iRobot
Member of DD Central
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Post by iRobot on Apr 7, 2020 18:42:50 GMT
Would some kind soul please create a new thread where the actual payments made since the pooling event could be listed and maintained in the first post in the thread. It would be good if it could be a purely factual thread. I would do this myself, but as I don't have any funds in the pool yet I would need to trawl through way too many threads and posts to find the info. I have several withdrawals from the 90DAA coming through and I'd like to get some idea of the repayment rate. TIA I think such a thread would be meaningless as I think the playouts are random and don't correspond to one's holdings. Think of it as confetti thrown in the air, some land on your head, some don't  Likewise, not sure it warrants a dedicated thread, but for the record, my repayments since 20/03 (excludes interest). Have put others' alongside so, as you can see, broadly the same. | DATE | CREDIT / DEBIT | gmitz | alanh | | 7th Apr 2020 at 08:55 | £7.53 | 7.53 | | | 6th Apr 2020 at 12:33 | £16.61 | | 16 | | 6th Apr 2020 at 10:06 | £3.62 | 23.16 | | | 6th Apr 2020 at 05:06 | £2.93 | | | | 4th Apr 2020 at 12:05 | £3.17 | 3.17 | | | 3rd Apr 2020 at 20:25 | £3.12 | | | | 3rd Apr 2020 at 14:05 | £3.17 | 16.39 | | | 3rd Apr 2020 at 10:41 | £6.88 | | | | 2nd Apr 2020 at 19:00 | £3.22 | 3.22 | | | 1st Apr 2020 at 22:13 | £3.36 | | | | 1st Apr 2020 at 18:05 | £234.68 | | 234 | | 30th Mar 2020 at 13:03 | £17.08 | | 17 | | 30th Mar 2020 at 12:05 | £2.39 | | | | 30th Mar 2020 at 09:16 | £5.82 | | | | 28th Mar 2020 at 12:11 | £1.67 | | | | 27th Mar 2020 at 16:25 | £4.90 | | | | 27th Mar 2020 at 14:03 | £3.50 | | | | 27th Mar 2020 at 13:57 | £5.09 | | | | 26th Mar 2020 at 20:33 | £1.82 | | | | 26th Mar 2020 at 09:05 | £6.77 | | | | 25th Mar 2020 at 14:31 | £4.69 | | | | 25th Mar 2020 at 12:06 | £1.83 | | | | 25th Mar 2020 at 10:59 | £90.73 | | 91 | | 25th Mar 2020 at 09:15 | £3.10 | | | | 24th Mar 2020 at 10:18 | £1.00 | | | | 23rd Mar 2020 at 16:36 | £1.00 | | | | 23rd Mar 2020 at 12:08 | £1.00 | | | | 23rd Mar 2020 at 10:38 | £1.00 | | | | 23rd Mar 2020 at 09:10 | £1.18 | | | | 23rd Mar 2020 at 09:06 | £1.00 | | | | 22nd Mar 2020 at 10:04 | £1.00 | | | | 21st Mar 2020 at 23:04 | £1.00 | | | | 20th Mar 2020 at 12:07 | £41.49 | | 41 | | 20th Mar 2020 at 12:04 | £1.00 | | |
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Post by Ace on Apr 7, 2020 19:01:06 GMT
Yes, thanks iRobot. For those of us that don't currently have access to this info it is enlightening. It shows the general background level of repayments that have been made and the larger sums from capital repayments. The reason I suggested a separate thread was that I felt that it would be quickly lost in this one, and would be easier to maintain as a first post. A bit like the one on FC that many of us found useful. I realise that some bemoaned it, but it's easy to ignore a thread you don't find useful. |
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iRobot
Member of DD Central
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Post by iRobot on Apr 7, 2020 19:07:43 GMT
Ace - no problem. I can update that post periodically (but not daily!) - when do you anticipate your withdrawal requests to 'splashdown' into the pool? 
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Post by Ace on Apr 7, 2020 19:11:12 GMT
Ace - no problem. I can update that post periodically (but not daily!) - when do you anticipate your withdrawal requests to 'splashdown' into the pool? Thanks iRobot, I've got weekly withdrawals due from the 90DAA starting on 19th April.
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alender
Member of DD Central
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Post by alender on Apr 7, 2020 19:59:05 GMT
Exactly. The interest is not part of this, its just the usual monthly payout. As regards actual repayments into investors cash accounts there have been the following ones of note (if you call anything over a tenner "of note") 20/3 £41 25/3 £91 30/3 £17 1/4 £234 6/4 £16 There have been numerous other payments not worth listing of £3 here or £1.50 there that amount to almost nothing Would some kind soul please create a new thread where the actual payments made since the pooling event could be listed and maintained in the first post in the thread. It would be good if it could be a purely factual thread. I would do this myself, but as I don't have any funds in the pool yet I would need to trawl through way too many threads and posts to find the info. I have several withdrawals from the 90DAA coming through and I'd like to get some idea of the repayment rate. TIA I think this is a good idea, it could be pinned and contain just a few entries which are edited at regular intervals, these could be total payments since lock down, monthly totals and a full breakdown of every payment. We could also have a list of of the loans that have repaid and their values but I am missing the first few of these.
To start this I have this information in some spreadsheets which I can bring together if there is enough interest. The current running total withdrawn so far from my QAA account in the pool released is £486.49.
This thread IMO should not be used for posting and contain not comments just factual information and just a few entries.
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gmitz
Posts: 71
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Post by gmitz on Apr 8, 2020 10:39:01 GMT
I think this is a good idea, it could be pinned and contain just a few entries which are edited at regular intervals, these could be total payments since lock down, monthly totals and a full breakdown of every payment. We could also have a list of of the loans that have repaid and their values but I am missing the first few of these.
To start this I have this information in some spreadsheets which I can bring together if there is enough interest. The current running total withdrawn so far from my QAA account in the pool released is £486.49.
This thread IMO should not be used for posting and contain not comments just factual information and just a few entries.
You will be looking for ThisGuys, why would you want to torture yourselves with this, to what end? The picture is clear, AC has around 15200 investors who have invested around £315 millions across all accounts. Now, let's presume 3/4 of the loans are good and performing ones, that's £236.25M. Let's be generous here and presume all loans are @5% a year, that's £11,812,500.00 annual interest or £32,363.00 a day and that is just interest, we can't include capital repayment because it will be to complicated. If we receive £15-20 a day that means around 2000 investors have put a withdrawal request. I am being generous with the figures here (I don't have a choice) but maybe AC are really paying out whatever they can. In normal circumstances some other investor will buy your investments if you want to withdraw cash, now there's no one to invest(buy you out) hence, the biggest playouts are on 1st of the month when the interest from the Access Accounts are paid out and reinvested from those investors who want to stay put. Common Chris, come and shed some light if you don't want conspiracy theories. Am I close?
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Post by Harland Kearney on Apr 8, 2020 13:12:30 GMT
You will be looking for ThisGuys, why would you want to torture yourselves with this, to what end? The picture is clear, AC has around 15200 investors who have invested around £315 millions across all accounts. Now, let's presume 3/4 of the loans are good and performing ones, that's £236.25M. Let's be generous here and presume all loans are @5% a year, that's £11,812,500.00 annual interest or £32,363.00 a day and that is just interest, we can't include capital repayment because it will be to complicated. If we receive £15-20 a day that means around 2000 investors have put a withdrawal request. I am being generous with the figures here (I don't have a choice) but maybe AC are really paying out whatever they can. In normal circumstances some other investor will buy your investments if you want to withdraw cash, now there's no one to invest(buy you out) hence, the biggest playouts are on 1st of the month when the interest from the Access Accounts are paid out and reinvested from those investors who want to stay put. Common Chris, come and shed some light if you don't want conspiracy theories. Am I close? The 1st of April payment was a loan repayment of some type if I renember correctly. I am not sure if it was interest reinvestment entirely. As you say, only Chris can stop the conspiracy theories! Realistically, the majority of investors will be paid back by capital repayments starting early July, assuming the UK returns to running order then. (a big if) Payouts currently will just remove some small investors from that queue for the time being, until we reach the MOV sometime in the future.
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cb25
Posts: 3,528
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Post by cb25 on Apr 8, 2020 13:41:18 GMT
Guys, why would you want to torture yourselves with this, to what end? The picture is clear, AC has around 15200 investors who have invested around £315 millions across all accounts. Now, let's presume 3/4 of the loans are good and performing ones, that's £236.25M. Let's be generous here and presume all loans are @5% a year, that's £11,812,500.00 annual interest or £32,363.00 a day and that is just interest, we can't include capital repayment because it will be to complicated. If we receive £15-20 a day that means around 2000 investors have put a withdrawal request. I am being generous with the figures here (I don't have a choice) but maybe AC are really paying out whatever they can. In normal circumstances some other investor will buy your investments if you want to withdraw cash, now there's no one to invest(buy you out) hence, the biggest playouts are on 1st of the month when the interest from the Access Accounts are paid out and reinvested from those investors who want to stay put. Common Chris, come and shed some light if you don't want conspiracy theories. Am I close? . I am not sure if it was interest reinvestment entirely. As you say, only Chris can stop the conspiracy theories! Realistically, the majority of investors will be paid back by capital repayments starting early July, assuming the UK returns to running order then. (a big if) Payouts currently will just remove some small investors from that queue for the time being, until we reach the MOV sometime in the future. At the time (on this thread) I wondered if it was due to the £2.5m repaid by loans #628 and #686
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gmitz
Posts: 71
Likes: 22
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Post by gmitz on Apr 8, 2020 16:06:11 GMT
You will be looking for ThisGuys, why would you want to torture yourselves with this, to what end? The picture is clear, AC has around 15200 investors who have invested around £315 millions across all accounts. Now, let's presume 3/4 of the loans are good and performing ones, that's £236.25M. Let's be generous here and presume all loans are @5% a year, that's £11,812,500.00 annual interest or £32,363.00 a day and that is just interest, we can't include capital repayment because it will be to complicated. If we receive £15-20 a day that means around 2000 investors have put a withdrawal request. I am being generous with the figures here (I don't have a choice) but maybe AC are really paying out whatever they can. In normal circumstances some other investor will buy your investments if you want to withdraw cash, now there's no one to invest(buy you out) hence, the biggest playouts are on 1st of the month when the interest from the Access Accounts are paid out and reinvested from those investors who want to stay put. Common Chris, come and shed some light if you don't want conspiracy theories. Am I close? I am totally confused now. According to the Forbearance Vote Results, AC has 4658 + 6.3% investors, 4658 who voted and 6.3% who didn't or less than 5000 altogether. But according to AC website, AC has 15,194 investors in QAA. We are ten thousand investors short. So, where have that ten thousand investors gone? 
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Post by Harland Kearney on Apr 8, 2020 16:21:32 GMT
Guys, why would you want to torture yourselves with this, to what end? The picture is clear, AC has around 15200 investors who have invested around £315 millions across all accounts. Now, let's presume 3/4 of the loans are good and performing ones, that's £236.25M. Let's be generous here and presume all loans are @5% a year, that's £11,812,500.00 annual interest or £32,363.00 a day and that is just interest, we can't include capital repayment because it will be to complicated. If we receive £15-20 a day that means around 2000 investors have put a withdrawal request. I am being generous with the figures here (I don't have a choice) but maybe AC are really paying out whatever they can. In normal circumstances some other investor will buy your investments if you want to withdraw cash, now there's no one to invest(buy you out) hence, the biggest playouts are on 1st of the month when the interest from the Access Accounts are paid out and reinvested from those investors who want to stay put. Common Chris, come and shed some light if you don't want conspiracy theories. Am I close? I am totally confused now. According to the Forbearance Vote Results, AC has 4658 + 6.3% investors, 4658 who voted and 6.3% who didn't or less than 5000 altogether. But according to AC website, AC has 15,194 investors in QAA. We are ten thousand investors short. So, where have that ten thousand investors gone? Alot of investors may not have logged into vote, or cared. More investors are passive that I think most know on this board. Some of those accounts may also have very small amounts of funds in them (if not >0.01) and defaults from over the years I bet. Those who didnt' vote were automatically casted as A, as the Goverment guidelines are indiciating thats the correct action for lenders at this time.
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Mikeme
Member of DD Central
Posts: 428
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Post by Mikeme on Apr 8, 2020 16:24:29 GMT
I am still buying a drink for the staff.
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Post by Harland Kearney on Apr 8, 2020 16:27:53 GMT
I am still buying a drink for the staff. The mad mans at it again  Don't you'll wake the natives again! 
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gmitz
Posts: 71
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Post by gmitz on Apr 8, 2020 16:36:36 GMT
I am totally confused now. According to the Forbearance Vote Results, AC has 4658 + 6.3% investors, 4658 who voted and 6.3% who didn't or less than 5000 altogether. But according to AC website, AC has 15,194 investors in QAA. We are ten thousand investors short. So, where have that ten thousand investors gone? Alot of investors may not have logged into vote, or cared. More investors are passive that I think most know on this board. Some of those accounts may also have very small amounts of funds in them (if not >0.01) and defaults from over the years I bet. Those who didnt' vote were automatically casted as A, as the Goverment guidelines are indiciating thats the correct action for lenders at this time. Harland, you are forgetting that this vote was compulsory and even if you don't vote, AC is voting "Yes" on your behalf. Voting or not, everyone is in the count.
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Post by Harland Kearney on Apr 8, 2020 16:37:48 GMT
Alot of investors may not have logged into vote, or cared. More investors are passive that I think most know on this board. Some of those accounts may also have very small amounts of funds in them (if not >0.01) and defaults from over the years I bet. Those who didnt' vote were automatically casted as A, as the Goverment guidelines are indiciating thats the correct action for lenders at this time. Harland, you are forgetting that this vote was compulsory and even if you don't vote, AC is voting "Yes" on your behalf. Voting or not, everyone is in the count. I know, he is refereing to casted votes, not swept votes. Ah I see my double meaning wording I just meant to say, that I think alot of the zombie accounts are because of the reasons above. They never bothered to login, or check AC anymore.
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Mikeme
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Post by Mikeme on Apr 8, 2020 17:25:04 GMT
I am still buying a drink for the staff. The mad mans at it again Don't you'll wake the natives again! I knew when I started the post it would be trolled. I did it because I that is I and I hoped other would see that there were people here that supported them. I didn't expect the whole thread to be hijacked as it has. I tried to bring it back on track but it was trolled again. The post you quoted was to show my support again. AC can't and wont support themselves here.
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