Would my request be taken more seriously if I wrote them by mail, sending the mail certified? Do you know of a contact person and telephone number I could call? If anyone would know you would have a good strategy. Btw, I tried retention and they offered another $300 cl increase or apr of 15.9. One or the other - that's all they could do. Very discouraging since I have been with Orchard for a year and always pay my account off in full every month.