It all boils down to your tems and conditions at the time goods or services or both were agreed to and or supplied. I was having a lot of strife so went to a Collection agency. They redid my terms and conditions and now I charge 2.5% per month overdue and 10% or $200, whichever is the lower, admin charge every time I write an overdue or nasty letter. Also all costs of collection, solicitors fees, court fees etc etc etc.
It has been tested in court and the courts awarded me all my fees and charges as it was very clear on my terms and conditions and they are reasonable charges. Might have to put those two down to experience but might pay to have a word to a collection company. They do this all day and every day so they will probably know how to cover your bum.
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