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Post by simona7 on Dec 7, 2016 10:53:34 GMT
As I already mentioned, no company can foresee all possible scenarios of force majeure, but if this very unlikely scenario happens VIA SMS Group guarantees to accomplish its (or its daughter companies') commitments to investors. Kindest regards, Simona www.viainvest.com+371 66102939 |
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shimself
Member of DD Central
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Post by shimself on Dec 8, 2016 13:16:39 GMT
As I already mentioned, no company can foresee all possible scenarios of force majeure, but if this very unlikely scenario happens VIA SMS Group guarantees to accomplish its (or its daughter companies') commitments to investors. Kindest regards, Simona www.viainvest.com+371 66102939 Sorry Simona, genuinely I am sorry because I am in need of Euro platforms, but if you can't answer questions I can't invest.
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Post by simona7 on Dec 12, 2016 12:31:09 GMT
As I already mentioned, no company can foresee all possible scenarios of force majeure, but if this very unlikely scenario happens VIA SMS Group guarantees to accomplish its (or its daughter companies') commitments to investors. Kindest regards, Simona www.viainvest.com+371 66102939 Sorry Simona, genuinely I am sorry because I am in need of Euro platforms, but if you can't answer questions I can't invest. As you asked which company will give guarantees and if you could see the reports on this company, I provided an answer that in case of loan originator default all obligations will be assumed by VIA SMS Group. All financial reports on the company can be found on VIA SMS Group homepage or Nasdaq Riga webpage (http://www.nasdaqbaltic.com/market/?instrument=LV0000802064&list=1&pg=details&tab=reports). What kind of additional information do you need? Kindest regards, Simona www.viainvest.com+371 66102939
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ivom
Posts: 13
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Post by ivom on Dec 12, 2016 17:44:47 GMT
was browsing through over the weekend, saw there was "Viventor" instead of "ViaInvest" in one of the agreements in some places. could not find it now anymore. simona7 can you explain? was ready to do a test, but found this confusing and paused. |
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Post by simona7 on Dec 13, 2016 8:08:07 GMT
was browsing through over the weekend, saw there was "Viventor" instead of "ViaInvest" in one of the agreements in some places. could not find it now anymore. simona7 can you explain? was ready to do a test, but found this confusing and paused. We must admit that this is the mistake of our Legal Department, as the same people are working with VIAINVEST legal agreements and manages the legal side of our cooperation with Viventor. Apologies once again, we have corrected this mistake. Kindest regards, Simona www.viainvest.com+371 66102939
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shimself
Member of DD Central
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Post by shimself on Dec 13, 2016 22:42:56 GMT
Sorry Simona, genuinely I am sorry because I am in need of Euro platforms, but if you can't answer questions I can't invest. As you asked which company will give guarantees and if you could see the reports on this company, I provided an answer that in case of loan originator default all obligations will be assumed by VIA SMS Group. All financial reports on the company can be found on VIA SMS Group homepage or Nasdaq Riga webpage (http://www.nasdaqbaltic.com/market/?instrument=LV0000802064&list=1&pg=details&tab=reports). What kind of additional information do you need? Kindest regards, Simona www.viainvest.com+371 66102939 Looking at your numbers: 1 1M registered customers, 288M loans. Is this 288M€ ? 2 revenue up 56% between 2012 and 2016, but net portfolio up 20%. Please explain 3 revenue up 56% between 2012 and 2016, but growth in 2016 expected 23%, which appears to suggest things have been going comparatively slowly 2012-5, is that right? 4 I don't understand loan returning rate 75%, pls explain 5 Also how much are the borrowers paying please? 6 How long have you been operating in CZ? 7 What can you tell us about your default rates in CZ? 8 Which company in the group makes the guarantee?
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Post by simona7 on Dec 14, 2016 10:10:59 GMT
Thank you for your questions! All numbers referring to our business are stated in EUR. This year we expect higher growth within the VIA SMS Group companies as in 2016 group has launched several new products - SAVA.card, VIA SPAR, and VIA KREDIT. Net portfolio mainly refers to the loans issued, as this traditionally has been the main business of the company. By the loan returning rate, we understand retention rate. About the Czech Republic - we operate there since 2010. Above you can see most of the answers I already provided previously. Could you please specify what do you mean by 5th question? Kindest regards, Simona www.viainvest.com+371 66102939
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Post by buttchopf23 on Dec 14, 2016 10:29:10 GMT
He (and I) would like to know the rate at which you lend the funds to the borrowers.
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Post by simona7 on Dec 14, 2016 12:10:10 GMT
He (and I) would like to know the rate at which you lend the funds to the borrowers. The interest rate for short-term consumer loans originated in the Czech Republic varies depending on loan term and borrowed amount. You can easily calculate these rates by choosing term and amount on VIASMS.cz homepage: www.viasms.cz/. All values there are mirrored in CZK. Kindest regards, Simona www.viainvest.com+371 66102939
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shimself
Member of DD Central
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Post by shimself on Dec 14, 2016 17:28:13 GMT
Thank you for your questions! All numbers referring to our business are stated in EUR. This year we expect higher growth within the VIA SMS Group companies as in 2016 group has launched several new products - SAVA.card, VIA SPAR, and VIA KREDIT. Net portfolio mainly refers to the loans issued, as this traditionally has been the main business of the company. By the loan returning rate, we understand retention rate. About the Czech Republic - we operate there since 2010. Above you can see most of the answers I already provided previously. Could you please specify what do you mean by 5th question? Kindest regards, Simona www.viainvest.com+371 66102939 You can tell how desperate I am to find Euro platforms that I am reverting yet a "£$%^&* gain Looking at your numbers: 1 1M registered customers, 288M loans. Is this 288M€ ? yes when we wrote 288M loans we intended to write 280M€ and we have now fixed the website2 revenue up 56% between 2012 and 2016, but net portfolio up 20%. Please explain afaik you haven't covered this3 revenue up 56% between 2012 and 2016, but growth in 2016 expected 23%, which appears to suggest things have been going comparatively slowly 2012-5, is that right? new products increased turnover4 I don't understand loan returning rate 75%, retention rate by which I think you mean borrowers returning for another loan is that right?5 Also how much are the borrowers paying please? afaik you haven't covered this I mean what rates of interest6 How long have you been operating in CZ? since 20107 What can you tell us about your default rates in CZ? afaik you haven't covered this8 Which company in the group makes the guarantee? sort of the parent VIA-SMS group but I can't find this other than your telling me - I'd like to see the promise in the T&C please
I want to add number 9 please - is there any sign of new regulation in CZ which would reduce your market or margins (I'm thinking of wonga in UK)
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Post by stefan on Dec 26, 2016 7:59:28 GMT
hello simona7, will viainvest provide a excel-file download for the complete account statement?
thank you!
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Post by simona7 on Dec 28, 2016 8:00:55 GMT
hello simona7, will viainvest provide a excel-file download for the complete account statement? thank you! We are currently working on implementing various updates to make our investors' experience better. Implementing Excel workbook download option is also on our list. Kindest regards, Simona www.viainvest.com+371 66102939
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kulerucket
Member of DD Central
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Post by kulerucket on Jan 19, 2017 12:47:02 GMT
I have signed up recently and have some feature requests to help with usability:
1) There is no easy way to see how full your auto investor is at the moment. Yu don't know whether they are gathering loans without manually checking.
2) When you buy a loan manually, you have to leave the loans page and make multiple clicks to complete the loan. Then you cannot return to the filter you were using. If I want to spread my funds across 10 loans with similar properties, I have to re-enter the filter over and over.
3) My Investments - would be nice to be able to filter on auto-invester profile that bought the loan.
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Post by buttchopf23 on Feb 14, 2017 14:02:42 GMT
I have taken a closer look at viainvest, the article is available in english and german, you can switch the language directly. (pls note, my blog contains some referral links). Interesting points: - viventor and viainvest have a common past, plus viventor ceo used to be co-ceo at viainvest. No further ties through common shareholder exist (according to viventor) - twinero bought spanish business from viainvest in 2014. 2015 viainvest reentered spanish market - there is another via entity to provide financing to via sms group: via spar sweden provides a high interest account service for investors. Seems to be available in sweden only. |
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p40l0m4r
Member of DD Central
Posts: 63
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Post by p40l0m4r on Mar 21, 2017 21:31:47 GMT
I don't know your experiences, but i have 80% more or less of my spanish loans buybacked.
I still don't have a big pool to make objective conclusions, i'm here by two months, but 80% is... what??
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