(long post) can you help me work out mortgage balance?

rover25

Took out a mortgage July 2007 for 179,000 , interest rate fixed for 2 yrs at 5.14%
Going through annual mortgage statement from June 2008 again and a few things confusing me (still!)

Annual Mortgage statement 13 June 08 - 12 June 08
opening bal £179,000
Debits:
Interest £9,184.07, property insur 0, other interest 0 , fees charged 0
Total Debits £10,103.51 ? (SEEMS TO BE ANOTHER 919.44 ADDED TO GET THIS) - that's our monthly repayment

Credits: Mortgage payments £10113.84, redemptions 0
Total Credits £11033.28 ?(SEEMS TO BE ANOTHER 919.44 PAYMENT)
Closing Bal £178,070.23
Most mortgage calculators I tried worked it out to be £177.123.57

On the back payments listed from 13/07/07 to 13/05/08
Says 'payments that were due to your mortgage during the period 13June 2007 - 12 June 2008'

Our mortgage didn't start until 13th July so why is period from 13 June 2007 included?
Why are the total amounts shown as not including another mortgage payment of 919.44? In the debit and credit totals, that amount makes up the difference

Further down on back are the movements in my mortgage from 13June2007 - 12June 2008
Debits Credits
11/07/2007 DAI Db Accrued In £756.21 £0
13/07/2007 R Repayment £0 £919.44
13/07/2007 UDD Reypayment £919.44 £0
20/07/2007 R Reypayment £0 £919.44
etc..

Does DAI = Date of accrued interest?, R = repayment, UDD = ?Directdebit ?

The DAI changes on each month -is that due to the number of days differeing in each month? It is only 30/31 days usually. Does that make a big diff to interest accrued. Just because my lowest interest accrued is on 12 March 08 for £726.12 , while the highest accrued is 10 Aug 07 for £781.61 and 12 June 08 for £773.98

Also the DAI is usually 1-4 days before the repayment date.
If I was over paying should I be aiming to overpay before theat date when the interest is accrued?

Why is the first interest accrued only 756.21. Surely it would be the most as the total balance was highest there.

Sorry for so many questions. I really am a novice! and no one tells you these things in the bank.:o

feisty1

is their nothing on tv tonight?!

rover25

nope feisty1 !

feisty1

sorry rover 25 I couldn't resist that remark!, I meant no harm!

Tiddler_2

I think it's a question you're going to have to ask your lender. With the limited information you are able to provide on here (i.e no-one can actually see the statement) it is always going to be difficult, though with a DAI ( I presume Daily Accrued Interest) charged on 11/07 then it appears that they either charge you interest in advance or that they have your mortgage completing in June 2007 & not July.

Also it says payments listed from 13/07/07 - 13/05/08 which is 11 months so on that basis it would be one monthly payment out - but I am just guessing.