Hi All I'm getting responses from original company's ie American express, santander, after sending sar to wescot & zinc ,zinc acting on behalf of American express. The replys are basically saying I want to let you know that your complaint has been investigated. The content of this email sets out the details of the complaint as I understand it, my final decision and the rationale for that decision. Based on my investigation and available evidence, I am sorry to advise that I am not upholding your complaint. Whilst I appreciate this may not be the outcome you were looking for, below you will find my explanation. Not sure what i do at this point? Sar 2? Can anyone advise please reply appropriate this group and all the input. I now know a lot more but not enough. I only get an hour or 2 to study this as I'm working full time and my free time i run a boxing club, sorry to be a pain. Mark π