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Messages - Kombinator

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Investors - LC / End of Month bulk Charge Off pattern: Why?
« on: November 01, 2016, 01:22:54 PM »
It seems that few months ago LC has implemented a charge off policy where the loans are mostly charged off at the end of the month, as opposed to normal as they come pattern.  Has anyone else noticed this, and any thoughts on why they are doing it? Also, it seems that the bulk charge off catches loans that are not in default status but ranges even into 16-30 days late...pretty frustrating in estimating returns and CF...

Foliofn - LC / New Folio API: Thoughts, comments etc?
« on: November 04, 2015, 02:53:11 PM »
Apparently there is a new API that allows to automate Folio directly

Has anyone taken a look at it yet, and any thoughts about usability, features, issues etc?

Investors - LC / Re: Updates to your Lending Club data
« on: October 07, 2015, 06:00:48 PM »
Interesting, these are de facto safer as both are separately and jointly liable for the loan...interesting to see if the joint means jst family members, or in fact allow for other cosigners?

Investors - LC / Re: Updates to your Lending Club data
« on: September 27, 2015, 09:37:44 PM »
So what are the 4 new columns / fields they are adding?

Investors - LC / Re: Banks Entering P2P Lending
« on: July 24, 2015, 10:12:50 AM »
Interesting, would like to now this too

General P2P Lending Discussion / Re: Bondora?
« on: July 24, 2015, 10:08:40 AM »
Fred, interesting, thanks for sharing, would love to hear how it goes for you.  BTW, on the subject of gettign a European EURO denominated account, once yu do, if you could share the hoops to jump through would be much appreciated.

Investors - P / Re: No 12 PM release on Prosper today?
« on: May 14, 2015, 02:05:48 PM »
OK, I see what it was, it was release very heavy on low yielding loans, my filters did not return any loans over a yield threshold.  Thanks Anil, appreciate it.

Investors - P / No 12 PM release on Prosper today?
« on: May 14, 2015, 01:17:43 PM »
Seems Prosper decided to skip the noon release without any notice...anyone know what the story is?

Investors - P / Re: Prosper API Changes
« on: May 14, 2015, 09:43:16 AM »
1.      The LoanNumber field from the ‘ListingsHistorical’ end point will be removed

2.      The ListingNumber field from the ‘Loans’ end point will be removed

Tell me if I'm missing something here...  This means that we can't tie loans (and their performance) to listings (which contain the credit variables) or the other way around.  This means we can no longer do any historical analysis of credit variables?

It seems that Prosper doesn't want people doing analysis and making choices.  I recently got a note from P that said if I wanted access to whole loans I had to agree to buy A and AA loans in proportion to their availability.  What?  Before we let you buy our oranges you have to agree to buy our apples?

I have had the discussion with Prosper on whole loans several times, before they used to say they will let us do it if we commit to buy 15% of our volume in A and AA.  If they are changing that requirement to "proportion of their availability" that is even more annoying.  Guess this is something that has to be done if you need volume and willing to take a strong yield hit by placing 15% of your portfolio in low yielding instruments.

That is actually excellent news, I look forward to being able to start buying small business loans via LC when they make this available, this is a great channel for it.

Yep, saw this feature, not quite sure how useful this is or what to do with it yet...any thoughts?

Foliofn - LC / Re: Folio Scanner Software
« on: April 20, 2015, 10:14:44 AM »
I don't think Folio has an API per se, you have to go in via the web page emulator type deal.

If you find that they have one please do share, would certainly be a better way.

General P2P Lending Discussion / Re: Luxembourg notes
« on: April 20, 2015, 10:11:48 AM »
This is interesting, and a good development, would love to get more info on the note as well, would be interesting to follow this

Foliofn - LC / Re: Folio Scanner Software
« on: April 17, 2015, 11:36:34 AM »
No doubt, this industry needs a unified secondary market with an API.  I have voiced those concerns to whoever would listen.  Nobody disagrees with my thought but the implementation is the issue.

I disagree. I don't want the institutions to take over.

Absolutely, a well functioning secondary markets will do wonders for liquidity and risk management, single platform or even better cross platform as both Prosper and LC use folio.

Investors - LC / Re: API - (503) Server Unavailable
« on: April 13, 2015, 10:45:36 AM »
Any further information on this anyone? Would love to hear some more feedback on this.

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