I had a loan thru CIT Bank and in the last 2 years it was taken over by Vericrest Financial, Inc. When they took over I noticed that I would receive my bill and the due date for payment was only 5 days from when I received the bill. I complained to them and they said they were working on the problem and they would not charge me a late fee if I sent my bill within a few days after that due date. Well they never corrected the problem and are now charging me late fees. It is impossible to get the payment back to them in time because they do not get me the bill in time for payment. Is this legal? Shouldn't I have a certain amount of days notice(more than 5) to get the money back to them?