I'm not sure what country she is in - however most have International Procedures for cases that cause International Commerce issues. I know that the New Zealand Commerce Commission will investigate issues with a international. Example - I was being "harrassed" by a company called a4Tech - where one of their employees was not only supplying my email to others, he was also spamming me with a 1.7meg file twice a day. I contacted the Ministry of Consumer affairs who stated that they would investigate the issue if it continued. Along with the Commissioner of Privacy, and also my ISP (who were the ones who finally got the A4TECH management to do something about the situation). As you can see - just because someone is in another company, many people will do things about it - if they can see a sure cut case... Personally I would suggest that she contact VISA first - if the issue continues Bobby can tell Visa of the issue, and thus get the money reverse. If it is too late for that - VISA (if it is VISA) will investigate the issue themselves, and can act in some cases as mediator. I believe when things get ugly Stefyzz will back down (after all it is more then her image here at stake now - if the credit card companies feel she is causing problems they will blacklist her company, which means that no creditcard company will deal with her company anymore - which I have seen done before). WiNC