So, in case anyone here is interested, it looks like the BVI gov has specified lump sum penalties per month, and in the first month it would have been $300 (plus $50 filing fee), in the second month $500, etc. Weirdly enough, the agent tells me it's $350 for me, even though we're in the second month now... So now I need to ask again why that is. I hate having to pull the answers out of them like this.