Steerpike
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Post by Steerpike on Oct 19, 2016 8:40:27 GMT
Can't sort portfolio (your investments) by date of expiry, amount, next payment, name
This is so depressing, why, just why? The cherry on the cake is that if a loan is extended the date on the loan details on the website is not updated. So not only can you not sort, export, or search your portfolio, the details are wrong anyway.
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Post by annrosehorse on Oct 20, 2016 12:10:29 GMT
Hi please could you tell me if possible to download list of my loans into excel.
Also i need to look at my loans by end date.
Any method, instructions on how to do this.
I would prefer a MT style rather than these boxes.
Thanks Annrosehorse
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upland
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Post by upland on Oct 20, 2016 16:44:58 GMT
Hi please could you tell me if possible to download list of my loans into excel. Also i need to look at my loans by end date. Any method, instructions on how to do this. I would prefer a MT style rather than these boxes. Thanks Annrosehorse Worth pestering their support for it but its probably gone. You can get something prior to the website upgrade but I have no idea the format. Sort and search are a bit more tricky now.
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shimself
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Post by shimself on Oct 20, 2016 19:10:39 GMT
Note : Our account numbers have all changed, anyone making a bank transfer needs to change the reference. Why would anyone make a bank transfer (assuming they were going to invest it and not leave it idling on the platform)? There is an obvious disadvantage of time lag over a debit card but is there some advantage? for large amounts I think transfers have higher limit
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shimself
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Post by shimself on Oct 20, 2016 19:16:30 GMT
Just another thumbs down. Slower. Boxes make it harder to spot attractive loans. No SM!
It's really strange, nobody here has a good word to say for it, maybe they've done some evaluations with a bunch of lending virgins who opined that it was nicer (prettier), but fercrissake F U N C T I O N!!!
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pom
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Post by pom on Oct 20, 2016 19:55:51 GMT
Why would anyone make a bank transfer (assuming they were going to invest it and not leave it idling on the platform)? There is an obvious disadvantage of time lag over a debit card but is there some advantage? for large amounts I think transfers have higher limit Perhaps if you were willing to go the CHAPS route....I've been told the limit on my debit card is that it can only cope with 5 figures....and I don't think there's anything really to stop you doing a couple in quick succession.
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upland
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Post by upland on Oct 21, 2016 6:50:43 GMT
Just another thumbs down. Slower. Boxes make it harder to spot attractive loans. No SM! It's really strange, nobody here has a good word to say for it, maybe they've done some evaluations with a bunch of lending virgins who opined that it was nicer (prettier), but fercrissake F U N C T I O N!!! True , a friend of mine who uses the site sporadically with little invested said it looked OK. I cannot help but feel that curtailing its functionality will reduce how well the investor can monitor their investments. I cannot see how they can support a SM as its so slow now.
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Post by Icarus Unleashed on Oct 21, 2016 16:25:55 GMT
Body of opinion on this thread at today's date can currently be summarised as follows:
+VEs
>Annualised percentage rates
now displayed
>Aggregate pre-existing exposure to each loan now clearly flagged
-VEs
>Limited No ability to 'sort' portfolio
>Next 3 upcoming payments no longer clearly displayed
>Not possible to obtain tax statements
>Site struggles to remain logged-in across multiple tabs
>Ability to auto-withdraw interest appears to have been lost
>Site is slower (My 2 cents - whilst I agree things have slowed down I think it still (just about) clicks along fast enough. At least LI haven't 'bricked' the site...)
>Auto-invest is underwhelming
(lacks required sophistication) - e.g. no ability to invest in Tranche Bs only, no ability to set a minimum interest rate for investment etc...
>Change of payment reference for bank transfers was not flagged. For a first time user this wouldn't be a problem, but anyone making bank transfers occasionally or on a very regular basis would be unlikely to check for any payment reference updated each time.
Each of the points above is a new problem that LI have visited on themselves as a direct result of the site update. In addition, these pre-existing old chestnuts still remain:
>Timing of new loan emails
(these have always been a bit sporadic it's probably best to either go down the SS, CL, MT route and send an email before loans are launched or use an approach like FC and AC where no emails are sent.
>No secondary market - unless it is mechanically difficult to implement this I'd have thought this would be close to the top of LI's list of priorities. Secondary market liquidity would benefit investors, perhaps give current investors the confidence to lend more and allow potential investors who are avoiding the current illiquid status of the site to start investing. It's a great shame LI haven't implemented this yet.
In addition to the points that everyone else has raised, the new site has also taken a step backwards in the following respects:
>Pipeline appears to have dried up. Unless I've been missing out on all of the loans since the update I don't think I've seen many new loans in recent days.
>"Funds added by debit card must be invested before they can be withdrawn.
" - I think that there used to be a 30 or 90 day blocked period before withdrawal was possible. I haven't checked whether this is being strictly enforced but if it is debit card funds could be stuck in the platform indefinitely if there was nothing attractive to invest them in. The only other money transfer option would be to use a bank transfer but hope that you don't miss out on any loans because LI say "It can take up to 3 business days for us to receive your money".
>The portfolio is only displayed 10 loans at a time and there is no way to increase the maximum number displayed to 50 / 100 / 200 etc... As someone with 50-odd loans through the platform that means I have to (slowly) click through up to 5 pages if I want to find the details of any given loan.
All in all, many many things that need fixing. However, as I'm of the opinion that LI run a tight ship, I have hope that LI will address these issues and will get there in the end.
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Steerpike
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Post by Steerpike on Oct 21, 2016 16:46:47 GMT
...and performance seems to be getting worse and no export to XLS/CSV and login doesn't work with Keepass any more and loan quality has taken a dive with the latest 75% LTV 6.75% offering
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Post by carol167 on Oct 21, 2016 21:25:56 GMT
add to the -ve list....
Innaccurate Average Rate.
Mine's showing as 1.07% since the new website. Was fine under the old one. It should be 7.54%
Apparently it's because I've made multiple investments on the same loans in some cases. You have to wonder what kind of checking was done before it went live.
Also add the fact that for the life of me I cannot now identify from their new "Your investment has been repaid" emails which one from my spreadsheet list it was since they've done away with the unique identifier such as "LI041016639".
It feels like everything has been really dumbed down.
:-(
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upland
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Post by upland on Oct 22, 2016 6:45:50 GMT
I shall miss the performance graph which was unusual.
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Post by carol167 on Oct 25, 2016 13:54:50 GMT
Soooooo slooooooooooww.....
If it's going to take upwards of 20 to 30 seconds to bring up a page that simply lists a couple of loans, then I strongly advise LendInvest need to take a look at their table structures with a view to redesign.
Yes it will have been under load because everyone will be looking having just got the emails to say there's new loans but 30 seconds ? Really ??
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n
Member of DD Central
Yet another Nick
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Post by n on Oct 25, 2016 16:37:34 GMT
Soooooo slooooooooooww..... If it's going to take upwards of 20 to 30 seconds to bring up a page that simply lists a couple of loans, then I strongly advise LendInvest need to take a look at their table structures with a view to redesign. Yes it will have been under load because everyone will be looking having just got the emails to say there's new loans but 30 seconds ? Really ?? What email? What new loans? I have looked 2 or 3 times today including just now and cannot see anything new. Perhaps I am not navigating correctly. I click the logo at top left to see the loans for sale.
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upland
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Post by upland on Oct 25, 2016 16:41:24 GMT
Would you believe it but my "account is locked" and I could not log in. And the loan sold out in no time. What a bunch of dummies.
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Post by carol167 on Oct 25, 2016 19:05:42 GMT
Soooooo slooooooooooww..... If it's going to take upwards of 20 to 30 seconds to bring up a page that simply lists a couple of loans, then I strongly advise LendInvest need to take a look at their table structures with a view to redesign. Yes it will have been under load because everyone will be looking having just got the emails to say there's new loans but 30 seconds ? Really ?? What email? What new loans? I have looked 2 or 3 times today including just now and cannot see anything new. Perhaps I am not navigating correctly. I click the logo at top left to see the loans for sale. First email was at 14:09 today :- Great news. A new investment has been listed on the Lendinvest platform: Name: S***** G******, Winchester, S*** Tranche: A & B Annualised Return: 6.25% & 7.25% Scheduled End Date: 23/10/2017 Second was at 14:32 :- Great news. A new investment has been listed on the Lendinvest platform: Name: C***** H***, Canterbury, C** Tranche: A Annualised Return: 6% Scheduled End Date: 23/10/2017 The second one seemed to sell out very quickly - even I lost out and I'm usually quick off the mark. Clicking the logo takes you to the "Invest" menu option - so you are looking in the right place. They might be going so quickly because there's been so few new loans of late and they've not been that large either. Churchill, for exampl,e was for only £160,000.
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