Investboy
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Trying to recover from P2P revolution
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Post by Investboy on Feb 17, 2016 17:01:37 GMT
Well, I think you have no idea when you say 'offer your time and implement'. in order to implement anything you need direct access to the SS backend code and I am sure they will not let most of use look at it (specially those producing such fine bots...). ... I may have some idea as I've been software/web developer for the last 15 years... And of course this comment was just for those smartypants who say it is easy but they have no idea about complexity. Sometimes easy changes are quite the opposite and may have knock-out effects. I bet if one offers their programming services to SS for free they would hire him/her on the spot  One day when I retire and live off my P2P investments I will either write my own super-duper*) P2P platform or just work for free for one of existing ones. --------------------------------- *) super-duper = bot-proof, with prefunding, no blurry images, limits on PM & SM, cashback, no defaults, high yields,
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oldgrumpy
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Post by oldgrumpy on Feb 17, 2016 17:02:51 GMT
...Even then, on a 2Mbit line, I bought about FORTY parts across different loans... in about an hour ...
Forty parts in an hour? Are you sure you were manually bidding them?
I am sorry but I don't buy it!*
For other peoples' benefit, I can believe this. I have been the grumpiest many times about the SM and its antibot system, but this morning I did have a bit of a go soon after the first tranche went live, and succeeded in getting about half a dozen in just a few minutes, and I don't mean those loans which should have repaid weeks/months ago.
* Quite! Someone else did 
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cooling_dude
Bye Bye's for the PPI
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Post by cooling_dude on Feb 17, 2016 17:04:40 GMT
...Even then, on a 2Mbit line, I bought about FORTY parts across different loans...
For other peples' benefit, I can believe this. I have been the grumpiest many times about the SM and its antibot system, but this morning I did have a bit of a go soon after the first tranche went live, and succeeded in getting about half a dozen in just a few minutes, and I don't mean those loans which should have repaid weeks/months ago.
There we go then; I mean if oldgrumpy can invest in the SM, anybody can......
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Post by solicitorious on Feb 17, 2016 17:07:48 GMT
Well, I think you have no idea when you say 'offer your time and implement'. in order to implement anything you need direct access to the SS backend code and I am sure they will not let most of use look at it (specially those producing such fine bots...). ... I may have some idea as I've been software/web developer for the last 15 years... And of course this comment was just for those smartypants who say it is easy but they have no idea about complexity. Sometimes easy changes are quite the opposite and may have knock-out effects. I bet if one offers their programming services to SS for free they would hire him/her on the spot One day when I retire and live off my P2P investments I will either write my own super-duper*) P2P platform or just work for free for one of existing ones. --------------------------------- *) super-duper = bot-proof, with prefunding, no blurry images, limits on PM & SM, cashback, no defaults, high yields, Give over. I too was in software development for 15 years, and my proposal is simple data validation/substitution. I've posted the three-line pseudocode already.
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adrianc
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Post by adrianc on Feb 17, 2016 17:18:59 GMT
Second thing: the bots are still acting. Don't think reCapcha is infallible. There are ways round it and this is why it was almost impossible to get something... Yes of course bots (M****3) did not bid for everything because they did not want everything and because it would seem otherwise obvious they were not going through raCaptcha and of course for the first few times most browsers allow to pass reCaptcha without image matching, which gives a definite edge... Gotta love a good conspiracy theory. You're reading too much into it. I didn't get one single free pass. Captcha on my very first click. Even then, on a 2Mbit line, I bought about FORTY parts across different loans - including taking all four launches up to my cap - in about an hour. Sure, some were tiddlers - 1p as a "Don't want" marker in low-demand, but others were up to four figures in high-demand newish loans. I had a few re-tries on the Captchas, sometimes my fault, others possibly "Are you definitely real?". I missed quite a few. But, for an hour of refresh-and-click, not too shabby. Forty parts in an hour? Are you sure you were manually bidding them? I am sorry but I don't buy it! <shrug> You might not buy it, but I did buy them...
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ablender
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Post by ablender on Feb 17, 2016 17:25:05 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? I think you are confusing platforms. This is SS not AC. No fractions of pennies here.
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treeman
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Post by treeman on Feb 17, 2016 17:28:37 GMT
Also, although Captcha is a Google product, it can be configured by SS. At present it seems to allow my first six transactions each day before testing me. Perhaps SS could configure that differently. You're reading too much into it. I didn't get one single free pass. Captcha on my very first click. Even then, on a 2Mbit line, I bought about FORTY parts across different loans - including taking all four launches up to my cap - in about an hour. Sure, some were tiddlers - 1p as a "Don't want" marker in low-demand, but others were up to four figures in high-demand newish loans. I had a few re-tries on the Captchas, sometimes my fault, others possibly "Are you definitely real?". I missed quite a few. But, for an hour of refresh-and-click, not too shabby. Similar results here - gave it about an hour, whilst filling my face, and snaffled 27 parts to top up the pre(under)-funding in all 4 and diversify a bit. Success rate under half, I guess, but worth the effort - upped my holding by 10%. No free passes - never had one at all - I must be on the permanent suss list...... There's a lot of competition. SS is popular. It IS do-able !
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adrianc
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Post by adrianc on Feb 17, 2016 17:35:09 GMT
No free passes - never had one at all - I must be on the permanent suss list...... Do you use an ad-/track-blocker, too?
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treeman
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Post by treeman on Feb 17, 2016 17:44:09 GMT
No free passes - never had one at all - I must be on the permanent suss list...... Do you use an ad-/track-blocker, too? Indeedy - turning it off doesn't help, different browsers don't help, logging in on mate's networks doesn't either, or even on other people's devices (even tried my Mother-in-Laws machine at her place the other weekend ..... I've tried allsorts and resigned myself to doing captchas. I even had one today asking me to type the words (Sllllooooooooooowwwww....) in the picture - that's when I quit ! Just need to use a bit of nouse and then be quick !
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adrianc
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Post by adrianc on Feb 17, 2016 17:47:23 GMT
Do you use an ad-/track-blocker, too? Indeedy - turning it off doesn't help, different browsers don't help, logging in on mate's networks doesn't either, or even on other people's devices (even tried my Mother-in-Laws machine at her place the other weekend ..... I've tried allsorts and resigned myself to doing captchas. I even had one today asking me to type the words (Sllllooooooooooowwwww....) in the picture - that's when I quit ! Just need to use a bit of nouse and then be quick ! I'm thinking that the blocker stops Google Analytics from building up a picture of your activity - which it finds suspicious. Given the choice between receiving targeted web advertising and occasionally trying to guess if something's a river or a body of water, I'll take the guesswork.
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treeman
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Post by treeman on Feb 17, 2016 17:53:57 GMT
Indeedy - turning it off doesn't help, different browsers don't help, logging in on mate's networks doesn't either, or even on other people's devices (even tried my Mother-in-Laws machine at her place the other weekend) ..... I've tried allsorts and resigned myself to doing captchas. I even had one today asking me to type the words (Sllllooooooooooowwwww....) in the picture - that's when I quit ! Just need to use a bit of nouse and then be quick ! I'm thinking that the blocker stops Google Analytics from building up a picture of your activity - which it finds suspicious. Given the choice between receiving targeted web advertising and occasionally trying to guess if something's a river or a body of water, I'll take the guesswork. My thoughts too !
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spyrogyra
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Post by spyrogyra on Feb 17, 2016 20:08:19 GMT
The idea of allowing lenders to have the opportunity to queue for buying on the SM is very good. There won't be thousands of clicks per minute right after a new loan is funded, it would greatly improve lenders' diversification while it would still allow other lenders to snap big chunks and resell them immediately afterwards. Most lenders wish to buy in slightly older loans in which they have missed to invest or invested very little. Lenders would be encouraged to transfer more money in their SS accounts. After looking at my portfolio I identified 11 loans that I would wish to put money in. I would have transferred more that 10k in yesterday and wouldn't have to sit in front of the screen dealing with the damned signs. Yes, I'll be patient knowing where I am in the each loan's queue. Knowing that a millisecond faster finger won't be the determining factor. I think most lenders will be happy to see their targets slowing filled without spending much time in front of the screen.
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cooling_dude
Bye Bye's for the PPI
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Post by cooling_dude on Feb 17, 2016 20:17:07 GMT
I really think you misunderstand the primary reason the SM is there; it is there so that we have easy access to our money. Changing the SM in any way could risk that, and could also risk the platform if larger investors get spooked.
Look; when Lendy Ltd was setting out this SS concept, they could have easily locked us into the loan until it was repaid. Instead, to make it more appealing, they introduced the SM, so that we have easy access to the money that we have invested. That is what it is there for, and it works just fine.
Just be patient with the pre-funding for peat sake, and try your luck with the SM when larger loans come through the pipeline.
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Post by highlandtiger on Feb 17, 2016 20:23:35 GMT
People still don't get it. I despair, I really do.......  1. The SM is NOT primarily designed for people to up their investments. It is there solely to allow people to exit loans fast and whenever they want. In that respect it is working superbly and should never be changed. This is the description given by SS, and if you don't like it, well tough. Life's a bitch 2. No-one, and I mean no-one has the god given right to be able to invest as much as they want whenever they want. There is such thing as supply and demand, and yes some will try and game the system, and the odd one might be able to automate the system somewhat. But generally the system is as fair as it could be, first come first served. Its no different to people wanting to buy the latest gadget. If you turn up and the shop has sold out, are you really going to complain to the manager, "but I couldn't get here before you sold out, that's not fair, I want you to wait for me next time, wah wah"..... etc. Note to SS, Ignore all these people who do nothing but moan and whinge because they feel they have been slighted, because you havn't put them ahead of of everyone else. Carry on with what you are doing. You are doing a superb job, and hopefully all the complainers will disappear to another P2P company. After all, today's loan launches have showed that there are plenty of people more than happy getting what they can. I got a third of what I prefunded which tells me the loans were oversubscribed more than three times. If we can get rid of the whingers then you'll have even more happy customers getting a larger slice of the pie. |
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adrianc
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Post by adrianc on Feb 17, 2016 20:25:10 GMT
I really think you misunderstand the primary reason the SM is there; it is there so that we have easy access to our money. Changing the SM in any way could risk that, and could also risk the platform if larger investors get spooked. I can't see how forming an orderly line for the next parts in any loan to become available, versus a mad riot whenever they're waved about, would jeopardise the SM's liquidity, tbh. If anything, the opposite. If you wanted out of a loan, and could see that there was £x unmet demand for that loan, but £0 for that, wouldn't you sell the one with demand? OK, so the thought of £0 demand for a loan - bungalow and yacht included - is, currently, laughable - but, as we keep being reminded, that may not always be the case.
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