Duplicate loans in ISA Loanbook

Yes it is safe in that respect but initially I was more concerned that there might have been a corruption of some kind in either my data or worse my processing of it.

It plays havoc with my statement viewing tool in that I assumed that indexing on the borrower_id would be enough and in a sense it is but its a bit odd lining up the relevant payments to the relevant loan in fact its not possible from statements alone and even then joins between statements and loanbook are unable to tell which payments go with which part of the loan.

Its an issue I had when a borrower has more than one loan too - usually at different times so its not hard to isolate the payments to each loan.

It does affect the ability to check the returns on a loan a little but at a given payment date - (the time stamp allows an isolation to a degree) it is still possible to check each monthly return rate. The extrapolation on these do play a little havoc with the average rates though. I may have more work to isolate those and probably won't bother as I just use the statement tool to get a feel for winners and losers rate wise. 

Getting a bit too detailed now though.

Its highly likely pre-funding uses a similar process why would you create a new one. They copy the SG flag across accordingly. Thing is though there is a chance that where you have SG flag set on the Invest side the criteria should be that the SG follows across. It could be though that they have some of the same effects so it will definitely be worth checking those Non SG loans for duplicates and then making a complaint that wasn't the desired effect. In my SG transfer case I had loans of £10-£50 as it was not a problem for diversification at that time. It may be that zopa just split the larger loans in an odd way.