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Post by GSV3MIaC on Jul 27, 2015 17:29:11 GMT
Yes, having answered the 'your website is rubbish .. why?' over in the other place (with suggestion it was better, which I have to admit it was) it has now gone BACK to rubbish, and there is not even a juicy large high rate closer to hang the blame on (plus ba&&a seems to have run out of funds, judging from the slow take up on the last E, so it ain't him either).
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registerme
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Post by registerme on Jul 27, 2015 23:07:32 GMT
Might be a rackspace issue, I couldn't log into AC for about 10 mins before either. Sorry pepperpot, but that sounds off to me. Somebody should be managing demand, forecasting, within tolerances, what will be required in the future. It's possible, though difficult, to do this with your own kit, and your own data centres. You can finesse it entirely (at cost) by going to the cloud. Allowing a "rackspace issue" to explain it is basically apologising for poor service that we shouldn't be dependent on  .
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registerme
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Post by registerme on Jul 28, 2015 7:32:04 GMT
Ahh understood, thanks pepperpot. I still think that FC are responsible for the provision of service to us, their customers, regardless of who any underlying provider is.
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Post by goldservice on Jul 28, 2015 10:16:49 GMT
Ahh understood, thanks pepperpot. I still think that FC are responsible for the provision of service to us, their customers, regardless of who any underlying provider is. Fair Comment. Imagine if a bookkeeper or stock exchange sent out 504s etc, repeatedly ... EDIT Bookkeeper?! I meant a different sort of accountant: bookmaker.
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blender
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Post by blender on Jul 29, 2015 11:45:12 GMT
12:40 cannot even get the login page
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Post by Financial Thing on Jul 29, 2015 13:58:13 GMT
All I can say is...ugh These are supposed to be Fintech companies. Quite ironic they can't get their web hosting sorted.  |
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min
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Post by min on Jul 29, 2015 21:01:43 GMT
Not a logging in problem or 504.
1557 came back from being downgraded for the last week. I've only got £1.31 in it and only 2 repayments to go.
It's a B at 11.8%. Try to sell with 0.4% markup and rate is 7.3%. Seems about right.
However with markup of 0.1/0.2/0.3% rate goes up to 14.8%!
Thought I'd try discount. -0.1/0.2/0.3% rate goes to 22.3%!!!
Thought rate couldn't go above 15%. Probably something to do with E loans but definitely an IT c**kup.
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blender
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Post by blender on Jul 29, 2015 21:38:31 GMT
Buyer rate can go above 15% - interest rate cannot.
But how can the buyer rate can increase with a mark up? Something wrong there. Although 0.3% of £1.31 is less than 0.5p and only with 0.4% do you actually receive a penny.
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sl75
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Post by sl75 on Jul 30, 2015 7:17:36 GMT
Not a logging in problem or 504. 1557 came back from being downgraded for the last week. I've only got £1.31 in it and only 2 repayments to go. It's a B at 11.8%. Try to sell with 0.4% markup and rate is 7.3%. Seems about right. However with markup of 0.1/0.2/0.3% rate goes up to 14.8%! Thought I'd try discount. -0.1/0.2/0.3% rate goes to 22.3%!!! Thought rate couldn't go above 15%. Probably something to do with E loans but definitely an IT c**kup. Try a 3% discount - it'd blow your mind! Edit: In essence, the different buyer rates represent a different a whole number of pence that the buyer pays for the same income stream. For a loan of £1.31, a single penny represents nearly a 0.8% difference in selling price, so you'll get the same buyer rate today for several different selected markup/discount amounts. Due to the very short time over which the buyer is gaining a penny, a single penny gained on an investment of around £1.31 represents an annual return of around 7.4%, and as the buyer will gain only multiples of a whole penny, the possible buyer rates are multiples of this.
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blender
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Post by blender on Jul 30, 2015 7:54:52 GMT
Not a logging in problem or 504. 1557 came back from being downgraded for the last week. I've only got £1.31 in it and only 2 repayments to go. It's a B at 11.8%. Try to sell with 0.4% markup and rate is 7.3%. Seems about right. However with markup of 0.1/0.2/0.3% rate goes up to 14.8%! Thought I'd try discount. -0.1/0.2/0.3% rate goes to 22.3%!!! Thought rate couldn't go above 15%. Probably something to do with E loans but definitely an IT c**kup. Try a 3% discount - it'd blow your mind! Edit: In essence, the different buyer rates represent a different a whole number of pence that the buyer pays for the same income stream. For a loan of £1.31, a single penny represents nearly a 0.8% difference in selling price, so you'll get the same buyer rate today for several different selected markup/discount amounts. Due to the very short time over which the buyer is gaining a penny, a single penny gained on an investment of around £1.31 represents an annual return of around 7.4%, and as the buyer will gain only multiples of a whole penny, the possible buyer rates are multiples of this. Your analysis looks good to me. That presumably explains why the calculated buyer rate at par or with premiums up to 0.3% is 14.8%, while the interest rate is 11.8% (at par a 'display issue').
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min
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Post by min on Jul 30, 2015 8:12:24 GMT
Not a logging in problem or 504. 1557 came back from being downgraded for the last week. I've only got £1.31 in it and only 2 repayments to go. It's a B at 11.8%. Try to sell with 0.4% markup and rate is 7.3%. Seems about right. However with markup of 0.1/0.2/0.3% rate goes up to 14.8%! Thought I'd try discount. -0.1/0.2/0.3% rate goes to 22.3%!!! Thought rate couldn't go above 15%. Probably something to do with E loans but definitely an IT c**kup. Try a 3% discount - it'd blow your mind! Yep. 47.1% Tempted to spend 5p to see how quickly it goes.
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sl75
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Post by sl75 on Jul 30, 2015 8:36:23 GMT
Try a 3% discount - it'd blow your mind! Yep. 47.1% Tempted to spend 5p to see how quickly it goes. In "buyer rate" terms, it'd definitely beat the record I may have set some years ago with my 10p giveaway! Just let me know exactly what time you'll be listing it 
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Post by GSV3MIaC on Jul 30, 2015 14:18:48 GMT
Wait a few more weeks and try again .. maybe you can get it past 100%!?
(I did accidentally once, a year or two ago, send the sell request in programmatically with bum markup data, and achieved buyer rates of <0% .. never tried the other way but I am sure it can be done - the 3% is/was enforced in the javascript in the webpage, not in the Ajax / whatever web server which actually lists the parts. Similarly you CAN send in a £10 @ 25% bid request on a loan .. hopefully the server will bounce it (without dying) but I was never brave enough to try.).
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min
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Post by min on Jul 30, 2015 14:41:27 GMT
Wait a few more weeks and try again .. maybe you can get it past 100%!? (I did accidentally once, a year or two ago, send the sell request in programmatically with bum markup data, and achieved buyer rates of <0% .. never tried the other way but I am sure it can be done - the 3% is/was enforced in the javascript in the webpage, not in the Ajax / whatever web server which actually lists the parts. Similarly you CAN send in a £10 @ 25% bid request on a loan .. hopefully the server will bounce it (without dying) but I was never brave enough to try.). I'll do it sometime over the weekend. Will let you know more precisely nearer the time.
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registerme
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Post by registerme on Jul 30, 2015 17:15:21 GMT
This is interesting, and perhaps a bit weird. I was trying to find out what "Processing" actually meant, and what the difference between that and retry meant. This is the response I got:-
"On the day a repayment is due, the status on a loan part will change to "Processing" while the system looks for the payment. Unfortunately due to a bug in the system, on rare occasions the status can sometimes show as "Retry" instead of "Processing".
This is because the status of "Retry" is what shows on the admin side of our website; on your side the status should ordinarily show as "Processing"".
I'd previously assumed that "Processing" meant "we have the payment and are processing it to distribute it", but apparently it just means "we're looking for the payment".
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