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Late payment and interest on a nursery debt.


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I was just wondering if a business can legitimately charge interest and charges (of £25) to a consumer for late-payments.


Due to an oversight we did not settle our final bill when our child left nursery and it is now quite overdue. I know of at least two late payment charges and today received an interest charge also.


I suspect the charges are probably legal. Although they were introduced part way through my childs time at nursery. But it is my understand that interest can only be charged on commercial (business to business) debts.


I suspect neither were included in any original contract (if I even signed one)


I could find any information to support or disprove this though.

23.08.06 requested copy statements via phone, was promised call back (it never came) :mad:

25.08.06 Statements recieved :)

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It would need to be part of your agreement, or the T&Cs covereing your use of their service. If the late fee and interest were simply applied without prior warning or discussion, you could challenge them.

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