Well I don't actually remember applying at Capital Finance One directly, but on the date they are saying that I made an application which was on the 16th October which I think I made applications with other companies(third party). They also admitted that they automatically match post codes and address and just take payment which is absurd and never heard any other company ever doing that.

OMG!!! same thing happend to me at the end of last month. they took £342.00 in 5 or more transactions and bank told me to fill in forms etc which would have taken 30 days. They took this for a debt my brother owed which I had no idea about. I was fuming and kept phoning them until they gave my money back which they did in less than a week. I have also taken legal advice about this situation as they have fraidulently taken details from applications that they declined. Same thing they was accusing my brother of taking the cards details and the funny thing is I have only had the card for about 2 weeks and he was on holiday during this period. They have cost me more money as direct debits bounced, standing orders didnt pay out and bills were paid late because of them. I am now trying to get some compensation from them for all the trouble they have caused. As I will be pursuing this further if they give me no positive outcome. I have never seen a company ever do this. The lady also kept saying sorry about million times when they came to the conclusion that they took details without permission but that is not good enough especially as they have done it to other people. I understand that people should pay back there debts but not on the loss of others.