So, on appeal they offered a massive discount. And after presenting chronological events furnished by the lawyers, they waived it entirely. I think they were just trying their luck. Another friend also went through the same process and had the late payment fee waived entirely as well. To each his own, but I think the month delay via this process is easier to accept than an uncertain time frame dealing with the lawyer and or bank to try and get my penalty refunded. Of course the above assumes that the buyer was not responsible for the delay. Best of luck to rest of the buyers. It's a really nice precinct.