Have to agree!
If punters do nothing then the WG get's away with it and continues to do so...
A simple equation really
In an idealistic world, sure. But for the sake of £20, some of us have lives to get on with. I COULD spend hours contacting the bank going down to the police station for a report etc for a miniscule chance something will be done. Or use a little common sense and move on.
If you're happy to provide legal assistance, then by all means.
What exactly do you think the banks do? No one forced the punters the transfer the funds, they're not PayPal they don't have any legal obligation to oversee a transaction. It was my (stupid) choice to trust the WG.