Unable to Purchase or Manage Payment options Via console Error 801540FA

I have had this same problem for almost 3 months - get error code 801540FA when attemting to 'manage payment options' via Xbox 360 console.

And get a message saying 'Your credit card info could not be retrieved. Pay for this item using money in your microsoft account or try again later' (with no error code) when i try to make a purchase or even a free download.

This message comes up before even allowing me to view/select my microsoft balance as payment option so unable to do it that way either.

Be onto support about 6 times, finally been escalated (and escalations team took 5 days instead of the 48 hours promised to get in touch!!!) but no solution yet!

Tried removing payment cards adding new ones, checked with banks , updated all my address details to match each other (down to each capital letter!), also been put through deleting and re downloading profile on console, clearing cache, deleting marketplace
data, downloading profile to another 360 (same problem) all by various support calls and chats! This is really Pis**ng me off! Can purchase games and add ons via Xbox.com fine but this does not work for all purchases, such as in game coins for games!!! Sort
it out microsoft!

Also if I try to purchase anything on the xbox I am unable to, I get a different error code. 80190376

If I try to go to Manage Payment Options I get Error Code: 838200DE

there are multiple ways you can pay for your subscriptions and content and they can be managed via your Microsoft account. here`s a handy link to explain it in full -> Manage
Payment Options

Hell there,

The status code 80070428 means that you missed your Auto renewal, you must have had an invalid card when the auto renewal happened.

Do you have the email of your suspended account?

If so you will have to contact support by phone, you will have to verify your the account holder of the suspended.

Click here to contact support

Click on Request a call back and they will contact you as soon as possible.

Thanks

To verify it i need to get into my hotmail, which i can't do either.