Hi AllyBee,
I'd like to get this thread back on track a little, and just share some basics. Sometimes experts forget that new people don't know the basics.
For all those experts out there, I'm just sharing general and typical info. I know there are lots of technicalities and details that you'll want to share, but Ally needs a basic overview first. If I make any blatant errors, please forgive and correct me.
USUALLY, this is how it works:
1. Classroom or online learning - ending with a test or series of tests.
2. Confined Water classes - sometimes done in parallel with the classroom/online, but not always. Confined water is a pool, or a pool-like environment. Typically, there would be several sessions, where you would setup your gear, learn and then practice skills. Included, but not limited to mask clearing, weight, buoyancy, regulator recovery, out-of-air emergency, and other things. At the end of these classes, you should feel comfortable with all the skills.
3. Open water skills - Go in the real ocean, lake, or river with an instructor. Demonstrate the skills that you've already learned and practiced in the Confined Water portion. Then just get comfortable and explore a little.
A 'referral' is where you do #1 and #2 with one dive shop (usually local to your home), and then do #3 with another dive shop (usually somewhere on vacation). If both dive shops use the same organization (PADI, SSI, NAUI, etc) the paperwork is easiest.
Note that if you did #1 as an online class, you can use your passing results anywhere within the same organization (for #2 and #3). You passed, and the dive shop does not 'own' that. If you did #1 in a classroom, you might still be entitled to a 'certificate' good anywhere.
My advice:
1. If you took the online course, you should have a certificate. If not, login and try to print one. If you have to, call the organization (PADI, SSI, NAUI, etc) and ask for a copy. You passed the test, so you get the proof. They do expire, but not for a year-ish or so.
2. Find a local dive shop where you live, make sure they use the same organization. Tell them you want to take the confined water classes (in a pool), you will want a referral when complete, and you have proof you already passed the online class. The prices will be LESS than a whole package.
3. After you complete the pool classes, find a nice destination for a short vacation, somewhere warm. Contact a local shop (of the same organization) in advance. Compete your open water dives. Plan for an extra day or two, in case there are weather problems, or you need some extra time to demonstrate the skills.
Try to get a refund from the UK shop. You probably won't get 100%. Your tuition might have included the online course, and you did pass that, so you should pay for it. Use whatever advice and strategies others have given to bolster your argument.
My personal opinion is that a drysuit is an excessive burden on a new student. Many can handle it. Many will have no choice, due to geography. But avoid it if you can. Did you use the autobahn while learning to drive? Probably not at first, if at all.
If you plan to dive colder water on a regular basis, AFTER you get your certification, visit a local dive shop and get some additional training in a drysuit.
Best of luck and keep us informed on your progress!
OK experts, fire away, but please let's keep this focused on Ally's issue, rather than debate some fine print in some standards book.