Firstly, on the 22nd December I was on my way down to Cornwall for a family funeral AND Christmas when my O2 Money card was suddenly and unexpectedly retained by a cashier in a service station. The card had, apparently, been reported stolen.

So I call O2 Money on 10202. They'd carried out a "general review" of my account and decided to close it. No warning. No Notice.

And, for me, no money over the entire Christmas period. Just a promise that they'd post a cheque to me within 28 days for the full balance of my card.

So I speak to a "Senior Customer Advisor" at O2 who tells me a security restriction had closed my account but having reviewed my account he was going to re-open it and send me out another O2 Money Card. He even gave me £20 compensation.

Great. Or so I thought.

He wrote to me on the 5th January and said, IN WRITING, that I wouldn't experience any further account closures unless I reported a fraud.

On the 22nd January, I couldn't load my card. You guessed it, my account was suspended again. And the security department don't work weekends so there was nothing I could do.

Well, there WAS. I told them where they could stick their O2 Money card. And I advise anybody reading this to do the same.

KD.