Hi I have a home choice account

and now that I have a small balance this how its been calculated

Date balance late payment charges %
/7/2019 5818.45 126.50 2.17
28/7/2019 4962.70 115 2.32
1 /9/2019 4481.36 93.15 2.08
29/9/2019 3773.36 92.00 2.44
4/10/2019 444.63 230.00 51.73
is this right to be ripped off like this
is this what homechoice do to people how many people do they do this to

please contact me I need advice

Sonia 0825691462