adrianc
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Post by adrianc on Apr 5, 2017 14:14:34 GMT
***HELP**** Anyone able to explain how to quote bits from one thread into a reply on another ? The easiest way is just to cut'n'paste, especially via the BBCode tab.
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treeman
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Post by treeman on Apr 5, 2017 15:50:03 GMT
***HELP**** Anyone able to explain how to quote bits from one thread into a reply on another ? The easiest way is just to cut'n'paste, especially via the BBCode tab. Thanks - I'll have a play once I've got all the Year End stuff done.
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twoheads
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Post by twoheads on Apr 5, 2017 20:13:34 GMT
Liz, as with will, please let me know when and how your dilemma is resolved.
Cheers,
twoheads .
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ilmoro
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'Wondering which of the bu***rs to blame, and watching for pigs on the wing.' - Pink Floyd
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Post by ilmoro on Apr 5, 2017 23:13:57 GMT
Interestingly both Halifax & BOS seem to be guilty of some retrospective statement entries this month as my reward payments werent in there on 11.59pm Monday but now appear in the statements dated the 3rd.
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joe91
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Post by joe91 on Apr 6, 2017 7:14:54 GMT
"Should Saving Stream EVER alter existing transactions? ", rubbish question. I choose YES, because in the second or so it took to read I had thought of several reasons you might want to alter a transaction. Data corruption (hardware fault) sprung immediately to mind. Data corruption should, probably have to be restored from backup. I used to work in Government IT. Amending existing transactions would be frowned upon by Auditors. As has been said, I'd be very surprised if the FCA would be happy with it. I'm certainly not.
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spiral
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Post by spiral on Apr 6, 2017 7:28:43 GMT
Interestingly both Halifax & BOS seem to be guilty of some retrospective statement entries this month as my reward payments werent in there on 11.59pm Monday but now appear in the statements dated the 3rd. I suspect there is a subtle difference between retrospectively adding an entry as opposed to retrospectively altering an entry.
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Liz
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Post by Liz on Apr 6, 2017 9:56:11 GMT
Liz , as with will , please let me know when and how your dilemma is resolved.
Cheers,
twoheads . I got a standard useless response about non12%loans which didn't answer the questions. I specifically said I had never held a non12% and this missing figure appeared over a year ago. Someone has tampered with transactions which were over 1-year-old, yet no explanation to what and why this was. Good luck to everyone, you can't trust your financial data anymore. Paul64 I will say it again, I have never held a non12% loan and the negative figure is recurring across my transactions for a whole year(often after withdrawals which shouldn't be possible), yet nobody knows why. Very worrying. I don't think the FCA would approve of this.
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Post by Deleted on Apr 6, 2017 10:05:37 GMT
Liz , as with will , please let me know when and how your dilemma is resolved.
Cheers,
twoheads . I got a standard useless response about non12%loans which didn't answer the questions. I specifically said I had never held a non12% and this missing figure appeared over a year ago. Someone has tampered with transactions which were over 1-year-old, yet no explanation to what and why this was. Good luck to everyone, you can't trust your financial data anymore. Paul64 I will say it again, I have never held a non12% loan and the negative figure is recurring across my transactions for a whole year(often after withdrawals which shouldn't be possible), yet nobody knows why. Very worrying. I don't think the FCA would approve of this. The FCA comment hangs in the air at the end, but in all seriousness this simply can't be acceptable by any financial institution and needs reporting. I actually thought the whole 12% interest run which was corrected was a storm in a teacup, a matter of opinion whether it should have been corrected/overwritten. On the other hand I struggle to see how it is ever plausible to alter an account going back a year with zero explanation!
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Liz
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Post by Liz on Apr 6, 2017 10:27:31 GMT
Are you now expecting an email from Tim to the effect "P*** off and invest elsewhere"?  No, e-mail from George, who clearly hasn't a clue.
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locutus
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Post by locutus on Apr 6, 2017 10:30:13 GMT
I got a standard useless response about non12%loans which didn't answer the questions. I specifically said I had never held a non12% and this missing figure appeared over a year ago. Someone has tampered with transactions which were over 1-year-old, yet no explanation to what and why this was. Good luck to everyone, you can't trust your financial data anymore. Paul64 I will say it again, I have never held a non12% loan and the negative figure is recurring across my transactions for a whole year(often after withdrawals which shouldn't be possible), yet nobody knows why. Very worrying. I don't think the FCA would approve of this. I have seen this wilful misinterpretation from customer support on several occasions. Regardless, it really isn't acceptable. Paul64, Neil Hockenhull, your Head of Finance is a Charted Accountant I believe. Perhaps you should ask his opinion on amending historic transactions to make sure he is aware of what is happening. Hopefully, if this comes to his attention, he will insist on changing the systems and processes to ensure compliance with fairly accepted industry standards.
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ilmoro
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'Wondering which of the bu***rs to blame, and watching for pigs on the wing.' - Pink Floyd
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Post by ilmoro on Apr 6, 2017 11:32:00 GMT
Interestingly both Halifax & BOS seem to be guilty of some retrospective statement entries this month as my reward payments werent in there on 11.59pm Monday but now appear in the statements dated the 3rd. I suspect there is a subtle difference between retrospectively adding an entry as opposed to retrospectively altering an entry. Yes & no. Still means if Id balanced my account there would subsequently be a discrepancy, transaction timeline is wrong and I cant really on the payment being made on the day indicated by the statement if Im looking back to analyise cashflow. Actually had a DD bounced once because I miscalculated the funds that should have been available on the day because the interest wasnt paid on the normal day indicated by the statement. (admitted by bank) If Mon had been 5/4, that payment would have actually added to my balance after the end of the financial year. Should also be noted that banks regularly enter FP made over the weekend on the following Monday. No they arent retrospectively changing entries but they are introducing inaccuacies into statements. Was watching very carefully last night to make sure no flexible ISA credits got incorrectly dated so they appeared to be made after the deadline (something to bear in mind for 2020 when FYE falls on a weekend  )
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Post by meledor on Apr 6, 2017 13:05:53 GMT
"Should Saving Stream EVER alter existing transactions? ", rubbish question. I choose YES, because in the second or so it took to read I had thought of several reasons you might want to alter a transaction. Data corruption (hardware fault) sprung immediately to mind. Data corruption should, probably have to be restored from backup. I used to work in Government IT. Amending existing transactions would be frowned upon by Auditors. As has been said, I'd be very surprised if the FCA would be happy with it. I'm certainly not.
Well think of it as Lendy re-running the month end interest calculation from their backup. Hence you do not have adjusting transactions. Month end processes can go wrong and it is easier to do it again than spend a lot of time working out and posting correcting entries. This is usual practice in and I speak as an accountant who has worked in financial services.
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Liz
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Post by Liz on Apr 6, 2017 13:34:43 GMT
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n
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Post by n on Apr 6, 2017 15:07:32 GMT
Liz I keep a spreadsheet where I enter deposits & withdrawals, and the interest that they add at month end (if I feel like checking it I do that separately). So if something obscure happens my balance immediately differs from theirs. Also I keep my balance at a nice round number (not zero) so any changes stand out like a saw thumb (as my clawed back £0.01 did the other day).
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Liz
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Post by Liz on Apr 7, 2017 13:29:22 GMT
My transactions weren't altered after all!
"You are one of a few investors who have been affected by a small interest shortfall glitch on your account. This is unrelated to our new default policy coming in to effect.
The shortfall related to an interest payment made in 31/03/2016 which was accidentally removed from some accounts during 2017's March interest run.
These missing payments have now been added back in to your account and we apologise profusely for this temporary issue, which we have been assured should not happen again.
If you have any queries, please feel free to contact us.
Kind regards,
The Lendy Team"
I think we all need to keep an eye out for deleted transactions in the future. Slightly worrying development.
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