Thanks for that El-enn, will keep you posted.

El-enn, if you could give me the information to help me submit a SAR then I will quite happily do that. I haven't had a response yet from the person at Lloyds TSB I emailed, they haven't even acknowledged it so don't know if it is being dealt with or just being ignored! Not going to give up, will try and get another name or if anyone on here might have an email address for one of the head honchos at Lloyds then I would be really grateful if you could give that to me.

Yes I did receive a text from Money Majesty. Whenever I have applied for payday loans I do tend to look at the bottom of the page on the website to check that they aren't affiliated with CFO and as you said there was nothing on the site to indicate that they were. I have managed to get a name for someone in Customer Relations for Lloyds so have emailed them and now awaiting their response.

Ell-enn, the payday company was Money Majesty. BornThisWay and Renegadeimp - Thanks for your replies. I am going to look at the thread that you suggested and am also going to look into taking this further as well. Plan to find out the details for Lloyds TSB Customer Relations to see if they can sort me out with a new account as I am getting no help whatsoever with Branch or their call centres. I contacted Disputes this morning as money not back in my account yet. They told me that it will be in my account by lunchtime so will be keeping an eye on my account to see if that happens.

Thanks for your reply, renegadeimp. What can I do though to sort this as not sure where to start?

Hello, I'm new to these forums and have been reading through this part of the forum with interest as I am having some major problems with Capital Finance One. I took out a loan with Capital Finance One early last year and then went into a DMP with Payplan. I have been paying them since then and there was a couple of occasions late last year when CFO got money from my debit card but I moved banks and changed my debit card details and there were no further problems. In July, I was a bit short on money and applied for a Payday Loan online, turns out that the company were a subsiduary of CFO and when their page came up I panicked and realised that they would now have my debit card details. Needless to say on my payday on 31st July, a total of £421 had been taken from my account by CFO. I contacted my bank's, Lloyds TSB, fraud department who told me that they couldn't refund the money but would put a block to prevent CFO from taking any more money. After carefully watching my account for the rest of the month, no further transactions were taken from CFO so thought that Lloyd's block must have worked. On my payday on 31st August, I checked my account and CFO had again taken money from my account totalling over £500. I contacted Lloyd's fraud department who passed me to disputes and they informed me that the money will be paid back into my account tomorrow (Tuesday). When I asked them about the block, they told me that they can't block CFO from taking money and that I could be having to go through this whole rigmarole every month of contacting the bank, getting refunded and in the meantime my bills aren't getting paid or being paid late because of all this hassle. Can Lloyds stop CFO from taking any more money? I moved to Lloyds from RBS because I had similar problems there so don't want to have to move banks again if I have to as my credit is not good and don't think I will get accepted elsewhere. Any advice you can give would be appreciated and I apologise for this being such a long post.