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kays

im unemployed at the moment,and have a few things to pay for with kays catalouge.i phoned them to tell them i only get paid every two weeks,and they said if i do not pay on time they will charge me £12....i paid two monthly
payment,that reached them a few days late and they have charged me £12 for each.....now they said i agreed to pay this amount..but i did not..can i claim these charges back as i think they are unfair.?if i can how would i go about it?
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