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Post by solicitorious on Feb 17, 2016 13:26:07 GMT
£40k of PBL080 just appeared and disappeared in about 5 secs....
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sqh
Member of DD Central
Before P2P, savers put a guinea in a piggy bank, now they smash the banks to become guinea pigs.
Posts: 1,428 
Likes: 1,212
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Post by sqh on Feb 17, 2016 13:27:52 GMT
£40k of PBL080 just appeared and disappeared in about 5 secs.... I thought I a had a chance of getting some but it all went to m*************3. 
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Post by solicitorious on Feb 17, 2016 13:29:18 GMT
It's a crazy system, SS.
Why ration prefunding, but not ration the SM?
I know some people will always have an edge, for reasons you can't control, internet speed, and client-side "helpers", etc.
But when that edge leads to full-spectrum dominance over all other investors, you may have a problem.
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Post by Deleted on Feb 17, 2016 13:33:31 GMT
Can't see why people are complaining, loan parts have been available all morning on the secondary market. Some parts are hanging around for quite a while.
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spyrogyra
Member of DD Central
Posts: 386
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Post by spyrogyra on Feb 17, 2016 13:33:40 GMT
Good idea, please introduce "preferred funding" where lenders would be able to name loans they wish to invest in through the SM. Thus lenders would be able to diversify and sell bigger chunks they bought when there was nothing else around.
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Post by Deleted on Feb 17, 2016 13:40:34 GMT
Can't see why people are complaining, loan parts have been available all morning on the secondary market. Some parts are hanging around for quite a while. Are you talking just to say something, or have you actually tried the system? Loan slices go in seconds. I haven't seen any of them staying in for more than 30 seconds. The load was at times so high that the servers went down. Either you have excellent connection, excellent PC, excellent reaction times and a full day at disposal or you will be disappointed not to be able to buy much at all...
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adrianc
Member of DD Central
Posts: 10,004
Likes: 5,139
Member is Online
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Post by adrianc on Feb 17, 2016 13:48:45 GMT
All of those complaining about the ReCAPTCHA - and, yes, I was getting a bit wicked-off at it this morning, too - just need to remember one thing.
SS haven't designed it. Google have. SS just link their page to it.
As such, it can safely be said to be one of the most effective anti-bot mechanisms out there, almost unfakeable.
And, if you don't like the captcha, just remember the shouting when there was the threat of bots.
My biggest gripe about this morning's captchas? The US-focus of many of them. Pick RVs. Well, I know that means a motorhome, but... And lots of quite specific foodstuffs - is that a cookie? Is that a steak sandwich or a burger?
Pain, yes. But I got more than I was hoping for, across a lot of loans.
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Post by Deleted on Feb 17, 2016 13:58:39 GMT
Can't see why people are complaining, loan parts have been available all morning on the secondary market. Some parts are hanging around for quite a while. Are you talking just to say something, or have you actually tried the system? Loan slices go in seconds. I haven't seen any of them staying in for more than 30 seconds. The load was at times so high that the servers went down. Either you have excellent connection, excellent PC, excellent reaction times and a full day at disposal or you will be disappointed not to be able to buy much at all... So many loan parts for sale (and yes I have actually tried), perhaps some folks should spend more time buying them and less time moaning on here.
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cooling_dude
Bye Bye's for the PPI
Posts: 2,853
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Post by cooling_dude on Feb 17, 2016 14:01:43 GMT
Are you talking just to say something, or have you actually tried the system? Loan slices go in seconds. I haven't seen any of them staying in for more than 30 seconds. The load was at times so high that the servers went down. Either you have excellent connection, excellent PC, excellent reaction times and a full day at disposal or you will be disappointed not to be able to buy much at all... So many loan parts for sale (and yes I have actually tried), perhaps some folks should spend more time buying them and less time moaning on here. Shhhhhhhhhhh; while they're all moaning we can pinch all the SM loans 
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Post by ladywhitenap on Feb 17, 2016 14:03:40 GMT
Good idea, please introduce "preferred funding" where lenders would be able to name loans they wish to invest in through the SM. Thus lenders would be able to diversify and sell bigger chunks they bought when there was nothing else around. This sort of change to the SM have been discussed and squashed. We have a very vibrant SM and that is the strength of this platform. you can buy what you want of the new loans and use the SM to divest other loan part to achieve diversification. I can assure you that platforms with a SM that is stagnant - such as another one I'm with is really disappointing. I suggest you go an try one of those and see if your views change. For my purposes SS does all I need of it. Patience is the key - something I did not have when I joined but have learned it here. LW
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Post by supernumerary on Feb 17, 2016 14:05:09 GMT
...and Saving Stream haven't batted an eyelid on this thread...
That is what I like about them. They just get on with it... 
Saving Stream get on with the important things and that is good for all of us...
I was on a positive cash balance for weeks. Today I went negative at one point, but now I am back to a zero cash balance. All money invested and staying calm...
What is the problem? Have a nice day.
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am
Posts: 1,495
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Post by am on Feb 17, 2016 14:11:14 GMT
Can't see why people are complaining, loan parts have been available all morning on the secondary market. Some parts are hanging around for quite a while. Fractions of pennies in overdue loans which I already own?
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Post by highlandtiger on Feb 17, 2016 14:21:11 GMT
As far as I am concerned if you don't like the way that SS do things then bog off to another site.
The rest of us who are more than happy at the way SS conduct their excellent business will be more than happy to pick up whatever their offering.
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Post by spareafewcoppersguv on Feb 17, 2016 14:26:50 GMT
We know that SS keep a loose eye on this board, and use it to keep us informed on progress and events as and when they feel it appropriate, and that is appreciated. They also consider requests for changes, but understandably don't implement them all! We also know that they have been considering changes to the pre-funding mechanism.
What we don't know is what percentage of SS account holders are members or even more interesting active members of this forum, nor what our combined investments account for in the SS loan book. Nor how many SS account holders are active vs dormant, nor how the active members investments look on a distribution curve. Nor.....nor.....nor.....Of course, SS do know these things, but I do wonder if SS might benefit from a survey of their account holders (rather than just members of this board) to get a more inclusive and complete picture of their lenders, their lenders' aspirations for the platform, reasons for choosing the SS platform over other platforms, likes and dislikes, requests and suggestions. Of course not everyone will respond, and of those that do not all will be entirely open, but that does not negate the benefit of seeking a widespread interaction with lenders.
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Post by solicitorious on Feb 17, 2016 14:27:26 GMT
As far as I am concerned if you don't like the way that SS do things then bog off to another site. The rest of us who are more than happy at the way SS conduct their excellent business will be more than happy to pick up whatever their offering. There is no need to be insulting to anyone on here. And there is no "rest of us". Everyone has a right to an opinion, and to polite discourse on this forum.
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