ali
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Post by ali on Sept 16, 2017 12:10:39 GMT
Yes, we have to have somewhere to keep the rubber gloves and wellies when we are off duty (days with a Q in them). There are very strict rules about photo's on the inside of the locker doors though. You get the day off on the Queen's birthday? You lucky things
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ali
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Post by ali on Sept 16, 2017 8:32:28 GMT
Pictures from this morning (2017-09-16):
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ali
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Post by ali on Sept 13, 2017 20:02:06 GMT
Please excuse me being pedantic here (as I agree with your sentiments entirely), but it might help people looking at the background here to know that the borrowing company has a single director / shareholder, and that person is female. She is also the sole director / shareholder of a construction company, and has filed for that company on occaisons under her married name (the main companies house record is presumably in her maiden name). This may be old news, sorry for repeating it if its widely known, but at least some of contractors working (or not as the case may be) on the site may well be from the connected company. Indeed. However, FS always refer to the borrower in their updates as male. This has always struck me as surprising.
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ali
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Post by ali on Sept 12, 2017 6:52:49 GMT
No emails at all yesterday... including nothing for cash deposited. Did anyone get an email on any topic, random or otherwise on Monday? Yes, I had one loan repaid (2DFDC3C1C), one random (2DFDC3C2C) and one non-random (2DFDC3CBA).
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ali
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Post by ali on Sept 8, 2017 17:22:00 GMT
Thank you again for the timely update MoneyThing - can't speak for others but I'd be delighted with a quick-ish ~capital recovery (if possible). I'd be quite happy with that, yes. Mind you, I'd be even happier for a slow recovery of capital and interest, but I suspect prudence would favour the certainty of losing a little interest soon rather than holding out in the hope of recovering more later.
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ali
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Post by ali on Sept 8, 2017 14:32:24 GMT
The More P2x Sites menu item doesn't really work for me (I can only see the top half so I have to go to the More P2x Sites page and then click on the sub-board I want). Would you consider changing this somehow. Perhaps split it into two (or more) menus so that you have eg., More P2x Sites (A-L) and More P2x Sites (M-Z) menus or add another layer or menus so you have eg., P2P Independent Forum -> P2x sites -> More P2x Sites -> A-H -> CrowdProperty. Or perhaps more drastically have P2P Independent Forum -> Major P2x Sites and P2P Independent Forum -> Minor P2x Sites -> A-H -> CrowdProperty. Can you give us a clue as to what browser / os you use, and what screen resolution you use ? Sure. Firefox/CentOS 6 at 1440x900. Thanks for considering this.
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ali
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Post by ali on Sept 8, 2017 11:59:56 GMT
The More P2x Sites menu item doesn't really work for me (I can only see the top half so I have to go to the More P2x Sites page and then click on the sub-board I want). Would you consider changing this somehow. Perhaps split it into two (or more) menus so that you have eg., More P2x Sites (A-L) and More P2x Sites (M-Z) menus or add another layer or menus so you have eg., P2P Independent Forum -> P2x sites -> More P2x Sites -> A-H -> CrowdProperty. Or perhaps more drastically have P2P Independent Forum -> Major P2x Sites and P2P Independent Forum -> Minor P2x Sites -> A-H -> CrowdProperty.
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ali
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Post by ali on Sept 7, 2017 19:11:13 GMT
I am sure I recognise this house - was it on Grand Designs or similar ? I note even the agent says there is audible noise from the M23! However has anybody any idea what the "structural adjustments" actually refer to. If this is the house I think it is then it was built on marsh ground by an amateur - good for him but I am in this business and such projects are not to be under-estimated. I wonder if the house is subsiding or whatever and repairing that won't be cheap! This could be why the last sale fell through and the seller is going to the very high expense of FS (over 30%?) rather than a building society - in fact the property looks "cheap" to me, I can easily borrow money against my properties at under 4% .... Thanks to this forum informing me about problems with disputed valuations etc (e.g. K********h) I am very careful when I invest in FS property I can't find this house on Zoopla - I just hope there is not a major problem here and nobody regrets pouring large sums of money into this one.... It was a barn conversion, so I'd be pretty surprised if any farmer built it on marsh ground. The "structural adjustments" refer to the lifting of the barn (see planning applications for details). I believe this is visible in the photos as the low brick wall on which the wooden structure is now sitting. The property was listed on Rightmove but was withdrawn when the previous sale was on. As FS state, it is not yet back on the market.
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ali
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MoneyThing (MT) in Administration
(MTAZ) Cars
Sept 6, 2017 10:30:21 GMT
Post by ali on Sept 6, 2017 10:30:21 GMT
Did anybody else receive it sent to "Hello <<Test First Name>>"? Yes. I thought it was an improvement. I get fed up with people thinking they are clever by using my first name like this (which I never use in real life).
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ali
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Post by ali on Sept 5, 2017 11:08:34 GMT
It seems with these latest changes Unbolted has become a completely hands off platform, I think this will make it fairer for everyone (I say this as someone who got invested into a number of the smaller loans but I think fairness is important) It will be interesting to see if this is the case. I'm certainly not going to set an autolend level for the business loans so there may still be an element of manual investing in this type of loan if there are enough people like me. If not, my investment total will obviously drop, but that's life.
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ali
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Post by ali on Sept 4, 2017 18:49:20 GMT
Yeah, not filling very fast is it?(!) ...I can see this one being bumped up to 14% in the next day or so. It's fair to say that there's far more appetite for "bling" than for property on COL I would imagine (hope) that most people are still doing their DD on it. I certainly am. There's no advantage in rushing into this kind of loan.
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ali
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Post by ali on Sept 4, 2017 16:26:10 GMT
Can you also please clarify the effects of splitting the loan into four as regards cashback? Ie., will the four loans be aggregated internally for the purposes of calculating cashback?
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ali
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Post by ali on Sept 2, 2017 6:19:27 GMT
yay! more interest tomorrow Not in this, is interest retained or payable by borrower at weekend? 6m retained.
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ali
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Post by ali on Sept 1, 2017 17:27:09 GMT
Do you get an email when fully invested? Just wondered, it would be useful to be alerted so you can add more funds. If you have the daily summary enabled, that contains your account balance at the end of the day. Too late to make a deposit for tomorrow, mind you.
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ali
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Post by ali on Sept 1, 2017 10:22:32 GMT
Loan Portfolio -> View Full Transaction History (sadly you can't download, although you can view all transactions on a single page) At the bottom of your Investor Home page, there's an option to download all your investments. At the end of each loan's 6-month term (unless the loan repays early) Thanks for this. So I've just gone to the transaction bit and here is an edit of my transactions for just one loan Aug 30, 2017 Repayment of Loan 2DFDC39A7 £19.13 Aug 29, 2017 Repayment of Loan 2DFDC39A7 £30.42 Aug 21, 2017 Repayment of Loan 2DFDC39A7 £158.66 Aug 3, 2017 Loan Bought 2DFDC39A7 -£300.00 Aug 3, 2017 Loan Bought 2DFDC39A7 -£100.00 Aug 2, 2017 Loan Bought 2DFDC39A7 -£100.00 Could anyone explain this? I put in £500 over several days, it then pays back over the space of a week, but it does not add up to £500 and is there normally a line item for interest? Very confusing! If you go to the loan page for 2DFDC39A7 you will see the three repayments that the borrower has made and how it has been allocated. But yes, it can be confusing.
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