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Defaulted loans  
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Oktaeder



Anmeldedatum: 13.07.2010
Beiträge: 7416
Wohnort: Bei Karlsruhe

BeitragVerfasst am: 02.04.2018, 10:05    Titel: Defaulted loans Antworten mit Zitat

Weiß jemand, welcher Kredit ausgefallen ist?
Bei mir kam es am Samstag auch zu ersten Zahlungsverzögerung überhaupt. Allerdings fehlen nur knapp 10%.

Jetzt wäre es an der Zeit dass Flender* sein weiteres Vorgehen in solche Fällen vorstellt...
_________________
Mein Blog rund um p2p Kredite
Bondora/XIRR ca. 16%/ Investiere per API.
Stand 8/2019

Weitere Anlagen bei Swaper*, Estateguru*, Ablrate*, moneything*, Flender*,Crowdestate in absteigender Summe. Twino* & mintos* nicht mehr.
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Kristjan Koik
Mitarbeiter von Flender


Anmeldedatum: 22.08.2017
Beiträge: 234

BeitragVerfasst am: 03.04.2018, 15:17    Titel: Re: Defaulted loans (Flender) Antworten mit Zitat

Hi Oktaeder,

This issue is with Perfect Fit campaign.

Our credit team are in constant contact with the borrower in default. The borrower is cooperating and has resumed repayments. Once sustainability of repayments has been established, the Flender* Credit team will restructure this loan over a longer term to ensure full capital and interest repayments are repaid in full. The Flender* Credit team will then review the facility over the coming 3 to 6 months to monitor repayments closely and review if repayments can be increased to get term of loan back on its original schedule. If all this fails, Flender* will pass this debt to our Debt Collections Company for enforcement of the Guarantees in place here.

Could you please email or get in touch with our support over payment that was short. This looks like technical issue as all borrowers are paying on time.

Kind regards,
Kris






Oktaeder hat Folgendes geschrieben:
Weiß jemand, welcher Kredit ausgefallen ist?
Bei mir kam es am Samstag auch zu ersten Zahlungsverzögerung überhaupt. Allerdings fehlen nur knapp 10%.

Jetzt wäre es an der Zeit dass Flender* sein weiteres Vorgehen in solche Fällen vorstellt...
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Benutzer-Profile anzeigen Private Nachricht senden
Oktaeder



Anmeldedatum: 13.07.2010
Beiträge: 7416
Wohnort: Bei Karlsruhe

BeitragVerfasst am: 03.04.2018, 16:28    Titel: Re: Defaulted loans (Flender) Antworten mit Zitat

Hi Kris,
thank you for your answer.

The 10p missing were in loan "Love Suits Retail Chain Expansion" but seems to be fixed now.
_________________
Mein Blog rund um p2p Kredite
Bondora/XIRR ca. 16%/ Investiere per API.
Stand 8/2019

Weitere Anlagen bei Swaper*, Estateguru*, Ablrate*, moneything*, Flender*,Crowdestate in absteigender Summe. Twino* & mintos* nicht mehr.
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Oktaeder



Anmeldedatum: 13.07.2010
Beiträge: 7416
Wohnort: Bei Karlsruhe

BeitragVerfasst am: 05.04.2018, 07:19    Titel: Re: Defaulted loans (Flender) Antworten mit Zitat

1% default würde jetzt doch zu schlecht aussehen. Da zeigt man jetzt lieber 0% loss rate (nach inkasso Bemühungen) an. Schade um die verlorene Transparenz. 0% macht mich immer skeptischer als wenn da 1% mit noch Hoffnung stehen würde.
_________________
Mein Blog rund um p2p Kredite
Bondora/XIRR ca. 16%/ Investiere per API.
Stand 8/2019

Weitere Anlagen bei Swaper*, Estateguru*, Ablrate*, moneything*, Flender*,Crowdestate in absteigender Summe. Twino* & mintos* nicht mehr.
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Benutzer-Profile anzeigen Private Nachricht senden
Kristjan Koik
Mitarbeiter von Flender


Anmeldedatum: 22.08.2017
Beiträge: 234

BeitragVerfasst am: 05.04.2018, 09:30    Titel: Re: Defaulted loans (Flender) Antworten mit Zitat

Hi Oktaeder,

Sorry but can you clarify this. I tried google translate but wording did not make sense.

Kind regards,
Kris



Oktaeder hat Folgendes geschrieben:
1% default würde jetzt doch zu schlecht aussehen. Da zeigt man jetzt lieber 0% loss rate (nach inkasso Bemühungen) an. Schade um die verlorene Transparenz. 0% macht mich immer skeptischer als wenn da 1% mit noch Hoffnung stehen würde.
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Oktaeder



Anmeldedatum: 13.07.2010
Beiträge: 7416
Wohnort: Bei Karlsruhe

BeitragVerfasst am: 05.04.2018, 09:34    Titel: Re: Defaulted loans (Flender) Antworten mit Zitat

Yep.

You showed "defaulted loans 1%" before, now "lost rate 0%". May for you sounds better, but for me as an investor is good to see that there is a (small) rate of defaulted loans you are working on. So you should show both numbers or a more detailed statistic elsewhere.
_________________
Mein Blog rund um p2p Kredite
Bondora/XIRR ca. 16%/ Investiere per API.
Stand 8/2019

Weitere Anlagen bei Swaper*, Estateguru*, Ablrate*, moneything*, Flender*,Crowdestate in absteigender Summe. Twino* & mintos* nicht mehr.
Nach oben
Benutzer-Profile anzeigen Private Nachricht senden
Kristjan Koik
Mitarbeiter von Flender


Anmeldedatum: 22.08.2017
Beiträge: 234

BeitragVerfasst am: 06.04.2018, 08:44    Titel: Re: Defaulted loans (Flender) Antworten mit Zitat

Hi Oktaeder,

I’m happy to say that our credit team has done a great job with our first borrower that was in default. Loan has been restructured successfully and is no longer in default. On the website therefore live stats are going back to 0%

Kind regards,
Kris


Oktaeder hat Folgendes geschrieben:
Yep.

You showed "defaulted loans 1%" before, now "lost rate 0%". May for you sounds better, but for me as an investor is good to see that there is a (small) rate of defaulted loans you are working on. So you should show both numbers or a more detailed statistic elsewhere.
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Oktaeder



Anmeldedatum: 13.07.2010
Beiträge: 7416
Wohnort: Bei Karlsruhe

BeitragVerfasst am: 01.05.2018, 07:18    Titel: Re: Defaulted loans (Flender) Antworten mit Zitat

Love Suits Retail Chain Expansion hat gestern nicht bezahlt - mein erster Verzug.
_________________
Mein Blog rund um p2p Kredite
Bondora/XIRR ca. 16%/ Investiere per API.
Stand 8/2019

Weitere Anlagen bei Swaper*, Estateguru*, Ablrate*, moneything*, Flender*,Crowdestate in absteigender Summe. Twino* & mintos* nicht mehr.
Nach oben
Benutzer-Profile anzeigen Private Nachricht senden
Oktaeder



Anmeldedatum: 13.07.2010
Beiträge: 7416
Wohnort: Bei Karlsruhe

BeitragVerfasst am: 01.05.2018, 16:29    Titel: Re: Defaulted loans (Flender) Antworten mit Zitat

Oktaeder hat Folgendes geschrieben:
Love Suits Retail Chain Expansion hat gestern nicht bezahlt - mein erster Verzug.

[x] erledigt.
Ehrlich gesagt ist mir soetwas ganz Recht - es zeigt, dass nichts vertuscht wird.
_________________
Mein Blog rund um p2p Kredite
Bondora/XIRR ca. 16%/ Investiere per API.
Stand 8/2019

Weitere Anlagen bei Swaper*, Estateguru*, Ablrate*, moneything*, Flender*,Crowdestate in absteigender Summe. Twino* & mintos* nicht mehr.
Nach oben
Benutzer-Profile anzeigen Private Nachricht senden
bettertogether



Anmeldedatum: 27.10.2016
Beiträge: 238

BeitragVerfasst am: 02.05.2018, 09:33    Titel: Re: Defaulted loans (Flender) Antworten mit Zitat

Oktaeder hat Folgendes geschrieben:
Oktaeder hat Folgendes geschrieben:
Love Suits Retail Chain Expansion hat gestern nicht bezahlt - mein erster Verzug.

[x] erledigt.
Ehrlich gesagt ist mir soetwas ganz Recht - es zeigt, dass nichts vertuscht wird.


Hoffentlich hast du recht und es wird wirklich nichts vertuscht. Der selbe Kreditnehmer scheint nämlich auch bei LinkedFinance* einen Kredit aufgenommen zu haben: https://www.linkedfinance.com/loan/2017/02/love-suits

Ich bin dort investiert und die letzte Rate vom 10.04. ist nach wie vor nicht bezahlt. Hier die Status-Updates dazu:
Zitat:

30 April 2018, 12:04
Update
Despite our efforts we have yet to receive a response from this borrower regarding the missed April repayment pertaining to the loan. An initial reminder has been issued to the borrower detailing the missed repayment and providing the borrower with 14 days to resolve same and prevent further action, we continue to attempt contact with this borrower daily and hope to resolve the payment before the expiry of the initial reminder on 04/05/2018 when the agreement will be reviewed for potential further action. All lenders will be kept up to date on any movement.

19 April 2018, 11:29
Update
Despite numerous efforts we have been unsuccessful in reaching this borrower with regards to the April repayment, we have issued a first letter requesting immediate resolution of the late payment and will ensure to keep all lenders updated with any movement.

13 April 2018, 10:45
Repayment Missed
We have not received the most recent repayment for this loan. We are continuing efforts to resolve this with the lender and hope to have a resolution in the coming days.
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bettertogether



Anmeldedatum: 27.10.2016
Beiträge: 238

BeitragVerfasst am: 25.07.2018, 09:51    Titel: Re: Defaulted loans (Flender) Antworten mit Zitat

Hier der nächste Fall einer Firma, die sowohl bei Flender* als auch LinkedFinance* einen Kredit aufgenommen haben und nun laut LinkedFinance* Probleme haben: Premier Irish Golf Tours

Hier der LF-Statusupdate von gestern:
Zitat:
We have become aware that a business you lent to recently has purportedly ceased trading. While the business, Premier Irish Golf Tours, has yet to miss a repayment, given the recency of the loan and information obtained by Linked Finance*, we have taken the decision to accelerate our debt management process.

This loan for €100,000 was issued in June and the business had used Linked Finance* on four previous occasions. All previous loans were either fully repaid or up-to-date when this latest loan was requested. The funding was essentially to be used as a bridging facility until the completion of a planned equity investment.


Our standard credit evaluation process showed growing profitability and sufficient affordability within the business. Furthermore, we also sought evidence of this planned equity investment by way of a copy of the agreement and a letter from the borrower's solicitor confirming the expected timelines and that the borrower was agreeable to paying down Linked Finance* loans from the funding to be received.


We recently received notice from both the borrower's accountant and solicitor stating that the planned equity investment had not reached completion and this was later followed by reports that the business had ceased trading.

We are actively attempting to contact the borrower for clarification on the status of the business and their ability to honour their commitments to our lenders. We have also engaged with our legal partners to ensure that we are pursuing all available avenues to successfully recovering this debt. We will ultimately be seeking to enforce the personal guarantee provided by the Director with this loan should the business be unable to clear its debt obligations to our lenders in full. We will provide further updates as information becomes available.


Ich bin gespannt, ob die bei Flender* im nächsten Monat bezahlen. Merkwürdigerweise ist der Kampagne nicht mehr auf der Marketplace-Seite mit den bereits erfolgreich finanzierten Projekten gelistet. Ich hoffe, das ist kein böses Omen.

Love Suits hinkt bei LinkedFinance* übrigens beständig einen Monat mit den Zahlungen hinterher. Ist bisher also nicht ausgefallen, sondern "nur" late.
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Kristjan Koik
Mitarbeiter von Flender


Anmeldedatum: 22.08.2017
Beiträge: 234

BeitragVerfasst am: 30.07.2018, 09:24    Titel: Re: Defaulted loans (Flender) Antworten mit Zitat

Hi Bettertogether,

Thank you for your feedback, yes we are aware fo the issues surrounding the company Premier Irish Golf and are making all efforts to progress matters. Currently all lenders have received all repayments due and as soon as we have an update available regarding this company, we will of course notify all lenders in their campaign. Regarding Love Suits, all payments up to date and no issues recorded on the Flender* facility.

Kind regards,
Kris





bettertogether hat Folgendes geschrieben:
Hier der nächste Fall einer Firma, die sowohl bei Flender* als auch LinkedFinance* einen Kredit aufgenommen haben und nun laut LinkedFinance* Probleme haben: Premier Irish Golf Tours

Hier der LF-Statusupdate von gestern:
Zitat:
We have become aware that a business you lent to recently has purportedly ceased trading. While the business, Premier Irish Golf Tours, has yet to miss a repayment, given the recency of the loan and information obtained by Linked Finance*, we have taken the decision to accelerate our debt management process.

This loan for €100,000 was issued in June and the business had used Linked Finance* on four previous occasions. All previous loans were either fully repaid or up-to-date when this latest loan was requested. The funding was essentially to be used as a bridging facility until the completion of a planned equity investment.


Our standard credit evaluation process showed growing profitability and sufficient affordability within the business. Furthermore, we also sought evidence of this planned equity investment by way of a copy of the agreement and a letter from the borrower's solicitor confirming the expected timelines and that the borrower was agreeable to paying down Linked Finance* loans from the funding to be received.


We recently received notice from both the borrower's accountant and solicitor stating that the planned equity investment had not reached completion and this was later followed by reports that the business had ceased trading.

We are actively attempting to contact the borrower for clarification on the status of the business and their ability to honour their commitments to our lenders. We have also engaged with our legal partners to ensure that we are pursuing all available avenues to successfully recovering this debt. We will ultimately be seeking to enforce the personal guarantee provided by the Director with this loan should the business be unable to clear its debt obligations to our lenders in full. We will provide further updates as information becomes available.


Ich bin gespannt, ob die bei Flender* im nächsten Monat bezahlen. Merkwürdigerweise ist der Kampagne nicht mehr auf der Marketplace-Seite mit den bereits erfolgreich finanzierten Projekten gelistet. Ich hoffe, das ist kein böses Omen.

Love Suits hinkt bei LinkedFinance* übrigens beständig einen Monat mit den Zahlungen hinterher. Ist bisher also nicht ausgefallen, sondern "nur" late.
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Kristjan Koik
Mitarbeiter von Flender


Anmeldedatum: 22.08.2017
Beiträge: 234

BeitragVerfasst am: 01.08.2018, 08:05    Titel: Re: Defaulted loans (Flender) Antworten mit Zitat

Kristjan Koik hat Folgendes geschrieben:
Hi Bettertogether,

Thank you for your feedback, yes we are aware fo the issues surrounding the company Premier Irish Golf and are making all efforts to progress matters. Currently all lenders have received all repayments due and as soon as we have an update available regarding this company, we will of course notify all lenders in their campaign. Regarding Love Suits, all payments up to date and no issues recorded on the Flender* facility.

Kind regards,
Kris





bettertogether hat Folgendes geschrieben:
Hier der nächste Fall einer Firma, die sowohl bei Flender* als auch LinkedFinance* einen Kredit aufgenommen haben und nun laut LinkedFinance* Probleme haben: Premier Irish Golf Tours

Hier der LF-Statusupdate von gestern:
Zitat:
We have become aware that a business you lent to recently has purportedly ceased trading. While the business, Premier Irish Golf Tours, has yet to miss a repayment, given the recency of the loan and information obtained by Linked Finance*, we have taken the decision to accelerate our debt management process.

This loan for €100,000 was issued in June and the business had used Linked Finance* on four previous occasions. All previous loans were either fully repaid or up-to-date when this latest loan was requested. The funding was essentially to be used as a bridging facility until the completion of a planned equity investment.


Our standard credit evaluation process showed growing profitability and sufficient affordability within the business. Furthermore, we also sought evidence of this planned equity investment by way of a copy of the agreement and a letter from the borrower's solicitor confirming the expected timelines and that the borrower was agreeable to paying down Linked Finance* loans from the funding to be received.


We recently received notice from both the borrower's accountant and solicitor stating that the planned equity investment had not reached completion and this was later followed by reports that the business had ceased trading.

We are actively attempting to contact the borrower for clarification on the status of the business and their ability to honour their commitments to our lenders. We have also engaged with our legal partners to ensure that we are pursuing all available avenues to successfully recovering this debt. We will ultimately be seeking to enforce the personal guarantee provided by the Director with this loan should the business be unable to clear its debt obligations to our lenders in full. We will provide further updates as information becomes available.


Ich bin gespannt, ob die bei Flender* im nächsten Monat bezahlen. Merkwürdigerweise ist der Kampagne nicht mehr auf der Marketplace-Seite mit den bereits erfolgreich finanzierten Projekten gelistet. Ich hoffe, das ist kein böses Omen.

Love Suits hinkt bei LinkedFinance* übrigens beständig einen Monat mit den Zahlungen hinterher. Ist bisher also nicht ausgefallen, sondern "nur" late.
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bettertogether



Anmeldedatum: 27.10.2016
Beiträge: 238

BeitragVerfasst am: 01.08.2018, 08:59    Titel: Re: Defaulted loans (Flender) Antworten mit Zitat

Kristjan Koik hat Folgendes geschrieben:
Hi Bettertogether,

Thank you for your feedback, yes we are aware fo the issues surrounding the company Premier Irish Golf and are making all efforts to progress matters. Currently all lenders have received all repayments due and as soon as we have an update available regarding this company, we will of course notify all lenders in their campaign. Regarding Love Suits, all payments up to date and no issues recorded on the Flender* facility.

Kind regards,
Kris


Dear Kristjan,

thank you for the update regarding both loans. It's good know that there are no issues regarding Love Suits on Flender* yet. However, although there are no payments missing yet, for transparency reasons it would be nice, if you could share any information likely affecting the scheduled repayments (like the problems of Premier Irish Golf) early with all lenders in future.

Kind regards
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bettertogether



Anmeldedatum: 27.10.2016
Beiträge: 238

BeitragVerfasst am: 03.09.2018, 09:20    Titel: Re: Defaulted loans (Flender) Antworten mit Zitat

Dear Kristjan,

do you have an explanation, why Premiere Golf Tours, a company that obviously ceased businesses, seems to repay its Flender* loan regularly (expected equals repaid in August) while on Linked Finance* the company stopped repayment of its loan?

Also, Love Suits on Linked Finance* is now 2 month late. Is there still no delay for the Flender* loan (I am not invested in Love Suits on Flender*, so I cannot see the repayments)?

I am a bit worried about the discrepancies between Flender* and Linked Finance* in these cases. How could this come? Of course the borrowers could have simply decided to stop repaying Linked Finance* while continuing repayments on Flender. But this does not seem very likely to me. Do the borrowers on Flender* have to deposit a certain amount for the first repayment dates at the time of borrowing? I hope it's not that you try whitewashing the situation to look more attractive for lenders.


Zuletzt bearbeitet von bettertogether am 03.09.2018, 10:42, insgesamt einmal bearbeitet
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