Harmoney

**alundracloud** · 11-11-2019, 10:51 AM

There will be a delay between a customer registering interest in a loan, completing the application (when the ID will be assigned), and then deciding on whether or not to accept the T&C's, interest rate etc., before it hits the marketplace.

Depending on the applicant, it may well be that the applications for the riskier loans were completed with a faster turnaround.

**Saamee** · 12-11-2019, 01:25 PM

Anyone else having trouble Loggin into Harmoney @ 13:24??

Keep getting Logged out as though you had never Logged in!!

**Saamee** · 12-11-2019, 06:14 PM

Originally Posted by Saamee

Anyone else having trouble Loggin into Harmoney @ 13:24??

Keep getting Logged out as though you had never Logged in!!

Still unable to access Harmoney Website via Mobile or Laptop!!

**ream** · 12-11-2019, 06:24 PM

Mine was OK earlier and just now (in browser). Notice that they have a message up about going offline tomorrow night for maintenance. Maybe it's necessary maintenance for a bug that's stopping some people logging in sometimes? It did happen to me recently as well but resolved itself within the day.

**Saamee** · 12-11-2019, 06:57 PM

Originally Posted by ream

Mine was OK earlier and just now (in browser). Notice that they have a message up about going offline tomorrow night for maintenance. Maybe it's necessary maintenance for a bug that's stopping some people logging in sometimes? It did happen to me recently as well but resolved itself within the day.

Just accessed Harmoney but via Microsoft Edge Browser - Chrome still No Go from Laptop or Mobile...

**Toukshare** · 13-11-2019, 09:14 AM

It's fine this morning (via laptop Chrome too)
They say there will be maintenance at 10:30pm tonight (Wednesday), so not accessible then.

By the way, after 3 months in, I finally got a RAR (9.12%)
I personally calculate my XIRR at 9.45%

HM main1 20191113.JPG

Attachment 10841

Account is very young (3 months) so no official charge off or write off yet although I see 2 of my loans haven't paid anything for 2 months - so I am sure they are candidate for a write-off. We'll see.

**johna** · 13-11-2019, 11:21 AM

i stopped investing in grade A loans, they seem to all pay below my average RAR - so even if they pay perfectly they still drag the average return down, and that's without the odd one that defaults.