2010 Debt Reduction Challenge - Discussions - Page 5
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  1. #61
    Registered User NikoSan999's Avatar
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    Quote Originally Posted by rcannon View Post
    Niko,
    I bank with Bank of Hell and I can view my P and I.

    Go to the "transaction History" link on the Acct Summary page.
    Ours is called account details. This is what I copied and pasted. I don't understand none of it. I just left the bank it orginated at and they don't show it period. Nothing. Nada.
    Bank of America is THE godfather of Hell with Wells Fargo running neck and neck. When the world ends the only things that will be left are cockroaches, Walmart, Wells Fargo and Bank of America. Not necessarily in that order. The order remains to be seen.

    Challenges
    Coupon/Sales Challenge Feb
    $8.00

    Grocery Challenge/Feb
    Goal $250.00
    Total $33.55

    Eat Out No More Feb
    Goal 20
    Accomp/8

    No Spend Challenge/Feb
    Goal 20
    Accomp 4

    Change Jar 2020
    $

    Christmas Fund 2020
    $
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  2. #62
    Registered User Greebo's Avatar
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    Quote Originally Posted by NikoSan999 View Post
    Ours is called account details. This is what I copied and pasted. I don't understand none of it. I just left the bank it orginated at and they don't show it period. Nothing. Nada.
    That is the bigger issue.

    You really should take the time to learn what it all means. As I showed you recently, the information you need to determine what's principal and what's interest is all there.
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  3. #63
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    For the 1st 2 years of Niko's loan.
    forgive the formatting.

    Date / Int / Sch balance / Actual balance/ Sch payment/ Interest / Principal
    1 09/09 8.25% 48,960.00 48,960.00 (474.98) (336.60) (138.38)
    2 10/09 8.25% 48,821.62 48,821.62 (474.98) (335.65) (139.33)
    3 11/09 8.25% 48,682.29 48,682.29 (474.98) (334.69) (140.29)
    4 12/09 8.25% 48,542.00 48,542.00 (474.98) (333.73) (141.25)
    5 01/10 8.25% 48,400.74 48,400.74 (474.98) (332.76) (142.23)
    6 02/10 8.25% 48,258.52 48,258.52 (474.98) (331.78) (143.20)
    7 03/10 8.25% 48,115.31 48,115.31 (474.98) (330.79) (144.19)
    8 04/10 8.25% 47,971.13 47,971.13 (474.98) (329.80) (145.18)
    9 05/10 8.25% 47,825.95 47,825.95 (474.98) (328.80) (146.18)
    10 06/10 8.25% 47,679.77 47,679.77 (474.98) (327.80) (147.18)
    11 07/10 8.25% 47,532.59 47,532.59 (474.98) (326.79) (148.19)
    12 08/10 8.25% 47,384.39 47,384.39 (474.98) (325.77) (149.21)
    13 09/10 8.25% 47,235.18 47,235.18 (474.98) (324.74) (150.24)
    14 10/10 8.25% 47,084.94 47,084.94 (474.98) (323.71) (151.27)
    15 11/10 8.25% 46,933.67 46,933.67 (474.98) (322.67) (152.31)
    16 12/10 8.25% 46,781.36 46,781.36 (474.98) (321.62) (153.36)
    17 01/11 8.25% 46,628.00 46,628.00 (474.98) (320.57) (154.41)
    18 02/11 8.25% 46,473.59 46,473.59 (474.98) (319.51) (155.47)
    19 03/11 8.25% 46,318.11 46,318.11 (474.98) (318.44) (156.54)
    20 04/11 8.25% 46,161.57 46,161.57 (474.98) (317.36) (157.62)
    21 05/11 8.25% 46,003.95 46,003.95 (474.98) (316.28) (158.70)
    22 06/11 8.25% 45,845.24 45,845.24 (474.98) (315.19) (159.79)
    23 07/11 8.25% 45,685.45 45,685.45 (474.98) (314.09) (160.89)
    24 08/11 8.25% 45,524.56 45,524.56 (474.98) (312.98) (162.00)
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  5. #64
    Registered User NikoSan999's Avatar
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    Thanks Russ, I really appreciate it. Very much. I printed it out.
    Bank of America is THE godfather of Hell with Wells Fargo running neck and neck. When the world ends the only things that will be left are cockroaches, Walmart, Wells Fargo and Bank of America. Not necessarily in that order. The order remains to be seen.

    Challenges
    Coupon/Sales Challenge Feb
    $8.00

    Grocery Challenge/Feb
    Goal $250.00
    Total $33.55

    Eat Out No More Feb
    Goal 20
    Accomp/8

    No Spend Challenge/Feb
    Goal 20
    Accomp 4

    Change Jar 2020
    $

    Christmas Fund 2020
    $
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  6. #65
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    No problem Niko.

    It was based on the info below.


    Quote Originally Posted by monkeywrangler71 View Post
    There is a loan amortization spreadsheet around somewhere. You have the original amount (48960) and the term (15 years) and rate (8.5). That's enough to fill out the spreadsheet and have it list all of your payments and their breakdown.
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  7. #66
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    Your payment should be $474 not $447, is it a variable rate or has it been refinanced at some point?
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  8. #67
    Registered User NikoSan999's Avatar
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    Quote Originally Posted by monkeywrangler71 View Post
    Your payment should be $474 not $447, is it a variable rate or has it been refinanced at some point?
    No, never refinanced and has always been $447.11
    Bank of America is THE godfather of Hell with Wells Fargo running neck and neck. When the world ends the only things that will be left are cockroaches, Walmart, Wells Fargo and Bank of America. Not necessarily in that order. The order remains to be seen.

    Challenges
    Coupon/Sales Challenge Feb
    $8.00

    Grocery Challenge/Feb
    Goal $250.00
    Total $33.55

    Eat Out No More Feb
    Goal 20
    Accomp/8

    No Spend Challenge/Feb
    Goal 20
    Accomp 4

    Change Jar 2020
    $

    Christmas Fund 2020
    $
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  9. #68
    Registered User monkeywrangler71's Avatar
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    Do you have the original papers? Your payment amount seems to be based on an interest rate of 7.25 not 8.25. But the total outstanding would be higher if you were underpaying - it looks like your rate either fluctuates, or went up recently.
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  10. #69
    Registered User NikoSan999's Avatar
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    It's a fixed. Yes have the papers. Have been all over them the past couple days looking for an account number. None there. The payment has been $447.11 since the day it started. I, myself, can't figure any of this out. I have been ALL over the papers.
    Bank of America is THE godfather of Hell with Wells Fargo running neck and neck. When the world ends the only things that will be left are cockroaches, Walmart, Wells Fargo and Bank of America. Not necessarily in that order. The order remains to be seen.

    Challenges
    Coupon/Sales Challenge Feb
    $8.00

    Grocery Challenge/Feb
    Goal $250.00
    Total $33.55

    Eat Out No More Feb
    Goal 20
    Accomp/8

    No Spend Challenge/Feb
    Goal 20
    Accomp 4

    Change Jar 2020
    $

    Christmas Fund 2020
    $
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  11. #70
    Registered User Greebo's Avatar
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    It might be called a Loan Number.
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  12. #71
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    not to interrupt the flow of convesation (by the way NIKOSANS, sorry for your troubles) but we live near two counties and can choose hospitals. I just learned today that the hospital closest is no longer setting up payment plans. If you can't pay to whole amount off automatically they are sending the claim to their bill collector and charging 19% interest each month!!!!!

    I have always been one of those who said you should pay as much as you can to the doctors just to get out from under the bill (my mom will pay $10 a month for life if they let her) but I can't imagine giving you no set up. It will be cheaper to put bills on a credit card (mine is 7%). Oh, well. I guess we will be driving to the other hospital.
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  13. #72
    Registered User NikoSan999's Avatar
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    Quote Originally Posted by Greebo View Post
    It might be called a Loan Number.
    Finally got someone at the bank yesterday while they weren't busy to dig. The problem with getting the account number or loan number was while the loan papers say mortgage it isn't listed at Bank of Hell under mortgage loan. It was listed under installment loan. So don't really know what it is.

    Got the account number
    Bank of America is THE godfather of Hell with Wells Fargo running neck and neck. When the world ends the only things that will be left are cockroaches, Walmart, Wells Fargo and Bank of America. Not necessarily in that order. The order remains to be seen.

    Challenges
    Coupon/Sales Challenge Feb
    $8.00

    Grocery Challenge/Feb
    Goal $250.00
    Total $33.55

    Eat Out No More Feb
    Goal 20
    Accomp/8

    No Spend Challenge/Feb
    Goal 20
    Accomp 4

    Change Jar 2020
    $

    Christmas Fund 2020
    $
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  14. #73
    Registered User NikoSan999's Avatar
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    Quote Originally Posted by qsaver704 View Post
    not to interrupt the flow of convesation (by the way NIKOSANS, sorry for your troubles) but we live near two counties and can choose hospitals. I just learned today that the hospital closest is no longer setting up payment plans. If you can't pay to whole amount off automatically they are sending the claim to their bill collector and charging 19% interest each month!!!!!

    I have always been one of those who said you should pay as much as you can to the doctors just to get out from under the bill (my mom will pay $10 a month for life if they let her) but I can't imagine giving you no set up. It will be cheaper to put bills on a credit card (mine is 7%). Oh, well. I guess we will be driving to the other hospital.
    Thank you very much.

    Do they have a patients bill of rights hanging on the wall? We do not refuse treatment because of inability to pay type thing.

    Did this come from the hospital itself? Double check.
    Bank of America is THE godfather of Hell with Wells Fargo running neck and neck. When the world ends the only things that will be left are cockroaches, Walmart, Wells Fargo and Bank of America. Not necessarily in that order. The order remains to be seen.

    Challenges
    Coupon/Sales Challenge Feb
    $8.00

    Grocery Challenge/Feb
    Goal $250.00
    Total $33.55

    Eat Out No More Feb
    Goal 20
    Accomp/8

    No Spend Challenge/Feb
    Goal 20
    Accomp 4

    Change Jar 2020
    $

    Christmas Fund 2020
    $
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  15. #74
    Registered User qsaver704's Avatar
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    Thanks, I will look into it! Good news is the other hospital isn't too far of a drive-30 minutes. Glad you are making progress on your problem.
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  16. #75
    Registered User NikoSan999's Avatar
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    Your welcome and do check to see if they have it posted. It is normally in admissions. But glad the other one is not to far.
    Never know when it might come in handy to just have the heads up.
    Bank of America is THE godfather of Hell with Wells Fargo running neck and neck. When the world ends the only things that will be left are cockroaches, Walmart, Wells Fargo and Bank of America. Not necessarily in that order. The order remains to be seen.

    Challenges
    Coupon/Sales Challenge Feb
    $8.00

    Grocery Challenge/Feb
    Goal $250.00
    Total $33.55

    Eat Out No More Feb
    Goal 20
    Accomp/8

    No Spend Challenge/Feb
    Goal 20
    Accomp 4

    Change Jar 2020
    $

    Christmas Fund 2020
    $
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