I suggest that you bring a BCOBS action for a very small amount of money – say, £50. This will put them in a quandary because it won't be worth their while defending and so they will start off your settlement – which you should refuse. They will threaten you with costs because they will say that you are litigating unreasonably but you will not draw their attention to the fact that the court has discretion to award or to withhold costs and costs would only normally be awarded against the winner w