Read article in Indy yesterday.
Just about to write demandind RETURN of money with menaces.
We are regularly charged £30 each for bounced cheques and DD's, due, partly, to them taking DD's out before the agreed date, or them "allowing" for money due to go out (but not yet out) to be "debited", thus putting us overdrawn, even though we are not yet.
Will let you know how I get on.