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As I thought, when the individual is up against a corporation or large financial institution you are pretty well at their mercy. I recall asking the company lawyer what my chances were to pursue a large manufacturer over what I believed was a defect in one of their products. His answer was "Go ahead, you can also dance with a gorilla, the odds are about even." Actually since gorillas are reputed to be gentle creatures I think the odds favoured the gorilla.
However, I did write to the CEO and he had his assistant call me. When I explained what had happened she asked if I still had the invoice for the repairs. As it happened I did and faxed it to her. They reimbursed me the full amount without admitting any responsibility.
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