Small claims, big energy
Lesson 10 of 12 in our free Consumer Rights guide: a 5-minute money game with the key points below.
Shown for England. Some rules here are different in Scotland, Wales and Northern Ireland: the lesson shows your nation's version.
This lesson is in the full version.
Free with a code from your uni, college, council, landlord or employer (worth £600/year). Lesson 1 of Consumer Rights is free for everyone.
Got a code? Unlock this lesson
Questions you'll answer
What should Mo send before starting a small claim?
Quick facts
- Complain to the trader in writing → First. Always start here — many problems get fixed at this step.
- Chargeback, Section 75, or an ombudsman/dispute scheme → Middle. Free routes that often work, before going to court.
- Letter before action → Middle. The final warning before court.
- Start a small claim → Last resort. The last step, when everything else has failed.
- Fact: “Small claims in England and Wales can usually be started online.” — There's an official online service for money claims.
- Myth: “Winning a court claim guarantees you'll actually get the money.” — If the business has no money or ignores the judgment, you may need further enforcement steps (with extra fees).
- Fact: “Scotland's equivalent of small claims is called 'simple procedure'.” — Different name, similar idea. Northern Ireland has its own small claims process too.