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Post by Jack Barlow on Oct 21, 2014 23:32:59 GMT
I put a bit of wrexham up for sale, it has gone, do sale proceeds land in current cash or get immediately recycled as available for investment? If recycled I think the lack of statement entries needs addressing asap. It'll recycle as quickly as it can unless you have a withdrawal target set. , I'm confused. Are you saying that you can divert the proceeds of a sale directly into the cash account by setting a "withdrawal target". Or that the proceeds stay in the manual account but won't get recycled if a "withdrawal target" is set? Either way, where do I find the "withdrawal target" setting?
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sl75
Posts: 2,092 
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Post by sl75 on Oct 21, 2014 23:36:33 GMT
Either way, where do I find the "withdrawal target" setting? I can only assume this relates to the "On Repayment" setting at the bottom-left of the "Manual Loan Investments Account" section.
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Post by Jack Barlow on Oct 21, 2014 23:42:38 GMT
Either way, where do I find the "withdrawal target" setting? I can only assume this relates to the "On Repayment" setting at the bottom-left of the "Manual Loan Investments Account" section. I'm not so sure - it says it applies to repayments (which I would categorise as being different to sales proceeds), and also there's no "target" to set - it's all or nothing. But I think it would be logical to let this setting also apply to sales proceeds (and redeemed loans) - hopefully chris will be able to clarify.
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Vero
Member of DD Central
Posts: 196 
Likes: 163
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Post by Vero on Oct 21, 2014 23:47:39 GMT
I can only assume this relates to the "On Repayment" setting at the bottom-left of the "Manual Loan Investments Account" section. I'm not so sure - it says it applies to repayments (which I would categorise as being different to sales proceeds), and also there's no "target" to set - it's all or nothing. But I think it would be logical to let this setting also apply to sales proceeds (and redeemed loans) - hopefully chris will be able to clarify. Yes Jack Barlow and sl75, it does apply to sales proceeds and redeemed loans too. I used this today as a sledgehammer way to switch off MAI while I checked and re-aligned all my MAI targets; everything that sold in the meantime went into my cash account for safe keeping until I was happy to unleash MAI.
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Post by Jack Barlow on Oct 22, 2014 0:03:34 GMT
Very minor bug: the loan #142 avatar is not displaying - broken link.
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ianb
Posts: 161
Likes: 54
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Post by ianb on Oct 22, 2014 6:14:30 GMT
I think others have commented on the amount of white space/pagination of the loans which I see as an irritant - if the software cant detect the browser type to control this another option would be a user flag controlling how many loans to display per page (which I would set to 100). On the loan details displayed, it would be good to be able to see from the loans list those which currently have a credit event (like FF) or those which are currently late in payment (like Woody) - this could be done by colouring one of the columns. I think problems have been reported on the Term column - I don't think this really works for bullet loans as there is no way of spotting which loans are bullets, without going in to the detail of the loan - again colouring could pick these out. Overall I still need to rely heavily on my .xls to get a concise view of whats what.
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pikestaff
Member of DD Central
Posts: 2,187
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Post by pikestaff on Oct 22, 2014 6:57:10 GMT
1) Manual investment is always on, but if you r holding and target are equal then it will ignore you.... 1) Not true: See my comment under "Loan divisibility" -- the site just sold parts in a loan and then repurchased others. No authorisation to do that. Holding was equal to target.... I wonder. Could it be that there was a difference but it was less than 1p (a rounding difference) and somebody forgot to tell the AI to ignore rounding differences? Just a thought.
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TFTO
Member of DD Central
Posts: 143
Likes: 71
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Post by TFTO on Oct 22, 2014 8:05:50 GMT
Can we have a filter option to view those loans opted out/opted in?
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Steerpike
Member of DD Central
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Likes: 1,687
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Post by Steerpike on Oct 22, 2014 8:08:22 GMT
Change profile fails unless one either removes the existing password or completes both password fields
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Post by chris on Oct 22, 2014 8:16:21 GMT
No off button as such, but you can make all repayments and interest payments go to your cash account rather than letting them be reinvested which has similar effect, until you transfer money back into your MI account and the MAI takes over. Yes but you cannot control what happens when it goes back, especially on those amortising loans, without manually re-setting every single loan target to what it should be after allowing for amortisation. I'm not sure I want to put ANY money into my MLIA until this is fixed. Never made that promise, my reply was that it was dealt with in the new platform. The reason people were asking for the off switch was so that they could move funds around - this is dealt with in the new platform as funds are segregated. There is no off button though, we did include one but found it very confusing in practice when doing our user testing.
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Post by chris on Oct 22, 2014 8:17:09 GMT
Change profile fails unless one either removes the existing password or completes both password fields Will investigate - that screen hasn't changed as far as I'm aware, but I'll check it out.
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Post by chris on Oct 22, 2014 8:18:36 GMT
Can we have a filter option to view those loans opted out/opted in? Opt-out was released accidentally as it was intended for the create your own products when they roll out. We'll be clarifying its use today.
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Post by chris on Oct 22, 2014 8:22:59 GMT
Either way, where do I find the "withdrawal target" setting? I can only assume this relates to the "On Repayment" setting at the bottom-left of the "Manual Loan Investments Account" section. When you withdraw money from manual invest, or any other investment account, if you don't have idle cash available to process that request immediately then it sets a withdraw target for the remaining balance. This is then displayed against that investment account until it is fulfilled. The system will also try and sell loan units and redirect loan repayments until it's fulfilled.
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Post by chris on Oct 22, 2014 8:24:17 GMT
1) Not true: See my comment under "Loan divisibility" -- the site just sold parts in a loan and then repurchased others. No authorisation to do that. Holding was equal to target.... I wonder. Could it be that there was a difference but it was less than 1p (a rounding difference) and somebody forgot to tell the AI to ignore rounding differences? Just a thought. Possibly, but loan units are always whole pence in terms of principal remaining. I'll investigate further.
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Post by chris on Oct 22, 2014 8:25:54 GMT
I think others have commented on the amount of white space/pagination of the loans which I see as an irritant - if the software cant detect the browser type to control this another option would be a user flag controlling how many loans to display per page (which I would set to 100). On the loan details displayed, it would be good to be able to see from the loans list those which currently have a credit event (like FF) or those which are currently late in payment (like Woody) - this could be done by colouring one of the columns. I think problems have been reported on the Term column - I don't think this really works for bullet loans as there is no way of spotting which loans are bullets, without going in to the detail of the loan - again colouring could pick these out. Overall I still need to rely heavily on my .xls to get a concise view of whats what. We're moving to displaying 50 loans at a time this morning and will make it user configurable in time. The other suggestions will be included in part of our wider and ongoing UX review.
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