Brendan,
Update
I contacted Ulster Bank and the 'Fees charged' was actually income protection payment that we pay each month with our mortgage payment. Credit rating not affected.
There is an mortgage over payment so the account is well in credit.
The calls relating to timing of mortgage payment(merged system) had nothing to do with this.
You get worried that your being charged for something that was no fault of your own. They said not to worry about the numerous letters about mabs help as they were sent out automatically.
Thanks for your help.