Hello how may I help you? I'd like to discuss my late fees What might your issue be? My statement shows I owe 800 in late fees, and I can't pay Would you like to establish a payment plan No, I'd like these fees removed from my account I am unable to do this As you are liable for them I am not. You signed a contract for this With your library car d You refused to accept the book when I tried to return it. This is fraud. You agreed to late fees everytime you signed a book out