Hi, read both of your posts. First of all there are no shortcuts that can be taken and you do need to follow all the steps properly.
Providing duplicate statements from their website is a service they can charge for. £5 is steep but practically speaking you're not going to get anywhere arguing about it with them.
This is why you are better off sending the £10 and the Subject Access Request. They are legally bound to reply to that with the information although it can take up to 40 days.
Once you've got that you need to compile a list of the charges that have been taken from your account, then you write them a preliminary letter (the prelim) asking for the money back.
They'll try to fob you off so you write the second letter (LBA or letter before action). This might or might not result in an offer although if it does it won't be for the full amount.
After that you then make a court claim. The online version is known as Moneyclaim Online, abbreviated to MCOL. If you want to go to your local court you use a form known as an N1. The details to put on the form are known as the particulars of claim, often abbreviated to poc. There are templates on this site.
After you've filed your claim with the court it is then served on the bank (the court does this for you). They have 2 weeks to acknowledge receipt. They then have effectively two more weeks to submit a defence or to cough up, so 4 weeks from service of claim to you knowing if they'll defend or not.
After they defend (most banks do, not sure about Cahoot) you'll be sent a form to fill in by the court known as an Allocation Questionnaire (or AQ for short). This lets the court decide whether your claim is a small claims track (aka small claims court) case or not.
After that you get a trial date and it's 99.999+% certain that you'll get a full offer before your trial date.
That's it in a nutshell, any more questions?
New claim with Cahoot 
