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  • RMJH's Avatar
    16-11-2018, 05:19 AM
    RMJH replied to a thread Harmoney in Peer to Peer (P2P) Companies
    Funnily enough I have just put some more cash in for the first time in 18 months as I managed finally to get the balance to zero. I check a few times...
    4038 replies | 495057 view(s)
  • RMJH's Avatar
    14-11-2018, 07:25 AM
    RMJH replied to a thread Harmoney in Peer to Peer (P2P) Companies
    Bit of a worry that the system didn't catch it later though. Makes me wonder what they actually do to check application details...
    4038 replies | 495057 view(s)
  • RMJH's Avatar
    13-11-2018, 09:00 AM
    RMJH replied to a thread Harmoney in Peer to Peer (P2P) Companies
    FFS, and my filters didn't catch it! D5?! Maybe there were extenuating circumstances or maybe not! High time we had a filter for defaults.
    4038 replies | 495057 view(s)
  • RMJH's Avatar
    09-11-2018, 11:30 AM
    RMJH replied to a thread Harmoney in Peer to Peer (P2P) Companies
    Hardly impartial. They won't be getting a single cent of my money!
    4038 replies | 495057 view(s)
  • RMJH's Avatar
    07-11-2018, 03:04 PM
    If there was a downturn and default rates, say, doubled or even tripled I suspect that P2P might well fare better than shares or property in the same...
    984 replies | 89134 view(s)
  • RMJH's Avatar
    06-11-2018, 05:41 AM
    RMJH replied to a thread Harmoney in Peer to Peer (P2P) Companies
    My account balance has gone negative all on its own. How does that happen?
    4038 replies | 495057 view(s)
  • RMJH's Avatar
    05-11-2018, 12:23 PM
    RMJH replied to a thread Harmoney in Peer to Peer (P2P) Companies
    They shopped around and 20 other lenders said NO or wanted higher interest?!!
    4038 replies | 495057 view(s)
  • RMJH's Avatar
    02-11-2018, 02:38 PM
    Clearly the ban on auto trading has had negligible impact. LC is waste of time as it is impossible to build a properly diversified portfolio unless...
    984 replies | 89134 view(s)
  • RMJH's Avatar
    02-11-2018, 06:32 AM
    RMJH replied to a thread Harmoney in Peer to Peer (P2P) Companies
    Rewrite with large payment protect fee....
    4038 replies | 495057 view(s)
  • RMJH's Avatar
    25-10-2018, 03:50 PM
    RMJH replied to a thread Harmoney in Peer to Peer (P2P) Companies
    Forgot to say, I think the remainder of the original cohort will become a bit more risky with these early repayments as they are prior to the default...
    4038 replies | 495057 view(s)
  • RMJH's Avatar
    25-10-2018, 03:45 PM
    RMJH replied to a thread Harmoney in Peer to Peer (P2P) Companies
    Under the original fee structure, early repayment hurt. Not so much now but there is still a re-investment lag. Just to confirm. Your figures...
    4038 replies | 495057 view(s)
  • RMJH's Avatar
    23-10-2018, 08:19 AM
    RMJH replied to a thread Harmoney in Peer to Peer (P2P) Companies
    I'd agree but the interest charged is somewhat significantly different.. Possibly just statistical noise or bias in our sample. I won't be changing...
    4038 replies | 495057 view(s)
  • RMJH's Avatar
    22-10-2018, 06:11 PM
    RMJH replied to a thread Harmoney in Peer to Peer (P2P) Companies
    Thanks Myles. Doesn't it also occur in D's and F's? I wonder if bumping up is used as a sweetener by the sales force.
    4038 replies | 495057 view(s)
  • RMJH's Avatar
    20-10-2018, 07:30 AM
    RMJH replied to a thread Harmoney in Peer to Peer (P2P) Companies
    Big thank you Leesal (and Myles). Given the picking skills of some of those in our data group there could be bias in the sample but that said your...
    4038 replies | 495057 view(s)
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