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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 Hi - I haven't visited these forums in a long time, so I'm a little out of date with information on lender charges.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 clearly the amount of work involved in detecting and applying the charge is ZERO, as it all happens automatically. My mortgage lender thinks differently, and says the charges represent the work they have to do in dealing with such a situation, and that they are part of our terms and conditions that we have agreed to, so we simply have to pay up. Can anyone who has had this problem give me some pointers as to how to deal with this situation? Any replies greatly appreciated.
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