|
|
Post by GSV3MIaC on May 28, 2014 7:54:42 GMT
Is it just me, and my partner, or can anyone else see missing funds from the FC total? Ours is about £300, and crept up all thru yesterday. I assume it is failed bid money not returned. Usually this is very temporary, but this time it seems to be stuck.
|
|
ianb
Posts: 161 
Likes: 54
|
Post by ianb on May 28, 2014 8:02:43 GMT
Last 2 days the right amount of interest doesn't seem to have been credited to my account, only a fraction of what I would expect. Thought maybe the overnight processing hadn't run successfully, maybe due to it being a bank hol a couple of days ago. But that wouldn't explain why it didn't catch-up last night. I'll give it another day then start moaning.
|
|
jimbo
Posts: 234
Likes: 42
|
Post by jimbo on May 28, 2014 8:09:31 GMT
I could have sworn I didn't have a failed £20 bid refunded to my account at the weekend, but thought that maybe I'd imagined it. Now I'm not so sure. I will check my statement tonight as it should show a record of the bid.
|
|
|
|
Post by phlitb on May 28, 2014 8:29:55 GMT
I have at least £40 missing, plus my account went down further overnight - perhaps fees were subtracted and interest not credited. It tends to sort itself eventually, although I recall one case not so long ago where it took weeks.
|
|
|
|
Post by yorkshireman on May 28, 2014 8:31:10 GMT
Similar problems here.
I’ve emailed FC suggesting, that as they are now regulated by the FCA, they should do as banks do and make a goodwill payment when they c*ck up.
I find that banks usually pay up without much argument (6 separate payments totalling £300 for a catalogue of errors during a botched current account transfer to HBOS last year without questions for example) therefore as I see it, FC should be held to account in the same way under the new regime.
|
|
|
|
Post by davee39 on May 28, 2014 8:37:53 GMT
Yes, about £20 down. Yesterday morning bidding was appallingly dysfunctional again - I suspect this was when it went astray. I look forward to an email reply telling me how busy they are and why they have missed the 48 hr deadline.
|
|
|
|
Post by pepperpot on May 28, 2014 8:48:18 GMT
I spotted an £80 loss on Monday night and sent FC an email yesterday - not heard back yet. It did seem to be very similar to last time, bids not being returned.
|
|
|
|
Post by yorkshireman on May 28, 2014 8:49:58 GMT
It may be coincidence but I notice that the discrepancy is within a few pence of the amount of cashback for loan 6215 shown as credited to my account under transactions for 27/05/2014.
|
|
|
|
Post by davee39 on May 28, 2014 8:56:40 GMT
It may be coincidence but I notice that the discrepancy is within a few pence of the amount of cashback for loan 6215 shown as credited to my account under transactions for 27/05/2014. I think it is coincidence. I only earned £1.20 cashback, but the discrepancy looks to be 1 bid of £20. I would suggest anyone who spots an error should raise with FC as a first step. If not resolved quickly it will be time to dig out the contact details for the regulator.
|
|
|
|
Post by yorkshireman on May 28, 2014 8:58:05 GMT
I find that banks usually pay up without much argument (6 separate payments totalling £300 for a catalogue of errors during a botched current account transfer to HBOS last year without questions for example) therefore as I see it, FC should be held to account in the same way under the new regime.
And, I forgot to mention, after I cancelled the transfer and kicked HBOS into touch, I received a further payment for the inconvenience I had suffered, therefore open season on FC for all the inconvenience they cause!
|
|
|
|
Post by GSV3MIaC on May 28, 2014 9:23:23 GMT
Thanks folks, not just us then. This raises the other question .. If FC have all these emails about it, how come they can't be bothered to put a note up on their site acknowledging the problem and estimating a fix?!
|
|
|
|
Post by yorkshireman on May 28, 2014 9:36:52 GMT
If FC have all these emails about it, how come they can't be bothered to put a note up on their site acknowledging the problem and estimating a fix?! Lax operational management and controls.
|
|
jm72
Posts: 109
Likes: 2
|
Post by jm72 on May 28, 2014 9:43:22 GMT
I'm in the same situation, £20 down. I had the same problem last week, sent an email, 3 days later got a response which said 'we're aware through a report we have internally, but it is a manual process to untrap the bids. This takes a lot of time due to the number of transactions in your account'. My response this week was to give the precise day when it occured - but I think that FC has got a real problem since they had the site downtime last Friday. As noted elsewhere, a lot of the loan bids seem to 'freeze' and not knock out failed bids. I took to copying the bids into Excel, summing them up to work out whether my bid was still live or a Zombie bid.
It really is terrible - this keeps on happening, has been discussed endlessly on here. I'm just wondering if FC is ever going to do anything about the underlying infrastructure - or as has been suggested, carry on with it just about working until they up and sell!
|
|
jimbo
Posts: 234
Likes: 42
|
Post by jimbo on May 28, 2014 10:01:14 GMT
I don't think it's an issue of infrastructure. This looks like a coding/testing screw-up to me...
|
|
chrisf
Member of DD Central
Posts: 224
Likes: 67
|
Post by chrisf on May 28, 2014 10:12:39 GMT
Using the formula Amount invested + Net earnings + accrued interest = Funding circle total, I could see I was exactly £40 down early this morning, but it has since re-appeared. It happens quite often, sometimes just refreshing the window brings it back, and sometimes it might take an hour or two. I never worry about it any more, though I did the first few times. I appreciate not everyone knows their Amount invested, but I only ever put in x000 so it is easy for me.
|
|
