I have a small leasing company and I am disputing some late charges from a finance company, I send a payment in full for the balance and other misc. charges. I did not include the late fees and marked in the memo line that the check was a payoff with the account number. The finance company deposited the check and state that I still owe the late fees. Do I have to pay the late fees if they accepted the check that stated it was a payoff?