Help, i would like to clear my debt, how to go about it?

[xxmissxx]

Hi all, i have recently come into into a small inheritance and would like to clear my debt.
My statement says as follows:
Credit limit: £900.00
Opening Balance: £1,208.41
New transactions and interest: £47.44
Closing Balance: £1,255.85

Now because iv herd all this pollarva about wrongful bank charges, i was wondering if theres a way that i can make an offer of payment in full if my bank agrees to take off some/or most(would be better) of the interest charges applied to my debt, so that i can therefore cancel the account totally and be debt free.Iv had this debt and struggled with it (because of the charges) for the past three years, so does anyone know if they would accept my offer, and if they might, how do i go about it? Who do i contact-a manager at the bank or just a regular cashier or clerk?

[spamheed]

the two things are unrelated

you need to go after the charges, if they are unlawful and are refunded, this will reduce the balance

then pay off the remainder at whatever rate you can afford.

they don't decide on any of this.

on this site there is an area specifically for claiming charges back from banks and such, take a look and follow the processes to completion, this would be the first step