EdgeCaseTest003

Day	Datestamp	Advances	Scheduled payment	Window	Payment due	Actual payments	Net effect	Payment status	Balance status	Actuarial interest	New interest	Interest portion	Fee rebate if settled	Fee portion	Principal portion	Interest balance	Fee balance	Principal balance	Settlement figure
0	2020-10-08	500.00	n/a	0	0.00	n/a	0.00	none scheduled	open	0.0000	0.0000	0.00	772.35	0.00	0.00	0.0000	772.35	500.00	1,272.35
8	2020-10-16	n/a	original 225.00	1	225.00	225.00 failed 225.00 failed 225.00 failed	0.00	missed payment	open	2.7748	2.7748	0.00	747.14	0.00	0.00	2.7748	772.35	500.00	527.98
11	2020-10-19	n/a	n/a	1	0.00	225.00 failed 225.00 failed 225.00 failed	0.00	nothing due	open	1.0405	1.0405	0.00	737.68	0.00	0.00	3.8153	772.35	500.00	538.48
14	2020-10-22	n/a	n/a	1	0.00	225.00 failed 225.00 failed 225.00 failed	0.00	nothing due	open	1.0405	1.0405	0.00	728.22	0.00	0.00	4.8558	772.35	500.00	548.98
39	2020-11-16	n/a	original 225.00	2	225.00	225.00 failed 225.00 failed 225.00 failed	0.00	missed payment	open	8.6712	8.6712	0.00	649.41	0.00	0.00	13.5270	772.35	500.00	636.46
42	2020-11-19	n/a	n/a	2	0.00	225.00 failed 225.00 failed 225.00 failed	0.00	nothing due	open	1.0405	1.0405	0.00	639.95	0.00	0.00	14.5675	772.35	500.00	646.96
45	2020-11-22	n/a	n/a	2	0.00	225.00 failed 225.00 failed 225.00 failed	0.00	nothing due	open	1.0405	1.0405	0.00	630.49	0.00	0.00	15.6081	772.35	500.00	657.46
69	2020-12-16	n/a	original 225.00	3	225.00	225.00 failed 225.00 failed 225.00 failed	0.00	paid later in full	open	8.3243	8.3243	0.00	554.84	0.00	0.00	23.9324	772.35	500.00	741.44
72	2020-12-19	n/a	n/a	3	0.00	confirmed 225.00 225.00 failed 225.00 failed	225.00	extra payment	open	1.0405	1.0405	24.97	545.38	121.43	78.60	0.0000	650.92	421.40	526.94
75	2020-12-22	n/a	n/a	3	0.00	225.00 failed 225.00 failed 225.00 failed	0.00	nothing due	open	0.8770	0.8770	0.00	535.92	0.00	0.00	0.8770	650.92	421.40	537.27
100	2021-01-16	n/a	original 225.00	4	225.00	225.00 failed 225.00 failed 225.00 failed	0.00	paid later in full	open	7.3079	7.3079	0.00	457.11	0.00	0.00	8.1849	650.92	421.40	623.39
103	2021-01-19	n/a	n/a	4	0.00	237.00 failed 237.00 failed 237.00 failed	0.00	nothing due	open	0.8770	0.8770	0.00	447.65	0.00	0.00	9.0618	650.92	421.40	633.73
106	2021-01-22	n/a	n/a	4	0.00	confirmed 249.00 225.00 failed 225.00 failed	249.00	extra payment	open	0.8770	0.8770	9.93	438.20	145.13	93.94	0.0000	505.79	327.46	395.05
214	2021-05-10	n/a	original 250.00	5	250.00	250.00 failed 250.00 failed 250.00 failed	0.00	missed payment	open	24.5318	24.5318	0.00	97.73	0.00	0.00	24.5318	505.79	327.46	760.05
217	2021-05-13	n/a	n/a	5	0.00	250.00 failed 250.00 failed 250.00 failed	0.00	nothing due	open	0.6814	0.6814	0.00	88.27	0.00	0.00	25.2132	505.79	327.46	770.19
220	2021-05-16	n/a	n/a	5	0.00	250.00 failed 250.00 failed 250.00 failed	0.00	nothing due	open	0.6814	0.6814	0.00	78.82	0.00	0.00	25.8947	505.79	327.46	780.32
245	2021-06-10	n/a	original 276.00	6	276.00	250.00 failed 250.00 failed 250.00 failed 250.00 failed	0.00	paid later in full	open	5.6787	5.6787	0.00	0.00	0.00	0.00	31.5733	505.79	327.46	864.82
248	2021-06-13	n/a	n/a	6	0.00	250.00 failed 250.00 failed 250.00 failed	0.00	nothing due	open	0.6814	0.6814	0.00	0.00	0.00	0.00	32.2548	505.79	327.46	865.50
251	2021-06-16	n/a	n/a	6	0.00	250.00 failed 250.00 failed 250.00 failed	0.00	nothing due	open	0.6814	0.6814	0.00	0.00	0.00	0.00	32.9362	505.79	327.46	866.18
379	2021-10-22	n/a	n/a	6	0.00	175.00 failed 175.00 failed 175.00 failed	0.00	nothing due	open	29.0747	29.0747	0.00	0.00	0.00	0.00	62.0109	505.79	327.46	895.26
380	2021-10-23	n/a	n/a	6	0.00	confirmed 175.00	175.00	extra payment	open	0.2271	0.2271	62.23	0.00	68.46	44.31	0.0000	437.33	283.15	720.48
407	2021-11-19	n/a	n/a	6	0.00	confirmed 175.00	175.00	extra payment	open	5.3029	5.3029	5.30	0.00	103.02	66.68	0.0000	334.31	216.47	550.78
435	2021-12-17	n/a	n/a	6	0.00	176.00 failed 176.00 failed 176.00 failed 176.00 failed	0.00	nothing due	open	4.2040	4.2040	0.00	0.00	0.00	0.00	4.2040	334.31	216.47	554.98
438	2021-12-20	n/a	n/a	6	0.00	176.00 failed 176.00 failed 176.00 failed	0.00	nothing due	open	0.4504	0.4504	0.00	0.00	0.00	0.00	4.6545	334.31	216.47	555.43
441	2021-12-23	n/a	n/a	6	0.00	176.00 failed 176.00 failed 176.00 failed	0.00	nothing due	open	0.4504	0.4504	0.00	0.00	0.00	0.00	5.1049	334.31	216.47	555.88
475	2022-01-26	n/a	n/a	6	0.00	confirmed 176.00	176.00	extra payment	open	5.1049	5.1049	10.20	0.00	100.65	65.15	0.0000	233.66	151.32	384.98
✓ 1251	2024-03-12	n/a	n/a	6	0.00	n/a	466.41	generated	closed	81.4386	81.4386	81.43	0.00	233.66	151.32	0.0000	0.00	0.00	0.00

Key: ★ = evaluation day; ✓ = settlement day

Final Stats

Generated settlement: 466.41 on day 1251	Final balance status: closed
Effective interest rate: 0.01219192053 % per day	Final cost-to-borrowing ratio: 193.28 %
Required scheduled payment count: 6	Last required scheduled payment day: 245
Final actual payment count: 71	Last actual payment day: 475

Description

Quote returning nothing

Generated: see details

Basic Parameters

Evaluation Date

2024-03-12

Start Date

2020-10-08

Principal

500.00

Schedule options

config: custom schedule
day: 8	scheduled payment: original 225.00
day: 39	scheduled payment: original 225.00
day: 69	scheduled payment: original 225.00
day: 100	scheduled payment: original 225.00
day: 214	scheduled payment: original 250.00
day: 245	scheduled payment: original 276.00

Payment options

rounding: rounded up

level-payment option: lower final payment

Fee options

fee type: CAB/CSO fee 154.47 %	rounding: rounded down
fee amortisation: amortise proportionately

Interest options

standard rate: 9.95 % per year	method: actuarial
rounding: rounded down	APR method: US CFPB actuarial to 3 d.p.
cap: total n/a; daily n/a

Advanced Parameters

Payment options

scheduling: as scheduled	timeout: 3 days
minimum: defer or write off up to 0.50

Interest options

initial grace period: 3 day(s)	rate on negative balance: zero
promotional rates: n/a

Fee options

settlement rebate: pro-rata rebate

Charge options

no charges

Settlement day

n/a

Trim unrequired payments

false

Initial Schedule

Day	Scheduled payment	Actuarial interest	Interest portion	Principal portion	Principal balance	Total actuarial interest	Total interest	Total principal
0	0.00	0.0000	0.00	0.00	1,272.35	0.0000	0.00	0.00
8	225.00	2.7748	2.77	222.23	1,050.12	2.7748	2.77	222.23
39	225.00	8.8742	8.87	216.13	833.99	11.6490	11.64	438.36
69	225.00	6.8204	6.82	218.18	615.81	18.4694	18.46	656.54
100	225.00	5.2040	5.20	219.80	396.01	23.6735	23.66	876.34
214	250.00	12.3067	12.30	237.70	158.31	35.9801	35.96	1,114.04
245	276.00	1.3378	1.33	274.67	-116.36	37.3180	37.29	1,388.71

Initial Stats

Initial interest balance: 0.00	Initial cost-to-borrowing ratio: 58.3 %	Initial APR: 257.704 %
Level payment: 225.00	Final payment: 276.00	Last scheduled payment day: 245
Total scheduled payments: 1,426.00	Total principal: 1,388.71	Total interest: 37.29