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Post by chris on Dec 13, 2013 18:27:55 GMT
Another idea: in the "Bid" panel, allow people to specify a loan part size, e.g, to bid £2000 in £20 loan parts. Default/maximum could still be £100, and minimum £20. This would save the fingers of large bidders who want parts less than £100. You will need to decide about what happens if the bid doesn't divide exactly, but that's not a major issue. Already supported but was taken out due to interface clutter and confusion for new lenders. Would be interested if lots of people would be interested in this and whether it should be there by default or if we should start supporting an "advanced" interface that people can opt in to.
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Post by brummiefred on Dec 13, 2013 18:33:42 GMT
Surely only relevant for those wishing for positive mark-ups on the aftermarket in the future, something only voted for by a minority.
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Post by chris on Dec 13, 2013 18:44:13 GMT
Surely only relevant for those wishing for positive mark-ups on the aftermarket in the future, something only voted for by a minority. It could also be for anyone who wants to take advantage of cashback offers or who want to be able to liquidate quickly. So whilst "flippers" would be very happy I can see other uses as well.
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andy2001
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Post by andy2001 on Dec 13, 2013 19:00:22 GMT
Given the 10p min on the 0.35% sale fee splitting into £20 units doesn't sound like the best idea.
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Post by pepperpot on Dec 13, 2013 20:11:00 GMT
The session expiry time should be 20 minutes but I'll double check and report back if that isn't the case. <snip> I just went out to the shop and must have been an hour or so and I was still logged on when I got back...
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mikes1531
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Post by mikes1531 on Dec 14, 2013 1:24:54 GMT
The browser is also explicitly set to not remember your email address and password... This is because it is considered a security risk if these details are not manually entered each time. Nominating a bank account to which all withdrawals have to go is currently being considered and is likely to be developed soon. I'm personally in favour but we need to work out the process for allowing someone to change their nominated account. We're also considering using a service like Authy as an optional extra that people can opt-in to using to authenticate themselves when they log in, and for changing key settings such as their password or nominated bank account. I accept that allowing a browser to remember passwords is a significant security risk. But I don't agree that applies to my email address, since that's known to an awful lot of people, including a zillion spam senders. So I'd really like an option to have the sign-in screen remember my email address. Or perhaps even allow users to select a User ID that can be used instead of their email address. That way I could use something to sign in with that requires a lot less keystrokes than my email address. The important thing is for it to be optional, so people who log in other than from their home PC, or who want to be as secure as they possibly can, are able to opt out. I agree that having a nominated bank account would be a very positive move. I'd be happy if it took another level of security to change that, or change my password, or change my registered email address, but I'm not sure I'd want to go through that every time I log in, because I tend to look at the website multiple times a day. Zopa use a two-level procedure and I must admit I don't find it a problem, but I don't have to key in my email address every time. The session expiry time should be 20 minutes but I'll double check and report back if that isn't the case. <snip> I just went out to the shop and must have been an hour or so and I was still logged on when I got back... Interesting. I've never found myself still logged after anywhere near that amount of idle time. You don't happen to be using a 'automatic refresh' browser add-in, are you?
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mikes1531
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Post by mikes1531 on Dec 14, 2013 1:32:21 GMT
Surely only relevant for those wishing for positive mark-ups on the aftermarket in the future... I'm not convinced of that. I have often placed a number of £40 and £60 bids to achieve the total I wanted to invest (still considerably less than £1k). I do that because I expect smaller chunks are more saleable than £100 chunks. It has nothing to do with whether I can add a mark-up if I decide to sell. If I should ever decide to sell then I want the sale to occur ASAP after I make the loan parts available to buy.
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Post by chris on Dec 14, 2013 8:24:59 GMT
I accept that allowing a browser to remember passwords is a significant security risk. But I don't agree that applies to my email address, since that's known to an awful lot of people, including a zillion spam senders. So I'd really like an option to have the sign-in screen remember my email address. Or perhaps even allow users to select a User ID that can be used instead of their email address. That way I could use something to sign in with that requires a lot less keystrokes than my email address. The important thing is for it to be optional, so people who log in other than from their home PC, or who want to be as secure as they possibly can, are able to opt out. I agree that having a nominated bank account would be a very positive move. I'd be happy if it took another level of security to change that, or change my password, or change my registered email address, but I'm not sure I'd want to go through that every time I log in, because I tend to look at the website multiple times a day. Zopa use a two-level procedure and I must admit I don't find it a problem, but I don't have to key in my email address every time. I just went out to the shop and must have been an hour or so and I was still logged on when I got back... Interesting. I've never found myself still logged after anywhere near that amount of idle time. You don't happen to be using a 'automatic refresh' browser add-in, are you? The official advice that we have received is that there is security risk in remembering the email address. Then again we were told that we should be enforcing a minimum of 18 characters for peoples passwords which I think is ridiculous. We could try to make it optional for the browser to remember your email address but this would involve use of a long life cookie which ends up being blocked by some browsers depending upon your settings. The session should definitely time out more quickly than that so I wonder if there is something else going on there. I'll run some experiments of my own as that wasn't part of the site that I personally wrote.
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Post by pepperpot on Dec 14, 2013 12:25:44 GMT
I just went out to the shop and must have been an hour or so and I was still logged on when I got back... Interesting. I've never found myself still logged after anywhere near that amount of idle time. You don't happen to be using a 'automatic refresh' browser add-in, are you? Aha! not an auto refresh but but I do have 'Do Not Track Me' on Firefox which blocks google analytics and crazy egg, so the AC site won't have any idea how long I'm logged in for  When 20mins was first mentioned my first thought was "that sounds about right" so I was a little surprised to see that I was still logged on, but I only enabled DNTM a couple of weeks ago, so that would account for the change.
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Post by chris on Dec 14, 2013 14:29:52 GMT
pepperpot - won't be that. We use a session cookie, that won't be blocked, to track your user session. This should be timed out on the server after a certain period which used to be 20 minutes. Apparently it was extended after a couple of complaints so the timeout was lengthened. However any resource request will reset that timer.
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mikes1531
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Post by mikes1531 on Dec 14, 2013 16:05:17 GMT
Here's another suggestion...
I can see total of my Loan Units at the top of the My Account page, and further down the page I can see the interest rate and accrued interest for each separate loan I have units of. I would find it helpful if the total also could be shown down with the detail listings, along with a weighted average interest rate and Accrued Interest total.
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bugs4me
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Post by bugs4me on Dec 14, 2013 16:32:39 GMT
pepperpot - won't be that. We use a session cookie, that won't be blocked, to track your user session. This should be timed out on the server after a certain period which used to be 20 minutes. Apparently it was extended after a couple of complaints so the timeout was lengthened. However any resource request will reset that timer. Can confirm that. I have 'Do Not Track Me' on Firefox and the AC site auto logs out after xx minutes of zero activity.
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Post by batchoy on Dec 14, 2013 17:07:03 GMT
The official advice that we have received is that there is security risk in remembering the email address. Then again we were told that we should be enforcing a minimum of 18 characters for peoples passwords which I think is ridiculous. An 18 character password sounds ridiculous and counter productive, however it is optimal in order to reduce the risk of it be cracked but then again if the generation of the password is left up to a human to generate it is still fairly useless as the majority generate easy to remember passwords to for maximum security they need to be machine generated which makes them really difficult to remember so the get written down thus negating the security. That said in combination my bank account uses a 10 digit userid (not an email address) in conjunction with a 4 digit password and an 8 character password (12 charcters in total), whilst the userid is used in full I am only asked for 3 random digits from the pin in random order and 3 random characters from the password in random order.
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Post by siatou on Dec 14, 2013 22:32:24 GMT
Here's another suggestion... I can see total of my Loan Units at the top of the My Account page, and further down the page I can see the interest rate and accrued interest for each separate loan I have units of. I would find it helpful if the total also could be shown down with the detail listings, along with a weighted average interest rate and Accrued Interest total. As one who tries to update his spreadsheet daily in order to calculate my personal interest rate I agree with mikes comments especially regarding a total for the Accrued Interest.
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Post by oldnick on Dec 15, 2013 8:24:16 GMT
I think I've requested this before but will note it here to see what others say.
In the 'Your loan units' part of my account I'd like to see the time remaining until a loan is fully repaid; particularly so when the capital will be returned in a lump sum at the end of the loan period. I'd like to be able to anticipate when, and how much, money will be coming back to my account. Obviously if the loan unexpectedly repaid early, or defaults, that would throw my calculations out: but most loans will run to the end, won't they?
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