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Post by Ton ⓉⓞⓃ on Mar 22, 2016 11:08:36 GMT
I've just added ZA (Zopa Access) and made it my default option for lending, I've also turn on Auto Top Up so that there is now a small amount in there too (~£46 only) I'm about to switched my default for lending to ZC. At least this one really is lending for the moment. (I still have 1k in Z+)
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pikestaff
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Post by pikestaff on Mar 31, 2016 13:40:21 GMT
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wapping35
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Post by wapping35 on Apr 15, 2016 20:55:29 GMT
Just noticed that it seems Z have now changed the re-lending options. So now you can recycle repayments from one product into another.. In my case from Classic to Plus.. You click on the product you want to change re-lending for and then click Repayments & Manage..p.s. I also see we now have a Bad Debt number again (its back) . On the Lending Summary , Summary of Earning...
pps. The Bad Debt number coming back was pointed out to me by "the shy squirrel" she was a little peeved that I did not disclose my source. (Not so shy)....  |
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wapping35
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Post by wapping35 on Apr 18, 2016 20:30:40 GMT
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Post by Ton ⓉⓞⓃ on Apr 18, 2016 21:27:10 GMT
The piccy at the top of that blog post the laptop shows the old 3 or 5year loans product. I now have one penny sitting in the Z+ queue waiting for another 999 other pennies to join it. I wonder if it might be good if full loan repayments got recycled back into the original product but small amounts of interest such as my one penny could be redirected elsewhere such as the holding a/c. I'm assuming here that it's still the case that we only start to lend when we have the minimum £10 in the lending pool. It will take a bit longer than a month for those other pennies to accumulate.
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wapping35
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Post by wapping35 on Apr 29, 2016 6:54:37 GMT
p.s. I also see we now have a Bad Debt number again (its back) . On the Lending Summary , Summary of Earning...
I see Zopa have now removed the Bad Debt number AGAIN... I am not sure if this was a mistake, when they did the queue info changes recently. But can we please have it back Zopa ?
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Post by propman on Apr 29, 2016 7:45:35 GMT
Bad debt recovered showing on the months statement and the tax statement shows bad debt suffered. What is missing?
- PM
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wapping35
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Post by wapping35 on Apr 29, 2016 13:02:23 GMT
Bad debt recovered showing on the months statement and the tax statement shows bad debt suffered. What is missing?
- PM Hi, The month statement only supplies that months bad debt and the tax statement only supplies bad debt for the tax year. Up to 2-3 days ago we had the "All" Time Bad Debt listed on the Lending Summary section, Summary of earnings. It was included as a number in the dialogue box pasted below. It previously bad debt not covered by SG of £ XXX.It was our friend the squirrel who originally pointed out the number appearing some weeks back (April 15th to be precise) but it has disappeared again. Zopa, Can we please have it back.... Thks W35
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Greenwood2
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Post by Greenwood2 on May 5, 2016 10:28:44 GMT
I didn't see the reappearance of the total bad debt, but was irritated by its disappearance. Total Bonuses is also missing in action. I tend(ed) to use the all time data to do periodic checks on performance. I would now have to trawl back through monthly statements to try to figure it out and I wouldn't know exactly what was included the last time I checked. Please can we have the all time data back!
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wapping35
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Post by wapping35 on May 5, 2016 14:51:29 GMT
Bad debt recovered showing on the months statement and the tax statement shows bad debt suffered. What is missing?
- PM Hi, The month statement only supplies that months bad debt and the tax statement only supplies bad debt for the tax year. Up to 2-3 days ago we had the "All" Time Bad Debt listed on the Lending Summary section, Summary of earnings. It was included as a number in the dialogue box pasted below. It previously bad debt not covered by SG of £ XXX.It was our friend the squirrel who originally pointed out the number appearing some weeks back (April 15th to be precise) but it has disappeared again. Zopa, Can we please have it back.... Thks W35
I see we now have the All Time Bad Debt number back... Hopefully it won't disappear again!!!
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Greenwood2
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Post by Greenwood2 on May 5, 2016 15:03:01 GMT
Where is it? OK it's in the comment, I expected an entry. No total bonuses though.
Edit: Found it and edited my post before you posted below, Thanks.
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wapping35
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Post by wapping35 on May 5, 2016 15:07:39 GMT
Hi, Lending Summary. At the bottom of the page with Summary of earnings... It is a bit hidden in that it is a (£ XXX) in the narrative below the number chart. W35
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aju
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Post by aju on May 11, 2016 11:39:13 GMT
I've made it just over £1000 in Z+ and its taken about 8 weeks in all - some curiosities along the way but all in all a useful exercise as I now know that I could if I wanted release a 4 figure capital in approx 2 months if needed, however, I've been in zopa since early days and never taken anything out so far so not sure when I might do that.
I've now turned all options back to the "Lend repayments back in the same product" option to limit the amount at first - i'll see what spread happens before committing any new money. I'm really waiting for ISA product which I think Zopa recently made a statement of 2 months but I'd take that with a pinch of salt at the moment.
I won't start lending yet due to queues but I'm all excited now to see what happens.
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Post by Ton ⓉⓞⓃ on May 11, 2016 16:17:45 GMT
I've made it just over £1000 in Z+ and its taken about 8 weeks in all - some curiosities along the way but all in all a useful exercise as I now know that I could if I wanted release a 4 figure capital in approx 2 months if needed, however, I've been in zopa since early days and never taken anything out so far so not sure when I might do that. I've now turned all options back to the "Lend repayments back in the same product" option to limit the amount at first - i'll see what spread happens before committing any new money. I'm really waiting for ISA product which I think Zopa recently made a statement of 2 months but I'd take that with a pinch of salt at the moment. I won't start lending yet due to queues but I'm all excited now to see what happens. I'm hoping with ISA launch that some way will be found that you don't have to sell and then buy it all back in the ISA wrapper. AIUI to comply with the law you have to put the products; shares or whatever, in the ISA at the going market price for them. Just a suggestion to Zopa (@zopamat) as so many people will probably be doing this maybe a special rate could be introduced for this service, so rather than 1% perhaps 0.1% fee or none at all that will really get a lot of Lenders on side. But I may just have all recycled money go into ZA (Zopa Access) and move it from there instead after ISA's kick in as I'm expecting to have another platform as my first IF ISA. With the £1k, I'm finding that I'm below the limit and still lending, as I had about three full loan repayments after I put in my full sum but the money recycled away elsewhere so my total went to about £980 and is now gradually coming back up to the £1k as interest trickles in, but as I say, I'm still lending.
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aju
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Post by aju on May 11, 2016 18:35:18 GMT
I'm looking to transfer some of my existing ISA first, hopefully I will be able to do that - at moment my ISA is in best I could get (NW FlexPlus I think) but that is only 1.3% so it makes sense to get money in an ISA that has a better rate - we'll see I guess.
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? (you really couldn't make this up)
