Basically I completely forgot my payment to Avant, twas due before 31/08, I paid in full 1040.00 to clear statement balance on the 3rd September,I noticed I got charged late fee of 15.24 on the 31/08 and then a finance charge of 13.33 on the 6/09 and then another deferred finance charged of 11.07 on the 6/09, is this the norm?