11.   It is common to find provisions for late delivery and late payment included in contracts.

12.   New legislation to allow them to claim interest against late payments could come into effect soon.

13.   It avoids the argument that a late payment cannot be such payment --ie payment in accordance with the terms of this contract.

14.   The owners sought to withdraw for late payment of an insurance premium required by the contract.

15.   An application can also be killed by a history of late payments and even having too many cards already, consumer experts said.

16.   Analysts also say consumers could become more reluctant to take on new debt as bills for late payments continue to pile up.

17.   And though occasional complaints about late payments from Barneys continue, the worst of the problem, by all accounts, is behind the company.

18.   Apparently, one bureau caught a late payment on a retail credit card nearly three years ago, one did not.

19.   Bankers report rising delinquencies on car loans and home equity loans and more late payments on home mortgages.

20.   Banks raised fees for late payments, made more frequent credit checks and lowered credit limits on delinquent customers.