I would just refer to 'The Regulation of Railways Act' and not any specific clause.
The Summons is very unlikely to be charging an offence against Section 5 (1), much more likely Section 5(3)(a), but just mentioning the Act is fine, leave out the clause reference.
Hi Dot,
I think Credit Expert are wriggling because they know this could end up costing them.
However, please bear with us a while we seek further input to assist you. This may take a day or two but it may be worth waiting.