First door stays locked till you are "open" at which point the floor is dry, the sharp things and cleaners are up and you are ready to receive kids. If he has to stand on porch till then too bad - remind him at least he didn't slip.

I think I know what he is referring to but not sure exactly what it applies to. There are limits that can be charged on loans - to prevent people from profiting on the backs of the less fortunate. No more charging outrages percentages and the limits are pretty much what the banks charge. Doubt this applies to fees as there is the option available to not incur the fees by not breaching the rules of the contract. I would probably just through that kind of a comment back at him saying well if you don't want to pay the fees then don't commit the crime.

Until he signs the new contract or you terminate the old one, then the old one stays in effect. So it sounds like if he doesn't sign the new one with the option of paying extra to stay if he pays late he is electing to be terminated if he pays late so your choice is to follow through and let him go.

Then if he comes grovelling back decide how you want to proceed. He sounds like he thinks he controls the world and maybe he does where he works but he needs to know he doesn't in the rest of life.