Non DD charges

Ok today I was stuck in a meeting and Non Direct debit charges were brought up and it got me to thinking
If you pay quarterly Bt demand the money within 1 working week of the email(paperless billing) However for that 1 Payment you are charged 3 months worth of processing charges. (non automatic payment plan)
So I checked with a few people and they said I should ask why bt is actively charging 3 processing fees while demanding a quaterly non auto payment plans payment within 1 working week in full. as thats one singular payment with 3 processing fees?

Yup thats why i refuse to pay in advance and given all the errors bt have made i wont sent a DD up as i got to a point they had near £200 because they were drawing the wrong payments. however its one of a few questions and bad practices bt seem to keep avoiding trying to answer. As of today I have been speaking to a consumer affairs television show regarding this matter as they are doing another false direct debit charges show, and this fits right in.
1: Billing is actually safer to have paper bills as bt have gone against standards and made their online bills have only 1 working week to pay within receipt of the bill before they charge a late payment fee AND a disconnection fee the former standard (even on old bt paperless bills confirmed by checking) was 2 working weeks.
2: The bill is demanded in 1 singular payment or you receive charges of £19.50 , so why Is bt charging 3 processing charges when they demand and then penalise you if you do not pay 1 lump sum within 1 working week. Your left with a choice a £19.50 penalty OR 2 falsely charged "payment processing fees" on top of the one for the singular payment.

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