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I do not know how it is in your jurisdiction but where I live a collector needs to inform you in timely manner of these kind of discrepancies if they want to enforce fines or overcharge fees. The means different kind of channels of communication than the regular ones (e.g. postal instead of login to the site, or at least show some effort). Note: this is only if they overcharge without you being able to do so normally, if are allowed to have a negative balance you pay regular fees and you signed a contract to do so.

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