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Thread: Harmoney

  1. #3401
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    Quote Originally Posted by leesal View Post
    From experience I'd say just different "Categories" of credit control

    Borrowers are able to vary the terms if they suffer "unforseen financial hardship" through a formal application. HM would also no doubt vary terms on a case-to-case basis as part of their collection process.

    Therefore I'd read "Current (61-90)" - to mean that collections have been renegotiated, so borrower is on track with payments, but from a lender perspective client remains 2 months behind.
    1) if its been renegotiated in some way we should know.. perhaps a status of "credit control" or "impaired" or "under supervision"
    2) last payment April.. if they've renegotiated for a temporary reduction in payments there should at least one smaller payment more recently than April.

  2. #3402
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    Over the past 2 years I've queried quite a number of loans recorded as current but actually in arrears by my reckoning and every time the response has been to change the status to in arrears. There is definitely a problem with recording of status.

  3. #3403
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    MARKET STAT UPDATE:

    -Autolend graph in market stats now confirms the recent rapid decline on matches and funding using this feature
    -Retail Vs Institutional funding graph also shows a recent spike in loan % being given to wholesale sector. Currently sitting at 85% where as previous it had averaged 75%

    Looks like its slim picking for future Autolend matches until the market improves significantly or Harmoney edit the lending % ratio away from Wholesale sector.

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    Last edited by whitt; 14-06-2018 at 03:08 PM.

  4. #3404
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    This is ridiculous, there are just no loans available?

  5. #3405
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    Quote Originally Posted by johna View Post
    This is ridiculous, there are just no loans available?
    I haven't had a single auto lend loan purchased for over a month, and at all times I have had 2k-3k+ sitting idle

    But there is really odd stuff happening

    Eg Today there were 2 loans on the market place both of which matched my auto lend rules perfectly - and searching with my auto lend filter confirmed this, But auto lend did not invest

    I then Manually invested in both LAI*00131746 & LAI*00131744 - The loans then sat on the market place for several hours before they were filled.

    It seems like a case of there are not enough loans - and at the same time not enough investors( to fill a loan while investors suitably diversify / fractionalize )

    LAI*00131744 D5 26.49% 60 2.6% $24,125 Business Cash Flow
    LAI*00131746 C3 21.9% 60 0.56% $40,450 Debt Consolidation

  6. #3406
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    Quote Originally Posted by humvee View Post
    I haven't had a single auto lend loan purchased for over a month, and at all times I have had 2k-3k+ sitting idle

    But there is really odd stuff happening

    Eg Today there were 2 loans on the market place both of which matched my auto lend rules perfectly - and searching with my auto lend filter confirmed this, But auto lend did not invest

    I then Manually invested in both LAI*00131746 & LAI*00131744 - The loans then sat on the market place for several hours before they were filled.

    It seems like a case of there are not enough loans - and at the same time not enough investors( to fill a loan while investors suitably diversify / fractionalize )

    LAI*00131744 D5 26.49% 60 2.6% $24,125 Business Cash Flow
    LAI*00131746 C3 21.9% 60 0.56% $40,450 Debt Consolidation
    That's curious! What time were they on the marketplace? I've logged on several times today and never seen a loan available at all.

  7. #3407
    yeah, nah
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    Market place summary fixed perhaps:

    Activity LAST 24 HRS
    7 NEW LOANS $190,000 FULLY FUNDED LOAN AMOUNT

  8. #3408
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    Quote Originally Posted by johna View Post
    That's curious! What time were they on the marketplace? I've logged on several times today and never seen a loan available at all.
    Not sure exact time - Mid morning

  9. #3409
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    Quote Originally Posted by humvee View Post
    Not sure exact time - Mid morning
    There is another there at the moment -
    LAI*00131775 - doesnt meet my requirements though - judging by the fact it only has 13 days left I would say it has been there since some time last night


  10. #3410
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    Quote Originally Posted by myles View Post
    Market place summary fixed perhaps:

    Activity LAST 24 HRS
    7 NEW LOANS $190,000 FULLY FUNDED LOAN AMOUNT
    Maybe they found a way to split the markets?!

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