Shaun I expect these people may have done the advice, its luck if you end up in court or not, seemingly the ones that ended up in court are because the bank was too overwhelmed and it wasnt intended. Sending the letter templates doesnt affect what happens in court the court preparation does and to be fair I havent seen much advice on court preparation because all the sites like CAG are so confident that you wont end up in court so they not bothering.
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Also - STOP USING YOUR DEBIT CARD IF YOU HAVE NO MONEY!
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Umm with my debit card if I get a declined payment there is no charges, didnt you mean stop setting up direct debits when you know they will bounce?