I'm based in the UK and have some familiarity with one of the legal options available- I spoke to a solicitor about an order from a shop in Belgium that was taking way over the expected waiting period. There is a European Payment Order which may be appropriate. It's cheap to initiate as I understand, but we may be missing some information required.

This is the last thing I want to do as I'd much rather see people made as whole as possible without bringing the state into this.