The bank said the only way I can claim back is if I had a written agreement of the amount which sucks!I didn't think that the police would be interested in something like this. I did owe the company the money but I certainly did not give them permission to take it all at once! Nasty unprofessional people!

THESE PEOPLE ARE UNLAWFULL!I have had huge arguments with these people and they took £120.00 from my bank without permission! I have pasted an email I sent to the financial ombusman service. Sorry but it will take ages to type it out again. PLEASE DO NOT GIVE THEM YOUR DEBIT CARD DETAILS!!!!!!!!!! Good morning,I am writing to complain about capital finance one and the company that claims to be their collection agency.Attached is a letter I received from a company claiming to be a collection agency called Mitigate Trace & Collect. I called you last week about this collection agency but found out they are not actually registered.This company sent me several text messages at the begging of February threatening to turn up at my place of work. I then received the attached letter and gave the company a call.I stated in this call that I am in financial hardship and paid them £30.00 to hold further action on 09.02.2012. I then stated that I can make a payment of £30 every month until this balance is cleared. The person I spoke to at the time had then asked if I wanted him to call me back to take this payment. I confirmed that I would like him to do this. The payment was taken in the name of Capital Finance One.I was then paid on Wednesday 29th February and after not receiving a call by lunch time, I called the company to make a payment. When I called I said I would like to make a payment of £30.00. The gentleman I spoke to said there was only a £50 balance left on the account. Without thinking, I paid the balance and terminated the call. After looking at the letter again I realized I owed the company £167.12 and wondered why they had said £50.00.I checked my account statement that day and realized they had already unlawfully taken £120.00 from my account using the debit card details I provided them earlier on that month. I called the company back and informed them of the unlawful activity. I asked to speak to a manager and eventually after being cut off 4 times I was passed to someone who said their name was Charlie Taylor. He said we would launch an investigation and listen back on the call and get back to me by close of play Friday (2nd March).After receiving no phone call, I spoke to the company again today. I was passed around to several different people and was then eventually passed onto Charlie Taylor again. He said they investigated my claim and can confirm they had sacked the person who took it upon himself to take the money and confirmed it was unlawful activity. I asked for my £120.00 back like he had promised as it was unlawful and said that I would then set up a standing order to them for the £30.00 a month that was agreed in the first place. Mr Taylor refused to return my money and gave me no reason as to why. He just kept repeating the same sentence over and over about the person being let go. It sounded as if he was reading from a script.I said to him that I know Mitigate trace and collect are not a registered collection agency and said that they are in fact Capital Finance One. He denied this and said the reason why the payment is taken out in Capital Finance One's name is because they use the same merchant provider. I would like to make a formal complaint to capital finance one as I believe it is in fact their staff who have sent out letters pretending to be a registered collection agency. After googling their claimed name, I did infact see that I am not the only person who this has happened too.