I'm sorry Eddie, but I don't agree. It is a civil matter, not a criminal one, which is why it is not a fine. However, there is nothing to stop the company issuing a County Court claim for the money + costs. jd would then have to enter a defence, there would be a Court hearing & the judge would decide on the basis of the evidence. In essence, the claimant would have to prove to the judge's satisfaction that, on the balance of probabilities, jd did not pay. To do this, the company would have to provide to the judge some, maybe all, of the evidence jd has already asked them for.