Hi charles, i have just phoned sainsburyz bank re a £25 late payment fee for being two days late. Last year the oft wrote to eight card providers to ask them how they structured late payment fees. Mortgage cash back. Do you think £12 is a fair amount to be charged for a late payment or for going over your limit?stonebridge mortgage services Has your credit card provider reduced your late payment fees but increased their interest rates?

Nevertheless, tell them to stick their fees up!Residence fees are due in advance. The payment is overdue 30 days later, which is 27/04/2012. Thats the wrong approach - to say hey, i wasnt late.

Part of the reason i was late in paying was that the barclaycard site wasnt working, again. Its findings may fuel demands for the office of fair trading to take action on late payment fees. Be clear when you invoice for work that "payment is due within 30 days". That way if i pay my bill on the due date itll not be late. If payment is delayed beyond this date interest is payable at a penalty rate, plus compensation for debt recovery costs.