Kestrel. Thanks for the advice.
I realise that the c/card company is exposed, so they keep some back in case of refunds. But 34 milion, ffs!
By keeping so much back they have precipitated exactly the situation (bankruptcy) that triggers the refunds.
By all means give E-clear the benefit of the doubt if you wish.
They sound like a right bunch of
to me. I wonder how this will pan out. My guess is that when the dust settles, E-Clear will not arise smelling of roses.