That first site - the logo looks a lot like "ass business ting" because of the stylised L - but I guess there isn't much you can do about that if you are using existing graphics! Who knows it might be a good thing!
The graphics on the right look a bit jaggy, did you have to resize them? They let the feel of the page down a little, which overall feels quite professional. Rounded corners don't quite work either as they don't blend in with the site and the rounding is a little rough. The Direct Debit logo is really jaggy.
I also think the breadcrumb font style clashes a little with the menu font.
There is a bit too much white space on the header round the graphic element on the right. Could you make it bigger or the logo a little shorter in height? Also the animated gif could do with a little polishing, anti aliasing on the fonts would make it look smarter.
Good use of Header tags for SEO, with the H1 at the top and the H2 for the container headers!
The other site is more polished. The header is missing from some of the pages: http://www.futurelegends.com.au/Pro...fault.aspx
is that deliberate?