jimbob
Member of DD Central
Posts: 317
Likes: 74
|
Post by jimbob on Nov 14, 2015 13:51:14 GMT
To clarify they do not ask you what you earn but ask for a copy of your bank statement, which clearly includes your salary and where you spend money. When LC asked me for a bank statement, I asked them if a scan of my relevant debit card would be OK (I sent this as it has bank sort and account). They agreed, and also made it clear that the details of a bank statement could be obfuscated if I wished to send that instead. Linking the bank to the person is the key part they are after.
|
|
jimbob
Member of DD Central
Posts: 317
Likes: 74
|
Post by jimbob on Nov 13, 2015 10:12:30 GMT
5% is 5% whether it is a regular saver (Effectively a reverse amortising loan); just sitting in a bank account (Whether it has a limit or not); interest paid out regularly in p2p (Savingstream) or an amortising loan.
Of course access to capital is the crunch point ! And of course you will have a reducing / increasing /static capital depending on the product which means the final returns all look very different.
|
|
jimbob
Member of DD Central
Posts: 317
Likes: 74
|
Post by jimbob on Nov 12, 2015 11:10:04 GMT
Thankfully the loans are extremely liquid, I am borrowing at 0% as I'm mortgage free and am not liable for UK Tax. Oh wait...
|
|
jimbob
Member of DD Central
Posts: 317
Likes: 74
|
Post by jimbob on Nov 12, 2015 11:07:51 GMT
I'm with Little Capitalists, Frothing Counts, SS, MT, AblRate and FS.
You'll never guess which platform is costing me money so far !
|
|
jimbob
Member of DD Central
Posts: 317
Likes: 74
|
Lending Crowd
Loanbook
Nov 12, 2015 10:58:17 GMT
Post by jimbob on Nov 12, 2015 10:58:17 GMT
V**** I******* landed. P** landed - Little Creditors maintains the 100% record. Meanwhile over at the Flatulent chicken... Moar for the Little Capitalist auction market please
|
|
jimbob
Member of DD Central
Posts: 317
Likes: 74
|
Post by jimbob on Nov 11, 2015 12:32:03 GMT
Is this tranche pari passu with the first, or does that one take priority ?
|
|
jimbob
Member of DD Central
Posts: 317
Likes: 74
|
Post by jimbob on Nov 11, 2015 11:58:05 GMT
Today means this current day, and tommorow means the next day in the p2p world.
|
|
jimbob
Member of DD Central
Posts: 317
Likes: 74
|
Post by jimbob on Nov 11, 2015 10:02:52 GMT
|
|
jimbob
Member of DD Central
Posts: 317
Likes: 74
|
Post by jimbob on Nov 10, 2015 13:11:53 GMT
Have you e-mailed them (again, yes, yes I know), I've found them to be most courteous in their responses... although my intial withdrawal did take a while.
Thanks,
Jimbob
|
|
jimbob
Member of DD Central
Posts: 317
Likes: 74
|
Lending Crowd
Loanbook
Nov 10, 2015 11:31:28 GMT
Post by jimbob on Nov 10, 2015 11:31:28 GMT
Silence is golden, S****** S********* will see...
|
|
jimbob
Member of DD Central
Posts: 317
Likes: 74
|
Post by jimbob on Nov 9, 2015 17:43:00 GMT
Wot, isn't it even secured against the asset it is supposed to buy?! I guess this is a new departure for Family Cruises!! Well the loan is unsecured, so this means the interest rate is lower than it would be if secured against the yacht say with FS, SS or MT. Why take 12 or 13% secured when you can have 8.5% unsecured ?
|
|
jimbob
Member of DD Central
Posts: 317
Likes: 74
|
Post by jimbob on Nov 9, 2015 17:05:45 GMT
18 out of 22 available loans are A+ Fidding Attributions never used to have this ratio of A+ loans in the old days. Wonderful. I wonder how they have managed this change of offering. (Smirk) I never realised the unsecured retail sector was such a platinum AAA investment.
|
|
jimbob
Member of DD Central
Posts: 317
Likes: 74
|
Post by jimbob on Nov 9, 2015 16:33:41 GMT
I'll laugh if an Aston Martin DB9 suddenly appears on FundingSecure or Moneything
|
|
jimbob
Member of DD Central
Posts: 317
Likes: 74
|
Post by jimbob on Nov 9, 2015 16:24:30 GMT
14918 seems to fit the bill If this is a recent one that is live or barely finished I can't find it on the loan list. Sent you a PM with the guff.
|
|
jimbob
Member of DD Central
Posts: 317
Likes: 74
|
Post by jimbob on Nov 9, 2015 16:11:34 GMT
What was I thinking ?
Was I thinking !?
|
|