Hi, I am currently in dispute with Macquarie Bank ( Woolworths credit card) as I believe that they are in breach of our contract. I have a credit card with them but they have done several things that made me complain: They withdrew $635.77 from a savings account without my knowledge a week before Christmas, They did not update my name and address on their system for over 12 months even though I sent through my marriage certificate and emailed and called them several times to do so. They did not send me statements. They deleted emails I sent to contact them without even reading them. I am dealing with them through FOS ( Financial Ombudsman Service) at the moment and the bank has agreed to refund back the $635.77 but something tells me that they are in breach of contract?