investibod
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Post by investibod on Apr 29, 2016 13:58:49 GMT
Yes, that must be true. When I first registered I made a typo when creating one of the security responses. I was of course unable to log in, so phone Assetz for help. Once I had confirmed my identity, including giving the other 2 security answers and what I had intended to type for the first, the person on the phone told my what I had actually typed and corrected it for me. In order to have done this, they must had access to the unencrypted answers. I did not think of this as a security concern at the time, but with hindsight it is not best practice. Again I'm going to have to disagree. Computer / online security is done in layers with the idea that if one layer fails the next will protect. In this situation we have a layer that provides next to no security. Not only is this useless as a security layer but I believe it to be detrimental, having the possibility of working against your general online security. How many other sites of any type ask these questions? Favorite colour and memorable date are extremely common and if they're not secured properly here they could be used to add to an attacker's profile of you. This needs attention. I am not sure what you are disagreeing with. I am agreeing with what you said originally 
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Post by crabbyoldgit on Apr 29, 2016 15:20:50 GMT
My concerns over security are a bit different,my devices are in some cases not password locked and as they rememder the login password the only protection is the answers to common questions and device passwords are easy overcome anyway.But a simple ancestry.com search would identify i have lived locally all my life so easy to work through all the school names and maiden names even easyer.So as a small protection say if the maiden name was White my answer has been Black and similar distortions on all the other answers to the common questions.Its not much, the only security i rate is that funds will only be sent to the account i setup my initial deallings with ac with.Howerever i am unsure of the rebustness of checks around requests for nominated bank changes.Its an area maybe a review by ac is coming due as the site grows and peer to peer gets more common and inevitability draws attention of the less that undesirable.
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dermot
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Post by dermot on May 16, 2016 7:50:58 GMT
If you select reinvest, any returns in each account are reinvested in that account - all simple and straightforward.
This is fine for those accounts that require no further action to get the headline rate - ie all accounts except MLIA.
For MLIA, however, I would find it useful to be able to select into which account returns of capital and interest should be sent. At the moment, I manually shift across the scraps that appear into (in my case) GBBA.
I only hold a few thousand, or about 10% of my Assetz total, in MLIA and usually only select loans that I feel like supporting (yes, of course I may end up part funding others in GBBA).
I choose, for instance, not to manually support projects that buy pubs and close them down to convert into offices, flats or a Tesco. My, admittedly eccentric, concept of being an ethical investor.
Anyone else like the idea of a bit more of a selection option in the MLIA reinvestment tab?
This may, of course, have been discussed elsewhere and I've just missed it, if so I apologise.
D
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jonah
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Post by jonah on May 16, 2016 20:44:42 GMT
Personally I'd like this ability for each account, eg to be able to have interest from my GBBA go into my MLIA, or any othe combination.
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mikes1531
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Post by mikes1531 on May 16, 2016 21:05:57 GMT
Sounds like a useful option/feature to me.
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Post by chris on May 16, 2016 21:26:17 GMT
Yup, had this idea a little while ago and it's on my radar.
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jonah
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Post by jonah on May 20, 2016 4:21:43 GMT
Having QAA swept and idle funds in the average interest in the dashboard would be nice. Due to the ratio of GBBA and MLIA, along with the percentage of #165 in my GBBA, my average rate has reportedly gone up! As most has gone from 7% to 3.75% this is obviously not quite correct!
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Post by chris on May 20, 2016 7:07:01 GMT
Having QAA swept and idle funds in the average interest in the dashboard would be nice. Due to the ratio of GBBA and MLIA, along with the percentage of #165 in my GBBA, my average rate has reportedly gone up! As most has gone from 7% to 3.75% this is obviously not quite correct! We're working on better reporting of all this data, it's a non-trivial problem though to calculate and we have a lot of priorities at the moment fighting for resources, so won't be for a few more weeks.
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jonah
Member of DD Central
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Post by jonah on May 20, 2016 16:33:24 GMT
Having QAA swept and idle funds in the average interest in the dashboard would be nice. Due to the ratio of GBBA and MLIA, along with the percentage of #165 in my GBBA, my average rate has reportedly gone up! As most has gone from 7% to 3.75% this is obviously not quite correct! We're working on better reporting of all this data, it's a non-trivial problem though to calculate and we have a lot of priorities at the moment fighting for resources, so won't be for a few more weeks. Well I read that mark has fixed at least part of it  I would agree that this wouldn't be at the top of my priority list though, things like ISAs are more important, but having this somewhere on the list is good.
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ilmoro
Member of DD Central
'Wondering which of the bu***rs to blame, and watching for pigs on the wing.' - Pink Floyd
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Post by ilmoro on May 23, 2016 23:23:56 GMT
Given that the Q&A guys seem to have had a fun day answering the same question on at least 8 loans today, thought Id ressurect my suggestion that loans eligible for the GBBA have that indicated by a the addition of a British Flag somewhere in the loan list (behind the loan number or as the icon maybe) and on the individual loan page. GEIA loans could have a similar relevant symbol, just in case anyone misses the one (or is 2 now) eligible loan that isnt a windmill |
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SteveT
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Post by SteveT on Jun 2, 2016 8:34:14 GMT
It's actually on the schedule for today! Mark is building it. Hi Chris, any progress on this one? I guess it didn't make "today" Thanks.
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Post by chris on Jun 2, 2016 8:35:18 GMT
It's actually on the schedule for today! Mark is building it. Hi Chris, any progress on this one? I guess it didn't make "today" Thanks. Nope, missed the today slot. It's coded and ready to deploy but we ran out of time to test it. Hopefully this week but I'm absolutely drowning in requests at the moment.
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ilmoro
Member of DD Central
'Wondering which of the bu***rs to blame, and watching for pigs on the wing.' - Pink Floyd
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Post by ilmoro on Jun 6, 2016 15:38:51 GMT
chris Odd one today. I have my MLIA set to Withdraw repayments (capital & interest) which it has merrily done except one which it has reinvested in MLIA (or would have if it could buy anything) This is a payment that was a week late, does the system remember what the reinvestment settings were when the payment should have been made and override the settings when it was actually made? Is this a bug? 6th Jun 2016 at 13:44 Investment into Manual Loan Investments Account (1) £-0.39 6th Jun 2016 at 13:44 Interest payment for loan P****** T****** S***** Ltd (#150) £0.39
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Post by chris on Jun 6, 2016 15:59:03 GMT
chris Odd one today. I have my MLIA set to Withdraw repayments (capital & interest) which it has merrily done except one which it has reinvested in MLIA (or would have if it could buy anything) This is a payment that was a week late, does the system remember what the reinvestment settings were when the payment should have been made and override the settings when it was actually made? Is this a bug? 6th Jun 2016 at 13:44 Investment into Manual Loan Investments Account (1) £-0.39 6th Jun 2016 at 13:44 Interest payment for loan P****** T****** S***** Ltd (#150) £0.39 Sounds like a bug. The system shouldn't remember historic settings in that way. Will have to investigate.
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ilmoro
Member of DD Central
'Wondering which of the bu***rs to blame, and watching for pigs on the wing.' - Pink Floyd
Posts: 11,330
Likes: 11,549
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Post by ilmoro on Jun 12, 2016 10:36:18 GMT
chris Odd one today. I have my MLIA set to Withdraw repayments (capital & interest) which it has merrily done except one which it has reinvested in MLIA (or would have if it could buy anything) This is a payment that was a week late, does the system remember what the reinvestment settings were when the payment should have been made and override the settings when it was actually made? Is this a bug? 6th Jun 2016 at 13:44 Investment into Manual Loan Investments Account (1) £-0.39 6th Jun 2016 at 13:44 Interest payment for loan P****** T****** S***** Ltd (#150) £0.39 Sounds like a bug. The system shouldn't remember historic settings in that way. Will have to investigate. Done it again. Has randomly decided not to withdraw an interest repayment but has withdrawn capital for same loan and all other payments on same day. Nothing to do with previous settings as previously guessed. Looks like a bug. Loan 211 10/6 And again #256 Interest 16/6
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