Credit Card Bill Advice

loulou58

Hey everyone i was thinking this may not be to do with money saving, but it will be saving me money, so i guess it is.

I have this (now not so close) friend who recently i went to B+Q with to buy a kitchen costing £2000.00 when coming to pay for it his card got declined and when he phoned the bank a small cheque had come out of his account, and with him having only an Electron card (you can only spend what you have) it was declined. Out of me being to nice for my own good (stupid me!) and him needing the kitchen asap i put it on my card and he was giving me the money back. Well we had a little disagreement (minor) and now he is point blank refusing to give me the £2000.00. I know its on my card, therefore my debt, and i know im the one responsible to the CC company for paying it back, which of course i will do on that part. But what can i do to get this back from him if he wont pay? is there a specific channel i can go down or am i totally up s**t creek without a paddle and £2000.00 lighter? Any advice would be great, thankyou in advance.

Fait_accompli

Your friend is so out of order, it's so sad when a person gets screwed for trying to be nice. If their's no way for you both to sort this out amicabley, your next option is to take them to the county court (this is for claims under £5k). I suggest you write them a letter and send it by recorded delivery stating that if the full amount is not received within seven days you will be taking further action and that they will have to pay interest, court and any legal fees on top of the original amount. You would have a case, so don't worry about it. Good luck!

jonesMUFCforever

Go round with a few mates and a sledgehammer and wreck that kitchen!

loulou58

ejones999 wrote:

Go round with a few mates and a sledgehammer and wreck that kitchen!

haha thankyou for your reply's but sadly he's a law upholder by occupation (if ya get me ) So id get done big style for that, its not like it hasnt passed my mind!! You think you could trust someone in that occupation too. My mum wants me to write to his Chief Constable. ??

M_Thomson

loulou58 wrote:

haha thankyou for your reply's but sadly he's a law upholder by occupation (if ya get me ) So id get done big style for that, its not like it hasnt passed my mind!! You think you could trust someone in that occupation too. My mum wants me to write to his Chief Constable. ??

I am sure that even if he is a police officer, you could still take him to court.

musey

Write to him stating that unless paid within 7 (or 14 or however many you think is reasonable) days you will start county court proceedings and then do so. The costs aren't large to do this and county court is quite informal. I feel sure but would have to check when I go to work that there is some regulation that prevents police officers from having county court debts or something similar. Writing to Chief Constable won't hurt, it mightn't help but I can't see it hurting. If you are going to do that I would wait until you have a response from the first letter as he may pay up then.

I'll post tomorrow when I've checked if there is such a regulation that prevents them having county court debts or if I've imagined it.

vwman_3

M_Thomson wrote:

I am sure that even if he is a police officer, you could still take him to court.

As a retired Police Officer with over 25 years in the job, I suggest that if you want this matter resovled a bit sharpish, pop around to your local Police Station ask to speak to the duty Inspector and make a formal complaint about him.

The other option you can do is contact the Complaints and Discipline Dept of his Force and ask to speak to someone and make a complaint there.

Either option will have the desired effect.

More than likely he will be made an offer he cant refuse and your money will be returned in a day or two.

The downside will be that your 'so called mate' could/will be done under the discipline code and end up loosing his job for failing to discharge a debt (that could be a good thing anyway, he sound more bent that the villains he is supposed to be protecting us from)

If I were you I would do it today, you will loose a mate but is he worth it.........good luck

loulou58

Thankyou for all your help and advice, I have told him yesterday im phoning my solicitor on monday(im not really just yet, i think i'll follow what you guys have told me) and see if that springs any action into him.

What wvman has said is really helpful, thankyou, its just im scared to do something so drastic but then he has really screwed me over so i dunno? Im so annoyed at myself for being too nice for my own good, i think in future i'll take the !!!!! stance!

His argument is i didnt HAVE to pay for the kitchen, and he has this flat he rents out and before he bought the kitchen for his house, he asked if i wanted to be his flatmate in it and he would rent the house(with the kitchen) out and before i'd even made a decision, he told me "you don't have to have a think about it now i've written to my tennants asking them to move out" and they did, so he's had to pay the mortgage on it the last 2 months. I havent even seen him attempt to get new tennants. Well thats not my fault. Its his flat he's responsible for who's in it, paying him money, and his mortgage payments, and he (before i even answered his question) had kicked out his £££, thats not my fault, but apparently it is, so he has stated he WILL NOT be paying me back my money, even though legally MY kitchen is in HIS house???

jonesMUFCforever

Well if he is a policeman then reporting him to his Chief constable is a REAL OPTION which could result in him being sacked or demoted.
This is also a cheap option for you as you do not have to pay any solicitors cost.
I would certainly go down this road as a first option - then if nothing comes of it go and see a solicitor.

Bossyboots

My brother was having problems with a neighbour who was a police officer which culminated in the neighbour threatening to kill my brother's dogs. My friend's OH who is also a police officer gave exactly the same advice as given here about going to the local police station and making a complaint to the duty Inspector. He did so, apologies were received and the harassment stopped. The officer kept his job but was warned about his behaviour.

nrsql

How long has this been going on?
If it's a very short time I wouldn't write or complain yet. It might be a spur of the moment thing which will blow over when he comes to his senses. You don't want to scalate things if that's a possibility.

Have a talk with him when things have calmed down - I'm sure he'll see he's not being reasonable.