I had a debit from my account today £69.75 and bank charge for going over my overdraft... by `epm power-search.b` aka power-loans.com so googled it and came to this page (hello) and thanks for all the good advice. I didnt sign up with them either, think I did `payday loans` I phoned power-loans this morning who gave a lot of spiel about how I had signed up and was a now a member and said to write within 14 days (of money debiting your account is this? ) They have to close your `membership` and refund within 14 days after that I think. My bank says that`s a waste of time - to send the letter anyway - just so they have it that you want out of their t`s & c `s. My bank (co-operative) says its not fraud as you have entered your acc / bank details - you DONT need to change your bank acc / card - with all the resulting hassle - you should to contact `visa (or whichever card) DISPUTE department` who will stop further payments from company or affiliates going out (without need to change anything) so Im sending letters to power-loans (or whatever they`re called) my banks dispute dept. and the financial ombudsman. On a personal note, I am a single mother too and we`ve had only the scrapings from the cupboard for days as this was my food budget for the week they took. It is sick how they target those most in need !