Can one of you experts help me interpret my statement?

I certainly wouldn’t class myself as an expert, but I’ll offer what I believe is a plausible explanation that others can contradict if they wish.

The holding account statement shows only the movements to and from the lending queues – it doesn’t show what happens to the money once it’s on the lending queue. It looks to me as if your £4000 1 yr Lend Offer on 25/3/14 was matched in more than one shape, and one of those shapes was for £3510.72. Market rate around that time was of the order of 3.8%/3.9%, so the interest payment of £86.06 on 10/11/14 is consistent with the £3510.72 shape having been repaid early, on 10/11. As I imagine you are aware, the £8.60 deduction on the same date was RS’s 10% lender fee that applied to loans created prior to 14/4/14.

Similarly the £462.40 entry on 17/11/14 would have been a return of capital relating to a partial match of your £4000 Rolling Lend order on 16/10/14. You say that the entries shown are just part of your statement, so I assume there will be other entries dated 17/11 on the statement that collectively add up to £4000.