I heard about this on the radio a few weeks ago.
It works apparently. They had a few people on the radio saying that they had there money back.
The only downside to it all was that one of the guys had his acc closed by the bank after he had his money back.
But still it only costs the robbing bastards maximum of £5 for bounced checks/direct debits but they still change you £20 to £30.
Clunts.