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Post by hammertime on Nov 13, 2018 17:11:38 GMT
Thats a shame i spoke to someone on the A/C chatline the other day. And they said that the interest rates are dropping all over because of competion.
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number5
Member of DD Central
Posts: 449 
Likes: 98
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Post by number5 on Nov 13, 2018 17:17:09 GMT
Thats a shame i spoke to someone on the A/C chatline the other day. And they said that the interest rates are dropping all over because of competion. FS did start to do more 12% loans rather than 13%, however that has changed back again if not higher rates now, since the loan filling has slowed down.
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Post by hammertime on Nov 13, 2018 17:22:11 GMT
I might have a dabble maybe.
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ilmoro
Member of DD Central
'Wondering which of the bu***rs to blame, and watching for pigs on the wing.' - Pink Floyd
Posts: 11,329
Likes: 11,549
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Post by ilmoro on Nov 13, 2018 17:33:55 GMT
Thats a shame i spoke to someone on the A/C chatline the other day. And they said that the interest rates are dropping all over because of competion. Depends on what market you are pitching at & what's sort of origination levels youre aiming for. AC are not really aiming for the markets that pay 10%+ as they are too risky & harder to originate a decent pipeline of quality risk mitigated loans. AC would say that are aiming to compete with challenger banks.
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r00lish67
Member of DD Central
Posts: 2,692
Likes: 4,048
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Post by r00lish67 on Nov 13, 2018 17:51:59 GMT
Thats a shame i spoke to someone on the A/C chatline the other day. And they said that the interest rates are dropping all over because of competion. I like the sound of this chatline. Do you want to be introduced to some very very naughty borrowers? Press #1 to speak to David the property developer - he wants to buy a filthy brownfield site in Toxteth to build an ill-judged 50-storey student accommodation block. He's just dying for your financial support for his potentially huge erection.. Press #2 to speak to Suzanne. She already has a loan elsewhere, but wants to do the dirty with you and take out a second charge without informing their original provider, thereby violating her negative pledge covenant.. Or press #3 to be put right through to Max. Max has more Companies House profiles than he does fingers, and each with a different date of birth. He might barely be out of his teens, if you're feeling lucky...
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blender
Member of DD Central
Posts: 5,719
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Post by blender on Nov 13, 2018 18:33:58 GMT
Not sure who's grooming whom here.
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Post by hammertime on Nov 14, 2018 13:36:13 GMT
Its getting a bit weird on here now???
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Post by bikeman on Dec 17, 2018 22:55:58 GMT
Yes F/C was good until they changed there system then i got out as soon as i could. Lots of other investers left to.Im more than happy with my 10.88% interest in the MLA. Are you as happy with your losses on the I** loans? How much is that exactly?
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ashtondav
Member of DD Central
Posts: 1,814
Likes: 1,092
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Post by ashtondav on Dec 18, 2018 8:22:12 GMT
Yes F/C was good until they changed there system then i got out as soon as i could. Lots of other investers left to.Im more than happy with my 10.88% interest in the MLA. Are you as happy with your losses on the I** loans? How much is that exactly? One thing’s for sure; you won’t get 10.88% over a five year cycle. It will be somewhat less, but admittedly probably better than FC...
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Post by hammertime on Dec 18, 2018 10:35:11 GMT
That's maybe true but i will of probably of moved on to another investment platform by then. I did the same with other investments. You don't want to stand still for to long. As for Bikeman well i'm well diversified in my loans an i don't have much in the I** loans so you don't have to worry about me i'm ok. You do seem very interested in my investing though do you not have a life of your own.
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Mike
Member of DD Central
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Likes: 446
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Post by Mike on Dec 18, 2018 10:49:40 GMT
You do seem very interested in my investing though do you not have a life of your own. Attachments:
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Post by hammertime on Dec 18, 2018 11:01:05 GMT
Your point being???
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IFISAcava
Member of DD Central
Posts: 3,692
Likes: 3,018
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Post by IFISAcava on Dec 18, 2018 11:29:12 GMT
Are you as happy with your losses on the I** loans? How much is that exactly? One thing’s for sure; you won’t get 10.88% over a five year cycle. It will be somewhat less, but admittedly probably better than FC... you also won't get that unless you accept low diversity and/or a low total investment - very little loan availability above 8.5% let alone 10% I'm well diversified (over 200 loans), somewhat overweight in loans at 8% or higher and in low LTV loans, underweight in turbines and development, and I'm on 7.75% (before losses, currently very low for me in MLA - 0.3% of capital suspended, but could change at any time of course).
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Post by hammertime on Dec 18, 2018 13:15:23 GMT
No the interest rates are not what they used to be . But i'm getting 11.7% at the moment i will see how low it drops and then move on . I have already been looking around.
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zlb
Member of DD Central
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Likes: 333
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Post by zlb on Jan 4, 2019 15:29:54 GMT
Thats a shame i spoke to someone on the A/C chatline the other day. And they said that the interest rates are dropping all over because of competion. I like the sound of this chatline. Do you want to be introduced to some very very naughty borrowers? Press #1 to speak to David the property developer - he wants to buy a filthy brownfield site in Toxteth to build an ill-judged 50-storey student accommodation block. He's just dying for your financial support for his potentially huge erection.. Press #2 to speak to Suzanne. She already has a loan elsewhere, but wants to do the dirty with you and take out a second charge without informing their original provider, thereby violating her negative pledge covenant.. Or press #3 to be put right through to Max. Max has more Companies House profiles than he does fingers, and each with a different date of birth. He might barely be out of his teens, if you're feeling lucky... This would make a refreshing review angle - short and to the point for those new to p2p. Not sure you'd get the advertising revenue though.... 
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