EdgeCaseTest005

Day	Datestamp	Advances	Scheduled payment	Window	Payment due	Actual payments	Net effect	Payment status	Balance status	Actuarial interest	New interest	Interest portion	Principal portion	Interest balance	Principal balance	Settlement figure
0	2022-06-22	500.00	n/a	0	0.00	n/a	0.00	none scheduled	open	0.0000	0.0000	0.00	0.00	0.0000	500.00	500.00
23	2022-07-15	n/a	original 159.55	1	159.55	166.67 failed 66.67 failed 66.67 failed	0.00	missed payment	open	92.0000	92.0000	0.00	0.00	92.0000	500.00	592.00
26	2022-07-18	n/a	n/a	1	0.00	66.67 failed 66.67 failed 66.67 failed	0.00	nothing due	open	12.0000	12.0000	0.00	0.00	104.0000	500.00	604.00
29	2022-07-21	n/a	n/a	1	0.00	66.67 failed 66.67 failed 66.67 failed	0.00	nothing due	open	12.0000	12.0000	0.00	0.00	116.0000	500.00	616.00
54	2022-08-15	n/a	original 159.55	2	159.55	66.67 failed 66.67 failed 66.67 failed	0.00	missed payment	open	100.0000	100.0000	0.00	0.00	216.0000	500.00	716.00
57	2022-08-18	n/a	n/a	2	0.00	66.67 failed 66.67 failed 66.67 failed	0.00	nothing due	open	12.0000	12.0000	0.00	0.00	228.0000	500.00	728.00
60	2022-08-21	n/a	n/a	2	0.00	66.67 failed 66.67 failed 66.67 failed	0.00	nothing due	open	12.0000	12.0000	0.00	0.00	240.0000	500.00	740.00
85	2022-09-15	n/a	original 159.55	3	159.55	66.67 failed 66.67 failed 66.67 failed	0.00	missed payment	open	100.0000	100.0000	0.00	0.00	340.0000	500.00	840.00
88	2022-09-18	n/a	n/a	3	0.00	66.67 failed 66.67 failed 66.67 failed	0.00	nothing due	open	12.0000	12.0000	0.00	0.00	352.0000	500.00	852.00
91	2022-09-21	n/a	n/a	3	0.00	66.67 failed 66.67 failed 66.67 failed	0.00	nothing due	open	12.0000	12.0000	0.00	0.00	364.0000	500.00	864.00
115	2022-10-15	n/a	original 159.55	4	159.55	n/a	0.00	paid later owing 76.22	open	96.0000	96.0000	0.00	0.00	460.0000	500.00	960.00
135	2022-11-04	n/a	n/a	4	0.00	confirmed 83.33	83.33	extra payment	open	40.0000	40.0000	83.33	0.00	416.6700	500.00	916.67
146	2022-11-15	n/a	original 159.55	5	159.55	n/a	0.00	paid later owing 76.22	open	0.0000	0.0000	0.00	0.00	416.6700	500.00	916.67
165	2022-12-04	n/a	n/a	5	0.00	confirmed 83.33	83.33	extra payment	open	0.0000	0.0000	83.33	0.00	333.3400	500.00	833.34
176	2022-12-15	n/a	original 159.42	6	159.42	n/a	0.00	missed payment	open	0.0000	0.0000	0.00	0.00	333.3400	500.00	833.34
196	2023-01-04	n/a	n/a	6	0.00	83.33 failed 83.33 failed 83.33 failed	0.00	nothing due	open	0.0000	0.0000	0.00	0.00	333.3400	500.00	833.34
199	2023-01-07	n/a	n/a	6	0.00	83.33 failed 83.33 failed 83.33 failed	0.00	nothing due	open	0.0000	0.0000	0.00	0.00	333.3400	500.00	833.34
202	2023-01-10	n/a	n/a	6	0.00	83.33 failed 83.33 failed 83.33 failed	0.00	nothing due	open	0.0000	0.0000	0.00	0.00	333.3400	500.00	833.34
227	2023-02-04	n/a	n/a	7	0.00	83.33 failed 83.33 failed 83.33 failed	0.00	nothing due	open	0.0000	0.0000	0.00	0.00	333.3400	500.00	833.34
230	2023-02-07	n/a	n/a	7	0.00	83.33 failed 83.33 failed 83.33 failed	0.00	nothing due	open	0.0000	0.0000	0.00	0.00	333.3400	500.00	833.34
233	2023-02-10	n/a	n/a	7	0.00	83.33 failed 83.33 failed 83.33 failed	0.00	nothing due	open	0.0000	0.0000	0.00	0.00	333.3400	500.00	833.34
255	2023-03-04	n/a	n/a	8	0.00	83.33 failed 83.33 failed 83.33 failed	0.00	nothing due	open	0.0000	0.0000	0.00	0.00	333.3400	500.00	833.34
258	2023-03-07	n/a	n/a	8	0.00	83.33 failed 83.33 failed 83.33 failed	0.00	nothing due	open	0.0000	0.0000	0.00	0.00	333.3400	500.00	833.34
261	2023-03-10	n/a	n/a	8	0.00	83.33 failed 83.33 failed 83.33 failed	0.00	nothing due	open	0.0000	0.0000	0.00	0.00	333.3400	500.00	833.34
286	2023-04-04	n/a	n/a	9	0.00	83.33 failed 83.33 failed 83.33 failed	0.00	nothing due	open	0.0000	0.0000	0.00	0.00	333.3400	500.00	833.34
289	2023-04-07	n/a	n/a	9	0.00	83.33 failed 83.33 failed 83.33 failed	0.00	nothing due	open	0.0000	0.0000	0.00	0.00	333.3400	500.00	833.34
292	2023-04-10	n/a	n/a	9	0.00	83.33 failed 83.33 failed 83.33 failed	0.00	nothing due	open	0.0000	0.0000	0.00	0.00	333.3400	500.00	833.34
322	2023-05-10	n/a	n/a	10	0.00	confirmed 17.58	17.58	extra payment	open	0.0000	0.0000	17.58	0.00	315.7600	500.00	815.76
353	2023-06-10	n/a	n/a	11	0.00	confirmed 17.58	17.58	extra payment	open	0.0000	0.0000	17.58	0.00	298.1800	500.00	798.18
384	2023-07-11	n/a	n/a	12	0.00	confirmed 17.58	17.58	extra payment	open	0.0000	0.0000	17.58	0.00	280.6000	500.00	780.60
408	2023-08-04	n/a	n/a	13	0.00	confirmed 17.58	17.58	extra payment	open	0.0000	0.0000	17.58	0.00	263.0200	500.00	763.02
449	2023-09-14	n/a	n/a	14	0.00	confirmed 17.58	17.58	extra payment	open	0.0000	0.0000	17.58	0.00	245.4400	500.00	745.44
476	2023-10-11	n/a	n/a	15	0.00	confirmed 17.58	17.58	extra payment	open	0.0000	0.0000	17.58	0.00	227.8600	500.00	727.86
499	2023-11-03	n/a	n/a	16	0.00	confirmed 15.74	15.74	extra payment	open	0.0000	0.0000	15.74	0.00	212.1200	500.00	712.12
531	2023-12-05	n/a	n/a	17	0.00	confirmed 15.74	15.74	extra payment	open	0.0000	0.0000	15.74	0.00	196.3800	500.00	696.38
574	2024-01-17	n/a	n/a	19	0.00	confirmed 15.74	15.74	extra payment	open	0.0000	0.0000	15.74	0.00	180.6400	500.00	680.64
595	2024-02-07	n/a	n/a	19	0.00	confirmed 15.74	15.74	extra payment	open	0.0000	0.0000	15.74	0.00	164.9000	500.00	664.90
✓ 629	2024-03-12	n/a	n/a	20	0.00	confirmed 15.74	664.90	generated	closed	0.0000	0.0000	164.90	500.00	0.0000	0.00	0.00

Key: ★ = evaluation day; ✓ = settlement day

Final Stats

Generated settlement: 649.16 on day 629	Final balance status: closed
Effective interest rate: 0.1589825119 % per day	Final cost-to-borrowing ratio: 100 %
Required scheduled payment count: 6	Last required scheduled payment day: 176
Final actual payment count: 76	Last actual payment day: 629

Description

Quote returning nothing

Generated: see details

Basic Parameters

Evaluation Date

2024-03-12

Start Date

2022-06-22

Principal

500.00

Schedule options

config: auto-generate schedule	schedule length: payment count 6
unit-period config: monthly from 2022-07 on 15

Payment options

rounding: rounded up

level-payment option: lower final payment

Fee options

no fee

Interest options

standard rate: 0.8 % per day	method: actuarial
rounding: rounded down	APR method: UK FCA to 1 d.p.
cap: total 100 %; daily 0.8 %

Advanced Parameters

Payment options

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

Interest options

initial grace period: 0 day(s)	rate on negative balance: zero
promotional rates: n/a

Fee options

no fee

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	500.00	0.0000	0.00	0.00
23	159.55	92.0000	92.00	67.55	432.45	92.0000	92.00	67.55
54	159.55	107.2476	107.24	52.31	380.14	199.2476	199.24	119.86
85	159.55	94.2747	94.27	65.28	314.86	293.5223	293.51	185.14
115	159.55	75.5664	75.56	83.99	230.87	369.0887	369.07	269.13
146	159.55	57.2558	57.25	102.30	128.57	426.3445	426.32	371.43
176	159.42	30.8568	30.85	128.57	0.00	457.2013	457.17	500.00

Initial Stats

Initial interest balance: 0.00	Initial cost-to-borrowing ratio: 91.43 %	Initial APR: 1287.7 %
Level payment: 159.55	Final payment: 159.42	Last scheduled payment day: 176
Total scheduled payments: 957.17	Total principal: 500.00	Total interest: 457.17