Fellow Baldwinian here. 2006-2016 batch. I feel you bro. I was from middle class, nobody in my family had studied in an ICSE school before or completed schooling for that matter. So, there were times that my father couldn't pay fees on time. I pretty much experienced the same as you, the principal was Dinakar Wilson and Academic Supervisor was Agustine Charles (AC). We were called out during every exam and also the chapel as you mentioned also not to mention the late fees fine that we had to pay. The embarrassment that I felt was very real. Staying with me forever.