8% interest added/jdl holdings

I am in the process of a shortfall dispute with the Alliance and Leicester.HDL holdings are trying to collect the debt on thier behalf.I have asked HDL to supply evidence and have issued a SARN.I have recieved letters back stating I am not cooperating and now they have activated suspended interest charges of 8% per annum.Which they have stated will make my account more viable for legal action.Can ayone comment on this.I would be very grateful. David

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