Thanks all, with your wonderful advice my husband is now in the 800 club!
We started in March his was 510 mine was 550
He is now at 855 I am at 600, and after many letters (nutcase!!) all 3 of my R9 TL will drop off in 3 months!
He applyed for a Mastercard and of course was accepted with a 8K limit with me as an AU..so we are well on our way!
Thanks again it feels great!