mikeb
Posts: 1,072 
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Post by mikeb on Oct 21, 2014 15:18:39 GMT
chris My head is already pulsating from trying to work out what's going on with my account (it already had a head start from previous glitches stil dangling) I've changed browsers. The menus and stuff pop open now. I've taken the tour. Woohoo! How many of these are you aware of (all in "my loans" section) :- [mod removed as moving to public area]: 11.25% PA shown as 11.2% [mod removed as moving to public area] 9.75% PA shown, isn't this 10% PA? [mod removed as moving to public area] (118) 5% PA shown, isn't this 10% PA? [mod removed as moving to public area]: Accrued interest dropped £2.64 to £1.14 no reason. [mod removed as moving to public area]: Accrued interest dropped £3.16 to £0 [mod removed as moving to public area]: Holding amount still wrong (ignores the recovery). Accrued interest gone to pot (dropped £7.59 to £1.45) [mod removed as moving to public area] Tranche2: Accrued Interest all gone, no reason. [mod removed as moving to public area]: Accrued interest still wrong (doubled a while back and not fixed under the new world order) [mod removed as moving to public area]: 10% PA shown (actually 14.4-15.0% on my parts) [mod removed as moving to public area]: Accrued £1.22 to £0.03 for no reason [mod removed as moving to public area]: Accrued £2 to £0 for no reason [mod removed as moving to public area]: Accrued £1.84 to £0 ... for no reason [mod removed as moving to public area]: £6.23 to £9.83 on accrued interest, presume this is bogus? AI has been busy grabbing shrapnel from people dropping £1 loan parts to test things, but I have no record of what it's done on the statement, which just shows me moving money from "Cash Account" (Holding) to "Manual Invest". What happened next is a mystery. I'm off by a couple of pounds between what I think it did, and it what my totals say. Statement entries needed! Can we have an ability to say "don't paginate", and therfore show "all" for loans, not 10 per time. It's an FC style PITA having to wade through in tens. I hope this all starts to come together soon! Off to take 2 aspirin and bang head on table 
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Post by chris on Oct 21, 2014 15:19:22 GMT
Is it possible to make the loan title in the description clickable? There's been some activity on my transactions today and not 100% sure why so it would be easier to open them in another tab. This has been requested before, I believe, and would still be a welcome addition IMO. Oh I see what you mean... will have a think about it.
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Post by chris on Oct 21, 2014 15:20:44 GMT
chris My head is already pulsating from trying to work out what's going on with my account (it already had a head start from previous glitches stil dangling) I've changed browsers. The menus and stuff pop open now. I've taken the tour. Woohoo! How many of these are you aware of (all in "my loans" section) :- [mod removed as moving to public area]AI has been busy grabbing shrapnel from people dropping £1 loan parts to test things, but I have no record of what it's done on the statement, which just shows me moving money from "Cash Account" (Holding) to "Manual Invest". What happened next is a mystery. I'm off by a couple of pounds between what I think it did, and it what my totals say. Statement entries needed! Can we have an ability to say "don't paginate", and therfore show "all" for loans, not 10 per time. It's an FC style PITA having to wade through in tens. I hope this all starts to come together soon! Off to take 2 aspirin and bang head on table There's a post a few up from yours saying there's a statement available now on the manual investment account.
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ramblin rose
Member of DD Central
“Some people grumble that roses have thorns; I am grateful that thorns have roses.” — Alphonse Karr
Posts: 1,370
Likes: 857
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Post by ramblin rose on Oct 21, 2014 15:26:54 GMT
AI has been busy grabbing shrapnel from people dropping £1 loan parts to test things, but I have no record of what it's done on the statement, which just shows me moving money from "Cash Account" (Holding) to "Manual Invest". What happened next is a mystery. I'm off by a couple of pounds between what I think it did, and it what my totals say. Statement entries needed! I don't think the shrapnel has come from people dropping £1 loan parts - I think it's due to the fact that even sizeable parts are now split 'fairly' between all people requesting them as explained by Chris here: p2pindependentforum.com/post/25358/thread . I think we're all getting the shrapnel now. Edit: and hence my comment earlier about the impossibility of us being able to track interest due manually from here on in. The statement entries are already here - under the three line menu icon at the right hand end of the investment account section.
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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 Oct 21, 2014 15:32:45 GMT
So with some trepidation have switched to tablet. And wow! Much better than on a PC. Fits to page, displays 50 loans to a page, scrolling required unsurprisingly. Home page all on one page. The ability to view in portrait makes all the difference it would seem. |
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Post by gonzo on Oct 21, 2014 15:35:10 GMT
chris I've had a good look around and been on the tour, but still cannot locate my shadow account - is it hiding? There is no shadow account any more as there's no more bidding. You can see historic bids via the Report menu. All investments are now live cash to buy loan units via the aftermarket, and we have to insist on real deposited cash for compliance reasons (amongst others). I see - was there not some shadow bids still outstanding?
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ianb
Posts: 161
Likes: 54
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Post by ianb on Oct 21, 2014 15:42:29 GMT
chris - I reported above my account was £1.07 under, with the new system. I've been thru my loans and am finding quite a lot of discrepancies where the loan is paying back principal on a monthly basis. In each case, so far, the discrepancy is such that what I have today is less than yesterday. Mostly its pence different - like one was 344.32 and now its 344.21. But on one loan I have a difference of £6 - was 1786.86, now is 1780.14. Is this just a display issue, or is it more than that and do I trust the new figures or the old ?
EDIT: ignore the £6 one, found that accounted for by having it repay today which I hadn't spotted. 14 loans though showing minor differences
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jo
Member of DD Central
dead
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Post by jo on Oct 21, 2014 15:47:42 GMT
Just got in.
Can anyone 'one line me it' for me, my Total Investment has dropped ~10% on the new site from what was showing on my Mini Statement earlier before the changeover (which, as an aside was also wrong and has an outstanding query with Adam).
My question is, have I missed some cunning thing I have to do to reconcile?
Edit, from memory the shortfall amount is similar to what I had in the 'awaiting drawdowns' where are they?
Edit2 Ok just seen SL175's thread - thanks, that 'one line's' it for me.
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Post by batchoy on Oct 21, 2014 15:48:44 GMT
AI has been busy grabbing shrapnel from people dropping £1 loan parts to test things, but I have no record of what it's done on the statement, which just shows me moving money from "Cash Account" (Holding) to "Manual Invest". What happened next is a mystery. I'm off by a couple of pounds between what I think it did, and it what my totals say. Statement entries needed! I don't think the shrapnel has come from people dropping £1 loan parts - I think it's due to the fact that even sizeable parts are now split 'fairly' between all people requesting them as explained by Chris here: p2pindependentforum.com/post/25358/thread . I think we're all getting the shrapnel now. Edit: and hence my comment earlier about the impossibility of us being able to track interest due manually from here on in. The statement entries are already here - under the three line menu icon at the right hand end of the investment account section. The problem derives from the fact that the target set in the MAI does not track the loan principle as the repayments are made, not huge issue when loan parts were £100, but now that loans can be micro-sliced the MAI will be attempting to purchase micro-slices each time a repayment is made on the principle. So if put £10,000 in as your target the MAI will attempt to maintain your holding at £10,000, however in theory this could mean as the loan comes to its end you could find yourself holding 100% of the loan. This was combated in the old AI by having a maximum % holding in addition to the value holding but this seems to have disappeared in the MAI.
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oldgrumpy
Member of DD Central
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Post by oldgrumpy on Oct 21, 2014 15:52:41 GMT
Shrapnel??? Apparently I have just bought 2p worth of London Retail Units!! I set no mandate to buy ANY London Retail, let alone this much!!  What must I turn off? |
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ramblin rose
Member of DD Central
“Some people grumble that roses have thorns; I am grateful that thorns have roses.” — Alphonse Karr
Posts: 1,370
Likes: 857
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Post by ramblin rose on Oct 21, 2014 15:53:54 GMT
I don't think the shrapnel has come from people dropping £1 loan parts - I think it's due to the fact that even sizeable parts are now split 'fairly' between all people requesting them as explained by Chris here: p2pindependentforum.com/post/25358/thread . I think we're all getting the shrapnel now. Edit: and hence my comment earlier about the impossibility of us being able to track interest due manually from here on in. The statement entries are already here - under the three line menu icon at the right hand end of the investment account section. The problem derives from the fact that the target set in the MAI does not track the loan principle as the repayments are made, not huge issue when loan parts were £100, but now that loans can be micro-sliced the MAI will be attempting to purchase micro-slices each time a repayment is made on the principle. So if put £10,000 in as your target the MAI will attempt to maintain your holding at £10,000, however in theory this could mean as the loan comes to its end you could find yourself holding 100% of the loan. This was combated in the old AI by having a maximum % holding in addition to the value holding but this seems to have disappeared in the MAI. That is probably part of the problem, but not all. If you want to increase your holding by a substantial amount, and somebody decides to sell £100 (or even less) and there are 200 or 300 people with it on their wish list, you'll still get shrapnel.
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Post by batchoy on Oct 21, 2014 16:04:16 GMT
The problem derives from the fact that the target set in the MAI does not track the loan principle as the repayments are made, not huge issue when loan parts were £100, but now that loans can be micro-sliced the MAI will be attempting to purchase micro-slices each time a repayment is made on the principle. So if put £10,000 in as your target the MAI will attempt to maintain your holding at £10,000, however in theory this could mean as the loan comes to its end you could find yourself holding 100% of the loan. This was combated in the old AI by having a maximum % holding in addition to the value holding but this seems to have disappeared in the MAI. That is probably part of the problem, but not all. If you want to increase your holding by a substantial amount, and somebody decides to sell £100 (or even less) and there are 200 or 300 people with it on their wish list, you'll still get shrapnel. Following on from this I have hit my first real issue wth the new system, I have a very small holding in London Retail which I was prepared to hold until its end life but I had no intention and didn't want to increase my holding, however due to receiving repayment from Liverpool Electrical the MAI has just increased my % holding  . chris is there a way of stopping the MAI from running on a particular loan if you want to amortise and maintain the % holding rather than the value holding?
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pikestaff
Member of DD Central
Posts: 2,187
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Post by pikestaff on Oct 21, 2014 16:11:59 GMT
I don't think the shrapnel has come from people dropping £1 loan parts - I think it's due to the fact that even sizeable parts are now split 'fairly' between all people requesting them as explained by Chris here: p2pindependentforum.com/post/25358/thread . I think we're all getting the shrapnel now. Edit: and hence my comment earlier about the impossibility of us being able to track interest due manually from here on in. The statement entries are already here - under the three line menu icon at the right hand end of the investment account section. The problem derives from the fact that the target set in the MAI does not track the loan principle as the repayments are made, not huge issue when loan parts were £100, but now that loans can be micro-sliced the MAI will be attempting to purchase micro-slices each time a repayment is made on the principle. So if put £10,000 in as your target the MAI will attempt to maintain your holding at £10,000, however in theory this could mean as the loan comes to its end you could find yourself holding 100% of the loan. This was combated in the old AI by having a maximum % holding in addition to the value holding but this seems to have disappeared in the MAI. I agree. It's a complete pain and it's wrong. I want my holdings in amortising loans to amortise.
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niceguy37
Member of DD Central
Posts: 504
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Post by niceguy37 on Oct 21, 2014 16:22:56 GMT
The problem derives from the fact that the target set in the MAI does not track the loan principle as the repayments are made, not huge issue when loan parts were £100, but now that loans can be micro-sliced the MAI will be attempting to purchase micro-slices each time a repayment is made on the principle. So if put £10,000 in as your target the MAI will attempt to maintain your holding at £10,000, however in theory this could mean as the loan comes to its end you could find yourself holding 100% of the loan. This was combated in the old AI by having a maximum % holding in addition to the value holding but this seems to have disappeared in the MAI. That is probably part of the problem, but not all. If you want to increase your holding by a substantial amount, and somebody decides to sell £100 (or even less) and there are 200 or 300 people with it on their wish list, you'll still get shrapnel. It's a noble attempt to be fair. And it does give an indication of loan movements. But it might generate a lot smaller volume of transactions if the system, when demand for a particular loan far exceeded supply, simply randomly allocated £10 each to lenders until the supply was exhausted, with some getting lucky and some not. This would avoid a lot of financially insignificant chaff clogging up our statements, and the AC database. And if the interest ever needed to be fixed it would make things a lot easier.
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niceguy37
Member of DD Central
Posts: 504
Likes: 254
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Post by niceguy37 on Oct 21, 2014 16:27:22 GMT
Just visited site and omg what is this. Nice new graphics but everything is so spaced out meaning continuous scrolling and the important info you used to see on dashboard page has gone to menu options/links. I don't use a wide-screen normally and much scrolling is still needed and on my other pc with a wide-screen it is horrendous and so time consuming to use. I understand what you are doing with losing the auction/bidding setup and moving the bidder away from the loan parts but I am really put be off using the site as frequently as I used to now. Hopefully so layout tweaks will be coming! Perhaps something can be added so that the system can detect whether it'd displaying on a pc, tablet or phone and adjust it's layout accordingly.
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