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STUDIO adding £28.22 for paying late! Legal?

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I just got a bill from 'STUDIO' which is a kind of catalogue.


It states my balance is £330 odd

+ 23/01/2014 Default Sum £12

+ 23/01/2014 Service charge £16.22


I can only think 'Service charge' is an excuse to add more.


Is this legal? What shall I do?

£28.22 extra for paying late is a bit much isn't it?

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No it isnt legal. they can only charge administration charges directly incurred in dealing with your late payment, so for example, the cost of generating and posting a reminder letter. Write to them and demand these charges are cancelled as being unlawful penalties.

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