My house Insurance company has charged me £30 for an unpaid direct debit. the payment was due on the 28th and I had forgotten about it because of a hectic work schedule of working night shifts. I had a notification of a failed Direct debit payment of £14.30 I phoned them up on the 30th on my day off and paid in full and asked if they would waive the £30 fee and he said he cant do that. I said I thought companies were no longer allowed to charge this much and he replied the company can charge £30 for unpaid direct debits and there is nothing I can do about it. I said Im going to look this up I dont feel its fair. he said look it up all you want im right and theres nothing you can do about it and then hung up.