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@stevo_com
Thanks all - daily interest! that trend makes more sense.
Now to understand why the daily rate isn't reducing at some kind of accelerated rate if I am overpaying.
Nov 17 - £527.58 / 30 = £17.59
Dec17 - £542.44 / 31 = £17.50 -9
Jan 18 - £540.37 / 31 = £17.43 -7
Feb 18 - £485.64 / 28 = £17.34 -9
Mar 18 - £535.93 / 31 = £17.29 -5