You don't have to fight. You just say "I don't like that particular debit" in the internetbank or by phone, and the bank is required (by law) to credit you back; and then the (angry) utility company can try to deal with you.

I don't pay any bills manually; all of them (utilities/heating/electricity, mobile, internet, kindergarten, insurance, creditcard invoice) happen automagically - I just review online how much was paid and how much I have left :)