ActualPaymentTest016
| Day |
Datestamp |
Advances |
Scheduled payment |
Window |
Payment due |
Actual payments |
Generated payment |
Net effect |
Payment status |
Balance status |
Simple interest |
New interest |
New charges |
Principal portion |
Fee portion |
Interest portion |
Charges portion |
Fee rebate |
Principal balance |
Fee balance |
Interest balance |
Charges balance |
Settlement figure |
Fee rebate if settled |
| 0 |
2022-04-30 |
2,500.00 |
n/a |
0 |
0.00 |
n/a |
n/a |
0.00 |
none scheduled |
open |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
2,500.00 |
3,861.75 |
0.0000 |
0.00 |
6,361.75 |
3,861.75 |
| 6 |
2022-05-06 |
n/a |
original 271.37 |
1 |
271.37 |
n/a |
n/a |
0.00 |
missed payment |
open |
10.4054 |
10.4054 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
2,500.00 |
3,861.75 |
10.4054 |
0.00 |
2,649.14 |
3,723.01 |
| 13 |
2022-05-13 |
n/a |
original 271.37 |
2 |
271.37 |
confirmed 5,000.00 |
n/a |
5,000.00 |
overpayment |
refund due |
12.1396 |
12.1396 |
n/a |
4,676.85 |
300.61 |
22.54 |
0.00 |
3,561.14 |
-2,176.85 |
0.00 |
0.0000 |
0.00 |
-2,176.85 |
3,561.14 |
| 20 |
2022-05-20 |
n/a |
original 271.37 |
3 |
0.00 |
confirmed 500.00 |
n/a |
500.00 |
overpayment |
refund due |
0.0000 |
0.0000 |
n/a |
500.00 |
0.00 |
0.00 |
0.00 |
0.00 |
-2,676.85 |
0.00 |
0.0000 |
0.00 |
-2,676.85 |
3,399.27 |
| 27 |
2022-05-27 |
n/a |
original 271.37 |
4 |
0.00 |
confirmed 500.00 |
n/a |
500.00 |
overpayment |
refund due |
0.0000 |
0.0000 |
n/a |
500.00 |
0.00 |
0.00 |
0.00 |
0.00 |
-3,176.85 |
0.00 |
0.0000 |
0.00 |
-3,176.85 |
3,237.40 |
| 34 |
2022-06-03 |
n/a |
original 271.37 |
5 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
refund due |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
-3,176.85 |
0.00 |
0.0000 |
0.00 |
-3,176.85 |
0.00 |
| 41 |
2022-06-10 |
n/a |
original 271.37 |
6 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
refund due |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
-3,176.85 |
0.00 |
0.0000 |
0.00 |
-3,176.85 |
0.00 |
| 48 |
2022-06-17 |
n/a |
original 271.37 |
7 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
refund due |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
-3,176.85 |
0.00 |
0.0000 |
0.00 |
-3,176.85 |
0.00 |
| 55 |
2022-06-24 |
n/a |
original 271.37 |
8 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
refund due |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
-3,176.85 |
0.00 |
0.0000 |
0.00 |
-3,176.85 |
0.00 |
| 62 |
2022-07-01 |
n/a |
original 271.37 |
9 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
refund due |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
-3,176.85 |
0.00 |
0.0000 |
0.00 |
-3,176.85 |
0.00 |
| 69 |
2022-07-08 |
n/a |
original 271.37 |
10 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
refund due |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
-3,176.85 |
0.00 |
0.0000 |
0.00 |
-3,176.85 |
0.00 |
| 76 |
2022-07-15 |
n/a |
original 271.37 |
11 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
refund due |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
-3,176.85 |
0.00 |
0.0000 |
0.00 |
-3,176.85 |
0.00 |
| 83 |
2022-07-22 |
n/a |
original 271.37 |
12 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
refund due |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
-3,176.85 |
0.00 |
0.0000 |
0.00 |
-3,176.85 |
0.00 |
| 90 |
2022-07-29 |
n/a |
original 271.37 |
13 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
refund due |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
-3,176.85 |
0.00 |
0.0000 |
0.00 |
-3,176.85 |
0.00 |
| 97 |
2022-08-05 |
n/a |
original 271.37 |
14 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
refund due |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
-3,176.85 |
0.00 |
0.0000 |
0.00 |
-3,176.85 |
0.00 |
| 104 |
2022-08-12 |
n/a |
original 271.37 |
15 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
refund due |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
-3,176.85 |
0.00 |
0.0000 |
0.00 |
-3,176.85 |
0.00 |
| 111 |
2022-08-19 |
n/a |
original 271.37 |
16 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
refund due |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
-3,176.85 |
0.00 |
0.0000 |
0.00 |
-3,176.85 |
0.00 |
| 118 |
2022-08-26 |
n/a |
original 271.37 |
17 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
refund due |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
-3,176.85 |
0.00 |
0.0000 |
0.00 |
-3,176.85 |
0.00 |
| 125 |
2022-09-02 |
n/a |
original 271.37 |
18 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
refund due |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
-3,176.85 |
0.00 |
0.0000 |
0.00 |
-3,176.85 |
0.00 |
| 132 |
2022-09-09 |
n/a |
original 271.37 |
19 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
refund due |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
-3,176.85 |
0.00 |
0.0000 |
0.00 |
-3,176.85 |
0.00 |
| 139 |
2022-09-16 |
n/a |
original 271.37 |
20 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
refund due |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
-3,176.85 |
0.00 |
0.0000 |
0.00 |
-3,176.85 |
0.00 |
| 146 |
2022-09-23 |
n/a |
original 271.37 |
21 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
refund due |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
-3,176.85 |
0.00 |
0.0000 |
0.00 |
-3,176.85 |
0.00 |
| 153 |
2022-09-30 |
n/a |
original 271.37 |
22 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
refund due |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
-3,176.85 |
0.00 |
0.0000 |
0.00 |
-3,176.85 |
0.00 |
| 160 |
2022-10-07 |
n/a |
original 271.37 |
23 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
refund due |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
-3,176.85 |
0.00 |
0.0000 |
0.00 |
-3,176.85 |
0.00 |
| 167 |
2022-10-14 |
n/a |
original 271.21 |
24 |
0.00 |
n/a |
n/a |
0.00 |
no longer required |
refund due |
0.0000 |
0.0000 |
n/a |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
-3,176.85 |
0.00 |
0.0000 |
0.00 |
-3,176.85 |
0.00 |
Description
Large overpayment should not result in runaway fee rebates (3 actual payments)
Generated: 2025-04-28 using library version 2.2.10
Parameters
| Evaluation Date |
2024-02-13 |
| Start Date |
2022-04-30 |
| Principal |
2,500.00 |
| Schedule options |
| config: auto-generate schedule |
schedule length: payment count 24 |
| unit-period config: weekly from 2022-05-06 |
|
| Payment options |
| scheduling: as scheduled |
| rounding: rounded up |
| timeout: 3 |
| minimum: defer or write off up to 0.50 |
| level-payment option: lower final payment |
|
| Fee options |
| fee type: CAB/CSO fee 154.47 % |
rounding: rounded down |
| fee amortisation: amortise proportionately |
settlement rebate: pro-rata rebate |
|
| Charge options |
no charges
|
| Interest options |
| standard rate: 9.95 % per year |
method: simple |
| rounding: rounded down |
APR method: US CFPB actuarial to 3 d.p. |
| initial grace period: 3 day(s) |
rate on negative balance: zero |
| promotional rates: n/a |
| cap: total n/a; daily n/a |
|
Initial Stats
| Initial interest balance: 0.00 |
Initial cost-to-borrowing ratio: 63.08 % |
Initial APR: 511.64 % |
| Level payment: 271.37 |
Final payment: 271.21 |
Last scheduled payment day: 167 |
| Total scheduled payments: 6,512.72 |
Total principal: 6,361.75 |
Total interest: 150.97 |
Final Stats
| Generated settlement: n/a |
Final balance status: refund due |
| Effective interest rate: 0.002257983489 % per day |
Final cost-to-borrowing ratio: 5.69 % |
| Required scheduled payment count: 4 |
Last required scheduled payment day: 27 |
| Final actual payment count: 3 |
Last actual payment day: 27 |
FSharp.Finance.Personal