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Post by ruth77 on Dec 3, 2019 9:29:28 GMT
Has anyone looked at the Loan Book this morning? There are multiple versions of quite a lot of loans - I've got one showing 10 times!
The totals on the Loan Book screen are too high, but looking at the csv download it is easy to see why. I've emailed Zopa and asked them to fix this as a matter of urgency.
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aju
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Post by aju on Dec 3, 2019 10:07:16 GMT
Has anyone looked at the Loan Book this morning? There are multiple versions of quite a lot of loans - I've got one showing 10 times!
The totals on the Loan Book screen are too high, but looking at the csv download it is easy to see why. I've emailed Zopa and asked them to fix this as a matter of urgency.
I downloaded the loanbook for my invest account sunday - nothing has been lent on this for nearly a year having moved incoming funds over to ISA account and the numbers seem to line up. You say its obvious but how is it obvious there are changes other than those that appeared earlier in the month as detailed in this thread. I ran checks on my data and I did have to rearrange my tools for this download quite a bit - I am still updating a lot of external linkages in my spreadsheets - but generally the numbers were the same for my data. I am in the process of doing this for Mrs Aju's invest account and then will have to do similar for both our ISA's. Is this what you mean or are there now even more changes as of yesterday. I haven't looked at the onscreen version as yet today or yesterday but hopefully they have not pulled the comments field that had been pulled from the offline versions. Edit1: Have just checked online loanbook for my invest and loan numbers look correct for all products - I just put the string "zopa core", "zopa classic" etc in search box to get breakdown numbers and checked them against last months numbers and all looks correct for me anyway.Edit2: Oops checked wrong data I can see what you mean in offline downloads of invest at least and as you say its obvious as well. Just sorting on borrower id in online shows the issue as well. Apologies for my doubting what you were referring too. I should have gone back to my computer rather than checking things whilst eating breakfast.  .Let us know what Zopa thinks on this but to be honest I'm not really surprised they are screwing things up as their QA on changes seem very haphazard if it exist at all. Lets hope this is a simple report issue rather than an underlying data issue which will mean a full blown drains up and a reload from backups etc etc.
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Post by ruth77 on Dec 3, 2019 10:51:50 GMT
I had a problem on both my investment book (mix of Classic and Core, but no new investments since April 2018) and my ISA book into which all my repayments are moved. In both cases the total number of loans was higher than it should have been, with a corresponding increase in the amount invested/outstanding. The total on the Loan Book page is somewhat higher than the correct total on the Summary page. It was only a relatively small proportion of my loans that were affected (2-3%) but those were duplicated between 2 and 10 times. It could well be that not everyone will be affected, it probably just depends on the profile of your loans.
This is a new problem today - I'd done some end of month checks at the weekend, when I still had the expected number/value of loans - and is content related rather than format.
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Post by ruth77 on Dec 3, 2019 10:54:22 GMT
Edit2: Oops checked wrong data I can see what you mean in offline downloads of invest at least and as you say its obvious as well. Just sorting on borrower id in online shows the issue as well. Apologies for my doubting what you were referring too. I should have gone back to my computer rather than checking things whilst eating breakfast. .Let us know what Zopa thinks on this but to be honest I'm not really surprised they are screwing things up as their QA on changes seem very haphazard if it exist at all. Lets hope this is a simple report issue rather than an underlying data issue which will mean a full blown drains up and a reload from backups etc etc. Eating and checking is always a challenge first thing in the morning 
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aju
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Post by aju on Dec 3, 2019 11:11:59 GMT
Edit2: Oops checked wrong data I can see what you mean in offline downloads of invest at least and as you say its obvious as well. Just sorting on borrower id in online shows the issue as well. Apologies for my doubting what you were referring too. I should have gone back to my computer rather than checking things whilst eating breakfast. .Let us know what Zopa thinks on this but to be honest I'm not really surprised they are screwing things up as their QA on changes seem very haphazard if it exist at all. Lets hope this is a simple report issue rather than an underlying data issue which will mean a full blown drains up and a reload from backups etc etc. Eating and checking is always a challenge first thing in the morning You are not wrong there I don't usually get access to Mrs Aju's tab that often, apparently I'm not qualified to operate such a sophisticated modern tool. She's perfectly happy to allow me to perform complicated excel spreadsheet analysis on her investments though so all's well most of the time. I'm keeping my fingers crossed they get some decent data analysts into the zopa towers who understand changes to report data should only ever be added to the end of the reports so that existing tools require less changes than I'm currently stuck with to have to update. Mind you the cynic in me thinks they knew exactly what they were doing and were hoping to stave off detailed analyst annoyances like I regularly seem to give them. It can be quite lucrative as well although to be fair to the back end people they have been quite quiet while the front end has had more focus for changes.
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Post by ruth77 on Dec 3, 2019 11:18:13 GMT
I think hoping for some decent data analysts and QA is a step too far - I've offered to help but somehow they don't seem to want to hear from me any more!!!
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aju
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Post by aju on Dec 3, 2019 13:16:59 GMT
I think hoping for some decent data analysts and QA is a step too far - I've offered to help but somehow they don't seem to want to hear from me any more!!! That's an interesting position they are taking, recently I have been more focused on RS and have not noticed any real changes lately until this month in Zopa and this one is bigun. In the past I have found numerous imperfections in their systems even down to odd changes in monthly statements that I found a while back. They claimed they had not made any changes and so I just presented them with some of the data I had and lo and behold someone eventually fixed some discrepancy in data changes that had rolled forward from pre 2015 data. Another one I found was them selling classic PF covered loans incorrectly and thus losing PF on a number of loans for both myself and Mrs aju - that one was eventually restored back and also handsomely compensated for. Seems to me with this kind of error it may well follow that there are some worse issues under the hood. Quite why this should have happened if they are testing is just rediculous in my eyes. Mind you now that RS has reduced the ability to lend at good rates perhaps I will be more focussed on Zopa ails for a while.
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Post by ruth77 on Dec 4, 2019 14:43:07 GMT
No response to my email from yesterday - but I'e just logged in and my loan book is now back to normal.
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aju
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Post by aju on Dec 4, 2019 23:46:35 GMT
No response to my email from yesterday - but I'e just logged in and my loan book is now back to normal.
I'm not sure they have fully fixed it. It seems Mrs aju's current loanbook may be fixed - duplicates wise but her alltime loanbook is definitely festooned with duplicates. I've yet to check mine as the site is very unstable with online loanbook so I have been using direct links to get the offline loanbooks.
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Post by geoffp on Dec 6, 2019 11:15:01 GMT
Is it possible that the duplicate entries (I have them too) are because the same borrower has had more than one loan at different times?
I have just done some excel: I have 1,816 duplicates in a loan list of 32,450.
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aju
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Post by aju on Dec 6, 2019 14:41:54 GMT
Is it possible that the duplicate entries (I have them too) are because the same borrower has had more than one loan at different times? I have just done some excel: I have 1,816 duplicates in a loan list of 32,450. Yes i have many of those too, even some where the lender paid off and restarted almost straight away I guess as the rates were favourable. Many of the ones thought were as I said 2015, I think it may have been related to changing the fees changes but what happened there was a correction in a number of loans where by they were closed and then repurchased on the same day I think to correct small discrepancies in rates. I'd have to look back at my emails at the time to be more certain. I have a "last payment received" column in my loanbook spreadsheets, it comes from having full statements data that details when the last payment was received so I can see that but I was cutting corners just looking at the latest loanbooks and forgot about legitimate. I didn't use this data when I first reported as I was working with changed tables that I hadn't yet integrated in my main sheets at the time.
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