Release Notes

2023-2026

SDX Engage Lending Edition is updated regularly and release notes posted here.

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15 January 2026: v6.2.40

SDX Engage Lending Edition v6.2.40 includes several reporting improvements, and promotes FCA customer vulnerabilites to its own, dedicated section on the customer record.

What's New

• Customer flags and vulnerabilities are split into seperate, dedicated panels

• New Cards Expiring report, listing cards that have expired — or are about to expire — so that you can contact the customer to register a new card

• Letters Scheduled report can now be run for statutory letters, statements and arrears notices so that those creditors not using automated letters can see what needs to be sent

• Loans Issued report now includes sales and demographic information, including information needed for PSD006 and PSD0008

• Area and Section added to Consecutive Misses report

• Consecutive Misses and Rolling Collector Summary reports now run much faster

• Rounds Worksheet now shows contractual arrears, and has several layout improvements

• Current payment schedule and regular payment amount added to the Transaction Report download

• Failed CPA page combined rescheduling has been removed, replaced by a more ergonomic rescheduling of contracts from the individual contract rows

Bug Fixes

• n/a

6 January 2026: v6.2.39

SDX Engage Lending Edition v6.2.39 includes better handling of cancelled contracts., the ability to void contracts that have been issued in error, several performance improvements and bug fixes, and a new Customer Vulnerabilities report.

What's New

• Cancelling a contract sets the reversal transactions at the time of the last transaction recorded against the contract, preventing discrepancies in reconcilation figures between weekly periods

• Contracts issued in error can — and should — now be marked as VOID rather than CANCELLED: loans should only be cancelled if that truly represents what happened, i.e. a loan was cancelled after a payment was taken

• If you have product templates, the ability to choose a Custom product can be removed, so you can ensure that your agents choose valid, current products

• Where supported by your customer's bank, Acquired payments on customer bank statements now include the agreement number for clarity

• Cashflows request now includes agreement number, for easier auditing

• Improved performance when agent rounds are initially loaded

• Ten-fold performance improvement when filtering the Customers List

• Search term on the reconciliation report has been moved into the filter area, and filters are retained (i.e. no longer lost) as you switch between agent and round reconciliation

• Search term on transaction report has been moved into the filter area

• New Customer Vulnerabilities report

Bug Fixes

• Weekly Active Contract Payment now shows the correct, latest payment amount for both live and closed contracts

• Rounds no longer show rejected, cancelled and written off contracts outside the current collection week

• Stopped monthly contract repayment schedules from shifting — depending on month issued — dates when close to end of month (28th, 29th, 30th)

• Downloading a contract or verification document opens a dialog to mitigate a reported Microsoft Edge browser bug which was preventing document download

• Fixed incorrect reporting of arrears on settled contracts in rare scenarios on Contract Balances, Potential Renewals and other reports

• Fixed false error reported when retrying a failed CPA via a secondary card, and the transaction succeeds

18 December 2025: v6.2.38

SDX Engage Lending Edition v6.2.38 includes several reporting improvements, a new "twice monthly" option on Income and Expenditure and significant performance improvements.

What's New

• Report Suite now shows report start and finish times

• Card and CPA error messages now indicate whether SDX or the payment provider (Acquired, Cashflows, Trust Payments) raised the error

• CPA schedule padding now includes a note of the date and time the schedule was recalculated

• Customer's previous address (<3 years) from the Customer Verification panel is now submitted in a TransUnion Call Report/credit check

• New "Twice Monthly" option on Income and Expenditure

• Standing Orders added to Agent and Round Reconciliation

• Postcode moved to a separate column in the Customer Options report

• Consecutive Misses report now allows a minimum of 1 missed payment

• Debt to Income ratio is now behind a configuration flag: if you do not want to use that metric, please let us know

• Improved performance of Failed CPA report

• Improved performance of Contract List

Bug Fixes

• Contracts for new customers are no longer allocated the first round in the list: you must explicitly choose and set the round

• Fixed issue in which the rounds page would sporadically reload/reset as other system users send or complete contracts

• Fixed incorrect Loan Principal totals on Agent and Round Reconciliation export

• Payment dialog now includes CPA (Adhoc) after a non-CPA contract is rescheduled to CPA payments

• Contract Balances report now correctly distinguishes between returning and new customers on refinanced and concurrent loans

• Scheduled Arrears Notices now correctly take into account the contract schedule

• Task completed and other emails now set the creditor's email as the reply-to address

• Fixed issue on CPA pre-contract where an incorrect term was displayed in Section 4

4 December 2025: v6.2.37

SDX Engage Lending Edition v6.2.37 includes automated letters and a significant rework of the reconcilation reports to address discrepancies between Agent and Rounds Reconciliation.

What's New

• Automated customer letters is now available. Please get in touch if you would like us to show you how this works and switch it on for you.

• Agents and Rounds Reconciliation aggregations are now calculated based on the round and agent to which each contract is currently assigned. This aligns the figures between the two and eliminates discrepancies that previously arose after contracts were transferred between rounds or agents.

• Principal and Interest from cancelled loans is shown separately in the Agents and Rounds Reconciliation. Previously, depending on the timing of cancellation it could display misleading figures.

• Retry CPA and Request Payment Link options have been removed from the contract transaction list. Failed CPAs should be managed and processed from the Failed CPA report page.

• New and/or existing customers can be automatically flagged with "Low Financial Resilience". Please let us know if you wish to enable this, depending on your company policy.

• Loan products can be configured with rules on minimum and maximum principal amount; for example you could have a 24 week loan for lending between £100 and £200, a 40 week loan for £200 to £500, etc. Please get in touch if you have lending rules of this type.

• Survey Responses report now includes a total score column at the RHS.

Bug Fixes

• Fixed display of customer flags (if set) at the top of the create letter dialog.

27 November 2025: v6.2.36

SDX Engage Lending Edition v6.2.36 includes payment dialog improvements and several bug fixes.

What's New

• Payment dialog now shows "before and after" balance for the prospective payment, helping to prevent mistakes when entering payments manually

• Non-payment information moved behind a toggle, making better use of screen space on agent tablets

• Pending CPA and card payments are now shown in actual transactions, so in-progress transactions are highlighted, preventing potential duplicate card payments

• Settled Contracts report now includes the contractual last payment date/paid up date

Bug Fixes

• payment dialog no longer records invalid amounts when Enter is pressed without leaving the payment amount input

• payment dialog now defaults to the scheduled transaction in the current ISO week, fixing an issue where the final scheduled payment would be suggested, even though the penultimate payment had not yet been collected and should itself have been the default amount

• Debt to Income percentage KPI refined to include only:

  • Cash Loans Finance

  • Hire Purchase

  • Credit / Store Cards

  • Mail Order

• Refund transactions can now be reversed

• Settled Contracts report now shows correct Interest and % Interest collected values

• Proof of ID, Address and Income verification tasks are no longer incorrectly voided when a contract is edited whilst the tasks are outstanding

20 November 2025: v6.2.35

SDX Engage Lending Edition v6.2.35 is a major feature and bug fix release, including comprehensive support for the FCA's four key drivers of vulnerability and direct support for Cashflows payment processing.

What's New

• Direct support for Cashflows card and CPA processing, reducing the complexity and costs of taking payments - please get in touch for details of potential savings

• Comprehensive support for recording the four FCA key drivers of vulnerability and mitigation measures:

  • Health

  • Life Events

  • Capability

  • Resilience

  Select from preset vulnerabilty flags and reasons, specify an expiry or review date for each flag and record notes and mitigation actions.

• Improved validation of Income and Expenditure to prevent data entry errors:

  • warn if total monthly income exceeds £5,000, which would be flagged up as errors by the FCA on PSD006 submission

  • Expenditure section now displays disposible income percentage to help underwriting

  • Expenditure section now includes a "Debt to Income" percentage KPI, to highlight potentially excessive borrowing as a ratio of income

  • Optional ability to apply a 10% "buffer" to Expenditure; this feature is turned off by default, but if you would like to add a 10% - or other - contigency, please let us know

Bug Fixes

• improved handling of errors in the manage cards dialog

• term interest now accepts decimal places, not just whole numbers

• first scheduled payment must now be at least one day after the agreement date, to prevent strange behaviour

7 November 2025: v6.2.34

SDX Engage Lending Edition v6.2.34 is a minor feature and bug fix release.

This release contains a couple of opt-in features as listed below; please get in touch if you want to take advantage of these capabilities.

What's New

• Proof of Expenditure added as a customer verification document

• If a card payment is currently pending, the system will show a warning and prevent you from inadvertently taking a card payment twice

• All report headers are now "sticky" so that the headers remain shown as you scroll down through the report in Excel

• Contract schedules can be automatically extended (padded) on a weekly basis, so that CPA contracts will collect outstanding arrears without manual intervention or rescheduling [OPT-IN]

• CLOSED loans can be reopened, based on user privileges, for example to fix small balance discrepancies [OPT-IN]

• Start of Loan survey can now be sent at the same time as other contractual paperwork, prior to loan issue [OPT-IN]

• Rounds can now be assigned to Areas and Sections, allowing larger creditors to break down the business for management and reporting purposes [OPT-IN]

Bug Fixes

• Errors encountered during a CPA batch run no longer stops the entire batch

• Restored missing customer kebab menu that was hidden in v6.2.33

• Cosmetic improvements to Area and Section dialogs

30 October 2025: v6.2.33

SDX Engage Lending Edition v6.2.33 includes several scheduling and CPA failure-handling improvements, and the usual bug fixes.

What's New

• If a contract schedule results in a term that is different from the original contract term, it will be clearly flagged, for example:

  • a 10 week contract with a 5 week schedule will report a 50% term delta

  • a 10 week contract with a 12 week schedule will report a 20% term delta

  We have introduced this to help prevent inadvertent mistakes in setting schedules that would result in significantly shorter (which would increase APR and result in unplanned rebates) or longer (which would result in a lower APR/Return on Investment on the affected loan) terms than defined in the contract.

• Reschedule dialog has been improved so that the final scheduled payment, payment type and frequency is "front and centre": this is to prevent unintentional changes to payment types and/or frequency, for example accidentally setting a monthly CPA schedule to a weekly CPA schedule

• Failed CPA report now has options to record the resolution of the CPA failure:

  • manually resolved

  • customer contacted

  • no action required

• "Next 12 Months" date range selection now omits the current day, preventing overlap with "Last 12 Months"

• For larger lenders, rounds can be assigned to an Area and Section for reporting and management purposes

Bug Fixes

• Invalid customer mobile numbers are no longer accepted

• Agreement History report is no longer available for inactive customers, because they have no live loans resulting in an empty report

23 October 2025: v6.2.32

SDX Engage Lending Edition v6.2.32 introduces more flexibility and control over creditor and user settings, and fixes a couple of nasty bugs.

Please contact SDX if you wish to explore and make use of the enhanced options available.

What's New

• Card registration and payment tasks are now sent by both SMS and email (if available)

• Report Suite: all reports now have a worksheet which shows the filter/arguments used to generate the report, for example round, agent, etc.

• Report Suite: Anomalies & Exceptions report now includes DRAFT contracts that are more than one week old, which might mean they have been overlooked and should be followed up with the customer, or are stale and should be VOIDed

• Improved flexibility and control over creditor and user flags and permissions, for example:

  • journal transactions can now be granted to specified users

  • a particular agent could be have restricted or expanded payment options, e.g. cash only, CPA and cash, bank transfer only, etc.

  • a manager might be given the ability to CANCEL a loan beyond the standard 14-day cancellation window

  • the ability to add JOURNAL transactions can be assigned to (or removed from) certain users

  • the ability to write off contracts can be restricted to certain users

Bug Fixes

• Reschedule dialog now correctly reflects the final scheduled collection method and amount for out-of-schedule contracts

• Rounds now shows the current customer contact details ( name, address, etc.) rather than potentially out-of-date information recorded when contracts were issued

• Failed CPAs that are rescheduled via the Failed CPA report page are now correctly marked as resolved

16 October 2025: v6.2.31

SDX Engage Lending Edition v6.2.31 includes a range of improvements and bug fixes.

Significant improvements have been made to the Failed CPA page functionality. The 'Reschedule' button now reschedules the entire contract instead of just the specific transaction. The 'Retry' button now offers three options: 'Retry Now', 'Retry Later', and an additional option to add the failed CPA amount to the next scheduled payment amount.

What's New

• Contract Form & Customer Profile - Added the customer's total weekly repayment amount in the Lending Overview panel.

• New Contract Form - Editing a 'Sent' or 'Returned' contract will cancel all current tasks. A new dialog has been added to communicate this.

• The Letters panel is now available in the Contract details dropdown section.

• An SMS notification is now sent to the customer when sending an Arrears Notice.

• Enhanced Retry/Reschedule functionality added to the Failed CPA page.

Bug Fixes

• Fixed a bug that included stale customer data in the following reports :

  • Contract Balances Report

  • Loans Issued Report

  • Customer Activity Report

9 October 2025: v6.2.30

SDX Engage Lending Edition v6.2.30 includes a range of improvements and bug fixes in contract rescheduling, auditing and reports.

What's New

• Rescheduling now retains historic schedules for auditing purposes

• Customer History report now provides an audit trail of changes made to customer information, for example income and expenditure, showing who changed what, and when

• LIVE and PAID contracts can no longer be VOIDed, preventing inadvertent mistakes

• Report, Customer and Agent and other dialogs automatically focus the search filter to speed up searching

• Call Report now shows meaningful descriptions alongside account type and account status codes

• Contract Form now supports “Survey-Only” creditors

• Contract Form now supports uploading of bespoke application forms

Bug Fixes

• Rescheduling now restricts the first payment date to the contract agreement date, preventing accidental mistakes

• Scheduled and Contractual transactions are now shown correctly in Agent Reconciliation for contracts that have been transferred between rounds

• Rolling Collector Summary now includes write-off transactions

• Rolling Collector Summary now correctly reflects Area and Section summaries

2 October 2025: v6.2.29

SDX Engage Lending Edition v6.2.29 includes numerous improvements to Cashflows payment processing, and reporting enhancements.

What's New

• Numerous Cashflows payment processing improvements

• RegData PSD006 moved to Report Suite, alongside CCR002 and CCR003

• Contract Balances report now shows the total of all contract balances

Bug Fixes

• Agreement History now shows the latest customer address

• Agreement History is now shown in the customer Letters panel, rather than the Report Suite

• Date presets adjusted for past, present and future timescales

• Consecutive Misses report now shows the latest customer details

• Line breaks added to CAIS report

25 September 2025: v6.2.28

SDX Engage Lending Edition v6.2.28 includes support for statutory letters and notices, and several improvements to contract and customer details.

What's New

• Customer details has a new letters panel, allowing you to create, view and download letters generated and sent to customers' vaults

• Last modified date added to Income and Expenditure panels in contract details and customer profile page

• Income and Expenditure can be flagged as "stale" after a number of days have elapsed since the last update, so you could - for example - mark them as stale after six months; this is a configuration option, so please let us know whether you would like to use this capability

• When creating a new contract, loan products are displayed in order, shortest to longest

• Anomaly Report: contracts with high monthly income now include the customer number to make them easier to find

• Transaction Report: remaining balance is now shown on the transactions report/export

Bug Fixes

• Agent Reconciliation Report export now shows the correct principal value, matching the on-screen value

18 September 2025: v6.2.27

SDX Engage Lending Edition v6.2.27 includes enhanced reporting capabilities and improvements to the payment dialog.

What's New

• New Anomaly Report highlighting data that needs attention, e.g. excessive APRs, unusually high monthly income, etc.

• Significant performance improvements to transactions report, both online and within the Report Suite

• New date presets for reports: "Last 12 Months" and "Next 12 Months"

• Rolling Collector Summary shows Areas and Sections with totals and sub-totals

• Payment dialog behaviour improvements:

  • Custom and settlement presets are always available: other presets (scheduled, arrears, etc.) are only available if they are applicable at the payment date

  • Scheduled and custom payment amounts are retained when changing payment date

  • Settlement figure is now calculated correctly for the payment date

• Users will now be logged out after 30 minutes of inactivity, up from 15 minutes

Bug Fixes

• Fixed Transaction export incorrectly returning "No Results" when a text search filter is applied

• Fixed rescheduling final payment date incorrectly adding one extra payment period

• Fixed collection schedule not calculating the final payment date when scheduled period was set "As Contractual"

• Added missing written off figures to reconciliation reports

• Added missing filter control in transaction export dialog

11 September 2025: v6.2.26

SDX Engage Lending Edition v6.2.26 improves the reliability of CPA handing and includes a range of reporting improvements.

What's New

• improved reliability when processing CPA batches with many thousands of transactions

• Customer address and mobile added to Potential Renewals Report so they can be easily contacted

• Bad Debt Codes for Agents report renamed to the more pithy and appropriate Consecutive Misses Report

• If a scheduled CPA payment is pushed back and coincides with an existing scheduled payment, it will be merged into a single payment, rather than taking two separate payments

Bug Fixes

• Fixed TransUnion credit check (Call Report) errors caused by customers having "strange" characters in their name and address details

• TransUnion Affordability Report no longer fails if no match is found

• Fixed rare situation in which payment dialog would show multiple preset options of the same value

• Customer report now respects Agent, Round, Area and Section filters

• Goods and HP loans now correctly show the contract principal when loading old contracts

4 September 2025: v6.2.25

SDX Engage Lending Edition v6.2.25 is a significant release that introduces a new customer profile page, and lays the groundwork for automated letter generation, including first and second arrears notices and statements.

For those creditors on the "new" contract form - allows you to edit customer-related information (name and address, income and expenditure, etc.) directly from the contract form.

Note that the "new" contract form will be become mandatory in the next month or so, and we would encourage everyone to move to the new form as soon as possible.

What's New

• Customer details, including name and address, ID, income and address verification, employment, consent and income and expenditure can now be managed in a dedicated customer profile page

• All customer detail sections can be updated and saved to the customer profile from within the contract details

• Customer request and consent sections are moved into separate panels

• The "new" contract form now has support for Goods and Hire Purchase (HP) contracts - the "old" contract form will be removed in a future release

• Creditor-level controls on backdating o transaction reversals, for example, you can specify that transactions can only be reversed up to ten days in the past; this is part of an ongoing effort to ensure quality of data and prevent mistakes

• Customer list now supports searching of customer notes

• In preparation for automated generation and distribution of arrears notices and statements, the Report Suite now includes:

  • Letters Scheduled report which shows the notices and statements that are scheduled to be sent

  • Letters Generated report which shows the notices and statements that have been generated, ready for distribution to the customer's document vault

• Monthly CAIS data submission is now available in the Report Suite

• Improved display and formatting of dates throughout the Report Suite

Bug Fixes

• Application form now shows the correct customer request and loan application dates

• Cloned contracts no longer inherit the collection schedule of the previous contract

• Rolling Collector Summary now includes write offs

• Agent Reconciliation now includes write offs

• Potential renewals report now calculates against the original loan principal rather than the total payable

21 August 2025: v6.2.24

SDX Engage Lending Edition v6.2.24 is a significant release that includes TransUnion Affordability and Call Report (credit check) capabilities and improvements to the Reports Suite.

What's New

• TransUnion Affordability Report

• TransUnion Call Report , aka credit check

• Significant performance improvements to the Rolling Collector Summary and Agent Bad Debt Codes reports

• Improved display of errors when Acquired transactions fail, giving you more context when problems occur so you are pointed in the right direction to address them

• The PayAll dialog in Rounds and Customer now automatically selects the PayAll option if all contracts have the same payment method

• Comprehensive date and currency formatting throughout the Report Suite, so you can easily use Excel to build upon or enhance the standard reports

• Database performance enhancements - this is an ongoing effort to fine tune the performance of the system

Bug Fixes

• Ensure All Due payment option does not overshoot the settlement option

• PayAll dialog no longer includes contracts that are not due in the current week

• Cancelling a contract now correctly reflects capital and interest apportionments on the "reversal" transactions

• CPA batches will now run even if a previous batch is still running, fixing a rare case in which batches containing thousands of Acquired CPA transactions would take longer than five minutes

7 August 2025: v6.2.23

SDX Engage Lending Edition v6.2.23 focusses on security and stability updates, ahead of a range of major improvements and new capabilities during August.

What's New

• Manage card dialog can now mark inactive or remove any card: a Primary card is no longer mandatory

• Rolling Collector Summary report can now be filtered using ISO week and year numbers

• Cosmetic improvements to contract clone dialog

Bug Fixes

• fixed rare issue in which contract transactions are "doubled up" where loans are activated by agents using the dual signature capability

31 July 2025: v6.2.22

SDX Engage Lending Edition v6.2.22 is a feature and bugfix release.

What's New

• contract summary rows in contract list, customer list, rounds customer visit and lending overview now show the current payment schedule rather than the original contract schedule; they may be one and the same, of course, but the current schedule is most important

• Date filter has been improved, and now includes yesterday, tomorrow, year to date and rest of year

• Reconciliation report now defaults to Rounds instead of Agents

• Reconciliation report export now includes a totals row

Bug Fixes

• rescheduling a contract now saves the last applied frequency instead of attempting to infer it from recent scheduled and actual transactions, which could lead to errors

• Fixed closed contracts incorrectly reporting DRAFT status in customer visit and lending overview sections

• Leading and trailing space is now removed from all text fields in the contract form, preventing manually entered agreement numbers with trailing spaces causing signature issues

24 July 2025: v6.2.21

SDX Engage Lending Edition v6.2.21 is a minor feature and bugfix release.

What's New

• admin users can now reset user lockout status and send out login linkgs to other users from the Company Setup page

Bug Fixes

• Reconcilication Report export now respects agent and round filters

• Users that are locked out because of incorrect PIN entries are now locked out for 15 minutes as stated, rather than one hour

17 July 2025: v6.2.20

SDX Engage Lending Edition v6.2.20 is a feature and bugfix release, with minor cosmetic improvements.

What's New

• Purpose of loan is now mandatory in the Customer Request section

• Configuration option to restrict contract activation to week of the loan's issue

• Cosmetic layout improvements to contract rows in the customer list and contract form lending overview section

Bug Fixes

• fix to prevent payments being recorded against settled contracts

10 July 2025: v6.2.19

SDX Engage Lending Edition v6.2.19 is a feature and bugfix release, with improvements to rescheduling and improved filtering on the reconciliation report.

What's New

• rescheduling dialog now opens much faster and has an improved algorithm for selecting the most appropriate scheduled collection period

• reconcilation reports now include agent and round filters, to make it easier to hone in on the agent or round you wish to look at

• ability to configure collection options for admin and agent users, for example: admin might record cash, card and bank transfer payments; agents may be configured to record collect cash payments only

• ability to control whether Card (Manual) and CPA (Manual) are presented as collection or payment options

Bug Fixes

• rescheduling enforces a minimum £1 payment to prevent the creation of invalid payment schedules comprising thousands of zero payments

• fix to prevent multiple clicks on approval process dialog buttons issuing multiple, duplicated notes and tasks

• fix to export dialog on reconciliation report: you can now export the results of the reconciliation report as an Excel file, as previously

• fix to PayAll dialog for creditors that do not process CPAs

• missing Issue Date column restored to the Loans Issued report

4 July 2025: v6.2.18

SDX Engage Lending Edition v6.2.18 is a minor feature and bugfix release.

What's New

• today line in transaction list now has a label TODAY to make it clearer

• customer addresses display postcode first, rather than last in summary views

Bug Fixes

• cloning a contract now clears Request Amount, Application Date, Purpose of Loan and Date of First Payment fields, so they must be entered for the new loan

• products where regular payments are calculated as a fraction of the loan principal now correctly fall back to evenly dividing the total payable if the product (or custom loan) does not have a scalar

1 July 2025: v6.2.17

SDX Engage Lending Edition v6.2.17 is a feature release which includes proper handling of capital and interest apportionments and significant improvements to the new contract form.

This release also includes a major database upgrade, and the addition of real-time monitoring to help us monitor and improve performance over the next few months.

What's New

• Reconcilation report now shows capital and interest elements of opening and closing balances, aka "apportionments"

• Rolling Collector Summary report to monitor collection performance between two dates

• Contract form includes a new Lending Overview section with customer summary, loans, flags and notes to support the underwriting decision

• Contract row details enhanced across the system: customer list, contract list and agent customer visits

• Agent lists sorted alphabetically and searchable on full agent name

• Credit and Debit transactions have been deprecated in favour of the more capable Journal transaction

• Various improvements to CPA processing

• Layout and formatting improvements throughout the Report Suite

Bug Fixes

• Fix agents being able to reschedule transactions via the transaction report

• Fix "doubling up" of CPA payments, where a single payment was taken but two transaction entries were recorded

19 June 2025: v6.2.16

SDX Engage Lending Edition v6.2.16 provided improvements to the customer list and several bug fixes.

What's New

• In customer list, expanded contracts now show "at a glance" figures, similar to the rounds page

Bug Fixes

• In rounds, rebates are now considered as outbound transactions, consistent with the reconciliation report

• Fix readonly input fields that prevented users from selecting text or scrolling long notes

• PSD006 RegData report now reports length of term in days, rather than weeks

17 June 2025: v6.2.15

SDX Engage Lending Edition v6.2.15 delivers several improvements and bug fixes to the Report Suite.

What's New

• Report Suite shows the start and end date for completed reports, where appropriate

• Report names, columns and formatting (currency, date, percentages) have been standardised across the report suite

Bug Fixes

• Reports that contain no data or rows are shown as failed, rather than returning a blank Excel report template

• Download button disabled while reports are running, and where reports fail to run

• Generated reports now show the correct time in BST or GMT

9 June 2025: v6.2.14

SDX Engage Lending Edition v6.2.14 is a significant release, introducing a comprehensive reporting suite that includes a range of management reports.

What's New

Report Suite

Report Suite

• select the report you wish you run and set filter criteria

• reports are generated in the background, so you can quickly run a series of reports

• list and filter reports generated by agents and administrators

Bug Fixes

• fixed error when activating a contract without sending paperwork in legacy contract form

22 May 2025: v6.2.13

SDX Engage Lending Edition v6.2.13 is primarily a bugfix release.

What's New

• Rounds now automatically update on contract changes and collections

Bug Fixes

• fixed refinance auto-settlement issue following dual signatures

• fixed incorrect balances on transaction report

19 May 2025: v6.2.12

SDX Engage Lending Edition v6.2.12 adds a new customer flags/vulnerability report and collection improvements .

What's New

• Customer flags (vulnerability) report - this will be enhanced over the next couple of releases to reflect the four key drivers of vulnerability: Health, Life Events, Resilience and Capability

• Split payment (aka PayAll) now shows contract principal and terms to make it easier to allocate payments

• Contract terms are shown in the customer visit section on agent round collection, providing an "at a glance" of the contract

Bug Fixes

• Fixed login issues for customers accessing documents from America and other "negative" timezones

• VOIDing a contract now respects contract status and configuration

• Fixed error when calculating payments on non-weekly contracts

• Changes made when editing customer details are now instantly reflected in their rounds visit

12 May 2025: v6.2.11

SDX Engage Lending Edition v6.2.11 adds the ability to take adhoc CPA payments and fixes some round layout issues.

What's New

• Agent users home page is now the Rounds page

• Adhoc CPA collections are available to all admin users, and can be enabled for agents; an adhoc CPA payment behaves the same way as a standard card payment, but does not require the 3-digit CVC, so it should be used responsibly and with the permission of the customer

Bug Fixes

• fixed error when taking a split payment via card

• fixed status icons shrinking on small devices for non-payment and failed CPA customer rows

9 May 2025: v6.2.10

SDX Engage Lending Edition v6.2.10 is a significant release, introducing a range of management reports , more flexible rescheduling, the ability to take adhoc card payments with customer approval and split payment support for card and cash payments.

What's New

• Subject to customer consent, which you should document, you can now take adhoc card payments from CPA contracts without the need to enter the 3-digit CVC

• Rescheduling now allows you to change both the date and the amount of upcoming scheduled payment(s); please use this facility responsibly, and double check the resulting schedule to make sure it makes sense!

• Dual signature capability on funds transfer: the agent and customer sign confirmation of funds transfer on the agent device when funds are issued; this is particularly important when loans are refinanced and the loan principal is paid net of the settlement payment. On completion, the signed document is lodged in the customer's vault

• Contract refinance can now be restricted based on the elapsed term

• Split payment support for card and cash payments: record payments on multiple contracts from the customer list and rounds pages, splitting the amount across a selection of active contracts

• Affordability (based on Disposible Income percentage) calculation refined to include/reflect the customer's payments on active loans

• Affordability icon ranges, as percentage of maximum Disposible Income:

  • circle 0% to 90%

  • diamond 90% to 100%

  • triangle 100% +

NEW REPORTS

This release includes six new reports, all of which are available in Excel and can be used for further analysis, submitted to your accountant, etc.:

• Application Data Summary: lost of loans issued in the specified date range

• Agreement History: full history of customer contracts and payments

• Loan Details List: list of loans, grouped by round

• Potential Renewals: list of potential renewals, based on percentage of principal paid and payment performance

• Unearned Interest: shows remaining, uncollected interest on live contracts

• New Customers: list of new contracts, indicating new and returning customers

Bug Fixes

• Payment failure emails are no longer sent to customers where there is an error with Acquired or the customer has no card

• Contract refinance option is no longer available on contracts that are not Live

• Fix CPA form showing figures from previous contract if a task had been sent (from previous contract) before the CPA form was signed

10 April 2025: v6.2.9

What's New

• Agent rounds page - additional info:

  • Amount collected visible for each customer in customer list

  • Customer number at top of their contract list

  • Loan principal in each customer contract row

• Contract overview panel modifications:

  • Moved date issued

  • Added loan principal

• New contract form more clearly shows which sections are required or optional

Bug Fixes

• Handover mode pop-up (redirect) no longer blocked on iOS

• Restored customer postcode to the contract balances export

• New contract form - Correctly scale scheduled payment amount and term for non-weekly contracts

• New contract form - Fix task toggling being disabled for admin users when approval process is enabled

• Fix contract reschedule setting a payment provider for creditors with no payment provider

• Fix rounds page totals differing from agent reconciliation report for transactions recorded on midnight at the start of the week

• Fix rounds worksheet not handling BST

---

27 March 2025: v6.2.8

SDX Engage Lending Edition v6.2.8 is a maintenance release, focused on laying the foundations for powerful reporting options in future releases.

What's New

• New contract form now supports for products with regular payment illustrations, e.g. 25 weeks, 50% term interest, regular payments of £3 for every £50 borrowed; this helps to avoid "messy" regular payments due to even division of total payable

• Failed CPA report loading performance improvements

Bug Fixes

• Deactivated products will no longer appear as options in the contract form

• Agent reconciliation collection figures are now aligned with transaction report

---

19 March 2025: v6.2.7

SDX Engage Lending Edition v6.2.7 is mainly a bug fix release.

What's New

• Agent rounds page now shows Acquired success/failure dialogs when making payments or registering cards

Bug Fixes

• Restore option to record manual card payments for users with payment integration

• Fix incorrect scheduled/contractual payment plans on contracts that have been modified after sending paperwork

• Activating a contract will now always create the contractual/scheduled payment plans from the contract "at this moment"

• Changes to agreement or schedule should always be sent to customers as new paperwork to read/sign, but we don't mandate this

---

13 March 2025: v6.2.6

SDX Engage Lending Edition v6.2.6 is mainly a bug fix release.

What's New

• Register Card task can now be sent from the contract overview kebab menu in the Contracts List

• Support for customer income fields on income and expenditure: note that this only applies if you do not use the standard CCA Application Form, and you will need to contact us if you wish to add new income categories

Bug Fixes

• Transaction date and time is now available when recording a non-payment for a CPA transaction

• Rounds are only considered "out of schedule" when there is no scheduled payment due in the current week

• Fixed issue in which £0 CPA payments were attempted and failed because they are (correctly) considered invalid by Acquired

• Fixed contract button state issues for those creditors with a formal approval process

---

6 March 2025: v6.2.5

SDX Engage Lending Edition v6.2.5 is mainly a bug fix release, but does lay the foundation for a range of reports that will be made available over the next couple of months - watch this space!

What's New

• Agreement History Report avaiable from the contract overview kebab menu; this is the first of several new reports that will be made available over the next few weeks

• Contracts that are out of schedule are now marked "Out of Schedule" and appear due in the Rounds (Agent Application)

• For creditors that use the contract approval process, admin users can now send tasks on new contracts

Bug Fixes

• Computed fields now show correctly on pre-contract paperwork

• Area and Section flag handling now works correctly

• Approval process statuses are now available in the contract list filters

• Transactions are now sorted by timestamp and customer name for better visibility

• Fixed zeros appearing in contract overview drop-down meny when a contract is settled

---

26 February 2025: v6.2.4

Hot off the press, SDX Engage Lending Edition v6.2.4 has several value improvements and bug fixes that did not quite make it into yesterday's release.

What's New

• New "Handover Mode" for agents to use when visiting customers that do not have a mobile telephone

• CPA transaction export now included card details and customer mobile

• Customer export is now in Microsoft Excel format

Bug Fixes

• Contract-related tasks toggle behavior quirks are now fixed

• Several layout improvements on tablets

• "This Year" filter on Reconciliation Report now shows the full year

• CPA-related tasks are now shown or hidden, dependent on the chosen payment type

• CPA form payment frequency shown for backward compatibility

---

25 February 2025: v6.2.3

SDX Engage Lending Edition v6.2.3 is a minor feature and bugfix release.

What's New

• Contracts that are out of schedule are always considered to be due for payment

• Payment requests now show the amount due on the customer task page

• Agents can now reverse payments recorded within the current collection week

• On the new contract form, the funds transfer fields are now optional

• Agents can now activate contracts once all contract tasks are completed

Bug Fixes

• The most recent customer email and mobile is now used whenever sending tasks for older contracts

• Removed "Rejected" status from contract filtering for those creditors which do not have a formal review process

• Payment dialog now shows the correct settlement figure with respect to the chosen payment date

• Verification tasks no longer block the download option on Safari

• Round selection no longer disappears when loading contracts

• Pre-contract form is correctly populated when using annual or fixed term interest

• CPA report fixes

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13 February 2025: v6.2.2

Hot on the heels of v6.2.1, SDX Engage Lending Edition v6.2.2 delivers improvements to the rounds module, and several bugfixes.

What's New

• "Paid" status is renamed "Settled" to make it clear that the loan has been settled

• Improvements to rounds:

  • Expected payment amount is now shown with contract number and payment method

  • Customer list within a round can now be filtered by customer number

  • Actual collected amount is now shown alongside the pay button and arrears indicator

Bug Fixes

• Recording payments larger than scheduled amount is no longer marked as partial

• Recording payments smaller than scheduled amount is now marked as partial

• For those creditors with formal approval procedures, review and approval dialogs now display correctly

• Completion statuses of all sections on the new contract form now display correctly

• Collection method is now optional on the new contract form

• Cloning a contract now clears the agreement date

---

11 February 2025: v6.2.1

SDX Engage Lending Edition v6.2.1 is a feature release, with a range of improvements to contract filtering, exports and failed CPA handling.

What's New

• Contract list status filters are now grouped by contract lifecycle: Draft, Live and Closed

• Contract list status column now displays consistent status labels and context iicons

• Contract balances export now includes arrears amounts

• Transaction export is now in Excel format: all exports and reports will transition to Excel over the coming months

• You can now resolve a failed CPA by taking a payment using a method of your choice, using an improved payment dialog

• Various improvements to failed CPA page:

  • amount requested is displayed on each row, so it is immediately visible without drilling down into the details

  • improved visibility of payment requests and transaction rescheduling

  • payment type is now visible in payment history, which is useful when resolving failed CPA payments by other means, e.g. cash or card

• Activating a contract that is the result of refinancing will automatically settle the associated contract that has been paid from the new loan funds

• Concurrent vs Refinance Illustration document can now be added to the customer's document vault.

Bug Fixes

• Date of first payment is now cleared on cloning or refinancing an existing contract

• Payment summary now displays the correct information when refinancing a contract

• Customer summary now shows the correct Total Payable for currently active loans

---

30 January 2025: v6.2.0

SDX Engage Lending Edition v6.2.0 is a major release, laying the groundwork for a number of important upcoming features that will be rolled out over the next six months.

Those with custom branding should note that we have unified and simplified branding, and no longer support custom logos; this is to provide a consistent look and feel across the board.

What's New

• PAID contracts are now automatically CLOSED 14 days after the last recorded payment

• Rounds and Agents reconciliation is now downloadable in Excel format, and contains new columns for Scheduled and Contractual Arrears

• Customer ACTIVE status has been added to the Paid/Closed contract report, so you can easily see if a customer has other active loans

• The new contract form, which will soon become the default for all users, intelligently sets the payments schedule; for example, if a weekly loan is scheduled to be collected every two weeks, then the scheduled collection amount is double the weekly amount

• By default, monthly contracts scale the regular payment by 4.5 rather than 4, to avoid monthly payers sliding into arrears; you can adjust the figures as you wish

• For CPA collections, the card details are now automatically set to the customer's Primary Card for those who use Acquired card processing

• The card used for the CPA can be set by the creditor using the "Manage Cards" option, or can be delegated to the customer using the card registration task

Bug Fixes

• Rescheduling no longer adds an "undefined" note if no rescheduling reason is picked

• Transaction reversals now correctly update the contract modified timestamp, and if a final payment is reversed, the contract status will revert to LIVE

• In rounds, CANCELLED and REJECTED contracts are now handled in the same manner as CLOSED contracts

• Customer walk-order time background colour fixed

• Cancel option is now available on the new contract form; previously it would occasionally disappear for no good reason

• Fixed several issues with customer ID and address verification tasks

• Fixed issue in which application dates and request dates were being set to 1 January 1970 on various digital paperwork

---

22 January 2025: v6.0.40

What's New

• You can now set the date and time of notes

• "Card (Manual)" payment option has been removed for those with card and CPA payment integration

• For those with no payment integration, "Card (Manual)" payment option has been renamed to "Card"

• Card and CPA contracts now default to sensible payment options based on creditor settings

• Transaction reversal has been reworked to VOID the original transaction: effectively, the transaction never happened

• Feedback improvements when sending tasks

Bug Fixes

• Collection and complaint notes now appear correctly in the customer notes section

• Fix customer notes showing twice in transaction report expanded row instead of flags and notes

• Payment links are now correctly generated for customers that don't have both email and mobile

• Journal dialog now shows correct "before and after" balances

• Spacing on multi-line text area inputs is now consistent

• Fix new contract form marking all tasks as selected

---

8 January 2025: v6.0.39

What's New

• Notes and customer flags can now be edited

• Notes in the contract list show relevant contract-specific notes, together with customer notes

• Notes in the customer list show only customer notes

• Notes are paginated as needed for ease of navigation

• Customer export provides options to export all/active/inactive customers

• Contractual loan period is constrained to weekly by default, to prevent misentry of weekly loans that are paid fortnightly, four-weekly or monthly

• Layout and styling improvements

Bug Fixes

• Custom scheduled terms are now correcltly loaded in the new contract form

• Journals can no longer be applied to CLOSED loans

• SENT and CLOSED contracts no longer allow reversal and refunds of actual transactions

• SENT and CLOSED can no longer be rescheduled

• Transaction list report now runs only once when run

• Fixed inconsistent expandable row spacing

---

11 December 2024: v6.0.38

What's New

• Refunds accept custom date and time, type, and amount

• Selecting refund from a specific transaction populates type and amount from given transaction

• Paid/Closed contract export

  • Export contracts that were paid up within a given start/end date range

  • Similar to contract balance export, includes date of last payment and rebate amount isued

• Non-payment reason is now required

• Transaction report no longer runs on page load; select and apply filter terms first

• Reconciliation report no longer runs on page load; select and apply filter terms first

Bug Fixes

• Cancelled tasks now updated correctly in contract form

• Fix rare scenario where a closed contract is changed to sent when a survey is completed against it

• Fix "ripple" animation playing on disabled buttons

• Replace "Card (Manual)" and "Card (Acquired)" from the refund dialog with "Card"

---

28 November 2024: v6.0.37

What's new

• Filter input fields - Added ability to type in search terms to filter the list of options

• Fixed contract balance in overview showing on draft, closed, and void loans

• Options for different regular payment algorithms, now divides evenly by default

• Updated the read-only field style

New 'Failed CPAs' page:

• New 'Failed CPAs' page added to the system, option in the Management section of the main menu

• Manage failed CPAs for both singular and combined payments, including options to retry and reschedule payments (A future release will include options to; take ad-hoc payments and send the customer a payment task)

• Combined payment options enable a new custom amount to be specified for each failed scheduled payment

• Dropdown sections include a customer summary and failed payment rows with payment history for easy tracking of all transactions related to the failed CPA

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21 November 2024: v6.0.36

We are pleased to announce the release of the new contract form design, which is an opt-in feature.

• The initial release is only suitable for term interest-based loans

  • Additional loan types, including Goods and Hire Purchase loans will be available in upcoming releases

• An opt-in approval process workflow has been established for companies that wish for their Agents to submit an application to the Office for management's review and decision-making.

• The legacy contract form will be phased out once all users have transitioned to the new contract form

What's new

New contract form - Opt-in feature:

• Restructured form for improved usability and efficiency

• Summary sections have been added, including four lending statistics, to provide a clearer understanding of the customer’s situation.

• Top-level rows for each section indicate the current status and key information for easy scanning of the overall form

• Mandatory fields have been defined to ensure efficient RegData reporting

• Approval process workflow - Opt-in feature:

  • A Review button has been added to the Agent's workflow

  • Decision-making buttons have been added, including pop-up dialogs for adding notes to communicate the reasons for decisions between the Office and Agents.

  • New statuses have been added to facilitate easier tracking of applications

    • The new statuses are included in both the Contracts list and the Rounds application

    • The filtering options in the contract list now include the new statuses

• Contact Consent options have been added to the Customer Requests section

• A Customer Verification section has been added to enhance the management of verification documents

• Income and Expenditure sections have been restructured for improved usability

• The Loan Agreement section has been restructured, with read-only statistics relocated to the loan summary section

• Loan products now work efficiently within the Loan Agreement section

• The payment schedule has been relocated to the Collection section and supports different terms, periods, and amounts that differ from the original contractual agreement

• A new Loan Funds section has been added to record the transfer method and transaction date.

  • The bank account fields have been relocated to this section

• Survey tasks have been moved into their own section

Please contact us to discuss how to begin using these new opt-in features.

Contact Us

Hotfix

• Payment dialog now always allows custom payment amounts to be entered

• System option to default the payment dialog date/time to the contract scheduled transaction

• Beta support for refinance contract & illustration document

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14 November 2024: v6.0.35

What's new

• Performance and stability enhancements

• Support for upcoming flexible contract payment schedules and term interest-based repayment

---

24 October 2024: v6.0.34

What's new

• Launched the new Rounds design, that provides Agent-focused functionality:

The original rounds page will be removed in a future release (approx. 2-4 weeks), to allow time for users to transition to the new design.

Rounds (New) Demo 2024

• Customer Vulnerability flags functionality added - view & create flags for customers

• Agents now allowed to send statements & arrears notices if required, creditor flag "agentAccessLetters"

• Notes are now inserted whenever a letter is "sent" or "downloaded" for better auditing of customer communication

Bug Fixes

• Fixed missing pagination controls in Rounds (new) when updating customer walk order times

• Rounds worksheet now prints the rebate at the time of the scheduled collection

• Declined Acquired payments now show correct status

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3 October 2024: v6.0.33

SDX Engage Lending Edition v6.0.33 is a feature and bugfix release, offering more flexibility in settlement and rescheduling of contracts.

What's New

• Rebates and settlements can now be pre- or post-dated: they are no longer restricted to the current week, so backdated settlements will reflect the rebate (if any) due at that time

• Contract rescheduling now allows the number of remaining payments to be changed, allowing for more flexible final payments that are larger or smaller than the regular payments

• Rounds worksheet now shows both the last collection note made against a customer and the collection notes on the contract itself

• Rounds worksheet now show collection times in 24 hour clock format

• Improved monitoring of Acquired CPA collections

• Refunds now shown as a separate item on agent and round reconcilation reports

Bug Fixes

• Statement of Account with very large numbers of transactions now prints correctly

• Cloning a contract will now correctly retain the assigned round

• Contracts with different final payments now show the correct total payable on the collection sheets

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26 September 2024: v6.0.32

What's New

• Send a payment request for any amount, which creates a payment link in the customer's vault

• New filters added to the customers list

• The reasons for declined payments now have improved descriptions

• New transaction type "Refund" has been added to more accurately account for refunded transactions and amounts

• Capital & Interest apportionments are now calculated and stored when a payment is recorded

Bug Fixes

• Fixed customer count inaccuracies between the metrics panel and customer export

• Daily metrics (credit, customer counts) have been repaired and now run reliably again

• Failures when requesting an Acquired payment are now handled gracefully

• Error indicators in loan application details have been fixed to always show fields in error

• Arrears letters can now only be sent for contracts in contractual arrears

• Arrears/Credit on statements and arrears notices now displayed as positive figure

• Statements and Arrears letters now use more formal language

• Round and Agent Reconciliation reports now show rounds or agents that have no transactions in a given period

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31 August 2024: v6.0.31

What's New

• Search boxes have visible indicator when in focus

• Write off report

• More formal wording in arrears notices and statements

• Second arrears notice

• Update contract and customer overview panels to display scheduled and contractual arrears

Bug Fixes

• Load latest customer data in Rounds (new) when viewing customer's contracts

• Fixed some search boxes not having a button to clear text

• Fixed scenarios where sending proof of id/address tasks would incorrectly mark a Live contract as Sent

• Fixed case where contract could be activated multiple times

• Restored missing payment button in actionable contract rows (new Rounds)

• Fixed emails from letters not sending to customers

• Reconciliation report now shows rounds with no transactions for the given period

Hot fixes

• Fixed tasks completion email not sending to customers

• Sending proof of id/address tasks no longer reverts Live contracts back to Sent/Returned

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21 August 2024: v6.0.30

What's New

• Enabled support to restrict payment type options available in the payment dialog

  • All users have all payment type options available by default

  • Contact us if you'd like to restrict the payment type options

• Reconciliation Report - Summary section updated to include opening and closing arrears totals

• Contract Summary - 'Due' payment data prioritises displaying the payment due this week over the next scheduled payment

Bug Fixes

• Paid/Closed contract period numbers now refer to the current period instead of the final payment period

16 August 2024: v6.0.29

What's New

• Balances and contract arrears across the application are now displayed as positive figures to align with industry standards

• Reconciliation report lists are now paginated for large data sets

• Payment button is now available on all live contract summaries

• Non-payment transactions will now display 'Non-payment' before the payment type in the transaction list

• Renamed "Health Warning" task to "Memorandum of Understanding" to align with FCA standards

• 'Actual' transactions can only be recorded for the present day or a past date, not a future date, to avoid data errors

• Payment link for a 'Failed CPA' will now be delivered by email and SMS

Bug Fixes

• FIxed issue where "Arrears Notice" letter could not be downloaded

1 August 2024: v6.0.28

What's New

• Added "out of schedule" column to Contract Balances export

• Customer summary now includes "Closed" contracts

• Non-payment transactions are explicitly indicated in transaction list

  • Previously these transactions indicated payment method and a value of £0.00

  • The payment method is now also prefixed with "Non-Payment"

Bug Fixes

• FIxed issue where "Arrears Notice" letter could not be downloaded

17 July 2024: v6.0.27

What's New

• CPA payments are "bulked" into a single payment for multiple customer loan payments taken at the same time

• Payment dialog now defaults to full arrears plus schedule

• "This Week" and "This Month" options added to transactions report filter

• Required form fields are marked with an asterisk (*)

Bug Fixes

• Layout bug fixes in the reconciliation report

• Forms will now only show the error border after being interacted with

• Income of borrower now populated from income fields on PSD006 Report

• Time pickers are now fixed to 5 minute increments

• Download is now the "Primary" button on Letter dialogs

• Balances no longer shown as bracketed in customer letters

• Repayment term is not correctly populated in customer letters

10 July 2024: v6.0.26

SDX Engage Lending Edition v6.0.26 is a feature and bugfix release, offering the ability to download statements and arrears notices for review, printing and posting.

What's New

• Download Statements and Arrears Notices for review, printing and posting

• RegData PSD006 automatically calculates monthly income from income and expenditure

Bug Fixes

• Repayment term now shows correctly on Arrears Notice

• Layout fixes to reconciliation report

• Reverse transactions added back into transaction kebab menu

• FIx transaction date picker being limited to the current week

• Fix contracts and rounds worksheet incorrectly reporting arrears when scheduled payments are close to midnight (BST/GMT issue)

• Fix RegData PSD006 incorrectly formatting loan term

4 July 2024: v6.0.25

SDX Engage Lending Edition v6.0.25 is primarily a bugfix release, addressing several issues entering payments.

What's New

• Enable and disable notification emails on CPA transaction success and failure; for example, you may wish to receive CPA notification emails only when a transaction fails.

Bug Fixes

• Enforce entry of a round before a contract can be saved

• Fix transaction date being limited to today only in payment dialog

• Fix non-payment transactions only offering January 1 1970 in payment dialog

• Fix missing retry CPA payment option in transaction list

• Fix stored customer card expiry date incorrectly populating contract collection expiry date

19 June 2024: v6.0.24

SDX Engage Lending Edition v6.0.24 is a feature and bugfix release, with significant improvements to performance of rounds and agents reconciliation reports.

What's New

• New agent and Round filter options on the transactions report

• Send first Notice of Arrears

• Export transactions directly from the transactions report, respecting the filters applied, which allows you to hone in on the transactions you want to review

• New date presets "Year to Date" and "Rest of Year" added to reconciliation report

• 200% improvement in performance of reconcilation report

• Reconciliation report filter now includes agent name

Bug Fixes

• Missing "Write Off" option added to transactions report filter

• Reports now properly respect GMT and BST, so that only loans and transactions that occur during the specified time period are included in the respective reports

• Fixed null:null message in transaction report

• Only LIVE transactions are now considered for next and previous scheduled payments

• Various UI tweaks and fixes

12 June 2024: v6.0.23

SDX Engage Lending Edition v6.0.23 is a minor feature and bugfix release, and includes the optional capability to use "canned" product.

What's New

• Option to define and use "canned" product, for example "28 week loan with 40% Term Interest"; please let us know if you want to use this facility

• Filter transaction report by Agent and Round

• Information, Warning and Error flags on transaction report to highlight discrepancies

• Failed payments now show non-payment reason on transaction report

• Rounds in the reconciliation report are now ordered by day of week, and then round name

Bug Fixes

• Collection time on filtered rounds now shows correctly

• Document uploader now works correctly with password-protected PDFs, such as bank statements

• Document uploader now deals with PDFs that have blank pages

5 June 2024: v6.0.22

SDX Engage Lending Edition v6.0.22 is primarily a bugfix release.

This version provides an option to edit contracts that are LIVE or PAID.

This should be considered a "Power User" option because it allows you to edit contract details such as income and expenditure after the loan has been issued.

Please get in touch if you want to enable this on your system.

What's New

• Contracts screen now shows current balances in Status column

• Statement cover page for print and post

• Statements are now available on PAID and CLOSED contract

• Contracts that are LIVE or PAID can be edited, for example to update income and expenditure; this is available on an opt-in basis - contact us at [email protected] if you wish to enable this Power User option

Bug Fixes

• CPA retries are now working

• Statement transactions shown in date order

• Statement summary arrears and balances are now correct

• Transaction report summaries now refresh after rescheduling

• Contract overview now refreshes after rescheduling

• Card details now save properly

• VOIDing contracts that are not assigned to a round no longer errors

• Reverse transaction option removed from non-payments

29 May 2024: v6.0.21

SDX Engage Lending Edition v6.0.21 concentrates on improving performance in all areas of the system.

Performance optimisation is an ongoing effort, so if you do notice areas of the system that feel slow, please let us know and we will investigate.

What's New

• Significant performance improvements across the board; in some areas, system response times have improved ten-fold, and the system should feel much snappier and responsive

• You can now send statements to customers, directly into their document vault, using the kebab menu on the contract overview

• Customer email updates are reflected on Acquired, keeping SDX and Acquired in sync for data protection and compliance purposes

Bug Fixes

• CPA batch routines improved to cope with large transaction volumes

9 May 2024: v6.0.20

SDX Engage Lending Edition v6.0.20 is a significant enhancement release, with improvements to contract filtering, dedicated Proof of ID and Proof of Address tasks as the key features.

Over the next few weeks - as requested by many of our users - we will make major improvements to our filtering and sorting, throughout the system.

What's New

• Improved contract filtering; you can now filter by a combination of Agent, Round, Status, Date Range and text search criteria

• New customer onboarding tasks, comprising:

  • Proof of ID

  • Proof of Address

• You can now create a customer vault without needing to first send CCA Digital paperwork, giving you flexibility to work the way that you want to work, even if you don't use CCA Digital paperwork

• Agent user privileges can now be controlled at a more granular level, paving the way for assigning capabilities depending on the agent's role; individual agents can now be granted or revoked access to capabilities, including:

  • Activating and closing contracts

  • Voiding contracts

  • Rescheduling payments

  • Adding credits and debits to an account

  • Reversing transactions

• Agents can submit applications for office approval if they do not have the authority themselves

Bug Fixes

• Email and SMS messages are now sent to the latest email address and mobile number stored against the customer in question

• Reconciliation report now deals correctly with non-cash transactions

• Removing a card now removes it from the respective customer's Acquired portal, which keeps the card list current

1 May 2024: v6.0.19

What's New

• Support for auto-generating customer and/or agreement numbers

  • Numbers consist of a set prefix and an incrementing number, which can be padded with leading zeroes

  • This feature is opt-in, contact us to get set up

• Added "Monthly Income" text field to contract Employment Information section for RegData

• Transaction report time range presets updated

  • Date presets now span the calendar week, month or year instead of relative to the current date

  • Weeks span from Monday to Sunday

  • Options for last and next year

  • Options for this week and this month

Bug Fixes

• Exports and reports missing transactions that are close to midnight during BST

24 April 2024: v6.0.18

SDX Engage Lending Edition v6.0.18 is a significant enhancement release.

What's New

• Transactions Report now shows Contractual and Scheduled payments so that you can see upcoming card payments under CPA

• Individual CPAs can be rescheduled directly from the Transactions Report

• Transactions Report can be quickly filtered by useful time periods, for example, last week, next week, etc.

• Administrators can remove customer and contract notes

• Unused cards can be removed from the list of registered customer cards

• "Family Bereavement" option on non-payment dialog

• Bank account name added to bank details oncontract agreement panel, for direct bank transfer of funds

Bug Fixes

• Reconcilation report now respects GMT and BST

• Removed the hard-coded 75 transaction limit in contract actual, scheduled and contractual transactions panel

Other

• Major back-end reworking to notes, expect better load/save performance and more advanced notes capabilities in future releases

17 April 2024: v6.0.17

SDX Engage Lending Edition v6.0.17 is a minor enhancement release. The main feature is the ability to export customers to Excel.

What's New

• Customer export listing customer details, including:

  • name and address

  • DOB, mobile and email

  • total lending

  • current status: Active or Inactive

  • current balance

  • date of last loan

  • date of last payment

  • number of live and paid-up loans

• Large currency values are displayed with thousand seperators

• Creditor email layout/format improvements

• 13-day deferred rebate can be removed from settlement rebate menu

Bug Fixes

• Forward slash in agreement number no longer causes errors in Acquired

11 April 2024: v6.0.16

What's New

• Improved Round and Agent Reconciliation Report, including:

  • Opening and Closing Balances

  • Incoming Cash, Card, CPA, Standing Order and Other transactions

  • Outgoing Loan Principal and Interest, Rebate and Write Off

  • Detailed breakdown of Collections, Loans and Non-Cash transactions, e.g. rebates, write-offs

• New COMPLAINT category for notes

• Contract rescheduling improvements, including rescheduling of transactions that should have occurred but did not, for example, scheduled CPA payments that have failed or not been processed

Rescheduling transactions that should have been processed but have not, such as failed CPA transactions, should be done with caution to avoid duplication of the payment request.

We recommend that you check your Acquired account to make sure the payment has not been taken before rescheduling.

• Journal entry dialog with DEBIT and CREDIT toggle

• Improved handling of reversed transactions so that they are associated with the transaction which they reverse

• Bank, Sort Code and Account Number added to Loan Agreement panel for bank transfer

• Active and Inactive Customer counts on the main menu, updated daily

• Daily metrics recording for reporting and analysis:

  • contract credits

  • survey credits

  • active customers

  • inactive customers

  • live loans

  • closed loans

  • surveys sent

  • surveys completed

• New user role SALES with a sub-set of AGENT capabilities:

  • create customers and contracts

  • collect cash payments

  • no access to reports or exports

  • no access to contract tasks

  • no access to rescheduling, voiding or writing off loans

Bugfixes

• Fixed errors where Acquired has processed a transaction successfully, but SDX could not retrieve the transaction details from Acquired afterwards

• Fixed missing company email as "reply to" in customer emails; for example, card payment notifications, survey and document pack notifications

• Employment-related information is erroneously hidden when an Application Form task is unset

4 April 2024: v6.0.15

What's New

• A single scheduled transaction can now be rescheduled using the kebab menu option located on the row of the scheduled transaction, replacing the "CPA Time" function from the contract menu

• Balance exports are now sorted by customer and issue date, and include loan principal

• Acquired transaction completion now has scheduled checks to prevent failed transactions due to delayed responses from Acquired

• Customers without 'Live' or 'Paid' contracts are now labeled 'Inactive' on the customer list

• Major rework to how tasks are sent and processed, which will enable support for bespoke document tasks in a future release

Bug Fixes

• Successful payment emails now show correct balance

• Corrected transactions "shifting" one hour after BST time comes into effect

• Cancelling a task now labels the task status as 'Void'

• Double-clicking 'Create Customer' button no longer creates a duplicate

• Data exports opened in Excel now display currency formatting correctly

• Rebate transactions no longer create a '£00.00' transaction when making a final payment

• Contract status filter for "Agent" now works correctly

6 March 2024: v.6.0.14

What's New

• Performance improvements

• Admin users can adjust contract balances using journal transactions

• Preview credit, debit and journal transactions show a preview of the balance change

• Rebate amounts displayed in contractual transaction list panel

• Added 'Manage Cards' and 'Vault' buttons to transaction report contract panel

• Active indicators on report and contract list column filters

Bug Fixes

• Acquired card recurring payment notification emails are now sent correctly

• Contracts that are collected fortnightly, four-weekly and monthly now only appear on the printed rounds worksheet when relevant to the week

• Transactions issued by CPA contracts now showing correct times

• Transactions export now shows negative and positive amounts correctly

• Currency formatting in round reconciliation report corrected

• Failed CPA transactions retried up to three times, no longer block customer's card

• Transaction notes now include the reason for non-payment

28 February 2024: v.6.0.13

What's New

• Round and agent reconciliation report

• Manual card payments show the last 4 digits of the card in notes

• Improved settlement capabilities, including:

  • Manual acquired card payment

  • Set date and time of settlement

  • Add notes to a settlement payment

• Contracts that are in credit show "In Credit" status on the contract list

Bug Fixes

• Scheduled CPA payments now take into account potential early settlement rebates

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21 February 2024: v.6.0.12

What's New

• Send a payment task to the customer to take a manual payment if a CPA fails

• Highlight the current date and time in the transactions lists

Bug Fixes

• Balance transfer date now set correctly

• Credit and arrears now shows correct amounts on non-live contracts

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14 February 2024: v.6.0.11

What's New

• An email is sent to the customer, copied to the creditor, on the success or failure of an Acquired card payment, recurring or manual

• Transactions now include a timestamp for easier traceability

• New email templates created for customer notifications, including onboarding tasks, card payments and non-payments

• Improved error handling for card payments

Bug Fixes

• Non-payment can now be set to a specific date

• Layout improvements in the 'Company Setup' section

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31 January 2024: v6.0.10

What's New

• Improved ordering of transactions: actual date descending; scheduled and contractual date ascending

• Added disposable income % amount fields income/expenditure section (D.I. % of disposable income)

• Added Affordability % to contract agreement section (payment as a percentage of disposable income)

• CPA automated transactions are now executed within 5 minutes of their scheduled time, down from 15 minutes

• Round and agent name removed from contract search

• Rounds worksheet redesign for better usability: portrait A4; ten contracts per page, printed in walking order

• Acquired errors due to bad data, e.g. email address, customer name, etc., are better relayed

• Added "Collection" context to notes

• The latest collection note will appear on contracts in the rounds worksheet

• Reverse Transaction dialog improved - Transaction date and amount made clearer

Bug fixes

• Double quotes now display correctly on contract paperwork

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24 January 2024: v6.0.9

What's New

• "Reloan" button renamed to "Clone", to avoid confusion with refinancing a loan

• Added a confirmation dialog when sending paperwork/tasks to customers

• Removed round and agent name from contract search

• Added next scheduled transaction type to contract search

• Reconciliation export - Report for transactions by agent/round within a specified date range

• Contract balance export - Report of contract balances for a specific date

• Functionality added to retry failed CPA payments from the Transactions list

• Improved layout and flow of RegData Report

• UI improvements to error handling when taking payments and adding a new payment card

• Transaction report now includes links to Acquired

• Improved loading feedback in lists

• Added feedback to indicate when list filters do not return any results

• Rescheduling a contract voids current schedule and inserts a balance transfer

• Reschedule dialog- "Payment Schedule" default option based on the current contract's schedule

Bug fixes

• Card payments via Acquired can no longer have a different date from today

• Edit customer dialog can be submitted without needing to "click off" the input field

• Credit/Debit/Payments can now be set to values less than £1

• Reschedule error added when making zero regular payments

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17 January 2024: v6.0.8

What's New

• Transactions Export - download transactions within a specific date range as tab-delimited text

• Improved data compliance of RegData report

• Improved transactions report UI by adding contract agreement number

• Most dialogs can now be closed by pressing the "Escape" button

• Updated "Activate Contract" dialog prompt, text is more direct and clear

• Added a loading spinner to round/customer/contracts lists

• Added "Charges" option to "Debit" transaction dialog

• Credit and debit transactions now support payment date entry

• Payment dialog - "Payment Type" default option based on the current contract's agreement

Bug fixes

• Activating a contract will no longer prompt users to decide if they wish to leave the page

• CPA collection time default value based on the current scheduled time

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15 January 2024: v6.0.7

Bug fixes

• Fixed an internal error affecting Acquired card registration and payments

• RegData report now includes data beyond a fixed range

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10 January 2024: v6.0.6

What's New

• "Closed" contract status is now dark grey instead of teal accent colour to create contrast between states

• Adding a new payment card now makes it the primary card

• Made journal transactions for credit/debit and write-off more explicit

• Changed styling of the input "placeholder" text to create contrast with the inputted text

• Payments now prevented from being reversed multiple times by accident

• Start date of round worksheet now defaults to today, end date defaults to one week later

• Added RegData Report and added menu entrypoint

• Added CPA collection time to reschedule dialog

• Changed "Collection Time" option in contract kebab menu to "CPA Time"

• Replaced large "Edit" buttons in company setup with smaller circle buttons

Bug fixes

• Updated customers now reflected in the customer list

• Customer names with special characters should no longer encounter errors when making card payments

• Debits/Credits are no longer restricted to loan "bounds" (from total payable to 0)

• Changing payment type via "Reschedule" now shows on contract list row

• Rebate on contract overview consistently matches rebate value in settlement dialog

• Contract list updates details and balance on payment/rescehdule

• Long status labels are no longer truncated in contract list

• Overdue live contracts no longer state "On Time" in status column

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27 December 2023: v6.0.5

Bug Fixes

• Acquired manual payments are now showing on transactions list

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21 December 2023: v.6.0.4

Bug Fixes

• Contracts correctly marked as "Returned" when all required tasks are completed

• Prevent actions and dialogs running multiple times when buttons are double-clicked

• Restored "Tasks complete" email sent to creditor

• Search no longer displays old information in expanded rows

• Expanded rows are updated when performing a new search

• Removed unnecessary footer from the collection page

• Written-off loans appear in customer summary section

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15 December 2023: v.6.0.3

What's New

• Support for contract lending is available without sending an application form or contract

• Tasks sent to customers now accumulate in their task list instead of being overwritten

• Ability to cancel customer tasks

• Ability to open a contract directly from the customer and round sections

• Improved reliability of search function

• Added loading spinner & error handling when creating notes or rescheduling contracts

• Populate the collection notes in the "Rounds Worksheet" PDF

• Layout improvements

Bug Fixes

• Removed duplicate "Vault" buttons

• Fixed Transactions list sorting order

• Corrected count total in the survey report

• The "Logout" option now redirects to the "Login" page if the session has expired

• Aligned styling of contract "Edit" and "Cancel" buttons

• "Void" and "Reloan" buttons are now enabled for "Draft" and "Ready" contracts

• Paperwork tasks are now disabled on "Live" and "Paid" contracts

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6 December 2023: v6.0.2

What's new

• The help guide now opens in a new tab

• Layout improvements

• Minimised row heights and improved font sizes for wider screens

Bug fixes

• The call dialog uses the latest customer mobile phone number

• The blurred background is now removed after redirecting to the client "Vault"

• Error handling when in contract status "Paid" if the total charge for credit is zero or negative

• The date picker no longer falls off-screen on smaller devices

• Collection time input is set to step in 5-minute increments

• The time Picker now displays time in the 24-hour format

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1 December 2023: v6.0.1

What's new

• Generate and download "Rounds Worksheet" for specified rounds and agents

• Layout improvements

Bug fixes

• Fixed a licencing issue triggering the "Login" dialog when opening the "Manage Cards" dialog

• Removed the company setup page for Agents

• Fixed an issue that prevented the Survey archive PDF from being saved

• Card registration task enabled for existing contracts

• Fixed an issue that prevented non-payment transactions from saving

• Corrected an intermittent rounding error on scheduled payments

• Corrected scheduled payment calculation on contracts with a different final payment amount

• Improved responsivity of the search function