Dear Jac: Time to close the file on the pre-pay Visa mystery, although I’m none the wiser.

Sometimes files live on my desk for so long that they fade round the edges, gathering a patina of age. One such file concerns Visa. Those with very long memories may recall that, last October, I recounted the story of Jayesh Patel, who runs Classic News in Northampton. He had been cold-called by two scruffy-looking blokes who tried to sew up a deal whereby Jayesh became an agent offering pre-paid Visa and MasterCards. No hassles, no credit checks and fifty quid to Jayesh for every one sold. He said no.