There was one payment missed of a small amount less than €20 this was one week ago and I intend to make the payment. I have not missed any previous payments on the card. The bombardment of messages and calls is what you would expect fropm a psycotic ex rather than a bank or credit card company. I had never provided them with details on my work number which they tracked down. The latest text message i got today was ' did you get my last messgae this is a test'. The worst thing is you cannot call back the number these messages are sent from. So basically in one month I have missed one payment as outlined above and have had in the last week over 10 missed calls to my mobile, 5 text messages, 1 email and one call to work( on a number which I did not provide to them' i am just windering if anyone has information on the laws regarding this form of contact. Outside of Ireland this company are known for these kind of tactics and I have read in other forums about this company and people outside of Ireland who have similar experiences of them.