Suggestions for Improvements

Please, rather than this ridiculous charade of adding an arbitrary 5 years onto overdue loans as a workaround to the previous system of adding an odd few months onto loans, which itself was a workaround to an inability of admin staff to mark a loan as "overdue but still accruing interest", can the problem be addressed at source?

I note that loan #8 (at time of writing) is currently showing "10 - 15%" as the interest rate and also "-2 / 42 mths" as the term remaining.

This clearly shows that AC systems are physically capable of showing an interest rate other than 0% at the same time as a negative term remaining (even if it means that the system must have the calculated interest rate overridden with a text string).


I am a little surprised that the FCA permits this incorrect display that has the potential to mislead customers into thinking AC's performance in keeping loans up to date is better than it really is (where at least some competitors are correctly displaying their overdue loans with a negative term remaining)... perhaps nobody's drawn it to their attention yet?

I'm looking at the loan book page (not just mine).

Many of the loans have my instructions noted in the column for sell or buy.

On many occasions AC pause or otherwise disable our instructions, usually for good reason.
This does not always mean a permanent freeze on trading.
When trading does resume after a few days (weeks),  instructions are not reinstated automatically.There is NOTHING on the loans page to indicate that any of the instructions are paused. I have asked time and time again for a marker to be put by each instruction on this page to indicate that an instruction is disabled and I have had no response whatever. The only way I can find out is to manually go onto every loan page separately at moderately frequent intervals to ascertain whether my instructions are being applied. On several occasions I have found my instructions disabled and I didn't know anything about it.

Please chris , when will something be done to improve the website in this way?

I think OG wants the little orange clock to show in the list, not just on the loans page, or something to that effect. (Don't forget, he's very old and can't remember setting instructions sometimes)

Quite right, Peppers, quite right! I don't want to have to open every individual loan page to search for a clockwork orange orange clock.

However ..... when I look at my loan list to remind myself, I can't be expected to know that AC have suspended my instruction if that information does not show on my loan book page.

It's the latter (my bold). I guess to be fair to the 'old one', I also find it hard to remember all the instruction that should be there, so a clockwork orange (or any other indicator) on anything disabled would be mighty useful. We already have different colours for neg/pos instructions so maybe orange or greyed out for disabled? Or even a policy of emailing a notification every time it happens... at the time it happens. That has the benefit of getting through in real time so we can react as appropriate. Anything would be an improvement over just silently disappearing.

Hi chris .

n At the point of suspension was in my head. Whatever the reason for the suspension, I'm usually happy to make the decision of what my instruction is going to be when/if it's lifted there and then. I'd have been waiting a long time to set my instruction to sell Eppy tho'. But I'm not overly fussed as long as I get to know about it between 'suspension' and 'lifting of suspension' rather than occasionally realising an instruction has been clockwork oranged for the last 3 weeks.