We don't think late payment fees are good for anybody, so we don't charge them. If you can't make payments on time, you must notify us as soon as possible and at least four days before your next scheduled payment date. We will try to agree with you on a repayment schedule that makes sense for both of us.
If you miss or are late in making any monthly membership fee payments or the repayments of advances, we will report that to the Credit Reference Agencies. This can lower your credit score and severely damage your ability to access credit from other providers in the future.