Having Windows Office 365 on the cloud, we faced the following problems:- access to one drive business had disappeared, as admin one could not access own drive any more; one can set permissions etc but nog access files (!)- mail centre had disappeared- sites had disappearedAfter my initial review here on trustpilot Microsoft reacted well, I was called in the weekend and received 2 emails from Microsoft for help. That is a good reaction.The issue was: which we did not know: not having paid full year in advance, most important control panel options disappear. We did not know payment was up, and we had a new credit card. Windows did not notify us payment was late, we did not know, and crucial control panel options as direct access to onedrive had disappeared. We changed credit card and now all is working again.