A clarification that firms must not apply a monthly arrears charge if the customer has entered an arrangement to repay the arrears.
Abbey, for example, levies an arrears charge of £40 a month and will charge up to £79.90 for a debt collector to visit your home, while Halifax charges £35 for each missed payment.
An early repayment charge on mortgage balances which included arrears fees and charges within that balance.
Although specialist lenders appear to be the most aggressive when it comes to charging arrears fees, many mainstream banks also levy high charges.
These included straightforward queries such as the name of the freeholder, the length of the lease, whether I was in arrears with service charges and details of the buildings insurance policy.
Interest rates on mortgage arrears have been charged at up to 25%, with the European court of justice last month condemning some charges as abusive and illegal.
But, said Richard Sharan, a partner at the law firm Pollack & Sharan, "if a unit owner is in arrears on his common charges, he probably doesn't have much money to collect".
Perhaps fitting its target customer, who themselves are sometime chasing payment, Dinghy also charges in arrears.
I have been charged maintenance arrears and late fees since July 2001.
