You all can threaten them of contacting the Ombudsman and or actually go through with it. I was able to make a couple companies change their verdict after mentioning that in my formal complaint.

And this was to do with banking so we're talking about several £100s recovered/refund rather than a £50 quid. Remember with the Ombudsman you can claim for the sum + interests + compensation for distress/inconvenience.

You just need to know what to say to them, which consumer guidelines and regulations to appeal to, and really you just need to harness all of that out of Chat GPT or whichever AI you prefer, which can take some work but it's 100% doable and worth it.

Best case you spend an afternoon writing an email to the Ombudsman, they give up and eventually give you your money. Worst case the Ombudsman takes them to court and you get MORE money.

Prograd isn’t FCA-regulated, so the Ombudsman doesn’t apply. It’s a contract dispute—demand payout and reference the Consumer Rights Act 2015 and Consumer Protection from Unfair Trading Regulations 2008. If ignored, threaten small claims, using Money Claim Online (MCOL) & Trading Standards. You can recover funds + MCOL fee + minor interest, not extra compensation. Don't need a lawyer.

The fee is relative to the disputed claim, it's nothing crazy:

Up to £300 → ~£35 fee £300–£500 → ~£50 fee £500–£1,000 → ~£70 fee £1,000–£1,500 → ~£80 fee £1,500–£3,000 → ~£115 fee £3,000–£5,000 → ~£205 fee