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Post by GSV3MIaC on Aug 26, 2016 13:39:28 GMT
Apparently I are one, and FC just sent me an email telling me how many % I had in how few loans and encouraging me to spread it wider.
I was tempted to point out that 'few' is all the loans they have available where risk and reward are even vaguely aligned, but I thought I'd leave the poor robot in peace. 8>.
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bloodycat
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Post by bloodycat on Aug 26, 2016 13:53:26 GMT
Me too.
If they would get their overdue property loans to repay I wouldn't be quite as overweight to certain borrowers.
If they had anything worth investing in I might be able to increase my diversification back to what it was before I started withdrawing money due to the relatively low returns for the risk and amount of effort required to find anything worthwhile.
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blender
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Post by blender on Aug 26, 2016 13:53:45 GMT
That's not fair. We have two accounts, one at 22% and the other 15% (max to any one lender). Where's my email? I claim to be the biggest diversity criminal without an email (that's a challenge - there is not much else to do on FC).
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registerme
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Post by registerme on Aug 26, 2016 14:23:50 GMT
52% for me (like others, Newquay). But then again aside from Newquay and £28 of defaults I only have two live loans left. My total residual FC exposure is <2% of what it was at its max.
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Post by longjohn on Aug 26, 2016 14:47:56 GMT
I got the email for one of my accounts where I lend to over 300 companies with a max of 2.1% in any one. The one being a property company with several loans under different names and of many tranches. I can't see where I'm lacking in diversity here, apart from no solicitors or solar power companies.  Another account where I lend to 128 companies with a max of 2.6% also received an email. However a third account (new) where I have just £100 spread across 5 loans appears not to warrant an email. Wonder why? J |
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registerme
Member of DD Central
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Post by registerme on Aug 26, 2016 15:13:01 GMT
If I had to guess I'd say that there's a minimum account balance below which they don't send the email assuming, perhaps, that people with, say, <£1000 on the platform are starting to invest there and so won't have had a chance to get diversified yet.
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min
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Post by min on Aug 26, 2016 15:14:19 GMT
No email here either and I've got one loan that is 23.7% of my total. Mind you total down to a little over £100 in 10 loans (was £50k plus at one time) and all remaining loans are either late or RBR'd so I can't sell them. Most of my income from Financial Culprits is recoveries and I'm pleased that currently at 28.5%.
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Post by GSV3MIaC on Aug 26, 2016 15:39:50 GMT
Yes, I suspect there is a minimum account balance below which the robot CBA to email you.
My criminality is a mere 7.7%, which is trivial compared to history where it was once over 30% (briefly, one Xmas IIRC), and my total invested is down 5x as well.
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agent69
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Post by agent69 on Aug 26, 2016 16:08:16 GMT
No e-mail here.
Current account balance is about £3.50 from shrapnel repayments on defaulted loans (mostly guarantor payments on a posh west end restaurant at 38p per month)
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fp
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Post by fp on Aug 26, 2016 17:09:28 GMT
I hope you all replied with an email about getting back to them within 48 hours.....
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Post by nightmare on Aug 29, 2016 14:25:08 GMT
Apparently I are one, and FC just sent me an email telling me how many % I had in how few loans and encouraging me to spread it wider. I was tempted to point out that 'few' is all the loans they have available where risk and reward are even vaguely aligned, but I thought I'd leave the poor robot in peace. 8>. "I was tempted to point out that 'few' is all the loans they have available where risk and reward are even vaguely aligned" - that'll be just Ds and Es then will it?
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Post by GSV3MIaC on Aug 29, 2016 15:12:13 GMT
Yep, and only small D's at that.
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oldgrumpy
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Post by oldgrumpy on Aug 29, 2016 15:29:25 GMT
We all pay attention when we see a cupple of Ds and Es up for grabs. Fastest finger first?  |
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acky
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Post by acky on Aug 30, 2016 7:25:48 GMT
35.6% on one of my accounts which has five figure investment (not counting pence!), but no e-mail.
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blender
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Post by blender on Aug 30, 2016 8:03:57 GMT
35.6% on one of my accounts which has five figure investment (not counting pence!), but no e-mail. I think that makes Acky the diversity super-villain. My two accounts are also five figures, and so there must be a special class of lender which has been excluded from the emails - as incorrigible perhaps. I will bask in that thought for a while.
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