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Yes, they have the power to do so.
What you need to do is write to the Company and make a formal complaint.
They will investigate the matter and report back to you
If they do not uphold the complaint you can then you can go to the Financial Ombudsman.
They offer a free, independent service and can examine your complaint for free at:
That should resolve the matter for you.
Can I clarify anything for you about this today, please?
If you need anything further I am available for a follow up at no extra cost.
I was just following up to see if there is anything else I can assist you with today? If so, just let me know.
If not, then I am happy to have been able to assist you.
Interest can be frozen on default unless the lender says otherwise.
It is not automatic. The terms would allow them to continue to charge interest.
So unless they say otherwise, it would be still payable as a matter of contract.
But you should take the steps I have outlined above.
Does that clarify?