spiral
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Post by spiral on Jun 27, 2016 15:17:02 GMT
ilmorowhilst on the subject of formats, is there a specific reason you use a "text" date rather than a "numerical" date for the "last update" field on your excellent loan summary thread? I paste the table into excel and produce a pivot table from it but I have to use a lookup table to convert them to numbers. I'm not requesting that you change it because I have a workaround but am curious as to why you chose that format for the update whereas the estimated end date is a recognisable date format.
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Post by GSV3MIaC on Jun 27, 2016 15:24:05 GMT
"....sydneycraftbeers.com.au/wp-content/uploads/2014/03/SCBPigsFly.jpg" I realise you haven't actually uploaded that to the forum, but it is a HUGE blooming image for people on slower lines . .can't you find, or create, something with fewer megapixels? SCBPigsFly.jpg (JPEG Image, 2354 × 3110 pixels)
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warn
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Curmudgeon
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Post by warn on Jun 27, 2016 16:03:51 GMT
"....sydneycraftbeers.com.au/wp-content/uploads/2014/03/SCBPigsFly.jpg" I realise you haven't actually uploaded that to the forum, but it is a HUGE blooming image for people on slower lines . .can't you find, or create, something with fewer megapixels? SCBPigsFly.jpg (JPEG Image, 2354 × 3110 pixels) OOPS! Sorry. I am a worm and no man. Done.
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Post by GSV3MIaC on Jun 27, 2016 16:30:25 GMT
Thanks muchly.
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ilmoro
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'Wondering which of the bu***rs to blame, and watching for pigs on the wing.' - Pink Floyd
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Post by ilmoro on Jun 27, 2016 16:50:53 GMT
ilmoro whilst on the subject of formats, is there a specific reason you use a "text" date rather than a "numerical" date for the "last update" fie on your excellent loan summary thread? I paste the table into excel and produce a pivot table from it but I have to use a lookup table to convert them to numbers. I'm not requesting that you change it because I have a workaround but am curious as to why you chose that format for the update whereas the estimated end date is a recognisable date format. Same format as I used in my AC list which was taken from their site. No specific reason, though given it doesnt need a year, as opposed to end date, it seems logical. Simple to change if makes it easier for people.
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Post by geraldine1210 on Jun 27, 2016 19:06:43 GMT
A strange, almost satisfying experience this afternoon. I was beaten three times by the fiendish captcha.
It seems a lifetime since last struggling to throw fingers quickly enough across pictures that were waiting to tease and trap the unwary.
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johnfleet
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Post by johnfleet on Jun 27, 2016 19:42:42 GMT
Cooling Dude is there a mistake on the PL100, PBL111 and PBL114 repayment dates? showing as 27/4 not 27/6?
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cooling_dude
Bye Bye's for the PPI
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Post by cooling_dude on Jun 27, 2016 19:44:32 GMT
Cooling Dude is there a mistake on the PL100, PBL111 and PBL114 repayment dates? showing as 27/4 not 27/6? No.....  Ok, I might have just corrected it... 
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spiral
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Post by spiral on Jun 28, 2016 6:21:00 GMT
Same format as I used in my AC list which was taken from their site. No specific reason, though given it doesnt need a year, as opposed to end date, it seems logical. Simple to change if makes it easier for people. No need to change on my account. As I say, I was just curious. Thanks for the response.
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mouse
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Post by mouse on Aug 11, 2016 9:54:57 GMT
Excellent table on p1 CD. Any chance that the original scheduled end date be added if you got time ? I realise it is on ilmoros list, but that dosn't have the drawdown date,(unless i mised it0.
Would be good to have the info all in one place to see how much a loan is being extended. ?
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cooling_dude
Bye Bye's for the PPI
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Post by cooling_dude on Aug 11, 2016 10:25:04 GMT
Excellent table on p1 CD. Any chance that the original scheduled end date be added if you got time ? I realise it is on ilmoros list, but that dosn't have the drawdown date,(unless i mised it0. Would be good to have the info all in one place to see how much a loan is being extended. ? does contain the drawdown dates; it is hidden within the text I'll add the scheduled end dates sometime later today (if I have some time on my hands) 
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ilmoro
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'Wondering which of the bu***rs to blame, and watching for pigs on the wing.' - Pink Floyd
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Post by ilmoro on Aug 11, 2016 10:38:38 GMT
Drawdown dates arent that relevant anymore, its the go live date from which terms run. End dates are open to interpretation on many earlier loans due to conflicting/misleading info from various different sources. Its a lot better now but still a little vague how update extensions marry with time remaining on site with regards retained interest. Take PBL42 Started 3/7/15 12m loan End 3/7/16 24/2 Extended 2m, interest till April End 3/4/16 (Ok so not 12m but 6m, 2m extension thats 8m total so 3/3/16, but no interest till April so 3m) 4/3 Needs 4m (from when Mar or Apr) 29/4 3m extension End 3/7/16 (Right got 3m, assume for last end date, right so ends up 12m after all) 17/6 Extending for 2m End date 3/9/16 8/7 Interest for 1m extension End date  (So is that after two months, or just 1m from early July -so end either 3/8, or 3/10) Actual end date based on remaining time on site 30/8!!!!!!!!! (So sneaked some extra time in there, skipped the bit between 3/4 & 29/4 maybe and extended for 3m from there, OK) I would suggest ignore updates and just go with whats on site for amount of interest cover but then what about negative loans Arrrrghhhh!  |
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cooling_dude
Bye Bye's for the PPI
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Post by cooling_dude on Aug 11, 2016 10:51:51 GMT
Drawdown dates arent that relevant anymore, its the go live date from which terms run. End dates are open to interpretation on many earlier loans due to conflicting/misleading info from various different sources. Its a lot better now but still a little vague how update extensions marry with time remaining on site with regards retained interest. I tend to ignore the SS term now and use it as a rough guide alongside my own interpretation calculated from drawdown date, because as you say the indicated term on SS runs from when the loan goes live, not the drawdown date. However, the term with the borrower presumably starts when the money is sent, so that lull between live & drawdown reduces the indicated term, but not the interest pot (as I believe that SS take that lull on the hip). I noted when I was getting all the details for my list, that some loans were unexpectedly extended and it on the face of it looked like it was because of the live to drawdown lull.
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ilmoro
Member of DD Central
'Wondering which of the bu***rs to blame, and watching for pigs on the wing.' - Pink Floyd
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Post by ilmoro on Aug 11, 2016 11:09:25 GMT
Drawdown dates arent that relevant anymore, its the go live date from which terms run. End dates are open to interpretation on many earlier loans due to conflicting/misleading info from various different sources. Its a lot better now but still a little vague how update extensions marry with time remaining on site with regards retained interest. I tend to ignore the SS term now and use it as a rough guide alongside my own interpretation calculated from drawdown date, because as you say the indicated term on SS runs from when the loan goes live, not the drawdown date. However, the term with the borrower presumably starts when the money is sent, so that lull between live & drawdown reduces the indicated term, but not the interest pot (as I believe that SS take that lull on the hip). I noted when I was getting all the details for my list, that some loans where unexpected extended and it on the face of it looked like it was because of the live to drawdown lull. That doesnt necessarily work either Just updated my post with example of PBL42 so using that, launched 3/7, drewdown 5/7, now scheduled to end 30/8 so it lost/gained days relative to both launch & drawdown. Think PBL33 was also an issue as SS confirmed original end date (30/6) which didnt tally with either drawdown (13/5) or launch (12/5) and after addition of extension new end date (20/9) isnt related to stated previous end date. Sticking with my strategy of selling before any possible end date. SS have said that they were inconsistent with time remaining with either retained interest or term being used on a loan by loan basis, they were aiming to be consistent but didnt say based on what. Also have to allow for borrowers not paying interest in exact months so I would probably on balance rely on time remaining over calculations based on other info.
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cooling_dude
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Post by cooling_dude on Aug 11, 2016 11:48:01 GMT
Yes...
In any case, the "Remaining Term" simply can't be relied on
Definitely, something that I think SS should sort out.
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(So is that after two months, or just 1m from early July -so end either 3/8, or 3/10)