UPDATE!!
Okay, so after last night, I decided to email the CEO of Halifax all of whats happened so far, and my problems and how i would like to solve them.
I used things about BCOB and the like several times within the email, mainly in regards to unfair treatment.
I expected nothing back but
today at work I received a call from the CEO's office who left a voicemail to call them back.
I duly obliged and this is what has happened as a result:
.They have refunded all overdraft fees that I have paid to date on the overdraft
.They are freezing OD payments for me on a three monthly rolling contractual basis
whereby I must call every 3 months to show them I am working to reduce the OD and if I am, they will continue to freeze charges for a further 3 months
. I must show I am working towards paying the OD off by means of a series of payments each month which reduce the OD. These must be above £10/month
The lady I spoke to was by far the most helpful woman I have ever came across in my life,
she was really enthusiastic about helping me and yet extremely considerate to my needs as a customer and a human being, something which I rarely find when calling companies.
This is going to be a massive help for me, I could not express my gratitude to her any more than I did.
This now enables me to pay off the overdraft without having the worry of them chasing me and having all my money spent on the OD eaten up by fees!
I am absolutely delighted, literally cheered when I put down the phone. Feels like I have a new lease of life.
I now have the personal number of the lady who helped me and my reference for future calls so that she can assist me.
I have never been so happy at some news and without DX mentioning the BCOB to me, who knows, I may never have sent that email!
Thanks to all that helped me so far