mikes1531
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Post by mikes1531 on Feb 24, 2014 22:52:03 GMT
I'm still getting messages with bits missing: I've only "xxx"d out my userid - the rest is exactly as received. I received the same email, with the same errors. Have FS even acknowledged they have a problem here? At the same time, I received another email that said... ... and this also appears to be missing a loan number. Furthermore, when I click on the link, the response I get is... It's not a case of my needing to log in, because I was already logged in, and the system was aware of that because there was a 'Log out' link at the upper right of the page. Did anyone else receive a similar email? Was the link the same? Did/does it work for you?
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bugs4me
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Post by bugs4me on Feb 24, 2014 22:57:49 GMT
I'm still getting messages with bits missing: I've only "xxx"d out my userid - the rest is exactly as received. I received the same email, with the same errors. Have FS even acknowledged they have a problem here? At the same time, I received another email that said... ... and this also appears to be missing a loan number. Furthermore, when I click on the link, the response I get is... It's not a case of my needing to log in, because I was already logged in, and the system was aware of that because there was a 'Log out' link at the upper right of the page. Did anyone else receive a similar email? Was the link the same? Did/does it work for you? Nope - didn't work for me - access denied message. Using Firefox 27.0.1. Think FS will always have gremlins until they grab their programmer by the you know whats. It really isn't difficult to ensure hyperlinks work when you're logged in.
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mikes1531
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Post by mikes1531 on Feb 24, 2014 23:11:40 GMT
Think FS will always have gremlins until they grab their programmer by the you know whats. It really isn't difficult to ensure hyperlinks work when you're logged in. If their system is failing to insert the right loan numbers into the text of the emails then it also may be inserting the wrong numbers into the URLs, so that could contribute to the problems, though in that case I'd think a 'Page not found' error would be a more likely result than an 'Access denied' error.
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mikes1531
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Post by mikes1531 on Mar 9, 2014 4:00:19 GMT
Here's another oddity I came across in my list of Active Investments... All my loan parts that have more than 150 days left to run are showing Earnings To Date that are 30 days worth of interest. That's fine, because I know there's a 30 day minimum term for FS loans. But I also have some loan parts with 136 days remaining and they're showing the same 30 days' worth of Earnings To Date, and I don't think that's right. I can't work out the Earnings To Date on my other loans either. For instance, my loan that's closest to maturity has 27 days left, and is for £50 at 13%. My calculation of the accrued interest is £50 * 13% * (155/365) = £2.76 [155 days is six months (182 days) less the 27 days remaining]. I think the numbers in the Earnings To Date column are after the 15% FS lender's fee, so I'd expect to see £2.35 there. What's actually there, however, is £1.75, and I can't explain that at all. Has anyone else tried to reconcile their accrued interest? Were you successful? Am I doing something wrong? Not having had any response to the above in the P2PIF, I raised the issue with FS directly. Since it really has nothing to do with the topic of this thread I'm going to continue it in the "Still got gremlins" thread. The response I received was... The loan in question was showing £1.75 of earned interest when I raised the issue in the forum. Shortly after that, and before I raised the issue directly with FS, the number changed to £2.31, so perhaps FS forced an update in response to my initial query. As the time of my direct query, it was showing £2.31 and that's close enough to the £2.36 to not be a concern, as it's probably caused by the 183 vs. 180 days issue. A couple days later, the loan was down to 22 days remaining and £2.37 earned, so it looked like progress was being made. The loan is now down to 19 days and is showing £2.40 of earnings. Earning just 3p in three days seems a bit low, but rounding could be involved, so I'll drop the issue on that loan. Comparing the data I had three days ago with what I'm seeing now, all my active loans are showing three less days remaining, and most of them are showing a bit more interest earned. I've checked a few, and the earned interest seems to have been incremented by about two days' worth. That makes me wonder whether the days remaining number is updated at a different time of day than the earned interest is. Of a bit more concern is that for one of the loans the earned interest hasn't changed at all. Either this loan is on a different schedule to the others, or the patch to the updating wasn't perfect. I'll see what happens after another few days. All of the above paled into insignificance, however, when I realised that one of the loans in my 3-day-old table was completely missing from today's table! Adding up the listed Active Investments produces a total amount that's less than the reported Active total by the amount of the vanished loan. I think that's what has happened in the past when a loan has been repaid but the proceeds haven't been credited to my account yet. Then again, in the past I've had an email from FS telling me that the loan had been redeemed and that my account would be updated shortly, whereas this time I've received nothing at all. (For completeness, I'll say that this loan does not appear in my list of completed loans.) The loan in question is the recent collection of MJ memorabilia. It's Loan Ref. 1449422756, Loan No. 3191. I'd appreciate it if anyone else who is in on this loan would check their list of active loans to see whether it's still there or has vanished, and let me know what you find.
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Jim
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Post by Jim on Mar 9, 2014 7:19:56 GMT
Well spotted, it's missing from my list too.
The number of active loans in Investments Summary is correct and number of loans on hold is 0. Also there is no list of lenders when I open 3191.
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Post by fundingsecure on Mar 10, 2014 16:44:44 GMT
Thanks for highlighting this. This has now been corrected.
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ramblin rose
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“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 Mar 28, 2014 18:44:18 GMT
I see Mike's been able to put £51.80 in a loan that was limited to £50 bids - so that problem clearly still isn't fixed yet  . I thought there'd been plenty of time to get all that bidding nonsense resolved. |
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Post by fundingsecure on Mar 28, 2014 20:20:10 GMT
Hello,
The system limits the investments in %'s rather than in £. So, although we said £50, the system actually accepts bids up to £51.80 (3.7%). I guess we need to be more precise in our %'s.
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mikes1531
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Post by mikes1531 on Mar 28, 2014 23:38:09 GMT
For anyone who is wondering why I placed the bid for £51.80... I spotted the new loan before I saw the email from FS. I tried to place a bid for £100 and the system informed me that the limit was 3.7%, so I reduced my bid to 3.7% of £1400, which is £51.80. And in case anyone hasn't already noticed, FS have reduced my bid to £50. The system limits the investments in %'s rather than in £. So, although we said £50, the system actually accepts bids up to £51.80 (3.7%). I guess we need to be more precise in our %'s. Thanks for the explanation, though it does raise a question... Why was the limit set at 3.7% when 3.6% of £1400 still is more than £50? |
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mikes1531
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Post by mikes1531 on Mar 31, 2014 20:15:11 GMT
FS still are sending out nonsense emails. Today's -- in its entirety -- was...
This has been pointed out to FS, and has been going on for over two months. Surely their systems can't be so inadequate that the problem can't be found and fixed!
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Post by mrclondon on Apr 7, 2014 20:51:31 GMT
An interesting post (with a screen grab to corroborate) appeared on the (old) ThinCats forum today from a FS member who has never deposited funds with FS but today was allocated £1.18 interest from a maturing loan (presumably the static caravan partial repayment / renewal).
I get the impression that many of the processes at FS are manual, and hence subject to human error (presumably two very similiar user names in this case). I wonder if the rightful owner of the interest knows he/she is missing £1.18 ? Proratering this amount compared to the interest I received, it looks like the rightful owner had c. £50 on the static caravan.
Not great for a regulated financial services company to make such a mix up.
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mikes1531
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Post by mikes1531 on Apr 18, 2014 20:27:44 GMT
An interesting post (with a screen grab to corroborate) appeared on the (old) ThinCats forum today from a FS member who has never deposited funds with FS but today was allocated £1.18 interest from a maturing loan (presumably the static caravan partial repayment / renewal). I get the impression that many of the processes at FS are manual, and hence subject to human error (presumably two very similiar user names in this case). I wonder if the rightful owner of the interest knows he/she is missing £1.18 ? Proratering this amount compared to the interest I received, it looks like the rightful owner had c. £50 on the static caravan. Not great for a regulated financial services company to make such a mix up. It's rather discouraging that there's been no response from fundingsecure regarding the above. On a separate issue, I'm unable to log into my account at the moment. I enter my UserID and password, and the response I receive is either a return to the sign-in screen with the entry boxes cleared, or a browser window containing only the following message... Is anyone else having a similar problem? PS. I've just tried again, and now have a third possible response -- a return to the FS home page. I take the fact that there's still a Sign In button at the top right of the page to mean my login attempt was unsuccessful.
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Post by davee39 on Apr 18, 2014 20:58:40 GMT
Yes!.
Log in with incorrect details generates an invalid details error, login with correct details returns to home page.
I will be ending my experiment with this organisation as my loans mature, there have been just too many software issues, and too few investment opportunities.
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mikes1531
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Post by mikes1531 on Apr 18, 2014 21:07:35 GMT
Yes!. Log in with incorrect details generates an invalid details error, login with correct details returns to home page. I will be ending my experiment with this organisation as my loans mature, there have been just too many software issues, and too few investment opportunities. My most recent login attempt produced... Thanks for the advance notice fundingsecure!
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bugs4me
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Post by bugs4me on Apr 18, 2014 21:49:23 GMT
Yes!. Log in with incorrect details generates an invalid details error, login with correct details returns to home page. I will be ending my experiment with this organisation as my loans mature, there have been just too many software issues, and too few investment opportunities. My most recent login attempt produced... Thanks for the advance notice fundingsecure! Yes they do seem to be a bit iffy on the communication front. Plus it's possible to do software maintenance without pulling the main server site unless of course it is the main server that's affected (again). I would have thought though (or is it hoped) that they would have had more than one server available. Oh well......
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. I thought there'd been plenty of time to get all that bidding nonsense resolved.
