I signed up for a credit card in JJB sport shop and was told I've about 52 days to make the first payment. I spent about £17 which I paid within this 52 days. That's a while back. Recently the credit company "Sigma Bank" phoned me up and said asked me to make a payment over the phone an amout over £41,85. I asked what this bill consistes of and I was told 2 late fee charges over £20 each plus interest. I said I've already paid the amount I spent before the 52 days time limit. But they said I'd have made the first payment within 28 days which I failed to do. I paid the full amount I spent 3 days later so there was a late fee charge over 20 and another 20 after that. I've never received their bill and I's told They would waive off one late fee if I'm willing to pay the rest of the bill. I said to them they can't actually charge more than £12 at a time and they said that does not apply for credit companies but banks. But They are called Sygma Bank. So What can I do? Help!!!!