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Confused - Extract of Payment


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My small claims case against BOS Visa Card had gone to court without them saying they would defend. The day after it was called in court they sent me out a payment for the charges £630, a small amount of interest (£1.04) and £39 court expenses. The letter they sent actually said they had contacted the court saying they intended to defend the case but decided to pay up anyway. The court had not heard this intention from them.

However I have since received the 'Extract of Payment' from Dunfermline Sheriff Court and they have awarded

1. the amount of the charges.

2. Interest at 8% annually.

3. £134 expenses.

What should I do now and how do I work out the 8% annually?

I phoned the sheriff court and asked how they had worked out the court expense and they said without checking it that I must have been awarded other costs! I am confused about the costs but would also appreciate advise on how to word letter to BOS.

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