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Hello Michael my name is ***** ***** I will help you.
What is it you want to achieve in total? How much?
You need to write and set out your losses and request a refund within 14 days or say you will go to Court within 14 days. You should make sure you send this signed delivery and keep a copy.
If they do not refund you then you can issue proceedings in the County Court. You can either do this online at: www.moneyclaim.gov.uk or by completing form N1 http://hmctsformfinder.justice.gov.uk/courtfinder/forms/n1-eng.pdf and take it to your local County Court.
The Court will then issue a claim which a copy will be sent to the Defendant who will have a limited time to defend it, if not you can enter Judgment and enforce.
If the claim is for £10,000 or less it will be a small claim so you will not need legal representation. Over this value you would need representation for trial.
Can I clarify anything for you about this today please?
No case is solid, there is always a litigation risk. But based on what you said I do think you have an arguable claim for compensation.
Does that clarify?
No - they needed to inform you beforehand. In any event you could argue that such a term was unfair as it was onerous and not reasonably brought to your attentionDoes that clarify?
Yes I think it has merit.
I understand how it is calculated.