In December 2013 a Cheque Exchange rep visited Raj Patel’s off licence, Minals, in south-west London’s Tooting, to persuade him to offer the Moneygram Money Transfer service. Raj said no; he already offered Western Union.

Cheque Exchange didn’t give up, though. Rep showed up in February 2014 and said what can you lose, try us too. So he agreed. “He took all my bank details,” says Raj, “and I signed 8/10 pages of contract, but I didn’t get a copy.”

Then what happened? Not a lot. Not till October when another rep came in and finally organised the installation of software. Raj had to sign for that too, but it was undated.

Up and running. Fine. Rep comes back this April and says hey, you are not doing enough transactions to make it worthwhile for us. Need at least five a week. Raj explains that he cannot tell his customers to forsake Western Union in favour of Moneygram. “It’s their choice.” And anyway, nobody had mentioned transaction levels before.

Rep suggests that he cancel. So he did. And now what? He’s had a small claims court form telling him that Cheque Exchange are suing him for £1,000 plus £70 court fee for breach of contract that was supposed to be for one year.

I rang the company and was put through to someone who insisted they weren’t refusing to comment and said it was in the hands of lawyers and someone would ring me. No one did.

Raj should robustly defend - and counter claim (1K + £70) for being miss-sold.