Worth the hassle for $450? (I've never done it, so I don't know how much (or little) of a hassle it is).
Well, perhaps more of a hassle then BBB, the FTC, the Federal Reserve etc, but also much more likely (like 99.99%) that you'll get your money back. I suppose it depends how badly you want the $450 back.
For those that don't know, you can file online (for a $14 or so fee) with turbocourt.com or ncourts.com.
PS, I also have very little experience filling with SCC, but enough experience to know it works. Long ago I had a case with AT&T. I received a call from the "Office of the President" and they settled the whole thing without me having to go to court.