james
Posts: 2,205
Likes: 955
|
Post by james on Jan 23, 2016 17:38:18 GMT
Be sure you click on the "advanced mode" tab, that's where some of the neater features that I've mentioned reside. If you were to say fill in the box above the "add a trusted sender" button with the text noreply@proboards.com and click on the button, the notification emails from here would not count and you'd see the subject line text change to the trusted version. If Egg still existed you might add egg.com instead to make all emails from that address trusted and not counting. That does strike me as something of a workaround for a system that wasn't really designed to do that... It was designed to do that, though. The designers knew that accounts can start fine then get abused, while others will predictably be abused quickly or will just be wanted for a short time, so they designed a system that handles that set of realities well. An increasing number of email providers allow an arbitrarily larger number of aliases and filtering rules for your email box Yes, there are more alternatives today than there were fourteen years ago but this is still the lowest hassle one I know of. One or more of the others might be useful in the few cases where Spam Gourment can't work, like say places that don't accept a.b.c@d.e addresses. Some imaginative mail forwarding rules would allow for disposable email addresses with little additional effort (e.g. include 'jan2016' [or something that means the same to you, but is less predictable!] in a temporary email address, and when (say) March arrives, add a filter rule to dump any mail addressed to a jan2016 address into a spam folder) What I did before Spam Gourmet was pick a prefix like say sl75sl75sl75mynamespace and then use a different email account with that in the name of the account for each place. Effectively I'd created my own virtual email account system. With mail polling/forwarding that does the filtering and consolidating job rather like Spam Gourmet but with more setup work. The main point is that any scheme that allows additional information to be inserted into an email address will allow you to give "a different email address" to an online service Yes, there are many ways to do things, I've just described the one I've used for quite a long time now and why.
|
|
|
|
Post by carpecyprinidae on Jan 28, 2016 21:58:26 GMT
I look forward to the launch date
I will expect to see a lot of people suddenly putting their loan parts up for sale in order to transfer. Might clean up with a bit of secondary-market sniping...
I placed nearly £3K all via the SM in December, all in A+rated loans, without paying a penny in markup. Thanks for all those guys who sold loans to pay for xmas.. this ISA launch could present similar opportunities.
My gmail address is firstnamesurname@gmail but emails sent to firstname.surname or firstna.mesurn.ame or any other positioning of a full stop also get through. Thats how I'll make a 'separate' email address
|
|
|
|
Post by Deleted on Jan 31, 2016 15:07:47 GMT
Is there any official documentation explaining the IF ISA?
Tomorrow is 1st February and only about two months to go to the launch of this new instruments. It seems to me such a limited time to be able to organise it properly when the details are so scarce today. Of course I would be very happy if they allowed transfer of funds in from Cash ISA or SS ISA into IF ISA!
|
|
ilmoro
Member of DD Central
'Wondering which of the bu***rs to blame, and watching for pigs on the wing.' - Pink Floyd
Posts: 11,329 
Likes: 11,549
|
Post by ilmoro on Jan 31, 2016 15:38:52 GMT
Is there any official documentation explaining the IF ISA? Tomorrow is 1st February and only about two months to go to the launch of this new instruments. It seems to me such a limited time to be able to organise it properly when the details are so scarce today. Of course I would be very happy if they allowed transfer of funds in from Cash ISA or SS ISA into IF ISA! HMRC website has some information on the rules and how it will operate. Discussed in this thread p2pindependentforum.com/post/85577/threadAlso james has provided links to info in several threads eg here
|
|
|
|
Post by loanstar on Jan 31, 2016 20:25:22 GMT
|
|
SteveT
Member of DD Central
Posts: 6,875
Likes: 7,924
|
Post by SteveT on Mar 2, 2016 19:01:06 GMT
FC have confirmed in "another place" that their IFISA accounts, when launched, will not be eligible to receive promotions such as cashback and referral bonuses, although maintain this isn't behind the disappearance of all cashback since the start of 2016.
|
|
jayjay
Member of DD Central
Posts: 264
Likes: 116
|
Post by jayjay on Mar 2, 2016 19:30:00 GMT
FC have confirmed in "another place" that their IFISA accounts, when launched, will not be eligible to receive promotions such as cashback and referral bonuses, although maintain this isn't behind the disappearance of all cashback since the start of 2016. Thanks for this and raising it (indirectly) with Rachel over there. It is a bit disingenuous to say the two are disconnected but it leaves them a small opening to use CB on the non IFISA market if absolutely necessary. "For those holding money within an ISA please look away now, whilst we feed the animals in the neighbouring pen"
|
|
SteveT
Member of DD Central
Posts: 6,875
Likes: 7,924
|
FC IFISA
Mar 2, 2016 19:45:48 GMT
via mobile
Post by SteveT on Mar 2, 2016 19:45:48 GMT
I suspect the combination of letting Autobodge fill to 100% after 48 hours. and FC investment trust millions funding property tranches, largely spelled the end for CB anyway. However, the fact that IFISA accounts would be disadvantaged strongly suggests we've seen the last of it on Fleeting Cashback.
|
|
sl75
Posts: 2,092
Likes: 1,245
|
Post by sl75 on Mar 2, 2016 22:32:44 GMT
FC have confirmed in "another place" that their IFISA accounts, when launched, will not be eligible to receive promotions such as cashback and referral bonuses, although maintain this isn't behind the disappearance of all cashback since the start of 2016. Presumably, even if those accounts are not able to receive the relevant promotional payments, there's nothing to stop them causing such payments to occur to another account. (i.e. cashback would be paid to your linked non-ISA account if earned in an ISA)
|
|
jayjay
Member of DD Central
Posts: 264
Likes: 116
|
Post by jayjay on Mar 3, 2016 7:40:35 GMT
FC have confirmed in "another place" that their IFISA accounts, when launched, will not be eligible to receive promotions such as cashback and referral bonuses, although maintain this isn't behind the disappearance of all cashback since the start of 2016. Presumably, even if those accounts are not able to receive the relevant promotional payments, there's nothing to stop them causing such payments to occur to another account. (i.e. cashback would be paid to your linked non-ISA account if earned in an ISA) I would presume not! 'Linking' accounts seems a technical requirement that would pose considerable difficulty to deliver on, whilst they cannot solve much simpler issues. At least not by April 5....
|
|
indiana
New Member
Posts: 3
Likes: 1
|
Post by indiana on Mar 3, 2016 9:08:32 GMT
This was the response from Fuzzy Considerations to a query of mine last week about the new ISAs: Unfortunately we still do not have further details such as whether you will be able to transfer your existing loan parts into the Funding Circle ISA, or whether you are able to transfer existing cash ISA's into Funding Circle. We will hopefully be able to give out full details on how the ISA product will work in the next month or so.
For the time being we are suggesting that investors should consider that they may not be able to transfer over loan parts, in which case loan parts will need to be sold from the existing Funding Circle account in order to transfer funds over to the ISA product.
Looks like we may have an answer to this (from the ISA update link in the email): Will I be able to transfer my existing Funding Circle loan parts into the Funding Circle ISA?
Due to regulatory restrictions we will not be able to allow investors to directly transfer existing loan parts into a Funding Circle ISA. We appreciate this may be disappointing, however we have been informed this can’t be facilitated.
Anyone care to guess what effect this will have on the secondary market before April as a lot of people try to cash their parts in to free some cash up ready for the ISA? Maybe a deluge of parts and subsequent increase in rates available? Would anyone who wants to take part in the ISA do any investing outside it with FC between now and then?
|
|
acky
Posts: 481
Likes: 262
|
Post by acky on Mar 3, 2016 10:16:16 GMT
I suspect most people who want to "transfer" funds to an ISA with FC will wait till April before they sell their loan parts, otherwise they'd have idle cash for a period, so I wouldn't expect a big spate of loan parts on the SM just yet. As you say, though, people may delay investing over the next four weeks - I rather expected we may see some evidence of this already but I don't think we are as both PM and SM seem rather buoyant. Perhaps the market is actually rather dominated by big hitters for whom the £15k ISA allowance is petty cash anyway. On the other side of the equation, canny borrowers might delay borrowing until April in the expectation that rates will fall with all the ISA money flooding in - I certainly would if I was borrowing.
|
|
oldgrumpy
Member of DD Central
Posts: 5,087
Likes: 3,233
|
Post by oldgrumpy on Mar 22, 2016 12:05:57 GMT
I expect many of you received your letter from Fiona's Crumpets today.
Coming soon - Market leading (estimated*) returns with the Funding Circle ISA
FC IFISA coming soon (no indication of when).
Repetition of "we delivered highest return" of any major P2P platform over last four years. (7% v 5% v 5%)(In reality only RS and Z count, and they are mainly domestic rather than business lenders, so not like for like).
Basically nothing new so they seem to be saying please don't go elsewhere with your ISA cash, but we aren't ready yet, and haven't got a clue when we will be.
Interesting stats on FC actual return after fees and bad debts on loans by year origination.
2011 3.8%
2012 6.7%
2013 5.4%
2014 7.9%
2015 8.6%
Made to look like improving performance, as if people don't know that 2015 loans have had less time to default, and a long time still to go.
Usual caveat shown. Past performance is not.... etc...
*Currently 7.2% as of 15 March 2016
|
|
|
|
Post by transo on Mar 22, 2016 14:23:46 GMT
From another of FC's updates (I think one of the blog articles, but can't remember which), I think the thing that's preventing them being sure of when they can launch the ISA is that they need to have obtained their full (rather than interim) FCA permissions before they can register as an ISA manager with the HMRC. Given FC's record on communications I can imagine that persuading the FCA that FC communicates with investors in a way that is "clear, fair and not misleading" could be interesting.
|
|
blender
Member of DD Central
Posts: 5,719
Likes: 4,272
|
Post by blender on Mar 22, 2016 15:27:23 GMT
I am sure that they are fully ready to go and are desperately pushing for FCA approval. They have left it as long as possible to do an expensive mailshot and are going to be unhappy if they do not have approval in time for the start.
|
|
