ramblin rose
Member of DD Central
“Some people grumble that roses have thorns; I am grateful that thorns have roses.” — Alphonse Karr
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Post by ramblin rose on Jan 19, 2014 19:04:58 GMT
I've noticed it on other loans too but i've never been helpful enough to point it out. I just kind of expect the inconsistencies, which isn't good really, but the loans all work out OK in the end so I don't tend to worry.
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Post by mrclondon on Jan 19, 2014 19:50:13 GMT
Another gremlin - the loan page is now showing the loan is 100% full, but the investment amount field & button are still visible.
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mikes1531
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Post by mikes1531 on Jan 19, 2014 20:57:47 GMT
Just to see what would happen I put in £25 clicked calculate return and got the error msg... "You cannot invest more than the remaining loan amount. The remaining loan amount is £0.00"Here's another small gremlin. I put £10 in the box, clicked Calculate Return, and got the error msg... "Investment Amount must be more than £25.00."
I think "more than" actually should be "at least".
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starfished
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Post by starfished on Jan 19, 2014 21:58:01 GMT
Not sure... All very small fry but wanted to add in an extra £50.37, the balance remaining in my account. At one point it was showing two separate £50.37's for me within the list of lenders but now it is showing just the one. However, my account is still showing the £50.37 as available when it should not be (my original £50 I chucked in is showing under live loans rather than as available). Maybe that is driving part of the difference between the loan showing both 98% and 100% filled. I can't be the only person to whom this has happened.
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ramblin rose
Member of DD Central
“Some people grumble that roses have thorns; I am grateful that thorns have roses.” — Alphonse Karr
Posts: 1,370
Likes: 857
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Post by ramblin rose on Jan 20, 2014 18:50:56 GMT
Hmm - the '14 days to go' thread prompted me to look at my first loan which becomes due in 6 days. And would you believe it - another pesky little gremlin seems to be hiding there  Loan number 771526641 has investor notes including: Due Date: 27-Jan-2014 Date Activated: 2013-07-31 00:00:00 Date Repaid: 2013-07-19 00:00:00 - erm, don't think so. |
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mikes1531
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Post by mikes1531 on Jan 20, 2014 21:03:22 GMT
Hmm - the '14 days to go' thread prompted me to look at my first loan which becomes due in 6 days. And would you believe it - another pesky little gremlin seems to be hiding there Loan number 771526641 has investor notes including: Due Date: 27-Jan-2014 Date Activated: 2013-07-31 00:00:00 Date Repaid: 2013-07-19 00:00:00 - erm, don't think so. I don't have anything like that on the one loan I looked at. Have you looked at all of yours?
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Post by Come_on_Grandad on Jan 20, 2014 21:35:15 GMT
Hmm - the '14 days to go' thread prompted me to look at my first loan which becomes due in 6 days. And would you believe it - another pesky little gremlin seems to be hiding there Loan number 771526641 has investor notes including: Due Date: 27-Jan-2014 Date Activated: 2013-07-31 00:00:00 Date Repaid: 2013-07-19 00:00:00 - erm, don't think so. I don't have anything like that on the one loan I looked at. Have you looked at all of yours? Well, I only looked at a couple of mine. One OK, but 712991933 (the diamond ring) has a spurious "Date Repaid:" of the 23rd November - which is the date of the auction. Looking at the data that Rose reports above, could that spurious date be the auction date too? In any case, something not right.
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ramblin rose
Member of DD Central
“Some people grumble that roses have thorns; I am grateful that thorns have roses.” — Alphonse Karr
Posts: 1,370
Likes: 857
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Post by ramblin rose on Jan 20, 2014 22:14:08 GMT
I don't have anything like that on the one loan I looked at. Have you looked at all of yours? Well, I only looked at a couple of mine. One OK, but 712991933 (the diamond ring) has a spurious "Date Repaid:" of the 23rd November - which is the date of the auction. Looking at the data that Rose reports above, could that spurious date be the auction date too? In any case, something not right. I looked at just a couple more, which seemed OK - not an exhaustive check. Good thought re auction date - highly likely. These dates could have been in there since the start - I don't often look at the item pages once the loan has been activated. I must say, it would be much more useful to me to have a due date on the investments list rather than the number of days to go - and if they could appear in order of loan due date that would be even more helpful. My current list has them in a fairly random order - multiple chunks of the same loan appear with multiple other loan chunks in between.
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mikes1531
Member of DD Central
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Post by mikes1531 on Jan 20, 2014 22:54:15 GMT
Well, I only looked at a couple of mine. One OK, but 712991933 (the diamond ring) has a spurious "Date Repaid:" of the 23rd November - which is the date of the auction. Looking at the data that Rose reports above, could that spurious date be the auction date too? In any case, something not right. I must say, it would be much more useful to me to have a due date on the investments list rather than the number of days to go - and if they could appear in order of loan due date that would be even more helpful. My current list has them in a fairly random order - multiple chunks of the same loan appear with multiple other loan chunks in between. I don't have a part of the one CoG mentioned, but I've looked at all of mine now, and they all show a blank for Date Repaid. Interestingly, I also looked at the Range Rover -- which really has been repaid -- and it shows nothing at all in the Investor Information area. Is that typical for repaid loans? (Doesn't seem reasonable to me that it should be.) As for the seemingly random order that loans show up in my list, I have to agree that it's irritating. And a due date would be more useful than days to go. What might be most useful would be the ability to sort the list on any of its columns.
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Post by fundingsecure on Jan 21, 2014 9:31:57 GMT
Thank you all for your feedback on our website. We posted on January 16 that we were far from happy. We met with our developers on Friday and are planning a major rewrite of the investment process. With hindsight, the process was badly designed and causes too much drag on the system.We hope to have the rewrite live sometime next week. We will also try to address as many of the other requests listed above. This forum is very helpful to us for picking up such issues.
In the meantime we should have 2-3 loans coming this week. As with the last loan we will carefully monitor to make sure that all investments get recorded correctly. We appreciate your patience as we work through these issues.
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Post by mrclondon on Jan 21, 2014 13:55:30 GMT
The gremlins are alive and active today - each time I refresh the account summary I get a different split between funds available to invest and active loans, never the right answer nor even a plausible answer given I have 3 loans due to mature today.
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Post by fundingsecure on Jan 21, 2014 17:23:49 GMT
Hi,
The issue you mentioned above is all connected with what we posted earlier today. In the meantime your statement has been fixed. There may be a few others that we are in the course of correcting.
Richard
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mikes1531
Member of DD Central
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Post by mikes1531 on Jan 22, 2014 12:46:22 GMT
I've just spotted another gremlin...
At the lower right of the website home page, there's a green clickable button labelled "Borrow against your assets". When I click on it, however, nothing happens except the following error message appears further up on the page (below the large graphic)...
"(X) The form has become outdated. Copy any unsaved work in the form below and then reload this page."
To make matters worse, there's no form below. I'm using Firefox 26.0 under Windows 7.
As a separate issue... Just above the clickable button that doesn't work are the words "Set your own APR." Nowhere on the website have I seen any indication that the borrower has any control over their APR except, perhaps, by borrowing more than they need in order to get into a lower admin fee zone, and that's probably not what's meant by the comment. So is that still a valid comment? If so, how does a borrower do that?
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Post by elljay on Jan 22, 2014 18:26:06 GMT
Hopefully the non-integer interest amounts is on the list to be addressed too. I had to invest £x9.999 instead of £x0.00 a couple of times despite the screen saying I had £x0.00 available!
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ramblin rose
Member of DD Central
“Some people grumble that roses have thorns; I am grateful that thorns have roses.” — Alphonse Karr
Posts: 1,370
Likes: 857
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Post by ramblin rose on Jan 22, 2014 19:30:11 GMT
As a separate issue... Just above the clickable button that doesn't work are the words "Set your own APR." Nowhere on the website have I seen any indication that the borrower has any control over their APR except, perhaps, by borrowing more than they need in order to get into a lower admin fee zone, and that's probably not what's meant by the comment. So is that still a valid comment? If so, how does a borrower do that? In the past they have told us that the borrower chooses their interest rate, and that FS don't fix it for them (it was raised in the early days on the Zopa forum, before this forum existed). Experience has shown that the lower interest rates didn't get filled in time as lenders didn't find the additional risk was worth it unless the LTV was particularly low, so they advise the borrower what rate is likely to get their loan filled quickly. It isn't something they do via the website, but in discussion with FS. The loan is then listed at the rate the borrower chooses to go with.
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