Hello, I am happy to assist you today.
Sorry to hear about your situation. It does sound like a very high late fee. They do have to prove to you that you owe this fee. Is this something that you have in writing?
I also agree with you that they should be able to inform you if you are late by email, but I think they do have to also send it by mail just to make it legal.
I think you should talk to them and find out exactly how and why they are charging you so much, first of all. It makes no sense that you would owe $900 for missing a $200 payment. That would not be reasonable. So get the actual language that says that. I bet it doesn't exist and they are just harassing you.
Then, if it doesn't exist, find out what the actual late fee is supposed to be, and then I would pay the 200 plus that late fee. You shouldn't have to pay if that isn't a legitimate fee.
If for some reason that fee is actually on the books, I still think you can fight it because it's not reasonable. I would make a good faith offer. Maybe $50 additional or even $25. That should be sufficient.
Please let me know if you have any questions about this.