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Finclusion loans overdue

Komentáře

Komentáře: 5

  • Marek (Mintos)

    Hello Danielsc, thanks for your questions.

    The payment processing was delayed due to the reasons outside the lending company’s and Mintos’ control, which is why it was classified as temporary payment disruption. I can see that the loans that you listed got repaid after due date.

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  • Danielsc

    Marek (Mintos) Being repaid after due date is a common occurrence. What's not common is having the loans stuck for almost 8 weeks (as of now, with 46021873-01). And the part where Mintos can improve, as mentioned above, is:

    - describing the situation in the 'overdue' section when you click on it, once it's more than e.g. 10 days overdue

    - listing the overdue loan at https://www.mintos.com/en/about-overdue/, when it's being overdue for more time than usual

    - maybe you can also update the 'time' column in the overdue section, where it says 'Up to 2-3 weeks' to another estimate, when it's clear that it's taking more than 2-3 weeks, otherwise it's wrong

    I propose writing a status update after 10 days of overdue because that's more or less in the middle of the 2-3 weeks estimate.

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  • Marek (Mintos)

    Hello Danielsc,

    thank you for the feedback provided, I have forwarded this to the responsible department.

     

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  • Danielsc

    Two of my loans were repaid, but this one remains: https://www.mintos.com/en/loan/46021873-01

    Last line says: In recovery: 56.23 €

    The loan ended almost 4 months ago (it says: closing date: 30.12.2023).

    However it's still listed as 'temporary' and 'up to 2-3 weeks'. But it has been 4 months; it seems very stuck.

    No recent information:

    I would expect updates there but Mintos' updates are often empty ("pending due to reasons outside of our control", "no updates", "transfer delay" etc.). From the investor's point of view, it's important whether a loan is delayed 4 months or not, and why it happened. Is it the country? The currency? The loan originator? A bug? Mintos processes? The non-EU payments? …

    I know it's 'just' 1.68 €, but if this happens with 1.68 € I don't have confidence to put a larger amount.

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  • Danielsc

    Around today, https://www.mintos.com/en/loan/46021873-01 was also repaid. Four months and a half after the end date.

    I still don't know the reason why this happens, and there are some processes to improve transparency, as mentioned above.

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