It isnt as tricky as you think to reclaim your bank charges, here is an up to date timeline,
LATE 05. The first campaigners won bank charges reclaims
JAN 06. They contacted this site and the first MoneySavingExpert.com reclaiming guide was published
MAR 06. The first newspaper column on reclaiming was published
MAY 06. The first [...]

Create a budget. This is very important for families and singles as well. Its very important to know exactly how much money you have coming and how much money you have to go out each month. Once you have established a budget of your expenses, you’ll be able to identify where you can save more [...]