I had problems with this company. I had made a payment arrangement and then surprise, surprise they took all my wages. I think my whole saga is on this site somewhere. Anyway, the BCCA weren't able to help so I went to The Obusiman. It took 2 and a half months but I finally got my money back. I paid off the amount owing, however I was given compensation, money that was taken wrongly and interest. I say go to the obuidsman, may take a while but they get there for you.

Hi Guys on a more serious note , I had problems with this company. I had made a payment arrangement and then surprise, surprise they took all my wages. I think my whole saga is on this site somewhere. Anyway, the BCCA weren't able to help so I went to The Obusiman. It took 2 and a half months but I finally got my money back. I paid off the amount owing, however I was given compensation, money that was taken wrongly and interest. I say go to the obuidsman, may take a while but they get there for you.

Oh, renegadeimp thanks also(promise you weren't an after thought just stressed).

Kentoot, awesome. Thanks, I'll update all now. I think what hurts most is it's my birthday on Wednesday I have a sum total of £1.20. Was going to spend cause would have probably had the same amount, but at least I would be secure that everyone had been paid.

Thanks I sent a complaint and the bank are "invesitgating" I sent the final response from Capital Finance One as well stating that there was an arrangement and there system automatically takes the money(even though they didn't have my detials till I gave them to the collections department). Has anyone ever won against these guys?

I've put a complaint through to the bank as there not going to do the chargeback. I'm just flagging this everywhere! Would really like to know how to start my civil suit though anyone?

Kentoot, how do I start that process? I was going to go to Citzen Advice? Also Renegadeimp, I am SSSSSSSOOOOOO naive. Thought I was doing a good thing, setting up the payment arrangement striaght away. I contacted my bank and was told because I owed the money they could not interfer and OFT were giving out the wrong information as there is a new ruling stating this. Is this not right?

Hi Guys, I had a loan with this company and was pay just the interest until my bonus came through. After a while I requested to be put on a payment plan as I was paying a large amount of interst which covered the loan tenfold. I was told they could not do this without going into default. Not an ideal situation, however for the month of Feb I was flat broke(Council tax and other debts) and I did not make a payment. Within Days I recieved txts from what I was lead to believe was "MT Collections", I responded immediatly and made an interim payment, with the understanding I would pay £100 a month. I recieved more txts and each time was assured that the txts were automatic and they repayment plan was in place. As per many other people on this thread, payday came and CFO cleaned out me bank account. When I called, they were at first helpful confirmiing that they could see the payment arrangement and they would try to help. However, as the day wore on and I called back I was told there was no way I was getting my money back and to basically stop calling(there was alot more said in there as well). I calmed down and called back asking for the complaints department to contact me, I was assured that they would within the hour(still waiting). In the meantime I contact FSO who have taken this as a case and I have the reference, I also wrote a letter to James Keeble(no response either, I don't think he exists). I called back again and informed them of what I had done(surprisiingly nicer to me), I requested a breakdown of all charges and what was owed, my account detials and response from the complaints team. Today came round with still no repsonse, I called again from my work phone where all calls were recorded. I called several times and have now been told by a lady called Jolene that I would not recieve my money back(even though I had the agreement) and she will be sending me an e-mail and letter through the post confirming this. I have also asked for all written communication on there "system" and any letters. Can anyone confirm whether there is anything else I should do? I am looking to also mount a civil suit against them. Has anyone else done this? Have they had any success? Any information would be awesome thanks.