 2, 2018 8:40:36 GMT
Blame the IT, this happens on other platform too.
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aju
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Post by aju on May 2, 2018 15:21:13 GMT
My ISA Earnings box ( I clicked on the little ? mark) is showing an increase in defaults of about £9 overnight. Thing is that neither my Statements nor my Loan Book show this default and I've no idea where it's come from. Has anyone else experienced this? I expect it will appear in due course, but it's a bit strange that defaults can't be seen immediately in Statements or Loan Book, just on the Summary page. Similar to the disparity between Summary and Statement totals - mine's always about £10 out. Yep it will probably appear later today or tomorrow. The reporting cycles may be a bit out of sync for statements and loanbook. I find this to be the case when there are people whose loan date falls on 29/30/31 when there are less days in the month too.
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Post by newlender on May 3, 2018 4:43:03 GMT
Interesting! I looked back over all my statements and this had been deducted from January's total income (but only this week). It is a borrower who took out an IVA just before Christmas but who has clearly not managed to keep up the payments. The comments in my CSV sheet for my other defaults show the loans as assigned to Zopa Ltd. but this one still says he's got an IVA. So anyone who keeps track as I do will need to be aware that a defaulting IVA will be deducted from the interest total of the month it was arranged - in my case 4 months ago.
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aju
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Post by aju on May 3, 2018 7:50:16 GMT
Interesting! I looked back over all my statements and this had been deducted from January's total income (but only this week). It is a borrower who took out an IVA just before Christmas but who has clearly not managed to keep up the payments. The comments in my CSV sheet for my other defaults show the loans as assigned to Zopa Ltd. but this one still says he's got an IVA. So anyone who keeps track as I do will need to be aware that a defaulting IVA will be deducted from the interest total of the month it was arranged - in my case 4 months ago. That's a bit worrying for someone like me, i keep copies of my statements both at the online monthly level but also at the transaction level. In the past zopa has fixed things inside their data that has resulted in statements updates but this means my month level stats will be out as well. This could be quite a hit if the lent amount is large. That also could have a tax issue, fortunately i haven't done last years yet. I already have to copy some tax changes in from last year for other reasons as well. Edit: I decided to have a look at my IVA's as I have 3 of them and lo and behold I have one in January I didn't have when I recorded the statement into my rolling spreadsheet in February. I must now go and check my 2017/18 statement for tax purposes as that is almost certain to have changed as well. Oops just remembered there are no tax implication in ISA ;-( .... and I can't find any IVA's in my Invest side at the moment. Will need to check Mrs Aju's as well - she does not pay tax but the data will be out. Another thing I noticed is that my stats are out every month since the change - I wonder also if the change is a recent backdate, i.e. they changed some statements code as I can see that Mar has changed too by similar amount to January almost like it was in March then moved to January. Also could be that someone changed the date on data we can't see unless they put it in Comments field.
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