Payment discounts

So, the Electricity Price Review Group recommendations that prompt payment discounts must go but the companies still be allowed to charge "late payment fees as long as they reflect the actual costs of recovering debts" (NZ Herald, October 4)
The Consumer Credit Finance Act also stipulates that any money lender's fees must reflect the actual costs.
This raises the question of whether our local council is exempt from this rule. If we are a day or two late in paying the council rates, we are charged a flat 10 per cent penalty - on a rate bill of say $2500

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