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Post by badger on Oct 23, 2014 23:25:57 GMT
On the transaction statements, could we have credits in black and debits in red please
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duck
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Post by duck on Oct 24, 2014 4:07:38 GMT
I have 2 AC accounts one for personal use and one for my Ltd Co.
In the top right my name alone appears for both accounts. When swapping between accounts this has caused my brain cells to scramble over which account I am in.
In the old site the corresponding box had Personal Name of Company Ltd displayed which made identifying which account you were in easy ............... can similar be re-instated?
Probably 'user error' here but the statement is confusing me. For both accounts the last entry showing (from transition day) is transfer from Cash to MLIA. Now 'stuff' has been happening, transactions have been made and I was expecting at least one payment but I have no visibility of what has been going on apart from checking holdings in each individual loans .............how can I get some visibility?
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Post by lynnanthony on Oct 24, 2014 5:25:03 GMT
Probably 'user error' here but the statement is confusing me. For both accounts the last entry showing (from transition day) is transfer from Cash to MLIA. Now 'stuff' has been happening, transactions have been made and I was expecting at least one payment but I have no visibility of what has been going on apart from checking holdings in each individual loans .............how can I get some visibility? What you are looking at is your cash account. What you want are your transactions. On your dashboard, look at your "Manual loans investment account". Far right, to the right of "current interest", are three parallel horizontal lines. Click them. Now click "your transactions". Took me a while to work it out.
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pikestaff
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Post by pikestaff on Oct 24, 2014 7:40:14 GMT
chris I'm copying this functionality request from a private thread p2pindependentforum.com/post/26203/thread...The loan is in default and cannot be bought or sold. That has been the case for a month, with the fact of the default being visible in the loan overview and mentioned on the forum. Had it been me, I'd have reset the target to zero as soon as I found out about the default, just in case it became tradeable again and I got dumped on. Since AC does not provide us with list of loans in default, it is necessary to watch the forum like a hawk, or actively check the overview (and probably the Q&A and repayment history as well) for every loan where you have a non-zero target. Even more essential under the new system! Which leads me to a functionality request. Please could AC: (1) inform all lenders with a non-zero target or holding in a loan, whenever a default occurs. This should be automatic, driven off whether payments are on time. A lot of these defaults will turn out to be minor and cured quickly but you could include some suitable boilerplate in the notification to cover that possibility; (2) provide us with a list of loans in default. If such loans have a flag on the system, this could be via an additional filter in "browse loans"; (3) if it's not asking too much, provide us with a similar list of loans with cured defaults...?
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Post by lynnanthony on Oct 24, 2014 7:41:27 GMT
Out of interest(!), has anyone received any interest or principal since the update? I have one loan (107) which was due 22nd and doesn't seem to have been paid. Is that loan late or is there a more general problem ..... or am I looking in the wrong place?
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hendragon
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Post by hendragon on Oct 24, 2014 7:55:48 GMT
everything seems to be on hold at the moment. Repayments, and particularly promised updates on loans. Hopefully AC will catch up soon.
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Post by Ton ⓉⓞⓃ on Oct 24, 2014 8:28:32 GMT
Out of interest(!), has anyone received any interest or principal since the update? I have one loan (107) which was due 22nd and doesn't seem to have been paid. Is that loan late or is there a more general problem ..... or am I looking in the wrong place? Not 100% sure, but the River Boat Loan 14 had a tech issue on payment, the principle came thru but the interest got stuck for less than an hour Looking at my statement S I can see the usual payments coming in. Except the one you mention 107, where a question has been asked and is awaiting an answer IN EDIT You say about not being sure have a read thru' sl75's thread HERE
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sl75
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Post by sl75 on Oct 24, 2014 8:31:16 GMT
Out of interest(!), has anyone received any interest or principal since the update? I have one loan (107) which was due 22nd and doesn't seem to have been paid. Is that loan late or is there a more general problem ..... or am I looking in the wrong place? Just one, on 21st Oct 2014 at 16:14 - interest £0.77, principal £0.27, total £1.05 As designed, the system immediately re-invested this in a different loan that was short of my target.
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Post by Ton ⓉⓞⓃ on Oct 24, 2014 8:34:00 GMT
Out of interest(!), has anyone received any interest or principal since the update? I have one loan (107) which was due 22nd and doesn't seem to have been paid. Is that loan late or is there a more general problem ..... or am I looking in the wrong place? One one, on 21st Oct 2014 at 16:14 - interest £0.77, principal £0.27, total £1.05 As designed, the system immediately re-invested this in a different loan that was short of my target. But if you look at the repayments tab on the loan it's self; it's missing...
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hendragon
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Post by hendragon on Oct 24, 2014 8:37:11 GMT
this seems to be patchy. I have no repayments for 47,57,106 &110 (no repayments entered under the loan page). Also missing 92 with a repayment being marked as paid.
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kermie
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Post by kermie on Oct 24, 2014 9:27:13 GMT
Yay - I can now set an explicit target for each loan without getting my calculator out to work out the difference. Minor functional change looks to have been done in the past few hours.
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oldgrumpy
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Post by oldgrumpy on Oct 24, 2014 9:33:06 GMT
Thank you Chris ... Let's hope folks actually read what each of the three options says. I'd prefer the default option to be "set my investment target as", but that is just my preference. Chris has more important things to continue with now - like individual loan "switch-off" for the MLIA.
edit: and even more important, getting ALL peoples account/interest/bid figures completely correct!
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sl75
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Post by sl75 on Oct 24, 2014 10:41:23 GMT
Thank you Chris ... Let's hope folks actually read what each of the three options says. I'd prefer the default option to be "set my investment target as", but that is just my preference. Chris has more important things to continue with now - like individual loan "switch-off" for the MLIA. Personally, I don't even understand the use case for the "increase by" and "decrease by" options. The old method of having the box pre-filled with an editable figure for the new target seemed to me much more intuitive. Could the use case for "increase by" and "decrease by" maybe be fulfilled by having a UI similar to what was there for AI targets on the old site, removing the radio buttons above the box, and a row of buttons below it (possibly with user-configurable amounts) like [-£100] [-£10] [-£1] [+£1] [+£10] [+£100]
However, there seem to me far more urgent issues to deal with before these kinds of tweaks, such as fixing the bug causing the account totals to be wrong, for example by showing a temporary subtotal for "Reserved for bids from old site" within the cash account... or at the very least having a banner on the main screen acknowledging the problem! It is unacceptable that the bid money simply appears to have vanished into a black hole.
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pikestaff
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Post by pikestaff on Oct 24, 2014 10:46:49 GMT
Too complicated for me. I'm happy with it now. As regards what's intuitive, you takes your choice. A lot of lenders complained that the old way was non-intuitive, and wanted it changed to increase/decrease. Then when chris changed it the other half complained. He can't win! |
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Post by chris on Oct 24, 2014 11:03:22 GMT
Thank you Chris ... Let's hope folks actually read what each of the three options says. I'd prefer the default option to be "set my investment target as", but that is just my preference. Chris has more important things to continue with now - like individual loan "switch-off" for the MLIA. Personally, I don't even understand the use case for the "increase by" and "decrease by" options. The old method of having the box pre-filled with an editable figure for the new target seemed to me much more intuitive. Could the use case for "increase by" and "decrease by" maybe be fulfilled by having a UI similar to what was there for AI targets on the old site, removing the radio buttons above the box, and a row of buttons below it (possibly with user-configurable amounts) like [-£100] [-£10] [-£1] [+£1] [+£10] [+£100]
However, there seem to me far more urgent issues to deal with before these kinds of tweaks, such as fixing the bug causing the account totals to be wrong, for example by showing a temporary subtotal for "Reserved for bids from old site" within the cash account... or at the very least having a banner on the main screen acknowledging the problem! It is unacceptable that the bid money simply appears to have vanished into a black hole. We had a fair few lenders complain about the old way of doing things, particularly new lenders who found having to enter the total they wanted to hold to be counter intuitive. Several wanted to increase their holdings but ended up selling loan units after being caught out by that. We're going to be adding the third option in there of setting your target to x so hopefully both methodologies will be catered for.
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