benaj
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Post by benaj on Jan 20, 2021 14:52:32 GMT
Has anyone seen any noticeable change as an average person? I made a withdrawal this morning, haven’t noticed anything. Perhaps I need a quick “eye test” soon. I just logged in and saw a banner showing "We're carrying out some site maintenance work 22 January - 29 January which may impact your ability to make changes to your Zopa investment", with a link to secure2.zopa.com/lender/communication/maintenance which mentions both "Accessing your dashboard: 22 January - 29 January you won't be able to make changes to your investment, such as updating your reinvestment settings or withdrawing money from your holding account" and "Loan sales: We won't be accepting any new loan sale requests from 18 January until the work is completed on 29 January"
Was the work delayed from 18 Jan to 22 Jan?
Ahhh, I've realised I found the magic door with my mobile phone this morning.  No Withdrawal issue with the mobile phone. The main gate (PC) is still blocked by the bouncer.
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aju
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Post by aju on Jan 20, 2021 14:53:45 GMT
I had a feeling it was a bit more of a serious issue for yourself from your comments here and elsewhere. Since their so called improvements in the past have not actually made much of a difference, in my view, and their endless exit and entry routes to login and logout are becoming a joke i'm not convinced they really know what they are doing anymore. Interestingly the CS rep said alt's see how it goes on Jan 28th when the LB's might work for me. They did try to fix the issue (for me) 2 or 3 times and each time it did not work or at least did not work most of the time. i.e. Even Zopa accept that their IT solutions are not consistently working. In the end they indicate if it does not work they will reinstate the manual LB's being emailed to me... That's an interesting slant you must have a considerable sized loanbook and statements entries. I've been a Zopa lender since almost the beginning and keep records of all my statements from the very start. In my case my statements table - I join the individual tables together each month so i can reproduce any repayments tables for any loan should i wish to check aspects of the payments - I also join them to the loans data as well. (i'd like to not have to but occasionally there are discrepancies going back to day one in their data- although haven't had one of those for quite a while now). Anyway the statements table records for my loans are Invest: 226,911 Since 2006 ISA: 274,520 Since 2017 whilst I only look at this months usually online and to download the latest statements the whole lot needs to be core store for Zopa to be able to find the right items. The alltime loanbook file for my ISA is nearly 10,000 records (Loans) but the live data is considerably less now that we are down to about 300 loans each (Most were £10 loans from the start where i didn't screw up the lending not that the notion of limiting defaults seems to have worked that well!) Be interesting to see how you fair with what must be considerably more data than we are trying to retrieve.
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aju
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Post by aju on Jan 20, 2021 15:09:47 GMT
I just logged in and saw a banner showing "We're carrying out some site maintenance work 22 January - 29 January which may impact your ability to make changes to your Zopa investment", with a link to secure2.zopa.com/lender/communication/maintenance which mentions both "Accessing your dashboard: 22 January - 29 January you won't be able to make changes to your investment, such as updating your reinvestment settings or withdrawing money from your holding account" and "Loan sales: We won't be accepting any new loan sale requests from 18 January until the work is completed on 29 January"
Was the work delayed from 18 Jan to 22 Jan?
Ahhh, I've realised I found the magic door with my mobile phone this morning. No Withdrawal issue with the mobile phone. The main gate (PC) is still blocked by the bouncer. Is your pc playing up then? - just curious works on chrome on a desktop - must admit i sometimes have to get cute with stuck cookies etc - also i have screen changers that make some screens easier to read the on screen data better by removing superfluous white space and the boring bits but occasionally they hijack the bit i've blocked for more important messages but that's my fault if i miss it if i forget to toggle the extension i use off!. Do seem to be getting some slow external links during the screen loading at present but apart from that its working ok for us. (Mind you that's not exactly a great endorsement I feel!) I am hoping to be able to remove some funds tomorrow - trusting that thursday will be working still! Edit: Just noticed that they ran the early adopter fee run today - saves it running next week i guess.
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benaj
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Post by benaj on Jan 20, 2021 15:39:02 GMT
Ahhh, I've realised I found the magic door with my mobile phone this morning. No Withdrawal issue with the mobile phone. The main gate (PC) is still blocked by the bouncer. Is your pc playing up then? - just curious works on chrome on a desktop - must admit i sometimes have to get cute with stuck cookies etc - also i have screen changers that make some screens easier to read the on screen data better by removing superfluous white space and the boring bits but occasionally they hijack the bit i've blocked for more important messages but that's my fault if i miss it if i forget to toggle the extension i use off!. Do seem to be getting some slow external links during the screen loading at present but apart from that its working ok for us. (Mind you that's not exactly a great endorsement I feel!) I am hoping to be able to remove some funds tomorrow - trusting that thursday will be working still! Edit: Just noticed that they ran the early adopter fee run today - saves it running next week i guess. The bouncer doesn't like edge on PC, but edge / safari on the iOS has no issues. Like you said, chrome on the PC does not have the "we'll be right back issue"
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coogaruk
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Post by coogaruk on Jan 20, 2021 18:25:08 GMT
That's an interesting thought - psst! don't tell Mrs Aju she'll be on my back again or worse asking for funds from her Zopa bank investment. Mind you that said it's not in her best interest to remove the funds for at least another 10 months or more anyway!  Psst! Don't tell Zopa but I have a rather juicy NS&I Fixed Rate about to mature and they were on my savings shortlist for reinvestment but now they're not as it will be right in the middle of their outage window! Zopa's loss is Arbuthnot's gain 
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wapping35
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Post by wapping35 on Jan 21, 2021 10:42:37 GMT
The alltime loanbook file for my ISA is nearly 10,000 records (Loans) but the live data is considerably less now that we are down to about 300 loans each (Most were £10 loans from the start where i didn't screw up the lending not that the notion of limiting defaults seems to have worked that well!) Be interesting to see how you fair with what must be considerably more data than we are trying to retrieve. Sorry, no offence, but I don't really have the time to spend on a detailed analysis of a product I have heavily sold down on. However I checked the largest LB (non-ISA All time) and I have 41,745 record (loans) so approx X 4 what you mention. The ISA is smaller but still over 15k (loans All time)...
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aju
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Post by aju on Jan 21, 2021 11:03:39 GMT
The alltime loanbook file for my ISA is nearly 10,000 records (Loans) but the live data is considerably less now that we are down to about 300 loans each (Most were £10 loans from the start where i didn't screw up the lending not that the notion of limiting defaults seems to have worked that well!) Be interesting to see how you fair with what must be considerably more data than we are trying to retrieve. Sorry, no offence, but I don't really have the time to spend on a detailed analysis of a product I have heavily sold down on. However I checked the largest LB (non-ISA All time) and I have 41,745 record (loans) so approx X 4 what you mention. The ISA is smaller but still over 15k (loans All time)... No offence taken, I understand just by your numbers that you would be more affected by this issue. I hope I am wrong it would be nice to be able to use the updated/improved Zopa system without having to be an ex developer but having that experience does help most of the time to enable things to get done even when Zopa says No!.
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Greenwood2
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Post by Greenwood2 on Jan 21, 2021 11:04:28 GMT
The alltime loanbook file for my ISA is nearly 10,000 records (Loans) but the live data is considerably less now that we are down to about 300 loans each (Most were £10 loans from the start where i didn't screw up the lending not that the notion of limiting defaults seems to have worked that well!) Be interesting to see how you fair with what must be considerably more data than we are trying to retrieve. Sorry, no offence, but I don't really have the time to spend on a detailed analysis of a product I have heavily sold down on. However I checked the largest LB (non-ISA All time) and I have 41,745 record (loans) so approx X 4 what you mention. The ISA is smaller but still over 15k (loans All time)... For info: Mine 'all time' downloaded OK just now at 28,873 loans. ISA 'all time', 14,873 also downloaded OK.
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aju
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Post by aju on Jan 21, 2021 11:17:25 GMT
Sorry, no offence, but I don't really have the time to spend on a detailed analysis of a product I have heavily sold down on. However I checked the largest LB (non-ISA All time) and I have 41,745 record (loans) so approx X 4 what you mention. The ISA is smaller but still over 15k (loans All time)... For info: Mine 'all time' downloaded OK just now at 28,873 loans. ISA 'all time', 14,873 also downloaded OK. Do you download statement you must have considerable number of those to filter. could be time of day, depend on who came before you, disk spread any number of issues. I got a fail yesterday but just back buttoned it and resent the request and it worked. I also logged in last night 11:30pm or thereabouts to both check funds in before the weeks outage and also withdraw the funds in holding. When I do this i tend to go through all the statements and loans positions - not downloading data though. I tend to only download loanbooks at start of month and statements too to update my systems monthly. I've had two fails over the last week or so and just assumed that Wapping was a large player and therefore having issues. You should be getting similar issues I would have and its curious you are not. For interest when was your download time of day wise. It may well also be that Wapping35's issue something completely different to my simple guess of offline servers being brought back online and the front end timing out before they do. My dropouts are not just about downloads though mine are just changing from top level screens to lower level statement reading - mostly except I do get issues downloading as well. I get it more if i try to go to the loanbook download screen the first part of the screen loads but then times out whilst loading the loanbook section of the screen. Back button again will solve this for me. Who knows what they are doing to be fair.
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Greenwood2
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Post by Greenwood2 on Jan 21, 2021 11:24:03 GMT
For info: Mine 'all time' downloaded OK just now at 28,873 loans. ISA 'all time', 14,873 also downloaded OK. Do you download statement you must have considerable number of those to filter. could be time of day, depend on who came before you, disk spread any number of issues. I got a fail yesterday but just back buttoned it and resent the request and it worked. I also logged in last night 11:30pm or thereabouts to both check funds in before the weeks outage and also withdraw the funds in holding. When I do this i tend to go through all the statements and loans positions - not downloading data though. I tend to only download loanbooks at start of month and statements too to update my systems monthly. I've had two fails over the last week or so and just assumed that Wapping was a large player and therefore having issues. You should be getting similar issues I would have and its curious you are not. For interest when was your download time of day wise. It may well also be that Wapping35's issue something completely different to my simple guess of offline servers being brought back online and the front end timing out before they do. My dropouts are not about downloads though mine are just changing from top level screens to lower level statement reading - mostly except I do get issues downloading as well. Immediately before I posted. I did see the download pause (said something like pause 0.8) and restart on the big one. I don't normally download the all time, actually I rarely download the current.
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Post by mfaxford on Jan 21, 2021 12:29:49 GMT
For interest when was your download time of day wise. It may well also be that Wapping35's issue something completely different to my simple guess of offline servers being brought back online and the front end timing out before they do. My guess would be something about timeouts as well probably with the web backend talking to the database server. I'd expect all the data is online but for a larger loanbook my guess is the DB might be heading into something like a disk sort rather than using an index which can significantly slow things down. My guessing is their updates might be doing something to the DB Schema to improve things which may take a while to complete and lock the DB whilst it's processing. For comparison my loanbook goes back to 2009/2010 and I've not noticed it failing or taking to long to download the complete loan book, it is much smaller than yours so my guess is that it's still in the spot where the DB Engine doesn't need any extra hamsters to spin the wheels.
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aju
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Post by aju on Jan 22, 2021 19:39:01 GMT
Site changes have been cancelled according to email i received this evening this snippet suggests some issues perhaps
they go on to suggest it could be Feb 5th now but they will advise next week. The email should be sent to everyone.
There is no mention if they stopped people sales though I guess that happened anyway.
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Post by mfaxford on Feb 12, 2021 11:16:28 GMT
Looks like the updates have completed and a lick of paint applied.
I'm now trying to remember enough of what the bits I didn't look at as often were like to compare to the update, but it feels reasonably responsive, and a bit more information available at a quick glance (rather than having to click to open sections)
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Post by ruth77 on Feb 13, 2021 14:35:26 GMT
Although I agree that the information on the screen is more helpful and accessible, it seems that this has come at a price. It is no longer possible to download transactional statements to see what is actually going in and out of your account, nor is it possible to download an All Time Loan Book.
The combination of these two changes to downloads makes it nigh on impossible to do any kind of meaningful performance analysis on your own loan portfolio.
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aju
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Post by aju on Feb 14, 2021 10:33:58 GMT
Ok so for me Zopa has shot itself in the foot.
I have had a short rummage around and found a lot of the data is still there the loanbook is there the statements at the month level are there but as far as i can tell they are only very high level. The data is there at a top level for the month.
I too keep a rolling statements file so i can keep track of the payments each month for a given loan - mostly i am watching the defaulted loans and more recently the covid leeway for certain borrowers.
I cannot see this as a positive move its like someone has been broght in to replace the whole system because the old pages had become so amended that it was probably difficult to make changes. The thing is though to switch to such a radical change - in my view of course - such that the statements the detailed statements are no longer available is problematic.
I still have quite a bit locked up but I guess for me Zopa is no longer a viable option to consider returning to if these screens are to be the way forward.
Edit: I have not as yet checked the loanbook file though so i'm expecting that to be changed which at this level is not that much of an issue.
Edit2: Well i was not wrong there, i don;t need to get a new pc anymore as the data available is somewhat changed as well. The old statuses are all changer there is an awful lot of capitals too there is a lot to digest. Looks to me like someone said dump this dump, why are we making it easy for people to monitor this. Also Mrs aju has an issue with a change in the statements data that went back to September 2020 we spotted it immediately but now i'm not so sure we would spot it. Does answer a question on the id we were told had changed since we were given the loanid not the borrower id. I guess the email we sent back saying we were unable to identify the offending loan will come back with a "we have changed the loanboob data"!
Oh well it means we cannot see some curious errors we have been able to identify that Zopa has not but have resulted in changes to the core of the system. As i have said in the past we made more in compensation for error than the affected interest a couple of years or so back.
Edit3: Even though the loanbook is available I'm not sure it's very helpful anymore since the field changes from last weeks version are quite a bit different. One problem I have at the moment is that the loanid is new and in a format that i'm not sure is very relevant other than it may have been something they had to include. The biggest issue at the moment is that the borrower ID is in completely different format and after roaming around to find a single record for comparison, luckily i had one record i could match, it seems the borrower id bears no correlation to the previous incarnation of the loanbook borrowerID field. The other missing item is the comments field, ok its been a bit of issue for some loans but none the less it was a way of seeing what is happening.
There are other weird anomolies and fields from last week that are completely removed i'm starting to wonder if this is the final product!. If it is though then its again another shot in the foot i feel.
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No Withdrawal issue with the mobile phone.
