думаю под этой загадочной фразой имеется в виду "пеня" :)

non-payment charge
http://www.google.com/search?hl=en&q="non-payment charge"&bt...

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Note added at 7 mins (2007-06-04 15:49:03 GMT)
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как вариант, late charge
опредления Late charge ниже
# A penalty fee imposed by a lender for delinquent payments.
www.ncbuy.com/credit/glossary.html

# The penalty a borrower must pay when a payment is made after the due date.
www.va-home-loans.com/glossary_VA_loan.htm

# A fee charged for a past-due payment. This charge is usually either a percentage of the lease payment or a fixed dollar amount.
www.auto-buying-tips.com/lease/leasing_language.htm

# A fee a lender imposes on a borrower when the borrower does not make a payment on time.
www.boise-idahos-real-estate.com/real-estate-definitions-l-...

# A fee imposed on a borrower for not paying on time
www.canequity.com/mortgage-resources/

# A fee assessed for late payments on a home loan.
www.cbgriffithandblair.com/buyers/financing/mortgage_terms....

# An additional charge a borrower is required to pay as a penalty for failure to pay a regular installment when due.
www.homemortgageofnc.com/homemortgage/GLOSSARY/web GLOSSARY...

# The penalty a borrower must pay when a payment is made after the due date. Ledger balance - The balance in an account at the beginning of each day, also known as the current balance. This balance includes all deposits and withdrawals that were posted from the previous night, whether or not funds have been collected. See collected balance. Liability - A claim on the assets of a company or individual. ...
www.gmacbank.com/glossary.do

# Penalty for late payment.
www.carsmart.com/content/research/index.cfm/action/ShowArti...

# Bills become past due after the due date shown. Balances remaining after the due date are subject to a 4 percent late charge.
www.lvvwd.com/html/pay_ebill_terms.html

# A penalty that a mortgage payment is made a stated number of days(usually a minimum of 15) after its due date.
www.vba.va.gov/ro/central/stpau/Veterans/Mortgage Definitio...

# A penalty for failure to pay an installment payment on time. Usually not allowed as interest for tax deductions. May or may not be included as usury. If not, the amount of late charge is either set by statute or must be "reasonable."
www.landmarktitlesouth.com/main/glossary.htm

# A charge when a scheduled payment is received later than its due date and any allowed grace period.
www.tnbankers.org/consumers/loanglossary.htm

# A late charge is a fee that is charged if a mortgage payment is received late. A late charge can be steep -- as much as 5 percent of the amount of your mortgage payment.
ask.prudentialrand.com/page.aspx

# If the vehicle is returned later than the previously agreed time and date, any additional day’s hire will be charged.
www.tigertours.co.uk/Terms & Conditions.htm

# A penalty charged by financial institution for not paying instalment due on time.
www.iproperty.com.my/financing/glossary.htm

# The penalty a borrower must pay when a payment is made a stated number of days. On a first trust deed or mortgage, this is usually fifteen days.
www.remax-classic-realty.com/glosery11.html

# A charge assessed by a lender against a borrower failing to make loan installment payments when due.
www.sanderco.com/Glossary Pages/L.htm

# A fee added to an installment as a penalty for failure to make a timely payment.
www.trustors.com/Glossary/finance_glos.htm