Hello OM
I’m very sorry you and your family are dealing with this, especially when the account contains so many years of irreplaceable photos.
Because this is a personal Microsoft account, the official recovery process is the Sign-in Helper and account recovery form. The Sign-in Helper may provide self-help options or offer the opportunity to contact an agent, depending on what it can identify for the affected account:
Recover a hacked or compromised Microsoft account
Since the recovery process is looping, you can also try reaching Microsoft Support directly:
Please note that this is a user-to-user support forum. Moderators and contributors, including external Microsoft employees, are not allowed to directly interfere with Microsoft product features or access back-end systems. Our role is limited solely to providing technical guidance on reported incidents, requests, or ideas.
- Open a website link - Contact - Microsoft Support
- In the box below "We're here to help", type Microsoft 365, click "Get Help", and then click "Contact Support" below.
- In this section, you will need to sign in to your Microsoft account.
- Select "Microsoft 365 and Office" under Products & Services, select "Technical Support" as the category, and click to confirm
- You can select " Chat with a support agent in your web browser " to access the chat window.
When you reach an agent, clearly explain that the original alias and security information were replaced, the current account using your email address is a different empty account, and the recovery process loops after the billing-verification stage. Ask the agent to document the recovery-loop problem and advise whether the Sign-in Helper can route the case to the appropriate account support channel.
However, it is important to set expectations: Microsoft Support agents are not permitted to send password-reset links or manually access and change the security details of a personal Microsoft account. Ownership must still be verified through Microsoft’s recovery system. If you are directed back to the form, complete it from a device and location previously used with the affected account and provide as much historical information as possible.
In the meantime, do not unlink OneDrive, reset the PC, reinstall Windows, remove the OneDrive folder, or delete any locally visible files. If any files show a green check mark and can still be opened, copy them immediately to a separate external drive. Files showing only a cloud icon may be placeholders and may not contain a local copy.
I sincerely hope the support route can at least help identify why the recovery process is looping and guide you to the correct next step.
Have a nice day.