Unless you are absolutely certain you did not commit the offence and you want to stick to a "principle", opting for the course is probably a no-brainer. Going to court will be more expensive whether you win or lose (especially if you are self employed).
Opting for the course is not the same as saying "I'm guilty" any more than is returning the s172 (which you've already done).
This will be perhaps a stupid question but I'm going to ask anyway...
OP goes to departure station but ticket office closed so has to purchase(?) a permit to travel.
OP does not see a conductor on the train ,so can't buy ticket.
OP reaches destination and has to purchase peak return ticket at gate.
OP checks at main ticket office and discovers they've been overcharged at the gate. (Should have been off-peak but OP had not been asked at the gate and OP did not volunteer travel times).
OP returns to gate staff to ask for refund. OP was going to get a refund but all goes pear shaped when they consider a refund not good enough.
Now for the stupid question: if the main ticket office staff knew the OP had been overcharged, why couldn't they process a refund there and then, rather than sending the OP back to the gate? It's just that being advised to go back to the people who've already overcharged you sounds not quite right to me. Surely ticketing mechanisms are sufficiently sophisticated that you don't have to go back to the point of sale to get a refund? (I'm being unbelievably naïve, aren't I?)
CAG spell checker here I expect poked its nose it..
well without a default notice Lowell wont be going any whare near a court then...
as already explained if you read your thread from post 1 again
they don't have to default the debt upon sale or earlier but typically do
probably appear once lowells entry pops up there soon I expect.
Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!