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  1. Hi - I haven't visited these forums in a long time, so I'm a little out of date with information on lender charges. My mortgage lender has been charging me £38.00 on each occasion we have been late making our monthly mortgage payment. It is an automated letter and automated charge as far as I can tell. We have had some recent employment and consequent financial difficulties for a little while, and this has led (naturally) to some late payments, and then charges being made. I thought charges should represent the amount of work incurred by the lender . .. but clea
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