Everyone needs to report studio to the financial ombudsman. You don't need to have a final response from studio to report them. Just report they are not sorting out your complaint and sending you to studio pay then studio retail. They're trying to charge me a minimum payment for items returned but I'm having none of it, no one is taking the complaint seriously and they are just sending random emails asking for same information time and time again, or replying to contact studio pay then studio pay say contact studio retail. People think you cannot report them because you didn't get a final response but you can. If they are not responding properly to your complaint in a normal timeframe report it to consumer rights or financial ombudsman.