Hi, hope you can help. On the 18th Dec last year I disputed around 13 CC transactions. The card issuer said they would look into the matter. On Jan 4th, 15th and 20th I chased the card issuer via Email to find out what was happening and they said they had been unable to talk or communicate with to the merchant. Then on the 23rd I received a letter saying due to the fact the transactions were PIN verified we do not believe these were fraudulent. They then said "if you can tell us how you believe these transactions were made please reply. If you do not reply within 10 days we will consider this matter closed and you accept these transactions". I sent a letter recorded on the 24th Jan saying I did dispute the transactions and explained the situation and how they couldn't possibly be made by me (e.g. 5 transactions within 1min!!). I also mentioned the fact that they hadn't even spoken to the merchant and couldn't communicate with them. I also said in the letter that if they do not reply in 10 days I will consider this matter resolved in my favour. I waited until 14th Feb with no reply and sent another letter saying since they hadn't replied I consider this matter resolved and to please remove the transactions from my account. I still haven't has any phone calls or any letters, but the account is overdue. I haven't paid the disputed transactions in over two months. Any recommendations on what should I do?? Advice appreciated! Thanks D