ashtondav
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Post by ashtondav on Sept 24, 2018 7:44:40 GMT
I'm not so sure, according to a hieroglyphic from Pyramid house you were replaced by Osiris as CEO of the dead. It would seem you are currently a sort of orderly merely responsible for doing a bit of bandaging. Osiris would just be a pile of dust if I had not embalmed him after he was killed and helped Isis bring him back to life.
He was my daddy who I made a mummy (not in a LBGTQ way).
I am “conductor of souls”. The worship of me was an ancient one - it was probably even older than the worship of Osiris. In the pyramid texts of Unas, my role was already very clear. Don’t suppose you can the sort the power boat and art borrowers can you?
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ashtondav
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Post by ashtondav on Sept 23, 2018 10:40:18 GMT
Is there any FS punter left who hasn’t written this loan off completely?
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ashtondav
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Post by ashtondav on Sept 20, 2018 11:36:21 GMT
BIG THANKS for posting the link. I still have the Ratesetter 2014 drinks invite in London logged in my email account, sent Friday, 25th April 2014 at 5:50pm. As well as the emails for drink invitations in Birmingham, sent on Monday, 8th Sept. 2014, at 5:01pm and ALSO on Wednesday, 24th September 2014 at 4pm. I DIDN’T attend either the London ‘bash’ or the Birmingham ‘bash’, but it is rumoured that FREE Ratesetter mugs were distributed. Heady days indeed!! Jlend, regarding your point, “I assume they did this rather than emailing tens of thousands of lenders to target people who read the forum” Perhaps Ratesetter ONLY had eight mugs left to give out at the London Q&A ‘Bash’? FURTHER, with regards to these two comments, from two other posters; A shorter period would surely achieve the objective. Imagine yourself in the position of having an existing Rolling investment at 3%, and you notice that the market is currently matching at 4%. Without a ban, there is little to stop you from selling and immediately reinvesting. But ask yourself: how certain am I that in N days time rates will not have dropped back down to 3%, or lower? Given how quickly rates can change, I suspect even a ban of 2 or 3 days (long enough to exceed a weekend) would probably be a enough of a deterrent. At some point LAST NIGHT (Wednesday, 19th September 2018) and/or in the EARLY hours of THIS morning (Thursday, 20th September 2018), the FIVE year rate went to 6.5%. Yep, I’m quaffing the Bollinger right now. 6.5% plus a PF - screamingly good stuff, RS.
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ashtondav
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Post by ashtondav on Sept 20, 2018 11:34:25 GMT
So a few cherry picked people went along to a meeting, nobody took notes or minutes and not a critical word was said by anyone, it was simply the land of milk and honey. Oh really? Perhaps next time real people could attend with prepared and sometimes difficult questions, take minutes and name names. That's what should have happened if it had been done professionally. This farce needs to be consigned to the bull propaganda bin ASAP. So why didn’t you go. They didn’t vet for vitriol!
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ashtondav
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Post by ashtondav on Sept 20, 2018 6:37:11 GMT
It is now. Will it get to 6.6%? Dunno, happy to hoover up a few k at 6.5%. All that dumb money at 4% in isa season...
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ashtondav
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Post by ashtondav on Sept 19, 2018 8:58:52 GMT
Word on the street (or more accurately an update on the platform) suggests one of the long overdue loans is due to repay this very day. Full capital repayment and a proportion of the penalty interest. In other news, The building named after the Queens daughters title in Liverpool is almost certainly (maybe possibly) going to repay next month. Your info was correct. A fruity arboreal mansion has repaid today. No communication from FC to long-suffering investors of course. Cash already en route out of FC. Just the Liverpool property and the celebrated London loan left on my books, the latter being a write-off as far as I'm concerned. Well under £10k languishing with FC now: it was once well into 6 figures.s Always on the lookout for golden eggs. Where did you go for the greener p2p grass?
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ashtondav
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Post by ashtondav on Sept 16, 2018 15:22:48 GMT
If you’ve been selling you are left with all the that can’t be sold, obviously!. If you were only active for a few months your returns will be abnormal. You will only see average returns if you invest in probably 600 to 800 loans, for at least five years, reinvest repayments and certainly not selling anything. Otherwise all bets are off. After one year following that kind of investment my “quoted” post bad debt return (equivalent to your 3.5%) on the dashboard is 6.7%. I do realise the dashboard potentially over estimates returns.
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ashtondav
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Post by ashtondav on Sept 16, 2018 7:44:31 GMT
Now 6.3%, not sure why anyone, except for laziness, lends on the 5 year during the week as it’s always higher at the weekend? Obviously too many lazy people around. Month end better still!
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ashtondav
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Post by ashtondav on Sept 15, 2018 17:11:47 GMT
Agreed. Been with Zopa 13 years and always got the expected return. At one time I had £70,000 invested but now down to £30k with the balance in RS, FC and LW. With no safety net (provision fund) rates are just too low on big Z, so withdrawing repayments.
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ashtondav
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Post by ashtondav on Sept 15, 2018 14:08:57 GMT
Didn’t want to be greedy so hoovered up several k at 6.2%. Hoping for higher at month end, though.
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ashtondav
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Post by ashtondav on Sept 15, 2018 8:37:35 GMT
Increase is great for Zopa fans who have new money for their new rates, it is kinda pointless when reinvestment is already turned off.Err, of course. You do have to lend to get the new rates.
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ashtondav
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Post by ashtondav on Sept 15, 2018 8:20:40 GMT
Are there not other “adjustments”?
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ashtondav
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Post by ashtondav on Sept 14, 2018 20:12:21 GMT
Surely new thread: highest rate September!?!?....
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ashtondav
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Post by ashtondav on Sept 14, 2018 16:39:38 GMT
I’ve been with big Z since 2005. But to be honest, although their size is a comfort, I can’t see why I wouldn’t go for RS at 6% with a provision fund.
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ashtondav
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Post by ashtondav on Sept 14, 2018 12:35:03 GMT
I’ve now cleared cookies and history on the iPad but the problem remains - no access. Just a redirect to the login page. Needless tosay no email from RS...
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