the bank have agreed to credit my account back by close of play today but advise this is a loan from them and if they are unable to recover the funds from cfo they will take it back out my bank in 10 days time. has anyone else got to this point and had the money taken out again. i bank with nationwide? thanks for all your help and advice everyone, 4 days later it has paid off.

that's what i thought, they just kept saying that because i have dealings with the company, it needs to be dealt with via visa dispute team. my argument to them was its irrelevant i haven't given my authorisation for this money to be taken. CFO must have something though and im so worried. I recently took a payday loan but definitely nothing to do with them. it just keeps going round and round in my head that they must have something on me or they wouldnt have taken it

hi john, i have a loan with myjar and with liquid loans nether i beleive are linked to CFO however, can the bank refuse a refund if i have completed an online application and CFO were passed my details via a third party?

well im going to stick to my guns tommorow and hopefully will get my money refunded. in fact i refuse to hang up until i do. I just know its gonna be such hard work there not going to willingly refund me £1000 even if it is my money. i just cant beleive banks anyone would think its their money. you would think my word would be enough to get a transaction cancelled if i want it to be!!

apparently thats what they will be doing in the morning. they open at 9 so i will call them immediately and then i wont be getting off the phone until its refunded....

dx i do have a pay day loan on my nationwide account but with myjar not CFO. CFO advised me yesterday they do not have sister companies and therefore i would have had to apply with them direct which i know i didnt

apparently the call centre cannot authorise the refund however the manager will contact the dispute team tommorow and will call me back. so lucky me i get to go over it all again tommorow. they said if im eligible they can refund tomorrow. I feel like im banging my head against a brick wall. I know there gonna say they cant do it tommorow as the company have obviously got my bank details when i recently applied for a pay day loan with another company. so it must be legitimate. does anyone know where i stand with regards to the fact i have not received nothing from CFO stating they will be taking funds?

called the bank this morning, they advise the visa dispute has been opened and they should refund the money within 7 days whilst investigations are carried out. After reading everyone's forums i am expecting them to refuse to do this so will call them tomorrow first thing and ask for the refund. The only thing is Andrea, i openly admit i wasn't paying CFO but surely they would need my authority to take this money or at least advise me they would be this has to be illegal???. I think the only thing i can tell the bank is that FSA guidelines state my money has to be refunded to me immediately whilst investigations take place. Like you say dont be rude but be firm

Im not sure the link will help with the money already taken it will prevent them taking more however, i never cancelled the authority with my old bank i just stopped paying it. I assume as i no longer used the bank they closed the account. My new bank shouldnt have let it go through in my opinion surely 5 transactions totalling £1100 would ring some alarm bells.

no unfortunately mine does not plus im in arrears and set up a plan with them which i have been paying and now this happens. i have emailed them to advise of the situation and hope they will understand.

its nationwide. Have you experienced this to, if so how should i proceed. Just called them again and they advise i need to talk with the Visa Dispute team Monday morning. whats the best way to proceed on Monday?

Oh my god, i need to rant and seen as you guys have experienced the same issues, i hope you dont mind. Last night £1100 was deducted from my bank account, I call the bank and they advise its the famous CFO. So this morning i speak with the bank and they advise its not fraudulent activity so ill need to make a visa dispute which can take a week and may not even be in my favour .I call CFO have a massive row with them and ask for my complaint to be escalated for her to inform me she is the entire complaint process... .i think not...so ive emailed the director, Mr Keeble. I have been so stressed out all day, even cried. I Cant pay my mortgage, feed my son, pay my bills its terrible. After reading through all the forums, I have sent my bank 4 emails i have thrown everything at them, FSA, OFT and BCOBS. surely they have to refund the money. The payment was not authorised by me nor was i given any form of notification this has to be breaching some regulation!!! If anyone else has any other useful info that will go in my favour i would really appreciate your assistance. I really need my money back. I did have a payday loan in 2012 and changed banks to avoid them taking the money as i was in financial hardship. It was only last month when i had to apply for another that they must have got my details. I remember going on their website but didn't process my application as i realised it was them. I know this sounds awful but i just dont have the money to pay them im looking at going bankrupt