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Post by stevefindlay on Mar 8, 2017 9:28:12 GMT
stevefindlay - Just been taking a first decent look at the new style display on My Investments - much better separated by status. A few observations (all relate to Your Investments page): 1) There are quite a few on my Live Loans Tab marked as 'Amortising' with Purchase Dates dating back to Aug and Sept 16 which are still showing the same value for Amount Held and Receivable Amount - so appearing that no capital repayments have been made ? 2) I found the old Months Remaining - x/y (payments/term) - more useful than the current Term column - as I could see how long an investment had to run. 3) If I have the sidebar open the full display width is cropped (losing the Receivable Reference column) and no horizontal scroll bar appears (have to adjust down to 90%). Win10/Firefox. Firstly, thank you fro taking the time to highlight these. Re (1) Sometimes the importers get confused. If you send loan references (or just ping me your account number and we can take from there) we will double check: invest@bondmason.com I strongly suspect this is a tagging issue (bullet vs amortising) rather than a loan not repaying when it should. Re (2) Noted. We've had mixed feedback on this. Some thought the old notation was a fraction. I think there may be merit to show a separate column (too many columns?!) with the remaining term. We will look into this Re (3) Thank you. Out of interest does the horizontal scroll show if you scroll all the way to the bottom of the page? (I realise that even if it does, that's not a great user experience)
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treeman
Member of DD Central
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Post by treeman on Mar 8, 2017 11:41:05 GMT
stevefindlay - Just been taking a first decent look at the new style display on My Investments - much better separated by status. A few observations (all relate to Your Investments page): 1) There are quite a few on my Live Loans Tab marked as 'Amortising' with Purchase Dates dating back to Aug and Sept 16 which are still showing the same value for Amount Held and Receivable Amount - so appearing that no capital repayments have been made ? 2) I found the old Months Remaining - x/y (payments/term) - more useful than the current Term column - as I could see how long an investment had to run. 3) If I have the sidebar open the full display width is cropped (losing the Receivable Reference column) and no horizontal scroll bar appears (have to adjust down to 90%). Win10/Firefox. Firstly, thank you fro taking the time to highlight these. Re (1) Sometimes the importers get confused. If you send loan references (or just ping me your account number and we can take from there) we will double check: invest@bondmason.com I strongly suspect this is a tagging issue (bullet vs amortising) rather than a loan not repaying when it should. Re (2) Noted. We've had mixed feedback on this. Some thought the old notation was a fraction. I think there may be merit to show a separate column (too many columns?!) with the remaining term. We will look into this Re (3) Thank you. Out of interest does the horizontal scroll show if you scroll all the way to the bottom of the page? (I realise that even if it does, that's not a great user experience) Thanks for the reply Steve. (1) I suspect it's just labelling too (2) more columns (with ref to(3) !!!) if necessary - useful info (3) There is indeed a scroll-bar way down just above your page navigation buttons - would be good if the browser could be persuaded to show a window scroll-bar. I'm on a decent resolution display. Can sceenshot it if it would help? Will PM you the loan details in a bit.
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treeman
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Post by treeman on Mar 8, 2017 11:58:53 GMT
Oh yeah, forgot - what would be really good, stevefindlay, is if the column headers row could remain visible (excel freeze-panes style) on the various long-listy loan tabs  |
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Post by sleepy on Mar 15, 2017 20:52:17 GMT
Wasn't there an indication that BM would be providing a downloadable statement by Christmas? By statement I mean a list of dated transactions (credits, debits, investments, interest paid, repayments, etc) as it applies to my account. I guess this isn't happening.  Monthly statements are coming. Soon... A vote for Monthly Statements from me pls
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Post by stevefindlay on Mar 15, 2017 20:55:38 GMT
Monthly statements are coming. Soon... A vote for Monthly Statements from me pls Coming!
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treeman
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Post by treeman on Mar 15, 2017 22:38:46 GMT
stevefindlay - Just been taking a first decent look at the new style display on My Investments - much better separated by status. A few observations (all relate to Your Investments page): 1) There are quite a few on my Live Loans Tab marked as 'Amortising' with Purchase Dates dating back to Aug and Sept 16 which are still showing the same value for Amount Held and Receivable Amount - so appearing that no capital repayments have been made ? <SNIP> Firstly, thank you fro taking the time to highlight these. Re (1) Sometimes the importers get confused. If you send loan references (or just ping me your account number and we can take from there) we will double check: invest@bondmason.com I strongly suspect this is a tagging issue (bullet vs amortising) rather than a loan not repaying when it should. <SNIP> I notice all (except one - 388 Working Capital) I mentioned are now re-tagged 'bullet'. BTW Steve -has the lower allocation limits (half your settings) been now applied to Invoice Discounting Loans ? My last couple look that way or maybe it's just how the pie needs to be sliced?
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keystone
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Post by keystone on Mar 21, 2017 23:25:08 GMT
I have 2 loans which are displayed in a different shade under Your investments: Live. They have the equivalent of the loan amount under amount sold title. Could stevefindlay explain what the titles Amount Sold and Amount Held mean as there is no explanation under the help on this page (click to view) page. |
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Post by stevefindlay on Mar 22, 2017 7:51:41 GMT
I have 2 loans which are displayed in a different shade under Your investments: Live. They have the equivalent of the loan amount under amount sold title. Could stevefindlay explain what the titles Amount Sold and Amount Held mean as there is no explanation under the help on this page (click to view) page. Yes - when the diversification algorithm runs (when you are fully deployed) then you are able to receive new (smaller) positions which enable you to reduce some of your existing positions. However, rather than shave a part off, the steps are to sell the existing position in whole then immediately repurchase a smaller position in the same underlying loan. For audit purposes we've improved the display so that the original position still shows and should be shown immediately underneath your current position in the same underlying loan (you can confirm this by checking the loan ref which should be the same).
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Post by d_saver on Apr 1, 2017 8:16:09 GMT
Hi Steve,
Can you consider adding an option on the 'your investments' page to get a list of the loans in text/csv, or all on one page? This is just so I can easily dump them into a spreadsheet. A click to download csv would be perfect. If there is another way to get this from the site, please let me know.
And, just a footnote (going off track), account fully invested and staying so last few weeks, and all looks well so far for me. I'm pretty much down to beer money.
Thanks.
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adrianc
Member of DD Central
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Post by adrianc on Apr 4, 2017 9:01:13 GMT
This comes under "Is it just me...?" I have to log in to BM's site twice. The first time I put my user name and password in, I just get straight back to the un-logged-in opening page. No error message, as you'd get from the wrong details. The second time, I go straight to the account summary page as I would expect to. Exact same credentials. It happens to me on all three browsers on my everyday machine. (Mac w/ El Capitan, Firefox, Chrome, Safari. All have uBlock Origin installed, makes no difference if it's turned off for the bondmason.com domain via the button in the menu bar.) Also does it on both browsers on another machine (FF/Chrome on Ubuntu 16.04LTS, same story with uBlock Origin). Spot the commonality? Yes, the uBlock Origin adblocker. This doesn't happen to me on any other sites, P2P or other... If I turn uBlock Origin off completely (Chrome, Mac), it logs me in first time. So, clearly, the site is not playing nicely with one of the main adblockers out there. If it helps the troubleshooting, I'm redirected on the first "failure" to www.bondmason.com/#block-user-loginThis one is now looking fixed. Thanks, guys.
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Post by stevefindlay on Apr 4, 2017 17:32:50 GMT
This comes under "Is it just me...?" I have to log in to BM's site twice. The first time I put my user name and password in, I just get straight back to the un-logged-in opening page. No error message, as you'd get from the wrong details. The second time, I go straight to the account summary page as I would expect to. Exact same credentials. It happens to me on all three browsers on my everyday machine. (Mac w/ El Capitan, Firefox, Chrome, Safari. All have uBlock Origin installed, makes no difference if it's turned off for the bondmason.com domain via the button in the menu bar.) Also does it on both browsers on another machine (FF/Chrome on Ubuntu 16.04LTS, same story with uBlock Origin). Spot the commonality? Yes, the uBlock Origin adblocker. This doesn't happen to me on any other sites, P2P or other... If I turn uBlock Origin off completely (Chrome, Mac), it logs me in first time. So, clearly, the site is not playing nicely with one of the main adblockers out there. If it helps the troubleshooting, I'm redirected on the first "failure" to www.bondmason.com/#block-user-loginThis one is now looking fixed. Thanks, guys. Thank you for highlighting in the first place! The offending code seemed to be a redirect between the bondmason.com and www.bondmason.com domains, that was getting in a bit of a loop.
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Greenwood2
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Post by Greenwood2 on Apr 11, 2017 10:37:22 GMT
BM would be better if... the fee you charged was applied before tax rather than after. FYI, Market Invoice recently made this change to their own platform so it must be possible. I know! This is a real pain for us. We wrote to HMRC back in December, but essentially, because we add an additional step in the process and we offer receivables, the fee isn't deductible. However, it is good news that MI are able to deduct the fee (as they also offer receivables, like us). We will recontact HMRC to see if their thinking has moved on. I have to believe that in time it will become deductible, as there is little substance to suggest it shouldn't be - i.e. we will pay corporate tax on the fee, so it feels like HMRC are getting the tax benefit twice: once from our Client's income tax and then again from our corporation tax. Thanks Has this changed? It doesn't seem to have on this years tax statement, but I'm double checking in view of the increase in fees, which makes this even more of a bugbear. And some confusion on the new T&Cs thread.
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Post by stevefindlay on Apr 11, 2017 17:05:56 GMT
I know! This is a real pain for us. We wrote to HMRC back in December, but essentially, because we add an additional step in the process and we offer receivables, the fee isn't deductible. However, it is good news that MI are able to deduct the fee (as they also offer receivables, like us). We will recontact HMRC to see if their thinking has moved on. I have to believe that in time it will become deductible, as there is little substance to suggest it shouldn't be - i.e. we will pay corporate tax on the fee, so it feels like HMRC are getting the tax benefit twice: once from our Client's income tax and then again from our corporation tax. Thanks Has this changed? It doesn't seem to have on this years tax statement, but I'm double checking in view of the increase in fees, which makes this even more of a bugbear. And some confusion on the new T&Cs thread. We've actually not received a reply from HMRC. I will chase again through our tax lawyer.
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bugs4me
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Post by bugs4me on Apr 12, 2017 14:25:20 GMT
Has this changed? It doesn't seem to have on this years tax statement, but I'm double checking in view of the increase in fees, which makes this even more of a bugbear. And some confusion on the new T&Cs thread. We've actually not received a reply from HMRC. I will chase again through our tax lawyer. Cat amongst pigeons time stevefindlay although probably not much help if you're waiting for the infamous wheels at HMRC to grind into action. My accountant is going to deduct the administration fees as irrespective, they are not income actually received by myself now or due at some future date. Plus as BM will presumably be including these in their audited accounts as gross income and therefore liable within the tax calculation for CT, HMRC cannot have it both ways in his opinion. He is comfortable with this stance. This is purely my personal experience and in no way intended as advice/guidance for others which I am not qualified to supply.
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Post by stevefindlay on Apr 12, 2017 16:15:48 GMT
We've actually not received a reply from HMRC. I will chase again through our tax lawyer. Cat amongst pigeons time stevefindlay although probably not much help if you're waiting for the infamous wheels at HMRC to grind into action. My accountant is going to deduct the administration fees as irrespective, they are not income actually received by myself now or due at some future date. Plus as BM will presumably be including these in their audited accounts as gross income and therefore liable within the tax calculation for CT, HMRC cannot have it both ways in his opinion. He is comfortable with this stance. This is purely my personal experience and in no way intended as advice/guidance for others which I am not qualified to supply. Please can I *love* this post (without providing tax advice etc etc). Head down, and turns the other way... Ps: this feels like the 'fair' approach, as we will pay tax on this fee.
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