At the beginning of 2013 I was in the midst of payday-loan hell, mainly due to gambling.
I have resolved all but one of those (who I am paying £2 a month to)
I lost my job in Jan 2011.
At some point Halifax allowed me to increase my overdraft from £3000 which I had from student account up to £5000.
I spoke to them at the time (or a couple of months later) about the fees (£100 a month) and they agreed to pause for 6 months due to no job. They then paused them again for another 6