i got my $400 back from the bank, xbox put a block on my profile and said they will recover my gamertag password within 10days so i can log in as a new gamertag for now n play offline..
but the funny thing is today bout 1 hour after all this i get an e mail from Axe (us version of lynx) with 900 free msp that i sent off for when i bought some of there products a few weeks back!!