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    • VC88
    • By VC88 6th Sep 17, 6:51 PM
    • 24Posts
    • 7Thanks
    VC88
    Making a Small Claim to recover money owed
    • #1
    • 6th Sep 17, 6:51 PM
    Making a Small Claim to recover money owed 6th Sep 17 at 6:51 PM
    Hi

    Apologies if this is the wrong place to post.

    I loaned money to a now ex-friend in April 2015 and they promised to repay all of it, £97 per month. They paid me every month until July 2017 when they suddenly stopped. I tried all ways to make contact but they've blocked my numbers, etc. I've sent texts from a different number warning I will make a small claim against them for the outstanding £3200 if they don't continue to repay me. I've had no response so intend to make a claim.

    I want to do the claim online. Will EVERYTHING be done online, including any correspondence sent to me and any responses from the defendant, if they respond? I am in the process of buying a new home which I'll be moving into very soon, I really don't want them to know my new home address.

    Also, am I best waiting until I've moved home? I'm worried that making a claim and being involved in legal proceedings will impact my mortgage offer/credit file. Maybe I'm wrong about this but I can't help but worry about it! Also, is there any possibility of me getting a CCJ or something on my credit file even though I'm the claimant?

    Many thanks
Page 1
    • Arleen
    • By Arleen 6th Sep 17, 7:38 PM
    • 988 Posts
    • 727 Thanks
    Arleen
    • #2
    • 6th Sep 17, 7:38 PM
    • #2
    • 6th Sep 17, 7:38 PM
    Mortgage won't even know that you are suing someone, and they won't care as it doesn't affect your finances negatively. So don't worry and go ahead, fill your claim. You will have to provide an address, likely could be work address instead of your home one.

    If the ex-friend responds to the claim disagreeing that he owes the money then there will likely be a hearing, that you will have to attend in person, to argue your case. But besides that, it will be all online.

    Then, once you get a CCJ against him you will have to think whether to make their life a little more hellish by trying to collect (even if they have money and a job the chances that you will get anything back are slim) which will cost money, or just enjoy ruining their credit file for 6 years.
    • sourcrates
    • By sourcrates 6th Sep 17, 7:39 PM
    • 12,421 Posts
    • 11,822 Thanks
    sourcrates
    • #3
    • 6th Sep 17, 7:39 PM
    • #3
    • 6th Sep 17, 7:39 PM
    Hi,

    It would not impact you in any way whatsoever.

    However, look at some of the other similar threads on this forum, you will find you have zero to little chance of recovering any money.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

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