When Halifax decided to change their OD charges from calculated interest to a daily charge of £1 per day, I complained most vociferously because it meant my monthly charges would double as I had an OD of £1500 which we were permanently in because our income closely matched our outgoings. I offered to carry on making the calculated interest charges and would try and clear the OD as I did. They weren't interested, and said that they can change their T&Cs as and when (which they can) providing they gave me notice (which they did). I said I don't agree to the changes so they said I should close my account, but added that I couldn't close my account whilst I had my OD. So in a nutshell, I couldn't close my account because I couldn't pay off my OD. Whilst the account was still open, they would start to apply the new charges which would then cost me approx. another £15 a month. I wrote several times saying I don't agree, that they cannot force me to pay them because I don't agree regardless of whether the account is open or not because I explicitly told them that I wasn't in a position to pay off the OD before the new charges took effect. The only way I could avoid these charges was to jump ship and I moved to Alliance & Leicester who in comparison were a fantastic bank. I monitored the Halifax account and they carried on adding their new charges and then after a while starting complaining that they were building up as they were now charging the £5 per day unauthorised charge. I wrote back repeatedly saying that I am not liable for charges I didn't agree to pay. In the end, when the account was £1600 in the red, I asked them to supply irrefutable proof that I had agreed to the charges. Their response? "As a gesture of goodwill, we have decided to refund the (new) charges to the account and will no longer apply any more." Huzzah! Result I thought, but there was still about £60 I couldn't account for as I was certain it comprised of the charges I had not agreed to. After many months of arguing about it, they refused to budge on it, I thought "F**k them, they can chase me for it properly, I've been reasonable and made fair offers with reasonable conditions. Since I skipped banks, the agreed minimum £1000 per month had not been paid in and so they had been filing a missed payment mark on my credit record. I set up a standing order of £10 per week to be paid into my old account. A few weeks later, I checked the Halifax account and discovered it had disappeared! I cancelled the standing order and checked my credit record. They had filed a default. Gee thanks for that. I then had a variety of DCA chasing me, so in the end I set up another £10 per week standing order. Now to the crux of my post. I noticed mention of BCOB on here. Can I use this to force them to remove the negative marks on my credit record? I believe I have been unfairly treated. It was they that put me on the back foot, giving me no option to take the action I did, which led to default. Thanks in advance, Bigyeti