skippyonspeed
Some people think I'm a little bit crazy, but I know my mind's not hazy
Posts: 787 
Likes: 424
|
Post by skippyonspeed on Oct 2, 2016 8:23:43 GMT
I do not see a thread to specifically suggest improvents, if there is one a lot "deeper" in, then mods feel free to move post & delete thread.
At present any would be new investor looking at the website for the 1st time is directed to "Available Loans".......and at present all that is available is.......yes THE RED BOX .....I suggest the "Live Loans" page might be a better starting point.
|
|
skippyonspeed
Some people think I'm a little bit crazy, but I know my mind's not hazy
Posts: 787
Likes: 424
|
Post by skippyonspeed on Oct 2, 2016 9:05:04 GMT
My 2nd suggestion is, when you bid for a loan part on the SM and you only "win" a fraction of what you wanted, there should be an option so you could reject it.......it may be more suitable for someone else......and save having to put it for resale.....this would also reduce the number of transactions in accounts etc.
|
|
Liz
Member of DD Central
Posts: 2,426
Likes: 1,297
|
Post by Liz on Oct 2, 2016 10:10:29 GMT
My 2nd suggestion is, when you bid for a loan part on the SM and you only "win" a fraction of what you wanted, there should be an option so you could reject it.......it may be more suitable for someone else......and save having to put it for resale.....this would also reduce the number of transactions in accounts etc. I'm sorry I have to disagree; I would rather SS concentrate on bigger issues like FCA full authorisation, the sourcing of quality loans and ensuring our capital is returned in full. They could even develop new projects like, invoice financing, lower risk loans at a lower rate, renewable opportunities etc etc
|
|
skippyonspeed
Some people think I'm a little bit crazy, but I know my mind's not hazy
Posts: 787
Likes: 424
|
Post by skippyonspeed on Oct 2, 2016 10:33:01 GMT
My 2nd suggestion is, when you bid for a loan part on the SM and you only "win" a fraction of what you wanted, there should be an option so you could reject it.......it may be more suitable for someone else......and save having to put it for resale.....this would also reduce the number of transactions in accounts etc. I'm sorry I have to disagree; I would rather SS concentrate on bigger issues like FCA full authorisation, the sourcing of quality loans and ensuring our capital is returned in full. They could even develop new projects like, invoice financing, lower risk loans at a lower rate, renewable opportunities etc etc I'm hurt  I don't disagree with you, but I do like to keep my loans tidy!!! I think they should sort all current problems (ie your 1st paragraph), before embarking on a whole bunch of new problems.........I don't even know what invoice financing is!!! 
|
|
Liz
Member of DD Central
Posts: 2,426
Likes: 1,297
|
Post by Liz on Oct 2, 2016 11:25:39 GMT
I'm sorry I have to disagree; I would rather SS concentrate on bigger issues like FCA full authorisation, the sourcing of quality loans and ensuring our capital is returned in full. They could even develop new projects like, invoice financing, lower risk loans at a lower rate, renewable opportunities etc etc I'm hurt I don't disagree with you, but I do like to keep my loans tidy!!! I think they should sort all current problems (ie your 1st paragraph), before embarking on a whole bunch of new problems.........I don't even know what invoice financing is!!! I don't want savingstream to be left behind; you have new platforms launching like peerfunding, who are offering ISA's and more variety: Business Loans Secured Loans Selective Invoice Finance Selective Debtor Finance Property Bridging Loans Property Development Loans I bet all the existing p2p sites are frustrated that new firms can come along and seal a march on them, despite all the hard work they must be putting in.
|
|
|
|
Post by chrisuk on Oct 2, 2016 11:48:06 GMT
I think offering some lower risk loans with a lower interest rate might be a good idea. Helps with diversification.
|
|
|
|
Post by martin44 on Oct 2, 2016 11:54:14 GMT
I would like SS to find a way to top up the PF and leave it to grow..  without taking any of my interest of me. |
|
sam i am
Member of DD Central
Posts: 697
Likes: 555
|
Post by sam i am on Oct 2, 2016 12:00:56 GMT
I do not see a thread to specifically suggest improvents, if there is one a lot "deeper" in, then mods feel free to move post & delete thread. At present any would be new investor looking at the website for the 1st time is directed to "Available Loans".......and at present all that is available is.......yes THE RED BOX .....I suggest the "Live Loans" page might be a better starting point.Sorry but I disagree with your specific suggestion. The Available Loans page is the one where I may want to take quick action, so I want to check it out right away. All other pages I'm happy to review at leisure. It was a very long time ago, but somewhere I recall reading that in the very early days (before my time), a change was made to put the available loans on the start page because that's what lenders wanted. Although the site structure was different then with all loans being shown on the page, just that some had availability and some didn't. Now I come to think of it, it brings back fond memories: "Lot's of green today" or "No green anywhere!"
|
|
skippyonspeed
Some people think I'm a little bit crazy, but I know my mind's not hazy
Posts: 787
Likes: 424
|
Post by skippyonspeed on Oct 2, 2016 12:21:28 GMT
I'm hurt I don't disagree with you, but I do like to keep my loans tidy!!! I think they should sort all current problems (ie your 1st paragraph), before embarking on a whole bunch of new problems.........I don't even know what invoice financing is!!! I don't want savingstream to be left behind; you have new platforms launching like peerfunding, who are offering ISA's and more variety: Business Loans Secured Loans Selective Invoice Finance Selective Debtor Finance Property Bridging Loans Property Development Loans I bet all the existing p2p sites are frustrated that new firms can come along and seal a march on them, despite all the hard work they must be putting in. Once again I do not disagree with you. However, I really think the fundamentals need sorting first, especially the banking. The number of people complaining here about late payments (I am relatively new here and am still adding to my portfolio so can only say what I see here), and you never know when new funds are going to show up on your account . Then the interest payments sometimes early, sometimes late morning, this is a function that occurs on the 1st of every month, they know it's coming, surely they could set a time and keep to it. Regular Joes and Josephines expect a bit of professionalism especially when it concerns there hard earned. They come across to me as being understaffed, a bit like a swan, graceful on the surface, but paddling away as fast as they can.
|
|
skippyonspeed
Some people think I'm a little bit crazy, but I know my mind's not hazy
Posts: 787
Likes: 424
|
Post by skippyonspeed on Oct 2, 2016 12:39:59 GMT
I do not see a thread to specifically suggest improvents, if there is one a lot "deeper" in, then mods feel free to move post & delete thread. At present any would be new investor looking at the website for the 1st time is directed to "Available Loans".......and at present all that is available is.......yes THE RED BOX .....I suggest the "Live Loans" page might be a better starting point.Sorry but I disagree with your specific suggestion. The Available Loans page is the one where I may want to take quick action, so I want to check it out right away. All other pages I'm happy to review at leisure. It was a very long time ago, but somewhere I recall reading that in the very early days (before my time), a change was made to put the available loans on the start page because that's what lenders wanted. Although the site structure was different then with all loans being shown on the page, just that some had availability and some didn't. Now I come to think of it, it brings back fond memories: "Lot's of green today" or "No green anywhere!" I was specifically aiming at possible new investors with no account. I agree, if you have an account after logging on the Available Loan Page would be the place to start......... however, a prospective investor would probably immediately look elsewhere if all they saw on the first screen was one or more "red boxes" Anyway it ain't much use seeing what is available BEFORE you logon, because anything you see will probably have gone by the time you've put in your details!!
|
|
ablender
Member of DD Central
Posts: 2,204
Likes: 555
|
Post by ablender on Oct 2, 2016 12:56:26 GMT
I do not see a thread to specifically suggest improvents, if there is one a lot "deeper" in, then mods feel free to move post & delete thread. At present any would be new investor looking at the website for the 1st time is directed to "Available Loans".......and at present all that is available is.......yes THE RED BOX .....I suggest the "Live Loans" page might be a better starting point.Sorry but I disagree with your specific suggestion. The Available Loans page is the one where I may want to take quick action, so I want to check it out right away. All other pages I'm happy to review at leisure. It was a very long time ago, but somewhere I recall reading that in the very early days (before my time), a change was made to put the available loans on the start page because that's what lenders wanted. Although the site structure was different then with all loans being shown on the page, just that some had availability and some didn't. Now I come to think of it, it brings back fond memories: "Lot's of green today" or "No green anywhere!" I think that related to skippyonspeed 's proposal, savingstream is missing a Dashboard which can give a person an overview of his/her holdings on this platform. This can be a good starting page. On the other hand I do understand what sam i am is saying and I think that having a Dashboard does not exclude the possibility of customising one's own starting page, something that might need to be changed from time to time after all depending on changing circumstances.
|
|
ablender
Member of DD Central
Posts: 2,204
Likes: 555
|
Post by ablender on Oct 2, 2016 12:59:46 GMT
My 2nd suggestion is, when you bid for a loan part on the SM and you only "win" a fraction of what you wanted, there should be an option so you could reject it.......it may be more suitable for someone else......and save having to put it for resale.....this would also reduce the number of transactions in accounts etc. I'm sorry I have to disagree; I would rather SS concentrate on bigger issues like FCA full authorisation, the sourcing of quality loans and ensuring our capital is returned in full. They could even develop new projects like, invoice financing, lower risk loans at a lower rate, renewable opportunities etc etc , I do not think that improving the platform excludes or detracts from working on FCA related matters. I feel that savingstream have more strengths than we are accrediting them.
|
|
sam i am
Member of DD Central
Posts: 697
Likes: 555
|
Post by sam i am on Oct 2, 2016 13:31:18 GMT
Sorry but I disagree with your specific suggestion. The Available Loans page is the one where I may want to take quick action, so I want to check it out right away. All other pages I'm happy to review at leisure. It was a very long time ago, but somewhere I recall reading that in the very early days (before my time), a change was made to put the available loans on the start page because that's what lenders wanted. Although the site structure was different then with all loans being shown on the page, just that some had availability and some didn't. Now I come to think of it, it brings back fond memories: "Lot's of green today" or "No green anywhere!" I was specifically aiming at possible new investors with no account. I agree, if you have an account after logging on the Available Loan Page would be the place to start......... however, a prospective investor would probably immediately look elsewhere if all they saw on the first screen was one or more "red boxes" Anyway it ain't much use seeing what is available BEFORE you logon, because anything you see will probably have gone by the time you've put in your details!! It makes more sense if it is limited to that scenario rather than applying generally. However a new lender is likely to see the homepage first which has an array of information including 'Browse our loan portfolio'. So I think your proposal would only be of relevance for a non-logged in visitor who then clicks on the INVESTMENTS link at the top of the homepage. But as others have said, there are probably more pressing issues.
|
|
sam i am
Member of DD Central
Posts: 697
Likes: 555
|
Post by sam i am on Oct 2, 2016 13:37:53 GMT
My 2nd suggestion is, when you bid for a loan part on the SM and you only "win" a fraction of what you wanted, there should be an option so you could reject it.......it may be more suitable for someone else......and save having to put it for resale.....this would also reduce the number of transactions in accounts etc. Another related suggestion (which has been made several times before) is to allow aggregation of loan parts to help the tidying process. Sometimes I have tens of tiddly parts that I want to sell at the same time. If aggregating is a bit tricky to do (it might be difficult before a loan part has reached the end of it's first calendar month of new ownership due to apportioning of interest) then maybe an option to select a number of loan parts together and then 'sell all selected loan parts'.
|
|
ablender
Member of DD Central
Posts: 2,204
Likes: 555
|
Post by ablender on Oct 2, 2016 19:47:26 GMT
Something that I would like to see on SS is a column showing the accrued interest for the current month. At the moment we see the accrued/already-paid interest since a loan part was bought. I know that we can get this figure through spreadsheet manipulation, but why can't we have this added directly on the platform?
|
|
without taking any of my interest of me. 
