Busy night playing with the new update! We use 3 mobile, by coincidence we have 3 phones each of which have their own 3 account. That’s 3’s rules, one number, one account. All bills are paid out of one account.
I was hoping it would spot 3 different regular payments but it doesn’t. Not to bothered about that but they’re different amounts so the up down indicator is irrelevant.
What worries me in the list of all the transactions is a bank transfer in from another account, absolutely nothing to do with 3. The value of the transfer isn’t in the 3 explore summary, I’d certainly notice of it was.
Another possible issue with my 3 example, it could highlight 3 every time as a rising regular bill. Two of the payments are around £10 and the third over £20.
Hi @ToBAS so we’ve looked at this example, and the short-answer is that in a couple more months this would automatically split out into 3 separate records. I think you have others where this has already happened?
Our analysis process looks for patterns of transactions with the same merchant. For the company ‘3’, you currently have 10 months of data where your average transaction with them was 1 per month. You have 7 months (more recent months) where you have 3 transactions with them. I think 2 of your phone contracts started later based on the data we see?
The median at the moment is still ‘1’ per month because of this. Hence, at the moment the system is showing them all in one entry.
After a few more months with this consistent spending pattern, it will split out into three entries.
Thanks for taking a detailed look and you’re right, 2 are more recent accounts. Once the median shifts in a few months time, I’m looking forward to seeing them split.
If you’ve mistakenly told Snoop that something isn’t a regular payment but it actually is and you want to be able to put it back on your Regular Payments list, is there a way to do this?
Morning @charlwillis, there’s no way of doing this in the app yet. But if you email into hello@snoop.app and let us know which payment it is, we can adjust manually for you. thanks
You’re very welcome. And yes this is certainly something we want to add to the app in future. Partly to help customers correct a mistake as you’ve described, but partly to enable customers to flag a transaction as regular even if our model hasn’t identified it as such. Definitely on the list @charlwillis. thanks!
Today, 6 of my Amex payments have appeared in my list of Regular Payments, and the Payments Hub is now asking for contract end dates as a result. I pay my Amex bill every few days (as I use it regularly for collecting Avios) so I’m not sure why it’s suddenly started adding these payments to the Regular Payments list as monthly payments?
(I will go through and remove them but curious as to why it happened in the first place?)
Hi @charlwillis in the past we’ve always prevented entries appearing in the regular payments list if you had more than 3 transactions to the same company in a month.
The trouble is we were getting LOTS of feedback from customers who have more than mobile phone contract (for example)… it’s not uncommon for someone to be paying for contracts for themselves, spouses and children (I myself have 4 regular bills sadly !). Also companies like NowTV who charge separate payments (bills) for each component of the TV/broadband package you have with them.
So one of the upgrades in our release last night was to take away that restriction.
For every situation where we solve an example like this, we normally do have the occasional counter examples where this is less useful. Your pattern of Amex payments is one such example.
However, our view is that as it’s quite easy to remove Regular Payments from the list, it’s better to have things appear to at least give that option… if you see what I mean?
Ah I see, and yes that makes sense (as I also have other payments where there’s more than one per month to the same provider so I’m pleased to hear this too!)
I will go through and remove them, and keep an eye out for the future.
!). Also companies like NowTV who charge separate payments (bills) for each component of the TV/broadband package you have with them.