I bet you have somehow offended the algorithm gods. There really is no way around it. It happened to me around 12 years ago. No rhyme or reason. I was in the USA at the time and did call them up. "It's a business decision." Which of course doesn't mean squat. So like you, they were dead to me. Then, a year or 2 later, presumably after a database flush, I tried again and voila! everything is both hunky and dory, peachy and keen. I've now been with them over 10 years. You'll just end up frustrating yourself if you try to understand it.