It is fraud if you agree to pay someone for goods, so your statement is incorrect, and police can file a small claims, not sure how laws work in the UK, but fraud is fraud, if you promise to pay for something in a store and walk out with goods it's theft, same principle.
Noun
Wrongful or criminal deception intended to result in financial or personal gain.
A person or thing intended to deceive others, typically by unjustifiably claiming or being credited with accomplishments or qualities.
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