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understanding loan statement.


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I'm in arrears with a secured loan but trying to work out which is right and which is wrong on my statement.

An example of what I've been trying to fathom out.

Installment due date: 117.87 = Arrears 2.990.84= Balance=4.739.97

card payment : 20.00 = Arrears 2.970.84= Balance=4.719.97.

monthly admin fee : 60.00 = Arrears 2.970.84= Balance=4.779.97.

interest : 48.76 = Arrears 2.970.84= Balance=4.828.73.

simple interest : 9.09 = Arrears 2.970.84= Balance=4.837.82.

The 60.00 per month is for the second class franked letter they send me they never ring me.Is this excessive?also is the simple interest not right to be adding to my arrears?Would I be able to claim this back the simple interest?and reduce the admin fees.

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