Calculation of amount outstanding

In year 6/8/2001, Ng Yu king owed me RM13,000. As at 31 July 2010, total number of days calculated as follow:-

a) Year 2001- 147 days, Year 2002=365 days, Year 2003= 365days, Yr 2004=366days, Yr 2005=365 days, Yr 2006= 365days. Yr 2007 = 365 days, Yr 2008 =366 days, Yr 2009 =365 days
and July 2010= 216 days. total days 3285, interest outstanding rm9362.25 ( Based on direct calculation, not compunded)

In year 28/8/2001, Ng Yu king owed me RM10,650. As at 31 July 2010, total number of days calculated as follow:-

a) Year 2001- 125days, Year 2002=365 days, Year 2003= 365days, Yr 2004=366days, Yr 2005=365 days, Yr 2006= 365days. Yr 2007 = 365 days, Yr 2008 =366 days, Yr 2009 =365 days
and July 2010= 216 days. total days 3263, interest outstanding rm7602.79 ( Based on direct calculation, not compunded).

If he could settled the amount in July 2010, the total payble amount should be : RM13,000 + RM10,650+ RM9362.25+ RM7,602.79=RM40,615.04