I've been buying on line from a certain catalogue for several years.
I have a unasked for and unused credit limit of £1500. The last items I ordered in April were returned within a week. I've just had my May statement and have been charged £3.50 for a late payment. How is the £1.50 P&P late when this is the first statement I've had since returning the goods 
Don't get me started on trying to speak to a human 
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the late payment charge is because I haven't paid the £1.50 P&P