Business ProfileforAllied Trustee Services

I am a first time home buyer and not fully aware of HoA and the payments. so initially i thought the mortgage amount being collected is including HoA payments and didn't make any payments separately. when i received my first notice from HoA i spoke to my bank and sent an email to HoA to sent more details on how to make payment and we exchanged few emails and payment was delayed. they transferred the balance to Allied Trustees. I sent *** an email saying i am ok to pay the full amount once i know the process to pay which is $650 including late charges at that time . but they said i can pay only to Allied Trustee services now an i have to talk to them.when i spoke to them they charged me $2000 extra as a assessment fees. i told them i cant pay that much and reduce the charges. so that i can pay entire amount but they refused. so i paid my payments excluding Allied Trustee charges. i asked them for payment plan but they are charging 100% extra for the payment plan which i refused and paying my HoA payment only monthly. no they are charging $30 extra as partial payment fee. finally they made my charges to $2900 after 12 months. i am still begging them to lower their charges and they are denying it.I am still not sure how charging 5 time more of a amount due would be reasonable for any company when a person couldnt even pay the initial amount beacuse financial burden or any other reason and how can they justify these charges