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Thread: Harmoney

  1. #4331
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    Another 7% by number and 6% by $ of my loans repaid in the June month. Most were written between November18 and January 19. It seems Harmony is still targeting existing borrowers for rewrites. I've now had to pull out 61% of my original cash deposits because there just aren't the volume of loans meeting my criteria.

  2. #4332
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    Quote Originally Posted by BJ1 View Post
    I've now had to pull out 61% of my original cash deposits because there just aren't the volume of loans meeting my criteria.
    My withdrawals are still rising too, similar reasons, now over 35%. Tick, tock, tick, tock, tick, tock ...

  3. #4333
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    Has anyone had Loan 000112841 Charged Off?- There is no charge-off date.

  4. #4334
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    Quote Originally Posted by permutation View Post
    Has anyone had Loan 000112841 Charged Off?- There is no charge-off date.
    Yes, I had that one. Not pretty!! $50 invested, 0.45c Principal paid. $14.59 Interest, $2.55 Fees. I don't see any charge off date. Also, first time going back over loans for some months and concerned at the increase in arrears.
    Soolaimon

  5. #4335
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    Quote Originally Posted by Soolaimon View Post
    Yes, I had that one. Not pretty!! $50 invested, 0.45c Principal paid. $14.59 Interest, $2.55 Fees. I don't see any charge off date. Also, first time going back over loans for some months and concerned at the increase in arrears.
    Also LAI-00133080 - Charged Off (121-180). No date

    Capture.JPG

  6. #4336
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    Anyone invested in LN LAI-00153997?

    This loan has gone from never being in arrears to 121-180 days in arrears overnight and all the repayments that have been made until now have been reversed.
    Last edited by Paddles; 23-07-2019 at 11:21 AM.

  7. #4337
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    Quote Originally Posted by Paddles View Post
    Anyone invested in LN LAI-00153997?

    This loan has gone from never being in arrears to 121-180 days in arrears overnight and all the repayments that have been made until now have been reversed.
    I've got that loan.Good spot on the payments. This is my downloaded info from last friday. Might pay to ask HM about it.

    Loan note Date Status Time in arrears (days) Grade Interest rate Outstanding principal Interest earned Term (months) Payments remaining You invested Payment due Total Loan Amount Last Payment Date Last Payment Amount Payments to Date Principal Gross Int Paid Service / Lender Fee
    LAI-00153997 01/02/2019 Current 121-180 B3 15.8 22.96 1.6 60 60 25 01/08/2019 41200 04/07/2019 0.02 3.64 2.04 1.6 0.32

    LOAN DETAILS | BORROWER DETAILS

    • TOTAL LOAN AMOUNT:$41,200.00
    • MAXIMUM TERM:60 months

    RECEIVED PAYMENTS

    • LAST PAYMENT DATE:Jul 17, 2019
    • LAST PAYMENT AMOUNT:$0.15
    • PAYMENTS TO DATE:$0.26
    • PRINCIPAL:$0.00
    • GROSS INT. PAID:$0.26

    LENDER FEES



    • SERVICE / LENDER FEE:$0.05

  8. #4338
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    Quote Originally Posted by leesal View Post
    I've got that loan.Good spot on the payments. This is my downloaded info from last friday. Might pay to ask HM about it.

    Loan note Date Status Time in arrears (days) Grade Interest rate Outstanding principal Interest earned Term (months) Payments remaining You invested Payment due Total Loan Amount Last Payment Date Last Payment Amount Payments to Date Principal Gross Int Paid Service / Lender Fee
    LAI-00153997 01/02/2019 Current 121-180 B3 15.8 22.96 1.6 60 60 25 01/08/2019 41200 04/07/2019 0.02 3.64 2.04 1.6 0.32

    LOAN DETAILS | BORROWER DETAILS

    • TOTAL LOAN AMOUNT:$41,200.00
    • MAXIMUM TERM:60 months

    RECEIVED PAYMENTS


    • LAST PAYMENT DATE:Jul 17, 2019
    • LAST PAYMENT AMOUNT:$0.15
    • PAYMENTS TO DATE:$0.26
    • PRINCIPAL:$0.00
    • GROSS INT. PAID:$0.26

    LENDER FEES


    • SERVICE / LENDER FEE:$0.05
    This is the response I've received from Harmony.
    So the dashboard is not a true reflection on the status of your loans. What a joke!

    Harmony.JPG

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  10. #4340
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    On the 2nd July, I had almost exactly the same response for a different question from a different lending officer about arrears not showing. It would seem that this is a standard response, and not a lot of thought has gone into this.

    It clearly cannot be a simple matter of the "back end" not knowing what the "front end" is doing - or visa versa, I can accept that something might not have been updated, but to have interest posted many times and then reversed out months later would seem to be much more serious.

    I also have this loan and have emailed my own question to Harmoney. I do think we deserve a better response than the one received.

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