I originally wrote one 6 page letter to my bank (which has my VISA card). About 2 months later they asked for a follow up. I sent another 2 page letter regarding that. About one month later I received confirmation that VISA had credited my account (permanently). If you have an interest in what I said in my letters, send me an email and I will send you copies of the text. Maybe you can use it as a blueprint for your own debate.
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