They cannot access our credit. There is no mechanism for late fees. It is really not worth pursuing until the amount goes over ~$5,000. Yes I realize it seems hypocritical, but the point remains. At some point someone dropped the ball, we need to figure that out.
I could always send a bigger check and just say I was paying ahead and see if he finally realize that I was actually much more behind. Then maybe just wait until the annual meeting to say anything.
"So we should have collected $xx,xxx, but there are only $6000 in late dues, but for some reason we are actually $xx,xxx-13,000(whatever amount)." I guess the other problem was I am not sure who was to blame for this so I didn't want to come out and just blame him.
How we have been allocating capital expenses has usually been to go to the meeting in late fall and decide how we will allocate the additional revenue (continue to update the siding, upgrade landscape, delay repaving...) So most of the money is spent in the first part of the year. I guess I have lost our HOA some interest though.
You pretty much gave me the reason I was hesitant to go to the board, they would just be pissed I told them I hadn't paid yet instead of paying attention to the greater issue.