Welcome to our Community though apologies for the disappointment over the slower speeds.
The fault affecting you will cause speed degradation at peak times but there should be a substantial improvement at other times. I can see that you've already discussed your credit options so I shan't hand you over anywhere else for that.
We shall be happy though to provide updates if you need them. As the pre-upgrade work is being reviewed on 29-03-2017 we shan't have any information prior to that. But if you feel that your speeds are slow at all times please post an update on here and we'll investigate that as a potentially separate issue.
By the way - FTTP is currently only being being provided into those areas where fibre optic has been expanded.