Recovering Debt from your ex partner.

angeleeyes

Long story short.

I was in a 5 year relationship, partner was having debt issues, credit card company requested she pay off the card there and then.

Balance was around £3k, I did a balance transfer to my card.

She then paid me back £100 a month.

We split a year later, meaning she owed me around £2k.

When we split, we agreed who took what from the apartment and ended up rather even. We agreed that she would repay £1500 by standing order of £100 a month.

Paid around £600, then payments stopped in December.

Hasn't responded to my messages.

I have evidence on our agreement (all electronic though, (email, text)) and the original balance transfer statement, and her standing orders to date.

Do I need to suck up the debt she owes me, or can I pursue this as a civil matter?

If it's any help, I paid off the debt within a couple of months of us splitting, so I'm in no financial hardship and don't "need" the money. I'm more annoyed at the principle

Thanks

GeorgeUK

You may be able to pursue her through the small claims court.
Not sure about how much that may cost you etc but you might also want to check the legal beagles forum incase this has come up before.

DVardysShadow

If you have evidence of the loan, you can take it to the small claims court. You need to be precise about the amount - 'around £600' is too vague for a court claim. Maybe the threat of a CCJ will wake her up, but unlikely if she has them already.

angeleeyes

I now have precise amounts, but the situation evolved a little over the weekend.

I have emails which clearly state what is owed. This would need to be paid by Christmas 2010.

Her response was agreeing to this.

A few months later, I send an email stating that if the sum is to be paid off by xmas, the standing order needs to be increased threefold.

Response was along the lines of "it still stands"

Now, this weekend, I have received messages stating "I only agreed to be paying you back until December".

To date, I've received £700. She still owes me £1200.

I was told to basically "f**k off" and that I'm making stuff up, she never replied to any emails etc.

So, I'm happy to take her to court. What sort of costs can I expect to be involved, and the best way to go about it?

The issue I have is, I have no idea of her address, who she lives with, who she works for (all of these things have changed since we were together, I've been told)

Lipstick99

If you need to find out info, how about Facebook. Get a mate to check.

angeleeyes

The chances in them knowing her address are slim to none.

She's changed cities, pretty much started a new life - not over the debt obviously.

Anyway, looks like I'm going through the legal system. Thanks for advice people

wistles

You would obviously need to know her registered address.

Court fees would be less than a hundred.

angeleeyes

According to the elctoral role, she's registered in an address I know she hasn't live in for over 3 years.

she's lived in 3-4 properties since then and never updated passport, license, electoral role etc

wistles

Going to be almost impossible to go after her if you don't know the registered address.

fatbelly

You can start a court claim using her last known address. The chances of her responding are slim, so you will get a forthwith judgement.

And what are you going to do with that?

my suggestion is to give it up now, before you waste any more time and money

danielanthony

Wait for her to settle down and then go after her, debts can only be written off after 6 years of no contact so keep it on the back burner until she buys a house or whatever and updates the electoral register. You can then get your money back but right now she's a difficult target.