Just a quick note to anyone who may have doubts about this...BELIEVE, IT WORKS!!!
Got my letter from Moorcroft today saying a 'account closed'
Very long letter about how many of these letters they get and free availability of them - sounded a lot like admitting there wrong to me!
Anyhoo, thanks to everyone who has posted on the forum asking questions I had, and all those wonderful people who gave the answers
My wife wasn't so sure this would work either, but I now get to reep the benefits....