[Stephen]

It's not fraudulent charges. Most companies will charge a fee if you make a late payment.

If you forgot or were busy then a direct debit is of course the simplest way to ensure it is paid on time every month.

Also if there was an issue with the website or on line payment service you can call and will usually be able to pay via an automated servic3, or you can call and speak to an advisor and explain your situation and see if they will waive the fee as a one off gesture.

Though it is not something that they need to do as of course a payment was late, no matter who's fault it was. You do really need to make every attempt to contact them as soon as there are any issues.