We have been dispute with exottica and Amex on a cancellation of a trip which we soon initiated day after booking to go to Equador. Obviously there was uproar in the country next day where it was advised not to travel. To date exottica are adding they have refunded our money, however they cannot prove it. We have been left with a large sum of money to pay Amex who will not accept crediting unless exottica provides some form of credit note from the merchant. This has been ongoing for 10months and over 100emails/ phone calls between the two to resolve. Still have no responses.