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Post by wyndstryke on Jun 25, 2018 16:58:54 GMT
Mine isn't showing suspended, but whenever I try to transfer money from holding into core I get an error 500 and get logged out (tried on the weekend and today). Most likely there is some common underlying issue. The error 500 problem is now resolved for me (I wasn't affected by the suspension issue).
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Greenwood2
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Post by Greenwood2 on Jun 25, 2018 19:25:15 GMT
Mine's back.
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zlb
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Post by zlb on Jun 25, 2018 21:46:34 GMT
Thank you aju I'd observed this stuckness around certain quantities. But when I reported it(non movement of quantities, when I had reinvesting turned off) to them, they brushed me off. Going to show how valuable this forum is, and that the level of knowledgeable service from Z depends upon the individual who answers one's email. |
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aju
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Post by aju on Jun 25, 2018 23:31:08 GMT
Yep mine is back too. The interesting thing is the Statement reports that I keep on a monthly basis have changed quite a bit in that the investment total starting point last week for Invest January 2015 has increased by £4.24 as result of this change. It's a bit of a pain figures wise as that means I have to go and check all of them back to Jan 2015 (I put a checksum field in but then copied that field into the end of month total manually. It always checked the same so I need to make a slight calculated change but its a pain none the less.
I'm also wondering if this will have changed the statements csv that I download concatenate and use for my individual loan checker tools.
I'm struggling to see how a loan from back in 2015 would have been an issue but I'll dig a bit to see what it is.
edit:
Okay so i've just done a quick check back to Jan 2015 and there is a really big issue starting to show up in that the changes flagged through will mean changes to interest for at least 2015-2016 as far as I can tell so far. Its getting late now so i'll have to check more tomorrow but there must be an impact on Tax for many people potentially - hopefully Zopa is going to flag this to those affected in some way although to be honest the firefighting on this alone probably means they are not even aware of the potential back tax implications of this fix.
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Greenwood2
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Post by Greenwood2 on Jun 26, 2018 6:42:03 GMT
Yep mine is back too. The interesting thing is the Statement reports that I keep on a monthly basis have changed quite a bit in that the investment total starting point last week for Invest January 2015 has increased by £4.24 as result of this change. It's a bit of a pain figures wise as that means I have to go and check all of them back to Jan 2015 (I put a checksum field in but then copied that field into the end of month total manually. It always checked the same so I need to make a slight calculated change but its a pain none the less. I'm also wondering if this will have changed the statements csv that I download concatenate and use for my individual loan checker tools. I'm struggling to see how a loan from back in 2015 would have been an issue but I'll dig a bit to see what it is. edit: Okay so i've just done a quick check back to Jan 2015 and there is a really big issue starting to show up in that the changes flagged through will mean changes to interest for at least 2015-2016 as far as I can tell so far. Its getting late now so i'll have to check more tomorrow but there must be an impact on Tax for many people potentially - hopefully Zopa is going to flag this to those affected in some way although to be honest the firefighting on this alone probably means they are not even aware of the potential back tax implications of this fix. My records are not detailed enough to check any of this, my tax statement hasn't changed, has yours?
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aju
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Post by aju on Jun 26, 2018 7:55:59 GMT
@greenwood2 No my zopa tax statement for 2017/18 does not seem to have changed as yet. Thing is this change will need to be flagged in next year for many people. In my case i have not sent mine in yet but its nearly time and i havent a clue when ill update my data and to be honest its up to zopa to report correctly
I cant check the whole year yet, time needed to update my statement tables as my records suggest there is a change on my 1st statement data for January 2015, the start of the zopa info available. Looking at the 1st 3 records there are slight changes to interest. I have records of the years data and will check them too. The thing is the main change of >£4 on the initial total indicates there may be interest changes earlier than iwe can see with current zopa data etc
A part of me wants to update this lot but unless zopa can tell me exactly what the change has been in detail. None of us has a chance of knowing what has changed. What i do know is that my totals were all correct prior to Thursday and now they are not some that i have checked has changed interest!.
edit:
Okay so the main change £4.24 increase in total I can't see as its prior to statement data on Zopa reports.
2015 has -1p interest for whole year compared to before this change but very curiously the "repayments from default" have not changed. This obviously 6 of 1 and half a dozen of others but odd none the less.
2016 has a penny interest increased, default rtnd increased by 44p
2017 has no increase in interest and defaults retnd was not changed.
So what part of the changes that are interest is not conclusive as I didn;t actually record that info in the 2015/16/17 reports also it should be borne in mind that they are not Tax based but yearly based.
I need to do more checks on monthly's but to be honest I wasn't recording the default returned taxable to be able to isolate interest payments. Who knows whether this has an interest basis or not anymore but my simple tables indicate I may owe the taxman 20p at least from what I can see. Not sure HMRC will be bothered in my case but the principle for me is that Zopa should be addressing this and it's not clear they have.
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aju
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Post by aju on Jun 26, 2018 8:59:29 GMT
Okay so I just received another email to say my account is available and ...
So perhaps what I can see is not interest at all, bit odd that 1p out in two cycles of 12 months though. Perhaps I typed them both wrong!
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Post by portlandbill on Jun 26, 2018 10:51:30 GMT
Yep, i got access back and have withdrawn my cash surplus (at least, i've asked to withdraw my cash)
Very apologetic email from zopa received just afterwards.
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coogaruk
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Post by coogaruk on Jun 26, 2018 14:42:00 GMT
Apparently suspended accounts are ‘legacy’ accounts e.g. Zopa Classic, protected against loan defaults,... I have one of those and mine wasn't suspended.
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Post by takeshi on Jun 27, 2018 9:53:06 GMT
The difference in totals between the Summary and Statement screens has been around for so long I've stopped paying attention. (they want to be a bank - lol)
However my impression is my difference has grown from a few pence to about £10 - after the 'suspended' weekend. The 'statement' figure is higher.
Anyone else?
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aju
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Post by aju on Jun 27, 2018 15:30:53 GMT
The difference in totals between the Summary and Statement screens has been around for so long I've stopped paying attention. (they want to be a bank - lol) However my impression is my difference has grown from a few pence to about £10 - after the 'suspended' weekend. The 'statement' figure is higher. Anyone else? Yes, I kept track of the year figures from 2015, the annual figures available on the statements screen. Interestingly I was talking on the phone to Zopa yesterday and I noticed that it had changed twice for the 2015 start amount, that value has not changed since I started recording it when they first introduced the option. Initially the change was about £4 in the morning then about £24 in the afternoon not sure if it changed again today (Edit: it's about the same today). Zopa were somewhat perplexed as far as they thought nothing had affected data that far back but it had for me over the last week or so. They are looking into my data - I'm guessing you may be seeing a similar effect. This has affected the difference in the summary and the statements page similarly. Most people will not notice these changes but I find it's always a bit worrying when things change and Zopa is not expecting it either. I did suggest that testing of the SG fixes such as those that went wrong last thursday then were repaired over the weekend should really have been tested adequately on the development/test platforms before applying to the live systems. Having said that Zopa is a big system and there are always unknowns that come out and smack you in the face and this may be one of those times. I've kept a copy of the changes over the weekend and the subsequent changes that seemed to occured yesterday. I checked if there were any new defaults for me but nothing that had occured recently in data I can see but I do know that sometimes Zopa does not always fill out the comments fields with relevant info. Human nature I guess. Still not acceptable though.
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