As for BeachBum900, you are 100% legally correct AS my "legal team" has ALREADY pointed out that BP started "preying" upon you BEFORE "supposedly" canceling AND continued AFTER "supposedly" being canceled.
The "teaser", low-APR checks that were sent to you (2) months in a row, luckily I kept, and SHOW in "black and white" that THEIR mktg. dept. sent you these "offers" both before AND after "supposed" cancellation. Seems ILLEGAL, but the COURTS can figure it out