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A&L Charges

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Alliance & Leicester are trying to charge me £226 for being 17 days late paying off my account when trying to close it, I also underpaid by 1 penny.These charges are made up of £25 at a time,believing these charges to be unlawful because of the campaign on this site,I refused to pay them & told them so by phone & letter early on in the proceedings. I sent them a modified letter from the template supplied,to no avail. My question is where do I stand legally as I haven't actually paid the charges yet so I can't claim them back. They are now threatening court proceedings(does this happen without my being there) which I understood they didn't like doing,so time is of the essence, please help.
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