yeah - I accept I'm naive and should know better by now - but I'm still fuming.

So, basically, in the past then, whenever they've 'helpfully' let us off the £12 penalty,
they've never mentioned that at the same time
they're sneakily siphoning off a much greater disproportionate sum
hidden in the small print detail interest charges.

Which they cynicially bank on a great many of us never noticing them doing and getting away with it.