First, thanks for such a good explanation of your situation.
Second, You will be happy (maybe) to hear that Yes you have a problem and No that's NOT how the script is suppossed to work.
It's suppossed to work more how you said you would like it to.
If you morgaged your PHQ and missed an hourly interest payment, you should have got pestered by reminders to pay it for the next hour (in game time). After that you should have had your assets seize upto the value owed. Starting with credits and working through frieght on your ships and stations, then ships and stations siezed. Also you should have taken a hit to your credit rating.
taigen wrote:I am not expecting bounty hunters or the like, ...
I tried so hard to have exactly that type of responce, but couldn't get it to quite work well enough without being a bit buggy, so didn't include it in the release version.
(but i still have the code if i get more time to work on it and figure it out)
The interest you described seems to much also. If you have reporting turned on (it's on by default) you should be able to see the interest payments made and at what percentage ("View Bank Transaction Report :"), you can see if the amounts paid and at what intervals (should be hourly) seem correct.
A lot of what you said you would like is how the script should work. It will add depth to the game and bring you good credits if used wisely, but it shouldn't be a huge money tree.
Next time you are in the game can i get you to open the Universal Banking 'Options" menu and turn 'Debugging' ON, let it run for 5 minutes or so and then turn it Off. This will produce a debug report in 'My Documents\Egosoft\X3TC\log09750.txt' . Can you please email that file to me at the email addy available from the link at the bottom of this post.
As for your use of "extended", i have had no reports of bad behaviour from other users using Universal Banking and extended together. So i doubt it's that.