ISPC SUNTECH CORP falsely interpretation of interest(8.80 APR) on monthly statements versus actual interest charged monthly ODESSA Florida

received a notification by e-mail that changes to my revolving account will take place and that they are modifying the agreement to arbitrate. i send them an e-mail explaining that i had just been put on disability and wife overlooked the fact each time we pay them and get a new statement they charged 51 dollars(interest) out of the 63 dollars we pay a month plus a 7 dollar maintenance fee.(the quoted APR on statement shows 8.80% this is outrageous and i will be disputing it since i will never pay this account off with them only applying a few dollars to the principal amount of the loan. after reading all the reviews i will be looking at the contract i signed since i am scared with the horror stories and i trusted this people in my home. they forward me the e-mail again as if that was an answer since i told them i needed that correction made on the account. i will also be looking at the date