Confused ...where to start please advise

[weefee]

Hi people, ive been lurking for a while, reading about other peoples crusades to get their money and charges back and i have taken great comfort from the fact that it actually seems to be possible that the little people (figuratively speaking) can take a stand against the "big" banks and claim back what is rightfully theirs.
I am now ready to get started with my claim for charges levied against my account, I am going to give some background info to try to find out exactly the best course of action to take, so I appologise if im a bit long winded but here we go.... I split with my long term partner last Feb, and so am in receipt on income support, child benefit and child tax credits, prior to Feb 07 i did not receive any benefits or other source of income due to ex's large salary, so as i understand it i can only claim from Feb 07????
I have ALL my bank statements from when i opened my account 4 years ago so do i need to S.A.R - (Subject Access Request) them first or can i compile my list of charges from the statements i have??????

Which letter do i post to the bank???? "how to get your charges back whilst on benefits, or do i notify the bank that i consider myself to be suffering from hardship and post this one "Letter for an application for consideration for hardship"
( i have highlighted these because when i tried to preview post i was told i cant insert links until i have made 5 or more posts ) but they are all templates from here!!
I understand that i should include an income and expenditure sheet, documentary evidence of hardship i.e gas bills council tax arrears letter etc etc etc and a spreadsheet showing charges and interest applied for ( ill post about that one later asking for advice on how to complete):con fused:

Ok lastly where do i post letter to???? from what i have read im planning on posting to head of customer complaints, Richard Harris ( I think) or do i send both this person and my local branch??

If some of you lovelly people could let me know where to start and which letter i should do (if not both of them) i would be really gratefull. many many thanks in advance.

[**Tilly**]

Hi Weefee

If you have all of your statements, you do not need to send a Subject Access Request, your next step is send your prelim with a schedule of charges along with the hardship letter and your expediture sheet, always keep copies and send recorded delivery,Good luck

2. Letter - Preliminary approach for repayment.

Hardship and Stayed Claims

The Budget Planner: Free tool and guide to managing your money...


Abbey Contacts


Tilly

[weefee]

Thanks Tilly for your reply ive got everything ready now except for the schedule of charges, looking through most other posts it seems that people are using the letters they have received from their banks to fill this in, im using the scotland simple bank charges excel template and am just wondering do i have to enter in every transaction from my statements in date order, or do i just enter all the dates and amounts that i have been charged, can some one please let me know what im doing with the interest calculator as im clueless as what i can ask for and just to confirm im going to post recorded delivery to complaints dept and also hand copies into me branch is this ok??

Fiona