this would not be a good idea, 1 its fraudulent and 2 its theft, anyone that signs up to have access to a card reader has to abide by certain rules not that im condoning any of the above but you cant just take his money from his account even if he has swindled you out of a few quid. id suggest those that have paid via paypal lodge paypal claims and escalate them immediatly and those that have bank transfered keep harrasing and make th police aware of it