Yes it's all true. Ginger picks a fella up in his taxi that works for a company that will fight for your charges back.....I did have his number somewhere. A lot of people are actually doing it now....and winning their money back that they have lost due to banks charging £30-£35 for sending a letter out when you are something like £2:00 over your limit, and the bank is aware that money goes into the account regularly.
Good luck to anyone who claims it back...... bleeding banks.