you could have a read of Martins piggybanking budgeting guide - The Budget Planner: Free tool and guide to managing your money... seems quite sensible.

Use this address: Customer Service Response Unit The Cornerstone 60 South Gyle Crescent Edinburgh EH12 9WF On what basis are you claiming hardship? Natwest will send you a Common financial statement (income/expenditure form) to complete and return with evidences of arrears / debts. They should do that within 5 days of receiving your request.

Sigh i remember the Griffin -I had a Griffin Young Savers account with a lovely folder with a smiley yellow monster on the front to keep all my statements in - I was so proud.