Thanks for the replies so far.
I didn't make 17 different calls, just the one but had to say 17 time 'please tell me my Pac code. They started with 'may I ask why you want it' I replied, NO. They then tried 16 further times to find out why I wanted it, what they could do to keep me, why it was bad to leave etc etc etc.
OK, back to my actual question. As far as I can tell from the limited replies so far, THREE do not have to tell me where my credit has gone. So, I have gone - elsewhere!