Suggestions for Improvements

On the loan units section of my account there is a column showing the original loan term. Is it possible to add another column showing remaining loan term?

Noted.  This whole section is due a redesign but it's not scheduled until Q2.

I do appreciate the struggle, and sorry if my previous post came across as grumpy - wasn't the intention.  We have a long list of things like this that we want to change, fix or tweak and only limited resources with a major project taking up the next few weeks of time for our entire team of developers.  I've managed to sneak a few tweaks in as they've been related to the new stuff we're working on, or in some case have been a prerequisite, or they have been prioritised by the MD knowing that this would have a knock on effect on delivery dates for the big stuff.

I want to get the statements changed so that bids are removed from them completely until payment is actually taken when the loan is paid out, as they can then be set in stone.  But this is unrelated to our big project so isn't a priority until Q2 at the earliest.

We are also tracking every last transaction and will have a tax statements system in place by Q3 at the latest.

I don't actually know exactly when this work will be prioritised as I'm not sole arbiter of our schedule.  At the moment the team has a full schedule until April after which the board of directors, of which I am one of seven, will set the priorities.  The tax returns are on our collective radar so will no doubt be one of the features prioritised after April but I do not know when yet.  We are aware of the deadlines and will make sure that the functionality is in place in plenty of time.  The Q3 commitment (which also covers delivering in July or August) was simply because I do not know exactly when we will deliver but it has to be within that timeframe.

Edit:  I will keep you posted though.  Usually I'm fairly open about our short to mid term schedule.  I'm having to keep our big March / April release a little bit quiet as we believe it to give us a large competitive advantage, but I will reveal all as soon as I am able.

Same issue actually - comparing a date to a timestamp.  You are correct on the workaround.

Unfortunately not quite ... most (but not necessarily all) cashback should be exempt from tax as it is an inducement to invest not part of the return ... some of the earlier loans had 3.5% cashback which when applied to a 4 figure loan bid is a fair bit of cash.

Without double checking I think all AC's cashback are genuine cashback, but some of the other P2x platforms confuse the issue by labeling some discretionary interest as cashback on transaction statements ... TC and FS spring to mind as guilty parties. The only way you can play this with a straight bat to HMRC is to have a copy of a tax statement from the platform.

This year a delay to Q3 for receipt of a tax statement is not a major issue for me, BUT some years I'm due a fairly hefty tax rebate (due to HMRC refusing to increase my tax code sufficeintly to account for higher rate tax relief on SIPP contributions ), and those years I prefer to get the tax form done in early May as the tax rebate is processed a few days after submitting the self assesement form online.

Chris,  could I suggest an update to the 'Your Loan Units' grid of the account page.  I would like an additional column after the accrued interest column showing the next payment date (or date payment due if not paid yet).  Not a big deal at the moment with most of my bids in Accepted/Live, but as the list grows, having to drill down into each loan will get a bit tedious.