star dust
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Post by star dust on Oct 11, 2019 12:48:10 GMT
I thought I’d try a poll to see where we might be. I’ll leave the poll open until mid-November, so if you answer “No” or “Yes & No” you could change your vote when you subsequently hear. I was also interested in the sort of accounts that have failed Experian checks, and wonder if it’s mainly company ones, however again a bit complicated for the Pro-Boards basic polls, and somewhat lacking in nuance, but I'll run a second poll for that. 23% failure seems pretty high to me, and maybe something RSM should be pushing back on?
I understand that some also seem to manage accounts for others, and know of closely connected people who are in a different situation, but trying to cater for such situations in the Poll/s was a bit too convoluted, so is probably best recorded as comments in the AML thread.
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Post by picanto on Oct 11, 2019 12:51:08 GMT
No, haven't heard anything. I've sent an E-mail to RSM asking them what's happened.
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MarkT
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Post by MarkT on Oct 11, 2019 12:52:51 GMT
My personal (and only) Lendy account failed the AML check.
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Post by Badly Drawn Stickman on Oct 12, 2019 13:27:13 GMT
Frustrating as it is to have failed the initial test (I have a strange feeling a 3rd poll, for failed again may be needed), I can't help but feel those who have yet to receive any email must be the most frustrated. Given day 1 seemed to be mainly passed and day 2 mainly failed, it must be very concerning.
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garfield
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Post by garfield on Oct 12, 2019 13:30:58 GMT
I understand (from the LAG website) that anyone who has unsubscribed from Ly e-mails will be e-mailed manually on Monday. Better to be subscribed!!
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Post by picanto on Oct 12, 2019 13:47:05 GMT
I understand (from the LAG website) that anyone who has unsubscribed from Ly e-mails will be e-mailed manually on Monday. Better to be subscribed!!
I never unsubscribed and haven't received an E-mail. I've received all the prior administration report e-mails in the past so I'm baffled as to why I haven't had any E-mail this time.
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Post by wildlife2 on Oct 12, 2019 14:52:41 GMT
For anyone who hasn't received their email yet, have you checked your junk mail? that's where mine turned up.
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star dust
Member of DD Central
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Post by star dust on Oct 12, 2019 15:06:20 GMT
Frustrating as it is to have failed the initial test (I have a strange feeling a 3rd poll, for failed again may be needed), I can't help but feel those who have yet to receive any email must be the most frustrated. Given day 1 seemed to be mainly passed and day 2 mainly failed, it must be very concerning. The biggest surprise to me so far is the small number of people reporting contact for their company's account in the second poll, from what's stated it always seems to me like quite a few forum members have them - p2pindependentforum.com/post/350883/thread, to only have three posters mention them and none verified seems a bit odd.
I'll leave a third poll to someone in that unfortunate position as stated I was lucky to get the 'verified' email for my personal and only account. Likely be interesting together with a how long (or how many attempts) did it take you perhaps? Maybe we should have a go at totting up the overall cost to investors too - ranging from £0 to £12 so far it seems; a wild extrapolation of the % proportion here to the 22,000 investors might be fun, it'd make a good newspaper article too  .
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mrk
Posts: 807
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Post by mrk on Oct 14, 2019 19:16:36 GMT
No, haven't heard anything. I've sent an E-mail to RSM asking them what's happened. On their 4th October update they said they "will be contacting you over the next 14 days to request the additional information to complete the checks", so that would be until the end of this week.
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elsee
Member of DD Central
Retired:D
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Post by elsee on Oct 15, 2019 12:51:39 GMT
I thought I’d try a poll to see where we might be. I’ll leave the poll open until mid-November, so if you answer “No” or “Yes & No” you could change your vote when you subsequently hear. I was also interested in the sort of accounts that have failed Experian checks, and wonder if it’s mainly company ones, however again a bit complicated for the Pro-Boards basic polls, and somewhat lacking in nuance, but I'll run a second poll for that. 23% failure seems pretty high to me, and maybe something RSM should be pushing back on?
I understand that some also seem to manage accounts for others, and know of closely connected people who are in a different situation, but trying to cater for such situations in the Poll/s was a bit too convoluted, so is probably best recorded as comments in the AML thread.
I have decided that the only reason I have been asked for verification is because I used 2 bank accounts. One in my name and the other a joint account. Maybe worth a poll?
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Post by rooster on Oct 15, 2019 19:33:54 GMT
I thought I’d try a poll to see where we might be. I’ll leave the poll open until mid-November, so if you answer “No” or “Yes & No” you could change your vote when you subsequently hear. I was also interested in the sort of accounts that have failed Experian checks, and wonder if it’s mainly company ones, however again a bit complicated for the Pro-Boards basic polls, and somewhat lacking in nuance, but I'll run a second poll for that. 23% failure seems pretty high to me, and maybe something RSM should be pushing back on?
I understand that some also seem to manage accounts for others, and know of closely connected people who are in a different situation, but trying to cater for such situations in the Poll/s was a bit too convoluted, so is probably best recorded as comments in the AML thread.
I have decided that the only reason I have been asked for verification is because I used 2 bank accounts. One in my name and the other a joint account. Maybe worth a poll? Hmmmm, I've been asked for verification yet my situation couldn't be more simple: Source and target bank account was the same single one, a personal/domestic one at that. Lived at same home address for just shy of 20 years, where account is registered to. HOWEVER... bank account was also a joint account.... I wonder if that's the missing link.
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sirius
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Post by sirius on Oct 15, 2019 21:00:54 GMT
I have decided that the only reason I have been asked for verification is because I used 2 bank accounts. One in my name and the other a joint account. Maybe worth a poll? Hmmmm, I've been asked for verification yet my situation couldn't be more simple: Source and target bank account was the same single one, a personal/domestic one at that. Lived at same home address for just shy of 20 years, where account is registered to. HOWEVER... bank account was also a joint account.... I wonder if that's the missing link. Could be, as my wife and I both have an account with Lendyand use a joint bank account.
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garfield
Member of DD Central
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Post by garfield on Oct 15, 2019 21:06:48 GMT
Hmmmm, I've been asked for verification yet my situation couldn't be more simple: Source and target bank account was the same single one, a personal/domestic one at that. Lived at same home address for just shy of 20 years, where account is registered to. HOWEVER... bank account was also a joint account.... I wonder if that's the missing link. Could be, as my wife and I both have an account with Lendyand use a joint bank account. You're all on the wrong track! There is no sense to it other than incompetence!! Modern world... can't get the staff 'n' all that...
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jcb208
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Post by jcb208 on Oct 16, 2019 5:09:44 GMT
Used the same bank account since registration and failed the AML,well saying that there is no sign of a search done on my credit report so I wonder why ?
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sl75
Posts: 2,092
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Post by sl75 on Oct 16, 2019 6:50:20 GMT
You're all on the wrong track! There is no sense to it other than incompetence!! Modern world... can't get the staff 'n' all that... There's also no (short-term) incentive to them to get competent staff who get things done quickly and efficiently; that's less hours that they can justify billing us for.
As I understand it, they need to delay and stretch things out until the number of billable hours just about reaches the cap that was agreed for the first year. Then they can assign the competent and efficient staff to finish off the job.
Still no comms at all for me... but I also have £0.00 of "available funds" and didn't have a pending cash withdrawal (I'd re-invested the last set of interest payments into DFL037 rather than getting caught up in the withdrawal fiasco).
I've also re-read the last message they sent to me (as a direct response shortly before the last general announcement), and it says (my emphasis):
"... once received we will be notifying all investors with funds on account of their account status."
Technically, right now, I have no funds on account. Could it be possible that this entire AML exercise is only about the client funds (i.e. "available funds" plus any withdrawals that never got processed), and has no bearing whatsoever on the balance from the outstanding loan book?
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