Now then all, a friend of mine has an interesting conundrum.

1) He took out an SPG card for his wife to get the 20k SPG bonus. As part of that he got a supplmentary card for himself.

2) The supplementary card got nicked in the post, and the thief had a merry old time down Oxford Street spending £15k in John Lewis.

3) This got re-imbursed by Amex, but the points had got credited and in the meantime transferred over to his wife's SPG account.

4) His wife transferred the SPG points to his account.

5) Amex then took back the points from the fraudulent transactions (fair enough). His wife now has a c.-45,000 "points to be transferred" from her Amex to SPG (which now currently has a zero balance).

Anyone with experience of this?

Cheers one and all