Late fees and penalty charges are unfair and illegal so there's been a mad dash recently to claim back six year's worth of money from the bank. Some sites are profiteering a bit by saying they'll do it for you for a commission but there's no need! Step by step instructions including template letter you can print out are here. The best thing is it's almost guaranteed you'll get all your money back (including interest) from unfair bank and credit card charges because the banks are desperate not to appear in court. Not a single one has so far!