Why have I been charged a penalty?

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Rate demands are sent in April and should be paid immediately. If you have failed to pay a reminder will be sent in July. If you still fail to pay the debt will be taken to the Magistrates Court and court costs will be added to your account.

I am likely to have a problem in paying my rates. By when do I need to advise you of this?
I sold my land some months ago. Why are you charging me a full year’s rates?