It's a wonder why they can't use Paypal payment system instead? It's a helluva lot secure and less hassle. It's like this club is living in the dark ages from what ive heard asking for fax copies of credit cards.. geez so passe and unsafe. That letter of apology, sorry but it's sounds rather quite insincere, basically it's just saying sorry but look after yourself - we cant do anything for you.... so much for their help when their the source and cause of all this misfortune... I feel for those affected (as I myself have not joined and wont join this dysfunctional club)