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Post by Ton ⓉⓞⓃ on Apr 16, 2018 10:05:52 GMT
I am looking to sort loans into type, sme/bridge/dfl etc, in order to make allocation of funds easier. As the filter buttons on the loan book do not work currently I suggest reinstating them as a minimum. Further, I would like to see which loans are elligible for which automatic fund. This would allow evaluation of going overweight in a particular type of loan when assessing the loan book in the mla. It could also solve the first point as well as one could make assumptions. For instance a wind turbine is most likely to be in the green account. These are rough sorting criteria and further detailed analysis would be needed within the grouping to decide the riskiness of a particular loan asset security, amongst other things. Any thoughts or current ways of achieving the above please? Yes some good points there. I've just remembered that MLA is due an upgrade, so they almost certainly must include this sort of stuff... Wasn't there some sort of possible compliance issue where there was a concern that if AC told Users boldly on each of the loans in which of the packaged accounts this loan might appear Users would try to mimic those accounts. If that possible compliance issue wasn't sorted out AC might still say if a loan is in an account but it might need to hunted down, perhaps in the Q&A or in the small print rather than front & centre.
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stub8535
Member of DD Central
personal opinions only. Not qualified to advise on investment products.
Posts: 1,447 
Likes: 945
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Post by stub8535 on Apr 16, 2018 10:10:29 GMT
I am looking to sort loans into type, sme/bridge/dfl etc, in order to make allocation of funds easier. As the filter buttons on the loan book do not work currently I suggest reinstating them as a minimum. Further, I would like to see which loans are elligible for which automatic fund. This would allow evaluation of going overweight in a particular type of loan when assessing the loan book in the mla. It could also solve the first point as well as one could make assumptions. For instance a wind turbine is most likely to be in the green account. These are rough sorting criteria and further detailed analysis would be needed within the grouping to decide the riskiness of a particular loan asset security, amongst other things. Any thoughts or current ways of achieving the above please? Yes some good points there. I've just remembered that MLA is due an upgrade, so they almost certainly must include this sort of stuff... Wasn't there some sort of possible compliance issue where there was a concern that if AC told Users boldly which loans where in certain accounts Users would try to mimic those accounts. If that possible compliance issue wasn't sorted out AC might still say if a loan is in an account but it might need to hunted down, perhaps in the Q&A or in the small print rather than front & centre. Good point Ton ⓉⓞⓃ but without the proportion of the fund that specific loans form how would one be able to mimic the particular account accurately?
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dave2
Member of DD Central
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Post by dave2 on Apr 16, 2018 18:13:30 GMT
Add an option to "Report Late Interest Payment" against each loan.
This option should be separate from the Q&A option, and should not change the last updated date.
There are so many Q&A questions, typically "loan xyz interest is now 7 days late, what are you going to do about it", followed by the AC reply saying that "it has now been paid".
It distracts from keeping track of important loan updates.
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ding
Member of DD Central
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Post by ding on Jun 21, 2018 12:18:11 GMT
Can we have a filter to list loans offered at a discount?
Please chris , would be an easy win.
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SteveT
Member of DD Central
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Post by SteveT on Jun 21, 2018 13:19:02 GMT
Can we have a filter to list loans offered at a discount?
Please chris , would be an easy win.
It’s pretty unusual for loans offered at a discount to last long enough to appear on a filtered list. MLA lenders will often set multiple orders to wait for and buy anything offered at a discount. Put another way, if an AC loan has parts available at a discount for any period of time, there’s probably a good reason why ...
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IFISAcava
Member of DD Central
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Post by IFISAcava on Jun 21, 2018 13:20:38 GMT
Please chris , would be an easy win.
It’s pretty unusual for loans offered at a discount to last long enough to appear on a filtered list. MLA lenders will often set multiple orders to wait for and buy anything offered at a discount. Put another way, if an AC loan has parts available at a discount for any period of time, there’s probably a good reason why ... except that it takes some hours for orders to be matched, so there's always a window for buying even with multiple pre-set orders.
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dave2
Member of DD Central
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Post by dave2 on Jun 22, 2018 12:50:06 GMT
The "Live Chat" prompt sometimes obstructs detail and hinders processing. An easy amendment could be made to "hide" the prompt till the next time the user signs on.
As shown by the red "Hide" button below.
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dc848
Posts: 150
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Post by dc848 on Jun 22, 2018 14:17:45 GMT
The "Live Chat" prompt sometimes obstructs detail and hinders processing.
An easy amendment could be made to "hide" the prompt till the next time the user signs on.
As shown by the red "Hide" button below.
Thats nicely thought out. Visuals help a lot.
But meanwhile, I use "Ghostery" (google it) and it does the job perfectly (and stops ads/popups).
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sl75
Posts: 2,092
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Post by sl75 on Jul 11, 2018 13:07:58 GMT
New filter options on the loans list, combined with the ability to place buy and sell orders from that page directly seem a huge improvement to me, and I've started bothering to place orders that were previously too time consuming.
One glaring omission from the filter options, however, is that there's no way to filter out loans where trading is suspended - I keep on getting these (unwanted) in my results with no way to filter them out. Any chance of adding a filter option for this?
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shimself
Member of DD Central
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Post by shimself on Jul 16, 2018 11:16:35 GMT
Until very recently downloaded documents such as credit reports, valuations etc had gobbledygook names eg 38473984727320707.pdf They now have meaningful names eg Credit Report.pdf. The problem is that of course there will be many documents bearing the same name. Can I suggest if you are going to stick to meaningful names you prefix them with the loan number thus making them unique, and easier to find (I keep those that I deem important). Thanks
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dave2
Member of DD Central
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Post by dave2 on Jul 17, 2018 5:03:40 GMT
It would be nice to have a "My MLIA Loan Activity" report screen. This would show details of updates to any loans held in the lenders MLIA account, sequenced by reverse date order, and allowing the option of showing further details for each loan. ======================================================================================================
Date Time Loan . . . . . . . . . . . . . . Holding Available Total APR (etc etc...)
16/7/18 12:34 345 - Henry Holdings Ltd 2,150.21 1,234,000 3,412,000 8.0% >
Activity : Dear Lenders, We are pleased to advise that this loan has redeemed in full by way of a refinance.
Funds will be transferred to lenders accounts imminently. Trading has been suspended in the meantime... 16/7/18 11:56 712 - Tommy Tankers 3,150.33 2.32 1,000,050 7.25% > Activity : Dear Lenders, We apologise for the delay in providing this update.
We have held a conference call with representatives of the Borrower. The output of this call was that the Borrower and their Broker will provide some further information to Assetz Capital. Whilst the Borrower is taking steps to address the situation, the further information requested will enable us to report with clarity to Lenders...
16/7/18 10:12 654 - Willy Warner Ltd 987.01 234.11 740,000 7.5% >
Q&A : Asked by BrownFox
Interest is seven days and five minutes late, what goes, why have you not applied default interest rates? Reply : The interest has already been paid and will be in your account later today.
16/7/18 9:45 543 - Deviling Development Activity: Monitoring Surveyor report - Tranch 10 uploaded Tranch 10 Credit report uploaded...
========================================================================================================
Filter by My Loans / All Loans / An individual loan ...
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shimself
Member of DD Central
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Post by shimself on Jul 18, 2018 11:49:36 GMT
2 part authorisation. Well ok fair enough. My bank in France is clever in that when the message pops up on my phone, the code is the first part of the message, so I don't have to unlock the phone and open message to see the code. You're clever as well aren't you?
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Post by chris on Jul 18, 2018 12:06:26 GMT
2 part authorisation. Well ok fair enough. My bank in France is clever in that when the message pops up on my phone, the code is the first part of the message, so I don't have to unlock the phone and open message to see the code. You're clever as well aren't you? Not under our control but on my phone that's the case.
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n
Member of DD Central
Yet another Nick
Posts: 882
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Post by n on Jul 18, 2018 12:25:46 GMT
2 part authorisation. Well ok fair enough. My bank in France is clever in that when the message pops up on my phone, the code is the first part of the message, so I don't have to unlock the phone and open message to see the code. You're clever as well aren't you? Not under our control but on my phone that's the case. Yours must be larger than his then. 
Sorry, couldn't resist it.
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Post by chris on Jul 18, 2018 12:30:23 GMT
Not under our control but on my phone that's the case. Yours must be larger than his then.
Sorry, couldn't resist it.
I don't like to boast...
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