bg
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Post by bg on Jul 4, 2019 21:24:01 GMT
Hi, It's been a while since this was set up but I think I set it to mark them L if the payment was 3 days late. I know AC give a longer grace period but the thinking was it may give me a heads up if there's a potential problem. In reality I ignore the L's until its more than a week, so I should really switch it to 7 days, but people can make their own decision. I can see the June payment has been made for that loan now but I only sweep the payments data in every 24 hours for each loan (I don't want to be sending unnecessary calls to AC's website) so the L should clear at some point today. As for the dates being a day out, not sure. I would have to dig into it to see what causes this. I will when I get a spare few minutes. Cheers. Thanks bg . I'm still comparatively new to AC and I find that digging through the details helps to get to grips with the mechanics of the platform. I'm inclined to think that 7 days is perhaps a little too long to wait before declaring it late but I can understand why given consecutive bank holidays at Easter/Christmas. I wouldn't worry about the dates, perhaps they were altered by a day after the loan drew down. Quite often loans are late paying because the interest has been retained by AC on drawdown and I think its a manual process to apply it every month so there can be a lag...clearly in situations like these there is no concern at all.
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bg
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Post by bg on Jul 5, 2019 7:34:57 GMT
Actually dan1 , looking at #981 it's still marked as L. Looking closer I can see its because the June amount due was £3,412.66 but only £2,700.14 was paid - so it is a legitimate L. This is most likely an issue at AC's end as I think all the interest has been retained on this one. |
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bg
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Post by bg on Jul 13, 2019 7:43:52 GMT
| Loan # | Events | Last P | First L | Next P | Amount | LTV | Rate | Term | Available | Discounted | Best Rate | Best Amt | Drew | | 1019 | | 09-Jul-19 | | 09-Aug-19 | 1,135,000 | 52.8 | 5 | 58 of 60 | 475,612 | 21,305 | -1 | 21,305 | 10/May/19 | | 998 | | 15-Jun-19 | | 15-Jul-19 | 115,000 | 57.5 | 5 | 58 of 60 | 15,822 | 11,373 | -1.5 | 7,107 | 16/Apr/19 | | 974 | | 02-Jul-19 | | 02-Aug-19 | 208,000 | 69.3 | 6 | 57 of 60 | 184,066 | 5,037 | -1 | 5,037 | 3/Apr/19 | | 981 | | 29-Jun-19 | | 29-Jul-19 | 585,029 | 56.7 | 7 | 21 of 25 | 256,604 | 4,495 | -1 | 4,495 | 29/Mar/19 | | 954 | M | 07-Jul-19 | | 07-Aug-19 | 1,175,000 | 72.1 | 7 | 56 of 60 | 64,135 | 11,179 | -1.5 | 4,000 | 8/Mar/19 | | 949 | | 03-Jul-19 | | 03-Aug-19 | 355,000 | 64 | 5.5 | 56 of 60 | 227,271 | 11,074 | -2 | 7,723 | 4/Mar/19 | | 946 | | 27-Jun-19 | | 27-Jul-19 | 157,450 | 67 | 5.5 | 56 of 60 | 27,022 | 17,431 | -2 | 28 | 28/Feb/19 | | 935 | | 17-Jun-19 | | 17-Jul-19 | 438,000 | 54.8 | 5 | 56 of 60 | 273,390 | 40,766 | -3.5 | 12,930 | 18/Feb/19 | | 932 | | 12-Jun-19 | | 12-Jul-19 | 430,000 | 64.7 | 5 | 56 of 60 | 266,483 | 53,095 | -3.5 | 8,236 | 13/Feb/19 | | 930 | | 11-Jun-19 | | 11-Aug-19 | 228,750 | 75 | 5.5 | 56 of 60 | 156,035 | 3,324 | -2.5 | 1,820 | 12/Feb/19 | | 933 | | 11-Jun-19 | | 11-Aug-19 | 140,000 | 60.3 | 5.5 | 20 of 24 | 33,351 | 3,935 | -1.5 | 3,868 | 12/Feb/19 | | 934 | | 11-Jul-19 | | 11-Aug-19 | 750,000 | 56.8 | 5 | 55 of 60 | 552,537 | 57,261 | -3 | 7,774 | 12/Feb/19 | | 914 | M | 23-Jun-19 | | 23-Jul-19 | 1,133,000 | 47.2 | 5.5 | 31 of 36 | 63,464 | 31,042 | -2 | 19,091 | 24/Jan/19 | | 869 | M | 28-Jun-19 | | 28-Jul-19 | 370,000 | 44.3 | 5 | 53 of 60 | 2,625 | 424 | -1.5 | 424 | 29/Nov/18 | | 805 | M | 23-Jun-19 | | 23-Jul-19 | 825,000 | 55 | 7 | 50 of 60 | 66,777 | 395 | -1 | 395 | 24/Aug/18 | | 766 | | 08-Jul-19 | | 08-Aug-19 | 255,000 | 70.8 | 7 | 48 of 60 | 99,077 | 68,263 | -1.5 | 13,048 | 9/Jul/18 | | 618 | ML | 15-Apr-19 | 30-May-19 | 14-Jul-19 | 1,162,772 | 62.3 | 6.5 | 3 of 20 | 365,410 | 389 | -1 | 389 | 13/Feb/18 | | 573 | M | 09-Jul-19 | | 09-Aug-19 | 225,000 | 52 | 7 | 40 of 60 | 38,716 | 1,117 | -1 | 1,117 | 10/Nov/17 |
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bg
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Post by bg on Jul 16, 2019 19:12:24 GMT
| Loan # | Events | Last P | First L | Next P | Amount | LTV | Rate | Term | Available | Discounted | Best Rate | Best Amt | Drew | | 1019 | | 09-Jul-19 | | 09-Aug-19 | 1,135,000 | 52.8 | 5 | 58 of 60 | 475,567 | 21,259 | -1.5 | 429 | 10/May/19 | | 998 | | 15-Jun-19 | | 15-Aug-19 | 115,000 | 57.5 | 5 | 58 of 60 | 15,562 | 11,163 | -1.5 | 6,948 | 16/Apr/19 | | 974 | | 02-Jul-19 | | 02-Aug-19 | 208,000 | 69.3 | 6 | 57 of 60 | 184,067 | 5,037 | -1 | 5,037 | 3/Apr/19 | | 981 | | 29-Jun-19 | | 29-Jul-19 | 585,029 | 56.7 | 7 | 21 of 25 | 256,037 | 3,710 | -1 | 3,710 | 29/Mar/19 | | 954 | M | 07-Jul-19 | | 07-Aug-19 | 1,175,000 | 72.1 | 7 | 56 of 60 | 63,845 | 10,883 | -1.5 | 3,704 | 8/Mar/19 | | 949 | | 03-Jul-19 | | 03-Aug-19 | 355,000 | 64 | 5.5 | 56 of 60 | 227,275 | 11,073 | -2 | 7,723 | 4/Mar/19 | | 946 | | 27-Jun-19 | | 27-Jul-19 | 157,450 | 67 | 5.5 | 56 of 60 | 26,998 | 17,402 | -2 | - | 28/Feb/19 | | 935 | | 17-Jun-19 | | 17-Jul-19 | 438,000 | 54.8 | 5 | 56 of 60 | 273,367 | 40,743 | -3.5 | 7,641 | 18/Feb/19 | | 932 | L | 12-Jun-19 | 12-Jul-19 | 12-Aug-19 | 430,000 | 64.7 | 5 | 56 of 60 | 266,484 | 53,085 | -3.5 | 7,154 | 13/Feb/19 | | 930 | L | 11-Jun-19 | 11-Jul-19 | 11-Aug-19 | 228,750 | 75 | 5.5 | 56 of 60 | 157,740 | 5,027 | -2.5 | 2,498 | 12/Feb/19 | | 933 | L | 11-Jul-19 | 11-Jul-19 | 11-Aug-19 | 140,000 | 60.3 | 5.5 | 19 of 24 | 32,665 | 3,320 | -1.5 | 3,253 | 12/Feb/19 | | 934 | | 11-Jul-19 | | 11-Aug-19 | 750,000 | 56.8 | 5 | 55 of 60 | 552,357 | 57,081 | -3 | 6,563 | 12/Feb/19 | | 914 | M | 23-Jun-19 | | 23-Jul-19 | 1,133,000 | 47.2 | 5.5 | 31 of 36 | 63,464 | 31,042 | -2 | 19,091 | 24/Jan/19 | | 869 | M | 28-Jun-19 | | 28-Jul-19 | 370,000 | 44.3 | 5 | 53 of 60 | 2,625 | 424 | -1.5 | 424 | 29/Nov/18 | | 805 | M | 23-Jun-19 | | 23-Jul-19 | 825,000 | 55 | 7 | 50 of 60 | 75,550 | 395 | -1 | 395 | 24/Aug/18 | | 766 | | 08-Jul-19 | | 08-Aug-19 | 255,000 | 70.8 | 7 | 48 of 60 | 99,073 | 68,258 | -1.5 | 13,044 | 9/Jul/18 | | 618 | ML | 15-Apr-19 | 30-May-19 | 14-Aug-19 | 1,162,772 | 62.3 | 6.5 | 3 of 20 | 365,980 | 389 | -1 | 389 | 13/Feb/18 | | 573 | M | 09-Jul-19 | | 09-Aug-19 | 225,000 | 52 | 7 | 40 of 60 | 39,667 | 1,117 | -1 | 1,117 | 10/Nov/17 |
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bg
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Post by bg on Jul 22, 2019 20:28:31 GMT
| Loan # | Events | Last P | First L | Next P | Amount | LTV | Rate | Term | Available | Discounted | Best Rate | Best Amt | Drew | | 1019 | | 09-Jul-19 | | 09-Aug-19 | 1,135,000 | 52.8 | 5 | 58 of 60 | 474,143 | 21,816 | -1.5 | 986 | 10/May/19 | | 998 | | 15-Jul-19 | | 15-Aug-19 | 115,000 | 57.5 | 5 | 57 of 60 | 15,527 | 11,087 | -1.5 | 6,719 | 16/Apr/19 | | 974 | | 02-Jul-19 | | 02-Aug-19 | 208,000 | 69.3 | 6 | 57 of 60 | 183,946 | 4,916 | -1 | 4,916 | 3/Apr/19 | | 981 | | 29-Jun-19 | | 29-Jul-19 | 585,029 | 56.7 | 7 | 21 of 25 | 256,663 | 4,348 | -1 | 4,348 | 29/Mar/19 | | 954 | M | 07-Jul-19 | | 07-Aug-19 | 1,175,000 | 72.1 | 7 | 56 of 60 | 73,237 | 20,104 | -1.5 | 3,201 | 8/Mar/19 | | 949 | | 03-Jul-19 | | 03-Aug-19 | 355,000 | 64 | 5.5 | 56 of 60 | 226,814 | 11,275 | -2 | 7,261 | 4/Mar/19 | | 946 | | 27-Jun-19 | | 27-Jul-19 | 157,450 | 67 | 5.5 | 56 of 60 | 26,994 | 17,399 | -2 | 11,983 | 28/Feb/19 | | 935 | L | 17-Jun-19 | 17-Jul-19 | 17-Aug-19 | 438,000 | 54.8 | 5 | 56 of 60 | 271,933 | 39,309 | -3.5 | 6,623 | 18/Feb/19 | | 932 | | 12-Jul-19 | | 12-Aug-19 | 430,000 | 64.7 | 5 | 55 of 60 | 266,769 | 52,849 | -3.5 | 7,021 | 13/Feb/19 | | 930 | | 11-Jul-19 | | 11-Aug-19 | 228,750 | 75 | 5.5 | 55 of 60 | 157,772 | 5,448 | -2.5 | 3,945 | 12/Feb/19 | | 933 | | 11-Jul-19 | | 11-Aug-19 | 140,000 | 60.3 | 5.5 | 19 of 24 | 32,497 | 3,136 | -1.5 | 3,075 | 12/Feb/19 | | 934 | | 11-Jul-19 | | 11-Aug-19 | 750,000 | 56.8 | 5 | 55 of 60 | 551,982 | 56,706 | -3 | 6,289 | 12/Feb/19 | | 869 | M | 28-Jun-19 | | 28-Jul-19 | 370,000 | 44.3 | 5 | 53 of 60 | 2,536 | 424 | -1.5 | 424 | 29/Nov/18 | | 766 | | 08-Jul-19 | | 08-Aug-19 | 255,000 | 70.8 | 7 | 48 of 60 | 98,186 | 67,386 | -1.5 | 12,171 | 9/Jul/18 | | 753 | | 27-Apr-19 | | | 3,336,034 | 71.7 | 8 | 1 of 13 | 465,553 | 614 | -1 | 614 | 25/Jun/18 | | 711 | M | 26-Jun-19 | | 26-Jul-19 | 430,000 | 74.8 | 7.5 | 46 of 60 | 56,612 | 15 | -2 | 15 | 27/Apr/18 | | 700 | M | 04-Jul-19 | | 03-Aug-19 | 105,000 | 75 | 7.5 | 46 of 60 | 4,563 | 359 | -1 | 359 | 23/Apr/18 | | 673 | M | 22-Jun-19 | | 22-Jul-19 | 799,000 | 66.6 | 7.5 | 45 of 60 | 108,639 | 126 | -1 | 126 | 23/Mar/18 | | 573 | M | 09-Jul-19 | | 09-Aug-19 | 225,000 | 52 | 7 | 40 of 60 | 39,674 | 1,683 | -1 | 1,683 | 10/Nov/17 | | 329 | ML | 21-May-19 | 21-Jun-19 | 21-Aug-19 | 220,000 | 65.7 | 7 | 28 of 60 | 26,250 | 462 | -1 | 462 | 22/Sep/16 |
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tonyr
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Post by tonyr on Aug 1, 2019 11:06:05 GMT
Ouch - we've just had £4m at 9% taken away from Manual investors (B*S* Phase 2 repaid, B*S* - Phase 3 gave back £5k and now has no availability). #388 and the related on just about go. Not a lot left to buy right now if you want 8.5% or above.
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bg
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Post by bg on Aug 1, 2019 12:27:09 GMT
| Loan # | Events | Last P | First L | Next P | Amount | LTV | Rate | Term | Available | Discounted | Best Rate | Best Amt | Drew | | 1019 | | 09-Jul-19 | | 09-Aug-19 | 1,135,000 | 52.8 | 5 | 58 of 60 | 474,179 | 21,751 | -1.5 | 921 | 10/May/19 | | 998 | | 15-Jul-19 | | 15-Aug-19 | 115,000 | 57.5 | 5 | 57 of 60 | 15,538 | 10,855 | -1.5 | 6,487 | 16/Apr/19 | | 974 | | 02-Jul-19 | | 02-Aug-19 | 208,000 | 69.3 | 6 | 57 of 60 | 183,653 | 4,471 | -1 | 4,471 | 3/Apr/19 | | 981 | | 30-Jul-19 | | 29-Aug-19 | 649,827 | 56.7 | 7 | 21 of 25 | 256,849 | 3,617 | -1 | 3,617 | 29/Mar/19 | | 954 | | 07-Jul-19 | | 07-Aug-19 | 1,175,000 | 72.1 | 7 | 56 of 60 | 484,073 | 23,823 | -1 | 23,823 | 8/Mar/19 | | 949 | | 03-Jul-19 | | 03-Aug-19 | 355,000 | 64 | 5.5 | 56 of 60 | 226,866 | 11,533 | -2 | 7,466 | 4/Mar/19 | | 946 | L | 27-Jun-19 | 27-Jul-19 | 27-Aug-19 | 157,450 | 67 | 5.5 | 56 of 60 | 26,944 | 17,349 | -1.5 | 12,338 | 28/Feb/19 | | 935 | | 17-Jul-19 | | 17-Aug-19 | 438,000 | 54.8 | 5 | 55 of 60 | 271,315 | 38,419 | -3.5 | 6,136 | 18/Feb/19 | | 932 | | 12-Jul-19 | | 12-Aug-19 | 430,000 | 64.7 | 5 | 55 of 60 | 266,887 | 52,839 | -3.5 | 7,414 | 13/Feb/19 | | 930 | | 11-Jul-19 | | 11-Aug-19 | 228,750 | 75 | 5.5 | 55 of 60 | 157,813 | 5,901 | -2.5 | 4,398 | 12/Feb/19 | | 933 | | 11-Jul-19 | | 11-Aug-19 | 140,000 | 60.3 | 5.5 | 19 of 24 | 32,551 | 3,494 | -1.5 | 3,427 | 12/Feb/19 | | 934 | | 11-Jul-19 | | 11-Aug-19 | 750,000 | 56.8 | 5 | 55 of 60 | 567,217 | 81,314 | -3 | 21,372 | 12/Feb/19 | | 914 | M | 23-Jul-19 | | 23-Aug-19 | 1,133,000 | 47.2 | 5.5 | 30 of 36 | 14,202 | 6,625 | -1 | 6,625 | 24/Jan/19 | | 869 | M | 28-Jul-19 | | 28-Aug-19 | 370,000 | 44.3 | 5 | 52 of 60 | 2,529 | 422 | -1.5 | 422 | 29/Nov/18 | | 766 | | 08-Jul-19 | | 08-Aug-19 | 255,000 | 70.8 | 7 | 48 of 60 | 98,174 | 67,131 | -1.5 | 11,942 | 9/Jul/18 | | 700 | M | 04-Jul-19 | | 03-Aug-19 | 105,000 | 75 | 7.5 | 46 of 60 | 4,476 | 283 | -1 | 283 | 23/Apr/18 | | 673 | M | 22-Jul-19 | | 22-Aug-19 | 799,000 | 66.6 | 7.5 | 44 of 60 | 108,863 | 50 | -2.5 | 50 | 23/Mar/18 | | 584 | M | 10-Jul-19 | | 10-Aug-19 | 90,000 | 75 | 6 | 41 of 60 | 656 | 50 | -1 | 50 | 11/Dec/17 | | 694 | | 16-Jul-19 | | 16-Aug-19 | 1,829,386 | 56 | 6.5 | 2 of 17 | 855,479 | 581 | -1 | 581 | 11/Apr/18 | | 573 | M | 09-Jul-19 | | 09-Aug-19 | 225,000 | 52 | 7 | 40 of 60 | 40,641 | 1,586 | -1 | 1,586 | 10/Nov/17 | | 329 | ML | 21-May-19 | 21-Jun-19 | 21-Aug-19 | 220,000 | 65.7 | 7 | 28 of 60 | 26,840 | 429 | -1 | 429 | 22/Sep/16 |
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tonyr
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Post by tonyr on Aug 2, 2019 2:24:20 GMT
Ouch - we've just had £4m at 9% taken away from Manual investors (B*S* Phase 2 repaid, B*S* - Phase 3 gave back £5k and now has no availability). #388 and the related on just about go. Not a lot left to buy right now if you want 8.5% or above. AC have now released some B*S* phase 3.
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thedog
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Post by thedog on Aug 2, 2019 11:39:01 GMT
Excellent. Was concerned about how they'd handled this but in fairness seems to be OK in the end.
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bg
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Post by bg on Aug 7, 2019 6:43:57 GMT
| Loan # | Events | Last P | First L | Next P | Amount | LTV | Rate | Term | Available | Discounted | Best Rate | Best Amt | Drew | | 1019 | | 09-Jul-19 | | 09-Aug-19 | 1,135,000 | 52.8 | 5 | 58 of 60 | 456,104 | 21,700 | -1.5 | 895 | 10/May/19 | | 998 | | 15-Jul-19 | | 15-Aug-19 | 115,000 | 57.5 | 5 | 57 of 60 | 15,434 | 10,751 | -1.5 | 6,383 | 16/Apr/19 | | 974 | L | 02-Jul-19 | 02-Aug-19 | 02-Sep-19 | 208,000 | 69.3 | 6 | 57 of 60 | 183,843 | 4,660 | -1 | 4,660 | 3/Apr/19 | | 954 | | 07-Jul-19 | | 07-Aug-19 | 1,175,000 | 72.1 | 7 | 56 of 60 | 481,390 | 19,267 | -1 | 19,267 | 8/Mar/19 | | 949 | L | 03-Jul-19 | 03-Aug-19 | 03-Sep-19 | 355,000 | 64 | 5.5 | 55 of 60 | 225,701 | 10,561 | -2 | 6,500 | 4/Mar/19 | | 946 | | 27-Jul-19 | | 27-Aug-19 | 157,450 | 67 | 5.5 | 55 of 60 | 26,941 | 17,349 | -1.5 | 12,338 | 28/Feb/19 | | 935 | | 17-Jul-19 | | 17-Aug-19 | 438,000 | 54.8 | 5 | 55 of 60 | 270,603 | 37,782 | -3.5 | 5,499 | 18/Feb/19 | | 932 | | 12-Jul-19 | | 12-Aug-19 | 430,000 | 64.7 | 5 | 55 of 60 | 262,021 | 48,000 | -3.5 | 7,414 | 13/Feb/19 | | 930 | | 11-Jul-19 | | 11-Aug-19 | 228,750 | 75 | 5.5 | 55 of 60 | 157,712 | 5,799 | -2.5 | 4,296 | 12/Feb/19 | | 933 | | 11-Jul-19 | | 11-Aug-19 | 140,000 | 60.3 | 5.5 | 19 of 24 | 32,287 | 3,346 | -1.5 | 3,280 | 12/Feb/19 | | 934 | | 11-Jul-19 | | 11-Aug-19 | 750,000 | 56.8 | 5 | 55 of 60 | 567,301 | 81,314 | -3 | 22,119 | 12/Feb/19 | | 914 | M | 23-Jul-19 | | 23-Aug-19 | 1,133,000 | 47.2 | 5.5 | 30 of 36 | 28,641 | 6,222 | -1.5 | 203 | 24/Jan/19 | | 869 | M | 28-Jul-19 | | 28-Aug-19 | 370,000 | 44.3 | 5 | 52 of 60 | 2,606 | 422 | -1.5 | 422 | 29/Nov/18 | | 766 | | 08-Jul-19 | | 08-Aug-19 | 255,000 | 70.8 | 7 | 48 of 60 | 97,577 | 66,557 | -1.5 | 11,352 | 9/Jul/18 | | 753 | | 27-Apr-19 | | 10-Aug-19 | 3,336,034 | 71.7 | 8 | 1 of 14 | 464,077 | 802 | -1 | 802 | 25/Jun/18 | | 573 | M | 09-Jul-19 | | 09-Aug-19 | 225,000 | 52 | 7 | 40 of 60 | 40,457 | 1,586 | -1 | 1,586 | 10/Nov/17 |
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Post by figtree on Aug 8, 2019 7:29:56 GMT
Could we get an update on your lovely graph please?
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bg
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Post by bg on Aug 8, 2019 8:29:49 GMT
Could we get an update on your lovely graph please? 
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bg
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Post by bg on Aug 8, 2019 8:31:25 GMT
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p2pfan
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Post by p2pfan on Aug 8, 2019 23:46:40 GMT
Sorry, what do these graphs show please? Thank you.
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bg
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Post by bg on Aug 9, 2019 7:13:56 GMT
Sorry, what do these graphs show please? Thank you. First is loan amounts for sale at a discount. Second is number of loans discounted.
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