Greenwood2
Member of DD Central
Posts: 4,252
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Post by Greenwood2 on Dec 12, 2023 13:16:00 GMT
Disappeared for me too. I had pledged funds and can see that on my investments, pending pay in, not sure whether to send anything or not, it may go into a black hole. I think I'll wait and see if I get an invite. Well, my investment has been confirmed! I'm not sure whether I inadvertently jumped the gun (and the queue) although I still can't see the proposal. Probably safe to make your investment if it's showing as pending. I'll leave it until a bit later in the day to see what happens. I guess at worst it will just end up as funds in my account if the loan has been pulled or delayed. But it's nice to know some people's funds have been successfully credited to the loan
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Post by Ace on Dec 13, 2023 13:08:32 GMT
"Early" notification has now gone out, with the offer 93% filled. General notification will probably go out tomorrow, though there's unlikely to be any left by then. Still no mention of the new rate definition.
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Greenwood2
Member of DD Central
Posts: 4,252
Likes: 2,695
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Post by Greenwood2 on Dec 13, 2023 13:52:49 GMT
"Early" notification has now gone out, with the offer 93% filled. General notification will probably go out tomorrow, though there's unlikely to be any left by then. Still no mention of the new rate definition. Have you asked about it? I have had zero success with getting replies to queries from Q, although things on my account have been changed possibly as a result of a query. This will also totally screw up my nice simple spreadsheet! Major re-design required.
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Post by Ace on Dec 13, 2023 14:24:46 GMT
"Early" notification has now gone out, with the offer 93% filled. General notification will probably go out tomorrow, though there's unlikely to be any left by then. Still no mention of the new rate definition. Have you asked about it? I have had zero success with getting replies to queries from Q, although things on my account have been changed possibly as a result of a query. This will also totally screw up my nice simple spreadsheet! Major re-design required. No, I haven't asked them. There didn't seem much point, as it was obvious from the repayment schedule that they had switched their definition of "Projected net return per year" to XIRR. Unfortunately, our esteemed regulator doesn't put any requirements on how the rates are defined, so they can do whatever they want. I've had the fight with the FCA and FOS over Kuflink's overstated rates, and appear to have lost due to the fact that there are no rules. Not that they even bothered to give me the courtesy of saying so. At least Q aren't overstating their returns. It's just that they've been understating them until now by a factor of 2. Yes, my spreadsheet will need some work too. I may not bother, as I'll be lending much less on Q in future if this is the new normal. I saw their loans as excellent value at 20%+ XIRR, but I'm less keen on unsecured business loans at half those rates. I can easily get those rates on second charge property loans with platforms that I trust. I'll still keep lending on Q as their loans have been good for me so far, just at a lower level.
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Post by Ace on Dec 13, 2023 14:26:06 GMT
The loan now seems to be 104% full!
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Greenwood2
Member of DD Central
Posts: 4,252
Likes: 2,695
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Post by Greenwood2 on Dec 13, 2023 14:29:33 GMT
The loan now seems to be 104% full! I still can't see it, but seem to have successfully contributed to it having caught the preview!
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firedog
Member of DD Central
Posts: 312
Likes: 392
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Post by firedog on Dec 13, 2023 15:20:18 GMT
I just got the 'exclusive access' email from Qardus highlighting the latest opportunity.
They didn't explain the access was so exclusive that it's already 104% funded and the offer is closed.
Thanks.
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billt
Posts: 97
Likes: 68
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Post by billt on Dec 13, 2023 16:15:02 GMT
Same for me, seems a bit of a shambles, maybe another site to cross off my decreasing list.
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firedog
Member of DD Central
Posts: 312
Likes: 392
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Post by firedog on Feb 24, 2024 10:23:36 GMT
The housing provider is back for a third bite of the cherry. 11.34% if anyone's interested.
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mcfc
Iām invested in Qardus, Loanpad, Proplend, and Crowproperty
Posts: 91
Likes: 62
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Post by mcfc on Feb 24, 2024 11:02:06 GMT
The housing provider is back for a third bite of the cherry. 11.34% if anyone's interested. Thanks, just had a small bite of the pie šš¼
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dave4
Member of DD Central
Cynical is a hobby not a lifestyle
Posts: 1,022
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Post by dave4 on Feb 26, 2024 16:41:52 GMT
Plenty left
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firedog
Member of DD Central
Posts: 312
Likes: 392
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Post by firedog on Apr 26, 2024 11:13:55 GMT
I've had a couple of full repayments this morning - which is nice in a way, but hopefully not just Q taking umbrage at my responses to their recent survey!
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jonno
Member of DD Central
nil satis nisi optimum
Posts: 2,745
Likes: 3,138
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Post by jonno on Apr 26, 2024 11:23:04 GMT
I've had a couple of full repayments this morning - which is nice in a way, but hopefully n ot just Q taking umbrage at my responses to their recent survey! Well I've had one........... E****ss M**s. What was your other one?
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firedog
Member of DD Central
Posts: 312
Likes: 392
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Post by firedog on Apr 26, 2024 11:27:07 GMT
I've had a couple of full repayments this morning - which is nice in a way, but hopefully n ot just Q taking umbrage at my responses to their recent survey! Well I've had one........... E****ss M**s. What was your other one? S**** E*** Prop****
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jonno
Member of DD Central
nil satis nisi optimum
Posts: 2,745
Likes: 3,138
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Post by jonno on Apr 26, 2024 11:37:47 GMT
Well I've had one........... E****ss M**s. What was your other one? S**** E*** Prop**** Ok....I haven't got that investment. I don't think you're being targeted
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