You are in a stronger legal position if you precisely follow the procedure in the law, because American Express must then respond as required by the law. Otherwise, they are basically doing you a favor. Are you still able to:
But Amex have done everything within the time frames etc...they just have not read or taken note of anything I have provided in terms of documentation. Its like they have disputed the charge with the merchant, and because the merchant has said no we are not refunding it Amex have said "ok sorry you need to pay".