ANSWERS: 2
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If Tarn-X doesn't clean it up, it IS stainless steel. The silver plating probably wore off. I suppose you could re-plate it with a silver source [coin], some electricity and the proper electrolyte.
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I am browsing AB from work, and the vendor next to me just so happens to specialize in selling silver jewelry. She say that if it is "pure" silver (9.25), then you can use the silver cleaner that they sell in jewelry shops and places like Walmart. She says that if the piece has stones on it (diamonds and such), that you need to use a silver cleaning/polishing cloth instead. She also says that if your piece is sterling silver, then you can use the same methods but should show caution when attempting to clean it, as you could damage the necklace. (Which in retrospect, sounds like what has already happened in your case)
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