Just checking in to see how you are going with this.
We have used the 3x letter process 2x Conditional Acceptance followed by 1x Estoppel for 3x credit cards. The first (BankWest, $14,500) closed the account around 7 days after receiving the first letter, however we didn’t check the credit rating until well after sending the Estoppel.
The other 2x cards were with Westpac, who decided to play nasty and noted missed payments on the strawman credit rating. But Westpac closed the accounts after 6 months (around $4,000 together).
We are now communicating with Experian to have the credit rating corrected, but all this occurred just before the COVID-19 lockdown, so not sure anyone is there to answer. Probably they have thrown the letter in the bin 🙂