Funding Circle Account Information

Funding Circle Account Information

Excerpt From The Full February 2020 Monthly Update

Funding Circle

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Funding Circle Account Screenshot 1 - Feb 2020 P2P Lending Update

As you’ll know if you’re a regular reader of Obviousinvestor.com, I’ve been trying to get out of Funding Circle since July 1st 2019. It’s taking a while but I’m slowly getting there.

XIRR declined AGAIN from 3.08% in January to 2.88% in February. I’m still showing an overall profit with Funding Circle at least, but again there were defaults. Funding Circle defaults for January were £183.40 and came in with an overall loss of -£36.35 for the month.

I did manage to withdraw £1,500 in February (from repayments & loan sales).

 

Funding Circle Signup & Cashback Offers

For anyone considering investing in Funding Circle, I would suggest you wait and see how things pan out, there are better lenders to invest with at this time.

However if you’re a new investor, and do still want to invest with Funding Circle (bad idea), the cashback offer for new investors is: Invest £2000 and receive £50 Amazon Gift Certificate. If you are hell bent on investing with Funding Circle, you may as well get the bonus.

Use this link to qualify for the Funding Circle cashback >>>

 

Excerpt From The Full January 2020 Monthly Update

Funding Circle

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Funding Circle Screenshot 1 - January 2020 Update

As you’ll know if you’re a regular reader of Obviousinvestor.com, I’ve been trying to get out of Funding Circle since July 1st 2019. It’s taking a while but I’m slowly getting there.

XIRR declined AGAIN from 3.75% in December to 3.08% in January. I’m still showing an overall profit with Funding Circle at least, but again there were defaults. Funding Circle defaults for January were £397.86 and came in with an overall loss of -£232.80 for the month.

I did manage to withdraw £2,200 in January (from repayments & loan sales).

 

Funding Circle Signup & Cashback Offers

For anyone considering investing in Funding Circle, I would suggest you wait and see how things pan out, there are better lenders to invest with at this time.

However if you’re a new investor, and do still want to invest with Funding Circle (bad idea), the cashback offer for new investors is: Invest £2000 and receive £50 Amazon Gift Certificate. If you are hell bent on investing with Funding Circle, you may as well get the bonus.

Use this link to qualify for the Funding Circle cashback >>>

 

 

 

 

Excerpt From The December 2019 Monthly Update

 

Funding Circle

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Funding Circle Account Screenshot for December 2019 P2P Lending Update

As you’ll know if you’re a regular reader of Obviousinvestor.com, I’ve been trying to get out of Funding Circle since July 1st 2019. It’s taking a while but I’m slowly getting there.

XIRR declined again from 3.89% in November to 3.75% in December. I’m still showing an overall profit with Funding Circle at least, but again there were defaults to the tune of £146.93 in December. Not as bad as last month but still no fun.

I did manage to withdraw £1,600 in November (from repayments & loan sales) and it all went to Loanpad where it’s safe and I can get almost 6% 🙂

Selling Funding Circle Loans

Just as a reminder, Funding Circle have changed the way their selling feature works on December 2nd. Instead of sellers having to wait their turn to sell all of their loans, they are going to cycle between sellers in a “round robin” fashion, just selling parts of their loans before moving on to the next lender. So in theory, this gives everyone a chance to get some capital back quickly. 

The problem is they have now introduced a 1.25% selling fee, which is going to the buyer of the loans as an incentive to purchase them. That kind of sucks when it used to be free to sell loans early, and it was the initial agreement when I first invested the money. I understand why they are doing it, however personally I think Funding Circle are making a huge mistake putting the fee onto current investments. They are basically holding investors capital for ransom and alienating them even more than they were before. Not a good idea for a company that’s not yet profitable and now has such a bad reputation already.

New Selling Feature Update

As an update on the selling feature; it’s total rubbish. I’ve now sold about £1000 in December which I’ve been charged for at 1.25%. Funny thing is, I was only able to withdraw just £100 more than last month (which was just from repayments, so no sales and no charge). Seems to me there is something not quite right about that but there is not much I can do. I’ll just keep selling until I can get out and put Funding Circle down to a learning experience. If it wasn’t such a huge company, I’d have to say that Funding Circle is a scam.

Unfortunately though, Funding Circle are just a classic example of how greedy corporate executives can ruin a good company. I updated and wrote in my Funding Circle review how they got here.

 

Funding Circle Signup & Cashback Offers

For anyone considering investing in Funding Circle, I would suggest you wait and see how things pan out, there are better lenders to invest with at this time.

However if you’re a new investor, and do still want to invest with Funding Circle (bad idea), the cashback offer for new investors is: Invest £2000 and receive £50 Amazon Gift Certificate. If you are hell bent on investing with Funding Circle, you may as well get the bonus.

Use this link to qualify for the cashback >>>

 

 

 

Excerpt from the Full November 2019 Monthly P2P Lending Update

 

November 2019 Monthly Update

 

Funding Circle

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Soooooooo, Funding Circle. What can I say. I am still waiting to sell half of my holdings with Funding Circle (and honestly, I’m now considering selling out completely). Still nothing sold since my July 1st sell order. So now it looks like I’ll also get to pay 1.25% of everything I sell (see “Selling Funding Circle Loans” below).

On top of this, as you can see in the above chart, in November, Funding Circle hit me with an overall loss of £476.90. The actual defaults for November were £676.04, in one month!

XIRR dived from 5.33% in October to 3.89% in November (as you would expect). I’m still showing an overall profit with Funding Circle at least, but we’ll see what December brings. Right now I’m just hoping to get out what I put in after fees and defaults.

I did manage to withdraw £1,500 in November (from repayments) and it all went to Loanpad where it’s safe and I can get almost 6% 🙂

Selling Funding Circle Loans

Just as a reminder from last month, Funding Circle are changing the way their selling feature works on December 2nd. Instead of sellers having to wait their turn to sell all of their loans, they are going to cycle between sellers in a “round robin” fashion, just selling parts of their loans before moving on to the next lender. So in theory, this gives everyone a chance to get some capital back quickly. 

The problem is they have now introduced a 1.25% selling fee, which is going to the buyer of the loans as an incentive to purchase them. That kind of sucks when it used to be free to sell loans early, and it was the initial agreement when I first invested the money. I understand why they are doing it, however personally I think Funding Circle are making a huge mistake putting the fee onto current investments. They are basically holding investors capital for ransom and alienating them even more than they were before. Not a good idea for a company that’s not yet profitable and now has such a bad reputation already.

Funding Circle are a classic example of how greedy corporate executives can ruin a good company. I updated and wrote in my Funding Circle review how they got here.

 

Funding Circle Signup & Cashback Offers

For anyone considering investing in Funding Circle, I would suggest you wait and see how things pan out, there are better lenders to invest with at this time.

However if you’re a new investor, and do still want to invest with Funding Circle (bad idea), the cashback offer for new investors is: Invest £2000 and receive £50 Amazon Gift Certificate. If you are hell bent on investing with Funding Circle, you may as well get the bonus.

Use this link to qualify for the cashback >>>

Funding Circle Account Screenshot for November 2019 P2P Lending Update Funding Circle Account Screenshot for November 2019 P2P Lending Update 2

 

October 2019 Monthly Update

 

Funding Circle

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Funding Circle lending finally showed income in October, £67.51 to be precise. It’s a welcome change after 3 months of negative returns and I hope this has filtered out most of the bad loans they wrote before their IPO.

I am still waiting to sell half of my holdings with Funding Circle to reduce my exposure. Still nothing sold since my July 1st sell order. They are saying it’s taking 136 days now, so hopefully in November I’ll get some sold. I did withdraw and move another £1,000 from them but that was just from repayments. It went to Loanpad where it’s safe 🙂

 

Selling Funding Circle Loans

I got an email saying Funding Circle are changing the way their selling feature works on December 2nd. Instead of sellers having to wait their turn to sell all of their loans, they are going to cycle between sellers in a “round robin” fashion, just selling parts of their loans before moving on to the next lender. So in theory it gives everyone a chance to get some capital back quickly. 

The problems is that they have now introduced a 1.25% selling fee which is going to the buyer of the loans as an incentive to purchase them. That kind of sucks when it used to be free to sell loans early, and it was the initial agreement when I first invested the money. I understand why they are doing it, however personally I think Funding Circle are making a huge mistake putting the fee onto current investments. They are basically holding investors capital for ransom and alienating them even more than they were before. Not a good idea for a company that’s not yet profitable and now has such a bad reputation already.

 

Considering selling out

I’m now considering selling out of Funding Circle altogether instead of just selling half of my holdings. Not because I’m scared of losing money, but I don’t like lenders moving the goalposts after the game has started. There was no selling fee when I first invested, now there is, and they gave investors no way to get grandfathered in. So if we want out early now, we have to pay. That’s almost £400 on £30k for me. Although I would still come out on top, it’s not cool Funding Circle!

If they would have stuck with the programme, I would have stuck with my plan to just sell half of my holdings. Silly people.  They will end up causing their own demise if they are not careful. Trust is 110% in the Peer to Peer lending game, and they just lost it from just about all of their current investors. 

Actual XIRR slipped once again from 5.47% in September to 5.33% in October. No surprise. We’ll see what November brings. 

 

Funding Circle Signup & Cashback Offers

For anyone considering investing in Funding Circle, I would suggest you wait and see how things pan out, there are better lenders to invest with at this time.

However if you’re a new investor and do still want to invest with Funding Circle (bad idea), the cashback offer for new investors is: Invest £2000 and receive £50 Amazon Gift Certificate. If you are hell bent on investing with Funding Circle, you may as well get the bonus.

Use this link to qualify for the cashback >>>

Funding Circle Account Screenshot 1 - October 2019 Update

 

 

September 2019 Monthly Update

 

Funding Circle

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Funding Circle again showed some more defaults in September, £242.39 to be precise. Seems to be the norm now as this is the 3rd month of losses from them.

Actual XIRR slipped again from 5.96% in August to 5.47% in September. I withdrew another £1,200 which just came from repayments, nothing sold yet. Sales are currently quoted to take 114 days now, and I’m at 90 so hopefully next month I’ll be reporting I’ve sold some of the loans. Loans that are late in payment have gone down from 27 in August to 23 in September so at least something is looking a bit better.

Funding Circle Signup & Cashback Offers

For anyone considering investing in Funding Circle, I would suggest you wait and see how things pan out, there are better lenders to invest with at this time.

However if you’re a new investor and do still want to invest with Funding Circle, the cashback offer for new investors is: Invest £2000 and receive £50 Amazon Gift Certificate. Click here for more info.

Use this link to qualify for the cashback >>>

 

Funding Circle Account Screenshot - August 2019 Peer to Peer Lending Update 1

 

 

August 2019 Monthly Update

 

FUNDING CIRCLE 

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Funding Circle Account Screenshot for Peer to Peer Lending Update - August 2019 1

Soooo, Funding Circle….. After my disgust with the defaults last month, Funding Circle again hit me with some more defaults in August, £206.81 to be precise. Not as bad as the £251.45 hit last month, but still not pretty. This really once again skewed the overall total GBP portfolio income keeping it below £1,000 for the month. Actual XIRR also took another hit from 6.50% to 5.96%. I withdrew another £1,000 over August which just came from repayments, nothing sold yet. The number of loans marked as “Late” increased again on top of the defaults from 23 last month to 27 in August. Not a good sign.

Now, this might sound silly but I’m not freaking out yet. Once I’ve sold half of my holdings (which are now taking an average of 94 days to sell), I’ll reevaluate and see how Funding Circle’s financials are looking then. They raised £300 million in their IPO last year, and they still have most of that left in cash as I understand it, so they are still looking quite healthy as a company. You can read their latest Annual Report here if you need something to read.

So, although they are experiencing high defaults, as a company I believe they are still strong. If what I’m reading about the defaults is true (they are coming from a lapse in credit criteria because of their IPO, trying to get turnover up to boost the value), things may pick up in a few months. True though if FC were a smaller company, I might be a bit more concerned.

For anyone considering investing in FC, I would suggest you wait and see how things pan out. However if you’re a new investor and do still want to diversify with Funding Circle, they currently have a cashback offer for new investors: Invest £2000 and receive £50 Amazon Gift Certificate. Click here for more info. Use this link to qualify for the cashback.

 

 

 

 

July 2019 Monthly Update

 

FUNDING CIRCLE 

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Funding Circle Account Screenshot for Peer to Peer Lending July 2019 Update 1

 

After my rave last month about how well Funding Circle were doing for me, they hit me with some more defaults in July, £251.45 to be precise. This really skewed the income from Funding Circle (and the portfolio) in July taking FC income to a negative. I really shouldn’t complain as my targeted annual return is still above the 7.20% they originally quoted (that’s FC’s figures, not my figures). Actual XIRR also took a hit from 7.12% to 6.50%. 

The number of loans marked as “Late” increased on top of the defaults from 21 last month to 23 in July.

Funding Circle Account Screenshot for Peer to Peer Lending July 2019 Update 2 Funding Circle Account Screenshot for Peer to Peer Lending July 2019 Update 3 Funding Circle Account Screenshot for Peer to Peer Lending July 2019 Update 4

 

With all this in mind, I withdrew another £1000 from repayments, and I decided to stick to my original plan and sell half of my Funding Circle holdings.

It appears currently, selling out of FC is taking around 77 days. This used to be achieved in a couple of days. So, obviously the bad press they’ve been getting and the increased defaults have affected their investor base.

Funding Circle Account Screenshot for Peer to Peer Lending July 2019 Update 5

I read somewhere that it’s thought the reason for all of the defaults is because Funding Circle relaxed their lending criteria to get more business in before they went public, which makes sense, companies do try to make themselves look the best they can when they float on the open market. Hopefully if that’s the case, the defaults should subside once they get back to their normal lending rules. Funding Circle are a huge company so I don’t think they are going anywhere for now. Always good to be prudent though, so I think selling some out and diversifying my investment here is a good idea.

Personally I would wait to invest with Funding Circle if you don’t currently have an account with them. Wait until the defaults flatten out a bit. However if you’re a new investor and do still want to diversify with Funding Circle, they currently have a cashback offer for new investors: Invest £2000 and receive £50 Amazon Gift Certificate. Click here for more info. Use this link to qualify for the cashback.

 

 

 

June 2019 Monthly Update

 

FUNDING CIRCLE 

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Funding Circle Account Screenshot for June 2019 Peer to Peer Lending Update 2

 

 

As mentioned previously, Funding Circle really seem to be doing well as far as return is concerned. No further losses this month and the return they say I’ll get annually if I keep all of my money invested and reinvest the income is 8.10%, up from 7.90% last month, and XIRR rose from 6.89% to 7.12% which is really not too shabby after a year lending with them and the defaults issues they were being chastised for. Same number of loans marked as “Late” as last month (21) so not getting any worse this month. Very good sign. 

Funding Circle Loan Listing Screenshot for June 2019 Peer to Peer Lending Update 1  Funding Circle Loan Listing Screenshot for June 2019 Peer to Peer Lending Update 2

Funding Circle Loan Listing Screenshot for June 2019 Peer to Peer Lending Update 3

 

If you’re a new investor thinking about investing with Funding Circle, they currently have a decent cashback offer for new investors: Invest £2000 and receive £50 Amazon Gift Certificate. Click here for more info. Use this link to qualify for the cashback.

 

 

 

May 2019 Monthly Update

 

FUNDING CIRCLE

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Funding Circle Peer to Peer Lender Account Screenshot for May 2019 Update 1

 

 

Funding Circle gave me about another £97 in losses in May. Not a problem though as this is right on target with their numbers. They are saying annual return is running at 7.9% on a target rate of 7.2 when I invested in this account right about a year ago, so we are all good.

 

Currently there are 21 loans marked as “late”. Typically only about half of these will actually go into default.

Funding Circle P2P Review Account Screenshot for May 2019 Update 2

Funding Circle Returns Account Screenshot for May 2019 Update 3

Funding Circle Peer to Peer Lender Account Screenshot for May 2019 Update 4

 

Funding Circle XIRR has settled down just a small amount from 6.98% in April to 6.89% in May. So it seems to be settling very close to the target rate of 7.20% for the year. It always takes a little more than a year to get the correct XIRR as for the first few months payments and investments are staggered so can reflect negatively.

I have decided to redistribute some of my Funding Circle account capital to other lenders to diversify my GBP portfolio a little more. As I mentioned earlier, I have decided to do this with a few of my largest accounts (except Assetz Capital and Mintos which I actually intend to increase my investments in). I will start to sell some Funding Circle loans next month.

If you’re a new investor thinking about investing with Funding Circle, they currently have a decent cashback offer for new investors: Invest £2000 and receive £50 Amazon Gift Certificate. Click here for more info. Use this link to qualify for the cashback.

 

 

 

April 2019 Monthly Update

 

FUNDING CIRCLE

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Funding Circle Screenshot for April 2019 Update 1Funding Circle Screenshot for April 2019 Update 1

 

 

Funding Circle added another £43 for bad debt to my lending account in April. Not too bad this month and they are still returning 8.1% return on my account (per Funding Circles’ figures).  Actual XIRR rose this month from 6.91% in March to 6.98% in April, so it looks like we’re back on track for good returns after the little downturn we had last month. Actual returns were back up around £189 for April as well.

Below is a listing of my current loan parts (everything that is not current). You can see below that 6 are “Processing”, typically meaning they have just had investment and are getting going. There are 15 loans marked as “Late” which could potentially turn in to bad debt. Although typically I’ve noticed Funding Circle seem to be able to get at least 50% of these back on track. We’ll see how they do moving forward but I’m not too worried at this point.

 

Funding Circle Screenshot for April 2019 Update 3 Funding Circle Screenshot for April 2019 Update 4

Funding Circle Screenshot for April 2019 Update 5

 

If you’re thinking about investing with Funding Circle, they currently have a decent cashback offer for new investors: Invest £2000 and receive £50 Amazon Gift Certificate. Click here for more info.

 

 

 

 

March 2019 Monthly Update

 

FUNDING CIRCLE

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It kind of feels like Funding Circle did me wrong this month for some reason. As I said in last months update, Funding Circle have been getting some bad press recently about loans defaulting. Well, I caught some of that this month. My defaults went from around £148 total for the previous 6 months, to £305.09. They doubled in just one month! Without that happening, I would have broken the £1000 monthly income mark.

Can’t really complain though as lender stated actual income rate is still high at 8.1% (down from 8.6% last month). XIRR dropped from 7.14% last month to 6.91% this month. Still a very respectable return rate by any measure.

Funding Circle Account Screenshot for March 2019 Update 2 Funding Circle Account Screenshot for March 2019 Update 1

 

When looking at my loan holdings with Funding Circle, I can see there are still another 10 loans late in paying. That sounds bad, but when you consider I’m diversified between 550 different companies, I guess it’s really not that bad. From the beginning Funding Circle have said my expected overall expected rate of return would be around 7.2%, so I think that the defaults we are seeing here have already been factored in to the end number. Funding Circle are a huge company with £ billions lent out already so I’m not too worried about my capital. They’ll adjust their lending criteria and the defaults will die down in the future I’m sure. If I wasn’t, I would be withdrawing capital 😀

 

Funding Circle Account Screenshot for March 2019 Update 5

Funding Circle Account Screenshot for March 2019 Update 5

If you’re looking to start investing with Funding Circle, they currently have a cashback offer: Invest £2000 and receive £50 Amazon Gift Certificate. Click here for more info.

 

 

 

 

 

February 2019 Monthly Update

 

FUNDING CIRCLE

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Funding Circle are getting some bad press lately because of a few more than usual loans going bad. Luckily I’m not seeing too many of them (touch wood). I’ve had a couple of small write offs but nothing too significant. In fact they are still my highest grossing account by actual income with net earnings (so far) of £1,409.10 and a lender calculated ROI of 8.6% and an XIRR of 7.14%. Not quite as high as Mintos, however no work at all required. Personally I think all lenders go through periods of higher than normal defaults (look at Lending Crowd a couple of months ago) but they adjust their lending criteria and learn by their mistakes and the loan market.

Funding Circle Account Screenshot for Feb 2019 Update

 

If you’re looking to start investing with Funding Circle, they currently have a cashback offer: Invest £2000 and receive £50 Amazon Gift Certificate. Click here for more info.

 

 

 

January 2019 Monthly Update

 

FUNDING CIRCLE

Full Review

Funding Circle is still the overall highest grossing lender with a total income of £168.59 for January. Down a little from the previous month due to a couple of small default losses which were taken. Funding Circle’s Return on Investment calculations still put my account at 8.4% though. Which is still a good bit above their suggested annual income of 7.2%. XIRR has decreased a little to 6.82% (from 6.86 last month) due to the loss, however it is still the second highest Peer to Peer XIRR only to Mintos, which is running at 7.51%.

Funding Circle changed their Account Summary screen this month per below. Not sure if it’s any better but it’s still easy to see all of the figures, and that’s what really matters. You can see how it used to look in my Funding Circle Review.

 

Funding Circle Account Screenshot for Jan 19 Update 1

These are the loans that are currently late with Funding Circle. Not too bad at all. “Processing” typically means that they are new loans just being made, or payments have been made and not been added to the account yet.

Funding Circle Late Payments Screenshot for Jan 19 Update 1

 

 

 

 

December 2018 Update

 

Funding Circle

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Funding Circle Account Screenshot for Dec 2018 update 1

 

Funding Circle is about the same as Assetz Capital, totally hands off investing. My account surpassed 31k this month with over £1000 profit overall since it started it as part of this portfolio. Not too shabby at all. Still only 2 defaults which have turned to bad debt which is pretty amazing when you consider I’m lending to almost 500 separate businesses.

 

 

 

November 2018 Update

 

Funding Circle

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Funding Circle Account Screenshot for Nov 2018 Update 1 Funding Circle Account Screenshot for Nov 2018 Update 2

 

Similar to Assetz Capital, with Funding Circle there is literally nothing to do once you deposit your money for investment. Funding Circle still hold the top spot for actual £££ income at £795 with an XIRR of 6.44%. There was another loss this month which now brings my actual annualized return (according to FC) to 8.7%. Currently lending to 484 different businesses which is just great diversification.

 

 

 

October 2018 Monthly Update

 

Funding Circle

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Funding Circle Oct Update Account Screenshot 1 Funding Circle Oct Update Account Screenshot 2

 

Funding Circle continues to out-perform the rest of the lenders as far as actual returns go. My target rate is 7.2% however my actual is running at 9.0%.

I did have my first loan go bad since the portfolio was restarted in June, so there is a £48 loss which has been taken from the profit. Defaults are expected and accounted for in the target 7.2% return rate quoted, so they are just something you have to expect with P2P lending. Payments on all of the other loans look to be up-to-date though, so hopefully no more defaults in the immediate future.

I’ve said it before but one thing I do really love about Funding Circle is the way they diversify. My money is lent between 462 business as of today, with no more than .05% of my account value in any single business.

 

 

September 2018 Monthly Update

 

Funding Circle

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Funding Circle Screen Shot 1 Funding Circle Screen Shot 2

As you can see from the screenshots above, Funding Circle continues to deliver. It has produced the top actual returns to date, plus there is another £155 interest accrued but not yet paid.

All of the loans are up to date so far with the next payment due in October.

I really like the way Funding Circle automatically diversifies my investment. My capital is currently distributed between 448 separate businesses with 508 different loan parts.

 

<<< Return to Full Review

 

 

Prior to September 2018, no screenshots were published, however you can still see the full updates below:

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