Hi, i've been following some of the stories posted about problems people are experiencing with Capital Finance payday loan and wondered if anyone could offer me any advice with a problem i've got with this company. On my last payday i found that almost £500 had been debited, when i checked with my bank they advised that 7 debit card transactions had been taken by Capital Finance. They gave me the phone number for these people as i didn't know them. Capital Finance told me that i had an outstanding agreement with them for a payday loan, taken out in March 2011. I requested a copy of the loan agreement. They emailed me a copy of a loan, in my name and address, for £200. This document was unsigned. When i queried this they said that it was signed electronically. I don't know what to do about this. My bank have been apparently helpless as they say that unless i can prove i DON'T owe the money they can legally debited my account. They have already taken £488 in charges and say there is a balance remaining of £600+. This loan was apparently taken out early 2011, my address, employer, phone number etc have not changed in that time but my bank changed in Dec 2011. They could/would not tell me why they have not contacted me for payment before, nor how they have my new account details. They have refused to consider an agreed repayment plan while i investigate this further and i am, therefore, likely to be cleaned out again every payday. Can anyone offer any advice please?