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Dear Customer, thank you for choosing Just Answer. Unfortunately, by failing to pay the note each month you were most likely in breach of the loan. I do not have your contract in front of me, but most billing statements by banks are done only as a courtesy.
I do not know what the status of the interest is, but all of the rights and obligations under the loan are included in the terms of the contract. It is possible that you are right and the bank is in breach of the contract (this does in fact happen), but the only way to find this out is to carefully review the terms of your contract and see what your rights and obligations, as well as what the rights and obligations of the bank were.
I hope that my answer was of assistance to you. My goal is to provide you with excellent service – if you feel you have gotten anything less, please reply back, I am happy to address follow-up questions. Please remember to rate my service once you have all the information you need. Thank you for your business!