I have been charged for late payment but having checked my bank statements I have paid on time every month. My 'pay by' date is the 16th of the month and I made payments on 9th April, 21st April and 23rd May. Have been charged £12. I'm feeling actually quite angry and 30 minutes on hold on the phone didn't help, particularly when greeted by a message of 'our offices our now closed' at 8. I will be trying again in the morning but it's really playing on my mind now as I'm quite careful. Once this is paid (£40 left!) I will be cutting it up. I don't normally use it either but had to buy an extra bit for our kitchen and had no money left but couldn't wait for the next pay month as hubby had holiday from work to do the kitchen and we couldn't carry on without it! (As with all DIY it was harder than planned). What can I do? I know I won't sleep now for worrying about it. Phew, actually saying it has made me a it calmer.